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Dan Walters
Dan Walters: Ballot measures have become game of hide-the-pea
Writing California ballot measures has evolved – or degenerated – into a game of hide-the-pea.
The trick is to write a measure that contains the main thing its sponsors want, but encase it in other stuff that, they hope, will sway enough inattentive voters to win approval.
Examples abound, but a classic was the 2010 ballot measure, backed by Democratic politicians and their allies, especially public employee unions, that lowered the legislative vote requirement for state budgets from two-thirds to a simple majority.
The real goal was to take minority Republicans out of the process, and allow majority Democrats to write budgets unfettered – in other words, a power play.
The pitch to voters, however, was that it would eliminate unseemly stalemates on budgets and allow them to be enacted by the constitutional deadline of June 15 each year.
To reinforce that supposed purpose, the measure contained a seemingly harsh penalty on legislators if they missed the deadline – forfeiture of pay during any delay.
The very next budget was a test.
Gov. Jerry Brown vetoed the first version as unbalanced, and Controller John Chiang cut off legislators' pay. A new budget was hastily enacted, based on what turned out to be a fanciful expectation of $4 billion in additional revenues.
Legislators were incensed and sued Chiang, contending he acted improperly. A Superior Court judge agreed, declaring that the Legislature itself was the only judge of whether it had met the deadline, and an appellate court ratified that ruling.
Bottom line: The penalty portion of the 2010 ballot measure is, essentially, inoperative. Legislators are now free to do whatever they wish on the budget.
Seeking ways to bypass what the voters were told they were enacting is, however, not confined to the budget case.
In 2008, voters narrowly passed a $9.95 billion bond issue for a north-south bullet train, with assurances that the project would meet many specific conditions.
Last year, a Sacramento judge ruled that some of its conditions had not been met. Gov. Brown now wants appellate courts to intervene, contending that since the Legislature appropriated bond money, the conditions have been met.
It could be a ploy to make judges bear the onus for killing the unpopular project. But if Brown is serious, it continues a pattern of voters being told something to win approval of ballot measures, only to have assurances sidestepped later.
Finally, a pending ballot measure would raise the state's long-standing $250,000 cap on pain and suffering damages in medical malpractice cases, but that's obscured by wordy provisions about curbing doctors' drug abuse and controls on overprescribing drugs – stuff that might be attractive to some voters.
Is it any wonder California voters are so cynical about their politics?


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Album release: Quality Street by Nick Lowe
Label: Proper
Release date: 28 October
When Nick Lowe was approached by his record label about making a Christmas album, his reaction wasn't exactly one of comfort and joy.
"It was more disquiet and alarm, accompanied by feelings of 'Do they really think I would wish to sully my good name on this tawdry and vulgar commercialism?'" Lowe says with a laugh. "But that feeling lasted about thirty-six and a half seconds, before I came to and thought, 'Vulgar, tawdry commercialism? Yes, please, when do we start?' Seriously, I thought, 'Wait a minute, this could be really good fun.'"
Though Lowe admits the holiday season was for many years something he "suffered through a bit," that changed when he became a father for the first time in 2005. "There's no doubt that since I had a little boy, I've sort of rediscovered some of the joys of Christmas," Lowe says.
And the joys of Christmas infuse the dozen songs on Quality Street: A Seasonal Selection For All The Family (the title is a nod to a famous UK manufacturer of holiday sweets, while the Wes Anderson-ish cover image was conceived by Lowe's wife, designer Peta Waddington).
As Lowe assembled his band and began thinking about how to add a new twist to the seasonal songbook, he made one rule. "We tried to make it a sleigh bell-free zone," he says. "Really, what we wanted to do first was find songs either which people hadn't heard millions of times before, but which were really good songs that we could get our teeth into and change them around," Lowe continues. "Or if we were going to cover songs that were well-known, we wanted to do ones that we could put a brand new suit of clothes on.
"The third option, of course, was to write some of our own, which is a bit of a taller order. You can knock out some jingle bell thing, but that's not what we were trying to do. We were aiming for something which had a bit of quality to it. It all sounds straightforward and easy, but it was a lot harder to get the material together than you might think."
Though Lowe had planned to start recording in the weeks leading up to Christmas, a spell of ill health pushed the project into the new year, a time when most of us are relieved to be free of stockings and Santa for another eleven months. "When we started, I was really convinced that we needed to use the energy of the Christmas we were about to have to fling ourselves out into the new year, and into spring," Lowe says. "We thought we might have to festoon the studio with holly and Christmas cards, and put up a tree. But not at all. It was just a good time and a laugh throughout. And when we finished, it was almost like somebody had woken us up from a dream."
The result is indeed a dream to listen to - a twinkling blend of traditional hymns, forgotten gems and Lowe originals that conjure up all the nostalgia, good cheer and warmth of the season. From the opening giddy-up of a rockabilly-charged Children Go Where I Send Thee and the comfy cozy hush of Christmas Can't Be Far Away, the record deftly slaloms through such highlights as the beatnik bop of Hooves on the Roof (written especially for the project by Ron Sexsmith), Roger Miller's wistful classic Old Toy Train and a New Orleans-style Silent Night before wrapping up with a ska-flavored take on Wizzard's 70s-era glam hit I Wish It Could Be Christmas Every Day.
But at the heart of Quality Street are two Lowe songs surely destined to become future seasonal standards. Christmas at the Airport is a playful take on the travel tie-ups we've all experienced, complete with Ray Conniff-style backgrounds punctuated by terminal p.a. voiceovers. Meanwhile, the stunning I Was Born In Bethlehem unfolds as an inventive retelling of the nativity. Lowe says, "It's this amazing story that everyone knows, but I was trying to write it as if you'd met Jesus on a plane, and he just started chatting away about that night. I tried to make it very conversational and sort of matter of fact."
That kind of conversational feeling is also part of what continues to make Lowe one of pop music's most natural and likeable singers. With a voice that keeps getting richer and more nuanced with age, he has the kind of unfussy delivery that communicates directly to the heart, but always with a dash of wry humor. Thus, the perfect instrument to cut through all the shiny commercial wrapping that so often obscures what's important about the season.
While Lowe's own childhood holiday memories are full of gifts of plastic guitars and Davy Crockett hats ("All kids in Britain got the same four toys," he laughs), along with big family gatherings, he says that the genre of Christmas music "doesn't really exist in this country."
"The Brits are just too uptight about the whole thing," Lowe reckons. "We've got a few good Christmas songs. But the Brits just do not enter into that whole-hearted spirit of embracing the schmaltz and corniness of it like the Americans do."
Which is why he is slightly tempering his expectations for Quality Street. "I think it's a good record, but then, Christmas records don't exactly set the pulses racing," he says with a chuckle. "While I was working on it, people would say, 'What are up to?' and when I'd tell them, this look would come across their face, like, 'Oh my, is that the best he can do?' They didn't realize that we had a ball doing it. There's nothing desperate about it. We wholeheartedly enjoyed it.
"So, maybe it won't do anything in Britain," Lowe says. "But I have higher hopes for it in the United States, where people have a different attitude to this sort of thing."
Here or abroad, anyone who likes their Christmas soundtracks with plenty of heart and humor, and a sprinkle of understated charm, will enjoy Quality Street for the newly minted classic that it is. You might say it's the kind of record that gives vulgar, tawdry commercialism a good name.
More informationIf you would like some more information about this release, or would like to contact us about interview opportunities / review copies, just contact us via our press enquiries form.
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subset: commoncrawl


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WESTMED Practice Partners has established an acclaimed reputation for quality of healthcare and use of state-of-the-art healthcare information technology. The coordinated, efficient and quality care delivered by its flagship medical practice, WESTMED Medical Group, was the platform for the launch of the WPP management services company. On this page you'll find links to articles and video segments citing comments from our company's leaders in medical publications and the media.
Mount Sinai Opens Outpost in Brooklyn Heights
New Brooklyn Medical Center Opens
The Atlantic, April 25, 2013, "A Prescription for Information Overload," a blog by Dr. Simeon Schwartz, chairman and CEO of WESTMED Practice Partners and president and CEO of WESTMED Medical Group, go to http://bit.ly/ZAGZpY
Dr. Simeon Schwartz, CEO of WESTMED Practice Partners and President of WESTMED Medical Group, was quoted in the October 15, 2012 issue of Crain's New York Business about his vision for the changes in healthcare. He said, "Community hospitals will not be as relevant to health care in the future. Ambulatory-care facilities can be built at a fraction of the cost of saving an ailing hospital." To read the full article, go to http://bit.ly/R1cbsL
Westchester Business Journal, May 25, "Spreading a Healthcare Model: Partnership of Mount Sinai Medical Center- WESTMED Practice Partners Announced."
Crain's Health Pulse, May 23, 2012, "Mount Sinai's Brooklyn Outpatient Outpost: Developed with WESTMED Practice Partners."
914INC. magazine, Second Quarter 2012: "Healthcare Roundtable: Westchester County Experts Discuss the Financial State of the Healthcare Industry: With nearly a fifth of Westchester's labor force working in healthcare, local experts discuss the industry's financial prognosis" (featuring Dr. Simeon Schwartz, President and CEO, WESTMED Medical Group, and Chief Executive Officer, WESTMED Practice Partners).
AMGA Conference Presentation, San Diego, March 9, 2012, Dr. Simeon Schwartz, President, WESTMED Medical Group: "HITECH Readiness for Accountable Care Delivery Systems."
914INC Magazine, January 30, 2012, "Worst Human Resources Mistakes and How to Avoid Them", quoting Joseph DiCarlo, WESTMED's director of human resources.
Westchester Magazine, April 15, 2011: "Five Businesses Honored at 2011 Business Council of Westchester Hall of Fame Dinner" (including WESTMED Medical Group as recipient of the "Entrepreneurial Success Award".)
Health Leaders Media, January 13, 2011, "Will Patients Choose You for Their Medical Home?"
USA Today, October 27, 2010, "Doctors Eye Better Ways to Share E-Health Records." (An Associated Press article)
Physicians Practice, August 2010, "Tech Survey: Physicians Speak Out on Voice Recognition"
Westchester County Business Journal, February 8, 2010, "Making a Medical Home"
Physicians Practice, January 2010, "Can Technology Make P4P Easier?"
The Journal News, January 5, 2009, "Data Driven Health Care Becoming All the Rage"
The Journal News, October 8, 2007, "Eyeing Westchester, London Rolls out 'Polyclinics'"
Westchester County Business Journal, September 10, 2007 "Boldly into the Health-Care Thicket."
Westchester County Business Journal, July 16, 2007, "Medical Charts Go the Way of Spats and Buggy Whips."


