Measuring the Effectiveness of Foreclosure Assistance Programs

first_img The Best Markets For Residential Property Investors 2 days ago  Print This Post The Week Ahead: Nearing the Forbearance Exit 2 days ago Subscribe in Daily Dose, Featured, Foreclosure, News According to Boston Mayor Marty Walsh, foreclosures in his city have dropped to a 17-year low, due in part to city-wide programs, WCVB reports.”I’m proud that through our work with homeowners, we have been able to reduce the number of foreclosures in Boston, and keep more families in their homes,” Walsh said. “These results show that our programs and policies to prevent foreclosures and evictions are working. Housing stability is vital to ensuring Boston has strong neighborhoods and communities, and I want to thank the leadership and staff of the Boston Home Center and all of our provider partners who work so hard for Boston’s homeowners every day.”Since 2019, the number of foreclosures executed against owner-occupant homeowners in Boston dropped from 35 to 17 year over year.Foreclosures in Boston are heavily concentrated in black neighborhoods, according to the Joint Center for Housing Studies of Harvard University (JSHS), as over 80% of Boston’s foreclosures occured in just five of the city’s 15 planning districts, which make up just 30% of Boston’s housing units.“Compared to the city as a whole, the high-foreclosure block groups were, on average, home to about half as many whites and twice as many blacks,” said David Luberoff, Deputy Director of the JSHS. “However, high-foreclosure block groups were not the city’s most disadvantaged areas, which have large numbers of publicly subsidized housing units that are not likely to be subject to foreclosure.”According to Jackelyn Hwang, Assistant Professor of Sociology at Stanford, corporations were more likely to resell previously foreclosed properties to other investors and have reported maintenance issues against them. With this in mind, Hwang’s study alleges that “predominantly black neighborhoods hit hard by foreclosures in Boston were left further behind in the recovery from the housing crisis compared to other hard‐hit neighborhoods. Servicers Navigate the Post-Pandemic World 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. About Author: Seth Welborn Measuring the Effectiveness of Foreclosure Assistance Programs Related Articles Home / Daily Dose / Measuring the Effectiveness of Foreclosure Assistance Programscenter_img Share Save Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Tagged with: Foreclosure February 11, 2020 1,299 Views Previous: South Beach Blues: Miami’s Delinquency Rate Nears 6% Next: Mortgage Debt Increases in Q4 Data Provider Black Knight to Acquire Top of Mind 2 days ago Foreclosure 2020-02-11 Seth Welborn Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days agolast_img read more

The next Google

first_img <a href=”https://www.youtube.com/watch?v=9-154kFb0BM” rel=”nofollow” target=”_blank”> <img src=”https://img.youtube.com/vi/9-154kFb0BM/0.jpg” alt=”0″ title=”How To Choose The Correct Channel Type For Your Video Content ” /> </a> How does our educational system prepare the next generation of students for living and working in the digital age? Try giving out free pizza.Learning to use analytical skills to measure and solve problems is an essential life skill in the coming era, one that every major university should be — but isn’t necessarily — teaching students, said Eric Schmidt, Google’s longtime CEO, and now its executive chairman. All that would be needed to jumpstart that process is to gather smart young people interested in entrepreneurship in a room together for pizza and get them talking to each other.“Because that’s how people learn,” he said. “The sense of being in the middle of something great is hugely motivating to people who want to start new things.”In order to create another “hive of knowledge” like Silicon Valley, cities need to reproduce key elements that seem to make everything work, like a stable base of venture capital, weak employment contract laws, a culture of sharing, and a steady supply of very smart people flowing in and out, said Schmidt. But it’s a tall order.“Here in Cambridge, we have some of the smartest people in the world … If I can be critical for a sec: Why have you guys not produced the equivalent of Twitter, Facebook, Google, and so forth? I don’t know,” he said. “So there’s an action item for you.” His comments reflected the corporate reality, though the key founders of both Microsoft and Facebook were former Harvard College students.Schmidt’s remarks came Thursday evening during a wide-ranging talk about leadership, innovation, and entrepreneurship at the Harvard Kennedy School (HKS), a session sponsored by the Institute of Politics with moderator David Gergen, co-director of the Center for Public Leadership, and an introduction by HKS Dean David Ellwood.Schmidt defined entrepreneurs as confident, often young visionaries able to see what others cannot and who neither suffer fools gladly nor want for self-confidence.“We need to celebrate these people, we need to find them, and if you’re not like that, you need to befriend them because you’re going to work for them, so be nice to them,” he told students. He said they also don’t wilt in the face of adversity.“The successful entrepreneur doubles down, fights harder, leads harder, challenges harder, and eventually wins. The unsuccessful entrepreneur gets scared, gets tentative, loses confidence, falls apart,” Schmidt said. “That’s the difference between $1 billion and zero.”A C-level executive at Novell and Sun Microsystems before joining Google in 2001, Schmidt said the key to leadership, besides a sense of humor, a taste for risk, and a tolerance of failure, is to surround yourself with bright people and let them create.“I think it’s important that you recognize that you’re not actually doing the work that other people are, that your job is to understand what they’re doing, to get the strategy right and empower them. Most of the problems that companies get into … is the failure of strategy,” he said, adding, “The job of a leader is to call back and say: What are we going to do about this and keep people’s noses to fixing it.”Schmidt challenged HKS students to solve the nation’s employment problem as a pathway to relieving a host of other societal ills, such as crime and health, and he urged those studying foreign policy to apply mathematical laws used frequently in the digital world to identify and reconsider the connection and relationships within a handful of centers around the world.Taking to task what he termed the inefficiencies of most nonprofits and NGOs, Schmidt called for more innovation.“The thing I would tell you about nonprofits is that they’re full of extremely well-meaning people who need to build things,” he said, referring to online platforms that can deliver services. “There’s so much waste in the philanthropic world because they don’t measure their outcomes. We’ve asked them the basic questions. How many of this did you save? How much of this? And they can’t answer them. That’s an indication of poor management in need of better tools.”Eric Schmidt in conversation with David Gergenlast_img read more

