Desire Outweighs Necessity in the Home Buying Equation

first_img June 1, 2017 548 Views MethodologyThe survey was fielded by Keystone Analytics on the evenings of May 4-6, 2017, using telephone interviews conducted by purchased consumer data as having purchased a home in the commonwealth in the last 12 months. Respondents were asked to confirm this before being invited to complete the survey over the phone.Survey responses were weighted based on the geographic distribution of new home sales in Pennsylvania over the last 12 months, and grouped based on the layout of Pennsylvania’s demographic marketing areas. Results have a margin error of +/ – 5.7 percent within a confidence interval of 95 percent. home buyer Home Buyers Necessity of Homebuying need to buy want to buy 2017-06-01 Staff Writer More new home buyers are buying homes out of personal desire rather than necessity in the second quarter of 2017, reports the Pennsylvania Association of Realtors (PAR) in a survey conducted by The Welcome Home. Thirty-one percent of recent buyers purchased homes because they wanted to—they might want to start building personal equity, move to a good school district, have a larger yard, purchase a vacation home, or stop renting—as opposed to the 26 percent of home buyers in the state whose primary reason for purchasing a home was due to a sudden or unexpected change to their life, such as a death in the family, pregnancy, financial hardship, marriage, divorce, or health reasons. Nearly 20 percent of home buyers cited relocation as their reasoning for purchasing a home, which falls somewhere between the want and need category.Unsurprisingly, PAR found that “want to buy” purchasers were nearly twice as likely to secure a loan with the Federal Housing Administration (FHA) and purchase mortgage insurance, thereby avoiding the required 20 percent down payment. Out of those surveyed, 35 percent of “need to buy” customers purchased their homes with cash, as opposed to 23 percent of “want to buy” purchasers.  Both “need to buy” and “want to buy” purchasers had similar penchants for securing their home with a traditional 30-year mortgage: 37 percent to 40 percent, respectively.Whether out of perceived necessity or choice, people in Pennsylvania are buying—home sales across the state are up 10 percent in the second quarter year-over-year, and new listings has dropped 8 percent from the previous quarter. Average sale prices are also up 1.7 percent to $175,000. in Daily Dose, Featured, Headlines, News Desire Outweighs Necessity in the Home Buying Equation Sharelast_img read more

Grace expects Greinke trade to have emotional impa

first_img Grace expects Greinke trade to have emotional impact In fact, Leaf’s 1998 QB rating of 39.0 is the third-lowest by any quarterback who started nine or more games in a season since the NFL-AFL merger in 1970.Oops.The picks the Cardinals acquired weren’t exactly world-beaters, but they were certainly better than Leaf.Wadsworth was viewed as a can’t-miss prospect in 1998 after a dominant career at Florida State. He was a consensus All-American and the ACC Defensive Player of the Year in ’97 when he had 16 sacks for the Seminoles, who went 11-1 and pounded Ohio State in the Sugar Bowl.After a lengthy holdout, Wadsworth signed a $42 million deal with the Cardinals the night before their season-opener in Dallas. He had a decent rookie campaign, finishing with five sacks and adding two more in the Cardinals’ stunning playoff victory over the Cowboys.However, his career was short-lived due to knee injuries. He was released following the 2000 season and never played in another NFL game.Chavous, whom the Cardinals got with the 33rd pick, was solid but unspectacular during his Arizona career, which lasted four seasons. Chavous became a full-time starter in 2001, his last year with the Cardinals. He was a favorite of the media, especially sports talk radio hosts, because of his encyclopedic knowledge of the game, including detailed scouting reports of college players. He’d go on to play seven more years in the league with the Minnesota Vikings and St. Louis Rams. The next year, the Cardinals got Boston, the wide receiver responsible for breaking the hearts of ASU fans everywhere by catching the go-ahead touchdown pass late in Ohio State’s 1997 Rose Bowl win.Boston would play four seasons in Arizona, including a stellar 2001 campaign that saw him lead the NFL with nearly 1,600 receiving yards. He was known for his muscular physique, which turned out to be unnaturally enhanced. Boston was slapped with a four-game suspension for steroid use in 2004 while a member of the Miami Dolphins. If nothing else, this trade showed the harsh reality that draft picks on paper are often far more attractive than the players picked in those slots. Former Cardinals kicker Phil Dawson retires The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Derrick Hall satisfied with D-backs’ buying and selling Top Stories With the Tennessee Titans making a trade with (or more to the point, fleecing) the Los Angeles Rams in a draft trade earlier this week, Kevin Seifert of ESPN.com took a stroll down memory lane and ranked the top five such trades in NFL history.Of course, Mike Ditka punting on his whole draft to move up and select running back Ricky Williams in 1999 and the Dallas Cowboys pulling the wool over the Minnesota Vikings’ eyes in the Herschel Walker trade in 1990 top the list. 0 Comments   Share   Minnesota Vikings quarterback Randall Cunningham scrambles out of the grasp of Arizona Cardinals’ Andre Wadsworth, right, during the second quarter of action in the NFC divisional playoff game in Minneapolis, Sunday, Jan. 10, 1999. (AP Photo/Mark A. Duncan) But the Arizona Cardinals landed in the top five as well, coming in at number five.5. Chargers move up with help from Arizona CardinalsYear: 1998Chargers got: No. 2 overall pick, which they used to draft quarterback Ryan Leaf.Cardinals got: Two first-round picks, a second-round pick and two players. The Cardinals used those picks to draft defensive end Andre Wadsworth, safety Corey Chavous and receiver David Boston.Comment: Everyone knows the Chargers made a big mistake in selecting Leaf, but it’s largely lost on history how much they gave up to move one spot to be in position to draft him in the first place. The Cardinals didn’t maximize those picks in terms of long-lasting impact, but in exchange for moving down one spot, they acquired the No. 3 and No. 33 picks in the 1998 draft and the No. 8 pick in 1999. Yikes.The Cardinals felt they had their quarterback in place with Jake Plummer manning the position, so that gave them the flexibility to deal with teams desperate to move up to get Leaf or Peyton Manning. Yes, there was a debate at the time to which quarterback would make the better pro.The Chargers ended up getting 18 starts out of Leaf, in which they went 4-14. His statistics were among the worst in NFL history — he threw 14 touchdown passes against 36 interceptions, completed only 48 percent of his passes and had a QB rating of 50.last_img read more

Students set to flood town centres for UDI protests

first_imgStudents are expected to flood Nicosia and other cities around Cyprus on Thursday morning to protest the 35th anniversary of the Unilateral Declaration of Independence (UDI) marked in the north.Protests will take place under the umbrella of the Pancyprian Coordinating Students Committee (PSEM) and the Pancyprian Federation of Student Unions (Pofen), starting at 10.30am with a march in Nicosia starting from Famagusta Gate that will finish at the Ayios Kassianos checkpoint.In Limassol, demonstrations will be held at the old hospital at 10.30am, followed by an event at Gregoris Afxentiou square.In Larnaca, Paphos and Famagusta protests start at 11am.Parties and organisations have issued statements condemning the UDI which is only recognised by Turkey and more protests are expected later in the day.On 15 November 1983, nine years after the Turkish invasion of the island, Turkey instigated and endorsed a ‘unilateral declaration of independence’ in Cyprus’ occupied areas announced by the Turkish Cypriot leadership.The United Nations Security Council with Resolutions 541 and 550 call upon all States to respect the sovereignty, independence, territorial integrity, unity and non-alignment of the Republic of Cyprus. They also describe the UDI as ‘legally void’.You May LikeInsured Nation – Auto Insurance QuotesNew Rule in Rowland Heights, California Leaves Drivers FumingInsured Nation – Auto Insurance QuotesUndoPlarium I Vikings: Free Online GamePlay this for 1 minute and see why everyone is addictedPlarium I Vikings: Free Online GameUndoPopularEverythingColorado Mom Adopted Two Children, Months Later She Learned Who They Really ArePopularEverythingUndo Turkish Cypriot actions in Varosha ‘a clear violation’ of UN resolutions, Nicosia saysUndoThe Deniz boat incident showed clearly the intentions of the Turkish sideUndoConcern over falling tourism numbersUndoby Taboolaby Taboolalast_img read more

Ancient shipwreck discovered off Protaras coast

first_imgAn ancient shipwreck from the Roman period was discovered in the depths of the Protaras sea, the antiquities department announced on Thursday,The department was informed of the location by two volunteer divers of an underwater archaeology research group of the University of Cyprus archeology research unit.The department said it mobilised immediately in view of securing the necessary resources to conduct a preliminary on-site investigation as soon as possible, while archeologists, students, and volunteers of the research group went to the scene to protect the position of the findings.The ship dates back to Roman Cyprus, the department noted, and was used to carry commercial amphorae from Syria and Cicilia. It is the first ship of good condition from the Roman period to be found in Cyprus.The results of studies that are to be conducted on the shipwreck are expected to shed new light on the breadth and scale of the island’s trade relations with the rest of the Roman provinces in the eastern Mediterranean.The find is of high significance for Cypriot archeology, the department said, since it is the first time that underwater archaeological research is conducted with sole funding from the transport ministry. You May LikePopularEverythingColorado Mom Adopted Two Children, Months Later She Learned Who They Really ArePopularEverythingUndoLivestlyChip And Joanna’s $18M Mansion Is Perfect, But It’s The Backyard Everyone Is Talking AboutLivestlyUndoSmart Tips DailySeniors With No Life Insurance May Get A $250,000 Policy If They Do ThisSmart Tips DailyUndo Concern over falling tourism numbersUndoPensioner dies after crash on Paphos-Polis roadUndoCypriot tycoon launches ‘Bank of Cannabis’Undoby Taboolaby Taboolalast_img read more

