text:
Course fees
|Tuition fee type
|Cost (per annum)
|Full time home/EU tuition fee:
|£9,250 per annum*
|Full time international tuition fee:
|£16,100 per annum
|Full-time industrial placement year fee:
|£1,850 per annum
|Full-time international placement year fee
|£3,650 per annum
All figures are subject to yearly increases.
*The Department for Education (DfE) have recently announced that they will be freezing tuition fees for the 2020/21 academic year.
About your course
Completing the BEng (Hons) Electrical and Electronic Engineering at Liverpool John Moores University will enable you to graduate with a degree-level qualification plus advanced level skills and experience that will boost your career prospects and future earning potential.
- Excellent student support from academic tutors and student mentors
- Design-led engineering curriculum emphasis, with design projects supplied by industrial partners
- Well-equipped laboratories and workshops with state-of-the-art software and excellent technical support
- Accredited by the Institution of Engineering and Technology
- Regular contributions from professional engineers and industrial visits
- Our thriving Student Autosport Society competes successfully in the Formula Student competition and electrical engineering students play a key role in developing the control systems that are crucial to the team's success
- Start month: September
- Campus location: City Campus
My time at LJMU has been both challenging and intriguing. Being at a university that gives you the best tools to succeed has only further increased my appetite to achieve my goals.
The course has exceeded my expectations. I can theoretically and practically see, understand and better solve problems related to my course. This is all due to the availability of resources and the patient approach of my lecturers.
Work-related learning
This course offers an invaluable opportunity to undertake an industrial placement after your second year. This experience cannot be underestimated as it will give you a chance to put into practice what you have learnt in the first two years, enhance your skills and provide a taste of what it's really like to work in the industry. It will also give you a head start when you come to negotiate your way around the competitive job market.
Support and guidance
Dedicated personal tutor plus study skills support.
Embarking on any degree course can be daunting, and so to help you get to know your tutors and fellow students, we organise a three-day field trip to the Blue Peris Mountain Centre in Wales in your first year. Undoubtedly you will need academic and personal support at times during your course, and for this reason you will be allocated a personal tutor with whom you can discuss course-related issues, work on a personal development plan and set your own targets.
Go abroad
LJMU aims to make an international opportunity available to every student. You may be able to study abroad as part of your degree, either in Europe or the US. You could take part in a work placement in Europe under the ERASMUS+ scheme or apply for one of our prestigious worldwide internship programmes. There are also opportunities to attend a two-week summer school with one of our worldwide partners.
Our Go Global Fund can help with costs towards volunteering, individual projects or unpaid placements anywhere in the world. With all these opportunities at your feet, why wouldn't you take up the chance to go abroad?
Find out more about studying or working abroad or email us at: firstname.lastname@example.com.
Course details
The products and services we use in everyday life would not exist unless an electrical and electronic engineer had designed the relevant parts. Electrical and electronic engineers are concerned with making our products faster, cheaper, smaller and better.
Electrical and electronic engineers are also involved in the ongoing development and production of a diverse range of products, and so companies supplying anything from bread to jet engines, from mobile phones to banking services will need their skills.
Level 4 of this BEng (Hons) course covers core engineering principles and technologies such as mathematics, electrical engineering, electronics and instrumentation, microprocessors and programming. You will also spend time completing structured design projects, which will help develop your engineering and management skills. In the second year there is greater emphasis on the application of the core principles through design.
Electronics and microprocessors are taught in the context of designing and controlling engineering systems and the mathematics course provides the essential skills to enable you to design control strategies, and supports the more mathematical modules of the programme.
During your course, you will undertake projects that both structured and less structured allowing you more freedom to design your own solutions to problems. This is supported by seminars in commercial project development, which will teach you some of the key skills needed to plan and manage a project..
The third year of the programme covers the core themes of electronics, electrical power and management and you will undertake a major individual project with an academic supervisor.
What you will study on this degree
Please see guidance on core and option modules for further information on what you will study.
Level 4
- Engineering Principles
- Microprocessors and Software
- Electrical Circuit Principles
- Digital and Analogue Electronics
- Electrical Engineering Practice 1
- Engineering Mathematics 1a
- Engineering Mathematics1b
Level 5
- Digital and Embedded Systems
- Electric Machines
- Linear Electronics
- Control System Design and Analysis
- Electrical Engineering Practice 2
- Applied Instrumentation
- Engineering Mathematics 2
Sandwich degree:
- Year-long placement
- Year Abroad
Level 6
- Automation
- Signal Processing
- Power Electronics, Drives and Systems
- Process Control
- Engineering Project
- Industrial Management
Further guidance on modules
The information listed in the section entitled 'What you will study' is an overview of the academic content of the programme that will take the form of either core or option modules. Modules are designated as core or option in accordance with professional body requirements and internal Academic Framework review, so may be subject to change. Students will be required to undertake modules that the University designates as core and will have a choice of designated option modules. Additionally, option modules may be offered subject to meeting minimum student numbers.
