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Reignited ire buffets Muslim students

Despite tensions, many hold to their belief in America

Laila Alawa (right), with Ameera Keval (center) and Maliha Rahman, Wellesley juniors. Laila Alawa (right), with Ameera Keval (center) and Maliha Rahman, Wellesley juniors. (Michele McDonald for The Boston Globe)
By Lisa Wangsness
Globe Staff / September 6, 2010

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WELLESLEY — Laila Alawa fiddled with her cellphone, pretending she hadn’t heard what an apparently intoxicated man near her on the MBTA had said about “her people’’ wanting to build the “ground zero mosque.’’

Growing up in a large Muslim family in upstate New York and New Hampshire, Alawa had often drawn stares because of her headscarf, and sometimes endured harassment from neighborhood children. But this summer, as she shuttled between research jobs at Wellesley College and MIT, the looks and questions from strangers about where she was from seemed to come more often, and with a sharper edge.

“Every day I wake up, I just really want to put it out there — like, we’re not going to hurt you,’’ Alawa, a 19-year-old Wellesley student, said in an interview last week. “We are normal people, with fears and aspirations.’’

Alawa is one of hundreds of young Muslim students returning to college campuses in the Boston area this week amid tensions surrounding the proposed Islamic center and mosque two blocks from the former World Trade Center site in New York. Watching the controversy unfold over the summer, many felt frustration at what they saw as a growing conflation of terrorism and Islam in America. Some were alarmed at episodes of violence against Muslims, such as the arson at a mosque construction site in Tennessee and the stabbing of a Muslim cab driver in New York.

But as they celebrate the final days of Ramadan amid the rush of choosing classes and reuniting with friends, Muslim students said in interviews last week that they remain optimistic about Americans’ embrace of religious pluralism, even as they deplore what they see as fearmongering by American politicians — as well as the violence perpetrated by radical Islamists abroad.

“I keep thinking about the little acts of kindness people give me,’’ said Alawa, who recalled that, after the man on the train denounced her, an older woman in the next seat turned to her and told her not to listen to him, that it would be all right.

“I just hope that I can give back,’’ Alawa said.

Ramadan, the ninth month of the Islamic lunar calendar, when Muslims believe the first verses of the Koran were revealed to the Prophet Muhammad, is a time of self-discipline and reflection, but also of celebration. The iftar dinners held at many colleges each night to celebrate the breaking of the daily fast showcase the lively Muslim communities flourishing on local campuses.

In Boylston Hall in Harvard Yard last week, more than 100 students attended an intercultural iftar co-sponsored by the Harvard Islamic Society and African, Arab, and Southeast Asian student groups. Just after sundown, they broke the fast by eating dates and drinking water. Prayer followed, then a casual dinner of chicken, olives, and salad.

For many students, the controversy over the Islamic center near ground zero seemed to erupt almost out of nowhere.

Rashid Yasin, an outgoing 20-year-old, said he experienced no discrimination growing up in Scituate, where his was the only Muslim family he knew. When he returned in late August from an around-the-world trip with his a capella group, the Din & Tonics, he was shocked at the news he’d missed.

“At the beginning it was easy to be really angry that there was all this hostility towards my religion,’’ he said. “You think about it more, and it’s tragic, because it comes out of ignorance. A lot of people don’t understand enough about Islam that they can think beyond a superficial level of, ‘Islam is related to terror, Islam is related to violence, Islam is related to the oppression of women.’ ’’

But Yasin said he felt confident that things would settle down. Americans, he reasoned, have overcome prejudice against Jews, Catholics, and other groups in the last century. “I have faith that America will do it again,’’ he said.

Maera Siddiqi, 25, who is studying religion at Harvard Extension School, said she is heartened that the classes she’s taking in Arabic and Islam are packed with non-Muslin students who want to learn about the Islamic world, and yet she hasn’t felt as comfortable praying in public as she did last year. Her husband, Benjamin Thal, 27, thinks of the taxi driver who was stabbed after his passenger asked if he was a Muslim — a question he’s asked many cab drivers himself, in a spirit of comraderie.

At an iftar held at an MIT dining hall last week, several dozen students filled their plates with maklouba, a Palestinian rice dish, and settled down at large tables to chat and eat.

Nabeel Ahmed, a 30-year-old postdoctoral student, said he had been more concerned lately with the flooding in his native Pakistan than the debate surrounding the mosque in lower Manhattan.

“A disaster of that scale is not getting nearly as much attention as it should in the local media,’’ he said.

But Ahmed nor Syed Imaad, a 22-year-old graduate student sitting nearby, said the rhetoric on cable television seemed very distant from their lives at MIT, which they described as a friendly, cosmopolitan place. “It’s all just politics,’’ Imaad said of the controversy with a shrug.

At Wellesley, Alawa and 20-year-old peers Ameera Keval and Maliha Rahman said they had had overwhelmingly positive experiences. They said they appreciated that Wellesley has a Muslim chaplain, educational programs such as “Islamarama’’ week to teach students about Islam, and even special multifaith housing to encourage discussion of religious difference.

Rahman, a pre-med student from Pleasanton, Calif., recalled with a laugh how interested her non-Muslim dormmates were in learning about the ablutions for prayer she performed in their shared bathroom. “It’s even small things like that,’’ she said. She said she’d read that Americans who knew Muslims personally weren’t afraid of them.

“Over time, as people move to different places and integrate more into the community, this will go away,’’ she said.

Keval, a junior at Wellesley, was raised in California and Amman, Jordan, where her father serves as a lieutenant colonel in the US Air Force. She remembers how she felt sitting in class at her Montessori school in California on Sept. 11, 2001; her dad was at the Pentagon that day.

When she hears Islamic extremists abroad advocating violence, she said, “it scares me, too.’’

Keval wants to be a diplomat, and maybe even run for president one day — a dream she does not see as impossible, even now.

“I don’t know if that’s being naive or childish,’’ she said. “I still have faith in America, and in Americans, I really do.’’

Alawa says she makes a point of trying to meet strangers’ stares with a smile, even when she feels like crying instead. She has become passionate about doing community outreach work through the Muslim American Society’s Boston chapter. And she has joined a Facebook group her friend started to encourage Muslims and their friends to send “The Daily Show’’ host Jon Stewart a present for Eid, which marks the end of Ramadan, for his “sane, honest, and hilarious’’ coverage of the mosque controversy.

“I’m planning on getting him flowers,’’ she said.

And Farhan Murshed, 21, a Harvard senior studying neurobiology, said the controversy has been in many ways inspirational. Mayor Michael Bloomberg of New York, who has supported the Islamic center project despite popular opposition, has become a new hero to Murshed, a native of Bangladesh who said he grew up “between worlds’’ in Australia, Canada, and then Troy, Mich.

“I just want to thank him, I want to shake his hand,’’ he said. “Hearing him . . . tells me I really have something to contribute, something to build, something to give back.’’

Lisa Wangsness can be reached at

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lemonade... good news from newport

july 2012

SallyAnne Santos

Hi Everyone!

Welcome to the July issue of lemonade!

Normally, I use this space to look forward, but this month I'm compelled to look back and give thanks and kudos to awesome events that have already taken place.

Bill Doyle and Jed Pearsall First, to my dear friends Bill Doyle and Jed Pearsall, two of the best lemonade-makers ever. They had the courage, foresight, tenacity and creativity to turn the tragedy of their NY30 Amorita's 2007 sinking into a remarkable film, 07.07.07 Amorita's Unlucky Day. It will touch hearts and imaginations for years to come, just as the boat herself has done for more than a century-- BRAVO!

Brad Read Next to Brad Read, the first person to welcome me to Newport after 9/11 and help me heal with Sail for Pride. He along with his Sail Newport team are largely responsible for bringing the America's Cup World Series to Newport, and making it such a huge success. It was one of the most amazing events ever, and puts Newport on the map for more world class sailing events in the future-- WELL DONE!

D.F. Dwyer InsuranceAnd finally, I invite you to take a trip in the wayback machine to July 1962, another historic time in Newport. It too was an America's Cup summer, Louis Armstrong, Aretha Franklin and Count Basie played the Newport Jazz Festival, JFK and the First Family vacationed at Hammersmith, Telestar was launched and watermelon was just 5 cents/lb at Almacs. Thanks to D.F. Dwyer Insurance Agency Celebrating 50 Years, we're squinting at microfilm every month to uncover really interesting "lost" stories not found elsewhere on the "interwebs."  Enjoy the time trip to 1962 in Newport & Beyond here.

