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New Water Analysis Tool Monetizes Revenue at Risk
by RP Siegel on Friday, Aug 28th, 2015
World Water Week is going on right now in Stockholm, Sweden. This year marks the 25th edition of the annual international event aimed at calling attention to issues surrounding water.
Over the years, businesses have played an increasing role in dealing with the issue, which makes sense considering the size of the impact that business has. What also makes sense is the fact that smart water policy can not only save companies money, but in many cases, water also represents a strategic asset, without which many businesses could not operate. A major aspect of the sustainability journey has been the process of making ecosystem assets that were previously considered externalities visible to the financial side of businesses.
Back in 2014, a joint effort between Ecolab, a global leader in water technologies and services, and Trucost, a global leader in valuing natural capital, produced the Water Risk Monetizer.
This secure website is a tool available to businesses at no cost. An expanded version, announced today, provides new insights to help businesses factor current and future water risks into decision-making with a localized assessment of water scarcity impacts on current and future revenue.
The expanded version takes into account the fact that:
- Water scarcity has the potential to increase the cost of water, which makes operations more expensive and reduces profit margins.
- Water scarcity limits availability, making it more difficult to access the water a business needs to operate which can decrease production and result in loss of revenue.
"As water scarcity increases around the world, business leaders need actionable information to help them understand and manage their current and future water-related risks," said Douglas M. Baker, Jr., Ecolab chairman and chief executive officer. "The Water Risk Monetizer helps businesses make informed decisions to enable growth in this new era of water scarcity."
Two major factors have interfered with effective water management strategies. First, like many other natural capital resources, water is generally not priced to reflect its full value. As a result, many businesses don't factor potential cost implications associated with water scarcity into business decisions. Second, businesses often take the water they rely on for granted.
It's like McGee Young said in our conversation about the ROI of sustainability. Referring to those sticking with a strict show-me-the-impact-on-this-year's-bottom-line approach, he said, "They are working with the outdated assumption that the environment we are operating in is not about to change into one that will be far more expensive and difficult."
Not only are the world's water supplies limited, but demand is increasing and quality is declining due to the need for more food and energy, increased economic development, and other factors. The new monetization tool provides businesses with information on the financial implications related to water scarcity risks and the likelihood that these implications will occur.
Specifically, the tool provides:
- Risk-adjusted water cost: monetary estimate of the full value of water at a facility level, based on what water would cost if supply and demand were accurately reflected.
- Potential revenue at risk: estimated amount and likelihood of the revenue that could potentially be lost at a facility due to the impact of water scarcity on operations.
"The new revenue-at-risk indicator illuminates the threat that businesses face from water scarcity," said Richard Mattison, chief executive of Trucost. "It helps companies raise awareness about the need for investing in sustainable water management, as well as providing a practical water risk assessment tool to factor water scarcity into business decisions."
The original water risk premium model calculates a risk-adjusted water cost by correlating local water scarcity to considerations that contribute to the full value of incoming water, based on scarcity, for a specific facility, including:
- Current and projected water use
- Current and projected local water scarcity
- Economic variance and purchasing power
- Historical trends in country-level water tariffs
Using algorithms derived from published scientific studies on water scarcity and in-stream water values, such as groundwater recharge, waste assimilation, wildlife habitat and recreational activities, the tool correlates a facility's water use to these local water scarcity considerations to calculate a "water risk premium."
The water risk premium, when added to the local price a business pays for water, quantifies the value a business should place on water based on real and future water scarcity risks (current, three-, five- and 10-year projections).
The new Potential Revenue at Risk function estimates the value of the revenue that a facility could potentially lose due to the impact of water scarcity on operations. The tool uses a revenue-at-risk model to estimate the amount of water available to the facility – its "share" of total water available to industry water users in the basin based on the facility's contribution to the local economy.
Because water is a finite resource that is shared by many users in a water basin, the amount of water that should be available to a facility may be less than what a facility needs.
That amount available could also change over time, as water scarcity increases or as a local economy grows (the tool forecasts revenue at risk over three, five and 10 years). The revenue-at-risk model compares the estimated amount of water a facility requires to generate revenue (cubic meter per U.S. dollar of revenue) to the facility's share of water in the basin if water were allocated among water users based on economic activity (contribution to basin-level GDP). If more water is required than the basin share of water allocated (as determined by the model), then a proportion of the facility's revenue is potentially at risk.
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Celebrating illustration, design, cartoon and comic art of the mid-20th century.
Thursday, September 18, 2008
Nearly Anonymous: Robert Bugg
No doubt Robert Bugg aspired to work for 'the slicks' - the major magazines - as an illustrator, just as those other artists did. Just look at how his work matured in the ten years after he did that comic page. What a confident, expressive style... what a beautiful flourish he brings to his inked line!
In these terrific pieces from the September 1952 issue of Cosmopolitan magazine, I see some of the same Hank Ketcham-esque qualities several other people noticed in the work of Ressler from yesterday's post...
But also, Bugg's work reminds me a little of some of the great Albert Dorne's inked line cartoon style. Click on the Dorne image below and I think you'll see what I mean. I wouldn't be surprised if Robert Bugg was a fan of Al Dorne's work.
There are also some similarities to Jack Davis' work, though I think Bugg's work is 'cleaner'. But he was able to achieve that same wild caricatural quality of body language that Davis did so well. (Incidentally, I met Jack Davis at last years Reubens Awards in New Orleans and, not surprisingly, he spoke enthusiastically about his admiration for Albert Dorne's work).
Robert Bugg did quite a bit of work for Collier's magazine during the 50's. I'm impressed by the wide range of styles he was capable of - from his zany cartoon style above, to the 'reigned in' line art style shown below...
... to an even more realistic painting style exemplified in this full colour piece.
But by 1958 Collier's magazine was gone... and magazine assignments in general dried up just a few years later. So its not surprising to find Robert Bugg paperback covers like the two below, both from 1963. Like many other illustrators, Bugg may have been searching for new markets during those difficult times.
Here we see the artist going even more cartoony than ever before. How I wish I had more examples of his 1960's work.
The final bit of info we have on Robert Bugg is that in 1972 he ghosted the Dennis the Menace Sunday comic for Hank Ketcham. Having seen Bugg's baseball cartoons above, I'm positive he would have handled that assignment with ease.
Despite all this chronology we have about Bugg's career, I feel he still remains nearly anonymous. Here's hoping some day we'll learn about the man behind the artwork - a talented cartoonist/illustrator named Robert Bugg.
* Many thanks to Jim Vadeboncoeur for doing the research at http://www.bailsprojects.com that revealed Robert Bugg's career details - and for providing the scan at the top of this post.
* Thanks also to paperback cover art archivist, 5m@5hYdez , who's astounding collection on Flickr is without a doubt the most invaluable resource anywhere for artwork of this type.
* My Robert Bugg Flickr set.
8 comments:
I was going to do something with Bugg as wel one of these days. I am still wonderring if he was the artist of the long running Explore Your Mind. Anyone know?ReplyDelete
That boxing image is superb.ReplyDelete
I'm sorry ger, I don't know about the Explore Your Mind series. At this point all the information I have on Robert Bugg is what you see here.ReplyDelete
Your own blog is wonderful, by the way - thanks for sharing your amazing collection :-)
ummm... we should talk... Ive got a ton of Bob Buggs work from the sixties and seventies. He found a home for his work and a friend in my father at our small trade publication called Ski Area Management. In fact, I have just found several binders of his originals this past month. I look forward to continuing the conversation. Sincerely, Andrew H. RowanReplyDeleteReplies
I just picked up 3 originals of Bob's original numbered sketches. One is Curious George and the man in the yellow hat. Another is Jackie Gleason on the links with Norton and the 3rd is of two women in mink coats..however, only one is a REAL mink and the kittens are all over her! These were sold to me (not directly) by his son. Any interest?? Let me know. email@example.com
He also illustrated the cookbook for the actress who played Granny on the Beverly Hillbillies. Granny's Hillbilly Cookbook I think it's called. I remember a beautiful image of a possum crawling out of a pot.ReplyDelete
- Quentin Hardy9:23 PM
I grew up around Mr. Bugg. He was one my dad's closest friends, and part of his weekly golfing foursome. I knew him for 36 years - very talented, very funny, but a somewhat fragile guy. The lore was that Andy Warhol, when he was a commercial artist in the 50s, wanted to team up with him. That wasn't something he could find in himself, but he did have a very strong aesthetic/art history sensibility, and at his drawing table was like another person, in terms of focus.ReplyDelete


