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Dubrovnik Apartments & Rooms
Facilities Map Streetview Reviews
Rudimira Rotera 6 (old street name: Od Graca 6)
Note: It is the responsibility of the hotel chain and/or the individual property to ensure the accuracy of the photos displayed. Travellerspoint is not responsible for any inaccuracies in the photos.
When we started with our rooms and apartments 1974 we just wanted to have a place where all of our guests will have: security, cleanliness, warm welcome and a helpful staff.
The guesthouse is situated in the peaceful area surrounded with huge garden so that you have a feeling that you are in a village instead of city center!
Apartment & rooms are open all year-round - all of them with A/C or ventilator, refrigerator (we have 2 single rooms, 3 double rooms and 1 apartment. Aparment is for 4 person and it has 2 double rooms with private teracce, kitchen and big bathroom, air conditioning and TV, WI-FI)
We offer a specious terrace where guests can enjoy.
* heating during the winter and air fan during the
* towels and bed linen
* hot showers
* luggage storage
* All taxes included in the price
* The price includes all utility costs (water/electricity), bed linen, towels and final clean-up.
Also available :
* Hair-dryers in the rooms are available at the reception
* Laundry (costs 15 Euros)
We recommend powerboat for the trips to Dubrovnik island Lopud, Kolocep, Sipan, Mljet and the beautiful trip from sea around the Dubrovnik city walls
Superb service and warm hospitality tailored to you and your comfort are just two more out of innumerable reasons for hearty meeting with us.
Please note that payment on arrival is in cash.We do not accept Credit Card payments.
It will be a great pleasure to welcome you in Dubrovnik.
This is a Trusted Review. Why?
Loved the accommodation...Simple, but cosy and perfect location!
This is a Trusted Review. Why?
The single room was very small, no air con, a fan only, your living ontop of the owners, had kids there for 3 days when i was there, loud, felt the old man was watching every move i made, didnt really speak english.
This is a Trusted Review. Why?
Very good location, close to everything, the old town and the best beach. The own and his daughter are very friendly to help. For the price is nice, because in dubrovnik everything is expensive.
The only bad thing is it lacks a kitchen or space to make something to eat, which is very uncomfortable because always you have to go out to eat, and this is expensive.
Have you stayed here? Write a review
Note: It is the responsibility of the hotel chain and/or the individual property to ensure the accuracy of the photos displayed. Travellerspoint is not responsible for any inaccuracies in the photos.
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Do you have questions about Dubrovnik? You might try asking in our active travel forums and see if anyone else has been there.
Read up on what to see and do in Dubrovnik in the Travellerspoint guide, written by travellers for travellers.


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Does white level equate to 2a or 3c?(16 Posts)
caffeinated Sat 23-Mar-13 17:19:40
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subset: commoncrawl


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Home remedies for itching could turn out to be very useful indeed because when something's not quite right with your skin it first starts to itch and the immediate relief that comes to your mind is to scratch it which only makes matters worse. Fact of the matter is that the more you scratch it, the more prone you become to various infections which is actually the first thing to avoid.
Let's start our list of home remedies for itching by defining this skin condition and find out what it really is. Itchy skin is medical term also known as "pruritus" and it's caused by stimuli that bug out your skin. There are number of different reasons for having an itchy skin such as sunburns, allergic reactions, medications, soaps, stings, chemical reactions, dry weather, and last but not least aging. But the good news is that there are certain things we can do at home to get a quick and effective relief instead of scratching the area like a crazy dog.
What you should know about natural remedies in general is that vinegar and baking soda are one of nature's most powerful healing products. Baking soda can do a lot of miracles for the human body including its ability to act as one of the home remedies for itching. As you can probably guess, in this case baking soda should be used in a bath. The procedure is really simple - just add a cup of baking soda to your usual hot tub. Get in it and just soak up and relax for 30-40 minutes. An alternative is to make a paste out of the baking soda and cover the itchy spots with it. To make this paste, mix three parts of baking soda in a regular cup of warm water.
As mentioned already, vinegar can be extremely effective as one of the home remedies for itching, because it has the ability to kill germs. It features a host of healthful enzymes plus it's an acidic so it helps restore the skin's normal acidity. By normalizing the pH levels in your skin, the itchy condition is seriously improved. What we are referring to here is apple cider vinegar and the procedure involved adding it to a warm bath, or directly sprays it on the affected area of your skin.
Another mixture that you can form up is out of coconut oil and lemon juice. Cover the affected area with it and just leave it to dry out. This mixture works as one of the most powerful home remedies for itching because the lemon has natural antiseptic properties. These antiseptic qualities convert the acidic condition into an alkaline which immediately relieves the itching. Coconut oil contains caprylic acid which is really effective for itching. Furthermore, coconut oil helps treat this condition even further by enabling the skin to form a protective layer that inhibits microbes. Aloe Vera is another useful plant with healing qualities so what you need to do is slice it down and rub the gel on the itch for a quick relief.
Diet for Healthy Glowing Skin, Skin Care Diet
Home Remedies for Oily Skin Care
Home Remedies for Dry Skin Care
Home Remedies for Normal Skin Care
Copyright © NaturalHealth-Supplements.com All Rights Reserved.
Disclaimer: The statements regarding these products have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure or prevent any disease. The information on this website is only for education purpose. It is not intended to be substitute for informed medical advice or care.


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My favourite day? Korean bazaar Saturday at the local Korean church! Here is why… street food! It is also a great opportunity to practice my Korean. It always impresses them when I can barter in Korean.
The Korean ladies from the church work hard and cook up a storm, like this yummy spicy pork pancake!
We scored the very last bag of homemade kimchi from the fabulous Kimchi-Ajumma!
I figure the lady that makes the best kimchi in the church is the one who is asked to make it for the sale so it is going to be delicious!
The kids devoured their tornado potato! Interesting fact: did you know these were invented in Korea? No, really, they were! 🙂
They also had kimbap… but it was gone before I could get my camera out!
My yobo enjoys the garage sale portion of the bazaar. This is where we got our Korean bible verse last year. Unfortunately for my yobo, he hardly got to buy anything, I spent all our money on Korean food. Next year…
Do you love Korean street food? I'll give you a heads up next year when the bazaar is happening and you can join us there!


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Binh Dinh Minerals
- Market Cap As of July 2013
- $31 Million
- Industry
- Materials
- Founded
- 1985
- Country
- Sales
Binh Dinh Minerals on Forbes Lists
Binh Dinh Minerals Company is a Vietnam-based company engaged in the mining industry. It operates mining sites of titanium ores and other mineral ores. The Company is also involved in the extraction, processing and trading of metal ores, as well as the provision of technical support to mining operations, such as testing and analysis services. Its products include ilmenite, zircon flour, rutile, monazite, magnetic, titanium slag and pig iron, which are also exported to foreign markets, such as China, Japan, Korea and Malaysia. In addition, it trades supplies, equipment and machinery for the mining industry. More »
More on Asia's 200 Best Under A Billion
- Market value of common plus debt, by operating income (earnings before interest, taxes, depreciation and amortization).
- Total debt by total shareholder equity.
- Net income by total shareholder equity.
- Sources: as of FactSet; Forbes.
- All figures are in U.S. dollars.
- Data as of July 17, 2017


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Long Keel GRP Sloop 24 foot long keel, 4 Berth in 2 cabins, centre cockpit, wheel & tiller steering, twin cylinder diesel auxiliary engine.
Great coastal pleasure yacht and ideally suited to single handed sailing, well looked after by current owner. Price recently reduced as owner keen to sell.