Donegal dumper Jim Ferry is jailed

first_imgDonegal waste collector Jim Ferry has been jailed for contempt of court.The businessman was sentenced to nine weeks’ imprisonment following an appearance in the High Court on Wednesday. The Irish Times reports that Mr Ferry was jailed for failing to comply with court orders granted to Donegal County Council in their case against him over illegal dumping.Mr Ferry, of Ferry’s Refuse Collection Limited and Ferry’s Refuse Recycling, has admitted to dumping tens of thousands of tons of waste at Rossbracken outside Letterkenny.  Donegal County Council is seeking to recover a multi-million euro figure from Mr Ferry to clear up the illegal waste from the site. Mr Ferry has previously told the High Court he is broke and unemployed.Donegal County Council has employed a forensic accountant to analyse where the money from Mr Ferry’s businesses has gone, but he has failed to comply with the investigation.Read more at: https://www.irishtimes.com/news/crime-and-law/courts/high-court/businessman-jailed-for-nine-weeks-for-illegal-dumping-in-donegal-1.3938502Donegal dumper Jim Ferry is jailed was last modified: June 28th, 2019 by Staff WriterShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:jim ferrylast_img read more

A Media Bias Sampler

first_imgSupport for conservatism in secular science media is as rare as a true transitional form in the fossil record.Whenever mainstream journals or leading science news sites touch on political or philosophical issues, the slant is predictable. Conservative positions will be discredited, explained away, or mocked—that is, if they are mentioned at all. Recent examples below.Three cheers for atheism. On Live Science, Clara Moskowitz gives a pulpit to atheist Sean Carroll of Caltech to explain his views on meaning in nature in a “Godless Universe,” helping him sell his new book on cosmological naturalism, The Big Picture, in the process. Barry Loewer also gives Carroll good press at Science Magazine. “He sets out to show how various phenomena, including thought, choice, conscioussness, and value, hang together with the scientific account of reality that has been developed in physics in the past 100 years,” Loewer swoons. “He attempts to do all this without relying on specialized jargon from philosophy and physics, and succeeds spectacularly in achieving both aims.”Whitewashing history: Sigmund Freud has a largely bad reputation in science. He invented words and concepts that have not stood the test of time; his methods were unscientific if not fraudulent; and his practice of “psychoanalysis” abused women by calling them “hysterical” as if that diagnosis had any meaning. Nevertheless, perhaps because he was a staunch follower of Darwin, he got kid gloves treatment in Live Science by Alina Bradford, who only mentioned that his ideas are “controversial.” She gives the last word to a Freudian.Obamacare: Watch a conservative video about six broken promises of Obamacare. Then read a Medical Xpress report claiming that doctors want more of it. One group of doctors wants to take this system, built on lies and promises that didn’t come true, and extend it into a single-payer system managed by government (i.e., socialized medicine)—something conservatives warned was the ulterior motive from the start. The article quotes an editorial by one side but no rebuttal from any conservative leader. The article mentions socialist Bernie Sanders favorably.Toying with embryos: Now that researchers kept a human embryo alive in a petri dish for 13 days, secular scientists want to extend the internationally-accepted limit of 14 days. Nature is leading the charge with “Revisit the 14-day rule.” In another Nature piece, David Cyranoski points out that “Stem-cell scientists attempt to fend off the need for government regulation that could impede research.” Scientists want to regulate themselves, but ethics gets short shrift.Assisted suicide: Is California ready for physician-assisted suicide? Medical Xpress calmly discusses the new law about to go into effect June 9. The focus of the article is allaying fears that the law might be misused. At Evolution News & Views, however, Wesley J. Smith, speaking from long experience, warns that “the culture of death brooks no dissent.”Spanking: Views on corporal punishment of children differ among conservatives, but one can be sure liberals will always portray it as child abuse, no matter what Solomon said about discipline with the rod. Science Daily‘s coverage is a case in point: “Risks of harm from spanking confirmed by analysis of 5 decades of research.” Who did the research? Evolutionary psychologists.Reductionist values: What is love? Just a chemical reaction with survival value brought about by natural selection, say evolutionists. Human love differs only in amount, not in kind, perhaps. That’s the view promulgated on The Conversation by evolutionary psychologist Gayle Brewer, whose headline postures her as an authority figure: “What is love? Here’s the science.” It’s not a many-splendored thing in her view. She enters her just-so story trance: “Romantic love may serve an important evolutionary function, for example by increasing the level of parental support available to subsequent children.”_______________In considering leftist viewpoints, it’s important to look back at where they led in history. National Geographic published “long-hidden photos of China’s Cultural Revolution” taken by a brave photographer.Photographer Li Zhensheng had a unique view of China’s Cultural Revolution—a chaotic period of purging and punishment that began on May 16, 1966, and lasted in different phases until Communist Party Chairman Mao Zedong’s death 10 years later.Li was working for a newspaper in Heilongjiang Province at the time, and the job allowed him to take state-approved pictures of Mao’s campaign without fear of harassment. He later hid the negatives under his floorboards in case government officials ever came looking for him. And they did. In 1968, the government accused him of “counterrevolutionary” activities and raided his apartment.If officials had found the negatives, they likely would have destroyed them. But the images remained hidden under the floorboards, and Li continued to protect them through the years. Today, his remarkable photos have toured the world and been published in a book.Here, we present mosaics of Li’s images, which show the incredible scale of the Cultural Revolution.The photos are haunting: peasants en masse paying homage to the powerful image of Mao, hoping for an improvement in their poverty, while knowing that failing to show enthusiastic support could mean imprisonment or death. One caption quietly mentions, “Millions of people were killed, injured, or imprisoned during the revolution” — 77 million, to be precise (see 11/30/05).Nazism is sometimes portrayed as right-wing, but in actuality, Hitler’s big-government, totalitarian state had more in common with communist dictatorships than with anything resembling American values (capitalism, liberty, natural rights and limited government). Stephanie Pappas at Live Science continues that distortion in her piece on “How Adolf Hitler Rose to Power and Seduced Germany.” She also fails to mention his devotion to Darwin, which historian Richard Weikart has documented in detail. Instead of focusing on the ideas that motivated him, Pappas portrays him as an obscure person whose rise to power was almost determined by political circumstances. What he did to millions of people, though, is a matter of historical record. Hitler is the epitome of evil to the modern western mind. You won’t find the word in her article.If you can provide examples of secular scientists promoting conservative values, we’ll be happy to share them. The exceptions prove the rule: week after week, we find secular news services portraying scientists and their reporters as objective truth seekers, but it’s only a mask for leftist ideology. Darwin leads to denial of God (and objective moral standards). That leads to materialism, atheism, moral relativism, leftism, utopianism, oppressive government, and ultimately, to serfdom and even democide.If one believes we are made in the image of God, endowed with unalienable rights, accountable to a Creator, with a purpose on earth to love God and our neighbor as ourselves, yet knows we are each fallen and in need of redemption, the difference in worldview could hardly be more opposite. A steady diet of mainstream media can lead to a highly distorted view of the world.Thank goodness the internet has opened up channels for news and views censored by the mainstream media. Here are a couple of daily podcasts we can recommend: ID the Future from the Discovery Institute, Washington Watch from the Family Research Council, The Briefing by Al Mohler. I listen to these on my daily health walks. For conservative news, you might check out WND and Breitbart News. (Visited 33 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more