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Smokerolla Wholesale Shipping Information & Policies
Due to the overwhelming demand for our products, we pledge to do our best to keep them in stock as BEST WE CAN and ship them out to you AS SOON AS POSSIBLE.
To that end, we ask that you agree to the following shipping terms and policies BEFORE placing any orders with us and understand that your order constitutes your full agreement to the following items:
*** NOTE: YOU CAN CROSS REFERENCE THESE SHIPPING POLICIES WITH OUR RETURNS, REFUNDS, & WARRANTY POLICIES, found here. ***
- We understand that not everyone lives in Los Angeles, California. For those reasons Smokerolla ships all orders in plain packaging & with a generic looking label. We use plain brown boxes (we do recycle to save waste, so sometimes they aren't new), and or ship in plain cartons or USPS approved boxes.
- Smokerolla does Not sell products to anyone under the age of 21 (18 where applicable). For this reason we may make your package require an adult signature. If you are trying to use a stolen credit card, and or are under age, please don't. This does not mean every package will be signature required. In most cases they won't.
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Dropshipping Services
Do you dream of owning an online store, as around 105,000 Americans do? Before recently, the process was laborious and costly.
Before the advent of drop shipping, e-commerce retailers had to purchase their inventory, find somewhere to store all the goods and then handle the logistics of packaging and shipping to their customers.
With drop shipping, virtual retailers don't have to keep any actual inventory in stock. Rather, they team up with a supplier who takes care of all of the order fulfillment and shipment details. When an order comes in, the retailer submits that data and the supplier takes care of the rest.
Sounds simple, right? It can be, but if you're wondering, "How do I start a dropshipping business?" it's best to start from the beginning. Today, we're sharing six steps that can turn you into the e-commerce leader you want to be.
Ready to learn more? Let's get started.
1. Decide on Your Niche
The most successful dropshipping companies are masters of one. Rather than offering a little bit of everything, laser focus your efforts. By dropshipping products on Shopify via the Smokerolla APP you can sell lifestyle items like parts & accessories for vaporizers, apparel, rolling papers and wraps, and famous glassware products like water pipes, dab rigs, hand pipes, and more.
There isn't a right or wrong answer as to what to sell. The only guideline? Make sure you're interested in it in your niche! You'll need to be able to speak in an authoritative voice about your products and if you're not passionate about them, it will show.
Not sure where to start your search? Here are a few considerations to keep in mind about every prospective niche you're considering.
Potential Profit
As the owner of a dropshipping store, you don't have to worry as much about physical product details. Rather, your focus is on customer acquisition and digital marketing.
That means you're putting in the same amount of legwork for each item, regardless of how much it sells for. A $15 t-shirt or a $1,000 watch both require online advertising. Keeping that in mind, look for products with a price point that makes them worth the effort.
Shipping Costs
True, the shipping falls on your manufacturer or supplier. Still, if you're forced to tack on a sky-high shipping charge to each item, it will deter prospective buyers in a heartbeat.
One recent study by the National Retail Federation revealed that 75% of online shoppers expect free shipping on all items, even those over $50. To keep up with demands and expectations, find products that are lightweight and easy to ship. This way, you can absorb the cost as a business expense while still offering the benefit of free shipping to your customers.
Specialty Products
Want to attract a wider audience of buyers? Sell them something they can't buy in their city. One of the appeals of online shopping is the wide array of products available, so get creative and look for one-of-a-kind specialty products that will help your brand stand out.
Quick-Click Buys
Most people who browse drop shipping sites and make a purchase have the disposable income to do so. These types of stores advertise flash sales, bundle deals, and last-minute discount codes to encourage impulse buyers to convert.
Does your product speak to buyers looking to spend a little extra cash? Or does it require a thoughtful decision and a major investment? Make sure it's the former.
Search Volume
You want to offer products that your target audience is searching for. When fine-tuning your niche, leverage online resources including Google Keyword Planner and Google Trends to find popular search terms related to your industry.
Type in the name of the objects you plan to sell. How's the traffic volume? If it's low, that means it's time to think about offering something else or strategizing your new position.
2. Check Out the Competition
Not only are you competing against other drop shippers, but keep in mind that you're also up against other online retail giants like Amazon.
When you start, you may not be able to compete with the top-tier drop shipping services, and that's OK. You'll spin your wheels, deplete your resources and drive yourself crazy looking for a super-exclusive niche that's still untapped. If no one's buying it on Amazon, chances are low they'll head to your store to seek it out.
Instead, embrace competition.
Look for similar products that are in high demand and research what sellers are doing to inch ahead of their peers. If a product on one of these mega-sites isn't performing well, that's a sign it's uncompetitive. From high shipping costs to too-tight profit margins, there are myriad factors that can attribute to this outcome.
3. Find the Right Supplier
Especially in the beginning, you might feel tempted to settle for the first supplier that comes along. After all, you're ready to set up your store and start selling!
However, it's important to take your time with this next step. Linking your brand to the wrong supplier can create a domino effect that brings your whole business down.
As many dropshipping suppliers are headquartered overseas, make communication a top priority.
Ensure communication is clear, consistent and quick. You'll need to have these lines open so you can relay order details and ensure a timely response. Otherwise, misunderstandings can lead to delays, which lead to irate customers, negative feedback, and a stain on your business.
During the initial interview process, also inquire about each supplier's scalability. Can they support your brand as it grows and demand increases? Or, is their storage capability limited, along with their support resources?
For other questions to ask potential partners, read online blogs and forums from others who have walked this road and found success.
4. Make a Website
You can't sell anything online without some form of internet presence! That means you'll need to have a website to get started.
Stick to a simple website builder that takes care of the backend development work for you, such as Shopify. You don't need an extensive tech background to get your site up and running on this platform and it also includes plenty of apps to help you sell smarter.
Of course, if your budget allows, you can get a slicker website when you team with a professional web designer and let him or her take the reins. Yet, it makes more sense to stick with these simple plug-and-play versions until your store takes off. Then, you can revisit the idea of expert design.
5. Attract Your Target Audience
Once your site is set up and your store is live, it's time to reach out to those prospective buyers!
Start by creating a cost-effective Traffic Roots Ad campaign. This way, you can market your goods straight to potential buyers without hoping they'll navigate their way to your website first. This is a great way to ramp up initial sales and set the foundation for profitable scaling.
At the same time, launch a campaign to request the contact information of anyone who visits your site or makes a purchase. With that valuable data, you have the basis of an email marketing list! Use this platform to connect with your followers and encourage repeat purchases by emailing discount codes, fun giveaways, and other promotions.
6. Analyze Your Performance
Growth requires understanding. Unless you know how your dropshipping business is performing, how will you know how to tweak and improve it?
To that end, make it your goal to track every conversion.
Where did it originate? How long did it take to come to fruition? What did the path to purchase look like?
Google Analytics is a great resource when you're looking to measure these metrics, as well as Advertiser Analytics in Traffic Roots if you decide to run a few campaigns. Once you have the data you need, use it to scale your shop more effectively. Prioritize top performers while decreasing efforts spent on those lagging in sales.
How Do I Start a Drop Shipping Business? One Step at a Time
There's no surefire way to guarantee that your next business venture will be a red-hot one. Even the best ideas can fizzle out after a few months, while ideas no one expected to succeed can become industry disrupters and game-changers.
As such, the answer to the pivotal question of "How do I start a dropshipping business?" is simple. Take it one step a time, resisting the urge to rush ahead of yourself.
Do your due diligence and find a stellar supplier. Research your product niche to make sure it's popular, and then learn how to make it competitive. Create a dynamic website and commit to a digital marketing campaign.
These are steps you can't afford to skip, so take your time!
Interested in selling smoking accessories in your dropshipping store? We'd love to partner with you. We're an international brand that offers thousands of SKUs centered on the smoke and vape market.
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I was wondering if this made sense. I want to have a player Ship who has a skill called "Drain Bullet". This skill fires a bullet and will drain the health of a ship that the bullet hits.
I will be polling for for bullet collision in the Game class, and I want it so when it callsSkill slowBullet = new Skill(10, 1, 5, "Drain Bullet") { public void affect(Ship shooter) { final Ship player = shooter; Bullet bullet = new Bullet(BulletType.PLAYER, shooter, 10, -1, new Skill(0, 0, 0, "Drain Bullet") { public void affect(Ship target) { target.takeDamage(10); player.heal(10); } }); Game.addBullet(bullet); } };
the Player will heal, and the enemy will take damage.bullet.affect(enemy); // enemy is the ship that gets hit by the bullet
Does this code actually make sense? Seems really confusing and I don't know if it will work.


