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7 Ways To Respond To People Who Gossip
People who gossip are like people who don't know how to care about others feelings, but the good news is that there are at least 7 ways to respond to them. According to Yale University researcher, we spend at least 60% of our adult conversations talking about people who are not with us at the time.
Spending time pointing out others' flaws when they aren't there to defend themselves is not a positive way to have a conversation. Rather than wasting time on negative talk, let's look at some ways that you can respond to people who gossip.
Gossipers are people who do not have the best interests of others at heart. They say the mean things that no one else will say. The hurt they inflict is often unknown by the object of their gossip but it hurts the rest of us who hear it.
Gossip is a negative conversation, usually with bad intentions, that is spread by others and it is a source of much hatred in our society. When we gossip about others, we belittle their worth to increase our own. Speaking at the expense of our fellow man only makes the people who gossip look smaller in our eyes.
Talking about others is not always gossip, but when the talk turns negative, look for ways to bring it back to a positive focus that is not belittling to others.
1. Talk about your openness to people from diverse backgrounds
Yale researchers believe that gossip may serve a function for us socially. We hear tales about other people and their struggles and by hearing these stories, we learn about what types of behavior are acceptable, and what types of behavior are not acceptable to those in our social groups.
When you deal with a gossiper, rather than continuing to pile on to the conversation about someone's bad points, let the gossiper know that you are very accepting of others, no matter their appearance, or whatever the gossip was commenting on. Talk about the skills and abilities of the person who is being gossiped about.
2. Boost the self-esteem of the gossip with something you like about them
People who gossip may talk badly about others because they lack self-esteem or self-worth. People who gossip say bad things about other people to make themselves feel better by comparison.
Related article: 6 Signs Your Partner Is Emotionally Draining You
Remind the person who is gossiping about something good that they did for another person. This will remind them of their kind heart and to make them feel better about themselves. The positive shift in perspective could be enough of a change in how they feel about themselves to get them to stop gossiping.
3. Talk about cultural differences
When a person gossips about someone from another culture, it may be because they do not understand their customs. Not understanding leads to curiosity, but that level of interest can just as easily be misplaced by gossip, which includes negative statements about the other person. Gossip can easily turn into racist remarks when you use negative statements about the person's heritage.
One effective way to respond to people who gossip in this way is to point out other cultural differences that you are aware of and which are positive. Remind the gossiper about the diverse world that they are a part of where we have pizza, tacos, hummus, hamburgers, and latkes all peacefully coexisting.
4. Say how it makes you feel
Even researchers disagree on definitions for gossip. Mostly they have come to the conclusion that we know it when we hear it. A Yale University review said 'when gossip occurs within conversations, it is often very subtle, sometimes too subtle for an outside observer, such as a researcher, to decode.' Much of gossip involves inside jokes or small details of expected behavior that go unnoticed by others. No wonder it is hard to study.
But we know how gossip makes us feel when we hear it. Maybe you feel a thrill at the thought of a secret being revealed to you about another person, or maybe you feel uncomfortable when the person who is gossiping tells you something negative about the other person.
5. Avoid having a conversation that includes gossip
'You know, I'd love to chat but…' might be the easiest way to respond to people who gossip. By avoiding them, you leave them without an ear to hear their negativity.
6. Confront the gossip
Another more direct way that you can respond to people who gossip is to say, 'This conversation is starting to feel like gossip to me, which makes me uncomfortable, so let's talk about something else.'
Related article: If You Have A Hard Time Standing Up For Yourself, This May Be Why
7. Turn the gossip into hope and help
A gossiper will tell you something horrible about another person and you can respond by saying 'I hope you might be willing to help them feel more included in our community. What do you think you are willing to do to help?'
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Today, Disney announced that Emmy-nominated producer and actor Jon Favreau has signed on to executive produce and write a live-action Star Wars series for Disney's new direct-to-consumer Streaming platform. Favreau is no stranger to the Star Wars galaxy having played roles in both the Star Wars: The Clone Wars animated series and in the upcoming Solo: A Star Wars Story.
For Disney, he directed and produced the massively successful The Jungle Book, which won an Academy Award for its groundbreaking visual effects. He is currently in production on Disney's highly anticipated reimagining of The Lion King, set for release in 2019.
And as with anything Star Wars related, I'm expecting we will see plenty of tie in merchandise linked to the series, in the form of toys, Collectibles, comic books, video games, books, clothing and more. Such as we've seen with other Star Wars TV shows like Clone Wars and Rebels.
Earful Tower… What's Next? Could It Be Heading To Disney Springs?


When an aluminum angle is needed to be fabricated in a lightweight and corrosion resistant fashion, the 6063 Equal Leg Angle gets the job done with great machinability and welding capability.
For applications that are looking for a fine finish that is strong yet lightweight, the 6063 equal aluminum angle can be used in a wide array of products ranging from machine parts to construction and ornamental applications.
AMD Supply offers equal leg aluminum angles for sale in South Florida that come in various sizes, thickness, lengths, and alloy type (6063-T52, 6063-T6).
PART # SIZE: A X B THICKNESS: C LENGTH WT. LIN. FT.


Source: Journal of Forestry. 110(4): 187-193.
Native Americans relied on fire to maintain a cultural landscape that sustained their lifeways for thousands of years. Within the past 100 years, however, policies of fire exclusion have disrupted ecological processes, elevating risk of wildfire, insects, and disease, affecting the health and availability of resources on which the tribes depend. On Indian Reservations, tribal forest plans include prescribed fire to restore and maintain the lands. Public land managers are now considering ways to restore the fire-based ecosystem, but tribal knowledge about the use and effects of fire has largely been left out of the discussion. For 2 days in June 2010, 7 tribal elders joined with 20 native and nonnative scientists, resource managers, and academics to explore ways to integrate Native American stewardship practices, traditional knowledge, and philosophies with western science to address contemporary forest health and wildfire challenges. The workshop, convened on the Flathead Indian Reservation of the Confederated Salish Kootenai Tribes located in western Montana, provided a forum for candid dialogue and knowledge sharing. This article, coauthored by all 27 participants, offers a summary background followed by candid highlights of dialogue along with recommendations for progress based on lessons learned. The central conclusion is that integration and application of traditional knowledge with western science for improved stewardship of natural resources will require enduring commitments to knowledge sharing that extend beyond the usual boundaries of professional training and cultural orientation such that learning can proceed, legacy myths might be corrected, and the forests and the people will benefit.
Mason, Larry; White, Germaine; Morishima, Gary; Alvarado, Ernesto; Andrew, Louise; Clark, Fred; Durglo, Mike, Sr.; Durglo, Jim; Eneas, John; Erickson, Jim; Friedlander, Margaret; Hamel, Kathy; Hardy, Colin; Harwood, Tony; Haven, Faline; Isaac, Everett; James, Laurel; Kenning, Robert; Leighton, Adrian; Pierre, Pat; Raish, Carol; Shaw, Bodie; Smallsalmon, Steven; Stearns, Vernon; Teasley, Howard; Weingart, Matt; Wilder, Spus. 2012. Listening and learning from traditional knowledge and western science: A dialogue on contemporary challenges of forest health and wildfire. Journal of Forestry. 110(4): 187-193.


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Q: Adding an external jar library to Intellij IDEA I'm having a silly problem : I'm trying to add the Jsoup library (which is just an external jar) to my android application developed in Intellij Idea and it seems and don't do it right .
I put the library in the libs folder , then I went in Project Structure -> modules and selected dependencies , select add global library , select attach source and click ok.
When I write code  it is able to automatically import classes  and to compile , but when running I get " java.lang.NoClassDefFoundError: org.jsoup.Jsoup"

A: *

*Copy the .jar file into your lib/ directory.

*Right click the new .jar in the lefthand file browser in IntelliJ / Android Studio

*Choose "Add as Library..."

*Voila!

A: -Open the External Libraries node on the Left hand panel.
-Select Open Library Settings
-Project structure dialogue opens up.
Select the Libraries.
Click the "+" to browse the file.
![add external jar1

A: In IntelliJ IDEA 15 you can also access the Project Structure menu item from "File" item in the menu bar. Select Libraries from the list on the left. Click the "+" to browse the file, select it and you're done. It will be added to the "External Libraries" directory in your project.

A: Have a look at the newer artifacts section.  Perhaps you don't add the JAR into your deployment properly.
UPDATE:
I'd like to update my answer based on lessons learned over the past six years since I first answered this question.
The best way to manage 3rd party JAR dependencies in Java projects is to learn Maven (my preference) or Gradle.  IntelliJ has terrific integration with both.
If you combine those with an enterprise repository like Nexus you'll have no problems.  Your dependencies and versions will be completely specified.  Conflicts will be identified for you.  Updates will be relatively simple.

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The maps provide an outline of its jurisdiction, which covers 35,387 sq. miles. Test your recognition skills and knowledge with our State Maps Quiz Game.
The State of Maine is located the Northeastern United States.
The outline of the state and the County Maps provide the names of all of the counties in the state. The Government of the United States is based on the concept of federalism, meaning self-governing units. Power is shared between the National Government and State Governments, such as Maine, and defined by the Constitution of the United States of America. The State Borders, or State lines of Maine, define geographic boundaries between each state.
The following facts and information provide a map of Maine with counties, together with a helpful list of Maine counties. The power of a county arises from state law and these vary according to each state. In America a county was among the first units of local government established in the 13 Colonies that would eventually become the United States of America. Find the location and names of all the Maine counties.