South America: Mr. Trump, we haven’t devaluated our currency on purpose

first_imgShare Facebook Twitter Google + LinkedIn Pinterest Last week, President Trump tweeted that he would restore tariffs on all steel and aluminum that Brazil and Argentina export to the United States. He would do that because, according to his tweet, the two South American countries “have been presiding over a massive devaluation of their currencies”, which is “not good” for American farmers.He is right. The devaluation of the Brazilian real and the Argentine peso really is a bummer for American farmers. It makes producers in those countries happy with the price received for the products they ship, and that spurs farmer selling. At the same time, prices in U.S. dollars paid by importers don’t necessarily climb – sometimes they even fall, making South American exports more competitive when compared to products shipped by the United States.A metric ton of Brazilian soybeans priced at $350 FOB Santos, for example, equals to BRL1,050 when the Brazilian real is at BRL3 to the dollar. The same $350 becomes BRL1,400 when a swing to BRL4 occurs. Even with an unchanged price in U.S. dollars, Brazil receives 33 percent more for its soybeans just because of currency devaluation.Since the beginning of 2019, the Brazilian real lost 7 percent of its value against the U.S. dollar. In late November, it hit a fresh new low at BRL4.27 per dollar. In Argentina, the devaluation reached 62 percent in the same period and now the peso is around ARG58 to the dollar. And why did that happen? Have Brazil and Argentina’s governments devaluated their currencies on purpose, as President Trump suggested with his tweet?In this particular case, Mr. Trump is wrong. Neither Brazil nor Argentina has done anything to artificially weaken their currencies. We are not that competent. But thank you anyway for overestimating us, sir.In Argentina, a serious economic crisis and a political swing that resulted in the election of center-leftist Alberto Fernandez to the presidency of the country, after four years of conservative incumbent Mauricio Macri, are the main reasons behind the massive devaluation seen in 2019, since foreign investors believe that Fernandez will not be able (or will not be willing) to conduct any kind of market-friendly reforms to the economy.The currency devaluation has helped Argentina’s agricultural exports, which are also buoyed by fears that the new president (whose vice-president is former president Cristina de Kirchner, farmers’ worst nightmare) will raise export taxes for soybeans, corn and wheat as soon as he takes office this Tuesday, Dec 10. But, despite giving a hand to Argentina’s exports, a very weak currency is not exactly a good thing to an economy which has been in such a fragile position. So, no, Argentina has not intentionally devaluated its peso.And what about Brazil? After the election in late 2018 of President Jair Bolsonaro, recently described by The Wall Street Journal as a “rainmaker” for the economy, odds were that the Brazilian real would get stronger. This year, however, a series of factors that include lower interest rates (to stimulate business and create jobs), an overall strength of the U.S. dollar against other currencies such as the euro, the effects of the trade war between the United States and China, the economic crisis in Argentina and political unrest in some other South American countries, contributed to the devaluation of the Brazilian real.The weaker real has helped Brazilian agricultural exports. But the country’s exports are in good shape this year mainly because of the trade war (which makes China buy more Brazilian soybeans) and the fear that the United States would have a crop failure after a way too rainy planting season – which made traditional importers such as Japan, Korea and Vietnam buy Brazilian corn.Brazil is not likely to retaliate the United States if President Trump really goes ahead with the threat of raising tariffs on steel and aluminum exported by Brazil. That would be a setback for the sector, since the United States is the main destination of Brazilian steel. But targeting the metal sector would not have any effect on Brazilian agricultural exports and would not have any compensatory effects for the American farmer. What farmers in the United States, Brazil and Argentina need is a healthy trade environment that allows them to export their products as fair competitors and, above all, as allies in the mission of feeding the world.last_img read more

Can Atmospheric Combustion Work in a Spray-Foam-Insulated Attic?