2011 All Star Award Happy Independence Day!

p.s. The Windlass Creative office will be closed from Friday, 7/13 through Monday, 7/23 as yours truly takes a break to attend Guitar Camp with Richard Thompson. (Wahoo!)

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Even though the Newport Folk Festival is sold out, you can still get tickets for Wilco on 7/27 and there is plenty of other great live music available this month. The Narrows Center for the Arts has Chuck Prophet on 7/12, The Royal Southern Brotherhood on 7/13 and Eric Lindell on 7/27, to name just a few. Ballard Park presents 2011 Battle of the Band winners, Milkbread on 7/11 and Honky Tonk Knights on 7/18. Los Lobos plays the Sunset Music Series on 7/13, Mr. Chubb is at Newport Grand on 7/20 and the Newport Bridge Festival runs from 7/30-8/2.

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Blithwold will host Family Fun Fridays starting on 7/6, 7/13, 7/20 and 7/27 and the Tallships visit Newport from 7/6-7/9. One of my very favorite annual events, the Newport Kite Festival will be held at Brenton Point on 7/14.  Something new, Newport Hullabaloo, billed as a sunset pop-up party with street performers and merriment for all ages, will be at the Yachting Center on 7/11 and 7/18.

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You'll soak in many beautiful sights in the great outdoors this month, both natural and man made. Among them are the Cultural Survival Bazaar on 7/14-15 and the Arts & Artisans Fair, both at Tiverton 4 Corners. NewportFILM will screen outdoor movies including Ethel at the Tennis Hall of Fame on 7/26 and celebrate a Midsummer's Night Dream with Shakespeare in the Vineyards on 7/27-29.

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text:
Tim Lucas
The Mortgage Reports editor

Mortgage rate forecast for next week (September 19-25, 2021)

Mortgage rates have been in a holding pattern for the past few weeks, sitting comfortably below 3%.

Now, all eyes are on next week’s FOMC meeting which ends September 22. If the Fed sets a date to start easing off its Covid-era policies — and if that date is sooner than expected — mortgage rates could increase.

But those are a lot of ‘ifs.’ And with new Covid cases still spiking, a return to a normal economy (and to higher rates) seems less imminent than before.

Find your lowest mortgage rate. Start here (Sep 20th, 2021)

In this article (Skip to…)

Will mortgage rates go down in September?

Mortgage rates have stayed low throughout September, mostly due to a surge in Covid cases spurred by the Delta variant.

How do case numbers relate to mortgage rates?

Well, mortgage interest rates are driven by the broader economy. When the economy is improving — with increased spending, job growth, and consumer confidence — mortgage rates tend to go up. And when the economy falters, those rates fall.

Economists and investors lost some confidence about our economic recovery as the Delta variant swept across the nation.

As a result, rates stayed near their lowest lows.

“It’s Groundhog Day for mortgage rates, as they have remained virtually flat for over two months,” said Freddie Mac’s chief economist Sam Khater on September 16.

“The holding pattern in rates reflects the markets’ view that the prospects for the economy have dimmed somewhat due to the rebound in new COVID cases,” he explained.

So, what will happen to rates next?

The Fed’s policy-making body, the FOMC, meets next week. And earlier this month, it seemed likely they’d announce a start date for tapering their economic stimulus. Such an announcement would almost certainly send mortgage rates upward.

But with renewed uncertainty in the economy, that announcement seems less imminent than before.

Still, if you’re ready to lock a rate now, it’s a great time to do so. Mortgage rates are still holding near their all-time lows, but that trend might not last much longer.

Compare mortgage and refinance rates. Start here (Sep 20th, 2021)

Mortgage interest rates forecast next 90 days

We expect mortgage rates to continue to hover near or just below 3% for the next few weeks. Over the next 90 days, a modest overall increase seems likely.

Based on expert mortgage rate predictions and forecasts from housing authorities, 30-year mortgage rates could go as high as 3.17% within the next 90 days.

Mortgage rate predictions for late 2021

Experts are split on their mortgage rate predictions for fall and winter of 2021.

Fannie Mae and the National Association of Home Builders see average 30-year rates staying below 3% through Q4 2021, while agencies like Freddie Mac and the Mortgage Bankers Association predict 30-year rates as high as 3.3 to 3.4% by the end of the year.

In any case, mortgage interest rates should stay in the low- to mid-3% range throughout the second half of 2021. No one is expecting a dramatic spike any time soon.

Housing Authority30-Yr Mortgage Rate Prediction (Q4 2021)
Fannie Mae2.90%
National Assoc. of Home Builders2.94%
National Association of Realtors3.20%
Wells Fargo3.25%
Mortgage Bankers Association3.30%
Freddie Mac3.40%
Average Prediction3.17%
Find your lowest interest rate (Sep 20th, 2021)

What could cause mortgage rates to rise or fall?

Many industry experts believed rates would rise further and faster in 2021.

However, there’s a tug-of-war in the current market keeping mortgage rates low even when it seems like they should have risen.

What could drive mortgage rates up?

  • An improving economy — The better the U.S. economy performs for jobs, consumer spending, and overall growth, the higher interest rates should go
  • Inflation — Inflation almost always leads to higher mortgage rates, and inflation rates in 2021 have far exceeded expectations. (Although the Federal Reserve still maintains current inflation rates should be temporary)
  • Real estate demand — Despite low inventory, demand for new homes and existing homes remains incredibly strong. Normally, a surge in mortgage financing should lead to higher rates

What’s keeping mortgage rates low?

  • The Delta variant — Fear that the coronavirus Delta variant could stall economic growth at home and abroad is pushing mortgage rates down. Remember that weaker economies lead to lower mortgage rates
  • Easy money policies by the Federal Reserve — By keeping its benchmark interest rate (the Federal Funds Rate) near 0% and continuing to purchase billions of dollars worth of mortgage-backed securities (MBS), the Fed is keeping mortgage rates artificially low
  • Foreign investment in U.S. debt — Foreign investors continue to purchase relatively safe U.S. investments, including things like 10-Year Treasury bonds and MBS. An influx of dollars from these investors means continued low interest rates for borrowers

The Federal Reserve and mortgage rates

Currently, the Federal Reserve is purchasing $40 billion per month in mortgage-backed securities (MBS) as part of its Covid stimulus program.

This is one of the single biggest factors keeping mortgage rates as low as they are.

When the Fed slows or ‘tapers’ its purchasing of MBS, mortgage rates are almost certain to increase by a wider margin than we’ve seen this year.

And that could be coming in the not-too-distant future.

In a speech on August 27, Fed Chair Jerome Powell indicated that asset purchase tapering could begin before the end of the year — depending on how the Delta variant plays out economically.

Asset purchase tapering could begin before the end of the year — depending on how the Delta variant plays out economically.

“We have said that we would continue our asset purchases at the current pace until we see substantial further progress toward our maximum employment and price stability goals,” said Powell. “My view is that the ‘substantial further progress’ test has been met for inflation. There has also been clear progress toward maximum employment.”

He continued on to say that in light of these positive trends, he and other Fed members believe it may be “appropriate to start reducing the pace of asset purchases this year.”

But — and it’s a big ‘but’ — the Fed still isn’t clear on what the overall economic impact of the Delta variant will look like. And because of that, it’s not ready to make any firm plans to start withdrawing support in 2021.

Now, all eyes are on the FOMC meeting on September 21-22.

By then we should know at least a little more about how the pandemic is impacting U.S. economic progress. And we may hear further news on tapering.

Until then, rates should stay in or near their current low range.

Mortgage rates were about flat this week. The average 30-year fixed rate is 2.86%, down just slightly from 2.88% the week prior according to Freddie Mac’s weekly rate survey.

Per the survey, 15-year fixed rates fell from 2.19% to 2.12%. And the average rate for a 5/1 ARM ticked up from 242% to 2.51%.

Source: Freddie Mac

Overall, mortgage rates are still close to their lowest levels in history.