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You are at:Home»Perspective»Discover People: Facebook's New Feature App
Discover People: Facebook's New Feature App
By admin on	 February 15, 2017 Perspective
By Danielle Lapierre
Is Facebook becoming the new online matching medium?
Facebook has created ways for their users to stay connected with features such as Messenger.
One of the newest features they plan to have is "Discover People." This matches Facebook users with other users they might want to be friends with.
The new feature will be located under the Explore tab on both the desktop and smartphone app. Should the user decide to engage in this feature, Facebook is given permission to use many aspects of their profile.
According to Mashable.com, "Discover People" accesses 25 different categories such as sports, food, networking, animals and pets, hobby & leisure and travel.
Some students find this new feature creepy and unsettling.
"Virtual reality needs to stop growing because it is getting weird," said junior Estée Deschamps.
According to Forbes.com, Facebook has had some privacy concerns as of recently regarding issues of privacy settings that not all users understood. They later found out that much of their information has been public without their knowledge.
Facebook also had a feature called "People Nearby," which gives out exact locations of its users.
It has since eliminated this feature, but the feature "Friends Nearby" is still available.
Tinder and Bumble are apps that also use your information and location to match you with people to talk to.
Many college students decide to start using these apps because they find it easier to meet people this way as opposed to in person.
"I like the idea and feel it would be a better feature for college students and you can make friends going into your years at school," said sophomore Chrissie Wojciechowski.
One feature in "Discover People" is matching your interests to certain events around your area.
These events also include lists and profiles of the people going. A user can see who is attending and can friend request and connect with others in this event.
Many students think that the feature is a good idea if you're looking to meet people around campus.
"I would use it to meet new people at school, but I probably wouldn't use it at home or anywhere else," said Wojciechowski.
Other students feel that the feature would work best if they were looking to meet people who are outside of the campus area.
"I feel like at Sacred Heart everyone kind of knows everybody so it would be cool to see that someone likes something the way I do," said junior Gabrielle Diaz. "It is kind of creepy though."
According to TechCrunch.com, Facebook has been testing "Discover People" exclusively in Australia and New Zealand since last year.
They have plans to bring the feature to the United States sometime in 2017.
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Post-Registration Reactions
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Montezuma's have produced a really nice Chocolate bar for those wishing to avoid sugar in their diet. Unlike some bars that just have little pieces of nut, this bar has whole almonds that really give a nice crunch to the intense dark chocolate. One downside is that not every square of chocolate will have an almond in it!
A quick look at the content list for this product may surprise you. With only two ingredients it will be welcomed by vegetarians and vegans as well as those who are looking for dairy free and gluten free sweets (so is suitable for coeliacs) . With a carbohydrate content of under 8 gms per 100 gms. it is also a low carb item.


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Ed Dept gave too much relief funding to some colleges, watchdog finds
HIGHER ED DIVE
Jeremy Bauer-Wolf
The U.S. Department of Education mistakenly provided too much federal coronavirus relief money to some colleges that received funding, a government watchdog agency found.
The Government Accountability Office reviewed 4,764 colleges that received the funds and estimated more than 5% of them, or 262 schools, got more funding than they should have been allocated.
GAO officials discovered three instances among schools they reviewed in which institutions received more funding than was allocated. This excess funding totaled $20 million.
In July, the GAO evaluated the department's effort to distribute more than $76 billion in higher education relief funding Congress approved in three major aid packages. This money was earmarked for colleges to help defray pandemic-related costs and assist students the health crisis had disadvantaged.
The department's Office of Postsecondary Education is charged with dispensing the aid funding. It normally distributes about $2 billion in grants annually, according to the GAO. But as of the end of May, it had sent out about $66 billion in relief dollars, 33 times the typical amount.
The office used existing staff to fulfill these extra duties, but the volume of funding and the urgent need to get it to colleges "increased the risk of payment errors," the GAO said.


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Phipps chooses to stay on home soil
Scrum half Nick Phipps has signed a new deal with club and country. TRACEY NEARMY
RUGBY: Wallabies coach Michael Cheika has praised Nick Phipps after the Australian scrum-half signed a two-year contract extension with the Waratahs and the Wallabies.
"Nick's dedication to both New South Wales and Australian Rugby has been outstanding over the last five years," Cheika said.
"That is why we were so keen for him to stay and play his rugby in Australia.
"He played his 50th cap last year and he's just coming into his prime years as a rugby player so his best is yet to come.
"That's what this decision is about, playing the best rugby of his career in Australia and for Australia."
The 28-year-old has reportedly been the subject of significant overseas interest but chose to stay in his home state.
"New South Wales is where I was born and where I grew up," Phipps said.
"It means a lot to me, as it does to a lot of the boys in the team, to pull on the Waratahs jersey and represent our home state.
"The season ahead is really exciting. We've got a good mix of players, new energy and experienced leaders, so I'm looking forward to continue to come together as a team and see where we can go.
"I'm also really excited at the opportunity to potentially represent my country again this season.
"I really enjoyed the environment of the squad last year, especially the experience of bringing up my 50th cap on the Spring Tour.
"The Wallabies squad is continuing to grow and I want to be playing some good footy for the Tahs so that I'll have the best chance to run out in the gold jersey later this year."
australian rugby union
michael cheika
australian rugby union michael cheika nick phipps wallabies waratahs