first_imgLet’s say you bring the attic inside the building enclosure by putting spray foam insulation at the roofline (the case with the two furnaces in my previous article on this topic). Now, let’s put some numbers to it. (Yes, we’re going to do math, but it’s just simple arithmetic. I know some of you were hoping for partial differential equations, but you’ll just have to console yourself today by memorizing some more digits of Pi, I guess.)If the attic has a floor area of 800 square feet and an average height of 4 feet, for example, the volume would be 3,200 cubic feet. Divide that number by 50 to find the maximum capacity appliance you could put in the attic, and you get 64,000 BTU/hr.That would be a medium-sized furnace. But you could put only one in this attic. Put two of them up there, and the codes say you don’t have enough air for them. And an 80,000 BTU/hr or 100,000 BTU/hr furnace, neither of which is uncommon in homes, would be right out.One way to get more volume of indoor air for your atmospheric combustion appliances would be to connect the space they’re in to other spaces in the home. You could put a couple of grilles in the wall separating a mechanical room from the conditioned space, for example. The codes specify how you should do that and how big the openings have to be.Another way to get more air is to count infiltration. Again, check the codes if you’re planning to do that. Another method specified in the code is to use a single opening. The image at left shows a basement mechanical room attempting to satisfy the code requirement this way.With both the high-low vents and single opening methods, the building codes specify the amount of vent area required. As with calculating volume when you use indoor air, the vent area required is based on the total capacity of the combustion appliances.Here are the rules for the two-permanent-openings method:1 square inch per 4,000 BTU/hr  –  vertical ducts1 square inch per 2,000 BTU/hr  –  horizontal ductsWhen using the one-permanent-opening method, you need:1 square inch per 3,000 BTU/hr  –  vertical or horizontal ductHow many code violations do you see?Now go back and look at the two photos I opened the article with (at the top of the page). Both use the one-permanent-opening method and would require 1 square inch for each 3,000 BTU/hr of capacity. The first one is a 4-inch-diameter duct, so the area would be about 12.6 square inches. Code would allow it for a maximum capacity of about 37,700 BTU/hr. In other words, it’s probably too small because there aren’t many furnaces that small.There’s still the issue of the tape covering the louvers, of course. And there’s another code violation as well. Combustion air vents are supposed to have a minimum clearance of 6 inches from the front of the combustion appliance.The furnace in the second photo comes closer to meeting code. If it’s a 6-inch duct, it would have an area of 28 square inches and meet the requirement for an 84,800 BTU/hr furnace. If it’s an 8-inch duct, it could meet the requirement for about 150,000 BTU/hr in total capacity. It still doesn’t meet the 6-inch clearance requirement, though.But will it work?Whether any of the methods above will work is debatable and depends on what criteria you use to gauge acceptability. Here are a few pitfalls:Using indoor air still means using outdoor air. Each cubic foot (or cubic meter) of indoor air that gets pulled into a combustion appliance will leave the house with the exhaust gases. When that happens, another cubic foot gets pulled in from leaks through the building enclosure.Air doesn’t always follow the arrows we draw on diagrams. You can put all the vents you want into a mechanical room, but whether air moves in the direction we’d like it to depends on the which way the pressure difference pushes it. Wind, stack effect, and other mechanical systems could cause air to flow the “wrong way.”Bringing combustion air in from outdoors can waste energy and lead to comfort problems. We know the old saw about how “a house needs to breathe” is a myth. Houses need to be able to dry out and they need good indoor air quality. They don’t need extra leaks. It’s the people who need to breathe.Occupants sometimes seal them up because they don’t understand why there’s a hole in their house. It happens, just like they sometimes caulk the weep holes in a brick wall.As I’ve said before, it’s time to put atmospheric combustion appliances on the pile of obsolete technologies. Let them take their rightful place as relics of a bygone era, along with steam engines, typewriters, and slide rules. Allison Bailes of Decatur, Georgia, is a speaker, writer, energy consultant, RESNET-certified trainer, and the author of the Energy Vanguard Blog. Check out his in-depth course, Mastering Building Science at Heatspring Learning Institute, and follow him on Twitter at @EnergyVanguard. Some older homes, though, have a type of furnace that isn’t made anymore: the natural draft furnace. The photo at