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Surreal brilliance and an antidote to the glossy, predictable and sycophantic outpourings from some of the more established sports media. No, it's not another Guardian review of European Football Weekends - this is what cool cats are purring about the Football Ramble. The podcast, website, Facebook Group and Twitter feed that fans are lapping up in their thousands.
The multi-award winning podcast is presented by Fulham fan Marcus and features three other lads; JamesorJim (Arsenal), resident Geordie Pete and Portsmouth fan Lukey Moore who EFW had the fine pleasure of meeting and interviewing:
A bulging trophy cabinet full of awards and record amounts of listeners. It's all going rather swimmingly for you chaps right now no? - Haha, that's very nice of you to say so. We're enjoying making the show, and it's great when people like it so much that they tune in every week. The awards are great as well, but they're obviously not the reason we make the show. That said, it's flattering and encouraging when you win them; it means you must be doing something right.
Be honest, how often do you check to see where the Ramble is in the itunes chart? Haha! I undoubtedly check it more than the other boys, I'm always keen to find out where we are. The other chaps are bored to tears when I email them every day saying 'We're 4th in the Sports charts!' or 'We're 34th in the Podcast charts!' I'm sure, but then to be fair I get bored when Pete emails me a load of photoshops of my face on farmyard animals, so it's tit-for-tat.
Is there a simmering rivalry between The Ramblers and Football Weekly team? Not at all. We're all big fans of their work, and we wouldn't even be making a show if it wasn't for James Richardson's Gazzetta Football Italia. He greatly inspired us. I know that at least one of the FW boys listens to the show as well because he tweeted me correcting me on some factual error not so long ago. Also, we were going to sort a five-a-side game out with them at some stage, but it's not happened just yet. We're all so busy. Maybe we'll make it happen after the World Cup. Failing that, I'm sure we'll go for a beer instead.
You've all got full time jobs, how much time and effort do you put into the Ramble each week? A lot. More and more these days. We're doing a lot of stuff for the World Cup build up, and we also have to meet/email/phone each other all the time to make sure we all know what we're doing etc. Then there's the website which can take quite a bit of time. Yeah, quite a lot.
It is still a lot of fun though eh? - Of course. I'd never complain about it. We're busy because the show is popular. It's important to remember that, I think.
Which other players have you had on? Er, we've had a number of players and managers do little idents for us. In terms of actual interviews, just Dean Windass I think. Our type of show tends to rule out having a load of players on though. We think about getting them on and then realise that we'd probably just take the piss out of them for ten minutes and they'd inevitably get pissed off. It's best that we're outside of that circle of people, I think. That way we can be more objective. Having said that, Marcus got Joe Kinnear to do an ident once. He only had to say his name and 'you're listening to the Football Ramble' and he kept forgetting it. It was hilarious. Poor old Joe, he's not the brightest.
You like to pull a few stunts on the show, any that stand out? We sent Jim's hair to Peter Kenyon when he was Chelsea Chief Exec. He didn't reply. Other stunts tend to revolve around Pete bullying me. Over the last six months he's punched me in the bollocks in an airport departure lounge in Barcelona in front of about 200 hundred people, put my phone down his boxer shorts, and taken a picture of me half-naked and put it on the internet. And those are just the ones I know about. He comes across as a lovable, cheeky joker when in fact he really is an awful human being.
Tim Lovejoy is a God discuss.. - A God of what? Haha! Seriously, every time I do an interview with anyone, Tim Lovejoy gets brought up. I have no idea why. He's a terrible football broadcaster and comes across as massively arrogant. I don't actually know him, though. I'm sure his Mum loves him and loves washing his Watford and Chelsea shirts when he goes to visit her.
Has it always been hunky dory at Ramblers HQ or have you had any fallouts? - We have disagreements all the time, about what should go in the show and what shouldn't, especially. But in terms of personal fallouts, no. We're all pretty reasonable people, I think. Either that, or the other three are just amazingly tolerant of my outrageous demands. But I'm hoping it's the former.
Have you had any criticism from listeners about aspects of the show? - Yes of course. People email in from time to time saying we're wrong on a particular issues, or that we've got a fact wrong here and there. That's all good though, I'd rather someone emailed in and told us than just kept quiet. Otherwise we'd go through life thinking we're right all the time. Which is obviously not the case. Oh, and there was that time when you told me that you thought the Hall of Fame/Profile feature was 'boring', Danny. Don't think I've forgotten that. Let it be known that agreeing to do this interview after that jibe is a measure of how reasonable I am.
You interact with the listeners on Twitter and Facebook which is great. How much correspondence do you get a week? - I'm not sure, but it's a lot. We always try and reply to emails, JamesorJim looks after that and he does a great job. I think we get something like 700 interactions a week on Facebook and then there's the Tweets and the emails on top of that, so it's a lot, yeah. Again, this is a good thing though. So no complaints from us there, either.
You're off to the World Cup. I'll say that again 'You are off to the World Cup' You must be like a dog with two appendages? - Yeah, it's pretty amazing. We'll be out in Johannesburg for the final. I've not been to a World Cup before, so it's something I'm really looking forward to. I hope it's a tournament that's remembered for footballing reasons, rather than something unsavoury.
How much output can we expect from you lads during the tournament? Oooh, lots of blogging, videos, Rambles and things like that. I am sure we'll think of lots of other things to get up to while we're there, too. We could do a webchat or something. I don't know, I'm making up as I go along. But definitely the first bit, the blogs and Rambles and videos; we're definitely doing those.
Pete spins the wheels of steel at XFM and you're known for your musical taste as well. What should we be illegally downloadi....sorry, where should we be spending our itunes vouchers these days? - Am I known for my musical taste? Is that actually true? Probably not. (check out Luke's personal Twitter feed for the truth. New Pornographers this and Band of Horse that - Ed) this However, at the moment I am chiefly listening to Japandroids and Syd Barrett. Separately. They never did a record together, to my knowledge. They're both great though, and The Madcap Laughs by Syd Barrett is the best summer album ever.
Can you recommend a good place for a *ahem* European Football Weekend? Barcelona is a great one, but you've probably already been there (yep - Ed). Other than that, what about Portsmouth!? No, hang on, wait, come back....
And finally, The Ramble all started in your kitchen. Where will it all end? - We're not going to stop until one of us is Prime Minister, one is presenting Match of the Day, one has a knighthood for services to LOLS and Pete has learnt how to tie his shoelaces.
EFW interviews with Barry Glendenning, Sid Lowe and Gabriele Marcotti.
Follow the Football Ramble and EFW on Twitter.
Are you part of the Ramble Force?
- Feel free to comment below -


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Urban Wastewater Systems
Photo courtesy photos.innersource.com
Water treatment plant in Libertyville, IL
The sewer mains flow into progressively larger pipes until they reach the wastewater treatment plant. In order to help gravity do its job, the wastewater treatment plant is usually located in a low-lying area, and sewer mains will often follow creekbeds and streambeds (which flow naturally downhill) to the plant.
Normally, the lay of the land will not completely cooperate, and gravity cannot do all the work. In these cases, the sewer system will include a grinder-pump or a lift station to move the wastewater up over a hill.
Photo courtesy photos.innersource.com
Screw pumps
Once the water reaches the wastewater treatment plant, it goes through one, two or three stages of treatment (depending on the sophistication of the plant). Here's what each stage does:
- The first stage, known as primary treatment, does the same thing a septic tank does. It allows the solids to settle out of the water and the scum to rise. The system then collects the solids for disposal (either in a landfill or an incinerator).
Primary treatment is very simple -- it involves a screen followed by a set of pools or ponds that let the water sit so that the solids can settle out.
Photo courtesy photos.innersource.com
Primary screen
Photo courtesy photos.innersource.com
Primary clarifiers
Primary treatment might remove half of the solids, organic materials and bacteria from the water. If the plant does no more than primary treatment, then the water is chlorinated to kill the remaining bacteria and discharged.
- The second stage, known as secondary treatment, removes organic materials and nutrients. This is done with the help of bacteria -- the water flows to large, aerated tanks where bacteria consume everything they can.
Photo courtesy photos.innersource.com
Aeration tank
The wastewater then flows to settling tanks where the bacteria settle out. Secondary treatment might remove 90 percent of all solids and organic materials from the wastewater.
Photos courtesy photos.innersource.com
Secondary clarifier
- The third stage, known as tertiary treatment, varies depending on the community and the composition of the wastewater. Typically, the third stage will use chemicals to remove phosphorous and nitrogen from the water, but may also include filter beds and other types of treatment. Chlorine added to the water kills any remaining bacteria, and the water is discharged.
Photo courtesy photos.innersource.com
Final clarifier
Photo courtesy photos.innersource.com
Chlorination tank


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I've been having an urge to buy matte nail polish colors. I wanted to paint my nails a bright matte baby pink, so I decided to go through my nail polish and see what I had. And I came across this little treasure. It's from Ulta and it's in the color babydoll. I actually got this nail polish in a freebie when you purchase something. I absolutely love the color! Reminds me of the Essie colors. Which, by the way, I'm dying to buy, but just so darn expensive!! :P I just did my nails right before this photo so they're kind of crappy around the edges, but I do love this! Given that it's a pastel color, it didn't take me a million coats, it actually only took me two!
I probably should have taken the photos during the day, but I was just so busy today I could only take photos at night, and I had to blog, of course. :) So I'm sorry for the short post. Talk to you guys tomorrow!