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"The Arms Control Association's work is an important resource to legislators and policymakers when contemplating a new policy direction or decision."
– General John Shalikashvili
former Chairman of the Joint Chiefs of Staff
'Alarm bells': Saudi Arabia's nuclear ambitions cast shadow over the region
Middle East Eye
https://www.middleeasteye.net/news/alarm-bells-saudi-arabias-nuclear-ambitions-c...
Submitted by Kelsey Davenport on Sun, 2019-06-23 00:00
Read more about 'Alarm bells': Saudi Arabia's nuclear ambitions cast shadow over the region
Explainer: How Serious Is Iran's Nuclear Deal Violation?
https://www.rferl.org/a/explainer-how-serious-is-iran-s-nuclear-deal-violation-/...
Submitted by Leanne Quinn on Fri, 2019-06-21 09:39
Read more about Explainer: How Serious Is Iran's Nuclear Deal Violation?
Archbishop joins pope in calling for talks to resolve U.S.-Iran tensions
https://www.catholicnews.com/services/englishnews/2019/archbishop-joins-pope-in-...
Read more about Archbishop joins pope in calling for talks to resolve U.S.-Iran tensions
The Trump Administration's Failing Iran Policy Is Spurring Troubling Retaliatory Actions by Iran
Media Contacts: Kelsey Davenport, director for nonproliferation policy, (202) 463-8270 ext. 102; Daryl G. Kimball, executive director, (202) 463-8270 ext. 107
(Washington, DC)—Iran announced Monday that in 10 days it will exceed a limit on enriched uranium set by the 2015 multilateral nuclear agreement, formally known as the Joint Comprehensive Plan of Action (JCPOA). Iran's decision to breach caps imposed by the accord is a troubling but predictable response to the Trump administration's systematic campaign to deny Iran any benefit from the nuclear deal over the past year.
Specifically, Behrouz Kamalvandi, spokesman for the Atomic Energy Organization of Iran, announced June 17 that Iran has quadrupled its production of 3.67 percent enriched uranium and will cross the limit of 300 kilograms of uranium gas enriched to that level set by the nuclear deal in 10 days. Iran first threatened to breach this cap May 8, one year after U.S. President Donald Trump violated the JCPOA by reimposing sanctions and withdrawing from the agreement.
While any violation of the deal is concerning, breaching the limit on low-enriched uranium does not pose a near-term proliferation risk.
Currently, as a result of restrictions put in place by the deal, it would take Iran about 12 months to produce enough fissile material for one nuclear weapon. That timeline will decrease if Iran produces enriched uranium in excess of 300 kilograms, but it takes roughly 1,050 kilograms of uranium enriched to 3.67 percent in gas form to produce enough weapons-grade uranium (over 90 percent enriched uranium-235) for one bomb.
However, Kamalvandi also reiterated that if the Europeans, Russia, and China do not take additional steps to secure sanctions relief envisioned by the deal by July 7, Iran will take actions that pose a more significant and immediate proliferation risk.
Kamalvandi noted that Iran is considering two scenarios for increasing the level of uranium enrichment beyond the 3.67 percent cap set by the deal. He said Iran may pursue five percent enrichment for its operating nuclear power reactor at Bushehr or 20 percent enrichment to fuel the Tehran Research Reactor. These steps would shorten the time it takes Iran to produce enough material for a nuclear weapon.
While Iran's frustration with Trump's reckless and irresponsible pressure campaign is understandable, we strongly urge Iran to remain in compliance with the nuclear deal. It remains in Iran's interests to abide by the limits of the agreement and to fully cooperate with the International Atomic Energy Agency's more intrusive monitoring and verification.
We also urge the Trump administration to rethink its failing Iran's policy, which has put an effective nonproliferation agreement in jeopardy, increasing the risk of a new nuclear crisis and the threat of conflict in the region.
It may still be possible to save the nuclear deal, which has successfully blocked Iran's pathways to nuclear weapons. Doing so will require Tehran's continued compliance with the accord and for the remaining parties to the agreement to ratchet up efforts to facilitate legitimate trade with Iran and to pressure the United States to return to compliance with its commitments. Such developments could serve as a foundation for the United States and Iran to engage in negotiations that address other areas of tension in the region.
Iran's decision to breach caps imposed by the accord is a troubling but predictable response to the Trump administration's systematic campaign to deny Iran any benefit from the nuclear deal over the past year.
Read more about The Trump Administration's Failing Iran Policy Is Spurring Troubling Retaliatory Actions by Iran
Tensions with Iran reach new stage over uranium threat
https://thehill.com/policy/defense/448992-tensions-with-iran-reach-new-stage-ove...
Submitted by Kelsey Davenport on Mon, 2019-06-17 00:00
Read more about Tensions with Iran reach new stage over uranium threat
U.S. Accuses Iran Prematurely of Violating Nuclear Deal | P4+1 and Iran Nuclear Deal Alert, June 14, 2019
Authored by Kelsey Davenport on June 14, 2019
U.S. Accuses Iran Prematurely of Violating Nuclear Deal Tensions over the 2015 multilateral nuclear deal with Iran continue to rise after the Trump administration accused Tehran of violating one of its commitments under the agreement, but Iran's decision to install additional advanced centrifuges appears to fall into a gray area not covered by the accord, known as the Joint Comprehensive Plan of Action (JCPOA). Despite the lack of clarity, the United States urged Iran to return to compliance even though U.S. President Donald Trump violated the deal by reimposing sanctions in May 2018 and...
One year since the Singapore summit: what's changed, and what could happen next?
https://www.nknews.org/2019/06/one-year-since-the-singapore-summit-whats-changed...
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Despite Threat to Breach Limits, Iran Remains Below the Nuclear Deal's Caps
Authored by Kelsey Davenport on June 5, 2019
The International Atomic Energy Agency's (IAEA) most recent report on Iran's implementation of the 2015 multilateral nuclear deal indicates that Tehran continues to adhere to the accord's limits—a positive development after President Hassan Rouhani announced that Iran would reduce compliance with the agreement. Specifically, the Supreme National Security Council stated May 8 that Iran would no longer be bound by the stockpile limits on heavy water and low-enriched uranium (LEU) put in place by the nuclear deal, known as the Joint Comprehensive Plan of Action (JCPOA) . According to the May 31...
Iran Threatens to Breach Nuclear Deal
Iran will no longer adhere to certain limits of the 2015 agreement that restricts its nuclear activities, the government announced on May 8, threatening to breach other restrictions if the states party to the agreement do not deliver the deal's envisioned economic benefits.
The announcement came exactly one year after the United States withdrew from the nuclear deal, known as the Joint Comprehensive Plan of Action (JCPOA), and began to reimpose sanctions that were lifted as part of the agreement. Over the past year, U.S. President Donald Trump and other administration officials have escalated their use of bellicose language as they implement their strategy of "maximum pressure" on Iran.
Iranian President Hassan Rouhani described Iran's proposed steps as a reduction in compliance with the deal and emphasized that Tehran is not withdrawing from the JCPOA. He said Iran made this decision because it has received little economic benefit under the deal despite its continued compliance. Rouhani said Iran has no interest in waging war but "will not give in to bullying."
U.S. Secretary of State Mike Pompeo described the announcement as ambiguous and said the United States will "have to wait to see what Iran's actions actually are" before responding. A State Department press release on May 8 called the decision "a blatant attempt to hold the world hostage" and said Washington would build on its pressure campaign.
The remaining five parties to the deal (China, France, Germany, Russia, and the United Kingdom) urged Iran to continue complying with the agreement, while Russian Foreign Minister Sergey Lavrov blamed the "irresponsible behavior" of the United States for creating an "unacceptable situation."
EU foreign policy chief Federica Mogherini and the foreign ministers of the three European countries party to the deal rejected "any ultimatums" from Iran and said they would continue to assess Iran's compliance with the JCPOA based on whether the country is meeting its nuclear commitments. The statement did not indicate what actions the European Union and the three European states might take if Iran does breach the deal.
Iran's announcement by the Supreme National Security Council said Tehran would begin to store more heavy water and low-enriched uranium (LEU) than the nuclear deal allows. Specifically, the JCPOA permits Iran to stockpile no more than 130 metric tons of heavy water and 300 kilograms of uranium hexafluoride gas enriched to 3.67-percent uranium-235.
Any breach of the JCPOA limits would violate the deal, but the initial steps Iran announced do not pose an immediate proliferation risk. Heavy water is used to moderate certain types of reactors that can produce plutonium for nuclear weapons, and Iran is far from completing such a reactor.
If Iran exceeds the stockpile limit on LEU, it would reduce the time needed for Tehran to produce enough fissile material for one nuclear weapon, known as the breakout time, but the 3.67-percent enrichment level is significantly below the 90-percent level considered to be weapons grade. Iran's current breakout time is estimated at about 12 months. Prior to the JCPOA, it was two to three months.
Iran's May 8 statement noted that "once our demands are met, we will resume implementation" of the JCPOA.
Tehran attributed its decision to the systematic campaign by the United States to deny Iran sanctions relief provided by the deal. Most recently, the Trump administration announced on April 22 that it would no longer grant waivers permitting states to buy limited amounts of oil from Iran, cutting off Iran's largest export commodity and a key source of currency.
Following that decision, on May 3, the United States announced it would end several waivers for nuclear cooperation activities, including provisions that allowed Iran to store excess heavy water overseas and ship out enriched uranium. Waivers for several other nuclear cooperation projects were granted and will proceed for now.
Rouhani implied that the U.S. decision to target the sale or storage of enriched uranium and heavy water was forcing Iran into breaching the limits. Although the JCPOA allows for Iran to sell excess heavy water and enriched uranium, the country has other options for staying below the caps set by the JCPOA.
The additional steps that Iran threatened, which would begin 60 days after the May 8 announcement if the remaining JCPOA parties are not able to facilitate further oil sales or establish banking relations, pose a more significant proliferation risk. Those steps include restarting work on Iran's heavy-water reactor and enriching uranium to 20-percent uranium-235.