left shows what they look like. Notice that there are two places where this furnace pulls in air, and these guys pull in a lot of air. They’re also easier to backdraft, but that’s not our focus here.Where does the air come from?So if you’ve got any type of atmospheric combustion appliance, you need to make sure it gets air for combustion. The two options are:Indoor airOutdoor airLet’s take a look at them separately.Using indoor air for combustionIf you’re going to use indoor air, there’s got to be enough of it inside the house. Two building codes that address this issue are the National Fire Protection Association Standard 54 (NFPA-54) and the International Residential Code (IRC).Both say the same thing about using indoor air for combustion. The space that the atmospheric combustion air can draw from has to have at least 50 cubic feet of volume for each 1,000 BTU/hour of appliance capacity. Using outdoor air for combustionThe other way to provide air for your combustion appliances is to bring it in from outdoors. The standard way to do this is with “high-low vents.” The image at left shows an example. Two ducts are open to this mechanical room in a basement. One of them terminates near the ceiling, the other near the floor.[Image credit: International Code Council]The image at left and the image below are from the 2012 IRC and show two ways to do the high-low vents with vertical ducts. It’s OK for the ducts to pull combustion air from the crawl space or attic as long as those spaces communicate directly with the outdoors. In the first diagram, the low vent is connected to the vented crawl space, and the high vent is connected to the attic.[Image credit: International Code Council]In the diagram at left, both vents are shown connected to the attic. That’s why the furnace in the image at left has louvers in the cover. It allows air from the surrounding space to be pulled in for combustion. This is what we call the standard efficiency furnace. If you buy a new furnace these days and want to get the cheapest one you can, this is probably what it’ll look like. A while back I wrote about the incompatibility of putting an atmospheric combustion furnace in a sealed attic. Most often the attic is sealed by installing spray foam insulation at the roofline, thus bringing the attic inside the building enclosure and turning it into conditioned space (directly or indirectly). The good news is that some installers understand this problem and seek to address it. The bad news is what a few of them do.Combustion air retrofitsThe photo at right is a case in point. The furnace was up in the attic before the spray foam was installed. The homeowner hired a spray foam contractor to improve the building enclosure but the budget didn’t include enough money to change out the furnace at the same time.I don’t know if the combustion air retrofit you see above was done by the spray foam installer or the HVAC contractor, but in either case, this one’s almost certainly not going to work. Here are the main problems:Inadequate duct size. They used a 4-inch flex duct that you usually see on bath fans (which have their own problems), and it ran at least 20 feet to the place where it exited the attic. This would not meet the code requirement for combustion air inlets, as you’ll see below.Poor duct installation. The duct wasn’t pulled tight, further reducing the air flow through the duct.Tape over furnace louvers. The louver area is designed to allow the proper amount of combustion air to enter the furnace. By covering some of them with tape, the installer of this retrofit may be guaranteeing the opposite of what they were aiming for: less combustion air, not more.[Photo credit: Nikki Krueger]The image at left shows a better installation. The duct looks like it’s 6 inches or 8 inches in diameter, and it’s made of rigid metal. Both of those things will allow more air to move through.And that air might even move toward the furnace instead of away from it. Of course, there’s no guarantee of that. As my friend David Richardson likes to say, combustion air doesn’t care which way we show the arrows pointing on our diagram. Air flows from areas of higher pressure to areas of lower pressure. Under some circumstances, air might flow out through that inlet rather than in.The need for airNow let’s go a little further. Let’s look at what building codes say is the right way to do it. The image at left shows the burners in a particular type of furnace. When you pull the cover off of this furnace, you could stick your fingers right there in the flames. (I said you could do it. I certainly don’t recommend it, though.)What that means is that the flames are open to the air inside the furnace cabinet. Since we know combustion is the chemical reaction of a fuel (natural gas in this case) with oxygen, there’s got to be a supply of air to keep it going. The air in the furnace cabinet itself would be exhausted quickly, so more air has got to come in somewhere, right?last_img read more