Tamar 24 Sloop -
Boat name: Tamar Swan
General comment:Long keel GRP Sloop, 4 berths in 2 cabins, centre cockpit, Wheel & Tiller Steering, twin cylinder diesel auxiliary engine
Manufacturer: Tamar Boat Enterprises Ltd., Plymouth
Model: Tamar 24 Sloop
Long-range Sailing Cruiser/Motor Sailer
Boat Year: 1975
Boat Length, Water Line, Draft, Beam:
24ft (7.32m), 20ft (6.10m), 3ft approx. Long Keel, 8ft (2.44m)
Displacement: 2.86 tons (2906 kilos)
Ballast: 1 ton iron casting (encapsulated into keel)
Engine Type & Size: Petter-Lister MiniTwin Diesel, 12 HP
Fuel Type & Qty: Diesel 30 gals (136 litres)
Boat Location: Hartlepool Marina
Tanks: Diesel 30 gals (136 litres), Water 30 gals (136 litres)
Sails: 254 sq ft approx. (23.6 sq m)
Foresail - furling genoa 150 sq ft
Mainsail - fully battened 104 sq ft
Rigging: Wheel or Tiller steering
Aluminium Mast & Spars
LED Masthead Light Cluster
Electrics: 12v system with two 110AH carbon fibre Elecsol Deep Cycle Batteries
Lucas alternator, Ryder Smart Combi split charge relay kit
Galley: Metal Sink with electric & foot pumps, Twin Burner Gas Cooker & Grill
Canopies/Covers: Mainsail cover
Service Information: Boatyard - winter 2014-5
Hull antifouling, deck paint, attention to portholes & windows, rubbing strake
Known faults: none
Maintenance History: 2014 - re-pack stern gland, manual bilge pump overhaul,
new suction hose to bilge pump, new diesel fuel line and filter
Hartlepool Marina
Slake Terrace
United Kingdom


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Trusted Insighthttp://thetrustedinsight.com/2018-02-14T14:40:18-05:00Trusted Insight, the world's largest platform for institutional investors with 40,000 LP investor professionals in 98 countries and territories around the globe. 30,000 institutional investors engage with Trusted Insight each week. They are actively investing in alternative assets, primarily private equity, hedge funds, real estate and private companies. Our users consist of pension funds, endowments, foundations, sovereign wealth funds, family offices, banks and insurance companies. 83% of Trusted Insight users continue to use the platform 6 months after initially signing up. Investors on the platform, on average manage in excess of $5 billion. We are a platform for qualified purchasers, not high net worth investors. Eyeing The 'Speed Of Tech Advances:' CIO David Erickson | Ascension Investment Management | Exclusive Q&A 2018-02-14T14:40:18-05:00https://www.thetrustedinsight.com/investment-news/ascension-eyeing-speed-tech-advances-cio-david-eri-20180214487/ David Erickson is chief investment officer at Ascension Investment Management, where he oversees the management of $37.8 billion in assets. In this interview, he discusses the changes that have taken place in the post-financial-crisis market, the impact of artificial intelligence on future investment management and the areas of the market that he finds most interesting. Bringing 'Wealth' To The Sultanate Of Oman | Abdulsalam Al-Murshidi, CEO At SGRF | Exclusive Q&A 2018-02-13T13:07:38-05:00https://www.thetrustedinsight.com/investment-news/bringing-wealth-sultanate-oman-abdulsalam-al-mursh-20180213372/ Abdulsalam Mohammed Al-Murshidi is the chief executive officer of the State General Reserve Fund (SGRF), the sovereign wealth fund of Oman. In this interview, he discusses the power of networking to access private market deals; why SGRF is gradually allocating more in emerging markets such as the Asia Pacific; and why the organization's moral duty is to bring a wealth of experience, technology and capital to Oman. Institutions To Receive A 'Big Boost From A.I.' | Mercy Health CIO, Anthony Waskiewicz | Exclusive Q&A 2018-02-08T15:22:54-05:00https://www.thetrustedinsight.com/investment-news/institutions-receive-big-boost-i-mercy-health-cio--20180208024/ Anthony Waskiewicz is chief investment officer at Mercy Health, where he manages the health system's short-term, endowment and pension plan assets totaling $2.7 billion. He has over 25 years of investment experience advising and managing assets for institutional investors. In this interview, Waskiewicz discusses the importance of assessing the risk factors in Mercy's portfolio; how institutional investors can reap the benefits of development in machine learning and artificial intelligence; and why Mercy is committing to smaller specialty funds. Why Bitcoin Is A 'High-Stakes Game Of Poker' | Anurag Pandit, CIO At ALSAC | Exclusive Q&A 2018-02-06T13:04:58-05:00https://www.thetrustedinsight.com/investment-news/why-bitcoin-high-stakes-game-poker-anurag-pandit-c-20180206652/ Anurag Pandit is chief investment officer of The American Lebanese Syrian Associated Charities (ALSAC), the fundraising and awareness organization for St. Jude Children's Research Hospital. In this interview, Pandit discusses how his approach to institutional investing has evolved throughout his career; his strategic advice to create a successful portfolio; and his outlook on cryptocurrencies and bitcoin as an asset class. 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The 'Practical Challenges' Of Co-Investments | Al Hemmingsen, Parkland Management CIO | Exclusive Q&A, Part 2 2018-01-22T12:57:07-05:00https://www.thetrustedinsight.com/investment-news/practical-challenges-co-investments-al-hemmingsen--20180122357/ Al Hemmingsen is chief investment officer at Parkland Management Company, a single-family investment office based in Cleveland, Ohio. In part two of this interview, Hemmingsen talks about the Parkland portfolio and the strategic approaches that he's looking to implement; the challenges associated with co-investments; and why the family office space is changing rapidly. 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Challenges (& Opportunities) Of European VC | Bpifrance Director | Exclusive Q&A 2017-12-27T11:40:47-05:00https://www.thetrustedinsight.com/investment-news/director-of-bpifrance-sheds-light-on-the-challenges-in-the-european-vc-market-20171227489/ Romain Serman is director of Bpifrance and former advisor of the French president Nicolas Sarkozy. In this interview, Serman discusses the evolving European venture capital environment and the main challenges French entrepreneurs face in the European ecosystem. Moreover, he highlights the main differences between the current investment behavior in Europe and the U.S., the roots to these differences and what the consequences are in respective markets. How New Zealand Super Fund 'Leverages' Its Natural Advantage | CEO Adrian Orr | Exclusive Q&A 2017-12-12T15:50:29-05:00https://www.thetrustedinsight.com/investment-news/how-nz-super-fund-leverages-its-natural-advantage--20171212251/ Adrian Orr is the chief executive officer of the New Zealand Superannuation Fund, which manages 37.2 billion New Zealand dollars. It reported a 20.7 percent return for fiscal 2017, making it one of the best-performing sovereign wealth funds on Earth. In this interview, Orr discusses the growth factors associated with the fund's impressive returns; what it's like investing through the lens of an economist; and how sovereign wealth funds leverage their natural advantages of long-term horizon, liquidity and operational independence. Larry Johnson Says Goodbye To Idaho Endowment | Exclusive Q&A 2017-12-06T17:40:35-05:00https://www.thetrustedinsight.com/investment-news/idaho-endowment-funds-foray-private-assets-larry-j-20171206871/ Larry Johnson has been manager of investments at Idaho Endowment Fund Investment Board since 2005, where he manages over $2 billion in assets. In this interview, Johnson discusses how his investment style differs from the herd, the key lessons he's learned during his three decade career, as well as what new investor should keep in mind when entering the market. Aligning Capital, Values At Capricorn | Exclusive Q&A With William Orum, Partner 2017-11-29T00:14:14-05:00https://www.thetrustedinsight.com/investment-news/aligning-capital-and-values-capricorn-exclusive-q--20171129129/ William Orum is partner at Capricorn Investment Group, where he leads marketable investment strategies and oversees asset allocation and risk management. In this interview Orum discusses how family offices are forcing change in terms of LP-GP alignment of interests, how Capricorn is marrying strong risk-adjusted returns with sustainable investing and the important factors in landing a family office job. Ex-Lawyer's Fortuitous Path To CIO | Craig Slaughter, West Virginia Investment Management Board | Exclusive Q&A 2017-11-21T14:58:18-05:00https://www.thetrustedinsight.com/investment-news/craig-slaughter-cio-at-west-virginia-investment-management-board-exclusive-qa-20171121620/ Craig Slaughter is the chief investment officer of the West Virginia Investment Management Board, the entity responsible for investing the state's defined benefit plans and Workers' Compensation Funds. He's been responsible for the state's investment portfolio since leaving the practice of law in 1989. 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Robin Diamonte Hopes Corporations Will Do The Right Thing | Exclusive Q&A: United Technologies Corporation's CIO 2017-11-01T17:51:12-04:00https://www.thetrustedinsight.com/investment-news/robin-diamonte-reserves-hope-that-corporations-will-do-the-right-thing-exclusive-qa-united-technologies-corporations-cio-20171101903/ For more than a decade, Robin Diamonte has led the United Technologies Corporation's $52 billion in global retirement assets. In this interview, she discusses why she reserves hope that UTC's lifetime income security scheme will spread to other institutions, the challenges of being a corporate CIO and reflects on her journey to the present. Inside Nevada PERS' Simple, Low-Cost Strategy | CIO Steve Edmundson | Exclusive Q&A 2017-10-25T16:51:32-04:00https://www.thetrustedinsight.com/investment-news/nevada-pers-simple-low-cost-strategy-cio-steve-edm-20171025346/ In this second interview, Steve Edmundson discussed NVPERS' simple and low-cost approach to investing; his strategy to offset losses in the event of a market downturn; and the importance of building an investment program that matches the fund's underlying culture. Oregon State Treasury's Ambitious Shift In Strategy | John Skjervem, CIO | Exclusive Q&A 2017-10-17T10:28:59-04:00https://www.thetrustedinsight.com/investment-news/oregon-state-treasurys-ambitious-shift-strategy-jo-20171017420/ John D. Skjervem leads an investment team at the Oregon State Treasury that manages a financial and real asset portfolio valued at $95.5 billion (as of June 30, 2017). 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The Intersection Of Family Wealth Management And Philanthropy | Exclusive Q&A With Susan Lee, Eli Broad Foundations 2017-09-19T10:58:41-04:00https://www.thetrustedinsight.com/investment-news/the-intersection-of-family-wealth-management-and-philanthropy-exclusive-qa-with-susan-lee-eli-broad-foundations-20170919225/ Susan Yun Lee is the managing director of investments at the Los Angeles-based Broad Foundations and Eli Broad's family office. She manages the foundations' $2 billion investment portfolio, as well as the Broad family assets. In this interview, the seasoned private equity investor discusses her outlook for private markets investing and how that translates into the Eli Broad Foundation portfolios and family assets. The Young Spirit Of Hong Kong's Wealthiest Family Office | 7 Qs With Chris Lai, Investor At Horizons Ventures 2017-09-07T12:08:30-04:00https://www.thetrustedinsight.com/investment-news/the-young-spirit-of-hong-kongs-wealthiest-family-office-7-qs-with-chris-lai-investor-at-horizons-ventures-20170907234/ Chris Lai is an investor at Horizons Ventures, a Hong Kong-based private investment firm backed by Hong Kong business tycoon Li Ka Shing. Lai manages the consumer and retail technologies portfolio for Horizons. A global investor, Lai has led more than 40 investment in the U.S., Canada, Israel, France and China. He sits on board of directors for many of his portfolio companies. Lai was recently named on Trusted Insight's 2017 Top 30 Family Office Rising Stars. LPs 'May Confuse Luck For Skill' In Manager Selection: Cargill Philanthropies' CIO | Exclusive Q&A Part II 2017-08-30T10:24:17-04:00https://www.thetrustedinsight.com/investment-news/cargill-philanthropies-cio-lps-may-confuse-luck-for-skill-in-manager-selection-exclusive-qa-with-shawn-wischmeier-part-ii-20170830607/
Shawn Wischmeier is the chief investment officer Margaret A. Cargill Philanthropies. In part one of his interview with Trusted Insight, he discussed how he radically changed the investment team at Cargill Philanthropies and built an investment portfolio from almost a clean slate. In part two of the interview, Wischmeier discusses the importance of strong governance and teamwork in accessing, identifying and executing private market strategies.