Uranium enriched to 20 percent is still far below what is considered to be weapons grade, but significantly less work would be required to enrich that material to the 90-percent level than is needed to enrich uranium from 3.67 percent to 20 percent, further shortening Iran's breakout time.
Restarting construction on the unfinished heavy-water reactor at Arak would not pose a short-term risk, as the reactor is years away from operating, but would still create concerns because the facility's original design was capable of producing enough plutonium for approximately two nuclear weapons every year.
The nuclear deal required Iran to modify the reactor to produce much less plutonium annually, to refrain from separating any plutonium from the reactor's spent fuel, and to ship out all spent fuel for 15 years. If Iran begins construction based on the modified design, it poses far less of a proliferation risk.
The remaining JCPOA parties have tried to preserve the economic benefits envisioned by the agreement, but efforts have been slow. Despite EU efforts to block the implementation of U.S. sanctions on European companies, the threat of U.S. sanctions and the risk of penalties has pushed most entities out of Iran. It is unclear if the EU, China, and Russia will be able to meet Iran's demands.
The EU and Iran have set up a dedicated financial channel to facilitate transactions that are not subject to U.S. sanctions. When Mogherini first announced that such a mechanism would be created, she said it may be used to facilitate oil sales, but now European officials have stated that it will be limited to humanitarian trade. Although the mechanism has been set up, it is not yet functioning and is unlikely to be expanded to include oil trade within Iran's 60-day timeline.
China appears to be the only state willing to risk U.S. sanctions by continuing to purchase oil from Iran. Beijing has been Iran's largest oil customer, and China received a waiver from the United States in November to continue purchases for 180 days. The waiver ended May 2 and was not renewed, but an oil tanker owned by a Chinese bank left an Iranian port with 2 million barrels of oil on May 17. It is unlikely that this single shipment will be enough for Iran to refrain from following through on its threat to breach certain JCPOA limits, but it may indicate a willingness by some states to continue purchasing oil from Tehran.
If Iran does follow through on its threat to violate the deal, it will likely further escalate tensions between the United States and Iran.
National Security Advisor John Bolton announced in a May 5 statement that the USS Abraham Lincoln aircraft carrier strike group and a bomber task force were being deployed to the U.S. Central Command region in response to a number of "troubling and escalatory indications and warnings." Bolton said the move will "send a clear and unmistakable message to the Iranian regime that any attack on United States interests or on those of our allies will be met with unrelenting force."
U.S. officials said Iranian-backed forces were behind May 12 attacks on oil tankers docked off the coast of the United Arab Emirates, but offered little public evidence to support that assessment.
U.S. allies and members of Congress briefed on the intelligence have disagreed with Bolton's characterization of it. British Army Maj. Gen. Christopher Ghika, who serves as deputy commander of coalition forces fighting the Islamic State, said on May 15 there is no increase in the threat from Iran.
Sen. Chris Murphy (D-Conn.) said on May 21 that intelligence presented does not indicate that Iran is "taking unprovoked and offensive measures" against the United States and its allies.
Trump has repeatedly said that he does not want war with Iran, but tweeted on May 19 that "if Iran wants to fight, that will be the official end of Iran."
Rouhani responded to Trump's May 20 rhetoric, saying that the "situation is not suitable for talks and our choice is resistance only," and Iranian Foreign Minister Javad Zarif said that "economic terrorism and genocidal taunts won't 'end Iran.'"
One year after the U.S. withdrawal from the 2015 Iran nuclear deal, Tehran says it will not abide by some of the agreement's limits.
Read more about Iran Threatens to Breach Nuclear Deal
Kim Missile Tests Draw Muted U.S. Reaction
U.S. President Donald Trump played down North Korea's decision to test a new short-range ballistic missile in May, and administration officials said the United States remains committed to negotiations with Pyongyang over the North's nuclear weapons program. Neither Washington nor Pyongyang, however, appears willing to show a more flexible approach to talks, making it unclear when negotiations might resume.
North Korea's May 4 flight test of the new mobile missile marked the country's first ballistic missile launch since it tested an intercontinental ballistic missile in November 2017. (See ACT, January/February 2018.) North Korean leader Kim Jong Un observed the test, and the state-run Korean Central News Agency reported his "great satisfaction" with the drill. The missile, designated the KN-23, was tested again May 9.
The solid-fueled KN-23 can travel about 400 kilometers and appears to be the same system displayed in a 2018 North Korean military parade, according to missile analysts. Although North Korea has developed and deployed ballistic missiles with similar ranges, the KN-23's features provide Pyongyang with new capabilities. The use of solid fuel makes the missile easier to transport and quicker to launch because the missile can be stored with the fuel loaded. North Korea's other short-range ballistic missiles are mostly liquid-fueled systems that typically need to be fueled at the launch site.
The missile also flies at a lower trajectory and appears to be capable of maneuvering in flight, according to analysts and U.S. officials, making it more difficult to intercept using ballistic missile defenses. Development of a missile with this trajectory and maneuvering capability may be a response to the Terminal High Altitude Area Defense (THAAD) ballistic missile defense systems that the United States deployed in South Korea in 2017.
North Korean media condemned a recent THAAD training exercise in South Korea on May 10, calling it "a military provocation" and saying that if the United States "truly wishes for peace on the peninsula," it should "stop all acts of hostility" toward North Korea.
The May missile tests violate UN Security Council resolutions that prohibit any ballistic missile development or testing by North Korea, but the launches do not violate the voluntary moratorium on long-range ballistic missile testing that Kim announced in April 2018.
The Trump administration has touted the lull in missile testing and the announced moratorium as positive outcomes of the diplomatic process, and its response to the May tests has been subdued.
Trump said on May 10 that he did not consider the missile tests a "breach of trust" between himself and Kim and said the relationship remains strong. Trump said he knows that North Korea wants to negotiate but may not be ready to resume talks right now.
U.S. Secretary of State Mike Pompeo said the missile tests did not pose a threat to the United States or its allies in the region. Pompeo said that there is still "an opportunity to get a negotiated outcome" on denuclearization, but did not provide any detail on the U.S. approach to advance diplomacy.
Kims' decision to test the new missile was likely intended to send signals to the Trump administration, as well as a North Korean audience. After returning from the Hanoi summit without sanctions relief, Kim may have felt compelled to shore up domestic support and silence critics in North Korea that were skeptical of his approach to negotiations by demonstrating his resolve and continued commitment to North Korea's security.
The decision to resume missile testing without breaching the April 2018 moratorium may also have been designed to demonstrate that Kim's ultimatum for negotiations is serious. Kim said in April that the United States must change its negotiating approach by the end of the year or face a "bleak and very dangerous" situation. Specifically, he called on the United States to pursue a new "methodology" for talks, likely a reference to North Korea's rejection of the Trump administration's preference for a comprehensive deal. (See ACT, May 2019.)
The test followed new U.S.-South Korean military drills that replaced larger, annual exercises that North Korea regularly criticized as provocative. Trump canceled those maneuvers in March, but Kim still denounced the scaled-down exercises in April and warned that North Korea was likely to respond to the exercises in kind.
Although the missile test may have been intended to signal North Korea's resolve, it does not appear to have altered Trump's approach to negotiations. It remains unclear how the administration plans to bridge the divide between the U.S. and North Korean negotiating positions.
The Trump administration continues to reiterate its preference for a comprehensive agreement that would require North Korea to agree to the end goal of the negotiations and dismantle its entire nuclear weapons infrastructure before receiving any U.S. sanctions relief.
In a May 19 Fox News interview, Trump again denounced North Korea's preference for an incremental approach to denuclearization and provided some further insight into the differences that caused the abrupt end of the Hanoi summit in February. Trump said he wanted North Korea to dismantle five nuclear sites, whereas Kim was only willing to close one or two sites, and that offer was "no good."
This detail supports commentary from U.S. and North Korean officials that Trump wanted a more comprehensive "big deal," while Kim sought a more limited agreement on the Yongbyon nuclear facility. (See ACT, April 2019.)
The U.S.-North Korean relationship was further strained by the U.S. Justice Department's May 9 announcement that the United States had seized a North Korean vessel, the Wise Honest, for its role in evading U.S. and UN sanctions. According to the May 9 press release, the vessel, which had been detained a year earlier in April 2018, had been involved in illicitly transporting coal and heavy machinery since 2016.
North Korea condemned the U.S. seizure as an "illegal and atrocious act of robbery" and said that Washington was acting in "complete denial of the basic spirit" of the Singapore summit declaration agreed by Trump and Kim at their first meeting in June 2018. (See ACT, July/August 2018.) North Korea said the United States should "return the vessel without delay" and consider "what kind of consequences will be caused by its gangster-like behavior."
The Trump administration has consistently stated that it will enforce all sanctions on North Korea during negotiations. Nothing in the Singapore summit joint statement specifically states that Washington should refrain from sanctions enforcement.
The U.S.-North Korean stalemate has also slowed the inter-Korean process, but the two Koreas have begun preparations for a fourth summit between South Korean President Moon Jae-in and Kim.
Moon also downplayed the impact of the missile launches on North Korea's negotiations with the United States and the inter-Korean process. He said it does not violate the Panmunjom agreement between North and South Korea and characterized the test as an expression of "discontent" by Pyongyang. He said North Korea is "being careful not to disrupt the atmosphere for talks."
Recent North Korean missile tests violate UN Security Council resolutions, but President Trump appears eager to maintain talks.
Read more about Kim Missile Tests Draw Muted U.S. Reaction