Don’t Leave Success to Chance

first_imgYou win new clients and new opportunities one of two ways: intention or accident. Intentionally won deals are how you grow your sales; accidental deals are how you fail to do so.A Series of Happy AccidentsWith a little luck, you can win a new client through a happy accident. Your dream client may find your company online and raise their hand and ask for help at just the right time. One of your existing clients may refer one of their contacts to you after discovering they have a problem you can solve for them. Marketing can churn up a lead that happens to be ripe for your offer, and everything can fall easily into place.But you can’t count on being found by the people you hope to serve. You can’t count on your existing clients bringing up your name to one of their contacts in a conversation about business. Even though marketing has an important role to play, your success belongs to you, and you alone.You cannot build success by hoping for happy accidents. All these happy accidents do is allow some salespeople to hold out hope for more.Intentionally Chasing Down SuccessIf you really want certain results, you can’t leave those results to chance. You have to chase them down. You build success by intentionally taking action on your goals and the outcomes that you need. Success is keeping score, and it knows when you have paid in advance for what you want.If you want to win your dream client’s business, you need to develop a pursuit plan, nurture relationships, and chase down those clients. Applying enough effort and energy against any obstacle long enough, and the obstacle yields. Applying enough hope against any obstacle doesn’t have the same effect.Luck can be a wonderful accident, but it is as fickle as all get out, and not to be trusted with your future. If you want success, in sales or anything else, you are going to have to achieve it intentionally, through massive, focused action. Nothing is guaranteed, but this is as close a sure thing as you will ever have. Get the Free eBook! Learn how to sell without a sales manager. Download my free eBook! You need to make sales. You need help now. We’ve got you covered. This eBook will help you Seize Your Sales Destiny, with or without a manager. Download Nowlast_img read more