 The 'Last' Return-Seeking Corporate Pension In America | 5 Qs With Brian Pellegrino, CIO Of UPS Group Trust 2017-08-25T12:14:51-04:00https://www.thetrustedinsight.com/investment-news/the-last-return-seeking-corporate-pension-in-america-5-questions-with-brian-pellegrino-cio-of-ups-group-trust-20170825410/ Brian Pellegrino has served as the the chief investment officer of UPS Group Trust, an asset management arm of UPS, since 2005. He actively manages a portfolio of more than $30 billion. During his 37 years at UPS, Pellegrino has held financial management roles at various levels. As CIO, he grew the investment department from a three-person office to a 24-member team today. Building A 'Total Portfolio' Approach From A Clean Slate | Exclusive Q&A With Shawn Wischmeier, CIO Of Cargill Philanthropies - Part I 2017-08-22T10:29:45-04:00https://www.thetrustedinsight.com/investment-news/building-a-total-portfolio-approach-from-a-clean-slate-exclusive-qa-with-shawn-wischmeier-cio-of-cargill-philanthropies-20170822009/ Shawn Wischmeier joined Margaret A. Cargill Philanthropies in May 2012 as the foundation's first chief investment officer. Wischmeier's interview with Trusted Insight is organized in two parts. In part one of the interview, he discusses how he radically changed the investment team at Cargill Philanthropies and built an investment portfolio from almost a clean slate. Inside Boys Town's 'Tenured' Investment Team | Exclusive Q&A With Arnaldo Ovalles, Investment Analyst 2017-08-17T11:41:05-04:00https://www.thetrustedinsight.com/investment-news/inside-boys-towns-tenured-investment-team-exclusiv-20170817494/ Arnaldo Ovalles is an investment analyst at Boys Town, an institution that assists at-risk children and families to succeed in life. He is responsible for evaluating existing and potential managers for all asset classes in the investment portfolio. In this interview, he discussed the tenure and culture of the investment team at Boys Town; his involvement in the University of Nebraska's MBA Program; and why he follows a value investing approach. A Look At Carnegie Corporation's 'Cognitive Diversity' | Ken Lee, Director Of Investments | Exclusive Q&A 2017-08-08T12:13:33-04:00https://www.thetrustedinsight.com/investment-news/look-carnegie-corporations-cognitive-diversity-ken-20170808357/ Ken Lee is the director of investments at Carnegie Corporation of New York. He is one of five senior investment professionals managing a $3.3 billion endowment allocated to a range of traditional and alternative assets. In this interview, Lee discussed the ins and outs of working within a smaller investment team; identifying great managers and idiosyncratic opportunities; and why Carnegie's investment team is fond of cognitive diversity. 'Risk Manager' Investors Outperform In The Long Term | Exclusive Q&A With U Of Maryland CIO Sam Gallo, Part 3 2017-08-03T14:11:45-04:00https://www.thetrustedinsight.com/investment-news/risk-manager-investors-outperform-long-term-exclus-20170803324/ Sam Gallo is the chief investment officer at University System of Maryland Foundation, where he is responsible for the investment portfolio totaling more than $1.3 billion. In today's article, Gallo discusses his investment philosophy, implementation in current markets and why he puts a strong emphasis on risk management. Turning A 'Battleship 180 Degrees' | Rosalind Hewsenian, CIO At Helmsley Charitable Trust | Exclusive Q&A 2017-08-01T12:03:14-04:00https://www.thetrustedinsight.com/investment-news/turning-battleship-180-degrees-rosalind-hewsenian--20170801250/ Rosalind M. Hewsenian is the chief investment officer of the Helmsley Charitable Trust. In this interview, she discussess how seeing the industry from different perspectives influenced her investment approach, developing a private capital portfolio from scratch and insight on accessing private market deals. University System Of Maryland's Greatest 'Hidden Gem' | CIO Sam Gallo | Exclusive Q&A, Part 2 2017-07-25T11:02:41-04:00https://www.thetrustedinsight.com/investment-news/university-system-marylands-greatest-hidden-gem-ci-20170725142/
Sam Gallo is the chief investment officer at University System of Maryland Foundation, where he is responsible for the investment portfolio totaling more than $1.3 billion. In today's article, Gallo shares the importance of building a solid team structure, the advantages of being affiliated with a higher education institution and why he's an advocate of well-roundedness.
 Helmsley Trust's Liquidity-Focused Investment Strategy | Exclusive Q&A With Al Kim, Director Of Investments 2017-07-20T10:49:53-04:00https://www.thetrustedinsight.com/investment-news/helmsley-trusts-liquidity-focused-investment-strategy-exclusive-qa-with-al-kim-director-of-investments-20170720093/
Al Y. Kim is a director of investments at The Helmsley Charitable Trust. He manages the Trust's $5.5 billion of assets across various strategies. Unlike many foundations or institutional investors at large, Helmsley Trust allocates its assets by a liquidity-based framework and works with a concentrated network of asset managers. In this interview, Kim explains the making of this investment strategy and the flexibility in asset exposure a liquidity-based framework affords.
 University System Of Maryland Foundation Is A 'Well-Oiled Machine': CIO Sam Gallo | Exclusive Q&A, Part 1 2017-07-18T11:16:46-04:00https://www.thetrustedinsight.com/investment-news/university-system-of-maryland-foundation-is-well-oiled-machine-20170718999/ Sam Gallo is the chief investment officer at University System of Maryland Foundation, where he is responsible for the investment portfolio totaling more than $1.2 billion. In today's article, Gallo discusses the value in a background of varied work experiences and why the first step in leading a world-class institutional investment program is developing strong governance. Targeting Early-Life-Cycle Managers | Matt Hill, Portfolio Manager, University Of Chicago | Exclusive Q&A 2017-07-12T11:16:02-04:00https://www.thetrustedinsight.com/investment-news/targeting-early-life-cycle-managers-matt-hill-port-20170712942/ Matt Hill is a portfolio manager at the University of Chicago Office of Investments. Previously, he was a portfolio analyst in both the public markets and private equity asset classes. Prior to that, he was a financial analyst at the University of Pittsburgh Medical Center. Hill holds an MBA from the University of Chicago Booth School of Business and a B.A. in applied economics and management from Cornell University.

 In this interview, Hill discusses how his diverse experiences shaped his investment philosophy, his framework for evaluating prospective managers and why he's an advocate of targeting and investing in early-life-cycle managers. The Rocket Scientist, Wall St. Veteran Behind MoMA Foundation | Exclusive Q&A With CIO Frank Ahimaz 2017-06-27T11:23:15-04:00https://www.thetrustedinsight.com/investment-news/the-rocket-scientist-wall-st-veteran-behind-moma-endowment-exclusive-qa-with-cio-frank-ahimaz-20170627635/
Frank Ahimaz joined the Museum of Modern Art as chief investment officer in 2008. His primary role is to analyze market dislocations and to manage MoMA's investment portfolio totaling $839 million as of Jun. 30, 2016. Prior to MoMA, Ahimaz spent more than 15 years on Wall Street. He was a director at Citigroup focusing on retail and consumer sectors, a co-founder of Dover Management, an asset alternative fund, and worked at Chemical Venture Partners, Merrill Lynch Global Private Equity, Goldman Sachs and Morgan Stanley in both private equity and investment banking. Like himself, MoMA's investment team consists of mostly Wall Street veterans. In this interview, Ahimaz reveals his team's clear-cut investment strategy and how he applies skills from the asset management side to foundation investing.
 Institutional Investing Shaped By Human Behavior | Exclusive Q&A With Clark Cheng, CIO Of Merrimac – Part I 2017-06-22T11:40:48-04:00https://www.thetrustedinsight.com/investment-news/institutional-investing-shaped-by-human-behavior-exclusive-qa-with-clark-cheng-cio-of-merrimac-part-i-20170622532/ Clark Cheng is the chief investment officer at Merrimac, a private investment firm based in Stamford, Connecticut primarily investing in hedge funds. Prior to Merrimac, Cheng was a hedge fund manager HSBC's Alternative Investment Group. Cheng was named on Trusted Insight's 2016 Top 30 Family Office Investors. His interview is divided into two parts. In part one, he discusses how his academic background in psychology informed his decision-making as an investor and why he believes understanding human behavior is essential in any career. He also shares views on innovative investment products and why he thinks some can be problematic. Investing In The Era Of 'Cloud' | Exclusive Q&A With Nick Adams, Managing Director At AME Cloud Ventures 2017-06-20T10:22:15-04:00https://www.thetrustedinsight.com/investment-news/investing-in-the-era-of-cloud-exclusive-qa-with-nick-adams-managing-director-at-ame-cloud-ventures-20170620454/
Nick Adams has been managing director at AME Cloud Ventures since 2012 after spending five years in the two powerhouses of Asia -- India then China. Previously, he was the director for international business development at Edward Tian's Cloud Valley. Adams holds a M.Eng in electronic and electrical engineer from Imperial College. Adams was recently named on Trusted Insight's Top 30 Family-Backed VC Investors.
