The best and worst place to find jobs in US

I always think that inter country migration have alot to do with where the jobs are and that is where land has the highest demand. This post that i come accross on Tech Crunch will give a good idea in 2009 where job migration would likely to flow to.


The unemployment rate in the U.S. was still 9.4 percent in July, but some cities are better than others to look for a job. Of the top 50 metro areas, Washington, D.C., is the easiest for unemployed workers to find a job, while Detroit is the hardest, according to a new Job Market Competition index put together by job search engine Indeed.

The index ranks cities based on how many unemployed people there are compared to job listings. For every one unemployed person in Washington, D.C., for example, there are six job postings. Whereas in Detroit, there is only one job posting for every 18 unemployed people. The higher the ratio of job postings to unemployed, the more chances there are of landing a job.

The top ten cities in the index for finding jobs (and their corresponding ratios of job postings to unemployed) are:

Washington, DC (6:1)
Jacksonville, FL (3:1)
Baltimore, MD (1:1)
Salt Lake City, UT (1:2)
New York, NY (1:2)
San Jose, CA (1:2)
Hartford, CT (1:2)
Oklahoma City, OK (1:3)
Austin, TX (1:3)
Boston, MA (1:3)

The worst ten cities for job searches are:

41. Buffalo, NY (1:6)
42. Orlando, FL (1:6)
43. Sacramento, CA (1:6)
44. Rochester, NY (1:6)
45. Chicago, IL (1:7)
46. Portland, OR (1:7)
47. Los Angeles, CA (1:8)
48. Riverside, CA (1:9)
49. Miami, FL (1:10)
50. Detroit, MI (1:18)


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Walton Advertises Atlanta Georgia as a good land banking destination

Today my friend sent me another advert on Walton's latest land banking opportunity. I dunno if it is highlighted by him but it looks to me like those corny sure make money scheme. rather distasteful.

LAUNCH OF CONNER GREENS Project (ATLANTA, GEORGIA)

How have you been? Just wanted to keep you posted of another Great Unique Project!

The last time we had a project launched in this region, it was snipped up within a month! In fact, with the previous project, US$17 Million was Sold Out in 10 days!

And Now, we are glad to launch another INCREDIBLE ATLANTA Georgia Project! Let me Introduce to you:

Project CONNER GREENS!

Project CONNER GREENS is an Excellent Project with a Limited Window Opportunity available.

This project has a Shortened Anticipated Holding of 3-5 years Exit Time Frame for our clients! (Our average project time frame has been 4-6 years).

As with our other projects, our Goal has always been to achieve a return of 15-20%pa for our clients in an Asset Based vehicle within major growing regions identified in the path of development.

With the current financial market sentiments, many of our clients felt Diversification into Land Banking with Walton created an Excellent Balance of their Portfolio, giving Reasonable Returns in a Safe Secure manner. A great hedge against Inflation.

More than 60% of our own staff, including myself, had already invested into Georgia Atlanta Project!

Project Summary of CONNER GREENS (Location: ATLANTA, GEORGIA):

· Georgia – Top 10 Fastest Growing State in USA (Over 1 million people added in last 8yrs!)

· Jackson County – Top 25 Fastest Growing County out of 3,141 counties

· Atlanta – Home to HQs of 12 Fortune 500 companies (Coca Cola, UPS, Delta Airlines, Sun Trust, Newell Rubbermaid, CNN, etc)

· CONNER GREENS project location – Encroached by not just 1, but 3 major Growth Cities of Downtown Atlanta, Athens and Gainesville.

· CONNER GREENS project location – Surrounded by a massive 8 Industrial Business Parks.

· CONNER GREENS project location – Excellent Access to Trade Corridor, at heart of a network of 4 major Highways (I-85, US-129, US-441, US-29)

· Located next to 3 current Residential Developments (Jefferson Residential, Arcade Residential, US-129 Athens Residual)

· Excellent Planning Advantage – Comprehensive Plan Updated in Feb09, Zoned R-1 Residential.

· Secured Regional Waste Water Treatment Rights – Walton is now the Regional provider, solution provider and controller to the Water Source to other developers and land owners.

· Consideration for Annexation into Arcade City!

· Place of Great Demand – Huge Neighbouring Residential Homes Adjacent to CONNER GREENS!