Please see the programme specification document for further details on this course.Programme specification document (PDF)
Teaching and learning
Excellent facilities and learning resources.
Teaching is via a combination of lectures supported by small-group tutorials, plus seminars, design and building projects and laboratory work.
During your first two years, formal teaching will account for around 18-20 hours per week, and you will be expected to spend approximately 30-32 hours in private study. As you progress through the course, independent study becomes more important and so the proportion of private study time increases to around 39 hours per week.
Your lecturers
Expert tuition and support.
LJMU is recognised for its excellent record in engineering research in collaboration with industry, and with academic partners from the UK and around the world. This world-class application-oriented research and the transfer of expertise between the academic team and industry helps maintain the relevance of course materials. Many of the academic team also have professional industrial experience at senior levels; all are engaged in research or scholarship which helps maintain the relevance of the curriculum delivered.
Assessment and feedback
Assessment varies depending on the modules you choose.
Assessment is usually via a combination of exams and coursework, and sometimes by a portfolio of work, depending on the subject. A final year project gives you the chance to work independently and contributes considerably to your final mark. Your tutors will give prompt and constructive feedback via Canvas (our virtual learning environment), face-to-face or in writing. This will help you to identify your strengths as well as the areas where you may need to put in more work.
Entry requirements
Please choose your qualifications below to view requirements
Minimum points required from qualifications
Application and selection
We are looking for students who are keen to learn new skills and develop those they already possess. We want students with the ability to: be creative with ideas and concepts, moderate their creativity with logic, be enthusiastic and thirsty for knowledge, communicate effectively and confidently and understand and adapt to a wide range of issues connected with the subject. It is also important that students are able to manage time and tasks effectively as an individual and as part of a team, use appropriate sources to find and organise information and select and critically evaluate information in order to analyse problems
If you would like to develop these skills further, have a strong interest in this subject area and want to work effectively within it, then this is the course for you! International applications will be considered in line with UK qualifications.
GCSE and equivalents
- Prior to starting the programme applicants must have obtained grade 4 or grade C or above in English Language and Mathematics GCSE or an approved alternative qualification below: • Key Skills Level 2 in English/ Maths • NVQ Level 2 Functional skills in Maths and English Writing and or Reading • Skills for Life Level 2 in Numeracy/English • Higher Diploma in Maths/ English • Functional skills level 2 in Maths/ English • Northern Ireland Essential Skills Level 2 in Communication or Application of Number • Wales Essential Skills Level 2 in Communication or Application of Number
A Levels
- Minimum number of A Levels required: 2
- Subject specific requirements: Minimum of 64 UCAS points at A2-level (or equivalent) from Maths and one of the following: Physics, Chemistry, Computing, Further Maths, Electronics or Engineering.
- Is general studies acceptable? Yes
- Are AS level awards acceptable? Acceptable only when combined with other qualifications
- Average A Level offer: BBC
- Maximum AS Level points accepted: 20
BTEC qualifications
- BTEC certificate: Acceptable only when combined with other qualifications
- 90 credit diploma: Acceptable only when combined with other qualifications
- Diploma (QCF): Acceptable on its own and combined with other qualifications
- Diploma subjects / grades required: D*D* if studied on its own or To the total of 112 UCAS points when combined with other qualifications. Engineering discipline required with a Distinction grade in Further Mathematics unit.
- Extended diploma (QCF): Acceptable on its own and combined with other qualifications
- Extended diploma subjects / grades required: DMM if studied on its own or To the total of 112 UCAS points when combined with other qualifications. Engineering discipline required with a Distinction grade in Further Mathematics unit.
Access to Higher Education Diploma
- Access to Higher Education Diploma acceptability: Acceptable on its own and combined with other qualifications
- Further information: Access programme must have been taken in a relevant subject area, minimum of 24 Distinctions and 12 Merits required
International Baccalaureate
- International Baccalaureate: Acceptable on its own and combined with other qualifications
- Additional information: 112 UCAS Tariff points including a minimum score of 5 in both Maths and Physics at higher Level
Welsh awards
- Welsh Baccalaureate: Acceptable only when combined with other qualifications
Irish awards
- Irish Leaving Certificate: Acceptable on its own and combined with other qualifications
Additional entry requirement information
Please contact the University if you have any questions regarding the relevance of your qualifications.