 Mellon Foundation CIO John Hull: Optimistic After A 'Surprising 2016' | Exclusive Q&A 2017-06-13T10:50:39-04:00https://www.thetrustedinsight.com/investment-news/mellon-foundation-cio-john-hull-optimistic-after-a-surprising-2016-exclusive-qa-20170613265/ John Hull is the chief investment officer of Andrew W. Mellon Foundation. He was recently named on Trusted Insight's Top 30 Foundation Chief Investment Officers In this interview, he discusses his outlook for the future of capital markets following unexpected economic and political events in 2016 and his takes on a few hot current issues in institutional investing. Avoid Over-Diversification Through Manager Selection | Exclusive Q&A With David Demeter, Investment Manager of University Of Michigan 2017-06-08T11:06:50-04:00https://www.thetrustedinsight.com/investment-news/avoid-over-diversification-through-manager-selection-exclusive-qa-with-david-demeter-investment-manager-of-university-of-michigan-20170608187/ David Demeter is the manager of investments at the University of Michigan. He has been with the university endowment since 2005, managing an endowment pool of $9.7 billion (as of June 30, 2016). In this interview, Demeter reveals University of Michigan's manager selection criteria and one thing that differentiates great managers with average ones. He also shares his favorite readings that guide his professional opinions and help him be a smart investor. Trusted Insight's New Book Dives Into The Psyche Of Top Institutional Investors 2017-06-07T10:46:19-04:00https://www.thetrustedinsight.com/investment-news/trusted-insights-new-book-dives-into-top-institutional-investor-psyche-20170607142/
Trusted Insight is pleased to announce the publication of Inside The World's Top Institutional Investment Offices: Conversations With 80 Institutional Investors, a book written by Trusted Insight staff and forwarded by tenured endowment investor Lawrence E. Kochard, CEO and chief investment officer of the University of Virginia Investment Management Company
 Saving An Underfunded Plan: De-Risking & Educating Participants | Exclusive Q&A With Mo Jalajel, Pension Manager Of Pfizer 2017-06-06T10:25:06-04:00https://www.thetrustedinsight.com/investment-news/saving-an-underfunded-plan-de-risking-educating-participants-exclusive-qa-with-mo-jalajel-pension-manager-of-pfizer-1-20170606106/ Mo Jalajel is a senior manager of pension investments at Pfizer, Inc., a major pharmaceutical company headquartered in New York City. He is responsible for the global public equity and fixed income allocations within Pfizer's U.S. defined benefit plan. In this interview, Jalajel discusses adapting to the new fee structure for hedge funds, following a liability-driven investment philosophy and how institutions should "take every opportunity to de-risk their defined benefit plan." He also shares career insights for young people looking to enter institutional investing. Why LPs Should Utilize Upstream Oil & Gas Assets | Edward Geiser, Managing Partner, Juniper Capital Advisors | Exclusive Q&A 2017-05-24T11:10:04-04:00https://www.thetrustedinsight.com/investment-news/why-lps-should-utilize-upstream-oil-gas-assets-edward-geiser-managing-partner-juniper-capital-advisors-exclusive-qa-20170524816/ Edward Geiser is managing partner and head of investment committee at Juniper Capital Advisors, a private equity firm based in Houston, Texas. The firm focuses on control equity investments in middle market oil and gas companies that have assets in established basins all located onshore in the United States. Geiser will represent Juniper at the Trusted Insight Alpha Conference on June 14 in San Francisco. This interview is a sneak preview to his presentation. Geiser discusses the upstream oil and gas market, the impacts of the decline in oil prices and what makes an ideal institutional investor partner. How Ancient Chinese Wisdom Inspires This Investor's Strategy | Exclusive Q&A With Ying Hosler, Director Of Penn State University Endowment 2017-05-19T12:43:37-04:00https://www.thetrustedinsight.com/investment-news/how-ancient-chinese-wisdom-inspires-this-investors-strategy-exclusive-qa-with-ying-hosler-director-of-penn-state-university-endowment-20170519695/ Ying Hosler has been with the Office of Pennsylvania State University Investment Management since September 2008. She is involved in all aspects of managing and investing the University's $3.8 billion long-term investment pool, with a primary focus on equity-related strategies in both traditional and alternative spaces. Prior to Penn State, Hosler had more than a decade of broad business experience in both the U.S. and China. Hosler received her MBA from Yale School of Management in 2006. She also holds a master's in finance from Beijing University. In this interview, she discusses how she and the Penn State team brought the endowment's management in-house from external consultants in recent years and increased exposure to private and international sectors. Hosler also explains why she is dubious about the turning-to-beta trend among institutional investors. 'Squeezing Out Alpha' From Alternative Assets | Exclusive Q&A With Kurt Hoddinott, Senior Investment Manager, General Mills 2017-05-16T11:36:54-04:00https://www.thetrustedinsight.com/investment-news/theres-no-easy-answer-in-todays-markets-kurt-hoddinott-senior-investment-manager-general-mills-exclusive-qa-20170516554/ Kurt Hoddinott is the senior manager of investments at General Mills, overseeing the company's pension, savings plan and post-retiree health care assets. In this interview, Hoddinott discusses the challenges of investing in current markets, the keys to General Mills strong annual performance and the benefits of rebalancing when "there isn't anything that's a glaring opportunity." Building An Investment Office, Reputation From Scratch | Exclusive Q&A With Jonathan Hook, CIO Of Weinberg Foundation 2017-05-05T10:53:39-04:00https://www.thetrustedinsight.com/investment-news/building-an-investment-office-reputation-from-scratch-exclusive-qa-with-jonathan-hook-cio-of-weinberg-foundation-20170505205/ Jonathan Hook joined The Harry and Jeanette Weinberg Foundation as its inaugural chief investment officer in May of 2014. He oversees the foundation's $2.2 billion of investments across various asset classes. Previously, Hook was the chief investment officer at The Ohio State University from 2008 to 2014 and the chief investment officer at Baylor University from 2001 to 2008. Mr. Hook was recently named on Trusted Insight 2017 Top 30 Foundation Chief Investment Officers. He graciously spoke with us on April 20. Larry Kochard's Nuanced Evolution Toward Asset Allocation | Exclusive Q&A With CIO Of University Of Virginia Investment Management Company 2017-05-02T11:49:11-04:00https://www.thetrustedinsight.com/investment-news/larry-kochards-nuanced-evolution-toward-asset-allocation-exclusive-qa-with-cio-of-university-of-virginia-investment-management-company-20170502061/ Lawrence "Larry" Kochard is the chief investment officer and CEO at the University of Virginia Investment Management Company. In this interview, Kochard discusses how UVIMCO sticks to its strengths to avoid a herd mentality, the difficulties of scaling a co-investment program and the evolution of his approach to markets and institutional investment over his tenured career as an asset allocator. Making Progress In A Troubled Post-Recession State | Exclusive Q&A With Dina Richard, CIO Of Trinity Health 2017-04-26T15:12:59-04:00https://www.thetrustedinsight.com/investment-news/making-progress-in-a-troubled-post-recession-state-exclusive-qa-with-dina-richard-cio-of-trinity-health-20170426913/ Dina Richard is the senior vice president of treasury and chief investment officer of Trinity Health, a national Catholic health care system headquartered in Livonia, Michigan. She assumed the role in December 2014. Prior to Trinity Health, Richard served as the vice president of investments for Taubman Ventures Management, a Michigan-based single-family office. She also serves as chairman for the investment committee of the Detroit Institute of Art. In this interview, Richard discusses a number of topics, including Trinity Health's investment strategy, her involvement in promoting female representation in institutional investing and her observations from an investor's perspective on Michigan's economy post the 2008 Financial Crisis. Asset Manager 'Size Is The Enemy Of Returns' | Exclusive Q&A With Scott Wilson, CIO, Grinnell College 2017-04-25T11:43:06-04:00https://www.thetrustedinsight.com/investment-news/asset-manager-size-is-the-enemy-of-returns-exclusive-qa-with-scott-wilson-cio-grinnell-college-20170425873/ Scott Wilson is the chief investment officer for Grinnell College. In this role, Wilson evaluates global investment themes and strategies within equities, fixed income, real assets, private equity, venture capital, and marketable alternatives, including portfolio overlay and hedging options. In this interview, Wilson discusses how his previous experience working in Tokyo shaped his investment philosophy, Grinnell College's investment strategy and why the endowment is focussing on niche managers. Adventist Health System's Mission-Driven Investment Approach | Exclusive Q&A With CIO Rob Roy 2017-04-20T11:51:47-04:00https://www.thetrustedinsight.com/investment-news/adventist-health-systems-mission-driven-investment-approach-exclusive-qa-with-cio-rob-roy-20170420745/ Rob Roy is vice president and chief investment officer for Adventist Health System (AHS), a faith-based hospital system that carries out the health care ministry of the Seventh-day Adventist Church headquartered in Altamonte Springs, Florida. Roy oversees the organization's investment assets exceeding $5 billion. Under his leadership since 2013, the investment office has grown both in staff size and portfolio value. In this interview, he discusses recent development of Adventist's investment portfolio and the health care system's mission-driven investment approach. Mount Sinai's Atypical Portfolio Structure | Exclusive Q&A With CIO Scott Pittman 2017-04-18T11:47:01-04:00https://www.thetrustedinsight.com/investment-news/mount-sinais-nontraditional-portfolio-structure-exclusive-qa-with-cio-scott-pittman-20170418686/ Scott Pittman joined the Mount Sinai Health System as the Senior Vice President and Chief Investment Officer in December 2008. The investment office is charged with managing the institution's $1.7 billion endowment and long-term capital. Unlike many institutional investment offices, Mount Sinai's portfolio is not constructed by traditional asset classes such as private equity and hedge funds. In this interview, he discusses how he built Mount Sinai's portfolio and the thinking behind it.
  From One-Woman Team To A Global Portfolio | Exclusive Q&A With Kathy Vogelsang, CIO Of Van Andel Institute 2017-04-13T12:48:33-04:00https://www.thetrustedinsight.com/investment-news/from-one-women-team-to-a-global-portfolio-exclusive-qa-with-kathy-vogelsang-cio-of-van-andel-institute-20170413544/ Kathy Vogelsang is the chief investment officer at Van Andel Institute, a nonprofit medical research center based in Grand Rapids, Michigan. Vogelsang joined the institution in 2005 as its inaugural chief investment officer for the institute's $1.3 billion of endowment assets. Previously, Vogelsang was vice president and senior portfolio manager at Fifth Third Bank and an investment manager at JVA Enterprises, a single-family office founded by Amway Corp. co-founder Jay Van Andel and his family. How Hewlett Foundation Positions Portfolio For The Unpredictable Future | Exclusive Q&A With CIO Ana Marshall - Part II 2017-04-07T11:16:28-04:00https://www.thetrustedinsight.com/investment-news/how-hewlett-foundation-positions-portfolio-for-the-unpredictable-future-exclusive-qa-with-cio-ana-marshall-part-ii-20170407302/
2016 was a peculiar yet interesting year for institutional investors -- index funds outperformed active equity managers; geopolitical factors such as the U.S. election, Brexit and political turbulences in European countries rattled the macroeconomic environment, making investing ever unpredictable and challenging for institutional investors.

In part two of Trusted Insight's interview with Ana Marshall, chief investment officer of the William and Flora Hewlett Foundation, Marshall discusses these topics, her outlook on return prospect and interest rates, and her strategy to guard Hewlett Foundation's portfolio against risks and uncertainties.