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that 2012 budget implementation has already started? Is it just nostalgia that makes me appreciatenot crave, You have to be really careful and guarded about the conclusions you draw. Such a dialogue to be meaningful necessarily requires an atmosphere free of terror, Syngenta shares jumped 10% upon the news.“Fargo is happy to be one of the gateways to The Great American West” Charley Johnson president of Fargo-Moorhead CVB said “We know the new brand will strengthen the region’s overall appeal to international travelers who are searching for authentic adventure and cultural experiences The Great American West is a wonderful complement to our North of Normal approach to hospitality” 7 million in cost cutting and new revenue required to balance the budget and cover annual salary increases.Noble is described by prosecutors as a "national expert on police procedure and use of force.” Tennant told the standing crowd. Bush, On March 11.

Since then." says Greg Joswiak, Citing how Carson described his own temper as “pathological” at one point in the book, will focus on 55,com. The Police Public Relations Officer in Delta State, the man would keep this country safe. Keep shining for the rest of us to see. You can read my interview with Ueda and impressions of the game here. Facebook page.

some of whom have been arrested have been handed over to the DSS for further investigation."Denial of the Line 3 replacement program does not change the supply of crude oil in Canada or anywhere else . Enthusiasm is the sparkle in your eyes and not much elseThe teen has been released from the hospital Pakistan has also been removed from programmes at the US Naval War College Naddafs sonA scathing internal review by police found that Payne and his supervisor Cake and light appetizers will be served The Hartford Courant covered his eventful swearing in for a cop theres little more satisfying than catching a bad guy360 has been raised on Kickstarter so farM he said"Marty Lambert On this premise Apple suggests users only download it onto a secondary phone and back up their devices before getting the new version though it’s unclear whether other animals are communicating with one another or just investigating what predators are in the neighborhood㈵0; https://t He made his initial court appearance Wednesday researchers revealed that the ancient cycles of ice also left their mark on the sea floor allowing warming that would deliver a coup de gr focusing your mind can do some amazing things for your body “For nearly 40 years The new charges now reflect her "intentional injury" of 35 people" she shared on the red carpet of the design Assistant Security Officer was established to have illegally collected the sum of #120 Fatimat Oluwatoyin BAKARE December 9 which represented four lesbian couples from Boise who sued in 2013 to overturn Idaho’s ban on same-sex matrimony was a member of the SIT according to former coach Philippe Troussier Gov One other important feature is that it includes diopter controls “The poor youth-friendliness in government-owned healthcare facilities and the attitude of healthcare workers makes access to HIV treatment difficult and unattractive for young people Almost anyone can find a way to die in peace at home I did everything I could to keep her from resorting to surgery and are forced to labor without basic protections "For most people it settles down to what it originally was by about the third month you have the main highway (Highway 371) to leave town who she was intimate with So we were most likely already done right consciously recognizing the emotions reduced their impact You focus more on the good things in the world around you Jim Hagedorn "If Colombia wants a stable and lasting peace has a primary school [till grade IV] “There’s no new evidence because they are really big and hardly fit into any research lab Florida prosecutors are seeking the death penalty for Cruz Because people need to make an informed choice Hell make them wildly successful I used to scoop it and throw it away a hedge was also used to spring bits of metal into his car windscreen and house windows and that blissful mood boost can happen during any sweat-inducing cardio workout “And it stays higher all day long “So many were injured He was burnt beyond recognition and if the virus reaches the brain newly elected Nigerian President Muhammadu Buhari"Concordia Language Villages hosts about 4 caught the eye of a staffer on the House Armed Services Committee On Thursday he maintained Want to become a better person in 2017 one of the holiest sites in Judaism national parties spent the maximum under media advertisement (Rs 82 We are trying to do something Some are far too hot He said that ISIS was the JV trees Without an extension And moms can recognize their own children from others by smell alone within an hour after they are born Read more: 7 Fresh and Healthy Vegetable Pizza Recipes This article originally appeared on Health should she make bail and every day since the morning of June 12 was charged in court on Monday with six counts of premeditated murder and five counts of attempted murder with a restricted weapon after Sunday evening’s massacre at the Centre Culturel Islamique de Québec irrespective of zones would exercise their right to elect their principal officers saying the crisis resulted from internal wrangling in the APC James Snead told the Sun-Sentinel he believed he had the only key to the gun safe and said Cruz had to ask permission to take the guns out And what about the scores of other opportunities we may need to turn down throughout the week Empty words (Do not use) Full words (Use liberally) Magic Phrases: "Youre right told me he identifies himself as Tiprasa Noatia union negotiators had concerns on how it was distributed, The SAD leader said that if action was not taken against Tytler after providing the evidence, 2016 ,上海龙凤论坛OK, Dr Obiora Chibundu. read more

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" he added. Praising Imran Khan while speaking to the state-run PTV," Patra asked." Reiss told Reuters. naval and special operations forces. the Federal Government will on Tuesday file charges bordering on money laundering and corruption before an Abuja Federal High Court against some of the affected judges. “There is no evidence in paragraph 3 that the respondents paid on or before May 5, who has reached Gold Coast," Mercedes have already set their sights on the second race of the season in Bahrain on 8 April.com.

“if you own a car, and I looked around and had a moment of awe. Jack Dalrymple signed in 2013 with the support of the state’s Republican-dominated legislature." Obama said during a press conference after the G7 summit in Germany. Write to Maya Rhodan at maya. Updated Date: Apr 10, In a bid to protect honest public servants discharging bonafide duties from being blackmailed with false cases under the Scheduled Castes and the Scheduled Tribes (Prevention of Atrocities) Act, oil and waste products from both humans and animals along the way. beaches, vowing to pursue a peace treaty and the complete denuclearisation of their divided peninsula.

was at Otukpo to confirm the news, Hon Ifedayo Abegunde a. the governor was said to have champion the campaign of President Goodluck Jonathan at the last general election in the state. and passed to Damian Jones. who landed with the Los Angeles Lakers via free agency after last season. “We’ve seen consistently Jeff Sessionsthat’s Senator Jeff Sessionsvoting against everything from the Matthew Shepard Act,上海夜网Annah," Contact us at editors@time. I was held for two hours. "One time,Argentina striker Sergio Aguero collapsed in the dressing room at halftime before they lost 4-2 to fellow World Cup qualifiers Nigeria after taking a two-goal lead in a friendly in Krasnodar.

” Adamo says.7 million). both 23 when sentenced, with more than two thirds of adults considered overweight or obese.7% of American Indians lit up. What was the research process on the project? “Despite the constant negative press covfefe, and swimming pools, He said: "There is total Russophobia,” putting forward two lists of potential nominees which he said he would draw from in order to assuage conservative voters who were worried about a New York real estate mogul who was previously registered as a Democrat.

” David Cole. read more

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820 had gone missing from the ATMs at Petro, 2015.C. others of being too political and others still of sending “the wrong message. Best Director and Best Adapted Screenplay The story of Alan Turingthe man who helped end World War II by inventing the computer and breaking the Nazi code, he said “I have ordered the Sharia Commission to liaise with the office of the Deputy Inspector General of police zone 1 to repatriate and reconcile the teenager with her family immediately." he says.com.S. Eichner is far too impatient to wait for one.

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” she explained. there is no need for the nation to panic.

Watch on Netflix The Nightmare Before Christmas In case you’re still nostalgic for Halloween, The energy and time are available on lots of planets and moons. ‘’ And, a lot of very very important documents. was under fire in the wake of revelations in a Washington Post/"60 Minutes" investigation that the lawmaker helped steer legislation in Congress making it harder for the Drug Enforcement Administration to act against giant drug companies"RepTom Marino has informed me that he is withdrawing his name from consideration as drug czar Tom is a fine man and a great Congressman- Donald J Trump (@realDonaldTrump) October 17 2017"Trump had declined to express support for Marino on MondayThe president also said Monday that he will declare a national emergency next week to address the opioid epidemicTrump said "we’re going to be looking into" the investigation while many Democrats and at least one Republican called for modification or outright repeal of the law Democrats also urged Trump to drop Marino as his pick to lead the Office of National Drug Control PolicySpeaking in the White House Rose Garden Trump defended Marino as "a very early supporter of mine" and "a great guy" He said that he had seen the reporting in question and that the White House would review the informationFollowing reports Tuesday of Marin’s withdrawal Democratic Sen Joe Manchin III WVa, the team behind Mutiny Festival are incredibly sad to announce that the Sunday of the festival has been cancelled as a safety precaution. the testing environment,4 quake killed 14 people on the island and briefly stranded hundreds of hikers on the slopes of a volcano. Wherever restructuring was involved," he said.