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So you've finally decided to spruce up that dull-looking engine bay, but you're caught up in the dilemma of deciding whether or not you want to paint or powdercoat those engine parts. Before you decide to pull out that spray can, here are a few facts to consider.
What are the biggest differences in painting versus powdercoating, you ask? Powdercoating compared to paint is advantageous and more resistant to impact, moisture, chemicals, ultraviolet light, and other extreme weather conditions. In turn, powdercoating also reduces the risk of scratches, chipping, abrasions, corrosion, fading, and other wear and tear issues often associated with painting. Plain and simple, it's stronger and tougher. But the question that we often hear from our readers is: How hard would it be to just strip and powdercoat in your garage?
Here's the intake manifold in bare aluminum form that we prepped and cleaned with Eastwood Pre before coating.
The powdercoating process begins by prepping our intake manifold and removing previous paint using a chemical stripper. If your manifold still has the OEM powdercoat, we recommend using a media blaster to remove the material.
After using a brush to apply the chemical, we were able to scrape away the excess paint.
We purchased an Eastwood Dual-Voltage Powder Coating System for our DIY project. Most powders will cure at 400 degrees F after becoming a liquid form. Not only will you be able to powdercoat all types of engine parts in the convenience of your own garage, but it can also be accomplished by using an old electric oven/toaster, or in our case an Eastwood infrared lamp to cure the powder.
The Eastwood Dual-Voltage Powder Coating System will allow you to achieve the benefits of powdercoating small parts instead of coating them with paint. The new Dual Voltage system gives you the capability to coat small areas using the low (15kV) setting or coat large areas using the high voltage setting (25kV). Additionally, you'll need a compressed air source (5-10 psi from a portable tank with a regulator or a compressor.
Eastwood offers over 90 unique colors to fit any project you're looking to conquer. From super gloss to metallic finishes, there's a color that's perfect for you. We went with "Machine gray", similar to Battleship gray.
We highly recommend using high-temp silicone plugs to prevent powder from plugging threaded holes and/or studs. If you've ever coated before, you know how much of a pain it is to rethread coated holes.
For smaller parts we purchased an inexpensive electric toaster oven to cure parts. A word of advice: Never use your house oven to cure powdercoat.
If the parts you're looking to coat are too big for the oven, consider using Eastwood's Infrared Powder Curing System. We used their 10x8-inch unit to cure our manifold inside our garage.
Since we were attempting to cure this intake in the dead of winter, we built our own oven by wrapping the setup in foil to maintain constant heat throughout the entire piece.
Since the manifold was obviously large in length, we opted to cure the piece in two sections.
Here's a shot of our pulleys fresh out of the oven.
Here's a final image of our coated intake manifold ready to be bolted on to our project EJ25 engine.