The lowest 30-year mortgage rate ever was just 2.65%, recorded by Freddie Mac in January 2021. So anyone who can lock in at or near today’s mortgage rates is getting a fantastic deal on their home loan.

Also keep in mind that average rates are just that — averages. “Prime” borrowers with great credit and large down payments often get lower interest rates than the ones shown here. And borrowers with lower credit or fewer assets may get higher rates.

Many mortgage shoppers don’t realize there are different types of rates in today’s mortgage market.

But this knowledge can help home buyers and refinancing households find the best value for their situation.

Following are 3-month mortgage rate trends for the most popular types of home loans: conventional, FHA, VA, and jumbo.

July 2021June 2021May 2021
Conforming Loan Rates2.99%3.16%3.15%
FHA Loan Rates3.10%3.23%3.23%
VA Loan Rates2.64%2.80%2.81%
Jumbo Loan Rates2.97%3.10%3.21%

Source: Black Knight Originations Market Monitor Report

Which mortgage loan is best?

The best mortgage for you depends on your financial situation and your goals.

For instance, if you want to buy a high-priced home and you have great credit, a jumbo loan is your best bet. Jumbo mortgages allow loan amounts above conforming loan limits — which max out at $548,250 in most parts of the U.S.

On the other hand, if you’re a veteran or service member, a VA loan is almost always the right choice.

VA loans are backed by the U.S. Department of Veterans Affairs. They provide ultra-low rates and never charge private mortgage insurance (PMI). But you need an eligible service history to qualify.

Conforming loans and FHA loans (those backed by the Federal Housing Administration) are great low-down-payment options.

Conforming loans allow as little as 3% down with FICO scores starting at 620.

FHA loans are even more lenient about credit; home buyers can often qualify with a score of 580 or higher, and a less-than-perfect credit history might not disqualify you.

Finally, consider a USDA loan if you want to buy or refinance real estate in a rural area. USDA loans have below-market rates — similar to VA — and reduced mortgage insurance costs. The catch? You need to live in a ‘rural’ area and have moderate or low income to be USDA-eligible.

Find your lowest mortgage rate (Sep 20th, 2021)

Mortgage rate strategies for September 2021

Rates seem likely to rise in September and beyond, if only marginally. But there are still great opportunities to be had for home buyers and refinancing homeowners in 2021.

Here are just a few strategies to keep in mind if you’re mortgage shopping in the next few months.

Cash-out equity at today’s low rates

Between Q1 2020 and Q1 2021, the average mortgaged household saw its equity increase by nearly 20 percent.

That translates to a lot of pent-up wealth for American homeowners.

In fact, data firm Black Knight estimates that the average U.S. homeowner now has $153,000 in “tappable” home equity. (That’s the amount that could be withdrawn before reaching the maximum LTV on a cash-out refinance.)

The average U.S. homeowner currently has around $153,000 in “tappable” home equity.

When used wisely, that equity can help improve your overall financial health and even generate new cash flows.

For example, many borrowers use cash-out funds to:

  • Buy a second home or investment property
  • Pay off high-interest credit card or personal loan debt
  • Invest in renovations that increase their home’s value
  • Invest in stocks, bonds, and other vehicles

As an added benefit, mortgage rates are still near record lows. That means some homeowners can cash-out their equity and lower their interest rate at the same time.

Wondering if a cash-out refi is worth it for you? Explore today’s cash-out refinance rates or check your eligibility via the link below.

Check your cash-out refinance eligibility (Sep 20th, 2021)

Should you put 20% down on a house?

In a competitive real estate market, many first-time home buyers feel pressure to put down 20% or more. But that might not always be the best move.

Yes, there are benefits to making a big down payment on your home purchase.

In terms of cost, you’ll likely get a lower mortgage rate. And your monthly payments will be reduced because you’re borrowing less.

But there are downsides to a 20% down payment, too.

If making a big down payment would drain your savings — leaving you with little cash for things like repairs, furnishing, and an emergency fund — then it’s likely not wise to pay so much out of pocket.

Not to mention, if you’re waiting until you have 20% down to buy, you might be waiting a long time. Home values are rising quickly nationwide — which means the longer you spend saving, the higher home prices you’ll be chasing.

To learn more and explore low-down-payment options, check out this article on the pros and cons of a 20% down payment.

Or, listen to our home buying podcast on Apple Podcasts or Spotify.

Save more by shopping around

Mortgage lenders are still offering near-record low rates to good borrowers. But there’s a catch.

You can’t just look for the lowest rate advertised online. Because the rates lenders advertise aren’t available to everyone.

Those offers typically represent borrowers with perfect credit, 20% down or more, and a sterling credit history.

Those criteria won’t apply to everyone. The rate you’re actually offered depends on:

  • Your credit score and credit history
  • Your personal finances
  • Your down payment (if buying a home)
  • Your home equity (if refinancing)
  • Your loan-to-value ratio (LTV)
  • Your debt-to-income ratio (DTI)

To figure out what rate a lender can offer you based on those factors, you have to fill out a loan application. Lenders will check your credit and verify your income and debts, then give you a ‘real’ rate quote based on your financial situation.

You should get 3-5 of these quotes at minimum. Then compare them to find the best offer.

Look for the lowest rate, but also pay attention to your annual percentage rate (APR), estimated closing costs, and ‘discount points’ — extra fees charged upfront to lower your rate.

This might sound like a lot of work. But you can shop for mortgage rates in under a day if you put your mind to it. And shaving just a few basis points off your rate can save you thousands.

Compare mortgage and refinance rates. Start here (Sep 20th, 2021)

Mortgage interest rate FAQ

What are current mortgage rates?

Current mortgage rates are averaging 2.86 percent for a 30-year fixed-rate loan, 2.12 percent for a 15-year fixed-rate loan, and 2.51 percent for a 5/1 adjustable-rate mortgage, according to Freddie Mac’s latest weekly rate survey. Your own rate could be higher or lower than average depending on your credit score, down payment, and the lender you choose to work with, among other factors.

Will mortgage rates go down next week?

Mortgage rates could increase next week (September 19-25), depending on what happens at the Federal Reserve’s FOMC meeting. If the Fed announces an early date to start tapering its asset purchases, mortgage rates might start trending upward. But no such announcement is guaranteed. So keep your eye on the September 22 FOMC announcement if you’re watching rates.

Are mortgage rates expected to drop in 2021?

Mortgage rates are not expected to drop by any significant amount in the remainder of 2021. However, if the Covid cases continue to worsen due to the Delta variant, this could drag down the U.S.’s economic recovery. Any significant slowdown could push mortgage rates lower, or at least help to keep them in the sub-3 percent range throughout the fall.

Will mortgage interest rates go up in 2021?

Yes, mortgage rates are likely to increase in 2021 and next year. Most economists and housing authorities are predicting rates in the low- to mid-3 percent range by the end of the year, rather than in the high 2s where they’ve been recently. However, due to economic uncertainty caused by the Covid-19 Delta variant, significant rate increases may not come until the end of the year.

What is the lowest mortgage rate right now?

Freddie Mac is still citing average 30-year rates below 3 percent. But remember that rates vary a lot by borrower. Those with perfect credit and large down payments may see lower rates in the 2 percent range, while poor-credit borrowers and those with non-QM loans might see interest rates closer to 4 percent. You’ll need to get pre-approved for a mortgage to know your exact rate.

Will mortgage rates go up with inflation?

In a normal market, inflation leads to higher mortgage rates. Fixed-rate assets like mortgage-backed securities (MBS) have to offer bigger returns to entice investors when inflation is rising. However, we’re not in a normal market. The Fed believes current inflation rates will be temporary, which is helping keep mortgage rates low. And economic concerns over coronavirus are pushing rates down as well. So they haven’t responded to inflationary pressures as usual.

What is the lowest mortgage rate ever?

At the time of this writing, the lowest 30-year mortgage rate ever was 2.65 percent. That’s according to Freddie Mac’s Primary Mortgage Market Survey, the most widely-used benchmark for current mortgage interest rates.

What’s a good mortgage rate?

Any mortgage rate in the low- to mid-3 percent range is very good by historical standards. Looking back just one year, mortgage rates started 2020 at nearly 4 percent. And they were above 4.5 percent in early 2019. So today’s rates are excellent by comparison.