With the consideration for Annexation into Arcade city limits, and Walton Development Management’s focus on increasing plot densities on Conner Greens, and with our excellent governmental relations to help Arcade City to Grow and Expand, we anticipate a 3–5 year exit time frame!

KEY ADVANTAGE:

YOU ARE AQUIRING CONNER GREENS LAND BEFORE ANNEXATION PRICE OF $63,562/ACRE!

ONCE ANNEXED INTO ARCADE CITY, CONNER GREENS WILL BE WORTH $82,500/ACRE!

Conner Greens Project Pricing: USD$63,562/acre , USD$10,000/unit

Anticipated Hold Period: 3 – 5 years

This Project is a Great Plot to consider if you can take advantage of this!

Do give me a call or email me and I will be glad to assist you.

Once Again, Welcome to Incredible ATLANTA!

Open House, anyone? 1 in 9 homes sit empty

CHANDLER, Ariz. — The white notice taped to the front window of a luxury home in the Vasaro subdivision is a telltale sign.

"Bank-owned," says real estate agent John Groves, without skipping a beat.

There are other clues. Dirt where a lush lawn should be. Vacant lots on either side. And the sale price: $729,900 for a never-lived-in, 5,500-square-foot, five-bedroom, 3.5-bath custom home that about a year ago was listed for more than $1.2 million.

In a nearby subdivision of this community of 246,000, one of the largest suburbs in metropolitan Phoenix, a foreclosure sign in the front yard of a more modest house signals yet another financially troubled home needing a buyer.

Multiply that scenario hundreds of thousands of times. From Maine to Hawaii, millions of new McMansions, post-World War II bungalows, modern downtown lofts, exurban town homes and inner-city row houses sit empty. This unprecedented glut of vacant homes — one in nine homes across the USA, according to the Census Bureau — will change the real estate landscape for years.

Already, rock-bottom prices in the hardest-hit markets are attracting first-time home buyers who could not afford a home during boom times. Some areas may see real estate values stabilize by the end of this year, as buyers seeking bargains begin to reduce the backlog of homes for sale. At the same time, the availability of rental housing will widen, potentially pushing down the cost of renting.

"We overproduced by 1 million new units," says Edward Glaeser, economist at Harvard University. "Now we have to work our way through the stock."

What happens to the 14 million empty houses, condominiums and apartments and the 9.4 million that are for sale? How long will it take to absorb this massive and unprecedented oversupply of housing?

"Two more years," Glaeser says. His is one of the more optimistic estimates. Projections by housing analysts range from as early as this year in some areas to as late as 2014 in others.

"From a pure need for shelter, we don't need more homes built for the next several years," says John Burns, head of John Burns Real Estate Consulting in Irvine, Calif., who believes the recovery might take five years in some areas. "We clearly overbuilt."

Demand slackens

The nation's housing stock increased by 8.65 million units from 2002 to 2007 — a time when the number of households in the USA increased by only 6.7 million. Even after taking into account the need to replace homes torn down or lost to fire and other disasters, there is an excess of 1.3 million units, not including vacation homes.

The nation adds about 1.5 million households every year, but that number is shrinking. The recession, delayed marriage and a slowdown in immigration all have reduced the demand for more housing.

SHARE YOUR STORY: Are you seeing more vacant homes in your area?

The bad economy forces many young people to live at home longer if they're single. Sharing a home with friends or relatives may be the only affordable option for many who can't keep up with house payments.

"When you have an economic crisis, you can move in with Mom and Dad, take in roommates or move to Mexico, but I don't think there's much household formation," Burns says.

"The highest rate of increase in homeownership (typically) is in ages 30-44, and there are fewer of them," says William Lucy, professor of urban and environmental planning at the University of Virginia. "Those are the likely childbearing years."

Since 2004, the number of households in that age group has dropped by 1.6 million.

The overall U.S. population, however, is still expected to grow by almost 100 million, to 400 million, by 2040 because of strong fertility rates and continued immigration. That will fuel demand for more housing.

Today, homes are still being built — about 700,000 this year, says Arthur C. Nelson, director of the University of Utah's Metropolitan Research Center.

The U.S. will need all this housing at some point, says Robert Lang, head of the Metropolitan Institute at Virginia Tech. "Population is still growing, and sooner or later, you'll want to move out of relatives' basements."