 What This Corporate DB Plan Invests In To Hit Funding And Return Goals | Exclusive Q&A With Erik Carleton Of Textron 2017-04-06T11:05:57-04:00https://www.thetrustedinsight.com/investment-news/what-this-corporate-db-plan-invests-in-to-hit-funding-and-return-goals-exclusive-qa-with-erik-carleton-of-textron-20170406248/ Erik Carleton is a director of pension investments at Textron Inc., a $13.4 billion-revenue industrial conglomerate. Carleton manages the global fixed income and public equity investments of the Textron Defined Benefit Plan. He is in charge of the manager selection within public equities, fixed income, currencies and derivatives. Like many institutional portfolios, Textron's defined benefit plan underwent a transition from investing heavily in index equities and fixed income to investing in actively-managed funds. In this interview, Carleton discusses Textron's shift in its investing strategy, how he selects fund managers and the challenges facing corporate pension investors currently. Mr. Carleton was recently named on Trusted Insight's 2017 Top 30 Corporate Investment Office Rising Stars. New Mexico PERA CIO Steps Down 2017-04-05T13:48:53-04:00https://www.thetrustedinsight.com/investment-news/new-mexico-pera-cio-steps-down-20170405198/ The Public Employees Retirement Association of New Mexico's Jonathan Grabel resigned as chief investment officer as of March 31, 2017. The $14.7 billion pension has appointed Jude Perez as the interim CIO. Hewlett Foundation CIO: This Is A Numbers Industry; You Are As Good As Your Numbers | Exclusive Q&A - Part I 2017-04-04T11:44:48-04:00https://www.thetrustedinsight.com/investment-news/hewlett-foundation-cio-this-is-a-numbers-industry-you-are-as-good-as-your-numbers-exclusive-qa-part-1-20170404154/ Ana Marshall is vice president and chief investment officer for the William and Flora Hewlett Foundation. She is responsible for the asset allocation and strategic investment policy recommendation and implementation of the $9 billion endowment portfolio. Ms. Marshall was recently named on Trusted Insight's 2017 Top 30 Women Chief Investment Officers. Her interview is split into two parts. In the first part, she shares her experience as a female institutional investor and why she believes men and women have equal chances to succeed in this industry despite a wide gender gap currently. From Efficient Market Theory To A 100% Active Management Portfolio | Exclusive Q&A: Michael Odlum, CIO, Northwell Health 2017-03-28T11:02:35-04:00https://www.thetrustedinsight.com/investment-news/from-efficient-market-theory-to-a-100-active-management-portfolio-exclusive-qa-michael-odlum-cio-northwell-health-20170328880/ Since September 2011, Michael Odlum has headed the treasury group at Northwell Health. Odlum has served in various investment management leadership positions over a more than 30-year career. Odlum holds an MBA in finance from the University of Pennsylvania, an A.B. in history from Princeton University and is a chartered financial analyst. Odlum was recently named to Trusted Insight's Top 30 Hospital Investment Officers. He graciously spoke with Trusted Insight on January 13, 2017. In this interview, Odlum discusses the primary risk factors in the markets today, how his background as an asset manager helps him identify those risks and offers an outlook for the future of hospital investment offices as an industry. The following interview was edited and condensed for clarity. How We're Positioning For Impending Inflation | Exclusive Q&A With CIO Chris Halaska, Memorial Hermann Health System 2017-03-24T14:04:44-04:00https://www.thetrustedinsight.com/investment-news/how-were-positioning-for-impending-inflation-exclusive-qa-with-cio-chris-halaska-memorial-hermann-health-system-20170324818/ Chris Halaska is a senior vice president and chief investment officer at Memorial Hermann Health System. Previously, Halaska had worked at J.P. Morgan for more than 12 years. Halaska holds a BBA in finance and an MBA, both from the University of Texas at Austin. Mr. Halaska was recently named on Trusted Insight's 2017 Top 30 Hospital Investment Officers. He graciously spoke with us on January 26. Hidden Among High Valuations, Niche Real Estate Opportunities Abound | Exclusive Q&A With Caixia Ziegler, Ford Foundation 2017-03-21T10:23:32-04:00https://www.thetrustedinsight.com/investment-news/hidden-among-high-valuations-niche-real-estate-opportunities-abound-exclusive-qa-with-caixia-ziegler-ford-foundation-20170321688/ Caixia Ziegler is an associate director and the head of real estate at Ford Foundation. Previously, she was the director of global real assets at the National Railroad Retirement Investment Trust, where she oversaw public and private real estate, timberland, upstream energy and other real asset investments. From Lawyer To Institutional Investor | Exclusive Q&A With Kathleen Browne, Managing Director Of Wellesley College 2017-03-17T13:41:03-04:00https://www.thetrustedinsight.com/investment-news/with-kathleen-browne-md-of-wellesley-college-exclusive-qa-20170317607/ Kathleen Browne is the managing director at Wellesley College. She has been in this role since 2009. Previously, she worked at the Alcatel-Lucent Investment Management Corp. for eight years, most recently serving as the director of alternative investments. She is also a member of the investment committee at Boston Arts Academy and The Foundation for MetroWest. In this interview, she discusses her career transition from engineering to law, and finally to investment. She also talks about the investment strategy at Wellesley College endowment, where she manages investments across all asset classes, and her insights on opportunities in real estate, in particular.

 The Future Of Health Care Investment Offices | Exclusive Q&A With Michael Malewicz, CIO Of SSM Health 2017-03-15T10:27:49-04:00https://www.thetrustedinsight.com/investment-news/the-future-of-health-care-investment-offices-exclusive-qa-with-michael-malewicz-cio-of-ssm-health-20170315465/ Michael Malewicz is the system vice president – treasury and chief investment officer at SSM Health, a Catholic, not-for-profit health system. He leads the SSM Health Portfolio Management Company. He is in charge of developing capital strategies, leading the issuance of debt, maintaining rating agency relationships, continuously enhancing the investor relations program, financial modeling and mergers and acquisitions. In this interview, he talks about managing a $4 billion asset pool for a health care system, what factors come into play when making asset allocation decisions, and his view on how hospitals will evolve as investment plays a bigger role in supporting operations. 10 Most Important Reads Of The Week - March 10, 2017 2017-03-10T11:18:13-05:00https://www.thetrustedinsight.com/investment-news/10-most-important-reads-of-the-week-march-10-2017-20170310335/ It has been an eventful week, and it's easy to fall behind. Here are the 10 most important reads of the week. Celebrating The Top 30 Women Chief Investment Officers 2017-03-08T12:00:22-05:00https://www.thetrustedinsight.com/investment-news/celebrating-the-top-30-women-chief-investment-officers-20170308247/ In honor of International Women's Day, Trusted Insight is celebrating the women within institutional investment who have shown exceptional leadership and investment acumen as chief investment officers. Will New Investment Vehicles Create More Problems Than They Solve? | Exclusive Q&A With CIO Dhvani Shah, Illinois Municipal Retirement Fund 2017-03-08T10:39:28-05:00https://www.thetrustedinsight.com/investment-news/will-new-investment-vehicles-create-more-problems-than-they-solve-exclusive-qa-with-cio-dhvani-shah-illinois-municipal-retirement-fund-20170308237/ Dhvani Shah is the chief investment officer of Illinois Municipal Retirement Fund (IMRF), a pension fund with $34.9 billion assets under management. Previously, Shah was the managing director of private equity of the $89.9 billion New York State Teachers' Retirement System. Shah has a BBA from Loyola University and an MBA from the University of Chicago Booth School of Business. Shah was recently named on Trusted Insight's 2017 Top 30 Women Chief Investment Officers. A CIO's 'Trial By Fire' Experience | Exclusive Q&A With Scott Simon, Fire & Police Pension Association of Colorado 2017-03-07T12:29:17-05:00https://www.thetrustedinsight.com/investment-news/scott-simons-trial-by-fire-experience-exclusive-qa-with-chief-investment-officer-at-fire-police-pension-association-of-colorado-20170307193/ Scott Simon is chief investment officer at Fire & Police Pension Association of Colorado. In this interview, Simon discusses the pension fund's fully funded status, his "trial by fire" working through the recession and the logic behind the institution's governance and team structures. Why Mercy Confirmed Its Commitment To Hedge Funds | Exclusive Q&A With CIO Anthony Waskiewicz 2017-03-02T12:24:01-05:00https://www.thetrustedinsight.com/investment-news/why-mercy-reconfirmed-its-commitment-to-hedge-funds-exclusive-qa-with-cio-anthony-waskiewicz-20170302025/ Anthony S. Waskiewicz is the chief investment officer for Mercy Health, where he manages the health system's short-term, endowment and pension plan assets totaling $2.5 billion. In this interview, Waskiewicz discusses his process for building an investment office from scratch, how the portfolio has evolved over time and his outlook for the future hospital investment offices as an institution type. Investing In Evolving Real Estate Markets | Exclusive Q&A: Anthony Breault, Senior Investment Officer, Oregon State Treasury 2017-02-28T10:16:04-05:00https://www.thetrustedinsight.com/investment-news/anthony-breault-is-the-senior-real-estate-investment-officer-at-oregon-state-treasury-20170228923/ Anthony Breault is the senior real estate investment officer at Oregon State Treasury. He manages an approximate $9 billion NAV real estate portfolio within the $70 billion Oregon Public Employees Retirement Fund. In this interview, Breault discusses his journey from the military to real estate asset management to public pensions and how the Oregon pension fund portfolio strategy evolved over the past ten years. He also shares insights into the current real estate landscape, both domestic and international. People Are The Key To Investment Success: CIO Philip Rotner, Boston Children's Hospital | Exclusive Q&A 2017-02-23T11:02:53-05:00https://www.thetrustedinsight.com/investment-news/people-are-the-key-to-investment-success-cio-philip-rotner-boston-childrens-hospital-exclusive-qa-20170223771/ Philip Rotner is the inaugural chief investment officer at Boston Children's Hospital, where he manages the hospital's endowment, pension and short-term investment assets. In this interview, Rotner discusses why people are the most important aspect of institutional investing, his criteria for prospective investment managers and how the Boston Children's investment office approaches risk. Why Virginia Retirement Is Increasing Private Markets Exposure | Exclusive Q&A With Ronald Schmitz 2017-02-21T10:15:02-05:00https://www.thetrustedinsight.com/investment-news/why-virginia-retirement-is-increasing-private-markets-exposure-exclusive-qa-with-ronald-schmitz-20170221652/ Ronald Schmitz is the chief investment officer at Virginia Retirement System, where he oversees $68 billion of assets under management. Schmitz was recently named on Trusted Insight's Top 30 Public Pension Chief Investment Officers. LBCW CIO Stephen Chang: We Invest Specifically In People | Exclusive Q&A 2017-02-16T10:38:33-05:00https://www.thetrustedinsight.com/investment-news/lbcw-cio-stephen-chang-we-invest-specifically-in-people-exclusive-qa-20170216528/ Stephen Chang is the chief investment officer of LBCW Private Holdings, a family office based in suburban Philadelphia. He is also the founder and managing partner of Acrewood, which invests on behalf of successful, first-generation wealthy individuals, exclusively providing asset-backed principal participations with their peer group of established and serial entrepreneurs. Mr. Chang was recently named on Trusted Insight Top 30 Family Office Investors. He graciously spoke with us on November 28, 2016. How University Of Oregon Gained 2.4% In Year Of Endowment Losses | Exclusive Q&A With CIO Jay Namyet 2017-02-14T10:21:31-05:00https://www.thetrustedinsight.com/investment-news/how-university-of-oregon-gained-24-in-year-of-endowment-losses-exclusive-qa-with-cio-jay-namyet-20170214436/ Jay Namyet is the chief investment officer of University of Oregon Foundation. Over the span of 17 years, the endowment's asset size quadrupled to $800 million, as of January 2017. In 2016, despite lackluster returns at many university endowments, University of Oregon Foundation's portfolio achieved a 2.4 percent return. In this interview, Namyet revealed what contributed to the endowment's gain in the past year, and his unconventional strategy to find managers with untapped potential. How A Kellogg Foundation Director Selects Managers | Exclusive Q&A With Neal Graziano, Part II 2017-02-09T12:03:44-05:00https://www.thetrustedinsight.com/investment-news/lessons-learned-transitioning-from-asset-manager-to-allocator-neal-graziano-w-k-kellogg-exclusive-qa-part-ii-20170209324/ In today's Q&A with W. K. Kellogg Foundation's Neal Graziano, he discusses how his past as an asset manager has shaped his current role as an asset allocator, the characteristics that make the Kellogg investment office unique and what constitutes a worthwhile asset manager. The Death Of Second-Tier Private Market Funds | Exclusive Q&A With Neal Graziano, W. K. Kellogg Foundation 2017-01-31T10:53:04-05:00https://www.thetrustedinsight.com/investment-news/the-death-of-second-tier-private-market-funds-exclusive-qa-20170131001/ Neal Graziano is a director of investments at the W. K. Kellogg Foundation, which manages $3.5 billion in assets. In part one of Trusted Insight's interview with Graziano, he discusses the evolution of markets following the 2008-2009 financial crisis and how that spells the likely death of lower tier private equity and hedge funds and the industry standard two-and-twenty fee structure. Adapting To Private Market Maturation | Andrew Deitch, Associate CIO, Children's Hospital Of Philadelphia | Exclusive Q&A 2017-01-26T21:09:34-05:00https://www.thetrustedinsight.com/investment-news/adapting-to-private-market-maturation-andrew-deitch-associate-cio-childrens-hospital-of-philadelphia-exclusive-qa-20170126869/ In today's Q&A, Deitch discusses the impacts of mature private markets, his approach to uncertain markets and the effects of changing the Affordable Care Act on the hospital and its underlying investments. Exclusive Q&A With Josh Ross, Illinois TRS' Newest Investment Officer 2017-01-26T13:50:11-05:00https://www.thetrustedinsight.com/investment-news/exclusive-qa-with-josh-ross-illinois-trs-newest-investment-officer-20170126842/
Josh Ross is an investment officer at Teachers' Retirement System of the State of Illinois (TRS), where he helps manage the $45.7 billion pension fund's private equity investments. Josh joined TRS in December 2016. Previously, he had worked with family offices and managed private equity investments for Liberty Mutual. In this interview, Ross discusses his new role at Illinois TRS, why he thinks public pension funds are more similar to insurance companies than endowments, and shares his experience working with a Hawaii-based impact investment organization.