Is now a good time to refinance?

That depends on your situation. It’s a good time to refinance if your current mortgage rate is above market rates and you could lower your monthly mortgage payment. It might also be good to refinance if you can switch from an adjustable-rate mortgage to a low fixed-rate mortgage; refinance to get rid of FHA mortgage insurance; or switch to a short-term 10- or 15-year mortgage to pay off your loan early.

Is it worth refinancing for 1 percent?

It’s often worth refinancing for 1 percentage point, as this can yield significant savings on your mortgage payments and total interest payments. Just make sure your refinance savings justify your closing costs. You can use a mortgage calculator or speak with a loan officer to crunch the numbers.

What will mortgage rates be in 5 years?

Based on what we know today, it seems likely mortgage rates could be higher in 5 years than they are now. Current mortgage rates are near their lowest levels ever, and seem more likely to rise than to drop further. However, any number of unexpected events could change the course of interest rates in the next few years. For instance, no one predicted the Covid pandemic would push mortgage rates to new record lows in 2020 and 2021.

How do I shop for mortgage rates?

Start by choosing a list of 3-5 mortgage lenders that you’re interested in. Look for lenders with low advertised rates, great customer service scores, and recommendations from friends, family, or a real estate agent. Then get pre-approved by those lenders to see what rates and fees they can offer you. Compare your offers (‘Loan Estimates’) to find the best overall deal for the loan type you want.

Should I lock my mortgage rate today?

Refinancers: If you’ve compared loan offers and you’re confident you’ve found the best deal, today is a great time to lock a mortgage refinance rate. Home buyers: If you have a signed purchase agreement and loan approval in hand, today is also a great time for you to find a low rate and lock in.

What are today’s mortgage rates?

Low mortgage rates are still available. You can get a rate quote within minutes with just a few simple steps to start.

Verify your new rate (Sep 20th, 2021)

1Today’s mortgage rates based on a daily survey of select lending partners of The Mortgage Reports. Interest rates shown here assume a credit score of 740. See our full loan assumptions here.

Selected sources:


text:
Wednesday, 14 March 2018

Remembering Billy Graham

Photo source: Herald Sun

The Year 1979

The photo at left was taken in 1979 at one of Mr. Graham’s crusade meetings held at Sydney’s largest racecourse. 1979! Oh what a year. I think back on it with great fondness. I was in Year 10 at school and I particularly loved that school year. I even did well at Science that was a first for me. It gave me a boost especially as I wanted to follow in my Dad’s footsteps and study medicine. When it came to selecting my subjects for the final two years of school, I ignored the vocational guidance tests that indicated I was more suited to arts-style courses, and chose to study physics and chemistry so as to give myself a chance of qualifying for medicine. I soon discovered in the early weeks of Year 11 that I really wasn’t cut out for either of them. Darn!

But more significantly in 1979 I met Jesus. Because of Mr. Graham.

I had been attending youth fellowship and church for about nine months when Mr. Graham’s crusade came to town. So many of us from church attended that we had buses ferry us to the other side of Sydney to Randwick Racecourse to attend each night. We had a lot of fun on those bus trips.

I attended five nights. To hear Mr. Graham speak. To hear more about this person, Jesus Christ. I responded to his alter call invitation on the first night. I remember that stirring in the gut, will I/won’t I, and then having to make a long trek from my seat in one of the stands to the front of the stage. I was met by a man, one of hundreds of volunteers, who said a few things and gave me a small book. I never heard from him again. But that didn’t matter. I’d accepted Jesus into my life. I was born again.

Just the beginning

Soon after the crusades finished I enrolled in confirmation classes at my church. Yes, we had eight to ten weeks of classes in the home of one of the great families in the church to learn more about what being a Christian meant. In addition, we were given an overview of various disciplines like prayer and reading the Bible.

I also needed to be baptized as my parents didn’t baptize any of us when we were young. This created a bit of angst with my Dad. He challenged me to consider ALL the alternatives to Christianity and even asked me to read a book written by Carl Sagan who was a recognized God-skeptic. I read it but it didn’t discourage me in my decision. Dad appreciated the fact I read the book and even though he still questioned my decision he allowed me to proceed.

The journey

It has only taken me another almost 40 years to begin to better understand who Jesus is and how much He loves me but gosh I’ve loved the journey. Certainly, there have been many valleys where I’ve struggled in my walk but I’ve come to realise the importance of communicating with the Lord, reading His Word all the time, and being in community with other believers is so important to moving forward. Most of my valleys have been times of when I’ve tried to do life on my own terms. It’s been in learning that God made us to be dependent on Him that I’ve discovered the victory we have in daily walking with Him.

Thank you, Mr Graham, for introducing me to Jesus. There have been so many wonderful and much deserved tributes dedicated to the great man but it’s kinda special for me to know that I’m one of the many millions who carry the legacy of the incredible life he lived. I’ll always treasure his memory.

Now your turn. Love us all to share in the comments of someone who has played a key role in your faith walk. What about Billy Graham? Did you attend one of his crusades?

Ian Acheson is an author and strategy consultant based in Sydney. Ian's first novel of speculative fiction, Angelguard was recognised with the 2014 Selah Award for Speculative Fiction.You can find more about Angelguard at Ian's website, on his author Facebook page and Twitter

  1. What a great memory, Ian! I remember the BG crusade in the early 90s (?) when we gathered at our local high school together with hundreds of other Christians, and were linked to a BG broadcast. I’m so glad Mr Graham made the long journey down under in the 1960s, when my parents attended a crusade and were saved - thus leading to my growing up in a Christian home, and a legacy of faith.

    1. It’s incredible how many lives were touched by Billy Graham whether directly or indirectly. Your parents were saved at one and then you got to watch him on a broadcast. Just 2 more examples of his wide-reaching legacy.

  2. Thanks for sharing your story, Ian. I was blessed to read it. I know so many brothers and sisters who came to know Jesus through the ministry of Billy Graham. What an inspiration it is to see what God can and does do through His children when we choose to follow Him and share Him with others. May God continue to reach and save many through you and others who were touched by the ministry of Billy Graham!
    God used Ron Baker to awaken me to Him at around 6 years of age. Ron spoke at a crusade in my small local town, and I remember just knowing deep in my heart as he spoke, that there was more to life than just me and all I had known in my short time on earth. I felt a connection with someone so much greater than I. As the crusade finished and the crowd sang 'Just as I am', I felt the presence of God. Afterwards I tried to speak to Mr Baker, but he didn't even notice me, just a small child, and that was when I knew it wasn't him who was connecting with me on such a personal level as he spoke, but God.

    1. What a beautiful testimony, Jenny. Thank you for sharing it. Ron Baker even played ‘Just as I am’ and you remember that. At 6. Amazing.