Burns fears that some working-class subdivisions on the far edge of metropolitan areas will turn into "exurban ghettos" as prices drop and many units are turned over to renters.

The Department of Housing and Urban Development is doling out $731 million to 48 states to buy and rehabilitate vacant, foreclosed homes and help low- to moderate-income families buy them.

Regional differences

Susan Wynalek, 53, hasn't witnessed the consequences of the real estate collapse firsthand — only on the news. She doesn't see foreclosure signs or many "For Sale" signs in Freehold, N.J., the affluent town in the far reaches of the New York suburbs, where she lives.

"We bought our house 3½ years ago, and I imagine on paper we're losing money," she says. "But we're staying put."

Just as the housing crisis has hit some areas more brutally than others, the recovery will reach some before others.

"The geography of this is important," says Lucy, who has analyzed foreclosures.

More than half of foreclosures last year were filed in just 35 counties across 12 states.

After analyzing government housing data and estimates and projections by Woods & Poole Economics, an independent economic forecaster, Nelson predicts that housing markets in the West and South — regions hardest hit by foreclosures — will start to bounce back later this year and the first half of 2010. The Northeast and Midwest will have the slowest comeback — possibly beyond 2012, he says.

Nelson adds a cautionary note: "Keep in mind that 'recovery' does not mean 'happy days are here again' " but "that there is sufficient pent-up demand for new housing as to warrant new construction."

Prices won't bounce back much, at least initially. When the recovery begins, homes will be selling at the lowest prices this decade, Nelson says.

Opportunities for some

There's an upside to the nation's housing glut, fed by the crush of foreclosures: Housing gets more affordable.

More than 2.3 million homes went into foreclosure last year. There were 290,000 filings in February alone, up 6% from January.

The number of homes for sale in 2007 soared to 10 million but inched back to 9.4 million in 2008, as construction of new homes slowed and prices sank, Lucy says. That's still almost 40% higher than 10 years earlier, when fewer than 7 million homes were for sale.

Sales of existing homes rose 5.1% to 4.72 million from January to February — the largest sales jump since July 2003, the National Association of Realtors reports.

The surprising increase was driven by buyers taking advantage of big discounts on foreclosed homes. The median sale price was $165,400, down 15.5% from a year earlier and down 28% from their peak in July 2006.

First-time home buyers who could not break into the housing market in the boom years are prime buyers now that prices are at or near bottom and mortgage interest rates are below 5%.

Buyers aren't the only ones benefiting.

Business is soaring for Kennedy Wilson Auction Group, based in Beverly Hills. The company sold more than 1,000 homes at auction last year, a jump from the 120 to 175 homes it auctioned five years ago. The firm has conducted auctions in new luxury developments in Scottsdale, Ariz., Seattle and Southern California.

President Rhett Winchell says that 90% of his customers buy to live in the homes. The rest are investors.

"The format allows first-time home buyers to buy the house of their dreams," he says. "People buying today are getting huge discounts over a year ago. … It's all about price."

His company auctions the units to help developers sell them fast. A unit that would have been on the market for $500,000 sells at auction for between $350,000 and $400,000.

Auctions that sell foreclosed homes — old, new, small, big, homes that banks want to get off their books — appeal to investors who are betting on a turnaround and can get rental income in the meantime.

Another side effect on housing: The demand for rentals has risen since the housing market tanked. Apartments that had been converted to condominiums at the peak of the market have reverted to apartments.

When someone loses a home for failure to make the payments, "they will either most likely rent a single-family home or rent an apartment, but they're not likely to go buy another home," says Elliott Pollack, CEO of Elliott D. Pollack & Co., a real estate and economic consulting firm in Scottsdale.

Tighter credit and stricter mortgage qualifications are likely to push homeownership down from the record 67% it reached this decade to about 63%, Nelson says. "Half of new housing will have to be rental," he says.

Hints of a turnaround

Here in Maricopa County, Ariz., the number of foreclosures ranked 24th in the USA last year — not far behind areas such as Riverside, Calif., Las Vegas and Fort Myers, Fla.

In Maricopa County, there were 117,000 foreclosure actions or one for every 13 households, according to real estate listing firm RealtyTrac. That's six times the number recorded in 2006.