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NINI Organics was founded by brother and sister dream team, Alex & Nicole. They had one aim - to create the ultimate superfood for your skin, made with 100% Natural and Organic ingredients.
Our bodies' largest organ is the skin, meaning anything it comes into contact with is absorbed. Too many harmful preservatives are used in numerous conventional products and with excess pollutants in our environment it is more important than ever to keep our skin strong and healthy.
As a teenager, Alex had suffered from severe acne and conventional skin products only made it worse. It wasn't until he was prescribed Roaccutane that his acne finally cleared up. However, it came at a cost and he was left with dry, scarred and extremely sensitive skin. It was at this point he knew he had to heal his skin naturally and gently. This started his research into holistic & organic skincare using natural plant-based ingredients and after many years trialling different formulas, he finally perfected a skincare line that has cleared and strengthened his skin. Since then he has also helped many others with special treatments suited to their needs. With the help of organic beauty lover, Nicole, who had previously launched the UK's first raw, organic sandwich company – Raw Imagination, they set out to create the perfect food for your face.
We say "I met Nini when I traded next to them at a market. After a 4am start my skin was far from peachy. Alex gave me a few dabs of Glow and I instantly felt and looked a million times better. All the products feel like such a treat. Instantly nourishing and pure happiness in a bottle."


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1. Property Managers and Landlords signs up for the services on our website at no cost to them.
2. Property Managers or Landlords nominates or recommends a Tenant who is at least three months behind on their rents on our platform for service and loan to help them catch up to avoid eviction on our platform.
3. Tenants who are interested in a loan to help them pay the rent complete a simple application at Noticeline.com
4. Noticeline evaluates the information (with no impact to the applicant's credit score), determines an interest rate and instantly presents a variety of offers to qualified tenants.
5. Noticeline presents the amount and rate we will pay to the Landlord to avoid the Tenant from being evicted from their property.
6. Tenant and Landlord/Property Manager signs the Promissory Notes and Loan documents.
7. Money is Wired to the Landlord to cover the agreed upon amount.
8. Tenant receives all documents signed for records.


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After the first release of my iPhone game 'the little tank that could', I was very excited. I thought the game was fun to play, and could possibly do very well on the appstore. That turned out not to be the case. For the first 5 days on the store, it sold 20, 10, 5, 2 and 8 copies. A total of 45 copies sold. That was disheartening.
Now, my game has an online leader board. The players with the best times show up on a ranking. The leader board is consulted when you play the game, so that it can be displayed on the phone. When I took a look at my server logs, I was absolutely astonished. There were 1114 different people in the logs!
So how can a game that sold 45 copies, have 1114 players? That does not make any sense? I have no reason to believe that Apple's sales reports are faulty, so the answer is piracy. Very quickly after the release of 'the little tank that could' the game got cracked, and distributed via torrents. Those crackers are a weird bunch, even taking pride in their work. Proudly tagging my game with 'cracked by Hexhammer'. Well screw you Hexhammer. If you had any talents yourself, you would make your own game. Cracking one is petty.
So here they are, people, the cold hard facts: for every game you sell on the appstore, there are 24 pirates playing a bootleg copy. Out of 25 people, only one will choose to pay. So how much money are they saving anyway by pirating? Well... that would be a whole 1 dollar 99. A sad bunch really.
The whole experience of iPhone publishing is frustrating. But there is one part that I really liked. There is a great place for developers to meet up with players. I got some excellent help from the people over at the TouchArcade fora. They will tell you what needs improvement, and they came up with ideas for new levels for the next update. I did put in an update, but looking at the sales, it may be the last. Let me conclude with a video of the game.
The pay-rate grew to over 10% rather quickly. The 4% measurement was done shortly after the crack got released. The updated (version 2) of the game has so far not been cracked, and there is a 100% payment rate for the players on the leaderboard of version 2.
This weblog documents Bram Stolk's life as an indie game developer who immigrated from Holland to Vancouver, British Columbia.
Monday, July 27, 2009
Monday, July 20, 2009
Constructing a vector basis
This is a blog posting targeted at my self. Every time I need to construct a vector basis in 3D space,I can't remember the argument order to the cross products, and each time I have a hard time finding a reference, making me write test code to find out. So here it is, recorded for my future references. If you mess up order, you are likely to end up with a left handed coordinate system. As a mnemonic, you can use the rule that the arguments are in alphabetical order, except for the Y axis. This will give you the following argument orders for the cross products:
X = Cross( Y, Z )
Y = Cross( Z, X ) // NOT Cross( X, Z )
Z = Cross( X, Y )
Posted by Bram at 11:07 AM 3 comments:
Saturday, July 11, 2009
Brüno gets 10 out of 10
Bram gives Brüno 10 out of 10 stars. Sacha Baron Cohen went far beyond Borat with this one. It's pretty offensive, which makes it all the more fun. Even TV's bad ass number one, Eric Cartman, does not come close to the political incorrectness of Brüno.
So when reading about a Brüno iPhone application on a Dutch website, I thought I would download that application. Well, what do you know.... I guess this application is too offensive for PC Canada. Dutchies with an iPhone can consider themselves lucky, as they can download the app for free with iTunes.
So when reading about a Brüno iPhone application on a Dutch website, I thought I would download that application. Well, what do you know.... I guess this application is too offensive for PC Canada. Dutchies with an iPhone can consider themselves lucky, as they can download the app for free with iTunes.
Posted by Bram at 11:34 AM 4 comments:
Monday, July 6, 2009
Kayaks in Deep Cove
I recently went on a kayak trip with Amy and my colleagues Sandro and Goran. We rented some kayaks at Deep Cove. The kayak always reminds me of the classic Monty Python joke: what is the similarity between American beer and making love in a canoe? You can find the answer on youtube's recording of Monty Python at the Hollywood bowl (1982).
Anyway, back to the kayaks. It was a strenuous undertaking for which I did not have the upperbody strength. It was still fun though. T
he kayaks were fitted with a rudder, quite similarly operated as aircraft controls, which made things a little easier. I think rowing would suit me better, as it leverages your leg muscles, not just arm and torso.
Posted by Bram at 1:06 PM 3 comments:
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text: WhatsApp Facts: 10 Crazy WhatsApp Facts That You Didn't Know WhatsApp Facts: We all know as for how these days, WhatsApp has become such an important app in our lives. Today, it is seen as the best app to deliver messages, videos, documents etc. to your contacts and friends so easily and that too quickly. It seems that we know a lot about the WhatsApp but there are some hidden interesting features about WhatsApp too that some of us might not know. So here we present you top 10…Read More