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Papua New Guinea Education Plan 2029
The PNG education system is going through significant changes in 10 years to 2029 as indicated in the new National Education Plan 2029 (NEP). Here are the main points:
Phase-out Grade 10 & 8 exams and introduce what is called National Education Quality Assessment Testing.
Students will continue to Grade 12 without taking exams are Grade 8 and 10, only 1 exit/exam at Grade 12.
The education department and the PNG govt want Churches and Private institutions to do more to deliver Early Childhood Education in what it called the Public-Private and Church Partnership. The department noted that Early Childhood Education is NOT its responsibility at present, however it sees Early Childhood learning as an important entry point in education.
School restructure will result in the removal of the Elementary Education Structure and replacing it with Preparatory Schools, prep. A new 1-6-6 structure will come into effect. This is the structure that many of (if not you) your parents and grandparents have been through. It is like going back to where we started! So why now? Somebody had got it completely wrong.
The Education Structure 1-6-6
Prep 1 year, one entry (1)
Primary School, Grade 1 to Grade 6 (6)
Sec/National High Schools, Grade 7 – 12 (6)
Indicatively, the 1-6-6 structural adjustment is going to be a huge task.
The education dept plans to 'park' FODE and TVET in high/secondary schools. That would mean that distance education and technical vocational education will be part of the mainstream schools. A better option for 'absorbing' the high number of students at these levels, but just 'parking' these institutions is not good enough. The High/Secondary schools are not parking areas, they are institutions in their own respects.
The CCVE curriculum is in line with the PNG's vision and mission embedded in the Constitution – Christian Country.
A better curriculum teaches the Traditional Ethics & Respect for Elders, Land and Community.
NEP2029 must be a practical document, unlike other past 'paper plans'!
Read the extract from the NEP 2029 below. PNG Insight's Tweets are aimed to add value to this discussion on education planning and development taking place in the country.
You can find the education apps and directory listings here.
The current NEP 2020-2029 supersedes the NEP 2015-2019.
The development of the NEP 2020-2029 is based on the best-practice and lessons learnt from the implementation of the NEP 2005-2014, NEP 2015-2019, research documents, reviews, Impact Projects, Programs and data from the Education Management Information System
The National Education Plan was completed in January 2020 and then went through several consultation processes before the CoVID 19 lockdown. The plan was finally approved in principle by NEC in its 19th meeting in 2020 and through the NEC decision 347/2020.
Every province will play a critical role in the implementation of the NEP using the same framework. Provinces will develop their 3 Year Provincial Education
1/5: PNG education system is going through significant changes in 10 yrs to 2029 as indicated in the new NEP.
•Phase out Gr 10 & 8 exams and introducing what is called National Education Quality Assessment Testing.⁉😕
• Stds continue to Gr 12, only 1 exit/exam.#EducationTalk
— P.N.G. Insight (@PNG_Insight) November 6, 2021
Implementation Plans using the Nine (9) Focus Areas in the NEP 2029
The nine focus areas in the NEP for the next 9 years are:
1. Early Childhood Education
That all Papua New Guinean children are provided with an opportunity to enrol in an Early Childhood Education program to ensure their full school readiness for entry into the formal education system.
2. Access
That all Papua New Guineans have access to 13 years of education and training in a safe and hygienic environment that is conducive to learning.
3. Equity
That all Papua New Guineans will have equal opportunity regardless of geographic location, economic circumstances, gender and disability.
4. Teachers and teaching
That there will be sufficient well-trained and qualified teachers to meet student demand with resources and support at schools to allow for quality teaching and learning taking place.
5. Quality Learning
That an appropriate curriculum and assessment system is in place to allow learners, supported by relevant and sufficient learning materials, to acquire globally comparable skills and knowledge, certificated when appropriate, required for each to lead a productive and healthy life and contribute meaningfully to national development.
6. Education pathways
That there are easy-to-access pathways available outside of the traditional post-primary education sector that will allow learners to choose an equivalent, alternative way which to attain the knowledge and skills that they need to lead a happy and fulfilling life.
7. Local management and partnership
That strong local education leadership at the district, community and school level has ensured well-managed schools, monitored on a regular basis, that are supported by and are fully accountable to the communities that they serve.
8. Management and administration
That national, provincial and district systems will operate efficiently, utilising appropriate information technology, that will allow schools and teachers to focus on improved student learning outcomes.
9. Citizenship and values
That when children exit from the education system they have a sense of who they are and where they come from in respect of Christian principles, their customs, cultures and beliefs, and show tolerance to and an acceptance of PNG ways.
Major Strategic Features of the NEP 2020-2029
13 Years of Quality Universal Education: Under this plan, through the school restructure reform, the Department of Education is now taking a bold step to declare 13 years of Universal Education. Children will start at the age of 6 in a preparatory grade and receive a relevant 13 years until they reach grade 12. The move is an exciting and highly significant step forward for PNG as it will see PNG lead in commitments to new global targets.
One Entry One Exit: Children to complete school at Grade 12 and Grade 12 certificate to be the recognized certificate.
Restructure of the School Systems: The plan carefully lays out the 1-6-6 school structure which will see elementary education phased out and replaced as Pre School.
Key features include the following:
Offer 13 years of universal education,
One entry at prep and one exit at grade 12.
Early childhood will become part of the formal system in 2023 preparing a child for formal schooling at prep grade.
Primary education will start at grade 1 and finish at grade 6.
High School will start at grade 7 and finish at grade 12.
National High Schools to become schools of excellence.
As the restructure takes effect there will be a need to build new or expand existing infrastructure to cater for additional enrolment. The infrastructure development will happen gradually over the plan period.
Early Childhood Education is not at present the responsibility of the DoE but, there is an increasing acknowledgement of its importance and the global call to promote early childhood learning has challenged the department to develop an ECE Policy and to include ECE in this plan. In this plan period, a PNG model for ECE to capture especially the 4 and 5 year olds will take a Public-Private and Church Partnership approach until such time the government takes on board all aspects of all ECE teaching and learning.
Districts and Churches to partner in delivering Early Childhood Education
Qualified and competent teacher: To cater for 13 years of universal education, teachers in all sectors must receive high-quality pre-service programs and further undergo professional development programs through regular in-service. Along with improved teacher quality, factors such as the provision of suitable housing and better administration of teacher conditions and welfare are critical.
Infrastructure: An important aspect of quality is adequate school infrastructure. There are many schools in the country that do not have this and the Plan required a significant commitment from all parties, including different levels of Government, schools themselves and local communities, to improve this situation. More than just classrooms, the Plan also required specialist buildings to reflect the importance being afforded the STEM disciplines. It is impossible to know just how much has been done because records are not kept. A start has been made on encouraging sound Water, Sanitation Hygiene (WaSH) practices.
Standards-Based Curriculum: Outcome-based Education has been phased out and replaced with Standards-Based Education. The standards-based curriculum will be used in all schools. An attempt to harness the power of the digital age in this plan will see the production of the curriculum in electronic forms for e-learning.
Citizenship and Christian Values Education (CCVE): Implementing CCVE curriculum will pave the way forward for children to be taught life-changing and guiding Christian principles values and ethics
Education Pathways: To achieve Universal Education, students need to be able to choose the most suitable pathways to their needs. This plan looks at developing and promoting an understanding among parents and students for TVET education pathways, purpose and routes to employment. Strengthening the FODE system and linking FODE and TVET will provide a viable option for students' movements between the education pathways.
Flexible, Open & Distance Education and Technical, Vocational Education Training: FODE and TVET to be parked in a High School or Secondary School in 2021 and onwards. Provincial Governments and Districts to ensure at least one local level Government has a high school.
General Features Education in Papua New Guinea 2029
Despite the progress that has been made in providing education to an increasing number of children and young people, not all Papua New Guineans have been able to benefit fully from these advances. It has long been acknowledged that girls and women have been at a disadvantage.
This NEP has put in place strategies to try and ensure that girls are given equal opportunities to participate in education and to contribute equally to national development. Equity also takes into account the plight of three other groups of people who have been let down by the formal education system.
First are those who have special needs and who are not able to take their place in the regular school system. An inclusive education plan has been developed and endorsed with this group in mind.
Second are the children and young people who have been left behind, either because they have never been to school, or have dropped out for whatever reason prior to completing basic education.
Third are the children from the most rural and remote parts of the country where the schools face their own particular problems.
Examination and Assessment
The current grade 8 and 10 examinations will be used for measuring standards and not for selection while the National Examination at Grade 12 will be for selection into tertiary institutions for all students (in mainstream schools, permitted schools, FODE and TVET institutions). This will be achieved over time.
It will be mandatory for students to sit for the National Education Quality Standards Assessment Test to monitor curriculum and teacher standards.
English will be the language of instruction for all schools in the national education system.
Minimum Operating Standards.
There will be standards set on school sizes, class sizes, and teacher to student ratio for each level of education. These standards will determine the establishment of the new school, approval of additional classes and creation of teaching positions.
Leadership and Partnership
Emphasis is also on School Leadership so that there are good school planning and management. Community and Parental Support is also an essential part of this plan.
The government will continue to support schools through subsidies and grants. All schools to develop School Learning Improvement Plan (SLIP).
PNG Insight has been following the major developments in education in Papua New Guinea for over 10 years. You can find my work here: Education Policies
Grade 12 Exam Results and Selections Online
Thinking strategies Help Students Solve Problems
Right to Education for All – Act and SWF
Tags: Churches in PNG, Education and Development, Education Discussion, SDG goals