No interview required (UCAS application form only)IELTS
6.0 (minimum of 5.5 in each component)Can this course be deferred?
YesIs a DBS check required?
NoIs RPL accepted on this programme? International requirements
Please Note: All international qualifications are subject to a qualification equivalency check via NARIC.
Finance and fees
Find out more about the student funding that you may be eligible for from either LJMU or the government. This section will give you information about grants and loans as well as targeted support for students with children, adult dependants or those with a disability.
Please note that the amount of money you will receive as a student is dependent on where in the UK you normally live (i.e. England, Wales, Northern Ireland or Scotland).
The information below relates to the 2019/20 academic year as the Government has not yet released information for 2020/21. As soon as this is available, we will update these web pages and associate information.
LJMU scholarships
LJMU's scholarships are open to all new full-time Home and EU undergraduates that are liable to pay tuition fees. These awards are not income assessed, they are based on excellence. If successful, you will be awarded a scholarship for each year of your course subject to satisfactory progress. In 2019/20 scholarships are worth between £1,000 and £10,000 per year. The money you receive doesn't have to be paid back.
LJMU bursary
The LJMU bursary is automatically paid to eligible students – you do not need to apply for it. In 2019/20 the annual bursary is £500, which works out at £1,500 over a three year degree.
LJMU bursaries are means-tested and you don't have to pay them back; they are intended to help you meet some of the costs associated with being a student.
Tuition fees
In 2019/20 the annual tuition fee for full time, undergraduate, home and EU students is £9,250. You will be charged a fee for each year of your course. The University reserves the right to increase fees up to the maximum permitted by law or government policy in the second and subsequent years of your course. Generally, these fee increases are linked to RPIX inflation (Retail Price Index excluding mortgage interest payments).
The important thing to remember is that you don't have to pay your tuition fees upfront - subject to meeting eligibility criteria, you can take out a tuition fee loan for each year of your course.
You can also take out a maintenance or living cost loan for each year of your course to cover your living expenses, such as rent and food.
You don't start repaying your student loans until after you've left university and start earning at least £25,716**.
For more information on eligibility and tuition fee loans, go to:
LJMU is committed to ensuring that students understand the full cost of studying at the University. Your tuition fee will cover or contribute to, as appropriate, expenses associated with your core modules, including:
- safety equipment, such as lab coats and goggles
- uniforms for nurses, paramedics and other professional placements
- UK field trips and other educational visits
- student exchanges
- DBS checks (Disclosure and Barring Service – formerly CRB)
- Professional sector regulatory body membership
** Repayment threshold for students normally resident in England and Wales.
Living expenses (maintenance) loan
In addition to your tuition fees, eligible full-time undergraduate students can also apply for a maintenance loan to cover living costs. If you're eligible, you can take out a loan for each year of your course.
The amount you'll receive will depend on where in the UK you normally live and your household income. This money will be paid into your bank or building society account in three instalments and it's up to you to budget for your living costs.
Part time students starting in 2018 or later can also apply for a maintenance loan.
For more information on student loans, go to: www.gov.uk/studentfinance
Paying back your student loans
You only start repaying your student loans the April after you have graduated or left university and start earning £25,716* or above. Repayments are based on a percentage of your salary not how much you have borrowed from the Student Loans Company. Repayments are currently set at 9% of any income over the threshold (which is currently set at £25,716).*
* Repayment threshold for students normally resident in England and Wales.
Career prospects
Electrical and electronic engineers make up one of the largest branches of engineering professionals.
Electrical and electronic engineers are employed in almost every sector of economic activity including:
- the utilities in power generation and distribution, telecommunications, and water
- all areas of manufacturing, including aerospace, automotive, electrical and electronic equipment
- research and development
- technical services, technical sales, consultancies and government agencies
After graduation, you could expect to work as a:
- project engineer leading and managing technical teams
- product development engineer developing electrical/electronic products and systems
- power systems engineer designing managing and maintaining power distribution networks
- process engineer developing and maintaining manufacturing processes
Graduates from this programme have found employment as professional engineers across all sectors. Recent employers include:
- Siemens Plc
- British Nuclear Fuels Limited
- Jaguar
- Aero Engine Controls (Rolls Royce-Goodrich)
- Ministry of Defence
- E & I Engineering Ltd
- National Grid
CareerSmart programme
All students in their first year of study will have an opportunity to engage with the CareerSmart programme as an integral part of a core module of study. Once you have completed this, a wide range of other career-related provision and services will be available to support your development throughout your studies.