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I'm gonna take some flak for this post because, frankly, it's a sexist perspective. I know that. I'm all for you trying to change my mind. Well, here goes…
A couple of weeks ago, my husband had innocently scrawled "soap bars" on my grocery list, so I headed to Walmart thinking I'd have a thirty second stop in the health and beauty aisles (cue the hillbilly music).
Lord, Thunder and Jesus. Have you seen the choices for men lately?
Okay, before you misunderstand, I am all about choices and variety. We're Americans, we expect options. One size does not fit all. And that's a good thing. But here's where that train goes off the track for me.
I like men simple.
By that I don't mean unintelligent. Au contraire! A man's brain is the sexiest "part" he has. What I mean by simple is uncomplicated. Unconcerned about little details like….
Soap fragrances. Dude.
Did you know that besides standard soap bars men now have liquid soap in about two dozen different fragrances? And that's just at Walmart.
But wait, I thought, let's go with this. So I started sniffing a few of Old Spice's offerings: Playmaker, Denali, and Swagger (I damn near swiped that bottle just for the name!). Next came Axe's more sexualized choices: Excite, Anarchy, Phoenix, Dark Temptation, Snake Peel, Tai Massage…Rise…(Snicker. Snort. Yes, my mind is in the gutter, yours is, too, don't judge.)
Five minutes and four strange looks from Walmart employees later, my nose hairs are freaking fried. I can just imagine what they're saying about me in the security camera room. All y'all keep an eye on the head case in aisle 14 sniffing soap bottles. She's got a big ass purse. Can you tell if her eyes are bloodshot? Oh, look, she's taking pictures. Make another pass to see if she smells like hooch.
This is stupid, I tell myself, ready to just grab that damn box of Zest bars and be done with it.
But then my eyes fall on One. Last. Bottle. A gorgeous red and gray – RIBBED – bottle. It must be fate because it's called…..
Wait for it….
Yes! The clear winner! It smells awesome, and the kicker? It's "attraction enhancing" and "pheromone infused."
Oh, yeah! I put that baby in the cart with a smirk, started to roll away, and then slowed just before I turned the corner. My shoulders dropped and the cart wheels stopped squeaking as I thought…
Do I really want my man wearing something that ATTRACTS other women?
No. No, no, no. Just no.
I rolled backwards. Put it back on the shelf.
But then I thought, well, even if they are attracted, they still can't have him. He's mine. Mine, all mine (cue evil laugh). Who says a girl can't do a little chest thumpin' now and then?
Still a little confused, but willing to think about it for the duration of my shopping, I threw it in the cart a little too forcefully (ok, I really chucked it) and the cover flurped open spraying pheromone-infused BLOOD RED goo all over the milk jug, yogurt, and birthday cards.
Great. Now I have to buy it. Could it be I'm over-thinking this shit?
After wiping off as much of the red attraction-enhancing slime as possible, I looked down at the innocent boxes of plain soap.
And grabbed one of those too.
THIS is what happens when you give men too many choices for inconsequential consumer products. Their women – who do all the household shopping—go bat shit crazy. (If your man shops for himself, count yourself lucky!)
The best part of this whole sad tale is that even after hearing how much loving attention I poured into his simple request, my husband just looked at the fancy bottle, rolled his eyes, and reached for the box of humble soap bars.
After his shower, he smelled like heaven.
So yes, call me sexist, but I like my man simple.
What do you think of all these consumer choices nowadays? Is it only right that men get as many options as women?


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Last Updated on
Download the freefincal Equity Mutual Fund Performance Screener Jan 2018! Use this screener file to hunt for equity funds that have consistently outperformed category benchmarks/indices with good downside protection (better performance when the index is down) and/or upside performance (better performance when the index is up). This screener is meant for DIY investors select a mutual fund (not review existing holdings). The "PlumbLine" is a set of handpicked mutual funds meant for the new investor to quickly get started when they use the Freefincal Robo Advisory Software Template.
Note to new readers: ₹e-Assemble is a series of basic steps on money management for young earners and beginners. Six steps are done. Do give it a try. This is the latest post:
How to create a retirement income plan for 27-year old Amar (Case study)
Request to readers: Due to SEBI's new classification rules, AMCs will change investment mandates of many mutual funds. Once a funds mandate has been changed, there is no point in studying its past performance. If you receive emails about change in mandate, please share them with me so that I can maintain a list of such funds and remove them from the list. Thank
What does this Equity Mutual Fund Performance Screener cover?
It gives you three outputs:
- Rolling return outperformance consistency over 3Y,5Y, 7Y: Higher the better. A score 80% means, 8 out of 10 times, the return of the fund was better than the category benchmark. This is an overall measure of reward (see details below)
- Upside performance consistency over 3Y,5Y, 7Y: Higher the better. A score of 70% means, 7 out of 10 times, the fund performed better than the category benchmark when the benchmark was moving up. This is a measure of reward.
- Downside performance consistency over 3Y,5Y, 7Y: Higher the better. A score of 60% means, 6 out of 10 times, the fund performed better than the category benchmark when the benchmark was moving down. This is a measure of risk protection.
How many funds are covered?
3-year data: 302 equity mutual funds (including balanced funds)
5-year data: 264
7-year data: 231
How long did it take to compile this data?
The Excel macro runs for 8 to 10 hours to put this together.
When to use this mutual fund screener
I recommend using this file only when you are on the lookout for a new fund after completing the following steps:
Define need and duration —-> Decide asset allocation (use this tool) —-> Decide product category (use this guideline for mutual funds) —-> Then use this screener for equity funds.
Since the debt mutual fund space is constantly shifting and a qualitative search is necessary, I believe it is dangerous to build a debt mutual fund screener and therefore will not.
If you open the screener file, you see column headings such as this.
The entries seen with "3 years" will again be repeated for "5 years" and "7 years" as shown in the second panel.
Category Benchmarks Used
|Category Code
|Nifty Next 50 TRI
|Large cap
|Nifty Next 50 TRI
|Nifty Next 50 TRI
|Nifty Next 50 TRI
|Small Cap
|Nifty Next 50 TRI
|Nifty Next 50 TRI
|BSE Balanced Index
The categories are the same as that used by Value Research.
BSE Balanced index use to benchmark equity-oriented balanced fund is one of my own making: A new & accessible benchmark for balanced mutual funds
As for Nifty Next 50, the reason why it is used extensively is due to its fantastic track record in beating actively managed funds (in terms of returns, not risk management): Nifty Next 50: The Benchmark Index That No Mutual Fund Would Touch?!
Other benchmark choices are fairly straightforward.
Reward measure: Rolling returns outperformance consistency
Rolling returns are a simple way to estimate how consistency a fund has outperformed a benchmark. Take the case of Quantum Long Term Equity (fund in the graph below) and BSE Large Cap (index in the graph below). Bet 31st Aug 2008 and 9th Sep 2017, there are 991, 7 year durations. If the return for each of these durations is plotted for the fund and index together, we will get a graph like this.
The corresponding entries in the screener sheet would be as below (this is an example):
Notice that out the 991 fund returns, all of them are higher than the chosen index.
Thus the rolling return outperformance consistency over 7 years =
(no of times the fund has outperformed the index)/(total no of returns)
= 991/991 = 100%.
Naturally, higher the rolling return outperformance consistency, the better.
Reward and Risk measure: Upside Performance & Downside Capture
If you wish to understand how these are calculated, please read this first: An introduction to Downside and Upside Capture Ratios and then proceed to this one for an example.
For some funds, a high downside capture consistency will lead to better returns and for some funds, a high upside capture consistency will lead to better returns. The screener can help distinguish the two types of performers.
Recommend read: What is mutual fund downside protection and why is it important?
How to use the Equity Mutual Fund Performance Screener
You can use Excel data filter features to choose a particular fund category
Or, you can set the rolling consistency over 3Y (and/or) 5Y (and /or) 7Y to be above 80% or 75%
This should result in a nice small set to work with. You can also do the same kind of filtering to the capture consistencies and choose a fund.
This video does not include the rolling upside, downside data, but the spirit is the same.
I would recommend choosing a fund with a good rolling return outperformance consistency combined with a good downside protection outperformance consistency. Why? See: What is mutual fund downside protection and why is it important?
In other words, choose funds that beat the index by reducing the amount by which it falls during market lows rather the funds that beat the index when the index is moving up. This way, we can sleep a lot more peacefully.
Jan 2018 Download the freefincal Equity Mutual Fund Performance Screener
About the Author M. Pattabiraman(PhD) is the author and owner of freefincal.com. He is an associate professor at the Indian Institute of Technology, Madras since Aug 2006. Follow @freefincal "Pattu" as he is popularly known, has co-authored two print-books, You can be rich too with goal based investing (CNBC TV18) and Gamechanger and seven other free e-books on various topics of money management. He is a patron and co-founder of "Fee-only India" an organisation to promote unbiased, commission-free investment advice. Pattu publishes unbiased, promotion-free research, analysis and holistic money management advice. Freefincal serves more than one million readers a year (2.5 million page views) with numbers based analysis on topical issues and has more than a 100 free calculators on different aspects of insurance and investment analysis. He conducts free money management sessions for corporates and associations(see details below). Previous engagements include World Bank, RBI, BHEL, Asian Paints, TamilNadu Investors Association etc. Contact information: freefincal {at} Gmail {dot} com (sponsored posts or paid collaborations will not be entertained)
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Content PolicyFreefincal has original unbiased, conflict-of-interest-free, topical reports, reviews, commentary and analysis on all aspects of personal finance like mutual funds, stocks, insurance etc. All guest authors and contributors to the site also do not have any conflict of interest. If you find the content useful, please consider supporting us by (1) sharing our articles and (2) disabling ad-blockers for our site if you are using one. No promotional content. We do not accept sponsored posts and link exchange requests from content writers and agencies. This is our privacy policy Our website is non-profit in nature. The revenue from the advertisement will only be used for hosting charges, domain registration charges, specific plugins necessary for traffic growth and analytics services for search engine optimisation.
Do check out my books
You Can Be Rich Too with Goal-Based InvestingMy first book is meant to help you ask the right questions, seek the right answers and since it comes with nine online calculators, you can also create custom solutions for your lifestyle! Get it now. It is also available in Kindle format.
Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You WantMy second book is meant for young earners to get their basics right from day one! It will also help you travel to exotic places at low cost! Get it or gift it to a young earner
The ultimate guide to travel by Pranav SuryaThis is a deep dive analysis into vacation planning, finding cheap flights, budget accommodation, what to do when travelling, how travelling slowly is better financially and psychologically with links to the web pages and hand-holding at every step. Get the pdf for ₹199 (instant download)
Free Apps for your Android PhoneAll calculators from our book, "You can be Rich Too" are now available on Google Play!
Install Financial Freedom App! (Google Play Store)
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- "Truly, truly, I say to you, he who hears My word, and believes Him who sent Me, has eternal life, and does not come into judgment, but has passed out of death into life." John 5:24
- "Therefore if any man is in Christ, he is a new creature; the old things passed away; behold, new things have come." 2 Corinthians 5:17
- "Walk in a manner worthy of the Lord, to please Him in all respects, bearing fruit in every good work and increasing in the knowledge of God." Colossians 1:10
My Thanksgiving gift to you is my biggest sale yet! It's definitely time to grab everything you've been wanting!
No limits, no exceptions. From today through Sunday the 29th, buy any kit and get a second kit of equal or lesser value FREE! Just use the Buy It Now Buttons and e-mail me the name of the free kit you want...or...if you are buying a lot and want to check out only once, e-mail me the list and I'll send you a PayPal invoice.
I would greatly appreciate your supporting this blog by shopping my PayPal store. There are 63 gorgeous kits in the store, so there's something for everyone. God bless you and Happy Thanksgiving to you and yours!
On my preview I used my Warm Autumn Kit and stitches by www.totlebugz.com; note by http://www.storeide.se/gunhild/index.htm; alpha by http://rina-creative.blogspot.com/.
If you download, please leave me a comment at the bottom of this post as I have disabled 4shared comments. This helps me to know what you like for the future and please support this blog by shopping my PayPal store. God bless you!
The password is jesuschristislord.