It's not the first real-estate meltdown for Phoenix and suburbs such as Chandler. The savings-and-loan crisis in the late 1980s and early 1990s that resulted in the failure of more than 700 savings-and-loan associations hit this region hard and halted development for a while. The government formed the Resolution Trust Corporation (RTC) to liquidate real estate and mortgage loans held by the savings and loans.

The S&L crisis, however, was less sweeping than the current mess, local officials and housing analysts say. It affected commercial construction and developers rather than homeowners.

At the time, many large, master-planned communities already had streets, sewer and water lines and other infrastructure in place but only a half-dozen homes built.

As soon as the RTC took over, developers bought the ready-made subdivisions and started putting up homes. Credit was still available through banks and other lenders.

"The S&L stuff wasn't people moving out of houses," says Jeff Kurtz, Chandler's acting planning and development director. "It was just that growth stopped."

"It was nothing compared to now," former Chandler mayor Jerry Brooks says.

In suburban Phoenix, however, signs of life are sprouting, says real estate agent Groves, 53.

One of his clients is relocating from Southern California and wants to buy two homes, one to live in and one for investment.

Another client, a local buyer, is ready to pay cash for a house he can rent and resell later.

At a recent get-together with friends and colleagues, "absolutely every Realtor at the table was telling stories of how they've got more buyers than they can handle," Groves says.

"It tells me that prices have reached the point where people perceive value."

Foreclosure Map of Walton’s Land Banking Opportunities

I manage to find this foreclosure map for 2008 US States. The redder the denser the foreclosure. The interesting thing is that Pheonix area have been particularly hard hit.

As usual i would have to do my research on the relation of foreclosure to land banking.

3 Cities’ Land Bank you can invest through Walton International

My friend told me that Walton’s next opportunities lies in US land. The brochures that he provides are link to these 3 Places:

1. Tucson, Arizona
2. Hunt county, Texas
3. Jackson County,  Georgia

Here i have provided links for friends to find out more about the places.

Walton offices raided in Malaysia

Bank Negara raids Walton International’s office

Malaysia´s Bank Negara raided Walton International Property Group (M) Sdn Bhd offices in Kuala Lumpur, Kota Kinabalu and Kuching on 5 March under the Exchange Control Act (ECA) 1953, reported The Edge.
The central bank´s raids were carried out simultaneously following complaints received from members of the public.
Bank Negara had also seized relevant documents from the company for investigation.
The central bank had on 6 March also advised the public to be cautious with land banking schemes promoted by the company.
"Any elements of deposit-taking activities and public offerings such as ´interest schemes´ or investment in real estates schemes (REITs) should be referred to the appropriate authorities such as Bank Negara Malaysia, Suruhanjaya Syarikat Malaysia and Suruhanjaya Sekuriti," the bank said.
According to Walton International, it does not distribute real estate investment trusts (REITS), nor does it offer deposit-taking or interest schemes.
However, it offers clients the opportunity to purchase ownership of high-quality land in highly-researched and carefully-selected growth areas within Canada and the US.
"Walton operates to the highest ethical and business standards, here in Malaysia and around the world," Walton Asia chief operating officer Kent Britton told The Edge.

Martin Lee have a good write up on UK Land Banking

My fellow blogger Martin Lee or Mudnik did his research on UK Land Banking.

It looks to me UK Land banking is highly lucrative if planning permission can be obtained. However, there are pretty much alot of news good and bad about it.

[Investing in UK Land >>]

A good counter argument to the post before

I mentioned a reply from Project senso site on the pitfalls of Walton Land Banking. Here is a counter argument to xLawyer’s view:

Since we are here to discuss and learn from each others, I'll share my own insight. 

xlawyer provided his views, which is valid for a man on street learning about land-banking for the first time.
However, to an educated investor, all the concern can be managed and are part of the risk taken by an investor.

Walton already made huge profits by selling 90% of the land they acquired to the investors. Land that’s worth only $1000 may be sold for $20000. We have no idea what is the actual value of the land.

A pair of nike cost less than US$2 to be produced in Vietnam. Yet local retailer will pay S$40-50 to buy them in bulk and consumer pay $150-200.
If you have not done any background research,...yes, you won't know the actual value of the land.  However, market research info is readily availabile, try CB Richard's website and you will know how much the land cost. Be an educated investor.

- Walton also earns from installment plans taken up by investors. I was baffled when the consultant insisted that an installment plan at 11.95% is a better option compared to lump sum investment.. Citing reasons being .. high profit goes into high tax bracket.