 Mississippi PERS CIO Lorrie Tingle: No 'Silver Bullet' For Pensions Has Been Found Yet | Exclusive Q&A 2017-01-24T10:50:49-05:00https://www.thetrustedinsight.com/investment-news/mississippi-pers-cio-lorrie-tingle-no-silver-bullet-for-pensions-has-been-found-yet-exclusive-qa-20170124732/ Lorrie Tingle is the chief investment officer at the Public Employees' Retirement System of Mississippi (MSPERS). She has been in this role since 1996, planning and directing the activities for the pension fund's $24 billion investments to ensure the prudent management of the investment assets. Tingle holds an MBA from Mississippi College and a bachelor's degree in geology from the University of Alabama. Trusted Insight's Top Director Quotes Of 2016 2017-01-23T10:58:49-05:00https://www.thetrustedinsight.com/investment-news/trusted-insights-top-director-quotes-of-2016-20170123662/ In 2016, Trusted Insight interviewed more than 70 institutional investors at the world's leading pension funds, endowments, foundations, among others. Last week, we published the most memorable quotes from chief investment officers. Equally important are the director-level investors who oversee specific portfolios and are often more astute to the pulse within their asset classes. Here are the most insightful quotes from directors in 2016: Advance In Institutional Investing With These 7 Tools In 2017 2017-01-20T12:25:31-05:00https://www.thetrustedinsight.com/investment-news/2017-will-be-trusted-insights-best-year-yet-20170120617/ Here are some of the ways we want to help continue to grow your investment and career success in 2017: INPERS CIO Scott Davis: Key To Making An Alternative-Intensive Pension Portfolio Work | Exclusive Q&A 2017-01-19T11:49:29-05:00https://www.thetrustedinsight.com/investment-news/scott-davis-indiana-pers-exclusive-qa-20170119571/ Scott Davis is the chief investment officer of the Indiana Public Retirement System (INPRS), a pension fund with approximately $30.7 billion in assets under management, as of September 2016. He was appointed interim chief investment from September 2015 and officially assumed the role in June 2016. Mr. Davis was recently named on Trusted Insight's Top 30 Public Pension Chief Investment Officers. He graciously spoke with us on November 22, 2016. Trusted Insight's Top CIO Quotes Of 2016 2017-01-17T10:42:58-05:00https://www.thetrustedinsight.com/investment-news/top-cio-quotes-of-2016-1-20170117444/ In 2016, Trusted Insight interviewed more than 70 institutional investors at the world's leading pension funds, endowments, family offices and sovereign wealth funds, among others. Here are the most memorable quotes we heard this year: This Policy-Driven Market 'Really Scares Me' | Mark Canavan, New Mexico ERB | Exclusive Q&A Part 3 2017-01-13T10:10:04-05:00https://www.thetrustedinsight.com/investment-news/this-policy-driven-market-really-scares-me-mark-canavan-new-mexico-erb-exclusive-qa-part-3-20170113391/ With his broader career in hindsight, we asked Mark Canavan about the current state of the markets and how he has positioned New Mexico Educational Retirement Board's real assets portfolio to mitigate risk while generate the best-possible returns over the near and long term. The Art Of Doing Nothing: Steve Edmundson Of Nevada PERS | Exclusive Q&A 2017-01-10T11:11:33-05:00https://www.thetrustedinsight.com/investment-news/steve-edmundson-the-art-of-doing-nothing-exclusive-qa-20170110250/ Steve Edmundson is the investment officer at the Public Employees' Retirement System of Nevada (NVPERS). As a one-man team, he oversees all aspects of the system's $34.9 billion (as of 2016) investment program, including investment operations, compliance, research, manager oversight and implementation of investment strategy. Nevada's pension fund is known for its simple and conservative portfolio strategy despite an increasing trend of complex investment strategies pursued by many of its pension peers. In this interview, Edmundson explains why his simple model is just as good as any other investment model and why doing nothing is something. CIO Robert Maynard On Idaho's Simple, Transparent Portfolio And Why It Works | Exclusive Q&A 2017-01-05T11:22:22-05:00https://www.thetrustedinsight.com/investment-news/a-simple-transparent-portfolio-will-get-me-there-exclusive-qa-with-robert-maynard-cio-of-persi-20170105140/ Robert Maynard is the chief investment officer of the Public Employee Retirement System of Idaho (PERSI), a pension with $15 billion in assets under management. In this interview, he explains why investing is done best when done simply for a pension fund like PERSI, how to manage a portfolio effectively with a small staff and why it is one of the world's best jobs that he'd pay people to have it if he was rich.

 Derisking Is Critical To A 'Hard Frozen' Pension Plan: Carol McFate, Xerox Corporation | Exclusive Q&A 2016-12-21T11:42:54-05:00https://www.thetrustedinsight.com/investment-news/derisking-is-critical-to-a-hard-frozen-pension-plan-20161221757/ Carol McFate is the chief investment officer of Xerox Corporation, where her team is responsible for the investment management of roughly $9 billion in defined benefit and defined contribution investments for North American plans. McFate was recently named on Trusted Insight's list of the Top 30 Corporate Chief Investment Officers. She spoke with Trusted Insight on October 24, 2016. How I Avoided The Financial Crisis, Earned 50% Net IRR | Mark Canavan, New Mexico Educational Retirement Board | Exclusive Q&A - Part 2 2016-12-15T11:03:33-05:00https://www.thetrustedinsight.com/investment-news/how-i-avoided-the-financial-crisis-earned-50-net-irr-mark-canavan-new-mexico-educational-retirement-board-exclusive-qa-part-2-20161215513/ Before Canavan pioneered institutional investments' charge into a new definition of investing in real assets at New Mexico ERB, he helped his previous employer, the New Mexico Treasurer's Office, avoid the mistakes that crippled institutions across the world – the prevalence of low-quality asset-backed securities. This is part two of our conversation with Canavan. Inside Saudi Arabia's AlTouq Family Office | Exclusive Q&A: CIO Asher Noor 2016-12-13T12:07:54-05:00https://www.thetrustedinsight.com/investment-news/inside-saudi-arabias-altouq-family-office-exclusive-qa-cio-asher-noor-20161213401/ Asher Noor is the chief investment officer and Group CFO for AlTouq Group – a sophisticated Saudi Arabian family investment office and a sought after public speaker. Asher has been based in Saudi Arabia for more than 14 years and has worked for PwC and Banque Saudi Fransi in the past. He was recently named to Trusted Insight's list of the Top 30 Family Office Investors. Ron Virtue: Corporate Pension Investing In A Post-Recession, Low-Return World | Exclusive Q&A 2016-12-08T12:04:15-05:00https://www.thetrustedinsight.com/investment-news/ron-virtue-corporate-pension-investing-in-a-post-recession-low-return-world-exclusive-qa-20161208218/ Ron Virtue is the director of investments at JM Family Enterprises, a diversified automotive company headquartered in Deerfield Beach, Florida with major U.S. operations across the country. It is ranked No. 21 on Forbes' list of "America's Largest Private Companies" and consistently listed as one of the "100 Best Companies to Work For" by Fortune. Mr. Virtue was recently named on Trusted Insight's Top 30 Corporate Chief Investment Officers. Tom Masthay Of TMRS: Real Estate Valuations Aren't Overpriced | Exclusive Q&A 2016-12-07T11:20:15-05:00https://www.thetrustedinsight.com/investment-news/tom-masthay-of-tmrs-real-estate-valuations-arent-overpriced-exclusive-qa-20161207133/ Tom Masthay is the director of real assets at Texas Municipal Retirement System since 2015. He manages the real assets portfolio of the pension's $25-billion investments pool. In this interview, Tom discussed recent strategic developments at Texas Municipal Retirement System, his views on current real estate valuation and why he thinks the asset allocation model should be challenged during times of rapid portfolio diversification. Exclusive Q&A: David Villa, Chief Investment Officer, State of Wisconsin Investment Board 2016-12-06T10:35:13-05:00https://www.thetrustedinsight.com/investment-news/david-villa-chief-investment-officer-state-of-wisconsin-investment-board-exclusive-qa-20161206063/ David Villa joined the State of Wisconsin Investment Board (SWIB) as the chief investment officer in 2006. He oversees the state pension's $99 billion in assets. Mr. Villa was recently named on Trusted Insight's Top 30 Public Pension Chief Investment Officers. Exclusive Q&A: Texas Tech Deputy CIO On The Future Of Investment Management 2016-11-30T11:51:34-05:00https://www.thetrustedinsight.com/investment-news/texas-tech-deputy-cio-on-the-future-of-investment-management-exclusive-qa-20161130885/ Daniel Parker is the deputy chief investment officer at Texas Tech University. Prior to joining Texas Tech, Dan was a senior investment officer at Helmsley Charitable Trust, a vice president in private equity at BlackRock and an associate in investment banking at Citigroup. Dan will be discussing the future of investment management at the Trusted Insight Alpha Conference on Wednesday, June 14, 2017 in San Francisco. Here, he gives us a sneak preview of what to expect: Exclusive Q&A: Mark Canavan, Senior Portfolio Manager, New Mexico Educational Retirement Board - Part I 2016-11-29T11:10:30-05:00https://www.thetrustedinsight.com/investment-news/mark-canavan-senior-portfolio-manager-new-mexico-educational-retirement-board-part-i-exclusive-qa-20161129807/ Mark Canavan is