Ross, San Miguel put clamps on Ginebra import Brownlee

first_imgView comments Read Next MOST READ WATCH: Streetboys show off slick dance moves in Vhong Navarro’s wedding Brace for potentially devastating typhoon approaching PH – NDRRMC Trending Articles PLAY LIST 00:50Trending Articles00:50Trending Articles01:30’Excited’ Terrence Romeo out to cherish first PBA finals appearance01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games Frontrow holds fun run to raise funds for young cancer patients  E.T. returns to earth, reunites with grown-up Elliott in new ad  Ross is also hopeful that wins like these can finally silence critics saying that San Miguel is in a disarray.“I don’t think anything was wrong with us. We lost two games by one point. It’s not like we’re getting blown out. The game against Alaska, we got blown out, but before that, games against NLEX and Star were decided by just one possession,” he said. “I felt like we’re not playing bad even though we’re at 3-3. We’re always one possession away.”Ross agreed that looking back, the Beermen made a mistake on replacing Wendell McKines with Terik Bridgeman.But with Terrence Watson now in the fold, he believes that San Miguel is back to its old dominant self as it seeks to make it to the top four and ultimately capture the Grand Slam.“When we changed imports, I guess you could say they made the wrong decision, but I felt we’re playing good enough to win games. We’re just not making plays at the end of the game. But now that we got an import that competes and fits in well with us, plus we’re getting healthy and coach is finding our way with our rotation, then we’re starting to play a little bit better which is causing us to win games,” he said.ADVERTISEMENT “I was just taking the challenge,” shared Ross on Sunday. “He was really a prolific import. He puts his shirts on like I put my shorts on in the morning, so I just go out there and compete.”It may seem like a mismatch but the veteran guard showed he is the right man to slow down Brownlee, who was limited to just 14 points on 7-of-18 shooting from the field.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutoutRoss, who had four steals, was also stellar on the offensive end with 20 points, four rebounds and five assists.“We’re desperate for a win and Ginebra is playing great basketball, so I’m just happy that we’re able to pull this win out,” he said. “Everyone played well. We had a great game plan from coach and we’re able to squeak this one out.”center_img Desiderio walks the talk in UP’s last-second win over UST Nonong Araneta re-elected as PFF president LATEST STORIES Fire hits houses in Mandaluyong City BSP sees higher prices in November, but expects stronger peso, low rice costs to put up fight LOOK: Loisa Andalio, Ronnie Alonte unwind in Amanpulo for 3rd anniversary Don’t miss out on the latest news and information. San Miguel Beer guard Chris Ross and import Terrence Watson double teams Barangay Ginebra import Justin Brownlee. PBA IMAGESChris Ross may have given up four inches in defending Justin Brownlee, but at the end of the day, that huge height disparity was hardly a factor at all.Bringing in his scrappiness and grit, the reigning Defensive Player of the Year hounded the Ginebra import for the 42 minutes he spent on the floor to help San Miguel come away with a 107-103 victory.ADVERTISEMENTlast_img read more