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Ward 11 Frequently Asked Questions
Assist Yourself with 311. There are many reports you can file yourself!
Abandoned Cars –
"The same car has been parked on my block for several days. What can I do about it?"
See Minneapolis Impound Lot Web page on Abandoned Vehicles.
Adult Services –
"I think there's a vulnerable adult on my block. Are there any ways to help them?"
The Adult Services Department serves adults with behavioral health issues, disabilities or vulnerabilities. The Department assists people with consumer and community protection, housing and employment or vocational skill building. For more information, contact (612) 348-4111.
Affordable Housing –
"What is the City doing to help create new affordable housing units?"
The City of Minneapolis, through its Housing Policy and Development division of CPED strives to create sustainable lifecycle housing opportunities throughout the city. These opportunities are made possible though the use of local housing development funds. These funds are then leveraged with millions of dollars in additional public and private funds to create a significant number of decent, safe and affordable housing opportunities for many housing needs. In addition to providing housing for special needs populations, workforce housing and affordable housing, this housing production fuels the economy by creating job opportunities for a wide spectrum of job classifications from bricklayers to architects to property managers, many jobs rely on the economics of development.
For further information, or for updated information on housing production, please see the CPED Housing Development web page.
Airports/Airplanes –
"Planes never seem to cease going overhead. Why doesn't the City do anything about it?"
The airport noise problem is one of the most vexing livability problems facing south Minneapolis. Under State law, the Metropolitan Airports Commission (MAC) operates Minneapolis-St. Paul International and is an independent municipality. As a result, Minneapolis and St. Paul have no legal authority over its operations.
Many airline and airport operations are governed by the Federal Aviation Authority and/or the courts. For example, the courts have ruled that night flights over residential areas cannot be banned since they would be a restriction of interstate commerce. The City, however, has reached agreements with MAC to limit night flights.
The City of Minneapolis and citizen activists continue to maintain a dialogue and negotiate with MAC on issues such as sound insulation, runway construction, and construction measures to limit noise problems.
I encourage concerned citizens to get involved with one of the grassroots organizations working on this problem and/or by letting their State and Federal elected officials know how they feel about airport laws and regulation.
Animal Control –
"I have a question about pet licenses or a problem pet. What should I do?"
Pet licenses are now available online or by calling 311.
Nuisance problems subject to regulation by the Animal Control Division include uncontrolled barking; feces that is not regularly cleaned up or disposed of properly; the number of adult cats and dogs at a particular property (which is limited to three without a permit); and dogs that are not properly confined. Regulations related to these common problems often include the requirements to provide adequate shelter to dogs kept outside, vaccinate dogs and cats against rabies, and obtain pet licenses for cats and dogs over 4 months of age.
Also, animal bites and incidents of aggressive behavior ought to be reported to the Animal Control Division. All of these reports are reviewed to determine whether a dog should be declared a danger to the public under city and/or state regulations. Many such declarations are made, and they often impose conditions and restrictions, e.g., that a dog must be muzzled or kept in a secure enclosure when not inside the owners house. Reported animal bites also involve a mandatory ten-day period of containment and observation to ensure that the victim does not need to have rabies shots. Questions about a particular problem may be addressed to Animal Control by calling 311, (612) 348-4250.
Business Licensing –
"I am having a problem with a business in my neighborhood."
Most businesses in the City require a business license to operate. Licensing is governed by the City's Code of Ordinance. A license is granted by the City Council and administered by the Licensing and Consumer Services division. The business license sets certain health and safety standards and parameters for orderly use. Types of uses that require operating licenses include: restaurants, bars, grocery/convenience stores, auto repair garages, and construction trades. If a business violates conditions outlined in the Code, the City may have cause to revoke or penalize the license and shut down the use. For assistance with nuisance businesses, contact Regulatory Services at (612) 673-2080.
Children and Family Services –
"I have a concern about the welfare of some children on my block. Whom should I call?"
The purpose of Children and Family Services Department is to protect and ensure permanency for children, to preserve families and to strengthen communities by sensitive, effective and ethical use of resources. This involves child abuse prevention and early intervention, crisis intervention and family intervention. To make a complaint or for inquiries, call (612) 348-4111.
Dutch Elm Disease –
"My tree has Dutch Elm disease and has to be removed…what happened and what do I do?"
Dutch Elm Disease Information Sheet
Garbage/Recycling & Yard Waste -
"My garbage and/or recycling weren't picked up this week. Whom do I contact?"
Call 311 and they will help correct the problem. Click on Solid Waste and Recycling to learn more about their polices and practices.
"My Yard Waste (grass clippings, leaves and brush) needs to be picked up. Who do I contact?"
Call Solid Waste customer service and they will help correct the problem. Their phone number is (612) 673-2917. See Yard Waste Collection to learn more.
Graffiti – Questions & Answers
Graffiti has become an epidemic in the city and my office is working with an interdepartmental task force within the City of Minneapolis to solve the problem. The most important thing you can do if victimized by graffiti is to clean it up as soon as possible. The long graffiti is visible, the more likely the area is to be victimized by more graffiti. The Result Minneapolis Graffiti Report shows total graffiti incidents and percent cleaned up within 20 working days for 2006-2008.
How can I prevent graffiti?
City inspections allows several days to clean up the graffiti once it is noticed by housing inspectors, however, the longer graffiti is visible, the greater the likelihood of crime happening in the area as a result. Please be as proactive as possible in addressing graffiti. Visit the City's Graffiti Prevention web page for tips on preventing graffiti on your property.
For an in depth investigative report on the causes of and solutions to graffiti, download the The Standish and Ericsson Neighborhood Graffiti Investigation.
How does the city decide what graffiti to remove/paint over first?
City crews respond to graffiti complaints in the order in which they are received. Due to a fairly lengthy cold spell, there is currently a backlog of orders. As long as warmer temperatures continue, crews will be out working.
How warm does it have to be to remove/paint over graffiti?
There is not an exact temperature that prohibits or allows for graffiti removal or paint over. Products used to accomplish this vary and there are other factors that have an impact as well. It is generally safe to say that graffiti removal and paint over is effective when it is above freezing.
How do I report graffiti?
Complete an online graffiti report. Or, you can also call 311 and a call center agent will file a report for you.
Why report graffiti?
Graffiti has a negative effect on communities. Along with lowering neighborhood appeal, decreasing property values and driving away prospective home-buyers, it also attracts criminal activity. Worst of all, gang members use graffiti to promote themselves. Covering up this graffiti takes away this gang tool and improves the overall look of neighborhoods.
What if I see someone in the process of making graffiti?
Whenever you spot a crime in progress, call 911.
What do I do if I have information on a graffiti vandal?
The Minneapolis Police Department wants to know any information you have on suspected graffiti vandals. Call (612) 673-5722 to talk directly to an investigator at the MPD Graffiti Investigations Division.
What happens after I make a graffiti report?
The graffiti is photographed by Clean City crews. A complete report is sent to the Minneapolis Police Department for investigation. A letter is then sent to the property owner to inform them of the graffiti and give them two options:
Remove or paint over the graffiti themselves within 7 days.
Wait 7 days, allowing the City to remove the graffiti, and pay the removal costs.
Clean City crews will check the property after 7 days to ensure that the graffiti is cleaned. If graffiti is still present after 7 days, the City of Minneapolis will remove the graffiti and bill the property owner.
A free quart of graffiti removal solvent is available at all Minneapolis fire stations. It is recommended for removing graffiti from unpainted surfaces.
The solvent works best on smooth surfaces, such as vinyl or aluminum siding.
When using on porous surfaces, such as brick or stucco, apply the solvent and let it soak, then remove with a power washer, sand blaster or soda water blaster.
Do not use on a painted surface! The solvent will remove that original paint.
Homestead Fraud –
"My neighbor is illegally taking the homestead tax credit but doesn't live in the house. Who do I call?"
It is not uncommon to find rental properties that do not have a rental license and are illegally receiving homestead tax status. If you find this to be the case, this should be reported the City Assessor, who can try and recuperate back taxes owed to the city. The number for the City Assessor is (612) 673-2382.
Housing Regulations –
Housing Inspections - " A house in my neighborhood has grass over a foot tall. Don't they have to mow?"
If you ever have a question that you believe relates to housing regulations - such as yard maintenance, multiple cars on a property, or others - call 311 with your concern. They will refer the matter to the appropriate Housing Inspector who will investigate and resolve the issue as appropriate.
Housing Maintenance Code - "My neighbor's house and yard are a mess. Whom should I call?"
The City's Housing Maintenance Code governs interior and exterior condition of residential property. The Code is designed to ensure minimum maintenance and upkeep of residential structures. The code covers roofs, painting and siding, litter and debris in yards, ground cover, windows, screens, doors, and garages. The Code also specifies standards and conditions for interior maintenance such as safe and operable appliances, and plumbing. You can file a complaint with Housing Inspections by calling 311.
Illegal car repair-
"My neighbor seems to have a car repair business in his garage. Whom should I call?"
The City's zoning code dictates the type of use allowed within city structures and in certain areas of the city. Many uses, such as commercial auto repair, and commercial vehicles, are prohibited in residential areas. To file a complaint about illegal car repair in the neighborhood, call 311.
Parks –
" Whom do I contact about Minneapolis Parks?"
All Minneapolis parks come under the jurisdiction of the Minneapolis Park and Recreation Board, a separate government entity. The Park Board staff can be reached at (612) 230-6400.
The elected Park Board is comprised of a board of 6 district and 3 at-large commissioners. Ward 11 is split between two park districts. You can find your commissioner by clicking here: Minneapolis Park Commissioners
Minneapolis Police Department is located at 350 South 5th Street, Room 130, Minneapolis, MN 55415-1389 and can be contacted at through email at [email protected]. This email is not monitored 24 hours a day so if you need a police officer, call 911.
Other police numbers can be found in the City Services Directory.
Property Taxes –
"Why Are My Property Taxes Rising?"
For more information on why your property taxes are rising and where they are going visit the City Assessor's Office.
Recreational Fires –
"What are the rules about having an outdoor fire on my property?"
The rules for recreational fires were recently updated to meet the international fire code adopted several years ago by the City of Minneapolis.
It remains legal to have a recreational fire to burn material for pleasure, religious, ceremonial, cooking, warming or similar purposes. This also includes portable freestanding fire places and chimneys. These fires must be kept smaller than 3 feet in diameter and 2 feet in height. In addition, fires must be at least 25 feet from a structure and have surrounding fire barrier of non-combustible material at least six inches high.
Other conditions for having a recreational fire apply. Only unpainted wood (not been treated with chemicals or preservatives), coal or charcoal can be burned. Burning of rubbish is prohibited. Buckets, shovels, garden hoses or a fire extinguisher with a minimum 4-A rating must be readily available for use at recreational fires. Also, every recreational fire has to be attended by a competent person 18 years of age or older and completely extinguished before leaving the scene. Fires can only be conducted between the hours of 9:00 a.m. and 10:00 p.m. and when wind conditions do not exceed 10 mph. The Minneapolis Fire Chief, Chief of Police, Fire Prevention Bureau, Fire fighters, or officer of the police department can enforce these provisions through appropriate administrative and legal remedies, including issuance of a citation.
If you are concerned that a neighbor is violating the standards for a recreational fire, please contact 911.
Read more about the Recreational Fire Ordinance (pdf).
Rental Licensing –
"Whom do I call with a question or concern about a rental property?"
The City of Minneapolis requires that all rental property in the City be licensed. Under certain conditions the City can revoke a rental license, effectively shutting down the property. The most common reason for revocation of a rental license is disorderly use of rental property or Conduct on Premises. The types of activity that trigger a rental license revocation include: gambling, prostitution, drug dealing, noisy assemblies, and unlawful possession, sale or use of a weapon. Your SAFE Crime Prevention Specialist is responsible for working with the City Attorney's Office and Housing Inspections to begin the revocation procedure. Licenses may be revoked include extreme housing code violations. To find out if a property has a current rental license (which it must in order to operate) call 311.
Schools –
"I have questions about the public schools. Whom do I call?"
The Minneapolis Public Schools are under the independent jurisdiction of the Minneapolis School Board. You can call the Public Schools at (612) 668-0000 (TTY 668-0001) or visit them online. The website has a variety of resources to help you learn more about the public schools, including information about the School Board, Superintendent, and each school in the City.
Sidewalks and Snow Shoveling –
"People are walking in the street, because some of the homeowners in my neighborhood haven't shoveled their sidewalks. What can be done about it?"
Property owners in Minneapolis are required by City ordinance to remove snow and ice from the public sidewalks adjacent to their properties.
Business/commercial property owners have to clear their sidewalks and/or put down salt or sand within four hours after snow or freezing rain has stopped falling. Residential owners have 24 hours to shovel snow and/or mitigate ice.
If you have concerns about a sidewalk near you, please call 311 to report the location. They will send out an inspector who will work to resolve the situation. Also, contact the sidewalk department if you have any questions about damaged sidewalks.
Snow Emergencies –
"How do I know where to park during Snow Emergencies?"
The City's Public Works and Communications departments communicate to residents in a variety of ways when a Snow Emergency has been declared:
- 348-SNOW hotline. The recorded message is updated frequently and includes parking information car owners need.
- City Website - www.minneapolismn.gov. The website has a number of resources about snow emergencies:
1. Parking Status Icon. On the homepage, throughout the winter, residents will find an icon on the left side of the City homepage which notifies residents about the current status - snow emergency or normal parking. If winter parking restrictions are put into effect - in the event heavy snow fall raises concerns about the ability of emergency vehicles to access residential streets - that will also be posted on the home page.
2. Minneapolis Snow Season Parking Information page. This page on the City website has any information you may want about Minneapolis' snow season including snow emergency regulations, parking status, Snoases, and tips about shoveling and plowing.
3. Email, Text Message, and Facebook Notification Sign-Up. Sign up here if you would like to receive an email, text message, and/or Facebook message whenever a snow emergency is declared. This page can also be accessed from the Minneapolis Snow Season Parking Information page.
4. "I just heard on the radio that parking around the city has been limited to one side of the street until April. Why?"
Certain years, the snowfall is so heavy and frequent that, even with regular plowing, the piles of snow begin to encroach into parking lanes, and parked cars in turn begin to encroach into driving lanes. When the streets get too narrow as a result of this encroachment, it can be impossible or difficult for emergency vehicles - fire trucks and ambulances - to get down the streets.
As a result, to ensure public safety, the City declares winter parking restrictions. On non-snow emergency routes, parking on the street is restricted to one side. The side where parking is banned changes from year to year and will be announced when the restrictions are declared.
Winter Parking Restrictions are announced through the local radio and television stations. Also, an icon announcing the restrictions will be placed on the left side of the City home page.
- Television and Radio - when a snow emergency is declared, Twin Cities radio and television stations are notified and announce the declaration.
- Snow Emergency Information Brochure - In November, the City will mail all homes in the city a copy of this year's snow emergency regulations.
Please remember, when clearing your sidewalks, yard paths or driveway, don't shovel or blow snow into streets or alleys. In addition to making driving in the road or alley more difficult for your neighbors, it is a violation of City ordinances.
Street Cleaning –
"When will my street be swept?"
Street cleaning occurs throughout the non-snow season. However, residents need to be especially aware of the two major operations in the spring and fall.
Public Works conducts a comprehensive, citywide sweep of all streets and alleys each spring, from early April through mid-May, in order to pick up the winter sand and other debris that collects over the winter. There is another comprehensive sweep and leaf collection of all streets (but not alleys) in the fall. This occurs from mid-October to mid-November (unless interrupted by significant snowfalls).
In order to provide the desired curb-to-curb cleaning for these operations, temporary signs to restrict parking are posted a day in advance, and parking restrictions are aggressively enforced with tagging and towing. During the rest of the season, Public Works is actively sweeping streets on a rotational basis, with special and added emphasis in the Chain-of-Lakes watershed areas. Residents are not required to move their vehicles for these operations, except on the rare occasions where they require more complete sweeping. In that case, temporary parking restriction signs would be posted.
There is some schedule rotation that occurs for the comprehensive spring and fall sweeps so that the same areas are not always first or last. For instance, if a particular neighborhood could not be swept in the fall because of early snow; all attempts would be made to put these streets first for the spring sweep. Many factors come into play when scheduling so it is difficult to predict very far in advance when a particular street will be swept. In general, people should be aware of the existence of, and watch for posted signs for the two major sweep events during the spring and fall.
If you have a particular need to know when your street may be cleaned use the Street Sweeping Schedule Lookup is also a good resource for questions about street repairs and snow plowing.
Please note that it is a violation of City ordinances to rake leaves into the street. Leaves raked into the street will create significant public safety, flooding, and pollution problems. The proper disposal method is to bag all your leaves, including from the boulevard, and put them out with your solid waste collection. The schedule for yard waste pick-up can be obtained from 311 or by visiting the citys yard waste webpage.
Street Lights –
"There's a burned out street light on my block. What can I do about it?"
There are over 35,000 street lights in the City of Minneapolis, and Public Works needs your help to replace the burned out lights. If you have a light out on your block, please call 311.
Stormwater Utility Fee –
"What is the Stormwater Utility Fee on my utility bill?"
Learn more about the Stormwater Utility Fee and the credit program.
Traffic Calming –
" Speeding keeps increasing on my block. How do we get speed bumps and more stop signs?"
Requests for traffic calming devices are among the most frequent requests by my office. When received, we refer the request to the Transportation division of Public Works. They study the situation and report if changes to the current engineering are or are not recommended.
Their recommendations are based on well-established standards that measure traffic volume, speed, and accidents, as well as pedestrian volume. In many situations, no changes are recommended. In other situations, the solution may require neighborhood funding. Speed bumps, for example, are eligible for many streets, but the City does not pay for them. If a block wants to install speed humps they are responsible for securing funding, which runs about $4500 for a pair.
Stop sign installation, in addition to the standards used, is based on a city ordinance -- the Minneapolis Stop Sign Policy. Under this policy, there is a plan for the entire City and the ordinance does not allow for exceptions.
Trucks –
"I frequently hear loud trucks coming near my home. I thought trucks were supposed to stay on large roads. What are the rules for trucks and what can I do if I see a truck on the wrong road?"
There are two types of designated truck routes that regulate where trucks of different sizes may travel.
10 Ton
Trucks over 10 tons (20,000 lbs. per axle)
3 to 9 Ton
Trucks between 3 and 9 tons (6,000 to 18,000 lbs. per axle)
Note: To determine whether a truck meets the standards for the above truck routes, you must compare gross weight in pounds marked on the truck to the above numbers. Some trucks may cite their gross weight versus axle weight. Dividing the gross weight by the number of axles determines the per axle weight for truck routes.
Trucks over 3 tons must use the appropriate truck routes for as much of their travel as practical. They may divert to other streets for the last few blocks to reach their final destination. A diversion onto non-truck route streets is determined by the driver based on turning restrictions, on-street parking, and the approach direction to the destination. Trucks under 3 tons (UPS two-axle delivery truck, for example) may use any city street.
Many of the trucking companies use smaller, short haul trucks to make deliveries in the city, because large semi trucks often have trouble making turns on city streets. However, some semis do continue to deliver in the city.
If you believe a large truck is traveling on the wrong road, please call 311. If you can identify and provide the trucking company, license plate, and/or its destination it can help Minneapolis Traffic Control resolve the situation.
Also, businesses are not allowed to receive overnight deliveries in any residentially zoned and used area unless they are doing such within an insulated building. Therefore, you should not hear trucks idling and making deliveries between the hours of 10:00pm and 6:00am. Loud, late-night deliveries in your neighborhood should be reported to 311.
Variances –
"The contractor building my new garage says I need a variance before I can build. What is it and how do I get it?"
A variance is an authorization to depart from the general requirements of the City's zoning regulations. For example, zoning regulations govern how large a garage you may build and where on your property it may be located. Variances to these and other types of zoning regulations may be granted where strict adherence would cause undue hardship due to circumstances unique to the property.
Receiving a variance involves completing an application, satisfying applicable legal requirements, and holding a public hearing. For complete information and application procedures, please contact 311.
Last updated Jul 8, 2020