senior portfolio manager at the New Mexico Educational Retirement Board where he manages the pension funds' $1.7 billion in real estate and real assets allocations. During his time at the Retirement Board, Canavan has expanded the scope and definition of what it means to invest in the real assets space to achieve stellar returns. Mr. Canavan was recently named on Trusted Insight's Top 30 LPs Investing In Real Estate & Real Assets, and he graciously spoke with us on November 4. Exclusive Q&A: Laura Kernaghan, Investments Manager, Ann & Robert H. Lurie Children's Hospital 2016-11-23T14:12:46-05:00https://www.thetrustedinsight.com/investment-news/laura-kernaghan-investments-manager-ann-robert-h-lurie-childrens-hospital-20161123669/ Laura Kernaghan is an investments manager at Ann & Robert H. Lurie Children's Hospital of Chicago. Prior to this, she was an equity analyst at Essex Investment Management and an equity analyst at The Burridge Group. Ms. Kernaghan was recently named on Trusted Insight's Top 30 Hospital Investment Office Rising Stars. She graciously spoke with us on September 29, 2016. Exclusive Q&A: Aaron Houlihan, Investment Manager, Catholic Health Initiatives 2016-11-09T14:07:46-05:00https://www.thetrustedinsight.com/investment-news/aaron-houlihan-investment-manager-catholic-health-initiatives-exclusive-qa-20161109039/ Aaron Houlihan is an investment manager at Catholic Health Initiatives in Denver, Colorado, where he is involved in strategy development, asset allocation, and risk management. He also manages a portfolio of public market and private equity investments. Mr. Houlihan was recently named on Trusted Insight's Top 30 Hospital Investment Office Rising Stars. He graciously spoke with us on September 29, 2016. Exclusive Q&A: Eric Kirsch, Global Chief Investment Officer, Aflac 2016-11-07T16:52:52-05:00https://www.thetrustedinsight.com/investment-news/eric-kirsch-global-chief-investment-officer-aflac-exclusive-qa-20161107927/
Eric Kirsch joined Aflac in November 2011 as the first senior vice president and global chief investment officer, and was promoted to executive vice president in July 2012. In his role, he oversees Aflac's investment portfolio and investment team. He transformed Aflac's regionalized, buy-and-hold investment approach into a global investment process with a highly diverse portfolio, which helped Aflac's $100 billion assets stay strong through market turbulences, including the energy crisis earlier 2016.
 Exclusive Q&A: Craig Robbins, Senior Investment Strategist, Children's Hospitals And Clinics Of Minnesota 2016-10-27T13:57:39-04:00https://www.thetrustedinsight.com/investment-news/craig-robbins-senior-investment-strategist-childrens-hospitals-and-clinics-of-minnesota-exclusive-qa-20161027385/ Craig Robbins is a senior investment strategist at Children's Hospitals and Clinics of Minnesota. Mr. Robbins was recently named on Trusted Insights' Top 30 Hospital Investment Office Rising Stars. In this interview, Robbins discusses asset allocation, the "direct investment" trend among hospitals and how he spots the best managers. Exclusive Q&A: Yup Kim, Senior Portfolio Manager, Alaska Permanent Fund Corporation 2016-10-20T14:33:47-04:00https://www.thetrustedinsight.com/investment-news/yup-kim-senior-portfolio-manager-alaska-permanent-fund-corporation-exclusive-qa-20161020963/ Yup Kim is a senior portfolio manager of Special Opportunities at the Alaska Permanent Fund Corporation, a $55 billion sovereign wealth fund. Yup was recently named to Trusted Insight's ranked list of the Top 30 Sovereign Wealth Fund Rising Stars. He graciously shared his thoughts on a number of topics. Exclusive Q&A: Bill Camelio, Investment Strategist, Yale-New Haven Health System 2016-10-18T15:30:14-04:00https://www.thetrustedinsight.com/investment-news/bill-camelio-investment-strategist-yale-new-haven-health-system-exclusive-qa-20161018812/ Bill Camelio has served as investment strategist at Yale-New Haven Health System since December 2014. He was recently named on Trusted Insight's Top 30 Hospital Investment Office Rising Stars. Camelio and two of his colleagues manage Yale-New Haven Health System's $2 billion investment assets. In this interview, he discusses the hospital's asset allocation strategy, working on a small team and the unique challenge facing hospital investors. Exclusive Q&A: Linda Calnan, Senior Investment Officer, Houston Firefighters' Relief and Retirement Fund 2016-10-13T13:26:15-04:00https://www.thetrustedinsight.com/investment-news/linda-calnan-senior-investment-officer-houston-firefighters-relief-and-retirement-fund-exclusive-qa-20161013545/ Linda Calnan is the senior investment officer at Houston Firefighters' Relief and Retirement Fund and manages the pension's private equity and real estate portfolios. Previously, Calnan was director of investments of Starling International Management Ltd. based in the United Arab Emirates. Mr. Calnan was recently named on Trusted Insight's ranked list of Top 30 LPs Investing In Private Equity. Exclusive Q&A: Baron Koch, Director of Investments, CHRISTUS Health 2016-10-07T10:51:40-04:00https://www.thetrustedinsight.com/investment-news/baron-koch-director-of-investments-christus-health-exclusive-qa-20161007297/ Baron Koch is the director of investments at CHRISTUS Health. As the director of the investment portfolio, Baron is responsible for the oversight of all of the investment functions of the organization. Baron is a CFA charterholder, received his MBA from The University of Texas at San Antonio and a bachelor's degree in finance from Trinity University. Exclusive Q&A: Megan Loehner, Director Of Investments, Missouri Local Government Employees Retirement System 2016-10-04T12:00:32-04:00https://www.thetrustedinsight.com/investment-news/megan-loehner-director-of-investments-missouri-local-government-employees-retirement-system-exclusive-qa-20161004123/ Megan Loehner is the director of investments for the Missouri Local Government Employees Retirement System (MOLAGERS) focusing on all aspects of portfolio management. In this interview Loehner discusses how an investment team of two vets private market assets, the challenges of working within the often misunderstood pension fund industry and MOLAGERS strategy for recruiting talent. Exclusive Q&A: DeAnne Mannion, Lead Portfolio Manager, Ohio Public Employees Retirement System 2016-09-29T14:24:03-04:00https://www.thetrustedinsight.com/investment-news/deanne-mannion-lead-portfolio-manager-ohio-public-employees-retirement-system-exclusive-qa-20160929962/ DeAnne Mannion is the lead portfolio manager at Ohio Public Employees Retirement System, or OPERS, where she oversees $40 billion worth of assets, including hedge funds, non-U.S. and U.S. equity, emerging market debt, U.S. and global high yield. Ms. Mannion was recently named on Trusted Insight's ranked list of Women Rising Stars In Institutional Investing. Exclusive Q&A: Jennifer Wenzel, Investment Manager, Teacher Retirement System of Texas 2016-09-22T12:50:12-04:00https://www.thetrustedinsight.com/investment-news/jennifer-wenzel-investment-manager-teacher-retirement-system-of-texas-exclusive-qa-20160922574/ Jennifer Wenzel is a real estate investment manager at the Teacher Retirement System of Texas. Wenzel has held various investment positions at the retirement system since February 2009. Wenzel was recently named on Trusted Insight's list of the Top 30 Women Rising Stars In Institutional Investing.


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Welcome, one and all, to Heart of Crystal, a fictionalized version of a nuzlocke challenge of Pokemon: Crystal. If you are unfamiliar with the rules of the nuzlocke challenge, they are quite simple. 1. You may only catch the first pokemon you encounter in a route or area. 2. If a pokemon faints, it is considered dead and must be released or permanently boxed. 3. All pokemon must be nicknamed. Even if you are unfamiliar with the nuzlocke challenge, I still hope that you enjoy this story, and I appreciate the time you took to read it. With that, welcome once again to Heart of Crystal.
Two towers stood: one golden as the sun, the other silver as the moon, or so the legend went. But only the silver tower still stood. The golden tower gleamed too brightly, and its brilliance was finally melted away until only ruins were left. Or so the legend went.
But something was stirring. Eddies formed in sea and wind, unnoticed and soon forgotten. Something was happening, and the restless earth seemed to sense it.
Archer cared not for legends and stories. At the moment, he cared only for three things. The first was the glass of wine in his hand. The second were the three others sitting at the table, waiting for him to speak. The third he gave a tiny smile and set his glass down on the table. The third was what he had called his former cohorts here for. The third would bring him everything he deserved, and restore everything he had lost.
"What's this all about, Archer?" Proton grumbled, sounding slightly irritated as he ran his thumb over the blade of an elegantly crafted knife Archer had imported especially for him. He had used it as incentive for Proton to actually show up this time, and he was pleased to see that it had worked. A Seviper's tail blade was a rare and expensive prize, and Archer preferred to waste as little money as possible. "None of us have heard from you in over three years."
"Patience, my friend." Archer said, raising a hand. "Did I not promise I would explain everything to you once you were all here?"
"Well, by my count, no one's missin'." Petrel interjected. "So what's the deal?"