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Estate of John and Fay Rezansoff
Sale Date(s)
Venue Address
- Togo, SK
- Togo
- Saskatchewan
- Canada
Results for live webcast and timed auctions may not have been verified by the auctioneer. If you are in any doubt of the accuracy of the prices provided, please call the auction house to confirm.
Estate of John and Fay Rezansoff - Farm AuctionAuction Date: Sunday, August 19, 2018 at 1 pmFEATURING:Machinery Tractors Case 2590 tractor, cab, f...More details
1000G fuel tankMore details
500G fuel tank (new)More details
Rite-Way harrow barMore details
Brandt 6x35 grain auger w/motorMore details
Leons 3000 3 batt stone pickerMore details
8Ft metal swath roller ...[more]More details
NH 56 side delivery rakeMore details
8ft Large Metal drum swath roller ...[more]More details
Farm King 8x40 grain auger, ptoMore details
Blanchard swather carrier ...[more]More details
Morris Challenger II L-225 cultivator w/Morris tine harrows, 3barMore details
Morris Rod Weeder w/36ft harrows ...[more]More details
Morris Rod Weeder w/30ft harrowsMore details
Sakundiak 7x45ft grain auger ...[more]More details
JD BWF tandem 18ft disc ...[more]More details
Morris Seed Rites 2x10ftsMore details
IH 6200 Press Drills w/transport 3x10ftsMore details
IH Press Drill 24ft (3x8fts) ...[more]More details
40ft Drill carrier ...[more]More details
Brandt 7x45ft grain auger ...[more]More details
IH 5000 S.P. swather, diesel, cab, 24ft table w/p.u. reels, s/n 1388 ...[more]More details
IH 620 Press Drill (12ft) ...[more]More details
1975? Chev truck, w/20ft rear cargo container (not running) ...[more]More details
JD 9350 Press drill (20ft) ...[more]More details
1981 IH Grain truck, automatic, 345 Gas, 10.00x20 tires, 14949kms,s/n AA172KCA16516 (previously registered in Sk) ...[more]More details
Case 2590 tractor, cab, factory duals, 20.8x38 tires, pto, dual hyds, P.S., 5394hrs, factory weights, auxiliary tanks, s/n 10200087 ...[more]More details
MF 3090 FWA tractor, cab, 18.4x38 tires, 3pth, 4 hyds, 5674hrs, Allied 795 FEL and 7ft bucket ...[more]More details
JD 8440 tractor, 4WD, cab, 18.4x38 tires, pto, 8712hrs, triple hyds, s/n 0884404003718R ...[more]More details
CIH 2096 tractor, cab, dual hyds, pto, 20.8x38 tires (fair-good), 3442hrs, w/Allied 590FEL and 6ft bucket ...[more]More details
2004 Dodge Ram 2500 4x4 4dr 5.7Hemi, running boards, 71,909kms (original) 265 75R17 tires, box liner, trailer pkg ...[more]More details
2009 30ft Outback 5TH Wheel Holiday Trailer, 2 slides, kitchen, dining table w/4 chairs, couch, 2 arm chairs, built in TV, A/C, Fridge, Gas Stove,...More details


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Also found in: Dictionary, Thesaurus, Medical, Legal, Wikipedia.
1. Maths (of two or more equations) satisfied by at least one common set of values of the variables
2. Logic
a. (of a set of statements) capable of all being true at the same time or under the same interpretation
b. (of a formal system) not permitting the deduction of a contradiction from the axioms


text: Interview with Ron Gula, President of Gula Tech Adventures – Part III October 9, 2017 Contact × Contact Us Please take a moment to fill out the form below and a KatzAbosch representative will get right back to you. Or call us at 410-828-CPAS (2727). Your Name*Your Email* Your MessageNameThis field is for validation purposes and should be left unchanged. This iframe contains the logic required to handle Ajax powered Gravity Forms.


text: I recently listened to Dr. Scott Todd talk about how global business was one of the top reasons for the drastic drop in extreme poverty in the world. He quoted that extreme poverty has dropped from 51% of the world's population in 1981 to 26% in 2005 to 9.8% in 2015! I was encouraged to listen as I prepare to teach about the economics of business and personal finance in my AP Microeconomics and Personal Finance classes this coming semester. Please pray that God would not only impact myself and the students that I teach, but that ultimately He would impact many (including those in extreme poverty) in the country of Nicaragua through what we learn together!


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This post talks about creating Powerpoint Presentations in relatively very less time. Below is an embedded video from Youtube which talks very clearly about creating Powerpoint presentations using in-built templates and SmartArt.
Another interesting post worth having a look at is available at Lifepal, it talks about Creating Powerful Powerpoint Presentation by Nancy Duarte.
Some point to note when you go in for the presentation
1.) Remember to KISS, i.e. Keep it short and Simple.
2.) Use more of graphic than the text: More text means more attention diversion.
3.) Keep the humor going: Its important that while delivering presentation, you keep your Humor Quotient up. This helps the audience stay focussed.
4.) Practice makes a man perfect: Before you deliver your presentation, do rehearse it once in front of a mirror or some friends and seek feedback for further improvement.
Also read: Kingsoft Office 2007: Microsoft Office comes free « Technofriends
How-To: Copy and Align Shapes in Microsoft Powerpoint
You can also follow me on Twitter at http://twitter.com/vaibhav1981
Do stay tuned to Technofriends for more, one of the best ways of doing so is by subscribing to our feeds. You can subscribe to Technofriends feed by clicking here.
Filed under: Free, How-To, Microsoft, Tips, Tutorials | Tagged: How-To, Microsoft, powerpoint, Presentation, SmartArt, Software, Templates, Themes, Tips, Tricks, Tutorial | Leave a comment »


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Everton boss confident of keeping Marouane Fellaini
New Everton manager Roberto Martinez remains convinced that his star player Marouane Fellaini does not want to leave the club this summer.
Although it has recently been revealed that there have been no talks held between Arsenal and Everton concerning the release of Fellaini, there are still strong rumours concerning the Belgian's desire to leave in order to realise his dream of playing Champions League football.
Martinez, however, has dismissed these links, despite the fact that the 25-year old has a release clause in his contract worth around £22 million.
"I don't think it is an issue," Martinez was recently reported to have said.
"You are not talking about a player who is out of the squad or in negotiations with another club. I won't look to speak to him about this because there is nothing to speak about.
"What I want is him to be ready for the next season, to be ready to take an important role at the club and understand that it is a big season for him.
"As an individual, he has got an exciting year in front of him and I don't think he is personally thinking, 'Am I going to be here?' I don't think that's in his head."
Whether or not Everton manage to keep hold of Fellaini, who is the club's top owner on around £75,000 per week, will most likely come down to the loyalty the midfielder now feels to the club following the departure of manager David Moyes to Manchester United.
Write for GiveMeSport! Sign-up to the GMS Writing Academy here: http://bit.ly/12evFlH
DISCLAIMER: This article has been written by a member of the GiveMeSport Writing Academy and does not represent the views of GiveMeSport.com or SportsNewMedia. The views and opinions expressed are solely that of the author credited at the top of this article. GiveMeSport.com and SportsNewMedia do not take any responsibility for the content of its contributors.News Now - Sport News


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Custer State Park is one of the Black Hills' premiere destination wedding venues. We host a number of ceremonies and receptions each year, so brides and grooms may rest assured that our staff knows just what to do when the big day arrives.
From an intimate family celebration to a spectacular Black Hills bash, Custer State Park is the perfect setting for your special day. With our staff on hand to guide you every step of the way, we can effortlessly transform your vision into memories that last a lifetime.
View ceremony sites View reception sites
Contact us online or at 605-255-4672 for pricing information or to get your dream wedding venue reserved today.
Please note that—due to popular demand—our on-site wedding ceremony locations are reserved for couples who host their wedding reception with us. Should you choose one of our breathtaking venues for your wedding celebration, Custer State Park is pleased to offer the following ceremony and reception packages. You can read about them in our wedding brochure.
Custer is beautiful all year round. Spring brides enjoy the first hint of green and the baby wildlife in the park as everything's waking up from winter. Autumn brides will have spectacular fall foliage. And there's nothing quite like the stark beauty of a winter wedding in the wood.
If you plan to get married in the serene beauty of a Custer State Park winter, we offer several winter wedding packages.
Learn more about winter weddings
Check out this recent wedding at Sylvan Lake Lodge to get a feel for how beautiful your wedding can be:


text: Ever since I heard of it (around 1998 or so) I've been trying to persuade people to think in terms of Alistair Cockburn's hexagonal architecture model. To me, it takes away so many of the pointless debates, and makes modelling and developing any new system so much simpler. Thanks Alistair!