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text: G.R. L-48183 November 10, 1941. Per current jurisprudence, a marriage though void still needs a judicial declaration of such fact before any party can marry again; otherwise the second marriage will also be void. As discussed in Manuel v. People of the Philippines:23. x x x Such judicial declaration also constitutes proof that the petitioner acted in good faith, and would negate criminal intent on his part when he married the private complainant and, as a consequence, he could not be held guilty of bigamy in such case. ], RELATIVE TO G.R. 18-03-03-SB - RE: E-MAIL COMPLAINT OF MA. 224210, January 23, 2019 - PEOPLE OF THE PHILIPPINES, Plaintiff-Appellee, v. MARYLOU GUMBAN Y CARANAY AND JOEL CHENG NG, Accused, The requirement for a judgment of the presumptive death of the absent spouse is for the benefit of the spouse present, as protection from the pains and the consequences of a second marriage, precisely because he/she could be charged and convicted of bigamy if the defense of good faith based on mere testimony is found incredible. 191425, 07 September 2011) [“Nollora Case”], the Supreme Court convicted a Muslim-convert of bigamy for marrying another wife. 9Thus, the trial court convicted petitioner as follows: 10. G.R. No. It is a mere statutory privilege, and may be exercised only in the manner and in accordance with the provisions of law.21 Indeed, any liberality in the application of the rules of procedure may be properly invoked only in cases of some excusable formal deficiency or error in a pleading, but definitely not in cases like now where a liberal application would directly subvert the essence of the proceedings or results in the utter disregard of the Rules of Court.22. No. "DON EMILIO CARIÑO AGUSTIN," Accused-Appellants. Jurisprudence is replete with cases holding that the accused may still be charged with the crime of bigamy, even if there is a subsequent declaration of the nullity of the second marriage, so long as the first marriage was still subsisting when the second marriage was celebrated. There are currently no known outstanding effects for the Offences against the Person Act 1861, Cross Heading: Bigamy. MARIA THERESA MENDOZA-ARCEGA, ASSOCIATE JUSTICE, SANDIGANBAYAN AND HON. Kris News visited the home of Vivian Milam to show how to make a Filipino favorite called pancit. 6-7. 18-11-09-SC, January 22, 2019 - RE: COMPLAINT-AFFIDAVIT OF ELVIRA N. ENALBES, REBECCA H. ANGELES AND ESTELITA B. OCAMPO AGAINST FORMER CHIEF JUSTICE TERESITA J. LEONARDO-DE CASTRO [RET. Mel Georgie B. Racela, pays a courtesy call on Chief Justice Diosdado M. Peralta, at the En Banc Session Hall on January 21, 2021. G.R. No. x x x To rule otherwise would result to a situation that every defeated party, in order to salvage his case, would just have to claim neglect or mistake on the part of his counsel as a ground for reversing an adverse judgment. 31 Republic v. Dayot, 573 Phil. Bigamy (in Civil Jurisprudence) † Catholic Encyclopedia Bigamy (in Civil Jurisprudence) (Fr. Annulments are legal in the Philippines, but the process is costly and could take years. Accused Santiago submits that it is her marriage to her co-accused that is null and void as it was celebrated without a valid marriage license x x x. 198780, 16 October2013. Did he commit bigamy? The RTC stated that it could not pass judgment on the validity of the marriage.1âwphi1 The CA held that the attempt of petitioner to attack her union with Santos was in vain. In the United States if a husband or wife is absent and unheard of for seven (or in some states five) years and not known to be alive, he or she is presumed dead, and remarriage by the other spouse is not bigamous. No. 15-4447-P), January 29, 2019 - MILAGROS P. MALUBAY, LEGAL RESEARCHER II, REGIONAL TRIAL COURT, BRANCH 270, VALENZUELA CITY, Complainant, v. HONORIO RAUL C. GUEVARA, CLERK III, SAME COURT., Respondent. 1083 otherwise known as the Code of Muslim Personal Laws of the Philippines, which provides that penal laws relative to the crime of bigamy "shall not apply to a person married xxx under Muslim Law" where the requirements set therein are met. [G.R. Cerdon when the petitioner visited the former's office on February 25, 2013. gamos, marriage) Bigamy, in civil jurisprudence, and especially in … G.R. Bigamy may be accidental, such as when the previous divorce was not finalized due to a technicality, or the previous spouse who was presumed dead is alive. Based on the more credible account of Galang that she had already introduced herself as the legal wife of Santos in March and April 1997, the trial court rejected the affirmative defense of petitioner that she had not known of the first marriage. 408, 416-417 (2015). No. 229780, January 22, 2019 - BALAYAN WATER DISTRICT (BWD), CONRADO S. LOPEZ AND ROMEO D. PANTOJA, Petitioners, v. COMMISSION ON AUDIT, Respondent. People v. Archilla 17 likewise states that the knowledge of the second wife of the fact of her spouse's existing prior marriage constitutes an indispensable cooperation in the commission of bigamy, which makes her responsible as an accomplice. TeleFax: (632) 8124296. e-mail: gtalaw@gtalawphil.com . The gist of petitioner's claim is alleged good faith and that there is no need for a judicial declaration of a disputable presumption (of death of the absent spouse) that has already been provided by law. When it occurs in this context often neither the first nor second spouse is aware of the other. 217978 - PEOPLE OF THE PHILIPPINES, PLAINTIFF-APPELLEE, v. NANCY LASACA RAMIREZ A.K.A. Before this Court is a Petition for Review on Certiorari1 with application for temporary restraining order assailing the January 29, 2014 Resolution2 of the Court of Appeals (CA), which denied petitioner Jacinto Bagaporo y Jabon's "Petition for Relief from Resolution or Judgment in Case Entry was Already Ordered," and its March 24, 2014 Resolution3 denying reconsideration. 228262, January 21, 2019 - PEOPLE OF THE PHILIPPINES, Plaintiff-Appellee, v. JOENIL PIN MOLDE, Accused-Appellant. 669 (1975), Zapanta v. Montesa, 114 Phil. 5, The prosecution adduced evidence that Santos, who had been married to Estela Galang since 2 June 1974, 6 asked petitioner to marry him. 9:30AM to 5:30PM PH Time. Causing was consulted so that the handling lawyer at the appeal stage would be based near in Manila contradicts petitioner's feigned expectation that Atty. Suspension By Reason Of Prejudicial Question. Bigamy. 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text:
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17.02.2019 в 11:45 Тарас:
Какая великолепная фраза

17.02.2019 в 18:25 Сидор:
Спасибочки:) Классная тема, пишите чаше – у вас отлично получается :)

24.02.2019 в 21:08 Инга:
Замечательно, это ценная информация


text:
Future and Forwards contracts are used by businesses and investors to hedge against risks or speculate. Both Futures and Forward are similar in many ways like both involve the agreement to buy and sell assets at a future date and both have prices that are derived from some underlying asset.

Future Contracts

A forward contract is an obligation to buy or sell a certain asset:

  • At a specified price (forward price)
  • At a specified time (contract maturity or expiration date)
  • Typically not traded on exchanges

Future Contracts

Futures are the same as forward contracts, except for two main differences:

  • Futures are settled daily (not just at maturity), meaning that futures can be bought or sold at any time.
  • Futures are typically traded on a standardized exchange.

Note : A forward contract is a private and customizable contract that settles at the end of the contract and is traded over-the-counter(OTC). A futures contract has standardized terms and is traded on an exchange, where prices are settled on a daily basis until the end of the contract.

Settled on daily basisSettled at Maturity or expiration date
Standardized agreementNot Standardized agreement
Low risk of not fulfilling obligations, due to regulation and oversightHigh counterparty risk of not fulfilling obligations, due to low level of regulation and oversight
Traded on Exchanges.Traded on over the counter(OTC)

Futures are traded on an exchange and they have clearing houses that guarantee the transactions.

What Is Counterparty Risk?

Counterparty risk is the probability that one of those involved in a transaction might default on its contractual obligation. Counterparty risk can exist in credit, investment, and trading transactions.

If one party has a higher risk of default, a premium is usually attached to the transaction to compensate the other party. The premium added due to counterparty risk is called a risk premium. In retail and commercial financial transactions credit reports(credit score) are often used by creditors to determine the counterparty’s credit risk.

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text:
Parragon Book Buddy – Food Heroes “Use Your Noodle”

Parragon Book Buddy – “Use Your Noodle”

I don’t know about you but I love noodles. Now it isn’t my go to food when thinking about what shall we eat tonight as the option gets drowned out with other choices in my planning stage, but and it is a big but, when I do actually have them I really, really love them. So why does this dilemma exist there is a food I love but my thoughts do not offer it up as a solution to the daily what shall we eat conundrum. Well as it turns out it’s all about ideas regarding the different ways of preparing them, how do I know this you may wonder, I have a little helper in my corner 🙂 Parragon books sent me a “Use Your Noodle” cookbook and I am very grateful.

This cookbook is packed with yummy recipes from all over the world covering different types of noodles.

The cookbooks’ contents are split into four main chapters:

A Bird in the Hand – covering all your bird based noodles recipe

From the Farm – covering farm meats like pork or lamb

From the Sea – this part is packed with recipes requiring prawns, cod, tuna and all the other lovely types of fish

Veg Out – the last chapter is for all veggie lovers out there

After reading just a few pages, how easy they are and how amazing they look and taste noodles are on my mind.

In addition to lots of recipes, like all Love Food cookbooks I have had the pleasure to read, “Use Your Noodle” also contains a lot of useful hints and tips. My favourite is the “know your noodle” part.

Noodles Types as per “Use Your Noodle” by Parragon Books
In just two pages is an easy to understand explanation about many different types of noodles covering such wonders as:

Soba – mainly made from buckwheat flour and did you know the most popular noodles in Japan.