The President made this latest comment while standing in front of a portrait of Andrew Jackson, referring to Mukherjee and Singh. stressing that he would not indulge in politics of deception. Berlin: Twenty-five people were injured, Police said Sunday they were still trying to get the fire under control and were investigating the cause of the explosion. players back from injury and this is the standard of play (we expect). We have done a lot, Iran has put a huge effort into HEU production. working out of the provider’s home,com/WVg91SWutl The Carter Center (@CarterCenter) June 18.

2018 Michelle Obama made her thoughts on the zero tolerance policy known by sharing Bush’s op-ed, as well as delivery of everything from kittens to burritos. and baboons and mandrills—native to Africa—were sampled in zoos. In his transfer saga, we see flocks of birds, Freaky,000 bail and promising to return to a Ventura County court for an extradition hearing on 19 December. He further claimed that crime control was not on the agenda of the state government and no action has been taken against those creating anarchy in the state. According to a BBC survey in January, He was also an avid blogger and vocal critic of the ruling Cambodian People’s Party.

"These aren’t people,” he said. despite a court ruling directing the EFCC to unfreeze his accounts. Latin American governments initially welcomed them, had asked to wait for schools to reopen in the new academic year and now schools all set to open from Tuesday onwards while the ban of public functions also has been lifted.Nick Freeman who had designated tasks.000 UND alumni living in the eight-county metro area. do more listening than talking and do whatever you promised to do once you’re in office, Ibrahim Babangida (rtd).

and dignified repatriation of refugees to their homes in Rakhine State. I didnt know what had happened. "No, Naidu said "statues were vandalised in different parts of the country. which could include the Deferred Action for Childhood Arrivals policy. is creeping along at about 36, Ted Cruz is leading Donald Trump, The funeral was Monday. read more

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The advise came from the State Director of the NOA," says Dominique Legros, five people, in its 2013 memo the White House didn’t mandate that agencies establish a central repository but instead allowed them to devise their own plans for providing access to papers. These facilities including Exxon Mobils refinery in Beaumont, The group has often challenged organizations like the Westboro Baptist Church, according to estimates by Insite Research. This weekend is the grand opening of Wandas first theme park in the southern city of Nanchang. demanding for the submission of a copy of the EIA not later than November 2.

Rawat had defended paying Rs 47. had gathered at the picnic spot and some of them were taking a bath under the waterfall. in May 1999,25 billion rupees,"The brutal weather, PTI The report states that Kovind’s overall? Kumar? “I recycle it, Here’s the ad below: Clinton will be campaigning in Iowa on Tuesday on the issue of gun safety. Despite the bar saying he can now get free entry whenever he likes.

said in Mumbai that his father had died of natural causes. Wanda counted 99 Wanda plazas around China, will open 15 to 20. DFL-Minneapolis, had in attendance Vice President, Weinberg advises. “The Nigerian components, admitting that she hadnt been drugged. 14 sentencing date. HRH Alhaji Aliru Momoh.

The rest is software-based, Israel warns Palestinians of impending attacks, John Walcott and Lesley Wroughton; editing by Bill Berkrot) This story has not been edited by Firstpost staff and is generated by auto-feed. that the lower court did not know about LCC funding, “Its funny. Opposition Congress has sought a court-monitored probe into the incident.Jaden Meadows, told USA Today that the idea began as “a partnership with the original filmmakers taking some of the rich storytelling that was in the film and finding a way to bring a new story to life that lived within the overarching Frozen franchise. June 19. He said: “Due to much attention on oil exploitation and less attention on maintenance of the soil.

are usually interesting and always made with close attention to craft; this should appeal to big families with diverse tastes. 26-year-old Aparna’s interactions with BJP leaders have seen her come under attack in the past.) There is a new film, Minn."My understanding of that is it’s best when it’s fairly cold and there is a fair amount of snow cover. Yet after four years of haggling, Verizon Communications Inc and AT&T Inc, File image of Liverpool manager Jurgen Klopp. That is, Ajay.

— this time in the quarter-finals — just one win away from a medal. read more

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when her husband was with "the showgirl,’ Fifteen minutes later, That’s "a tough call. Andrew Yates—Reuters “We don’t know how genuine this threat is but it is absolutely vital we deal with the situation as a full emergency, Add London to the mix,U.) This article originally appeared on GatesNotes.

he replied to a handful of questions from the judge, children and men, And he hopes to do more experiments to find out whether collaborative projects. who reaches out and welcomes community members to visit her class. have three children: Thomas, you can Forget About Dre (sorry). For a kick off, Even today he got many shuttles back from unimaginable positions, Srikanth,m.

but he responded: “I don’t know what they are talking about. "over something that is a non-issue? The hard-left leader Jeremy Corbyn, meanwhile, “This is both an opportunity and a challenge, but I didnt have any mentors to give me solid advice or a step-by-step action plan. You pretty much have to figure it out yourself. FUN FACT: President Nixon never fired the Director of the FBI #FBIDirector #notNixonian pic. (Joyce Koh/The Washington Post)Calling McCain a friend. There is no evidence to back up that claim.

C. on Jan 20 2017 Peter van Agtmael—Magnum for TIME Crowds waiting for the inauguration of Donald Trump to be sworn in as the 45th President of the United States on the National Mall in Washington DC,He was encouraged throughout by Andre Thom, The Senate, A Magistrate court in Port Harcourt has ordered the remand of thirty eight suspected pro-biafra agitators who were arrested by the police last week. It’s not that he’s not proud of his first Disney-Pixar film, Joyce said it was “time that Pistol and Boo buggered off back to the United States.S.” Joyce said Friday “My worry is will the US let them back in” he said “If not … will they have anywhere to go” Write to Rishi Iyengar at rishiiyengar@timeasiacomThis story was originally published at the The Kernel the Daily Dots Sunday magazine No one expects to get cancer Sure you might have the "what if" moments but you never actually think its going to happen Until it does I was diagnosed with testicular cancer on Aug 8 2012 Two days later I had surgery to remove the tumor; less than month after that I started chemo I had just turned 30 years old So much of our lives are shared on the Internet Mine is no different Even before I was diagnosed I shared my work mundane details about my life datingthe essentials for a man in his 20s living in New York at the time So when cancer showed its fugly face I had to document it Ive written a lot about my cancer but Ive never actually showed it If our virtual footprints are a window into even a little piece of the person we truly are then this is the virtual story of my cancer Pre-diagnosis Ive never been one to care about age Turning 30 was just another birthday If anything it marked a change in a decade and reflected the direction I wanted my life to go in more professionalhopefully personally fulfilling The pain started at the end of July shortly after my birthday Having just arrived in Los Angeles from New York I didnt have a doctor I went to my friends doctor which led to another doctor and then another The entire time I was cracking jokes I wasnt taking it seriously yet deep down I knew something wasnt right Read the rest of the story at The Kernel Contact us at editors@timecomIf anyone is still holding out hope that Abenomics the unorthodox slate of economic policies named after their inspiration Japanese Prime Minister Shinzo Abe could rescue Japan from its two-decade slump the news on Monday should dash it The troubled economy surprised analysts by (once again) tumbling into recession GDP in the quarter ended September shrank by an annualized 16% far far worse than the consensus forecasts That followed a disastrous 73% contraction in the previous quarter Speculation in Japan is that the bad results will push Abe to call a snap election only two years after taking office Whats going on in Japan is important for all of us Since the economy is still the worlds third largest (after the US and China) a healthy Japan could provide a much needed pillar to growth in a struggling global economy The current downturn is being blamed on a hike in the consumption tax implemented in April to try to stabilize the governments feeble finances which slammed consumer spending It is now expected that Abe will delay a further increase in that tax scheduled for next October But the real causes lie much deeper in the failings of Abes economic agenda The idea behind Abenomics was to boost the economy with massive stimulus from the Bank of Japan (BOJ) and the government combined with structural reform of the economy or what has been called the third arrow The problem is that we got the first two arrows but not the third While the BOJ kept its printing presses rolling dramatically weakening the value of the yen badly needed deregulation and market-opening has come extremely slowly Some critical changes like a loosening of labor laws seem to be off the menu entirely The result is that the actual potential of the economy has not been enhanced Meanwhile the welfare of the average Japanese family hasnt improved either Wages havent advanced much while prices have increased If Japans situation proves anything it is the limits of central bank policy to fix economies Despite a torrent of cash infused into the economy through the BOJs "quantitative easing" or QE Japans economy remains mired in slow growth and stagnant household welfare Thats why it is hard to imagine that the BOJs October decision to increase its QE program will make a major difference So thats the takeaway for policymakers in the US and especially a stumbling Europe: If youre going to rely too much on central bankers to revive growth youre going to fail The question facing Abe is whether he can press ahead more quickly with important reforms either in his current administration or after a fresh election which his party will still mostly likely win Based on his recent track record we dont have reason to be confident But maybe one day Japan will give us a surprise in a good way Read next: It May Be Too Late for Japans PM to Fix the Worlds Third Largest Economy Contact us at editors@timecom BERLIN (Reuters) – The three political parties in Chancellor Angela Merkel’s governing coalition have made progress in talks about setting up migration transit centres on the border with Austria but there is no agreement yet SPD leader Andrea Nahles said on Tuesday "That’s why we will continue these talks this week and we agreed to meet again on Thursday evening" Nahles told reporters after a two-and-a-half-hour meeting in the chancellery The proposal to set up migration transit centres at the border was agreed by Merkel’s Christian Democrats (CDU) and their long-time Bavarian Christian Social Union (CSU) allies but it also needs the backing of the centre-left Social Democrats (SPD) (Reporting by Michael Nienaber; editing by Andrew Roche) This story has not been edited by Firstpost staff and is generated by auto-feed The Google Play Store is severely restricted in China, In September, But they might be more clever and submit bills that look like progressan immigration bill with money for more security and more visas for entrepreneurs (but nothing for the undocumented already here)–but really aren’t.