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For most of the last 30 years, bond investors have been spoiled. While some of those relying on collateralized mortgage obligations and other bad real estate loans originating in the 2000s certainly got clobbered, for the most part, bond investors have benefited from a massive, long-term decline in interest rates since 1980. The mirror image of falling rates, of course, is an increase in bond prices. Throw in a marked decline in inflation – a cancer to long-term lenders of all stripes – and real returns to bondholders have been strong for a generation.
Well, all good things must come to an end, and it looks like that's the case now for bondholders. Interest rates have been picking up across the board, pushing bond prices down. The Barclays U.S. Aggregate Bond Index is down 2.68 percent year-to-date, as of the market close on August 15, 2013. The Global Aggregate index is down 3.67 percent. Bond investors are quickly getting reacquainted with the concept of risk.
What Does This Mean for Income Investors?
If you need income from a portfolio, you have got to get it from somewhere. So what should the income-oriented investor keep in mind as we enter a potentially long headwind of rising interest rates?
Well, the short answer would be to choke up on the bat. Pull in your average maturities or durations in your portfolio to shorter periods. This way, small interest rate increases should produce more modest losses.
But Bill Gross, the manager of the PIMCO Total Return Fund, the largest bond mutual fund in the world, thinks that's not the optimal strategy. Indeed, he compares it to the British using outdated tactics at the Battle of the Somme, and getting mowed down by modern German machine gun fire.
"I write to alert you to evolving thinking that might win this new war without causing you – the investor – to desert an historical and futurely valid asset class that we believe can still provide reliable income and hopefully steady returns even in the face of higher interest rates," Gross writes.
Bill Gross' Strategy
What's Gross' thinking? In a nutshell, Gross is trying to make the case for bond investing by thinking beyond pure semi-annual interest payments, and into other factors that can fuel total return, over and above periodic interest payments. To unlock these factors, Gross tips his hand: Rather than rely entirely on a rush to safety and the short end of the yield curve, Gross hints at forays into assets denominated in other currencies, for example. As the dollar loses value against other currencies, much of the risk of a risking interest rate in the US can by diversified away.
We see this already in Europe and Asia: Despite the fall in both the US and Global aggregate bond indexes since the beginning of the year, both the Barclays Asian Pacific Aggregate Index and the Barclays Euro Aggregate index are up year to date, by 1.62 percent and 0.86 percent, respectively.
Gross also writes that the skilled bond investor can also generate alpha, or excess risk-adjusted return, by exploiting things like the volatility premium, mispriced credit risk, and taking advantage of underprice points in the yield curve – emphasizing a "bullet" strategy of focused investment on an underpriced duration point rather than a barbell or diversified strategy.
Gross is, of course, advocating a 'risk on' strategy to navigate the rising rate environment – he's just adding risk from different directions to make up for pulling in on the yield curve, much like a boat captain might navigate a strong head current by revving up his engines or adding more sail and tacking back and forth as he sails into the wind.
Strategies for Retail Investors
But you're not Bill Gross. So short of investing in Gross' funds – about which we have no opinion, one way or another – where else can you turn to generate income? Here are some promising ideas:
Real estate. A long-term, proven income generator over time, real estate has the additional advantage of leverage. There are still bargains to be had out there, too, though a year long broad recovery in house prices, plus the infusion of billions from hedge funds into the rental property market has made bargains somewhat harder to find than they were a year or two ago.
REITs and REIT Funds. These investment vehicles invest in real estate, but are taxed to incentivize them to pass on income to the investor in the form of dividends. You can buy REIT funds, or buy individual REITs that concentrate in specific industries like large residential developments, apartments, condos, malls, hotels, specific regions and states, and divide the risk any way you can imagine. You can dial risk up or down, generally, by investing in more or less diversified REITs or combining them. You can even buy untraded REITs to boost yield on your investment, but this is for experienced hands only.
Lifetime Income Annuities. These are insurance products that convert a lump sum to a guaranteed lifetime income. However, depending on your age, the actual yield you get each month or each year can get a significant boost over and above market rates because of a phenomenon known as mortality credits. The older you are when you buy an LIA, the greater the effect. This is most beneficial for those in good health.
Medically-Underwritten Annuities. Are you in poor health? Still need income? The medically underwritten annuity is a little-understood product designed to serve this market. While conventional LIAs benefit the healthy, these annuities provide a payout based on the mortality rates of people who share your less-than perfect medical condition and overall health. This is one way to boost income on a lump sum.
Utility Stocks. Long favored by your grandparents, utility stocks are still generating income based on subscriptions or power usage. A number of them have a long history of generating reasonable dividend income. In some cases, we're seeing cell phone companies and broadband companies take on utility-like characteristics, at least as far as investors are concerned.
Municipal Bonds. Yes, some municipal bonds will have difficulties, and there will be more municipal bankruptcies. But the vast majority of them will pay income and principal as scheduled. For those in higher tax brackets, the fact that these bonds are generally tax-free (with the exception of private activity bonds for those subject to the alternative income tax) provides a nice little yield-boost – with no corresponding increase in risk, in many cases.
Covered Calls. When you sell a 'call' option, you are selling other investors the right to buy a stock from you – at a higher price than it's at now, usually. The call is "covered" if you actually own the stock. That means there's no risk you'll have to go out and buy it yourself to sell it to them when it comes time to deliver. Other investors are willing to pay for the right to buy a stock at a certain price. Your portfolio can potentially generate a few points of income this way. Often the option will expire, and you just keep the money. Sometimes you'll have to sell the stock. No problem – take that money and put it in some other bargain!
Related Links
- Your Financial Advisor is Terrible
- How to Trade Stocks for Free
- Behavioral Finance and Impact Investing