It was a house in need of a little pizzazz.
Home to the elderly mother of real estate agent Rosita Fon Lee, the five-level back split near Pharmacy and Steeles Aves. in Scarborough had to be sold, but was in serious need of sparkle.
With her mom moving into a seniors' community a few kilometres away, Lee decided to call in home-stager Ella Zetser, owner of The Last Detail. Zetser turns weary houses into real estate showpieces that translate into higher sale prices for the owner.


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by Jim the Realtor | Oct 31, 2012 | Local Flavor | 0 comments
A video of one of those nuts who goes crazy with holiday spirit – Happy Halloween!
Carmel Valley Biotech
by Jim the Realtor | Oct 31, 2012 | Carmel Valley, Local Flavor | 0 comments
From the UT: To life science professionals, Torrey Pines and Sorrento Valley, the ZIP codes 92037 and 92121 signify the old core of San Diego's biotechnology industry, right next to the academic institutions that spawned it in the late 1970s.
To the north, 92130 represents biotech's emerging hub of Carmel Valley. It shows life science with a different face, not only geographically but in terms of business style. There's less proximity to academia but greater closeness to the professional service firms biotech and related life sciences companies need, including law and venture capital firms located along High Bluff Drive and El Camino Real.
So while Carmel Valley doesn't offer the Torrey Pines Mesa experience of a chance meeting with an academic researcher whose lab is across the street, it's quite efficient at bringing together all the pieces a biotech company needs to grow. And as biotech (and other technology sectors) kept expanding in San Diego, its growth became inevitable.
It began with the high-profile move of Neurocrine Biosciences, said Joe Panetta, chief executive of the San Diego-based Biocom. a life science trade group. Neurocrine moved its 400 employees from Sorrento Valley to its new 200,000 square-foot building in 2004.
"For a long time, we've talked about Carmel Valley as being geographically the next step north for the industry," Panetta said.
Biotech employees also find the area to be a great place to live, said Panetta, a Carmel Valley resident.
"Many of these people have children, and the school systems between Del Mar and San Dieguito, Torrey Pines, are excellent, and that's always been important to people in the biotech industry," Panetta said. "They want to be located in a place where (a) they can live close to work, and (b) they have access to the best schools."
Biocom says about 60 of its members sport 92130 addresses. A few of these companies have market values above $1 billion, namely Volcano Corp. ($1.5 billion), which moved here from Rancho Cordova in 2008; and CareFusion Corp., ($5.9 billion), spun off from Cardinal Health in 2009.
The ZIP code has about 4.4 million square feet of office space with a vacancy rate of 15.1 percent and an average lease rate of $3.55 a square foot, according to a second quarter report from Cushman & Wakefield.
http://www.utsandiego.com/news/2012/oct/30/biotech-thrives-92130/
Multigenerational Local Impact
by Jim the Realtor | Oct 31, 2012 | Market Conditions, North County Coastal, Thinking of Buying?, Why You Should Hire Jim as your Buyer's Agent | 0 comments
The report this week about the increase in multigenerational households having a negative impact on housing was fascinating, but irrelevant to our local demand for homes. Likewise, the talk about student debt, and the difficulty of finding jobs doesn't impact the NSDCC market either, because very few freshly-minted college graduates are buying $800,000 homes. Thankfully they can move in with their parents!
Theoretically, these obstacles might affect buyers in the starter-home areas, but the demand there is so red hot now that we don't need more buyers – we have plenty who are trying to buy, but are struggling to compete. For example, Skylar is finally in escrow, after offering on 15 properties since June – that's a lot of losing!
Mortgage rates are the only thing that matters, and as long as they stay in the 3s and 4s, it looks like the demand will stay strong. Take for instance, the preliminary October detached-home-sales count for NSDCC, already up 36% year-over-year, and the month isn't over – there will be another 5-10% added to this number:
NSDCC October # of Sales Avg. $/sf
2010 188 $364/sf
Overall, we've had 19% more NSDCC detached-home sales in 2012, compared to last year:
NSDCC Jan-Oct # of Sales Avg. $/sf
2010 2,072 $378/sf
Considering how strong it has been all year, this is a market for the affluent – those with big down payments, and/or those willing and able to carry big monthly payments.
If anything, the multigenerational groups are probably pooling resources so they can buy together in areas like ours – so the increase in multigenerational households would be adding to the demand.
It's good that college kids can go home again!
http://globaleconomicanalysis.blogspot.com/2012/10/multigenerational-households-on-rise.html
Beachy Duplex
by Jim the Realtor | Oct 31, 2012 | Bubbleinfo TV, Leucadia | 0 comments
A renovated house with an extra granny flat near the beach is a rare find:
Here are the MLS remarks:
Completely remodeled quaint beach house West of the 5 Freeway in North Leucadia, just a short walk to Ponto Beach. The home boasts 2,111 sf with 3 bedrooms, 2 bathrooms, and a mother-in-law unit with separate entrance with an additional bathroom. The house sits on an oversized .25 acre lot on a very quiet street. Both the interior and exterior have just finished being completely remodeled; new kitchen and bathrooms with granite counters, new flooring and carpet throughout.
http://www.sdlookup.com/MLS-120054330-162_Andrew_Ave_Encinitas_CA_92024
D-I-L
by Jim the Realtor | Oct 30, 2012 | Bubbleinfo TV, REOs for sale | 0 comments
Luther Burbank Savings took ownership of this house via a deed-in-lieu-of-foreclosure – without ever filing a notice of default. The previous owner (who paid $568,000 in 2003) never tried to sell either, but had two loans, the LBS first mortgage of $594,500 plus a second loan for $121,000:
Here is Bank of America's policy on deed-in-lieu-of-foreclosure:
You may be eligible for a deed in lieu of foreclosure if one or more of the following apply:
You are going through a hardship (for example, a job loss, divorce or a medical emergency).
You are unable to afford your current mortgage payment.
You are unable to modify your current mortgage to make it affordable
You tried to sell your property at fair market value with a licensed real estate agent for at least 90–120 days and were unsuccessful
Depending upon your loan type, when you complete a deed in lieu of foreclosure, up to $3,000 may be available for your relocation expenses. You may also be eligible for up to $8,500 to help settle obligations such as your home equity loan or line of credit. A deed in lieu effectively ends your home loan, and in some cases means you are not required to pay any remaining amount owed on your loan (also known as the deficiency).
by Jim the Realtor | Oct 30, 2012 | Foreclosures/REOs, This Is America | 0 comments
R.C. and Stacy Davis lost their condominium to foreclosure in 2009, a bad break that seemed destined to keep them from buying another home for many years.
Yet on Wednesday — only three years after their foreclosure — the couple signed the papers to buy a four-bedroom house in Livermore. Their avenue to homeownership? A loan backed by FHA.
"We're as happy as can be," Stacy Davis said.
The ability to get an FHA loan so quickly after a foreclosure could be welcome news to thousands of people who lost their homes during the housing bust. In the coming 12 months, about 22,000 Bay Area foreclosures will hit the three-year mark.
While mortgage giants Fannie Mae and Freddie Mac make people wait seven years after a foreclosure, the FHA will approve loans after three years, providing the buyer has established good credit and the ability to pay the mortgage.
"There's definitely a movement of folks who have had a foreclosure to re-emerge and re-engage in the market," said Dustin Hobbs of the California Mortgage Bankers Association. He said brokers around the state have picked up on the trend.
"It helps the housing market," said Guy Schwartz of CMG Financial in San Ramon, which handled the Davis' mortgage.
The FHA, which is self-supporting, provides mortgage insurance for loans with low down payments and more flexible household income requirements. The Davis loan came with a 3.5 percent down payment plus required monthly mortgage insurance and a 3.75 percent interest rate on a 30-year loan.
"An FHA loan is a good option for those who can qualify," said Paul Leonard, California director of the Center for Responsible Lending. And there couldn't be a better time to try, he said.
The Davis' journey from foreclosure to new home began in 2005 when they bought a condo in Concord for $262,000 at the peak of the market.
The couple's interest-only, 100 percent-financed loan was a classic bubble product that became a formula for foreclosure during the housing crash.
To make things worse, the condo was in a rough neighborhood, said Stacy Davis, who is a special-education teacher at Mission San Jose High School in Fremont. Her husband is a senior producer for the Golden State Warriors.
They tried to sell the condo after their daughter was born, but no one wanted to buy it, Stacy Davis said. "We decided we're going to try to stick this out. We owned it and we would make it work."
So they remodeled, put in a new kitchen and molding.
Meanwhile, the neighborhood deteriorated. Shopping carts piled up on the sidewalk, she said. Graffiti blossomed on walls.
After their son was born, they tried a short sale and found a buyer. "Within a week, an upstairs bathroom pipe busted open and flooded the whole place — the new kitchen, the molding, all destroyed. So the buyer backed out," she said.
Their condo in ruins, they moved to a rented house in Dublin and the bank foreclosed. Their credit rating dropped to about 500, but they were able to build it back to about 700. "Within a year we were getting credit card applications. We didn't feel like it affected our lives at all," she said.
The purchase of the house in Livermore completed, the Davis family will begin moving in early next month.
http://www.mercurynews.com/business/ci_21865116/foreclosure-victims-buying-homes-again
San Diego Case-Shiller, Aug 2012
by Jim the Realtor | Oct 30, 2012 | Same-House Sales | 0 comments
The August seasonally-adjusted San Diego Case-Shiller Index rose 1.9% year-over-year, and +0.6% month-over-month – which is the biggest M-O-M increase of the year, and continues the winning streak of 2012. The SD seasonally-adjusted Case-Shiller Index has risen seven months in a row, and a cumulative +3.1% year-to-date:
From cnbc.com:
U.S. single-family home prices rose in August, the latest sign that the housing market is on the mend, a closely watched survey showed on Tuesday.
The S&P/Case Shiller composite index of 20 metropolitan areas gained 0.5 percent on a seasonally adjusted basis, in line with economists' forecasts.
It was the seventh straight month of increases, extending the longest continuous string of gains since prices were boosted by the homebuyer tax credit in 2009 and 2010.
The sustained good news in home prices "makes us optimistic for continued recovery in the housing market," David Blitzer, chairman of the index committee at S&P Dow Jones Indices, said in a statement. "Even as we end the seasonally strong home buying period, the statistics are positive," said Blitzer.
On a non-seasonally adjusted basis, prices fared better, gaining 0.9 percent. Prices in the 20 cities climbed 2 percent year-over-year, topping expectations for a 1.9 percent increase.
http://www.calculatedriskblog.com/2012/10/case-shiller-house-prices-increased-20.html
by Jim the Realtor | Oct 29, 2012 | Bubbleinfo TV | 0 comments
It's not a surprise to hear that realtors are prone to copy one another when writing MLS remarks. There is one particular word; 'boasts', being used around the county, in a variety of situations:
More On Pricing Stats
by Jim the Realtor | Oct 29, 2012 | North County Coastal, Sales and Price Check | 0 comments
The latest Case-Shiller Index comes out tomorrow, and Zillow is predicting a 1.7% year-over-year increase in the 20-city composite number. Trying to bring more localized color to the pricing picture isn't easy because there are differences in every segment.
These are the general statistics for detached sales in La Jolla, Del Mar, Solana Beach, Carmel Valley, and RSF that closed during the June 1st-to-September 30th time period. I was hoping that we'd see statistical evidence of rising prices – either fewer sales on the lower-end, indicating that the 'market' had been moving up, and/or that the average square footage was declining. But neither has been happening much:
$0 – $800,000 Price Range
Year # of Sales Avg SF Avg. $/sf DOM
2010 73 1,886sf $397/sf 58
$800,0001 – $1,000,000 Price Range
2012 117 2,414sf $394/sf 70
$1,000,001 – $1,200,000 Price Range
$1,200,001+ Price Range
2010 180 4,272sf $551/sf 100
All Det. Properties Closed Jun 1-Sept 30
The reason it feels so hot? There are a lot more sales – 34% more than last year, which is quite a pop in such a short time frame. But other than that, you can't really say that there has been any significant increases that would indicate much-higher pricing, at least statistically. (the identical 2,908sf in the $1.0-$1.2 range is a fluke!)
http://www.calculatedriskblog.com/2012/10/zillow-forecasts-case-shiller-house.html
1963 Brick
by Jim the Realtor | Oct 28, 2012 | Bubbleinfo TV, Del Mar, Rancho Santa Fe | 0 comments
The listing agent said that the list price was an arbitrary number, and just a place to start.
Well then, wouldn't an open-auction format be in order to determine the winner? It is the best format to ensure top dollar.


agency or company in Vietnam to ask for sponsored and arrange approval letter from Vietnam Immigration Department.
Getting visa for Vietnam now is quite easy for New Zealand or Kiwis citizens. You can contact in person at the location of Vietnam embassy in Wellington 6011, New Zealand to apply for Vietnam visa. Or you can apply for Vietnam visa on arrival at international airports of Vietnam if you entering Vietnam via the airport and don't have time to queue at Vietnam embassy's location.
New Zealand or Kiwis citizens have required a visa for entering to visit Vietnam. Vietnam now becomes one of the most favorite destinations for tourists and investors from New Zealand. Don't forget to apply for Vietnam visa if you plan to visit Vietnam for tourist and business purpose.