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I always recommend for travelers coming to Japan to get the Japan Rail Pass (JR Pass). But recently I've been getting questions if it is actually worth the cost - around $300 USD for a 7-day and $460 for a 14-day (ordinary, not green).
While I had a feeling it was more economical to use the pass, I wanted to double check. I picked four itineraries that I've made for previous clients and compared the prices for reserved-seat tickets, non-reserved tickets and JR pass holders*.
Bottom line: For anyone traveling by Shinkansen to a handful of destinations around Japan (2+), the JR Pass is DEFINITELY worth the cost.
Let's take a look at a few different itineraries below:
Laura and Mike - Tokyo + Kyoto + Naoshima + Hiroshima + Yakushima
Laura and Mike are really avid hikers. They've been around the world on trails and spend most weekends, back at home in California, in the forest. For them, doing the Kumano Kodo and visiting Yakushima were huge priorities. They saved over $400 USD by getting the JR Pass.
Kathy - Hiroshima + Naoshima + Kyoto + Hakone + Tokyo
Kathy was starting in Hiroshima and working her way to Tokyo over the course of 7 days. Even though Kathy wasn't buying a round trip ticket from Tokyo to Hiroshima the JR Pass was still worth it. By using the JR Pass Kathy was able to save around $70 USD.
Erin and Brendan - Tokyo + Kyoto + Nara + Hiroshima
Erin and Brendan had basically planned out their trip by the time we got in touch. They were really interested in history and wanted to visit Kyoto and Hiroshima along with a little bit of time in Tokyo. For them getting the Pass saved them about $170 USD.
Kendra - Tokyo + Kanazawa + Yokohama
Kendra was coming to Tokyo for work and just looking to escape the city and see a different side of Japan. For her I recommended a long weekend in Kanazawa and a quick ½ day trip to Yokohama. With the pass she saved $58 USD. Even if Kendra chose not to go down to Yokohama, I can still imagine that the Pass would be worth it to cover the cost of her trips on the JR trains within Tokyo.
When the Pass isn't Worth it
The scenarios above all justify the cost of the JR Pass. But, I can think of situations where I wouldn't recommend someone purchase it. For example:
- Just visiting one destination during your trip (Kyoto for example)
- Taking overnight buses/trains instead of Shinkansen
- Traveling to a place like Okinawa or Hokkaido with the discounted airfare for foreign passport holders. Here is a list of carriers/discounts
- Visiting places like Hakone from Tokyo - where there are other pass options (2-Day Odakyu Pass)
The scenarios are endless. If you are on the fence about whether or not to get the pass, take a quick look at the links below and example itineraries above and you'll be able to get a rough estimate if it is worth it or not.
Resources for Train Schedules, Prices, etc.
Google Maps - it's coverage of Japan is very extensive and you can explore the schedule to find trains leaving/arriving at certain times
JR Fare Calculator - Doesn't cover all stations, but gives you a good idea for major stations
Shinkansen Fare Calculator from TokyoCheapo - all fares originate in Tokyo
Tokyo Metro Fare Calculator - The Metro lines are not covered by the JR pass, so this can give you a better idea of what you may spend
*To make the price comparison I used prices from JR Websites, Google Maps and TokyoCheapo. Because the JR Pass does not cover travel on Nozomi trains, I only used Hikari and Kodoma trains for price comparison. Fares can change by day and time, so the stated prices above may be different then what you pay.


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JARED GENSER: 'Jailing of Hong Kong democracy activists a failure to uphold international law'
Jared Genser is founder of Freedom Now and previously served as pro bono counsel to Nobel Peace Prize Laureates Aung San Suu Kyi and Liu Xiaobo. This piece was originally published in the South China Morning Post.
By now, the story of Hong Kong democracy activists Alex Chow Yong-kang, Nathan Law Kwun-chung and Joshua Wong Chi-fung, leaders of the September 2014 "umbrella" democracy movement in Hong Kong, is well known. These courageous young men stood up and spoke out in favour of democracy, human rights and rule of law in Hong Kong. For their role in leading other peaceful protesters in gaining access to a fenced-off square, previously a popular spot for peaceful protests, they were charged with "unlawful assembly" under Hong Kong's draconian Public Order Ordinance. Last year, they were found guilty; Law and Wong were sentenced to community service, and Chow to a three-week suspended jail term.
Had this been the end of the story, arguably, justice might have been fairly served. But, in August, Secretary for Justice Rimsky Yuen Kwok-keung appealed – even though the government had already prevailed – citing the "rather dangerous" leniency of the sentences. On appeal, the activists were sentenced to prison terms from six to eight months, making Chow, Law and Wong political prisoners.
In response, I joined a group of human rights and democracy activists in writing an open letter condemning this decision as a "serious threat to the rule of law" in Hong Kong, released on October 16.
The government was quick to respond, claiming that we misunderstood the situation. A spokesperson for the Department of Justice said our letter was "unjustified", alleging that the "judiciary remains truly independent and has displayed very high quality in their discharge of professional duties". Their statement was swiftly parroted by Chief Executive Carrie Lam Cheng Yuet-ngor. With all due respect, I strongly disagree. In the spirit of peaceful protest and debate, these are the primary objections voiced by the international community.
First, the law under which the democracy activists were charged – the Public Order Ordinance – is overly vague, enabling the sweeping use of politically motivated charges. For example, there is no definition provided for what is meant by the prohibition on behaving in a "noisy or disorderly manner" or on using "threatening, abusive, or insulting words". The UN Human Rights Committee has openly criticised the law for "facilitat[ing] excessive restriction" to basic rights, including the right to freedom of assembly guaranteed by the International Covenant on Civil and Political Rights.
Second, that the prosecutors chose to appeal against the prior sentences was a blatant abuse of their discretion. The activists had already served their punishments. That prosecutors were given a second chance to obtain additional and stronger punishments flies in the face of basic principles of due process of law.
Third, the appeal was a brazen attempt by the government to intimidate other peaceful would-be protesters. Substituting himself for a domestic fact-finder, Court of Appeals vice-president Wally Yeung Chun-kuen claimed that the increased sentences were a necessary deterrent because, "[If one] uses the guise of exercising freedom of assembly, but is in actual fact destroying public order and peace, [this] will plunge society into chaos." Yet there wasn't even a scintilla of evidence to support this claim. Not only were the 2014 protests overwhelmingly peaceful, but there have been no serious incidents of violence since.
Thus, the purpose of these increased sentences in 2017 was to send an unmistakable message: if you refuse to stay silent, we will punish you severely. As noted by Human Rights Watch and Amnesty International, this has a "chilling effect" on democracy and human rights, and is directly contrary to internationally guaranteed rights of freedom of opinion, expression and peaceful assembly.
Finally, the recent decision to bar the entry of fellow human rights and democracy activist Benedict Rogers, who had travelled to Hong Kong for a private visit, is another unmistakable red flag. Though Rogers has connections to the democracy activists, he was not going to meet them. Despite this, he had been warned by Chinese officials in London that his trip posed a "grave threat to Sino-British relations". Hong Kong deemed him enough of a threat to keep him out, only reaffirming both domestic and international fears that democracy, human rights and free exchange of ideas will not be tolerated in Hong Kong.
I do appreciate the responses of the government of Hong Kong to our letter. While the punishment of democracy activists is unjust and indefensible, I welcome the opportunity to engage in a meaningful exchange of views. But what would be more welcome is a Hong Kong that respects its obligations under international law, releases all political prisoners and respects fundamental rights. If they commit to not barring me from entry too, I'd welcome the opportunity to come and meet Hong Kong authorities personally to discuss my concerns.


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Last week, someone asked me how I kept my lips so smooth (yes these are the kinds of things gals discuss). My response was, "kissing my husband". But the next day, I realized that Tim's (my husband) homemade beeswax lip balm is really what does the trick. He is always finding ways to cut out chemicals so that's why he decided to make this stuff out of real ingredients and now my lips are always soft and smooth!
So since we love to live our lives with less chemicals here at Simple Native, I thought I'd share Tim's lip balm recipe. He said I could. Because I think that smooth lips are something we take for granted until we don't have them. Putting lipstick or gloss on chapped, flaky lips just doesn't work!
Here's what you'll need:
2 tsp beeswax
3 tsp coconut oil
4 drops rosehip oil
4 drops peppermint oil
Using a double boiler, melt the beeswax. Once melted, add the coconut oil until it is also melted. Then add the essential oils rosehip and peppermint. Pour mixture into containers of your choice while it is in the liquid form. We ordered these lip balm tubes from amazon for really cheap. Let it sit until it hardens.
It is so easy! And you can play around with the oils you add. Just make sure they're good to ingest. We use the rosehip oil because it has amazing benefits for skin, such as anti-aging and the peppermint oil because it smells so good.
Hope you enjoy!