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cairnswk wrote:Jippd wrote:I have not played this map yet but I have to agree with chap on the station issue. According to the rules "stations assault adjacent stations along their lines"....
and yes, there is no "light gray slate" line that runs from MHD to DSH.
If i wanted to be able to attack from MHD to DSH via B line, i would have placed two coloured lines like there is going into PSD or AST, so from the instructions MHD B cannot attack DSH B.
And yes, those rail lines are different colours, one is brown and the other light gray slate.
Right but nowhere in the instructions does it say anything about colors being involved in any way and only being allowed to attack from one station to another as long as they are adjacent AND have the same color start and destination and rail line in between. Does that make sense?


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From 21 October 2010 to 19 November 2010
The latest production realized in the frame of the platform RE:akt!
Video written and directed by IOCOSE
Produced by: Aksioma – Institute for Contemporary Art, Ljubljana, 2010
Rotovž Exhibition Salon
Maribor, Slovenia
See In the long run
From 21 October 2010 to 19 November 2010
Group exhibition
Exhibition opening: 21 October 2010 at 7 pm
Curated by: Domenico Quaranta
Featured artists: Lucas Bambozzi, Vaginal Davis, IOCOSE, Quentin Drouet, Janez Janša, Janez Janša, Janez Janša, Irwin, Eva and Franco Mattes (aka 0100101110101101.ORG), OHO group, SilentCell Network (Mare Bulc, Janez Janša, Bojana Kunst, Igor Štromajer).
Produced by Aksioma - Institute for Contempororay Art, Ljubljana in collaboration with the Maribor Art Gallery
Rotovž Exhibition Salon
Trg Leona Štuklja 2, Maribor, Slovenia
See Re-akt!
Wednesday 6 October 2010
Performing Idea Symposium / Living Archives
in the frame of the research project Performance Matters
Toynbee Studios
London, UK
See NAME - Readymade
From 24 September 2010 to 24 October 2010
The Dr. Franc Sušnik Central Carinthian
Library Ravne na Koroškem
See Signature


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Celebrity chef Art Smith serves up kitchen design tips, we get a personal tour of a $3.5 million Italian-style estate with beautiful lake views and Los Angeles-based designer Joshua Cain invites us into El Cabrillo, his Spanish Colonial house in the Hollywood Hills that was supposedly built by legendary filmmaker Cecil B. DeMille. Plus, we test the waters of a Disney-inspired indoor swimming pool (video above) at a kid-friendly property and George Oliphant rescues a closet to help CJ, a soon-to-be-wedded homeowner.
Copyright LXTVN - LXTV


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Dear Visitors, not required to fill all fields you can fill as your need and in each condition you'll get result. View Search Process
AIDS - Symptoms
We all want to be free from HIV and its infection. In past years, there has been an alarming increase of people suffering from AIDS... read more
Various Symptoms of Cancer
Today cancer is spreading at a rapid speed and it's not limited to men but it is also very common in women also. The earlier a cancer is... read more
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Today different cancer treatments and medicines are available and advised by doctors on different things to keep in mind. A treatment... read more


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Poll about "piracy", please vote and spread the word
OK, I'm asking and pointing out for years about the fact that so-called "scientific studies" "proving" that "piracy" ("unauthorized" download of copyrighted material) is bad (like this latest about how many VAT countries are arguably loosing thanks to "piracy") always have the same (and biased) flaw: they assume - obviously wrongly - that each downloaded without authorization piece of copyrighted bits (whatever they are: movies, music, books, software,...) would be a sale if the person didn't have the chance to download it. In other words: these studies assume that you would buy every crappy movie or album you download from the pirate bay if, well, the pirate bay wasn't there. Which I wholeheartedly believe is utter crap.
So, since nobody does nothing about this (yes, I'm criticizing the journalists out there), I decided to do something myself. I know this is not scientific, but I spread the challenge: get me a scientific study about this and I'll use your data. Until then, well, this is what I've got. I wish I had at least 100 votes to give some meaning to the results, so, please spread the word about this poll. Thank you.
PS -> The poll is on the right sidebar of this blog. If you're reading this via RSS, please go to http://mindboosternoori.blogspot.com. There's also a direct link to the poll.
Thank you.
[UPDATE] seems that the good folks from Google decided they didn't like the poll, so they took it down. Last time I've checked, more than 40 votes where in it, and 0 of them were in the "I would pay for everything I download if I couldn't download it" option. A new blog post about this will come soon.
[UPDATE 2] A new blog post about this, and with a new poll, not hosted by Google, is here.