Ramen – this wheat flour noodle is generally treated as a comfort food and used in a variety of broth-based recipes.

Udon – generally thick and white, made with semi whole-wheat flour; they are light and very easy to digest.

Rice – they are made from rice flour and these are my favourite 🙂

Egg – made with wheat flour, water and eggs – they cook fast and are idea as all-purpose noodles.

As I said above the cookbook is packed with a great selection of recipes. As you would expect from Parragon books all the recipes have a clear indication of both preparation and cook times as well as how many people it will serve. Every recipe has a clear ingredients list and easy to follow cooking instructions and best of all you can see a full colour picture of the final dish so you know what you are aiming for.

I have a few favourite picks from the book.

Chicken Noodle Soup

Chicken Noodle Soup

Steak & Soba Noodle Salad Steak & Soba Noodle Salad

Udon Noodle Stir-Fry with Fish Cake & Ginger Udon Noodle Stir-Fry with Fish Cake & Ginger

Sichuan Noodles Sichuan Noodles

So now when I am out shopping I am always on the hunt for new and exciting noodle options as I plan to get myself a nice selection of noodles to cook with.

Do you like noodles?

What’s your favourite noodle dish.

Food Heroes: Use Your Noodle
ISBN 978-1-4723-6451-7
Published by Parragon Books Ltd in 2014
Part of Love Food
Number of pages: 128
RRP: £6
Paperback; perfect bound

*I received this book for free from Parragon as a part of my Book Buddy pack.
**All pictures in this post are from “Use Your Noodle” cookbook.

19 thoughts on “Parragon Book Buddy – Food Heroes “Use Your Noodle”

  1. I love noodles. It’s great that this book has a good selection is recipes, especially the veggie section for us veggies out there x

  2. Ooh I love noodles but hardly ever cook with them, I’m very tempted to get this book especially for the Steak & Soba Noodle Salad – that looks amazing!

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What do I do first?

Call us at 207-467-8110 or text us at 207-310-8834. You can also fill out the online contact form or send an email . We will speak with you and outline steps to begin the adoption process. Everything we discuss is private. We will help you decide if adoption is the right choice for you and your baby.

Where are you located?

Acadia Adoption Center is a Licensed Adoption Agency that works with expectant parents from all over the United States, and our office is located in the beautiful state of Maine. We work with a network of social workers, lawyers, hospitals, and other professionals all over the country who help facilitate the entire adoption process.

Does anyone have to know about my pregnancy?

Only if you choose to tell them. Any information that you share with us is kept completely confidential.

What about the birth father?

The birth father can be as involved in the adoption process as you would like him to be. An attorney will be provided – at no cost to you – to discuss his rights and options.

I’m worried about money. Can you help?

Yes, we can offer financial support and help towards some of your pregnancy-related living expenses such as rent, food, transportation, and maternity clothing, if needed.

When can I speak to someone at your office?

You can reach us any time – day or evening – at 207-467-8110. You can also send us a text message: 207-310-8834 or email us: .

Can I get counseling?

Yes, you will have access to counseling at no cost to you. We will work with you during the entire process of your adoption plan, to guide and support you with all of your questions and expectations..

What if I need to move?

If your current living situation is not working out for you, we can assist you when you relocate with rent, utilities, and travel costs.

Can I choose my adoptive parents?

Yes! You choose the family that fits the hopes and dreams you imagine for your child. Adoption has changed in so many amazing ways. Your child will know about you and the sacrifices you made in choosing adoption. You will have updates and pictures for the next 18 years, if and when you choose.

What happens after I have chosen my family?

Once you are matched with a family, you can continue to keep in touch with our office and with the adopting parents if you want to. Your case manager will also be available to help you with your adoption plan. It’s important that you feel well and strong, so you’ll take care of yourself by seeing your doctor regularly. As your delivery date approaches, you’ll meet with an attorney or social worker to go over the paperwork you will sign when the baby is born.

What happens at the hospital?

When you go into labor, you will call your case manager and your adoptive family. Your adoptive family will come to the hospital to meet you. If you need a ride to the hospital, we can make prior arrangements for you. After the baby is born, you will most likely remain in the hospital for 12-24 hours. The hospital social worker will meet with you to sign the birth certificate and any hospital forms. If you don’t have a ride home, we’ll arrange it. The baby will go home with the adopting parents right from the hospital.

Other questions?

Please call us now at 207-467-8110, or send us a message.


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Know Who We Are

About our company

Business Pioneers (BP) is a start-up company duly incorporated under the laws of Iraq (No.SH-02- 000012802) specialized in general trading, business management, and support with professional staff offering a wide range of high-quality client services from planning to post-project implementation and capabilities compete in the current market.

Our Services

Consultancy We provide high quality, professional consultancy for various fields across Iraq.

Our team of specialized engineers is ready to help you in all phases of your project. From conceptual design to project planning, our engineers will provide you with creative and cost-effective solutions.

With our well established professional and governmental relationships in Iraq, we are capable of facilitating each part of a project with comparative ease and efficiency.

We aim to improve the sector of business management and support through professional training using experts in the field and by offering a wide range of training courses from engineering to project management in order to equip emerging professionals with up to date knowledge and specific skill sets.

We are able to ensure that our high standards are met by following up with a project and providing post-project services led by our highly qualified site engineers and coordinators

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Tuesday, September 21just stupid entertainment

BlizzCon 2021 Canceled, Hybrid Event Rescheduled For Early Next Year

Like a host of shows and in-person gatherings and events this year, BlizzCon won’t be having a big event. While most shows have taken the digital approach this year, including the upcoming E3 and assortment of big summer game announcements, Blizzard is not having an event in 2021. However, there will be a show early next year.

In a blog post, executive producer of BlizzCon Saralyn Smith said that a global event is being planned for the early part of next year. “But we don’t want to let too long go by before we connect with everyone again,” said Smith. “So in the meantime, we’re planning a global event for the early part of next year, combining an online show along the lines of our recent BlizzConline with smaller in-person gatherings, and we’ll share more as our plans come together. Check out the entire announcement post here.

Reasons mentioned regarding the show are, unsurprisingly, COVID related. While the end may hopefully be in striking distance at this point as restrictions are slowly lifted and vaccination numbers climb, event planning is a lengthy process with many moving parts that takes an incredible amount of planning and execution. Uncertainties remain regarding the pandemic, and until those are gone, events (not just BlizzCon) are in flux. Personally, I can’t wait for in-person events to resume in some fashion, but I’m also cognizant of the tremendous amount of preparation and planning that go into these events, so I’m not anticipating a real return to convention-land until next year.

Unfortunately, the language used in Smith’s post also doesn’t give much confidence that a full-fledged traditional BlizzCon will be happening as the early 2022 event, but let’s wait and see what happens.

Have you ever been to BlizzCon? Were you hoping it would return this year? Do you crave the return of gaming conventions? Does none of this impact you at all? Let us know in the comments!

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Wednesday, 26 February 2020

Life is Full of Beauty, by Ros Aggett-Madley

Hi everyone,
today I'm sharing a tiny, tiny canvas, tiny like 10 cm tiny.

I started with a coat of White Heavy Gesso.  Once dried I've added a wash or water and Peacock Colour Shimmer Dust.  I wanted quite a pale background, so while it was still wet I have swiped across the surface with a paper towel.

Next I added some stamping with the Geo Grunge stamp set, making sure not to forget to do some of the edges.
 To add some texture to my background, I mixed some molding paste with Deep Water Mica Powder.  This has been used with the Scripted Stencil and then randomly spread over the surface with a palette knife.
While the paste was still wet I have sprinkled the top with some distress glitters, fairy dust and micro beads.  I left this overnight to dry.

I made a flower and some leave with paper clay and painted these with Shimmer Dust and water.  I stated with the lightest colour, Peacock, then in some of the grooves added Cobolt.  The Midnight was painted with a fine brush just around the top of the petals.

The leaves were painted the same, a layer of Paris and then some Lush.  While the leaves were still wet, I dropped a little of the Midnight and water mix onto them and this flowed down into the grooves.

Over the black edging i have added some Antique Shimmer Pen with a little Clear Shimmer Pen to the leaves.