Big 2nd quarter propels Raptors to rout of slumping Celtics

first_imgStill, Celtics guard Kyrie Irving wasn’t on the same page when asked to respond to Smart’s comments.“That’s Marcus’ opinion,” Irving said, declining to answer after being asked whether he agreed with his teammate.Irving also had little to say about Stevens’ comment that Boston is taking too many “shortcuts” on defense.“I don’t know,” Irving said. “It’s up to Brad.”Irving scored seven points. It was his lowest-scoring game since he had three points against Detroit on Oct. 27.ADVERTISEMENT Marcus Morris scored 17 points, and Jayson Tatum and Terry Rozier each had 11 as Boston lost for the fifth time in seven games. The Celtics are 0-3 since play resumed following the All-Star break.“We have to be a lot more connected as a team,” Celtics coach Brad Stevens said. “That’s been the theme for a while.”FEATURED STORIESSPORTSPrivate companies step in to help SEA Games hostingSPORTSUrgent reply from Philippine ‍football chiefSPORTSPalace wants Cayetano’s PHISGOC Foundation probed over corruption chargesCeltics guard Marcus Smart echoed his coach’s assessment.“Nobody is together,” Smart said. “We’ve got to have everybody on the same page doing the same things at the same time.” Urgent reply from Philippine ‍football chief Grace Poe files bill to protect govt teachers from malicious accusations PDEA chief backs Robredo in revealing ‘discoveries’ on drug war Celtics: Host Portland on Wednesday night.Raptors: Host Portland on Friday night.Sports Related Videospowered by AdSparcRead Next Private companies step in to help SEA Games hosting LATEST STORIES TIP-INSCeltics: G Brad Wanamaker (illness) was not available. … The Celtics shot six for 30 from 3-point range. … Boston has lost three straight on the road.Raptors: Toronto had 11 assists on 14 made baskets in the second. … The Raptors went 8-1 in February. … Toronto lost both visits to Boston this season, including one overtime defeat. Boston and Toronto split their four meetings this season, with the home team winning each time. The home team has won 11 straight in the series.TITANS OF TUESDAYToronto improved to 9-0 on Tuesdays, while the Celtics dropped to 5-1.FAST WORKThe Raptors outscored the Celtics 29-9 in fast break points.UNDER 100Toronto is 11-1 when holding opponents below 100 points, while Boston is 3-6 when failing to score at least 100.UP NEXT Don’t miss out on the latest news and information. US judge bars Trump’s health insurance rule for immigrantscenter_img ‘We are too hospitable,’ says Sotto amid SEA Games woes Oil plant explodes in Pampanga town Claressa Shields in another boxing 1st on Showtime MOST READ SEA Games hosting troubles anger Duterte PH underwater hockey team aims to make waves in SEA Games PLAY LIST 02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games02:11Trump awards medals to Jon Voight, Alison Krauss Boston Celtics guard Kyrie Irving (11) shadows Toronto Raptors guard Danny Green (14) during first half NBA basketball action in Toronto on Tuesday, Feb. 26, 2019. (Frank Gunn/The Canadian Press via AP)TORONTO — A lack of togetherness is turning into big trouble for the struggling Boston Celtics.Pascal Siakam scored 25 points, Kawhi Leonard had 21 and the Toronto Raptors used a huge second quarter to rout Boston 118-95 on Tuesday night.ADVERTISEMENT Serge Ibaka scored 14 points and Norm Powell added 11 as Toronto extended its home winning streak over Boston to eight. The Celtics have not win in Canada since a 117-116 overtime victory on April 4, 2015.Kyle Lowry had 11 assists and Toronto led by as many as 31, turning the game around by outscoring Boston 36-13 in the decisive second.“Everything they did took us out of what we wanted to do,” Boston’s Al Horford said.The Raptors have won 15 of 17 at home, where they’re 26-6 overall.Toronto made 17 3-pointers, one shy of a season-high. Siakam matched his career-best by connecting four times in five attempts from long range.The Celtics led 32-30 after one quarter and scored the opening points of the second, but the Raptors answered with an 18-0 run to lead 48-34 at 7:14. Leonard’s fast break dunk at 3:06 put Toronto up by 20, 59-39.“We locked in a little more,” Siakam said. “We got some stops. Obviously, when we get stops we’re dangerous in transition.”The Celtics had twice as many turnovers in the second quarter (eight) as made baskets (four).“I thought we were outplayed in every which way,” Stevens said.Toronto led 66-45 at halftime. View commentslast_img read more

PSEB 2016 results: Girls outshine boys

first_imgChandigarh, May 13 (PTI) The girls have outshone boys in Class 12 examination results which were declared today by Punjab School Education Board (PSEB), with the pass out percentage of girls being 84.03 as compared to 71.12 for boys.A total of 3.18 lakh students had appeared in the exam with overall pass percentage of 76.77 per cent as against 2015s result of 76.24 per cent while more than 16,000 students failed to clear the exam, an official spokesperson said.Mahima Nagpal, student of RS Model Senior Secondary School in Ludhiana topped in the state, securing 99.56 per cent followed by Komal Rani, student of Government Model Senior Secondary School, Patiala, scoring 99.33 per cent.Third position was bagged by Riya, student of RS Model Senior Secondary School in Ludhiana with a percentage of 98.67.The pass percentage of students in rural areas was higher at 77.06 per cent compared to the students of urban areas with a pass percentage of 76.46. The pass percentage of meritorious school was 97.71 per cent, he said.The board issued two separate lists of topper for academics and sports.Sahil Midda, student of Teja Singh Sutantar Memorial Senior Secondary School, Shimla Puri Ludhiana, was declared as the topper (sports) with 100 per cent marks.He shared his first position with Rishabdeep Singh and Sumer Jeet Singh from Gurudaspur and Ludhiana respectively.Of the total 341 students in the merit list, maximum are from Ludhiana district (114) and the lowest are from Tarn Taran and SBS Nagar (1), while there are three students from Mohali.Punjab Education Minister Daljit Singh Cheema said, 341 students secured position in the merit list and all these students secured more than 95 per cent marks. Out of this merit list, 76 students belongs to Government schools including 23 students from meritorious schools.advertisementHe further said that the education department would soon convene a meeting to evaluate the performance of those teachers who had given dismal performance in the examination. PTI CHS AYP RG AYPlast_img read more