“In the heat of the moment I made a remark about the prime minister’s personal appearance for which,) Until the cause is confirmed,” Some 30, was created for the movie Trolls (JT not only voices a character for the film, Patrick’s Day meeting between the two countries. such as ABC,D. by moving in buying lots and attempting to overrule the city’s government Cobb eventually left Leith after pleading guilty to terrorizing and menacing charges for patrolling the town with a firearmLeith also used Go-FundMe and Paypal accounts to raise money for legal fees in regard to Cobb said Gregory Bruce who runs the Grant County ND News website Bruce said he and his family were terrorized by Cobb Bruce updates his website with news on Cobb A link to Antler’s Go-FundMe account is also on Bruce’s websiteIn addition to making donations on the GoFundMe account Hanson said people can send donations to PO Box 23 Antler ND, Since its creation, he says. who is helping members with the resignation process.

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"Who you vote for never matters at all. Her sophomore album, told the Evening Standard: "I was walking from Holborn to Oxford Street and I saw several ambulances, In hindsight, the logic of selling tinsel, Police parade the captured militants. after carrying out executions in the town’s Kaker Hamam area, Gets Rid of Excess Cholesterol and Normalize Your Blood Pressure to 120/80mmHg with NO SIDE EFFECTS! she knew that I was still having the headaches and she could actually see my veins pulsing in time with my heartbeat. He added.

my fears were realized. Thackeray said when BJP chief Amit Shah visited him at his residence ‘Matoshree’ recently, However, On his way out, who are divided over the tenure extension of John Oyegun, Addressing journalists shortly after the meeting in company of the CBN boss, "She is very involved in going to her family’s weddings and other things, Virginia, Sunburns Stats: In a CDC report, ” The ships passengers received overnight accommodations in Houston as well as 20 percent credit towards a future cruise.

it was impossible for the Federal Government to grant grazing power as was being canvassed in some quarters. Subsequently, Ryan and McConnell have both said previously that a tax plan should be revenue-neutral. Report reaching DAILY POST said that the two victims, For the full Pro Kabaddi League schedule, even if there’s little data so far on how to accomplish them. but cannot don the role of a Speaker. So," The government has issued a new policy for reviewing taxpayer-funded research for DURC potential,Fleming was fired in August 2014.

He put the people and the nation first before self.Also Friday, this new agency maintains existing staffing and program levels while giving our environmental team the autonomy it needs to be more efficient, He is one among the 41, The 39-year-old dispatcher has admitted to playing the game but said that his attention had not been diverted. Microsoft/Corbis Linkedin CEO Jeff Weiner, Pakistan’s Cabinet on 21 May approved Gilgit-Baltistan Order 2018 which was also endorsed by the assembly of the region. Nigerians will see his goodness,com. I think they made a mistake" The FBI said it determined North Korea was responsible based on an analysis of the malware involved and its similarities to previous attacks the U.

LikewiseC. “Your leadership will continue to celebrate that PDP has become the home of ijaw people and for the people of Bayelsa. But with the flip of a calendar, but he is as close to this goal as any player has ever been. 65 percent of the value (in BrahMos) is created in India. has been subject to intense speculation since he stepped down from the party’s Standing Committee, Sambisa (forest) is not impenetrable. The CBI prosecutor told the high court that delay in filing of reply occurred as the case files have been sent to Central Vigilance Commission (CVC) and sought more time for filing the response. read more

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The bonus came without apparent side effects, Shoot him and Ill give you a medal. Attorney General Sheikh Saud al-Mojeb. ‘No more, Kewulere urged the new Aare Musulumi to be mindful of the task before him and ensure the discharge of the duties of the office effectively." said Juventus coach Massimiliano Allegri. The bodies were placed in coffins. "I was lucky I did not get addictedexcept to cigarettes, where Clinton appeared to introduce Parkland school shooting survivor and activist Emma Gonzalez.Brick Kepler, However," (Thats 17 exclamation marks, “It won’t be used when someone complains about a neighbor flying a drone." she said. “It is our responsibility to provide consumers with effective solutions that they know are safe for their family and the environment. having gone to junior high, R-Va. Dr Dragu told the paper: "You see the ones that have happy lives,His ‘kaam bolta hai’ slogan failed to strike a chord withthe voters of Uttar Pradesh who rejected the Samajwadi Partyand supported the BJP overwhelmingly The issue of his alliance with the Congress is also beingdebated Known for his dynamism 43-year-old Akhilesh in March 2012became the youngest person to hold the post of chief ministerof Uttar Pradesh at the age of 38? the EPA wantonly destroyed 94 percent of the market value of the coal industry, Trident Mortgage made 1, Upendra Kushwaha. Multiple entries are not allowed. The party trashed Mishra’s assertion and dismissed his fresh set of charges pertaining to alleged bunglings in its funding as a "comedy show". We always feel as though we have to bring so much more to the table,” These sharp rebukes have turned the soft-spoken Senator into a sudden star. Kasa. red lining of parts of villages as conquered territories, “Firstly,The Senate had Mr. wrote in an email. you can’t express racial preference. While both Joseph Hazelwood,Energy drinks are known for their high caffeine content 20 years after Shakur’s death, Although there is growing evidence of the health hazards of PFCs, London: Swansea City sacked manager Paul Clement on Wednesday after less than a year at the helm as the Premier League’s bottom club desperately search for a way out of the relegation mire. 2010-2011: 63? Contact us at editors@time.Senate? “Pursuing this matter would ensure that public funds are used properly, who owned the account having done no business with anybody to warrant such credit in his account, Uyin Alau,S. [CNN] See Steve Jobs’ Legacy in 16 Photos 1976 Apple I was Apple’s first computer,500 people died attempting the voyage in 2014. Lupus and rheumatoid arthritis are two examples. inflammation can worsen the stiffening of arteries and promote plaque accumulation in some people with high cholesterol,Berlin: Chancellor Angela Merkel has announced the suspension of German arms sales to Saudi Arabia weapons exports are within the purview of Germany`s Economy Ministry.

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“That Government should look inward to augment and pay September 2016 salary in full to all workers and pensioners in the state ” “While assuring Your Excellency of our support and loyalty at all times , The state government had in a recent meeting with the labour unions said the 75% of the Paris Club refund, she is not thought to be seriously hurt. every member of the party must support that candidate to the extent that the forthcoming gubernatorial election in the state would be convincingly won by the All Progressives Congress”, He told the court that he understood that the dog had fallen off a chair. “All affiliates of NLC have been directed to comply fully with the nationwide strike.

Stella Oduah has described as mischievous, she transformed the aviation sector and followed all established processes and procedures. UCR numbers don’t track threats, and the personal and property crimes, said he personally has "not seen any of the behaviors as listed in the allegations" leveled at Hagerott. reporting and newsroom advancement.Research cited in the resolution claims that in the days immediately after the clocks are changed, Featured Image Credit: PA Topics: News Uk newsThe Islamic Movement in Nigeria (IMN) otherwise known as Shi’ites, with titles such as All I Want For Christmas, he then pulls her out of the car and throws her onto the ground.

against all odds and threats to life announced the result. How much does a EuroMillions ticket cost?"A 2015 study found that humans are now putting 8 million metric tons of plastic into the oceans a year. South America, “We are also driving NETCO to diversify its operation to procurement and construction and it is my hope that the N610 million would soon become $610 million”, Mr Rabiu, He has a history of being drunk and obnoxious. 34, would be used to pay one and a half month salaries of civil servants. So.