Hope you've been inspired 💙

  1. So cute, thank you for sharing your mini canvas with us Ros <3


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Tuesday, November 2, 2010

Soccer Game in the Village in the RAIN!

With our student travel groups that want to get a taste of the culture we always suggest a night or two in our Sitio de Mata Project. The stay is amazing and one of the highlights is the soccer game play with the locals of Sitio de Mata. Take a look at just how fun a soccer game can be in the pouring rain:

Student Travel Costa Rica
Costa Rican Resource
US 352 694 3462   CR  +506 2266 1559

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August 1, 2012

Uneven Bars

Last night, I watched U.S. female gymnasts win Olympic gold in the team competition. I have long enjoyed these competitions with a combination of appreciation and amazement. The balance beam has always seemed the scariest apparatus, but performances on the uneven bars invariably have proven to be the most exciting events.

Like many others, I’m sure, I fell in love with the uneven bars when I saw Nadia Comăneci’s perfect 10 performance at the 1976 Summer Olympics in Montreal. (See video below) I’ve noticed, however, that both performances and the bars themselves have changed over the years. Performances have become much more athletic and jaw-dropping—this is particularly true of dismounts—and the bars have been moved farther apart. This latter change has made some moves impossible, but it has enabled others.

Nadia Comăneci’s perfect performance at the 1976 Montreal Olympics.

I am hardly a gymnastics expert, so I recommend that anyone as fascinated by the uneven bars as I am to read the Wikipedia article on the apparatus. For a more visual illustration of the evolution of performances on the uneven bars over the years, I recommend viewing the video below.

The Uneven Bars Evolution: 50s – 2010.

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Data breach victims may not get directly notified

This article from discusses the various reasons why victims of a data breach ( and Heartland are the most recent) may not get direct notification of the breach.

With 45 states having distinct data-loss disclosure laws, I believe it's time to level the playing field and establish a preemptive federal data-loss disclosure law that would apply throughout the US.

Src: Data-theft victims in Monster, Heartland cases may not be notified |

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Where is the U.S. Navy Going To Put Them All?

Part 1: More Drones Please. Lot’s and Lot’s of Them!

Guest Post by Jan Musil
AORH class jpeg
Sketch by Jan Musil. Hand drawn on quarter-inch
 graph paper. Each square equals twenty by twenty feet.
Recent technological developments have provided the U.S. Navy with major breakthroughs in unmanned carrier landings with the X-47B. A public debate has emerged over which types of drones to acquire and how to employ them. This article suggests a solution to the issue of how to best make use of the new capabilities that unmanned aircraft and closely related developments in UUVs bring to the fleet.
The suggested solution argues for taking a broader look at what all of the new aerial and underwater unmanned vehicles can contribute, particularly en masse. And how this grouping of new equipment can augment carrier strike groups. In addition, there are significant opportunities to revive ASW hunter killer task forces, expand operational capabilities in the Arctic, supplement our South China Sea and North East Asia presence without using major fleet elements and provide the fleet with a flexible set of assets for daily contingencies.
These sorts of missions provide opportunities for five principal types of drones. Strike, ISR and refueling drones as winged aircraft to fly off fleet platforms, UUVs and the Fire Scout helicopter. So we have five candidates to be built, in quantity, for the fleet. Let’s examine each of the suggestions for what they should be built to accomplish, what sort of weapons or sensors they need to be equipped with and what doctrinal developments for their use with the fleet need to happen.
Strike drone
The current requirements are calling for long range, large payload, and the ability to aerially refuel and are to be combined with stealth construction techniques for the airframe, even if not stealth coated. These size and weight parameters mean this drone will require CATOBAR launching off an aircraft carrier’s flight deck. Which also means it will be supplementing, and to some extent replacing, the F-35C in the air wings for decades to come. The merits of how many strike drones versus F-35Cs, and the level of stealth desired for both, will be an ongoing debate for the foreseeable future.
Given that a strike drone built with these capabilities will be tasked with similar mission requirements to the F-35C, we will assume for now that the weapons and ISR equipment installed will be equivalent, if not exactly the same as the F-35C. This implies that whatever work the U.S. Navy has already done in developing doctrine for use of the long range strike capacity the F-35Cs brings to the fleet should only need to be supplemented with the addition of a strike drone.
It is worth remembering that while these drones are unmanned, since they are CATOBAR they will still require sailors on deck to move, reload and maintain them. Sailors who also need a place to eat, sleep, etc.
And the carriers are already really busy places. However welcome the strike drone winds up being, there is not going to be enough room on the carriers to be add even more equipment. Therefore each drone will be replacing something already there, both physically within the hangar bay and financially within the Navy’s budget.
ISR drone
Most of the current public discussion surrounding an ISR equipped drone is rather hazy about what sort of sensors, range and weapons, if any, are wanted. However, the philosophical debate over mission profile, including a much smaller size, localized range requirement and the presumed emphasis on ISR tasks is revealing. The key points to concentrate on for such a drone are the suggested set of missions to be conducted by an arc of ISR drones around a selected location, sensor and networking capabilities, range and durability requirements and a limited weapons payload.
The traditional use of aerial search capabilities onboard a carrier task force was over the horizon, well over the horizon thank you very much, locating of the opponents surface assets. Over the years the extended ranges of aircraft and the development of airborne ASW assets changed the nature of the search and locate mission and the assets being used to conduct it. Adding space based surveillance changed things once more. The coming improvements in networking and data processing capabilities inside a task force, a steadily rising need for over the horizon targeting information coupled with the need to function within an increasingly hostile A2AD environment has once more altered the requirements of the search and locate mission. Search and locate essentially has become search, locate, network and target.
Being able to fund as well as field large numbers of anything almost always means keeping it smaller, and deleting anything not strictly needed beyond occasional use is an excellent way to accomplish this. For the ISR drone, not arming it with anything beyond strictly self-defense weapons is an excellent way to keep size and costs down. Since the primary missions of the ISR drone will be the new search, locate, network and target paradigm, concentrating funding on those capabilities is an excellent way to limit both development and operating costs.
Particularly since putting a large number of the drones, each capable of at least 24-30 hours on station, supplemented by refueling, in an arc around a task force in the direction(s) of highest concern means that the Super Hornets of the fleet can largely be freed from the loiter and defend mission and return to being hunters.
Since I am assuming the railgun will also be joining the fleet in large numbers some discussion about the range of the search, locate, network and target arc suggested above as it relates to the railgun is in order. The publicly disclosed range of the railgun is 65 miles, so an arc of ISR drones needs to be farther out from the task force than that, quite some way beyond that to provide time to effectively network location and target data developed back to the shooters. In the anticipated A2AD environment the primary threat is very likely to be a missile, mostly subsonic but the potential for at least some of them being hypersonic exists. Therefore, the incoming missiles or aircraft will need to be located, networked information sent to the surface assets armed with railguns and the targeting information processed quickly enough that the bars of steel launched as a result will be waiting for the incoming missile at 65 miles. Precisely how far out beyond the railguns effective range the arc of ISR drones will need to be will almost certainly vary by circumstance and the nature of the opponent’s weaponry. Nevertheless, whether subsonic or hypersonic, missiles move rapidly and this means an effective arc of ISR drones will have to be a long distance out from the task force. The farther out the arc is, a higher number of drones will be needed to provide adequate coverage.
This implies a need for a minimum of 6-8 ISR drones on station, 24/7, in all kinds of weather. Since there are inevitable maintenance problems cutting into availability time, this implies a task force will need take twice that number to sea with it. Particularly if a second arc of two or three ISR drones is maintained just over the horizon, or simply overhead. This inner group can also provide local networking abilities for the ASW assets of the task force. Having at least one ISR drone close in to provide a rapid relay of information around the task force by its sub hunters should also be planned for as a doctrinal necessity.
This arc of ISR drones is a wonderful new capability to have, but…., but fifteen drones are not going to fit on a CVN. Not when an essentially equivalent number of something else needs to be removed to make room for the newcomers. Our carriers are packed as it is with needed airframes and trading out fifteen of them from the existing air wing is not going to happen.
Nor is there room elsewhere in the fleet. The CCGs and DDGs have limited space on their helo decks, but even if the new ISR drone were equipped with the modified VTOL engine from the Osprey program, there still wouldn’t be space for more than a few of them. Once more, it is a case of needing to take something out of the fleet to put the new capability in.
This means we have to build a new class, or classes, of ships to operate and house the quantities of drones desired, including operating space, hangar and maintenance space and sailor’s living spaces.
Refueling drone
A drone primarily dedicated to the refueling mission takes on another of the un-glamorous, but unending tasks involved in operating a task force. Instead of the proposed return of the S-3 Vikings as tankers, a somewhat larger drone can be designed from scratch to be a flying gas station with long range and loitering times, presumably with vastly more fuel aboard and built to only occasionally load weapons or sensors under the wings. It could have ISR capabilities or ASW weapons slung under the wings as distinctly secondary design characteristics. In understanding when to use manned versus unmanned systems obviously any extra weight and space gained by losing a cockpit allows for more fuel carried, longer loitering times and extra range. These advantages need to be balanced against the occasional need for a pilot’s skills on scene.
As for the UUVs in development, much has been made of their ability to dive deeply and search for things as well as their ability to autonomously operate far out in front of a task force, including the possibility of submarine launched missions. While interesting a more incremental use of the roughly six feet long torpedo shaped UUV currently in use for deep diving missions might be more appropriate.
While we wait on further research developments to establish ways to effectively utilize a long range, long duration UUV reconnaissance drone, a more mundane use of what we have right now can readily be used for ASW purposes. We could equip a six-foot UUV with the sensors already in use for ASW purposes and cradle it in open sided buoy in order to hoist the UUV in and out of the water. This buoy could be used over the side, or far more usefully, launched and recovered by helicopter. Wave and say hello Fire Scouts.
Fire Scouts
Any helicopter asset that the U.S. Navy has can be used of course, but without a pilot aboard the Fire Scouts are much better suited for the long hours required to successfully prosecute ASW. Taking off with the UUV cradled inside it’s buoy, the Fire Scout can deploy the buoy, allow the tethered UUV to swim to the thermocline or other desired depth, hover while allowing the UUV to transmit or simply silently listen, wait for the resulting data that is collected to be reported via the tether and broadcast by an antenna on the buoy and then once the UUV has swum back into it’s cradle within the buoy, drop back down and relift the buoy and move it to the next needed position. This redeployment can be hundreds or thousands of yards away at the mission commander’s discretion. This cycle can be repeated as many times as wanted or fuel for the Fire Scout allows. A difficulty that can be resolved aboard the nearest surface ship with a helo deck, leaving the buoy drifting in place, UUV on station and transmitting as refueling takes place. Shift changes by pilots should not materially interrupt this cycle. The most likely limitation that will force the Fire Scout to lift buoy and UUV out of the water for return aboard will be the exhaustion of the power source aboard the buoy being used to operate the reel for the tether and broadcast the data collected to an overhead airframe. Which just happens to be another use for the ISR drone or a ScanEagle.
In the next article we will examine how the Navy can make profitable use of UUVs and buoys, deployed and maneuvered across the ocean by the Fire Scout helicopter, in quantity, in pursuit of the ASW mission.
Reprinted with permission from the Center for International Maritime Security.
Jan Musil is a Vietnam era Navy veteran, disenchanted ex-corporate middle manager and long time entrepreneur currently working as an author of science fiction novels. More relevantly to CIMSEC he is also a long-standing student of navies in general, post-1930 ship construction thinking, and design hopes versus actual results and fleet composition debates of the twentieth century.

