In addition, Fitch has downgraded the ratings to ‘CC’ from ‘B-‘. The bonds are secured by a pledge of gross revenues and a mortgage on certain property of the obligated group, consisting of Appalachian Christian Village and Appalachian Christian Village Foundation, Inc. A debt service reserve fund DSRF provides additional security. While ACV’s cash reserves have improved through the first nine-months of fiscal , they remain extremely low and provide no cushion to absorb additional operating losses and potential entrance fee refunds from legacy contracts while continuing to make bond payments. The timing of possible entrance fee refunds is out of management’s control and could be an imminent or longer-term pressure. The violation of the rate covenant triggered an event of default under its MTI, which exposes ACV to the risk of potential principal acceleration. ACV has not received any waiver for the covenant violation from bondholders to date. However, despite the improvement, operations remain weak and Fitch believes new management will continue to face challenges for further improvement in both operations and cash reserve levels.
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Sign up for eharmony See Details. If you’re interested in eharmony , I’m guessing you’re a serial monogamist fish in a pond of swiping app users who just don’t take dating seriously. It’s always something, isn’t it? If you’re not catching feelings for people who just want to hook up , you’re six months deep having the “What are we? Maybe you’re just plain tired of going through breakup after breakup with people you thought you were gonna marry.
Yeah, well, 10 million other people are tired of the same things, and they’ve put their love lives in the hands of eharmony : the site that claims to make a love connection every 14 minutes. If you’ve been nervous about online dating , this is one place where you’re almost guaranteed to find good intentions. We’re dating to put a ring on it, people.
Not just dating for attention or as a reason to not be alone on a Friday night. If you’re worried about the stigma that, for whatever out-of-date reason, surrounds online dating, we’re telling you to reevaluate. Dating IRL and leaving everything to fate clearly hasn’t been working either, or you wouldn’t have clicked on this. Sorry, but real life isn’t like Sex and the City where you casually bump in to a long term partner at a coffee shop or art gallery.
Technology has now made it possible to meet people you may have never known existed and who want the same thing as you, which opens up your dating pool significantly.
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Author contributions: G. Marital discord is costly to children, families, and communities. The advent of the Internet, social networking, and on-line dating has affected how people meet future spouses, but little is known about the prevalence or outcomes of these marriages or the demographics of those involved. We addressed these questions in a nationally representative sample of 19, respondents who married between and Results indicate that more than one-third of marriages in America now begin on-line.
In addition, marriages that began on-line, when compared with those that began through traditional off-line venues, were slightly less likely to result in a marital break-up separation or divorce and were associated with slightly higher marital satisfaction among those respondents who remained married. Demographic differences were identified between respondents who met their spouse through on-line vs. These data suggest that the Internet may be altering the dynamics and outcomes of marriage itself.
The rise in the Internet has transformed how Americans work, play, search, shop, study, and communicate. Facebook has grown from its inception in to over a billion users, and Twitter has grown from its start in to more than million users. The American Time Use Survey indicates that, on average, men now spend 9. The Internet has also changed how Americans meet their spouse. Meeting a marital partner in traditional off-line venues has declined over the past several decades but meeting on-line has grown dramatically 2 , with on-line dating now a billion-dollar industry 3.
Experiments in which strangers are randomly assigned to interact using computer-mediated communications versus face-to-face communications show that the more anonymous on-line meetings produce greater self-disclosure and liking as long as the interaction is not under strong time constraints 3 — 6.
Fitch Removes Appalachian Christian Village, TN 2013 Revs from Neg Watch: Downgrades Rating to ‘CC’
Edward Royzman, a psychology professor at the University of Pennsylvania, asks me to list four qualities on a piece of paper: physical attractiveness, income, kindness, and fidelity. The more I allocate to each attribute, the more highly I supposedly value that quality in a mate. This experiment, which Royzman sometimes runs with his college classes, is meant to inject scarcity into hypothetical dating decisions in order to force people to prioritize.
I think for a second, and then I write equal amounts 70 next to both hotness and kindness, then 40 next to income and 20 next to fidelity. Usually women allocate more to fidelity and less to physical attractiveness. Maybe you think fidelity is something people can cultivate over time?
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Over the past several years, the popularity of online dating has skyrocketed compared to where it originally started. In fact, dating apps and websites have given single people a convenient new way to connect with people. But, with this ease of use comes some new issues, particularly in the form of safety. For instance, interacting with strangers online can put you at risk for identity theft, online harassment, stalking, digital dating abuse , catfishing , and other scams. And, if you do decide to meet up “in real life” IRL with someone you met online, there also is the chance that you could find yourself in physical danger as well.
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Not many people have heard of Spark Networks , but far more are familiar with what it owns: JDate, ChristianMingle and a host of other sites like SilverSingles. JDate, especially, would seem to be one of the success stories of online dating. High brand recognition. Stories about happily married couples who met on the site. And last year, with the acquisition of JSwipe, it branched out into the Tinder-like market of users who swipe left or right to find love.
But, as can sometimes be the case with online daters themselves, all is not what it seems.