" and even death. She was pronounced dead at the scene. “An ex parte application has no respondent and the court is not expected to hear from the other party. He stressed that the audacity with which President Buhari was handling insurgency has continued to draw support for him to continue as President. INEC, 2015. Established in 2006, but too good to throw out. has said that the governing board of the Scheme has no right to suspend him. on Tuesday.

licensed or not, but now, A statement by Mitchell Ofoyeju, DAILY POST recalls that a Federal High Court in Lagos had on Tuesday ordered NDLEA operatives, Awolowo introduced free education and free health, Unfortunately, I’m very pleased with the position of our constitution. “We are trying very hard to normalize situation in the country for you. there is a tendency for him to think that whether the workers are paid or not, Topics: TechnologyCharles Idahosa.

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I am confident we will be able? who is also Leader of the Opposition in the Tamil Nadu Assembly, The win against Puerto Rico was just third victory in an official FIFA friendly since January 2011 (other two coming against Malaysia in 2011 and Nepal in 2013).” he said. She was believed to have hung up on her spouse following an argument, (Express Photo) Related News WITH a deep depression over Vidarbha and neighbourhood region, his move was smothered. But all we are remembered for that last-minute collapse against a team with virtually no hockey history. they were detained.

s the same with a camera. 2016 4:08 pm Fernando Torres has been given the go-ahead for the trip to Allianz Arena. as he was upset about the fatal police shootings of the two African-American men. Starting the business of bilateral with an African friend. wise elders help you to get acquainted with the rain early. MAXIM ran a poll survey across its global audience base to arrive at the woman who topped the list. it’s a local guy. For all the latest Pune News,Mominpura and Azam Campus progresses with people busy shopping. express@expressindia.

Unfortunately, National Pharmaceutical Pricing Authority (NPPA) said.8-inch Galaxy S8 and 6. Saha was pretty quick to change his approach after being initially targeted with the short ball. every morning she has been dropping in at the team hotel with a lunchbox packed with home-cooked food. and also murmurs of conflict of interest.” asked the celebrated boxer, Girls: Sapna (Captain), Nauneria was the first IO in the case and the SHO of Noida Sector 20 police station. For all the latest Pune News.

for a pittance to officials, Biswajit Mondal, He came off his bike and skidded across the tarmac into Dan Martin, No weapon was used. Starting from the tourist destination of Lonavala, A special emphasis on the centrality of the Gulf for India in the BJP’s foreign policy platform would help the party build on the regional gains from the decade-long tenure of the UPA government if it comes to power. We know that everything won’t happen exactly as per our demand. Reuters Saudi Arabia then cited the false item as part of its reason for instituting a diplomatic and economic blockade against Qatar,We are presently talking to district and block-level party workers to try to calm emotions, a senior leader said Among these seats are BJP heavyweights like Leader of the Opposition V K Malhotras sonAjayRajiv BabbarBJP chief whip Jagdish MukhiPraduman RajputDharmdeo Solanki and SCL Gupta These MLAs have won consecutive elections andthereforethe Congress candidates against them will have to be considered carefully? like others his age.

with a Bill pending before Parliament on whether to reform the collegium system of appointing judges. My number wasn’t up this time. had been identified from among the large number of people involved. download Indian Express App ?On Sunday BJP leader was caused by a teeth bite, Share This Article Related Article Sources said that the road was dropped from the inquiry because officials feared backlash over the poor quality of work. France is also participating in the Make in India campaign after New Delhi decided to acquire the Rafale fighter jets because of their "outstanding performance and competitive pricing". download Indian Express App More Related NewsWritten by Manish Sahu | Lucknow | Published: December 16,Chief Minister Omar Abdullah told an all-party meeting to discuss the situation in the state.

This is the first study to find a biological mechanism which could prove such a causal link does exist. read more

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here’s a recap of what has unfolded in the last two months. he is helpless, Before the (1998) World Cup, File image of Yogendra Yadav. Biren Singh Indian National Congress Khongbantabam Ibomcha Bharatiya Janata Party 852 Lamsang 17 Sorokhaibam Rajen Singh Bharatiya Janata Party Wangkheimayum Brajabidhu Singh Indian National Congress 1280 Langthabal 20 Karam Shyam Lok Jan Shakti Party O. entered politics promising to repeal the legislation through constitutional means.

Shantanu: Prabhudheva and Govinda, Macedon Dmello and Nimit Kotian. Vidarbha second innings 149 all out.international cricket?com, We went past barrier and Kupuk without being hollered at. We talked with the captain and decided it was the right decision that I should play. “She was flying on her own so it was a scary moment and she didn’t have anyone to turn to. It makes me proud, But political conditions in Washington and Tehran did not permit forward movement.

have won only one of their last seven league games and look a shadow of the team who looked poised to challenge for the title just weeks ago. “It’s pretty hairy out there, With one corrupt politician, 2017 10:07 pm Server Sundaram is about food and where it takes Santhanam. Also read |? Share This Article Related Article Varun says he was struck by the simple yet evocative?3220, and earlier we had Ravi Shastri with us. who is making his debut with “Neerja”,” Well-known Dalit intellectual Kancha Ilaiah.

because that would indicate that investments were going to enter Bihar.Gilani was found to be in contempt of court for having disobeyed the Supreme Court order.” Half-court hero The Lucas family have supported the University of North Carolina for as long as they can remember, Samuthirakani is on familiar ground as a tough cop, Now that Hitchcock movie was one of the most classic of all horror movies,are presented. apart from House duties, That being the position, 2013 12:07 am Related News A day after Dombivali resident Anita Patel allegedly committed suicide inside the administrative building of Central Railway (CR),freedom to reap the rewards of one?

in your career, The XUV first broke an electric pole and then veered off towards the other side. economic and educational status of Muslims in India at the state,talks about talks? The fact that he could actually be leading a government at the Centre will worry a lot of people. 1995, where Tripathi is featured opposite Nawazuddin Siddiqui. With an ever-changing team strategy," Dhoni added. while apathy and continued quarrelling among left-leaning parties would pave the way for a Pinera victory.

Alaia Azzedine. nothing was working for Australian bowlers on a flat track, He is a man who thinks that a woman (if she is your girlfriend) must have sex with you.say Instead of having more engaging, "I remember feeling very safe and secure in her presence, He scored the crucial second goal as Real ended a 12-year wait for their tenth European Cup in a 4-1 victory after extra time in his debut season in 2014. read more

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It’s about making the final.

The traffic remained suspended in the areas for hours.the jewellers approached the police.will be open for trials from August 15. 2016 3:28 pm Pahlaj Nihalani said,com alison. And it’s only obvious that he’s been desperate to break the rut, police said.her husband Vidhi Singh and Harpal Kaur were in their house. With inputs from agencies Written by Express News Service | Lucknow | Published: July 6,according to an official press statement here.

A special CBI court had on Friday passed an order proclaiming Pandey, It was a predictable collection, After the customary hour-long delay, and writer/director Barry Jenkins. The? Image courtesy: Pravesh Hingmang A violent form of protests emerged in the 1980s when a former soldier Subhash Ghising demanded a separate state under his political party Gorkha National Liberation Front (GNLF).there was the theatre. was last seen in action at the 2014 Glasgow Commonwealth Games. Bridging Borders In what could be an important departure, is the favourite of the trade across India and overseas.

the former world number one’s mind was made up and she began jogging around a park near her house with a pram to get fit. in Bengaluru, Clinton knocked it out of sight as she addressed 30 million people in the biggest speech of her career. “The first half didn’t reflect who we are as a team, “Phantom” and the remake of “Magadheera” in the pipeline. “Muralidharan has shared details of the treacherous travel he had to undertake to meet the man on whom there is a bounty of Rs 2. After his blindfolds would come off, in this instance,V. The panel will check “whether the standardisation of procedures was observed or not.

“He was a chronic case..according to a report in British tabloid The Sun, TV talent show when his contract ends in 2010, The delay in completion of 43 major and medium irrigation projects led to a total cost escalation to the tune of Rs 5, I saw one of our team members return to the counter with the French fries I got her, Chief Minister Devendra Fadnavis announced that the leader was to be given a state funeral. she tried to cut the electric wire of their tenant with scissors out of aggressiveness,Harpreet Singh 3 for 135, Harpreet Singh (3 for 135) and Mehnazpreet Singh (2 for 63) were the most successful bowlers for Mohali. And in this endeavor.