Archer folded his hands together and leaned forward. "Gentlemen, lady," he said, giving a polite nod to Ariana, "I have a proposal for you."
"Kris! Get out of bed this instant! It's one thirty in the afternoon!"
Kris groaned and rolled over in her bed, pulling her blankets closer around her. The harsh winter light streamed in as her mom threw the curtains open. She continued to pace about the room, picking up clothes as she went and scolding Kris for never doing anything but sleeping as Kris slowly oozed out from under the blankets and rubbed her eyes until they stayed open.
"You'd better get ready quickly. Mrs. Lowe is coming over in a few minutes, and Professor Elm called for you about an hour ago."
"Huh?" Kris muttered sleepily, blinking in the light. "What does Professor Elm want with me?"
"He didn't say, and if you'd been awake at a reasonable hour, you'd know for yourself." her mother snapped, tossing a pile of clothes at her. "Now, get dressed, and if I don't see you downstairs in five minutes "
"I'll be down, mom." Kris answered, giving a jaw-cracking yawn and stretching her arms over her head. "Promise."The doorbell rang, and Kris' mom ran downstairs to answer it. Kris gave another yawn, then pulled the clothes over and began to get dressed. She could hear her mother happily greeting Mrs. Lowe downstairs and rolled her eyes slightly. Maybe she did have a bad habit of sleeping in, but so what? It's not like there was anything better to do in New Bark Town. Kris had planned on going to Cherrygrove that day to do some shopping, but apparently that was going to have to wait. What could someone like Professor Elm want with her?
She sighed, rubbing her temples slowly in an effort to get rid of her throbbing headache. She knew it would be in vain she'd had it for the past couple months but today it seemed especially sore. Kris shook her head, trying to get her mind off of it, and went into the bathroom to brush her hair and teeth. A few minutes later, she made her way downstairs, hopping down two at a time. Bits of the conversation between her mother and Mrs. Lowe began to drift into focus.
" absolutely terrible. Who knew Sentrets could be so violent?"
"Such a shame. I'm glad he managed to get away!"
"Me too. But he told me that this isn't the first time this has happened. Apparently, pokémon all over Johto are becoming more oh, good afternoon, Kris!"
Kris smiled politely, pausing for only the briefest of moments. "Good afternoon, Mrs. Lowe." she said before disappearing into the kitchen. Her stomach rumbled as she rummaged through the refrigerator and gathered the necessary ingredients for a sandwich.
"Oh, Kris!" her mom called. "Your pokegear came back from the shop today! Do you need me to read the instructions to you?"
"Thanks, mom, I'm good!" Kris called back as she put the food back into the refrigerator.
Her mother, interpreting Kris' response as affirmation, continued to read anyway. Kris gave a tiny sigh, ignoring her and knowing that her mother couldn't see her in the kitchen. It didn't take long for her to finish, and Kris walked back out into the living room, holding her sandwich in one hand and chewing the first bite. "Did you get all that, hon?"
Kris swallowed and smiled. "Yep. I'm going to head over to the professor's when I'm done, okay?"
"All right, dear. And be careful if he sends you out, all right? Mrs. Lowe was just telling me that her son Ethan was attacked by a wild Sentret the other day. His Marill is in Cherrygrove Pokémon Center's urgent care, but we don't know if he'll make it."
Kris winced, her appetite suddenly gone. She'd heard stories about pokémon becoming more violent recently, but she'd never quite believed it. "I'll be careful, mom. I promise." she said, nodding and setting her sandwich down on the table. She'd finish it when she got back.
Her mother nodded as well. "All right. If you're going to be back after dark, call me, okay?"
"Will do. Bye mom!"
Kris shivered as she stepped outside. It was always windy in New Bark Town, and most houses had windmills on their roofs to capitalize on it, but the wind today was especially strong, and it bit into Kris' skin even through her coat. So much for winter nearly being over. She bent her head down against the cold hurried and in the direction of Elm's pokémon lab near the entrance to town.
A sharp gust of wind blew her cap off her head, and Kris chased after it with a cry. It blew around the corner of Elm's lab and she rushed to grab it.
"Hey, watch it."
Kris fell backwards with a small grunt, clutching her hat in one hand and rubbing her head with her other. She looked up and saw something she rarely saw in New Bark Town someone she'd never seen before. Behind him, a small crate sat under one of the windows. Was he spying on the lab? "Sorry." she muttered as she got to her feet. "Who're you?"
"None of your business."
"No need to bite my head off." Kris grumbled. "Its not often there's a new face in town, that's all."
"Well, I don't like people staring at my face." he said angrily. "So go away."
Kris scowled. "What are you doing back here, anyway?"
"I said go away!" the boy snapped, stepping forward and shoving Kris back.
Kris stumbled back out onto the main street. Outraged, she glared at the boy and placed her hat defiantly back onto her head. Without a word, she turned up her nose and marched inside the lab.
Inside, the professor's assistant was scrambling around, climbing up and down ladders to put books back on shelves or take them off according to what Professor Elm called out. The professor himself was sitting at his computer at the back of the lab, occasionally calling out the name of a file or book he wanted his assistant to get for him. When the door opened, he looked up and clumsily shoved his glasses back to their proper place on his nose. "Kris? Is that you?"
Kris pushed the door shut and turned back around. "Yes, professor, it's me!"
Professor Elm smiled and stood up. "Mr. Lowe, could you fetch that thing we were talking about?" His assistant set down his tower of books and rushed into the back room, and Professor Elm turned to Kris. "I'm glad that you could come over on such short notice, Kris. I have a favor to ask of you. You see, I just got an email from my friend, Mr. Pokémon. He says he's made a serious discovery, and I think he really means it this time. The problem is that, well " he trailed off, waving a hand around at the chaos that the walls of the lab barely seemed able to contain. "As you can see, with just the two of us here, it's rather busy. I'd like you to pop over to Mr. Pokémon's house and see what all the fuss is about."
Kris glanced back outside, then pulled her jacket a little tighter around her. "But Professor, what about the wild pokémon?"
"Well, of course I wouldn't send you out there by yourself." Professor Elm said, leading Kris over to a table with three pokéballs on it. "Not with the wild pokémon becoming so violent. Here are three pokémon you may pick from to accompany you on your journey. You'll be their first partner, but I assure you, any of them will be fine protection."
Kris looked curiously at the balls, each with a little picture on the table in front of them showing what the ball contained. "A pokémon? For me?"
"That's right," Professor Elm answered, smiling. "for you. I know you're responsible enough to care for it, and well, to be honest, I just have a good feeling about it."
Kris looked over the pictures thoughtfully. A good feeling, huh? Well, she supposed worse decisions had been made on less. She ran her fingers gently over the pokéballs, wondering which one she should choose. The grass type was cute, but with winter not yet over, Kris worried about keeping it healthy. She didn't much like the look of the water type, either. That just left one more choice.
"Ahh, Cyndaquil! Excellent choice!" Professor Elm exclaimed. "Would you like to release him from his ball and say hello?"
Kris was already in the process of doing just that. As her new Cyndaquil emerged from his ball, Kris knelt down and offered her hand to him. "Hey there little guy I'm your new trainer. My name's Kris."
The Cyndaquil looked up at her for a moment, then smiled and nuzzled into her hand. Professor Elm also smiled and Mr. Lowe came up to them. "Here, Kris a Potion for your trip." he said, offering the small purple bottle to her. "In case things get a little hairy."
"Oh! That reminds me." Professor Elm said, digging through his pockets. "Here, let me give you my phone number. If anything happens, call me, all right?"
"All right, Professor." Kris said, handing him her pokégear. As the professor entered in his number, she turned back to her new Cyndaquil and gently patted his head. "Now, what should I name you? Hm what about Teddy? Do you like that name?" The Cyndaquil grinned happily and nodded, and Kris pulled him into her arms. As he snuggled into her chest, Kris could feel the warmth radiating from his tiny body and couldn't help but grin. She finally had a pokémon of her very own! "Teddy it is, then."
"Here's your pokégear back, Kris." Professor Elm told her, handing it back. "Now, be careful, all right? If anything happens, you can come back here and heal up Teddy on this machine."
"I'll be careful, Professor." Kris promised, heading towards the door. "And I'll be back soon, don't worry!"
As she left the lab, she shivered again and held Teddy closer to her. "Burr it's getting really cold. You okay to stay out of your ball, Teddy?"
"I'm fine."
Kris nearly dropped the tiny pokémon out of sheer shock. "Did you just talk?"
"I've always been able to talk. You're just the only human who's ever talked back." Teddy said frankly, tilting his head at her.
"Wait, so does this mean you actually have a name? Why didn't you say anything?"
"I like the name you gave me better."
"Well, I mean how come I've never heard any pokémon talk before? Can you all talk? Do you just not talk around people? Is there some great advanced society of pokémon that you keep secret from us? How come no one has ever been able to understand any pokémon speech and now "
"Um, I hate to interrupt, but shouldn't we get going?" Teddy interjected. "It sounded like we were going a long way away."
"Well, not terribly far." Kris said, attempting to calm down. Her brain was having a difficult time wrapping itself around what was going on, but she didn't want to sound like an idiot and make a bad impression on Teddy. "But it will take us a while. Do you want to ignite your flame?"
"No, I'm fine. I like it better up here." Teddy answered, snuggling deeper into Kris' coat. "Really, I have no idea why you can understand me and other humans can't. Maybe you're just special."
"I doubt it." Kris sighed, rubbing her forehead again. She'd never been able to understand any pokémon before, and it didn't look like she would get any answers as to why she could now. Either way, it was probably best for her to keep it a secret for now. Professor Elm was nice and all, but who knows what kind of experiments she'd have to go through once he got word out to the scientific community? She smiled back at Teddy, relieved at the warmth the small pokémon was giving out, and decided not to worry about it any further. It was kind of cool, being able to understand her pokémon like this.
"Well, you can understand me. That makes you special to me."
Kris' frown faded into a gentle smile. "Thanks, Teddy. And for the record, I think you're pretty special too."


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Peggy and Jerry Emerson
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Phone: 252-235-2926
Cell: 252-289-6329


text:
What does ORA mean in File Extensions?
This page is about the meanings of the acronym/abbreviation/shorthand ORA in the Computing field in general and in the File Extensions terminology in particular.
Parameter file (Oracle)
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What does ORA mean?
- ora(Noun)
- ; mouths or openings, especially of the cervix.
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"ORA." Abbreviations.com. STANDS4 LLC, 2018. Web. 25 Feb. 2018. <https://www.abbreviations.com/term/41939>.