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John has undertaken a series comparing Benghazigate to Watergate. Benghazigate is still unraveling, so the comparison presents certain difficulties, but we are still in the dark concerning some of the most basic facts regarding the Watergate scandal as well.
Nixon spokesman Ron Ziegler characterized Watergate as a "third-rate burglary." The Democrats, by contrast, characterized Watergate as something vastly greater than the crime on the surface. According to Senator Ervin, this was Watergate: "To destroy, insofar as the presidential election of 1972 was concerned, the integrity of the process by which the President of the United States is nominated and elected."
Democrats held Watergate to be an assault on the American political system. The target of the operation, after all, was the Democratic National Committee. The treasure sought by the burglars, whatever it was, wasn't filthy lucre.
But what was Watergate? We don't know who ordered the bungled second break-in of the Democratic National Committee on June 17, 1972. We don't know the motive for the break-in. We don't know what the burglars looking for. We do know that as early as June 20, 1972, President Nixon took charge of efforts to cover up his campaign's link to the break-in and and sought to manipulate the resources of the executive branch to engineer a coverup.
Forty years later Carl Bernstein and Bob Woodward looked back. In their retrospective last year they purported to provide the perspective of time and the accumulation of knowledge to the judgment that Nixon was far worse than we thought.
I'm pretty sure they always thought he was as bad as they portrayed him. Did they really need forty years to render their verdict? Anthony Lukas arrived at the same verdict on much the same evidence in Nightmare: The Underside of the Nixon Years in 1976, as did Stanley Kutler in The Wars of Watergate in 1990.
You have to slog through nearly to the end of the 2012 Woodstein remix to find this:
Even now, there are old Nixon hands and defenders who dismiss the importance of Watergate or claim that key questions remain unanswered. This year, Thomas Mallon, director of the creative writing program at George Washington University, published a novel called "Watergate," a sometimes witty and entirely fictional story featuring many of the real players. Frank Gannon, a former Nixon White House aide who now works for the Nixon Foundation, reviewed the book for the Wall Street Journal.
"What emerges from 'Watergate' is an acute sense of how much we still don't know about the events of June 17, 1972," Gannon wrote. "Who ordered the break-in? . . . What was its real purpose? Was it purposely botched? How much was the CIA involved? . . . And how did a politician as tough and canny as Richard Nixon allow himself to be brought down by a 'third rate burglary?'
"Your guess is as good as mine."
Of course, Gannon is correct in noting that there are some unanswered questions — but not the big ones. By focusing on the supposed paucity of details concerning the burglary of June 17, 1972, he would divert us from the larger story.
Thanks for clearing that up, guys.


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Here it is when we bought the house last year:
And now onto the not-so-pretty (but oh-so-wonderful) dark secret of our bedroom. WE HAVE A TV IN OUR BEDROOM. (gasp!!) I got it for Dave for his birthday this past May and since we don't have cable, it only works to watch movies from the dvd player or online. We installed it behind the door when you first walk in. Most people don't even notice it when they're getting a tour until we point it out, but when we close the door at night, it's prefect for watching movies in bed. I know all about all of the "no TVs in the bedroom" rules and the supposed effects on people's love lives & all of that, but we love it. I love snuggling up in bed and watching a good movie... especially when I'm sick.
*Paint is FreshAire Choice's "Beach Pearl" (the no VOC brand @ Home Depot)
*Seagrass is available through Lauren Liess Interiors and was installed by the Tolvin Carpet Customizer (he's the best!!)
*Brass apothecary lamp- Robert Abbey
*Bedding-a mix of custom, Target & West Elm
*Nightstand dressers & Curtains- Ikea
*Roman Shades- Sears
*All else is vintage/ antique
If you want to know more about seagrass check out this post
If you'd like help creating a home you absolutely love, contact me about our design services.


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In any case, if you need a part that you can't find here, contact us! It's likely that the part IS AVAILABLE from Bob's BMW. Most of the time these are the correct, genuine BMW parts that we regularly keep in stock. When original parts are no longer available, as can happen with older models, Bob's has top quality replacements and reproductions in stock. And if the part you need isn't currently in stock, we have many reliable sources in Europe, the US, and around the globe that we can tap to fill your request.
It's what we do! Since 1981 Bob's has been making it easy for you to get your parts – the right parts – every time.
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When you slip into a pair of sexy gloves or sexy arm warmers with your lingerie or adult costume, you're guaranteed to make your partner burn up with desire. Choose from dainty girly gloves, sexy lacy gloves, or leather and stud gloves. These are versatile gloves that you can mix and match with all your favorite sexy adult costumes and lingerie!
The big night is coming soon! You have it all planned out - you even have the perfect outfit. You've purchased it, it looks great, and it brings out your sex appeal in all the right places. But as you look it over, you realize something's missing. Did you forget to accessorize with a hot pair of fingerless or lace gloves? That's it! You need a sexy pair of arm warmers or the hottest gloves anywere on the Internet.
That's when you come here and you browse our amazing selection of gloves and arm warmers. We have everything to accessorize the outfit you just bought on our other pages, including our clothes, costumes, shoes and games pages. Find some amazing selections, from Mini Lace Up Gloves, to Lace Wrist Gloves, to Sequin Arm Warmers. We even have something fun for the two of you, with the Red Passion Three Piece Set. Feeling a little like the bad girl? Buy a pair of the amazing Metallic Long Gloves or the Bat Gloves.
These gloves and arm warmers will pair up with a wide selection of our sensual, sexy costumes found anywhere on our site. You'll want to order a full outfit, gloves included, to finish your natural sex appeal. Watch him go crazy as you peel off each item of clothing, including a glove off each sexy hand. Use the gloves to tease, please, and complete a fun night of the hottest fun you'll ever have.


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Chiropractic to Relieve Herniated Disc Pain in Windmill Village Mobile Home Park
There is some (albeit not compelling) evidence to suggest that chiropractic spinal manipulation in Florida might be effective for treating non-specific back pain. Pain results when irritating substances are released from this tear and also if the fragment touches or compresses a nearby nerve. Athletes and people who have jobs that are very physical are often prone to bulging discs and other disc problems. It's bad enough that it's affecting your work and family life, but now you wonder if you'll ever get your life back – or if you'll have to just deal with the pain forever. If you haven't tried Chiropractic For Herniated Disc before, rest assured, there is evidence that shows that chiropractic techniques such as spinal manipulation (also called spinal adjustment) and other forms of manual and mechanical therapy are safe and may be effective for relieving your pain and other symptoms.
Benefits of Chiropractic For Herniated Disc in Windmill Village Mobile Home Park
The problem with a herniated or bulging disc is that it can be a very difficult condition to treat and can lead to debilitating pain for the patient. Chiropractic has been proven to be an effective treatment for bulging discs and the pain they can cause. The specific lumbar spinal manipulation was dependent upon whether the disc herniation was intraforaminal or paramedian as seen on the magnetic resonance images and was performed by a chiropractor in Lee County. Disc herniation has some similarities to degenerative disc disease and discs that herniate are often in an early stage of degeneration. Bulging discs are often thought to be the same as herniated discs but that is incorrect. The proportion of patients reporting "improvement" on the patient's global impression of change scale was calculated for all patients and for acute vs chronic patients. A herniation is a displaced fragment of the center part or nucleus of the disc that is pushed through a tear in the outer layer or annulus of the disc.
Can a herniated disc heal on its own?
Chiropractic care has been proven to be an effective treatment for bulging disc and the associated pain. You develop a bulging disc when your disc begins to protrude outside of the space it should normally occupy. At your first appointment, your chiropractor in Lee County 33903 will take a complete medical history and perform a thorough exam to determine the nature of your symptoms and their possible causes—including a herniated disc. This can lead to the misalignment of the spinal column or the spinal cord itself being pinched. When a disc is herniated, there is actually a crack in the outer layer that allows the softer inner core to leak out. The researchers concluded that a large percentage of acute and importantly chronic lumbar disc herniation patients treated with chiropractic spinal manipulation reported clinically relevant improvement.
Is a herniated disc serious?
In severe cases of lumbar disc herniation, you may experience changes in your bowel or bladder function and may have difficulty with sexual function.
- Tingling, numbness, or muscle weakness in one or both legs
- Hyper reflexivity in one or both legs
- Deep pain over the shoulder blade or in the shoulder area
- Radiating pain in the fingers, forearm, and upper arm
- Changes in bowel or bladder function
- Paralysis below the waist
- Pain when moving the neck
How long does it take to recover from a herniated disc with Chiropractic Treatment in Windmill Village Mobile Home Park, Florida?
You develop a bulging disc when your disc begins to protrude outside of the space it should normally occupy. For other people, a herniated disc can cause back pain with or without referred pain (pain that's felt in other parts of the body such as the legs). Repeated minor injuries that never heal correctly, continually weaken the musculature of the spinal joints, and leads to perpetual edema. Bulging discs often get confused with herniated discs when they're actually not the same thing at all. In this context, it is relevant to mention that a recent review of the evidence in Florida concluded that a cause-effect relationship exists between the manipulative treatment and the development of disc herniation. Lifestyle choices such as smoking, lack of regular exercise, and inadequate nutrition contribute to poor disc health.
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Chiropractic Care is a preferred treatment method for many patients in Windmill Village Mobile Home Park with bulging disc because it is non-invasive and does not involve drugs or injections. The vertebra in your spine are stacked on top of one another, protecting your spinal cord. Additionally, a herniated disc can irritate a spinal nerve, causing symptoms in your legs. A slipped disc, or herniated disc is a very painful condition, it can lead to a pinched spinal cord or nerve root.
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