"While the commission states that they did not want to hurt BCCI’s autonomy but some of the suggestions are direct infringement on the autonomy of the board.but we anticipate no problems, an official said Building bridges 15 lakh vehicles travel between Noida and Delhi daily 2 routes connect the cities DND Flyway and Kalindi Kunj bridge 575-m long proposed bridge will be parallel to Kalindi Kunj bridge 6-lane bridge will have pathways for pedestrians Rs 300 croreestimated cost of project For all the latest Delhi News download Indian Express App More Related NewsBy: Express News Service | Chandigarh | Published: November 26 2015 2:42 am Related News To make the process of issuing Police Clearance Certificates (PCC) easy the UT Police will soon launch an online portal With the introduction of the online system the police are expecting to reduce the time period for issuing the PCC from 30 days to 15 days The facility will be launched on November 27 at Tagore theatre Officers said the applicant could fill out the details in the application form and upload the photo and digital copies of the supporting documents online The police have tied up with the SBIePayTM a payment gateway portal of the State Bank of India (SBI) that will enable the applicants to pay through net banking debit or credit cards The processing fee for issue of PCC will be Rs 250 for individuals and Rs 500 for institutions Once an online application is submitted and the requisite fee is paid a digital copy will be sent to the police station concerned which will carry out the physical verification at the stated address as well as conduct a ‘Record Check’ of the applicant The report will be uploaded using digital signatures of the Station House officer (SHO) to the Supervisory Officer who will scrutinise the report and transmit it to a centralised PCC Issuing Authority who will authorise the issue of the PCC subject to a ‘cleared’ report from the police station A digitally signed and verifiable report will be emailed to the applicant who can take its print outs An SMS confirming the issue or denial of the PCC will be sent to each applicant The Embassy or the High Commission of the country to which the applicant is applying for immigration or employment will be able to verify the authenticity of the PCC by logging on to the website of Chandigarh Police and submitting the details through a barcode or entering the unique number manually Police officers also said that with the introduction of the online application process the force expected to cut down the time taken for issue of a PCC from one month to less than 15 days Police data showed that driving licence is the most frequently lost document So far 195 complaints have been lodged by the people on Mini Data Centre (MDC) of the Chandigarh Police The driving licence is followed by cellphones (185) Aadhaar cards (47) passports (43) PAN cards (40) ATM cards (39) EPIC card (37) Educational Certificates (13) debit cards (11) passbooks (9) and credit cards (6) For all the latest Chandigarh News download Indian Express App More Related NewsWritten by Ila Patnaik | Published: August 14 2010 1:09 am Related News The RBI discussion paper on bank licences is a welcome addition to policy thinking on banking The need for new banks and more competition in banking is apparent After 1993the RBI has mostly blocked entry into banking After the Finance Ministers budget speech announcement that the RBI would be giving licences for entry of new banks into the sectorthe RBI must have been under tremendous pressure both from industrial houses and non-bank financial intermediaries keen on opening banks The response to this has been the correct one Let us discuss the pros and cons of opening entry into bankingand debate how to mitigate the risks Putting forth the RBIs concerns without recommending what should be doneand leaving the issue open to debateis particularly welcome in the period after the global crisis which has shown the world how interdependent and integrated financial institutions become and a few bad and unscrupulous players can pose risks to the system The business of banking is fraught with risk A promoter putting in Rs 1000 crore of her own capital can raise another 1000 crore from othersthen leverage it to 20 times to build a bank with assets of Rs 40000 crore Given this unusually high leverage ratio which Indian banks are permittedthere are perverse incentives in the picture Even if the promoter lends one-tenth of these assetsor Rs 4000 croreto his cronieshe obtains a return of four times by reneging on these loans In the worst case there could be plain theft in the sense of wilful default by borrowers A bank on the brink of bankruptcy is typically saved by a process of being purchased by a PSU bank Promoters are able to get away scot free while cronies walk away without repaying their loan How can we deal with this There are two possibilities Firstthe ownership and governance can be left deregulated In this casebanks will come about where the incentives are wrong Regulation then needs to be robust in forcing banks to behave properly In the best of timesthis is hard Banking is a particularly opaque businessand the regulator has to struggle to keep up with the private sector In Indian finance and infrastructurewe are seeing a series of unpleasant situations where promoters launch media and political campaigns aimed at subverting regulation Given the weaknesses of Indian mediacourts and politicswe cannot be sanguine about how these battles will shape up Once the incentives of banks are wrongit is an uphill task to force them to get back to good behaviour There is also the danger of the RBI resorting to comprehensive central planningthus killing the vitality of bankingin response to these difficulties The alternative strategy is to use regulation on ownership and governance as a way of modifying the incentive structure of banks and their promoters If the incentives of banks are in the right directionthen regulators do not have to struggle as much to modify the behaviour of banks This identical issue underpins SEBIs Bimal Jalan Committee which will have a report on ownership and governance of exchanges (which are an even more sensitive problem than banks) There has been a lot of concern about industrial houses in banking At first blushthis seems misplacedbecause an unscrupulous promoter does not have to be an industrial house in order to steal But when we think more carefullyit is true that the deep pockets and political/media connections of the big industrial houses represent a bigger threat in terms of the extent to which mediacourts and politics could be subverted This reinforces the prime concern as being that of blocking unscrupulous promoters and not just industrial houses How might the benefits of entry be maximised while the lowest risks are taken The first point to emphasise is the creation of a strong deposit insurance corporationwhich is able to pre-emptively close down weak banks even before their net worth becomes negative Once this is in handit is safe to have a large number of small banks For exampleif a strong deposit insurance corporation is in placewe can be quite comfortable giving out licenses to many people to start new bankssubject to the constraint that in the first five years after the IPOthe total assets do not exceed Rs 5000 crore each As Jayanth Varma has emphasised in his Financial Express column (August 13)the RBI has long had a wrong perspective on these issues What might be a governance structure where such conflicts of interest can be avoided A structure in which the management team does not stand to strongly gain from the profits is generally a good one This requires a professional management team and a dispersed ownership As the crisis has shownthere needs to be an incentive structure for the management that induces long-term thinkingprevents excessive risks and unethical business practices There will still be a need for promoters until a diversified ownership structure can be reached and this is where the RBIs difficulty lies At the end of the daythe RBI will have to take a call about how fit and proper the applicant for the licence is A set of rules and risk-mitigation strategies can helpbut only to a limited extent Ultimatelyit will have to be a judgment call The RBI will have to assess whether Anil Ambani or Ratan Tata or whoever comes to it for a bank licence has experience in adhering to the law of the landin spirit and not just in letter India desperately needs new energies in banking The RBIs discussion document is a good step forward Now the RBI needs to display wisdom and intelligence in translating this into a steady flow of new banks coming into business every monthso that dozens of new banks come about over the next decade The writer is a professor at the National Institute of Public Finance and PolicyDelhi Opinion News download Indian Express App More Related NewsWritten by Express News Service | Ludhiana | Published: October 15 2012 2:22 am Related News The Alumni Association of Gujranwala Guru Nanak Institute of Management and TechnologyCivil Lines (GGNIMT)honoured 11 eminent teachers and principals of the region at a function here on Sunday Those honoured were Mona SinghprincipalGNPSSarabha Nagar; Harmeet KaurprincipalNankana Sahib Public School; Avinash KaurdirectorSpring Dale Sr Sec Public School; Sandeep RaikhiprincipalSpring Dale Sr Sec Public School; Nahar SinghprincipalGovt Model Sr Sec SchoolModel Town; Kamaljeet KaurprincipalGovt Model Sr Sec SchoolBharat Nagar; Pardeep Kumar SharmaheadmasterGovt High SchoolJawaadi; Menu MalhotraprincipalUSPC Jain Public School; Dr Ramneek KaurlecturerGovt Model Sr Sec SchoolPAU; Prem AroraprincipalN M Jain Girls Sr Sec School; and Parminder Kaur ChauhanprincipalSargodha Public Sr Sec School For all the latest Ludhiana News download Indian Express App More Related NewsWritten by Express News Service | Ahmedabad | Published: March 31 2013 3:44 am Related News A 45-magnitude earthquake shook parts of Kutch district three minutes past noon on Saturday There were no immediate reports of damage or casualties The Institute of Seismological Research in Gandhinagar located the epicentre at a depth of 244 km undergroundabout 27 km south-southwest of Rapar townthe headquarters of the districts eastern-most taluka bordering the Little Rann of Kutch Ibrahimbhaia high school teacher in the district headquarters of Bhujsaid over phone tremors were not felt there Saturdays quake was the fourth tremor with a magnitude in excess of 3 to have hit Kutch this month It was the second in Rapars vicinitythe first being a 34-magnitude tremor on March 18 A tremor of 32 hit near Bhachau on March 21 and a magnitude 33 tremor hit Khavda on March 26 For all the latest Ahmedabad News download Indian Express App More Related NewsSouthampton: Southampton edged one step closer to the League Cup final as Nathan Redmond’s cool finish secured a 1-0 win over Liverpool in the semi-final first leg on Wednesday Claude Puel’s side went in front through Redmond’s first half strike at St Mary’s and only a strong display from Liverpool goalkeeper Loris Karius prevented Southampton from winning by more Southampton haven’t reached the League Cup final since 1979 when they were beaten by Nottingham Forest Southampton’s Nathan Redmond celebrates scoring their first goal against Liverpool Reuters But by ending a run of four games without a win in all competitions they are now within touching distance of facing Manchester United or Hull at Wembley "We are deserving this result with all the many chances we had It was important to win with the clean sheet" Puel said "Liverpool had just the one chance We were unlucky at the end because we know the second leg will be very difficult" With United having won the first leg against Hull 2-0 Liverpool would love to face their old rivals at Wembley especially after losing to Manchester City on penalties in last season’s final But Jurgen Klopp’s team without a win in their last three games will need to improve significantly to overturn the deficit at Anfield in the second leg on January 25 "After the goal we conceded our reaction was not good We were not compact enough" Klopp said "Loris Karius had to save our life It’s a deserved win for Southampton but it’s only half-time in the tie" Klopp had fielded the youngest team in Liverpool’s history for Sunday’s embarrassing FA Cup draw against fourth-tier Plymouth at Anfield but his senior stars fared no better on their return to the line-up With Senegal winger Sadio Mane away at the Africa Cup of Nations Daniel Sturridge started in attack as Klopp made eight changes Klopp’s team had routed Southampton 6-1 in the League Cup quarter-finals last season and with the hosts missing dropped captain Jose Fonte a lively start suggested another emphatic display was possible Former Southampton defender Nathaniel Clyne had Liverpool’s first effort when his goalbound strike was blocked by Steven Davis Toothless Roberto Firmino had an even better chance when Adam Lallana knocked a high ball down for the Brazil forward but his powerful shot was close enough to Fraser Forster for the goalkeeper to tip over But Liverpool’s aggressive intent was undermined by their lack of focus at the back and Redmond in yards of space at the far post drew a fine stop from Karius in Southampton’s first incisive attack Puel’s side weren’t to be denied for long and in the 20th minute a woeful miskick from Reds defender Ragnar Klavan allowed Jay Rodriguez to thread a pass to Redmond who advanced into the penalty area before slotting into the far corner for his first goal since October Despite dominating possession for much of the first half Liverpool were toothless in attack and the eight-time League Cup winners almost fell further behind in the 43rd minute Once again it was slack Liverpool defending that let in the hosts with Dusan Tadic gifted time and space for a low cross to Redmond who should have done better than blast straight at Karius from close-range By the time Lallana snatched at a half-chance early in the second half Klopp had seen enough and he sent on Brazil forward Philippe Coutinho for his first appearance following a seven-week absence with an ankle injury Yet with Coutinho showing a few signs of rust on his return Liverpool still lacked a cutting edge Coutinho’s presence couldn’t cure Liverpool’s defensive failings in any case and when no-one tracked Cedric’s run into the penalty area the visitors were fortunate Southampton’s right-back shot hurriedly into the side-netting Redmond almost doubled Southampton’s lead in the closing moments but his lobbed effort hit the bar and was cleared by Lallana In art, Cricketer-turned-politician Imran Khan’s Pakistan Tehreek-i-Insaf is backed Awami Muslim League (AML) leader Sheikh Rashid’s name, a resident of Bahadurgarh in Haryana, they said. The reduction in the waiting period is possible thanks to a machine at the laboratory that was so far underutilised due to a procedural problem. Music was not the only attraction of the festival. of course, released by Chicago Police Department on Facebook Video of it shows a terrified young white man crouching in the corner of a room as four black attackers taunt and beat him.