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Nearly 7 years ago I took a 13-day road trip with my musician friend Eddie Elliott. Thanks to a guy he'd met at one of his shows in Arizona, we got to take an elevator to the top of the Golden Gate. Quite appropriate, seeing as how one of my favorite Eddie songs is called "Build a Bridge." Here is a little video I made from Eddie performing the song live the night he opened for David Wilcox at the Mystic Theater in Petaluma, CA. And this is an album of photos I put on Flickr to document my various pit stops around America as an Ed Head.
the LIST
Do I know you? One man's attempt at a lifelong head count.
NOTE: If you think I might have a photo of you—most likely at least one great photo of you—don't be afraid to ask me to post it (firstname.lastname@example.com) along with a brief entry about how I know you. And if I've met or known you but don't have any photo evidence, feel free to send along YOUR favorite photo of you. (I'm fascinated by what that slideshow might look like.)


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Dice not included
Out of the many phrases attributed to the father of comb-overs, Julius Caesar, "Alea iacta est" (The die has been cast) is undoubtedly the most appropriate for something that feels like one of the most complicated board games I've ever played.
Alea Jacta Est is a massively expansive Roman strategy game from AGEOD, a French developer probably best known for American Civil War. It covers scenarios focusing on the internal strife of the Roman state, from Republic to Empire, and it makes me wish I was better at making spreadsheets.
Alea Jacta Est (PC)
Developer: AGEOD
Publisher: AGEOD
Release: September 22, 2012
Alea Jacta Est is one of the first games in a long time that has caused me to go hunting for information in an instruction manual, even after completing the title's bare-bones tutorial. Before I could even cross the Rubicon, I was punched in the face by the game's dizzying array of menus, elements, and systems, and I found myself more than a little bit lost.
There's no babysitting here, no advisers to tell you what to do; you're given your armies, land, and your greater objectives and sent off to either recreate history or rewrite it. It's easier said than done. After doing a bit of homework, however, I found myself planning sieges, controlling troop movements, and building or toppling empires like a veteran general -- it felt wonderful.
Six campaigns are offered up to prospective military masterminds, representing some of the most famous conflicts Rome had with herself, including some that you might not be as familiar with. It starts with the civil war between Marius and Sulla, one of the most famous conflicts of the Late Republic and ends with the conflict between Septimius Severus and Pescennius Niger, who were both elected Emperor by the legions of the west and east, respectively. They cover a lot of ground, from the end of the Republic, to the end of the Principate and the first age of the Roman Empire. An interest in Roman history comes in quite handy, as scenarios are designed to play out with a great deal of historical accuracy.
The introduction to each campaign outlines the historical context for the conflict, as well as offering a couple of hints on what obstacles each faction must overcome. Although it's nothing but a nudge in the right direction, it's a welcome one. Factions are not particularly balanced, and without foreknowledge it's rather difficult to now how challenging playing a faction will be -- not making players aware of the difficulty levels seems a bit remiss.
This Roman romp is a turn-based affair, with each turn being split into two phases. The first phase is where players plan their faction's actions, whether that be making political decrees to curry favor with the masses by giving out bread or hosting a circus, or ordering troops to besiege a city and sorting out what legions need supplies and so on. The second phase fast forwards the game by 30 days, and your plans are put into action. Battles are fought, enemies strike, and come the next turn, you are left to deal with the aftermath. Watching the twitching and sliding of the battle meters and the waiting for the conflict reports can be a surprisingly nail-biting experience. Player forces and AI-controlled ones move together, so one can easily be taken by surprise, and the 30 or so seconds it takes for the action phase to complete feel like an age.
Even the simplest commands, like ordering troops to move, require a lot of planning. Dragging the portrait of a unit or a stack and placing it on the desired destination will automatically send it across the fastest route. That's rather handy, but it's not necessarily the smartest strategy. Different terrain confers bonuses and penalties -- as does the weather and infrastructure, like roads -- so it's often better to fine tune the unit's route, and perhaps take the long way around. This makes the often dull mechanic of army movement a lot more engaging.
Supplies are an important aspect of any military campaign, but keeping troops fed and equipped isn't particularly flashy so it usually gets glossed over in strategy games. This isn't the case in Alea Jacta Est; managing a supply system is challenging, sometimes restrictive, but also rather rewarding. Unsupplied troops will find themselves at a major disadvantage, and it's imperative that besieged cities are supplied, or they will fall to the enemy rather easily. Supply wagons can be built and sent to armies in the field and other cities, either over land or sea. Creating a supply chain is a manual undertaking, which can become a little frustrating when trying to field larger armies; so naturally, it's better to try to create smaller forces tailored for specific actions. Fighting a long way from home feels like the massive undertaking it should. Men grow exhausted, supplies run out, and each conflict becomes all the more worrying.
Even a well supplied army will be ineffective when led by the wrong general, however, so it's equally important to pick the right leader for the job. Leaders have a large list of stats and abilities, specialties, and limitations on how many men they can effectively lead -- overextending them can accrue some significant penalties. Some generals are able to attack besieged cities before their walls have been breached, others get bonuses when defending settlements, and they also get less battle orientated traits like generating loyalty through propaganda each turn. They are some of the most important units in the game, but their many strengths and weaknesses are a bugger to remember. Luckily, like everything in Alea Jacta Est, there's a detailed menu that provides a mind-boggling amount of information. The stats are particularly extensive, and unfortunately lacking in tooltips -- hence why I was so often scouring the manual.
Generals can make or break a battle, regardless of the units under their command. That is not to say that the soldiers aren't important -- they demonstrably are -- but having Julius Caesar commanding the troops, for instance, can vastly improve their chances of survival and victory. They can move faster, pour into enemy cities like a wave of destruction, stave of hunger and exhaustion, and even learn to get along better. Yes, Caesar teaches people to be friends. What a guy.
The men under their command are given just as much attention, and boy are there a lot of them. From the large forces of the Orient to Germanic mercenaries, and, of course, the infamous Roman legions, there is no dearth of troop variety, both for players to command and fight against. Clicking on one of them causes yet another window, overflowing with information, to pop up. Pretty quickly, I found myself taking brief notes; saving me from repeated trips back to the dreaded manual that lingered on my desktop, mocking my terrible memory. It was overwhelming, but forced me to study every unit, actually give serious thought to the contents of my stack, and think hard about how I was going to employ it.
Battles themselves are hands-off simulations that get resolved very quickly. All the planning and studying of units ends in a clash that lasts for only a few seconds. Far more time is spent examining the battle report -- trying to figure out what the hell went wrong and lost you all your legions, or how you managed to scrape through and grab a victory against all the odds. There's a story in these numbers, even if it's hidden between digits and tiny icons.
The combination of solid enemy AI and realism makes every battle count, and players are given a lot of options for how they want to approach any situation. You can blockade ports, weaken the loyalty of your enemies' citizens, conquer city after city, or go straight for the main objective areas for greater spoils. Picking and choosing the right battles -- and, more importantly, the right locations for said battles -- is imperative for a leader who doesn't want their rule to be short-lived. The attitude of any given force can also be altered, so an army can be set to passive or defensive if you want them to avoid engagements or possibly wait for reinforcements. Special orders allow players to further define their troops making them set up ambushes, start pillaging, or build forts. Leaders in a rush can even enact a forced march, speeding up their unit's movement at the expense of their combat readiness.
When not planning battles, there're a broad range political machinations to get all up in, both domestic and involving foreign powers. Alliances can be created, citizens can be pandered to with bread and games, loyalty can be fostered through propaganda -- which can undermine other factions -- and money can be raised through means both mundane or less pleasant, such as selling slaves. Though you might want to save them, as slaves can be forced into military service. The focus is definitely more on warfare, however, as these political actions don't really add very much to the game. They are there to make things a little bit easier, while giving players something extra to spend resources on, but not much else.
Four types of resources can be gained in the game, from the tangible, like cold, hard cash, to the love of your people. Engagement points can also be earned, mainly by capturing objectives, and like morale and denarii it can be spent on military or diplomatic actions. The final resource, victory points, cannot be spent; rather, they get added up to decide the victor. While four resources probably doesn't sound like too much to handle, the way they overlap, both in terms of how they are earned and how they can be spent, can be an annoyance. However, due to the game's penchant for detail, it's very easy to see how much you have, where it's coming from, what you'll have next turn, and what impact your spending habits will have. Even when you hover over an option to buy something, a tooltip breaks down all the important information for you, including your current total.
Alea Jacta Est could never be accused of being a pretty game. It won't be invited on many dates, and even if it was, it would politely explain that it's far too busy crunching numbers and simulating battles. The map is utilitarian and informative, but still manages to avoid being an eyesore. There are geographical touches like trees, rivers, rolling hills, and massive mountains, but it is all very simply presented. Menus are rather hideous, unfortunately, masquerading as papyrus sometimes, other times containing tacky borders that scream "I'm trying to be Roman! Look at all these columns!" Often there aren't tooltips, so you don't know what the hell you are looking at, and it just becomes a jumble of words, abbreviations, and random numbers.
Scrolling across the map could do with being quite a bit smoother. The jerky movement of troops during the action phase is exceptionally awkward to the point where, at first, I thought my PC was having issues. Thankfully, my PC is completely fine and the game just likes to make my little units' portraits look like they are drunk. These issues are fairly minor, and I didn't encounter any bugs during my many conquests and failures. It's merely a shame that the attention to detail shown throughout the rest of the game didn't extend quite as much to the presentation.
Alea Jacta Est is by far and wide the most complex and historically minded Roman strategy game, or indeed strategy game in general. It's tough to get into, and not in the least bit welcoming to players unfamiliar with AGEOD's titles. With a lot of investment, it becomes a compelling experience that will devour your time, making you forget to go shopping, wash the dishes, or do anything that isn't obsessing over numbers and strategies. It requires a great deal of patience, and even more reading, but I found it more than worthy of the work.
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Alea Jacta Est reviewed by Fraser Brown
Impressive effort with a few noticeable problems holding it back. Won't astound everyone, but is worth your time and cash.
How we score: The Destructoid reviews guide