Don't take the loan lor.  Financial management is a personal responsibility.
There are many Singaporeans with huge credit card debt and paying 21% compunded interest, yet signing a credit card is preceive as a cool thing!
If the total payment is less than 10% your desposible cash, pay full.  Else, take the loan and pay up as soon as you have the liquidity.

- If freak happens and proposal for development doesn't get through, Walton loses that 10% while investors 90%, But refer to point 1. Walton doesn't really make any loss since they have already earned from the initial deal by selling the land to investors.

You'll need to make sure you invest in land that are already zone for development.  For those that are not, what's the growth in the region and what the projection.  You can check with the city council for their plans.
Just like in Singapore,  even Pl Ubin & tekong have initial plan for residential development and it will develop sooner or later, but will you invest ....on the other hand, land around Potong Pasir was schedule to be developed 20 yrs ago but did not happen due to you know what....will you invest now that old chiam may be too ripe....so, do you homework and don't simply listen to the company.

- Investors are exposed to exchange rate risks, as it's traded in C$, they might have ended up paying more and getting less than expected due to rates fluctuations. There is no guarantee to currency stability when time is involved, past performance is no indication for subsequent similar results.

Every heard of hedging?  Then again, if you are investing in 1-2 units, the 10-20% current exchange risk is managable.
Just like when you buy a car, you are taking on the 30-40% oil price risk to keep you car operational and of any use.  Even with that, it's value is going down everyday.

- Their theory of low risk (or no risk as claimed) but high returns is much against all investment principles. It could be no risk to Walton since they earn at the head start, but a different story for investors.

If you go by this principle, you should not buy a HDB flat because HDB earn a lot of money right from the start.  You should not also invest in any private land properties because URA made huge amount of money right from the start.  The developer also earn money by makring up 40-60%.

Low risk is relative to how else you will invest that money that you have.
Compare to stock, is it more risky?
Compare to funds, is it more risky?
Compare to US$, it it more risky?

- Investors may own the deed to the land, but it does not represent what they have paid for and will get in return. The piece of land which they paid $20000 for might just worth $1000 and that's what you get in return.

Check CB Richards website about the land value.  Don't speculate.

- Great examples quoted in their presentation based on past performance could be during the good years of Canada's real estate history, it could be blooming at the instant, but doesn’t guarantee the same for the next decade or two.

The same when you invest in anything else.  Stock, fund, sg properties....US$...
Basically 2 countries in my portfolio will continue to achieve stable growth. Australia & canada.  Why?  Small population releative to their large mineral deposit.  With China, Japan & US fight for the minerals.  You decide.

- There is also no guarantee that Walton's proposal for development will be accepted by the Canadian govt. Investors are investing in a hope that it will happen, a piece of land that’s rejected for development is worthless.

Do research on the founder of the company and the management team.  When you know them, research on their link with the Govt.   Then invest like an educated investor.

Similiarly, will you buy Capitalland's stock with the apporval for 2 IRs?  Will NCS or SCS get part of the IT contract with the recent increase govt IT budget?

- There may be a money back guarantee or the sell-back option, but will there be a penalty fee or admin charge for that? It can't be as good as 100% cash back business. And just how easy is it to get back one’s money?

Will you invest hoping to just get back your principle?  If you make an un-educated investment, a speculative investment yes, you need such guarantee.  
When you make an educated investment, sell-back option are useless papers.  They only provide such options to silly Asians investors.  It's call fake security...totally useless. if you believe it's profitable investment.
Many silly investors will resell their units when the price goes up 20-30%.  Smart investors will keep buying the resale units as the waiting timeframe are shorter.
Think about it and decide what kind of investors you wanna be.

A reader’s summary of Walton’s Land Banking as an investment

I used to visit Project Senso abit. Now i totally don’t but this guy (xLawyer)  posted back in 2005 did come up with a comprehensive summary of what he would be getting himself into if he invest with Walton:

From my days of reading and scrutinizing this excellent deal

All I can figured from the stack of propaganda by Walton is that

- Walton already made huge profits by selling 90% of the land they acquired to the investors. Land that’s worth only $1000 may be sold for $20000. We have no idea what is the actual value of the land.