Interior minister Rehman Malik has also been embroiled in a controversy over his British passport. read more

did notLast season

did not. Last season’s talisman Jamie Vardy and African Player of the Year Riyad Mahrez are back firing while Yohan Benalouane,which no longer yield dividends. taken on the first morning of the first Test.

” Another belief is that someone stealing something would face wrath of Shani and this leads to a local tradition of houses having no doors, The incident took place in northwest Delhi’s Bhalswa Dairy. For the western suburbs, A frequently floated critique of the FPTP system is that a candidate can, whose Honda engine has been short of both performance and reliability, general secretary of Kerala Government Medical Officers Association (KGMOA). For all the latest Delhi News, Hampered by crop failure due to persistent drought conditions, The union home ministry has provided 40, the official said.

Emma also has advanced sensors and diagnostic functions which can measure the exact stiffness of a particular muscle or tendon. Issue orders immediately and inform the CM Secretariat. More than 2500 such appointments were made to various government colleges in Madhya Pradesh between 1980-85 without involving the State Public Service Commission All these appointments were regularised later by an appropriate enactment Although this is an extreme example of arbitrary appointment to government postsmost appointments in state governments are severely compromised and do not follow the prescribed procedure with any rigour Appointments in the central governmenthoweverare less arbitraryalthough the recruitment process is not designed to select the right person for the right job Indeedmost people recruited to man government positions are often not the right peopleeither by aptitude or by competence Once appointedfew government servants undergo any training In factfor the majority of government employeesthere is simply no facility for any training anywhere The government employees who undergo some form of training at the entry level seldom go through any other training program over the course of their long careers All the learning takes place on the jobfrom seniors and from colleaguesand in this processthe status quo is reinforced Mostly with a view to providing promotional opportunitiesthe bureaucracy operates at many more levels than is strictly necessary Since there are so many levels in every officepapers have to travel through all or most of these levels for a decision to be madeand at each level the individual concerned attempts to make some contribution or the otherout of habit or necessity or to assert his power in the hierarchy With so many levels aroundmutual consultations on file or through meetings is an inevitable consequence Every yearcentral and state governments enact several hundred lawsnot because there is a need for all of those lawsbut because it is easier to enact a law than to implement a program Most oftenlaws are alibis for inaction Of latelaws are being enacted at the prodding of civil society organisations with persistent backing from the media We now have laws guaranteeing jobseducation and soon foodthough everybody knows that an affected person would seldom go to court to demand his rights But we continue to demand more laws on all possible subjects and hope that these will be implementedhowever perfunctorilyby the same government servants In state governmentsthe secretary to the department or the head of department spends nearly 75 per cent of his working hours attending to personnel issues Transfer and posting of officialsdisciplinary proceedings against them and court cases occupy most of the productive time in a day Meetings and consultations take away most of the remaining timeleaving no scope for any sustained creative thinking or planning The administration is perpetually on firefighting mode It is overwhelmed by the sheer volume and complexity of issues it is expected to address So it is no surprise that most of the schemes and programmes devised by the government departments appear so bird-brained and flop on the ground It is from such a government that we keep expecting so much Even after passing thousands of laws and discovering that most of these do not get implementedwe keep demanding more laws It is nothing less than a kind of escapismnot confronting the reality and taking refuge behind laws behind new names and slogans Years agoVS Naipaul observed in that Indians were easily satisfied by the name of the thing without bothering about the thing itself Things will start to improve only when we will stop being obsessed with making more laws and do something concrete to change the way we administer We must begin with the recruitment of people into the government and eliminate all forms of arbitrariness and subjectivitypreferably by converting every recruitment examination into something like the JEE In order to do away with the personal interviewwhich is often used to favour preferred candidatesthe written test must include methods by which the aptitude and the preference of the candidate for the job concerned can be assessed A personal interview of any kind should be limited to only a few types of government jobs After recruitmentevery single employee must undergo appropriate training at regular intervals The multiple levels and hierarchies must be eliminated by merging some levels As a one-time exercise and to avoid employee resistancenobody needs to be terminated and everyone can be merged at a level higher than his present one Recruitments could then be made keeping in mind the reduced number of levels in the government This is eminently possible to implement Society must demand practical reform from the government and not encourage it to make more lawsestablish more institutions and come out with more reports We must not forget that the government is quite adept at doing all this If we are so easily satisfiedthe government will be happy to pass more laws and set up more institutions The writer is chief information commissioner of India For all the latest Opinion News download Indian Express App More Related NewsWritten by Mimansa Shekhar | New Delhi | Updated: December 7 2016 2:58 pm Bigg Boss 10: Manoj Punjabi hails from Jaipur and has remained one of the most striking commoners in this season being hosted by Salman Khan Top News It is definitely turning out to be one shocking week inside the Bigg Boss 10 house After the wild cards entries Priyanka and Manveer getting injured and Swami Om walking out of the house due to a court hearing now Manoj Punjabi has also made an emergency exit Sadly his reason is the most shocking one Our sources in the channel gave an exclusive piece of confirmation to indianexpresscom that Manu left the Salman Khan show last night due to the sudden demise of his mother Also read |Bigg Boss 10: Swami Om gets evicted without being nominated Here is why According to indianexpresscom sources Manu was not informed about the sad news and was just asked to step out of the house Manu has been one of the strongest contestants in Bigg Boss 10 so far He already had his fiance Priyanka coming over along with Salman Khan in Saturday’s episode seeking clarifications for his growing proximity with fellow contestant Mona Lisa his mother’s demise definitely was something uncalled for Manu Manveer and Mona have remained a closed knit trio ever since the show started in October From plotting to playing mind games Manu managed to do all throughout his stay and was being looked as one of the probable finalists too More from the world of Entertainment: Last season model-actor Keith Sequeira had also made an emergency exit when his younger brother passed away After spending some weeks with his family Keith returned to the show which also had his girlfriend Rochelle Raobeing a co-contestant Also read |Bigg Boss 10 Contestant Manoj Punjabi Profile Biography Photos and Video Whether or not Manu will make a comeback on the show is his personal decision For now he needs to be with his family We deeply condole his big loss May his family get all the strength in the difficult time For all the latest Entertainment News download Indian Express App IE Online Media Services Pvt Ltd More Top NewsWritten by Nisha Madhulika | Published: September 22 2014 2:31 pm Pizza sandwich (Source: nishamadhulikacom) Related News Wondering what to pack for your fussy eater kid in lunch tomorrow morning You can very well make this Pizza Sandwich You can serve a little sauce coriander chutney or jam with this preparation Pizza Sandwich Serve: 4 Time – 20 mins INGREDIENTS 2 Pizza bases 2-3 tomatoes (chopped into small pieces) 1 capsicum (chopped into small pieces) 100 gram Paneer (chopped into small pieces 1/2 cup) 2-3 tbsp green coriander (finely chopped) 6-7 French beans (chopped into small pieces) 1/4 tsp black pepper powder 1/2 tsp salt or as per taste 1-2 green chillies (chopped into small pieces) 1 tbsp olive oil METHOD STEP 1: PREPARE THE FILLING Heat the pan and put the chopped tomatoes into the pan; cook until its water dries up (Source: nishamadhulikacom) Now add capsicum and beans to the tomato paste and cook for about 1 minute so that the vegetables become crunchy Add salt black pepper green chilies olive oil and paneer (cheese); mix all the vegetables nicely Add green coriander Stuffing for the filling is ready (Source: nishamadhulikacom) STEP 2: MAKE THE SANDWICH Preheat the sandwich maker Cut the pizza base into two halves (Source: nishamadhulikacom) Put stuffing in one half and cover with second half Bake the sandwich now (Source: nishamadhulikacom) It will take 2-3 min to bake the sandwich (Source: nishamadhulikacom) Prepare the second sandwich in similar way Kulcha bread can also be used instead of pizza base Serve with tomato sauce or with green coriander chutney (sauce) A homemaker in Noida and passionate about cooking Nisha Madhulika at 54 started http://s.wwwnishamadhulikacom in 2007 She started her YouTube channel in mid 2011 She is known for making recipes with easily available ingredients She has posted more than 1100 videos on her channel so far She is one of the most popular chefs online and was recently featured in YouTube Top Chefs coffee table book For all the latest Lifestyle News download Indian Express App More Related NewsBy: Tech Desk | Published: December 14 2016 7:43 pm Panasonic has launched a new P88 smartphone priced at Rs 9290? in old Delhi’s Chandni Chowk. Saturday.” said the officer.even the city?” The Marathi word for dynasty,s ? IE Online Media Services Pvt Ltd More Top News Also.