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LG Optimus G Pro Voicemail
Visual Voicemail features for LG Optimus G Pro
Get the most comprehensive set of Voicemail features for your LG Optimus G Pro with YouMai visual voicemail. Upgrade your LG Optimus G Pro standard carrier voicemail, to a voicemail that includes enhanced caller-id, voice-to-text and call blocking.
Access Your LP Optimus G Pro Voicemail Anywhere
YouMail gives you the option to access your voicemail from your phone, desktop or tablet. If you are without cell service, YouMail allows you to still access your voicemail online either through the smartphone app or through your account at Youmail.com.
Voice-to-Text for LG Optimus G Pro
YouMail Plus and Professional services also give you the ability to read your voicemails. If you are on the go, there is no better way to check messages by saving time, not having to listen to each message. Get started by downloading the app now and upgrade to premium features at anytime.
Download the YouMail App for LG Optimus G Pro
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Keven Rose, founder of Digg, angel investor, and cohost of the video podcast diggnation, has embarked on a new venture called Foundation, where he will be showcasing up and coming talent and products in a monthly newsletter and video. Those who subscribe ($3.99/month) will have immediate access to the content, while those who don't will have to wait for a week delay in order to access the video.
In his inaugural video, he interviews Jack Dorsey, inventor of Twitter and cofounder of Square. The production quality is very good, but more importantly, I found the conversation very engaging, and true to the project's name, they explore the foundational ingredients and creative evolution of Twitter and Square. I look forward to future episodes, which hopefully will continue in this vein.


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How to have a body: an introduction to body awareness/
If you ever procrastinate, experience anxiety, or slip into negativity because you get lost in thought, this post is for you.
I cried during acupuncture today.
"Mind if I stick some needles in your stomach?" the acupuncturist asked at the beginning of my treatment, and of course I said yes, because when do I say no to anyone?
But as I sat alone, trying to enjoy the soothing music, trying to regain the peace and tranquility I felt during my first session last week, my thoughts took over. And my thoughts weren't pretty: punctured organs, internal bleeding, infection.
I lifted the blanket and studied the steel needles. At the base of each needle, my skin puckered into a divot, which couldn't be normal, could it? I nearly fished my phone out of my purse and googled how to tell if your liver is punctured.
It sounds funny, doesn't it? But it wasn't. I called out for the acupuncturist. I considered ripping out the needles myself, but I was too terrified.
Eventually, she came.
"The needles in my stomach," I said, my voice shaky, "can they come out now?"
The anxiety I'd mentioned in my intake forms—here it was. Raw and ragged.
My acupuncturist disinfected her hands, sat on a stool. Each movement slow, deliberate.
"I'm here," she said, "and I'll take out the needles. But first, close your eyes and feel the anxiety. Tell me how it feels in your body."
I was too worked-up to resist. My heart was beating fast, I told her. A lump pulsed in my throat. My arms and legs tensed and jittered. I was on the verge of tears.
"It's OK to feel it," she said again. "Connect to how it feels."
Beyond my control, that's how it felt. My body, my anxiety, whether I died from acupuncture—I wanted so desperately to control these things, and ultimately I couldn't.
So I broke down and cried.
I tend to live from the neck up.
Sure, I moisturize my legs, I wear cashmere sweaters, I bend into downward dog. I feed myself chocolate every damn day. So I experience my share of physical sensations, many of them pleasurable.
But when I try to grasp my lived experience—the substance of my days, the way my life actually feels—I end up with a fistful of thoughts.
Was that too poetic? Here's another way of putting it: If you ever happen on me while I'm driving, eating, unrolling my yoga mat, or doing pretty much anything, chances are I'm lost in thought.
What do I need to get done this afternoon? I'm already so behind.
I shouldn't have eaten a third slice of cake. Who eats three slices of cake?
Oh God, did I send that email to the wrong person? Maybe I should check my sent messages.
I'm going to let him down, aren't I?
I go through most of my hours unaware of any physical sensations at all, except maybe the whipping cold when I get out of my car on a February night or the warm breath of the heaters in yoga class.
I first encountered the idea of "living from the neck up" in Tara Brach's book Radical Acceptance [affiliate link, as is the above image], which teaches mindfulness and meditation techniques for seeing yourself more clearly and more kindly.
"Many people," Brach writes, "are so accustomed to being out of touch with the body that they live entirely in a mental world."
When I read that, I nearly fell out of my chair. Not because I was shocked to realize that I lived "entirely in a mental world," but because it hadn't occurred to me that there might be some other way to live.
Oh, but there is.
Imagine sitting at your computer. You know you should be working, or writing, or drafting an annoying but important email. Instead you scroll through images of haircuts on Pinterest. You click through house listings on Zillow. You dive down a Facebook rabbithole.
Chances are that your web surfing isn't particularly pleasurable, because a nasty tickertape runs through the back of your mind: Five more minutes. But I should have started on that task already. But I deserve this break. But I shouldn't be procrastinating. Why do I always do this?
For me at least, this pattern is hard to short circuit. I want to blow off steam, but avoiding my email or my writing or whatever makes me more tense. So what do I do? I click yet another Zillow listing of a house I can't afford and don't particularly want. And I get more and more annoyed with myself.
This is the danger of living from the neck up. Even small things—like getting acupuncture or browsing the internet, for goodness's sake—can drop me into a mental spin cycle, and it's bizarrely difficult to break out.
But how do you know whether you're living in your body or not?
In Radical Acceptance, Brach includes a beautiful thought exercise from Hameed Ali:
When I say, "Are you in your body?" I mean, "Are you completely filling your body?" I want to know whether you are in your feet, or just have feet. Do you live in them, or are they just things you use when you walk? Are you in your belly, or do you just know vaguely that you have a belly? Or is it just for food?
Are you really in your hands, or do you move them from a distance? Are you present in your cells, inhabiting and filling your body? If you aren't in your body, what significance is there in your experience this moment?
Oh, Laura, you might be thinking. Do I seriously need to worry about this?
Yes, we all have plenty to worry about without stopping to ask ourselves, "Am I in my feet right now?"
But connecting to your body is the perfect way to come back into the present moment when you're lost in a mental spin cycle. As Kristin Neff explains, "It's the difference between noticing 'tightness in my chest' and thinking I can't believe she said that to me; who does she think she is?"
Here's the other problem: if you ignore your body, it can drag you around like a mastiff that doesn't know how to heel.
We all know that our body language reflects our mental state. When we're tense, our shoulders tighten, our fists clench, and so on.
But the reverse is also true: our bodies influence our mental landscapes. Moving your facial muscles in a way that mimics smiling makes you happier. A confident stance can improve your mood.
So what does hunching over a computer do? How about all of the quirks and aches and areas of tension that don't even register because we're lost in thought?
Take a moment right now. Relax your shoulders, draw in a deep breath. Are you inhabiting your body? Could you connect to it if you tried?
I'll be honest: I've been sitting on this post for a week. There wasn't any heart to it, and I couldn't understand why.
Then I cried in acupuncture this morning, and I knew that story—embarrassing as it is—belonged here. And the story of why I disconnected from my body in the first place—that belongs here too.
When I was eleven, a bobble of fat appeared on each of my inner thighs, right above the knee. I pulled at the bit of flab, wondering Where the heck did this come from?
The next day, I studied the legs of the other girls in my gym class. Not one had a weird bobble of fat by her knee.
So I stopped wearing shorts. I agonized over the few steps I'd have to take between the pool and the safety of my beach towel. I hid as best I could.
But then I enrolled in an all-girls Catholic high school with a strict uniform: itchy white blouse, aggressively pleated plaid skirt. Other girls got their skirts hemmed and hiked them up when the nuns weren't looking, but not me.
Even so, my knees were on display. At home, I'd sit in front of a mirror and study my calves and knees and ankles, trying to see how they looked to the rest of the world.
My legs were no longer a part of me. Instead, they became something I had to manage. Would they look better in tights? How about if I cut out dessert for a few days?
Here's my theory: for many of us, our bodies are the first thing we try to control and find we can't, and that's why we disconnect. During high school, I went on approximately a million diets. Each time, I'd lose a few pounds and then gain back even more. The bobble of fat never disappeared.
My body should have been under my control, shouldn't it? But it wasn't. So I retreated. So I started to live from the neck up.
Just like my acupuncturist promised not to leave the room until she'd pulled out the damn needles, I promise I haven't dragged you all this way without preparing some strategies for dropping back into your body.
Some people reconnect to their bodies by thinking What do my toes feel like right now? Olivia Fox Cabane recommends this, and it certainly seems to work for her.
For me, though, after years of living from the neck up, my toes just feel like… toes.
So here are a few strategies that have worked for me. Deploy them whenever, wherever, but especially in moments when you feel derailed by panic, perfectionism, or procrastination.
In other words, whenever it's time to create.
Strategy one: Music
Listen to music, ideally through speakers rather than headphones. Turn up the volume and feel the vibrations in your body. Does the music resonate in your pelvis? Your gut? Your teeth? Pay attention to the muscles of your neck and shoulders. Are they clenched or relaxed? Do your muscles respond to changes in the music's volume or pitch?
Strategy two: Body scanning
Not an MRI, fortunately. Body scanning is a meditation technique that entails sweeping your attention from your head to your toes, noting how each part of your body feels. You can do this on your own or follow a guided meditation like this one.
Strategy three: Massage
When you get a massage, you can pay attention to physical sensations while remaining relaxed. It's almost like a facilitated body scan.
If massages aren't your thing, you could mindfully apply lotion or coconut oil to your arms and legs after a shower.
Do you think body awareness matters? Is it important for your creativity and happiness?
Have you ever connected to your body as a way to escape the mental spin cycle? Any tips or advice?