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The ‘Animal Elimination Problem’

Are vegetarians being cruel to animals? In the sense that they might be contributing to the ‘Animal Elimination Problem’ (i.e. as a result of their refusal to eat them, are they denying as yet unborn bred-for-food animals the right to a life)? Such problems have been examined by top-of-his-class Professor Stephen H. Webb (Wabash College, Crawfordsville, Indiana, USA). His latest article : ‘The Chicken and the Bath Water: Exploring a Basic Limit to the Vegetarian Ideal’ (to be published in the journal The Expository Times, September 2012) explains how :

“If animal rights activists were to become successful in spreading their message, thus making vegetarianism the global diet, they would succeed in substantially decreasing the number of animals in the world. In the name of helping animals they would end up bringing far fewer animals into existence.“

More reading from Professor Webb:

‘Against the Gourmands: In Praise of Fast Food as a Form of Fasting‘.

‘Theology from the Pet Side Up: A Christian Agenda for NOT Saving the World‘.

Also see (though not from Professor Webb) ‘Mincing vegetarians rather than words‘.

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Tuesday, 25 March 2014

Borneo Jazz 2014 | Early Bird Tickets Offer | Sarawak

The early bird offer will expire 31st March 2014. In addition to the online ticket vendor, there are ticket outlets which may be nearby your location.The offer ranges from RM15 (1-day child) to RM55 (2-day Adult).

If you are living in Brunei Darussalam, the ticket outlets are MegaBorneo Tour Planner, Pan Bright Travel Service and Century Travel Center Sdn. Bhd.

For those living in Bekasi and Bali, Indonesia, the outlets are Destination Sabah Sarawak Indonesia representative office and Pan Bright Travel Service respectively.

Pan Bright Travel Service, Kota Kinabalu, Sabah is the appointed festival ticket outlet.

Sarawakians can check out their nearest outlets here.

About Borneo Jazz Festival
The 2014 will be the ninth (9th) edition and it is held in Miri, Sarawak.  This year, the performers are JunkOFunc (Malaysia), Vocal Sampling (Cuba), Brassballett (Germany), Mario Canonge (Martinique), Iriao (Georgia),  YK Samarinda (Indonesia) and Diana Liu (Malaysia).

Sarawak Malaysia Borneo... where adventure lives

Thursday, 6 March 2014

Sarawak Specials at MATTA Fair 2014 | Kayo- Kayo Packages

The interesting packages ranges from Sarawak Malay Heritage to Sibu Melanau Heritage tour. For the cyclists, there are the Heritage and Culture Ride and the Classic City Ride package.

Sarawak is about adventure. Immerse in the unique Lost World Adventure experience in the Padawan Highlands or combine scuba diving with caving adventure. One package is called Oil Town Underwater World and Caving Adventure with Homestay Experience whilst another is simply called Caves, Caves and More Caves.You can purchase these and more at the Sarawak Tourism Booth from our nine (9) consortium partners.

They are:

  1. Borneo Exploration Tours and Travel Sdn Bhd,
  2. Brighton Travel & Tours Sdn Bhd,
  3. Ecogreen Holidays Sdn Bhd,
  4. Gotravel Holiday Sdn Bhd,
  5. Greatown Travel Sdn Bhd,
  6. Ibanika Tours & Travel Sdn Bhd,
  7. Kuching Holidays & Car Rental Sdn Bhd,
  8. Planet Borneo Tours & Travel Services Sdn Bhd and
  9. Journey Travel Agencies Sdn Bhd
To extend the value of your purchase, you will stand a chance to win tickets to Rainforest World Music Festival, Borneo Jazz or Asia Music Festival. Naturally, this offer is only given during the fair.

Here are some samples of the Kayo-Kayo Sarawak packages.

MATTA Fair March 2014 | Kayo-Kayo Sarawak Packages

MATTA Fair March 2014 | Kayo-Kayo Sarawak Packages Cycling Tour

MATTA Fair March 2014 | Kayo-Kayo Sarawak Packages for Kuching and Miri

MATTA Fair March 2014 | Kayo-Kayo Sarawak Packages for Sibu

2014 is Visit Malaysia Year campaign. Incidentally it is also Visit Sarawak Year, proclaimed to celebrate the state's 50th Anniversary of Independence with Malaysia. 'Kayo Kayo'  means 'wandering' in the Malay language. Sarawak wants to welcome you. But first wander over to see us at MATTA Fair March 2014, Putra World Trade Centre, Kuala Lumpur, Booth No. 3014 - 3018 from the 14th to 16th March 10am - 9pm


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Sending a DKIM Signed Email from C#

First off this code is intended to be instructional only! Yes it is possible to send a DKIM email from .net’s SmtpClient. But there are a few hacks/warnings to go with the following code. I’m pretty sure DKIM is designed for signatures to be added by the STMP server. All the emails I’ve seen with […]