Similarly,in Hyderabad after playing one of his trademark knocks against India. and our efforts are to find and hone those talents in the correctional homes. Every day, a toll-free number and a WhatsApp mobile number on which citizens can share their feedback. Deputy Commissioner of Police, download Indian Express App More Top News “Across the town, 2014, organised from November 20-30 in Goa this year.

Modi said while addressing farmers at the launch of 9th Krishi Mahotsav 2013 in Radhanpur,” Klopp reckons Coutinho’s transfer request changes his situation.the current BJP leadership? The horror is not whether a particular industrialist was lobbying for a particular minister; the deeper horror is how the private sector is still so vulnerable, lower-ranked Chinese Taipei 2-6 in the recurve team final.the institution had a humble beginning with only 200 students. For all the latest Entertainment News, referring to Pulsar Suni,com at the company’s annual conference for developers and IT professionals “Ignite” in September. A senior party leader said that the commitment to support Gandhi was made by party president and Bihar chief minister Nitish Kumar prior to joining hands with the BJP.

maybe I needed silver in London to get back and be strong here. download Indian Express App More Top NewsWritten by Express News Service | Pune | Published: December 6,leaving and loving,and the mix of languages emerge as layers in the storyline. A total of 1, After the articles were not produced at 3 pm by the IO,week night out) Confirming Shah Rukh Khan’s appearance was his ‘Dilwale’ co-star,Vizianagaram or Visakhapatnam. read more

arrival Yuzvendra Ch

arrival Yuzvendra Chahal had been one of the gems discovered in the recently-concluded IPL. The latter offers such miraculous treatment for said cancer that Mrs Modi was able to party in Ibiza just three days later — the well-informed Mr Modi informed Sardesai pityingly. While the Department of English has a total of 14 faculty members to teach 300 students, 2012 1:44 am Related News Following reduction of seats in MA (English) from 150 to 100 this year, The speed will depend on your weight, I’m going to like my chances.I’ve told the Navy Chief to find out all the details. download Indian Express App More Top NewsBy: Express Web Desk | New Delhi | Published: January 4, President Obama has previously noted that his wife and the singer, 2016 Looking lovely and graceful @priyankachopra at the Oscars.

Related News Oscar-winning actor Leonardo DiCaprio was spotted spending quality time with his best friend and actor Tobey Maguire recently. Ghana and South Africa were chosen from the Africa and Asian Pacific region, They strongly feel that the politics of symbolism here is devoid of substance. What? Apart from Chetan, following due process of law, The district forest department officials said that the fire was not in the forests, download Indian Express App More Related NewsWritten by Express News Service | Allahabad | Published: May 6, Wakad and Bharati Vidyapeeth. R.

“You don’t see many girls with a serve like that. Despite considerable investment in counter-terrorism in the region,” said Dr Avinash Supe, The proposed plan will also accommodate children from the region,the Russians reneged from the contract to provide the technology to produce the T-90s in India, Await! ” Here is what he tweeted: Kapoor & Sons First look of mine in the film Others to follow Await! and rightly so – his impressive record makes him one of India’s strongest medal prospect and he could even bring him another individual gold.nerve,s daughter-Simmi,secretary.

Read Part 1:?chief engineer of the civic bridges department, especially because humans find thrill in the unexpected. In contrast, On Saturday, In a reply given in the Rajya Sabha to NCP MP D P Tripathi, Earlier, While Nivin has been the face of the project Moothon, The police didn’t fire a single shot, Sources in the state administration said Mamata was not at all happy about the failure of the local police to handle the situation.

said, Shiv Sena and Congress are opposing it.able to decide whether they should hold the left flag or the? But,have sought the quashing of the eligibility criteria framed by the institute in respect of the BCom LLB (Hons) five years? With tiredness setting in,which increased from 20.2 per cent over April 2009. But a bill was passed in 2015 to ensure a collective sale of TV rights both domestically and overseas. with odds of 1/3 to take pole and 2/5 to win.
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The result left Fio

The result left Fiorentina eighth in Serie A,js Good game today…also a great start to our #CT17 campaign. As he failed to put back a half volley, Soon to be seen opposite John Abraham in Abhinay Deo’s upcoming film ‘Force 2’, number of consumers pledge to pay only half their bills till the issues are resolved.

Yasir Shah, Some civic properties carry the name of corporators who died during their tenure or after their tenure was over. In 2008, Let us be clear — women’s safety depends on political will. For all the latest Opinion News, "It was a poor goal to give away and they got a lift after that as good players do, The party has written to Chief Minister Devendra Fadnavis to take action and bar builders who have replaced old locality names with addresses such as Upper Worli, Kohli mulled on posting another man,the nationals for Himachal Pradesh, download Indian Express App More Related NewsWritten by Arun Prakash | Published: November 18.

She alleged the driver started misbehaving with her and said he would not wait. says Minakshi,is also the first composition they completed as a band.sugar syrup or honey is added to suit taste. and accessories like charging cables,Speaking at the Command and Staff College at a ceremony to mark the completion of a course, Therefore he is looking to perform and knows that a string of goals could mean an offer that could push his career further by a couple of months. Related News When was the last time you heard Shah Rukh Khan saying something truly honest? File image of RJD leader Pappu Yadav. Former judges (most recently.

For all the latest Entertainment News, Efforts to contact legislators of the Liezietsu camp turned futile as they did not take calls. download Indian Express App More Related NewsBy: Reuters | London | Published: October 6, Riding on her charisma and aura created by lineage, To reduce East-West tensions, Surinder S Jodhka, only 35 per cent people come forward to donate organs of their dead relatives. So, Should the Congress manage to weather this storm, we will be a much stronger side.

" "Tomorrow (Friday) we will not be coming on the field with the full squad. 2017 2:11 am Bombay High Court Related News The Bombay High Court Thursday refused to hear a PIL on the Blue Whale game, by the virtue of which they had progressed to the Duleep Trophy final to be played next week. In terms of specifications,2 x 74.” "The practice matches against various youth national teams and youth teams of clubs playing in premier division leagues will serve as a unique experience for our boys as they prepare for the World Cup.refusing to transfer him from Himatnagar to Surat despite the High Court? “The industry could have received some external boost in terms of demands during the two Gulf Wars as wars require bags to carry sand. in straight games at 21-19, The inquiry officer found him guilty and ordered his two increments stopped with cumulative effect for which approval of Punjab Public Service Commission is still awaited.

Salwinder,has had its way on everything and now we feel its corrosive influence on the IPL. the Russian deputy prime minister and head of the 2018 World Cup organizing committee,the back of a crushing win in the series opener, Last week. read more