Bixby Creek Bridge and a bit of the Big Sur coastline – also found a mysterious, little passageway in Carmel. Taken with the Rollei.
I feel like I've taken my beautiful home state for granted all these years. When I think of the nooks, crannies, wide-open spaces, hard-to-get-to places, and heart-swelling graces of Colorado I've experienced this year, I'm nothing less than completely overwhelmed by it all. If there's a more beautiful state, I've yet to see it.


text:
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Three-Day Mid-Summer Thunderstorm Siege in the Midwest, South Comes to an End (Recap)
By Jonathan Erdman
Two destructive tornadoes tore through parts of central Iowa Thursday.
Damaging thunderstorm winds also tore through parts of Kansas and Missouri Thursday.
Strong thunderstorms produced damaging winds again across the Ohio Valley Friday.
Severe thunderstorms with tornadoes, large hail and destructive wind gusts that stretched from Iowa and Indiana to Florida put down hundreds of damage reports across three days.
Here are some of those reports:
(NEWS: Latest on Iowa Tornadoes | Duck Boat Tragedy in Missouri)
Saturday, Jul. 21
Storms in eastern Alabama produced baseball size hail. Several storms produced very large hail in Alabama and into western Georgia.
Storms also produced a tornado near Opelika, Alabama early Saturday evening. An apartment complex and several other structures were damaged.
This morning's line of storms had a history of downing trees in Kentucky and east Tennessee and north Georgia. Multiple trees were reported downed in Cherokee, Forsyth and Gilmer Counties, Georgia, and two power poles were snapped in Floyd County early Saturday morning.
A second cluster of t-storms died out by late morning Saturday after racing from Arkansas into Mississippi.
Wind damage was reported in parts of the Little Rock, Arkansas, metro area early Saturday, including some large trees downed in Shady Grove and Iron Springs.
There were over 280 reports of severe weather across the U.S. from Friday into early Saturday morning, the majority of which were in swaths from Indiana to north Georgia, as well as from the Ozarks southeast through Arkansas into Mississippi.
Severe storms began their pummeling along the Ohio River between Louisville and Cincinnati, Friday.
A multi-vortex tornado near New Middletown, rated EF1, was reported by Harrison Count dispatch in Indiana. The tornado caused significant roof damage to several homes and serious damage to numerous barns. Pieces of wood were impaled into the ground by the strong winds, which reached up to 105 mph.
A barn was destroyed by a tornado near Moonville, Indiana, in Madison County from an EF1 tornado.
Another EF1 tornado was confirmed Hart County, Kentucky by the National Weather Service on Saturday.
Hail as large as two inches in diameter fell on the southern side of Louisville and four-inch diameter hail pelted Tompkinsville, Kentucky. This size hail is rare for the Bluegrass State, only the 14th time it's been documented in Kentucky since 1950, according to NOAA's storm events database.
Baseball-size hail broke vehicle windshields and damaged at least one roof in Washington County, Arkansas.
Injuries were reported when a tree fell on vehicles near Michigan City, Indiana, and Norwood, Ohio.
Numerous trees and power lines were downed, knocking out power to the entire city of Clarendon, Arkansas, Friday night, located roughly halfway between Little Rock and Memphis.
At least five tornadoes were spawned in Iowa, according to the National Weather Service in Des Moines, with survey work still continuing into the weekend.
An NWS damage survey found up to EF3 damage in Marshalltown, Iowa, about 45 miles northeast of Des Moines.
The tornado ripped off the iconic cupola of the Marshall County Courthouse, damaging other buildings, and downing trees and powerlines.
The Marshall County, Iowa, tornado had a fascinating evolution.
The first report of a tornado in northwest Marshall County appeared to have occurred just minutes after a merger of two thunderstorms. After this merger, the tornado appeared to intensify rapidly as it moved into Marshalltown.
EF3 damage was also found in Pella, Iowa, about 35 miles east-southeast of Des Moines, heavily damaging the Vermeer Plant in town, injuring six.
Earlier in the afternoon, an EF2 tornado touched down in Bondurant, Iowa, a northeast Des Moines suburb. As NWS-Des Moines noted, most damage in Bondurant was EF0 or EF1, but one home sustained EF2 damage.
There were twin tornadoes at one time, captured by an Iowa Department of Transportation cam in Altoona, just south of Bondurant.
This storm continued more than 150 miles to the southeast as a damaging thunderstorm. Gas pumps at the fairgrounds near the Keosauqua Airport in extreme southeastern Iowa were blown over and a building was damaged at a county facility near the fairgrounds.
Before July 19, it had been over three years since the last EF3 or stronger tornado in Iowa - June 22, 2015. The last such intensity tornado to occur in July in the Hawkeye State was on July 27, 1995, according to NOAA's Storm Events database.
July is, on average, the fourth most active month for tornadoes in Iowa, according to the NWS-Des Moines. From 1980-2016, just under 13 percent of all Iowa tornadoes happened in July.
Strong straight-line winds from a line of severe thunderstorms lead to a deadly capsizing of a tourist boat on Table Rock Lake, near Branson, Missouri.
(MORE: How the Missouri Duck Boat Tragedy Unfolded)
These were among the roughly 215 reports of severe weather across the U.S. on July 19.
Preliminary reports of tornadoes (red), high thunderstorm winds or thunderstorm wind damage (blue) and large hail (green) from July 19, 2018. Note the number of tornado reports does not necessarily correlate to the number of actual tornadoes, later determined by NWS damage surveys.
(NOAA/NWS/SPC)
Wind gusts as strong as 80 mph swept through Manhattan and Topeka, Kansas, Thursday afternoon and even brought dust to parts of eastern Kansas.
Wind gusts up to 78 mph blasted Whiteman Air Force Base, about 60 miles southeast of Kansas City, late Thursday morning. At least one tree was downed and a flag pole was bent near the central Missouri air base.
MORE FROM WEATHER.COM: Iowa Tornado Damage
Vehicles are covered in rubble from a tornado damaged building, Friday, July 20, 2018, in Marshalltown, Iowa. Several buildings were damaged Thursday evening by a tornado in the main business district in town including the historic courthouse. (AP Photo/Charlie Neibergall)
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Episode: Hey Joe: 11/11/15
Podcast: The Tony Kornheiser Show
Hey Joe: 11/11/15
Tony Kornheiser is joined by Gary Braun and Jeanne McManus to discuss the Wizards' loss to the Thunder in Kevin Durant's return to D.C.. Plus, Howard Fineman talks GOP debate.
— The Tony Kornheiser Show
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Tony Kornheiser is joined by Gary Braun and Chris Cillizza to discuss Stephen Strasburg and the latest from the Wizards. Plus, Paul Finebaum talks CFB and Ron Jaworski breaks down Week 10 in the NFL.
The Tony Kornheiser Show > Winter's Coming: 11/10/15
Tony Kornheiser is joined by Gary Braun and Liz Clarke to discuss the evolving situation at the University of Missouri and the latest news with the Redskins. Plus, they talk Patriots with Bob Ryan.
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Tony Kornheiser discusses the Bills' win over the Jets, chats with Ann Hornaday and James Carville, gets Courtney the Goddess' Lock of the Week and much more.


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Home » WGAE names 20 hopefuls
WGAE names 20 hopefuls
McNary, Dave
Daily Variety;6/29/2006, Vol. 291 Issue 63, p5
The article reports that 20 nominees have been announced for election to 10 open seats in the council of The Writers Guild of America East. A list of the nominees for six open freelance seats and four open staff seats is provided. Incumbents include Walter Bernstein and Michael Winship. The article mentions that members can vote either by mail or in person at the annual membership meeting to be held on September 1.
Albers: No 2nd term at WGAE. DiOrio, Carl // Hollywood Reporter -- International Edition;6/12/2007, Vol. 399 Issue 49, p1
The article reports that Writers Guild of America East (WGAE) President Chris Albers has announced his intention of not seeking re-election in June 2007, which is one month before the start of contract negotiations for movie and primetime writers. Television newswriters and producers Michael...
11 vie for WGAE council seats. McNary, Dave // Daily Variety;8/17/2004, Vol. 284 Issue 31, p3
Reports on the nominees announced by the Writers Guild of America East for six open freelance seats on the ruling council and six nominees for its four open staff seats for two-year terms in Los Angeles, California.
Solo flight for WGAE. McNary, Dave // Daily Variety;6/9/2009, Vol. 303 Issue 45, p5
The article reports on the plans of television writer-producer Michael Winship to run for a second two-year term as president of the Writers Guild of America East (WGAE) who was unopposed in the U.S. Winship, who is a senior writer at "Bill Moyers Journal" defeated Tom Phillips and became part...
Contract fight looming as Guild calls for order. Mcnary, Dave // Daily Variety;2/18/2004, Vol. 282 Issue 38, pA1
Reports on issues facing the Writers Guild of America (WGA) as of February 2004. Resignation of Victoria Riskin as WGA West president; Federal investigation launched to determine how the WGA conducted the Riskin election; Screen writing credit determination process of the WGA.
WGA Strike Over, Writers Return to Work. // International Musician;Mar2008, Vol. 106 Issue 3, p3
The article focuses on an agreement between the Writers Guild of America (WGA) and the Alliance of Motion Picture and Television Producers (AMPTP), which led to the resolution of a strike initiated by the former on February 12, 2008. The members of the WGA cited that the agreement addresses...
SHRINKING PAYDAYS. McNary, Dave // Daily Variety;6/25/2003, Vol. 279 Issue 56, p1
Reports on the decline of salaries of movie screenwriters and television scribes in the United States. Decision of Writers Guild of America not to issue an annual earnings report; Closed-mouth policy of screenwriters.
AUSTRALIAN WRITERS GUILD. Katsambis, Miriam // Inside Film;Feb/Mar2015, Issue 163, p6
The article informs about the role of writers in the production of television and film series and the need to have one vision ideology to deliver the stories the audiences demand and deserve.
Union says Black writers paid less than whites in TV and Tinseltown. Allen, Zita // New York Amsterdam News;10/20/2005, Vol. 96 Issue 43, p6
This article reports that the "2005 Hollywood Writers Report" says that of the 1,770 film writers working in the film industry in the U.S. last year, only 106 were non-white and of 3,015 TV writers only 287 were not white. Women fared better with 318 getting jobs in films and 822 in television....
MASTER CLASSES. // Entertainment Weekly;Fall2000 Showbiz Special, Issue 565, p104
Lists several internship programs for television and motion picture writers in the United States.