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ICRC President on NPR's All Things Considered: Life In Yemen's Taiz/
ICRC President Peter Maurer spoke to NPR's All Things Considered live from Yemen. He visited the besieged city of Taiz and described to host Kelly McIvers what he saw on the ground. He arrived in Yemen earlier this week in the midst of what is being called world's worst largest cholera outbreak.
In a statement released this week, Maurer said,"The great tragedy is that this cholera outbreak is a preventable, man-made humanitarian catastrophe. It is a direct consequence of a conflict that has devastated civilian infrastructure and brought the whole health system to its knees. I find this needless suffering absolutely infuriating. The world is sleep-walking into yet more tragedy."
Watch the full interview here.
Read more about the situation in Yemen and how the ICRC is responding here.


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October 31, 2018
Happy #GivingTuesday! #GivingTuesday is a global day of giving in which millions of people come together to support the causes they believe in.
This year, with your help, the Young Center aims to raise $25,000 to provide Child Advocates for immigrant children across the country. Your contribution will make such a difference—for a 12-year-old girl from Guatemala, a 5-year-old boy separated from his mother, a 16-year-old girl fleeing a forced marriage. Please lend us a hand by making a donation in any amount.
Thanks to the generosity of board members, staff, and early donors, your #GivingTuesday donations will be matched up to $7,500—$10 becomes $20, $50 becomes $100, $250 becomes $500.
This #GivingTuesday, make your message loud and clear: every child deserves to be safe.
Over the course of #GivingTuesday, we will also be sharing the story of a child we were able to help. To hear it, follow us on Facebook, Twitter, or Instagram, or subscribe to our email newsletter


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The simplicity of prayer is deceptive, because it makes it easy to forget just how powerful and life changing prayer is. Prayer is a very powerful thing, and an effective tool that makes changes in the universe, in our etheric bodies and in our lives. The fact that we have something so powerful that we can call upon at any given moment that we choose is a testimony to the benevolence of the Universe. The fact that prayer is simple doesn't mean it is ineffective, it is just more evidence of how blessed we are.
In a benevolent Universe, we must first ask for what we want. Clarity and intention is imperative. Benevolence does not assert it's will, even if that would make us happy. We must make our request. The Universe answers.
If you are familiar with me, you already know that I remove blocks for people. I can take them right out of your field. A block is a thought, intention, emotion or pattern that gets stuck in your energy and causes problems. A prayer works much the same way, but for good. Just as I can remove blocks from your energy, prayers can be inserted as well. I have seen, first hand, much to my surprise, the amazing effects of prayer on the etheric body. I can literally look at your field and see the effects that your prayers have been having on you. A block is a result of pattern. The best way to ensure that we are effected by a prayer is to make that intention a pattern in our energy. One time is good. Continued reinforcement is better.
Our prayers do not only effect ourselves, they effect others as well. Which is why we must be very careful. Every thought is an intention. Every word is a spell. Thoughts and intentions transcend time and space and they do create change.
Here is a prayer to help you achieve what you are wanting for your Twin Flame Union.
May only the purest, unconditional Love, Light and Truth come through to me.
I call upon all of the benevolence of the Universe to assist me with the following intent:
Please clear a path, open all doors and remove all blocks which may stand in the way of this that I am asking for today. May any and all things that are interfering with my request be removed, dissolved and cleared. May any person or entity who is currently meddling, manipulating, asserting their influence or interfering with my highest and greatest Union be neutralized and unable to do so any longer. As the ultimate, sovereign ruler of my kingdom and creator of my reality, I declare this and as I say, it is so.
I ask for every benevolent force to offer any and all assistance to me and my True Twin Flame, on our path to Union. Please ensure that we receive supreme clarity and become one with our highest truth. Please bring to us all of the tools that we will need to create a harmonious and ideal Union. Please ensure that we have all of the means to attain and to use these tools in the highest and best way. May we receive all of the insights that we need to fully understand the truth of ourselves, our situations and the actions we must take to achieve this goal of happy Union together. May we receive the inspirations that tell us exactly the best and highest actions to take and at the perfect times to help us successfully achieve this endeavor. May we receive the highest guidance available to keep us on this path and may we always understand fully, the messages that are coming to us, in the way that spirit intended for us to understand them. May we be open to receive and understand truth, no matter how difficult, so long as it is for our highest good. May we uncover and overcome any and all things which have previously stood in our way. Please deliver strength and courage to us in great abundance to ensure our ability to create positive change in our motion forward, toward harmonious Union.
I ask and intend this for myself and for my Twin Flame, who is my ideal and divine, life partner. I cast this intention out into the Universe in full knowing and faith that it is done. Thank you, Thank you, Thank you.


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text: On May 26, 2010, at 11:10 PM, Howard Chu wrote: > Ludovic Poitou wrote: >> Are you really trying to achieve a MOD_ADD_IF_NOT_PRESENT or don't fail > adding an attribute or value if the value is already present ? >> >> MS AD has a PERMISSIVE MODIFY CONTROL that remove the ADD/DELETE >> constraints > on the attributes and values, so that adding an attribute that exist will > succeed but do nothing and similarly deleting an attribute or value that is > not present succeed. > > Funny you should mention that. We support this control as well. I've just added support for this control in OpenDS as well. > I didn't get the impression that that was the goal here. It sounded to me like "add this value unless *any* value is present" not "add this value if *this value* is not present"... Ok, I haven't paid too much attention at the full thread. But, personally I would be reluctant to extend the protocol (modification types) to cover use cases that are very close to existing solutions. But hey, OpenLDAP is not my product / project ;-) Regards, Ludo > >> My 2 cents. >> >> Ludovic. >> >> >> >> >> On May 26, 2010, at 3:53 PM, email@example.com wrote: >> >>>>> I need to implement a modify operation whose semantics is "add if not >>>>> present", an add that only takes place if that attribute is not yet >>>>> present in the entry. >>>>> >>>>> I need it as an internal operation, so right now I wouldn't bother >>>>> formalizing it as an extension of the semantics of the modify operation. >>>>> Something like the SLAP_MOD_SOFTADD, which in turn consists in adding an >>>>> attribute value only if that value is not already present. >>>>> >>>>> I'd introduce a SLAP_MOD_ADD_IF_NOT_PRESENT flag and add code to support >>>>> it in all (well, most) backends/overlays that need to muck with modify >>>>> operation type. >>>>> >>>>> Comments? Objections? p. >>>> >>>> It might be a good idea to have a SOFTDEL as well; both are useful for >>>> declarative modifications of data. Think of them in terms of: >>>> >>>> Soft Add: The attribute shall contain at least these values, but might >>>> have others >>>> Soft Del: The attribute shall contain none of these values, but might have >>>> others >>>> >>>> Ideally as modify sub-operations. >>> >>> I'm not sure I understand how SOFTDEL differs from LDAP_MOD_DELETE. Do >>> you mean that values listed in SOFTDEL will be deleted if they exist, or >>> otherwise ignored? >>> >>> p. >>> >> >> --- >> Ludovic Poitou Sun Microsystems Inc. >> OpenDS Community Manager Directory Services >> http://blogs.sun.com/Ludo/ Grenoble Engineering Center - France >> >> OpenDS, the Java LDAP Directory Server >> http://www.opends.org >> >> >> >> > > > -- > -- Howard Chu > CTO, Symas Corp. http://www.symas.com > Director, Highland Sun http://highlandsun.com/hyc/ > Chief Architect, OpenLDAP http://www.openldap.org/project/ --- Ludovic Poitou Sun Microsystems Inc. OpenDS Community Manager Directory Services http://blogs.sun.com/Ludo/ Grenoble Engineering Center - France OpenDS, the Java LDAP Directory Server http://www.opends.org


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Fellowship Events
|[Weekly] [Daily] [Simple]
|[Upcoming] [List] [Today]
Organising Events
As a local FSFE group, please feel welcome to organise local events in your area, and to publicly declare your group as the organiser of these events. FSFE's core team and staff are happy to support you in any way they can, so don't hesitate to ask for any kind of help you need.
Periodical Free Software Events
To learn about periodical Free Software events visit this page.
Adding Events
Use this form to set up an event page in Events/2019/
Recent changes in the event format
If you have been setting up events in the past, please mind some slight changes in the format.
- Event tables on a page must now be preceded by a headline with the event name.
- Time stamps should not include seconds anymore.
If your event does not show up, delete the cache
If your event still does not show up, check for errors on the /ShowErrors page
If you feel unsure, use the above form for starting an event page.


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