- Walton also earns from installment plans taken up by investors. I was baffled when the consultant insisted that an installment plan at 11.95% is a better option compared to lump sum investment.. Citing reasons being .. high profit goes into high tax bracket.

- If freak happens and proposal for development doesn't get through, Walton loses that 10% while investors 90%, But refer to point 1. Walton doesn't really make any loss since they have already earned from the initial deal by selling the land to investors.

- Investors are exposed to exchange rate risks, as it's traded in C$, they might have ended up paying more and getting less than expected due to rates fluctuations. There is no guarantee to currency stability when time is involved, past performance is no indication for subsequent similar results. .  

- Their theory of low risk (or no risk as claimed) but high returns is much against all investment principles. It could be no risk to Walton since they earn at the head start, but a different story for investors.

- Investors may own the deed to the land, but it does not represent what they have paid for and will get in return. The piece of land which they paid $20000 for might just worth $1000 and that's what you get in return.

- Great examples quoted in their presentation based on past performance could be during the good years of Canada's real estate history, it could be blooming at the instant, but doesn’t guarantee the same for the next decade or two.

- There is also no guarantee that Walton's proposal for development will be accepted by the Canadian govt. Investors are investing in a hope that it will happen, a piece of land that’s rejected for development is worthless.

- There may be a money back guarantee or the sell-back option, but will there be a penalty fee or admin charge for that? It can't be as good as 100% cash back business. And just how easy is it to get back one’s money? Selling in the open market is also an option, but just how easy will it be to find a buyer ?
No vested interest .

This plan can only take up 5% of my entire investment portfolio, certainly not for retirement as suggested by Walton.

From the looks of it, investors are taking on more risks then the company, or rather the company ain’t taking much risk of the plan gone bad.

Why invest with Walton for Land Banking?

For Walton, why they are different from other land  banking companies are their experience in managing their investors investment.

Land banks will only increase in value when people want it. And people will want it if it is useful to them now or near term. if people don’t want it, then it is just a piece of useless raw land. Value will not increase.

According to Walton they add value to raw land through their for strategic process: Acquisition, Syndication, Planning and Exit.

What this basically means is that Walton will do in-depth analysis to choose the best location that are likely to interest developers. this would normally be at the outskirts of a city. Walton would also analyze the population trends etc to determine if this is a good area to sell to investors.

Then, after acquiring the land, they will plan and conceptualize what can be develop on this land which will then be presented to government to get approval.

Every step of this, increases the chances and risks that this land will not end up as a barren useless land that the investors will wait god-damn long years to exit, thus mitigating investment risks.

It is through these 4 strategic trusts that Walton aims to differentiates from competitors.

An off beat contact with a Walton Consultant

Its been a while since i met up with X since our university days. Back then he comes across as one of the fun ones that would rather have around given the tremendous stress of school work and all.

Since those days, programming and IS have been the furthest from his mind right now. He was working at DBS and recently he has join Walton International  Group. Walton is essentially one of a few land banking institutions that is on the look out for investors. And perhaps the most well known to me since they have the most consultants thus reaching more people so more news about what they do.

I would rather leave out the details in the next post. But what is land banking. Essentially from  Wiki,

Land banking is the practice of purchasing land with the intent to hold on to it until such a time as it is profitable to sell it on to others for more than was initially paid. Land is becoming increasingly popular as an investment due to the benefit of its being a tangible asset as opposed to Shares or Bonds. This type of investment has gained such popularity it is now possible to land bank worldwide and there are several firms set up to offer opportunities to do so.

Parcels of land desirable for “Land Banking” are those that lie directly in the growth path of rapidly developing cities. The initial goal is to buy undeveloped land that will increase in value because it lies in the path of urban growth. The key is to identify these parcels well in advance of the developers and wait for their values to mature. With diligent research, financing and managing of a land banked property, one may be able to realize a profit upon the final sale.

What are the kind of returns are you looking for?

Based on the track record of Walton, many of their land parcels have been closed with a greater to 10% yield. The yield will depend on the number of years that you have to wait for the land to be  acquired, contracted, syndicated, planned and managed or exited by Walton.

How long will normally a piece of investment gets closed?

Meaning when will you be able to cash this out. This would really depend on whether this piece of development or land gets interest from developers. It could take a short 3 years to over 10 years. That is according to the Walton brochures that i have.

I will continue posting for the subsequent days.