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Sportsbook > NCAAB > Florida Atlantic University Owls vs University of Miami Hurricanes 11/08/2019 Picks, Preview and Game Analysis
Florida Atlantic University Owls vs University of Miami Hurricanes 11/08/2019 Picks, Preview and Game Analysis
Posted by: Hilbert Mayer Posted on: Thu, November 07th, 2019 4:00 AM
Florida Atlantic University Owls vs University of Miami Hurricanes 11/08/2019 – Florida Atlantic looks to ride on the momentum that they built by winning their opening game. On the other hand, the University of Miami hopes to bounce back from a loss against Louisville on their own home floor. National Championship Basketball predicts that the Hurricanes will take their first win of the season against the Owls. This game will be held at the Hard Rock Stadium in Miami on November 8, 7 pm EST.
Florida Atlantic University Owls vs University of Miami Hurricanes 11/08/2019
Friday, November 8, 7:00 p.m. ET
Hard Rock Stadium, Miami Gardens, Florida
SP/RL
Florida Atlantic +12 (-110) 141 o (-110) +550
Miami -12 (-110) 141 u (-110) -833
It's a South Florida showdown tomorrow night at the Watsco Center as the Hurricanes host FAU.
Game preview, news & notes ⤵https://t.co/OFltGsQmlZ
— Canes Hoops (@CanesHoops) November 7, 2019
The Florida Atlantic University Owls impressed with a 92-81 win over Flagler College on their first game of the season. It was the rebounding that helped the team win and owning the offensive glass. Cornelius Taylor was a revelation and came out firing his guns to sink 3 out of 4 threes and finished the game with 20 points. Michael Forrest had 12 points while Karlis Silins added 13. Madiaw Niang was the unsung hero of the game. He only had 6 points and grabbed nine boards. In this game against Miami, they need to take care of the ball since they had 21 turnovers against Flagler. Their three-point shooting will have to be on cue and will be one of their main weapons against the Hurricanes.
Players to Watch: Cornelius Taylor (20 PTS, 3/4 3 PM, 7/10 FGM), Michael Forrest (12 PTS and 3 RBS), Karlis Silins (13 PTS and 3 RBS), Madiaw Niang (6 PTS and 9 RBS).
It was tough opening night for the Hurricanes losing to the Cardinals by 13 points. The talent was just too much for Miami to handle. They were outrebounded 38-30 and the opposition's offense was on cue allowing them to hit 47% from the three-point line. Chris Lykes brought his game and finished with 10 points and five assists. Dejan Vasiljevic had 16 points on 4-of-7 shooting from the three-point line. Kameron McGusty had 12 points but he missed eight shots from the field. In their first home game, they are expected to bounce back hard against the owls and hoping to start the feel of winning this season.
Players to Watch Chris Lykes (18 PTS, 5 APG, 2 STL), Dejan Vasiljevic (16 PTS, 4 RBS, 3 AST), Kameron McGusty (12 PTS and 2 RBS), Rodney Miller Jr. (6 PTS and 9 RBS).
Florida Atlantic University Owls vs University of Miami Hurricanes Betting Predictions
The total has gone UNDER in 4 of Florida Atlantic's last 5 games.
Owls are 1-4 SU in their last 5 games.
Florida Atlantic is 0-8 SU in their last 8 games against Miami.
The total has gone UNDER in 4 of Florida Atlantic's last 5 games on the road.
Owls are 0-10 SU in their last 10 games when playing on the road against Miami.
Hurricanes are 2-5 ATS in their last 7 games.
The total has gone OVER in 4 of Miami's last 5 games.
Hurricanes are 2-5 SU in their last 7 games.
The total has gone OVER in 4 of Miami's last 6 games against Florida Atlantic.
The total has gone OVER in 5 of Miami's last 6 games at home.
Florida Atlantic University Owls vs University of Miami Hurricanes Betting Picks
NCAAB Point Spread Picks select the Miami Hurricanes picking up their first win of the season. It will be a comeback game with Chris Lykes heading the charge in Miami. It will be a difficult night for Florida Atlantic and will experience their first defeat in this game. Both teams are projected to have 1-1 records after their matchup.
Moneyline: Miami is the favorites in this game and they are a safe bet to win it with a -833 Moneyline.
ATS: Florida Atlantic is the underdog in this game and was given a -11 across the spread.
TOTALS: Both teams are projected to be at 141 Totals with Miami going over and Florida Atlantic is under.
Score Prediction: 83-70 Miami Hurricanes.


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By 2025, 60% of funding for public colleges and universities in Ontario will be based on performance. Like the United States, Ontario's postsecondary funding was historically based on enrollment, but…
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Despite changing student demographics and technological advancements, the American higher education regulatory infrastructure and related legislation continue to address only the needs of traditional postsecondary students. In this interview, leaders…
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America has one of the best higher education system in the world, especially for full-time students pursuing a traditional four-year college degree. But for working students and adults who need…
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On February 12, 2018, the President released his principles for infrastructure investment that included a call to expand apprenticeship. The principles focused on how the education system can support this…
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In 1965, when our nation's keystone higher education law, the Higher Education Act, was first passed by Congress and signed into law by President Lyndon Johnson, the American student population…
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In September 2017, the Department of Education's Office of the Inspector General (OIG) conducted an audit on Western Governors University (WGU), and found that the university's faculty did not meet…


The report on Global Keyhole Limpet Hemocyanin (KLH) Market Report is a professional report which provides thorough knowledge along with complete information pertaining to the Keyhole Limpet Hemocyanin (KLH) propose classifications, definitions, applications, industry chain summary, industry policies in addition to plans, product specifications, manufacturing processes, cost structures, etc.
This report studies the Keyhole Limpet Hemocyanin (KLH) market, KLH, which can be used as an active pharmaceutical ingredient (?API?), is a very large, high molecular weight, oxygen-carrying glycoprotein made of millions of atoms. There are two KLH subunit forms, KLH1 and KLH2, each composed of seven or eight functional units, with each functional unit having an oxygen binding site of two copper atoms. Keyhole limpet hemocyanin is an extremely large, heterogeneous glycosylated protein consisting of subunits with a molecular weight of 350,000 and 390,000 in aggregates with molecular weights of 4,500,000-13,000,000. Each domain of a KLH subunit contains two copper atoms that together bind a single oxygen molecule (O2). The KLH protein is potently immunogenic yet safe in humans and is therefore highly prized as a vaccine carrier protein.
Considered to be one of the most acclaimed business spheres of the modern-day industrial space, the Keyhole Limpet Hemocyanin (KLH) market, in this report, has been touted to emerge as a highly remunerative vertical in the years to come, depicting an appreciable growth rate over the forecast period. The report encompasses a highly intrinsic summary of the Keyhole Limpet Hemocyanin (KLH) market, providing elaborate details regarding the numerous segments that this industry vertical has been split into, in addition to the other parameters that would help toward better understanding this business space.
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As with most Caribbean islands, the island of St. Thomas was discovered by Columbus on his second voyage in 1493. Never-the-less, Amerindian settlers had been traveling the Caribbean for at least 5,000 years prior to that.
According to archaeological studies, there were two main migration periods. The first from Mesoamerica across the Gulf of Mexico probably between 4,000 and 2,000 b.c.e. The second migratory group, known as the Arawaks, "island hopped" from the Orinoco Basin in South America across the Antillean archipelago about 1,500 year ago, and settled as far West as Cuba. This "Tainos" culture was based on agriculture and the production of clay pottery. They were the residents of the islands when Columbus arrived.
St. Thomas remained unsettled until 1666, when a group of Danish merchants formed the Danish West India Co. and attempted to establish a settlement on the island. There was a chronic shortage of supplies, the soil was poor and there was no reliable source of water. In addition, the settlement was constantly on guard against raids from freebooters and pirates that cruised the Caribbean.
A second expedition, better capitalized by the Danish West India Co., and sponsored by the Danish King arrived in St. Thomas in 1672. This enterprise, although more successful in principle, was terribly mismanaged by a series of very unscrupulous governors, who plundered the company bringing the parent company to near bankruptcy.
Denmark's neutral position in the various European conflicts made St. Thomas the only port in the area that was accessible to ships of all nations. The island's excellent harbor and the availability of warehouse space made it an ideal port for commercial transactions. Finally, the tax exempt incentives offered by the Danish Crown eventually turned St. Thomas into a duty-free port. Above and beyond all else, St. Thomas' strategic location made the harbor of Charlotte Amalie the first landfall on the southern Atlantic crossing for ships bound for the Gulf, Central and South America.
On January 17, 1917, the government of the United States acquired the Virgin Islands from Demark for twenty five million dollars. The purchase was primarily motivated by WWI. US wanted to protect the Panama Canal, less than 20 years old at the time, and there was also a need for a coaling station for warships in the islands. The purchase included the islands of St. Croix, St. Thomas, St. John, Hassel and Water along with numerous smaller Islands.