The new CareerSmart e-learning tool will introduce you to the steps involved in making informed choices about your career. It will enable you to consider your strengths and development areas, your career motivators, the options available to you and the necessary steps to take to achieve your career goals.
Professional accreditation / links
Accredited by the Institution of Engineering and Technology (IET) on behalf of the Engineering Council for the
purposes of fully meeting the academic requirement for registration as an Incorporated Engineer and partly meeting
the academic requirement for registration as a Chartered Engineer
LJMU's policy is to ensure that MEng and BEng engineering degrees are accredited by the relevant UK professional engineering institution and provide the educational base for graduates to gain Chartered Engineer (CEng) status.
Accredited MEng degrees enable graduates to gain CEng status without further study, while accredited BEng degrees will require a further period of study after graduation.
If you have demonstrated consistently strong performance by the end of Level 5, you may be offered the opportunity to transfer to the MEng programme.
Gaining professional status will be of considerable benefit to you in your future career especially if you join a multinational company and/or need to have your qualification recognised overseas.
International Scholarships
Studying at LJMU offers international students excellent value for money and the opportunity to secure an internationally-respected qualification plus outstanding career prospects.
LJMU offers scholarships for international students. The provision and range of these scholarships can change from year to year so it is important that you always check the website for the most up-to-date information. The University also accepts a range of external funding, should you be awarded a scholarship or sponsorship from elsewhere.
International Foundation Year and International Year One programmes
LJMU offers international students the option of completing International Foundation Year and International Year One programmes at the University's International Study Centre. These courses are managed and taught by Study Group, a world leader in education and training for international students – visit the International Study Centre.
English language qualifications
All international applicants must have an internationally recognised English language qualification, such as IELTS (International English Language Testing Service). Your English language qualification must have been certified within the last two years for verification purposes. LJMU will accept other UKVI-recognised English language tests providing you attain the appropriate level.
This table summarises the minimum scores required by LJMU, although specific course requirements may differ depending on the programme you want to study.
For course-specific English Language requirements, click the Entry requirements tab above.
To find out what qualifications are applicable in your country, please visit the international pages.
|Type of Programme
|International Foundation Programme
|50-57 (Min. 51 in each component for UKVI Purposes)
|Undergraduate degrees
|57 (Min. 51 in each component for UKVI Purposes)
|Not accepted
English language support to improve IELTS
If your English language level does not meet the required entry requirements for your course you may still be offered a place on the condition that you successfully complete an English for Undergraduate Study course at LJMU's International Study Centre.
Tuition fee deposits
As an international student, unless you are exempt, you will need to pay a tuition fee deposit. See further information on deposits and additional payments needed prior to enrolment.
Living Costs
When you apply for your visa or entry clearance, you will need to provide evidence of having enough money to support yourself for the duration of your programme and to pay for all of your living expenses. The good news is that the cost of living in Liverpool is one of the lowest in England, which means your money will go even further, allowing you to enjoy your student experience to the full.
In addition to academic fees, you must budget for living costs such as accommodation, food, clothing, books, local travel and entertainment. UK Visas and Immigration (UKVI) states that students studying outside London must have £1,015 per month for a maximum of nine months to cover their living costs.
We estimate that a single student living in LJMU-approved accommodation is likely to need an average of £5,000 to cover just their rent for a full academic year.
Academic Technology Approval Scheme Certificate (ATAS)
If you have applied to study an Enhanced Undergraduate Degree (such as an MEng) course at LJMU, you should check if you require an Academic Technology Approval Scheme or ATAS certificate.
You can find out more on the British Foreign and Commonwealth Office (FCO) website: www.fco.gov.uk/en/about-us/what-we-do/services-we-deliver/atas/who-atas/
Alternatively, contact LJMU's International Admissions Team for guidance. It is important to note that, if required, an ATAS certificate must be obtained before your Confirmation of Acceptance of Studies can be released to you.
Confirmation of Acceptance for Studies (CAS)
Before you can apply for permission to enter or remain in the UK under Tier 4 you will require a valid Confirmation of Acceptance for Studies or CAS. LJMU will only assign a CAS once you have satisfied the conditions of any offer made to you and you satisfy the University's obligations as a Tier 4 Sponsor. For more details, visit the international students section.
Your visa application
As soon as you have received an offer of a place at LJMU you should contact the Entry Clearance Office at the British Embassy, British High Commission or Consular Office in your own country to check whether you need a visa for entry into Britain. You are advised to do this as soon as you can as the visa application process can take a long time.
Please Note: To obtain an Entry Visa you should go to the British Embassy or High Commission in your own country, and present the following documents:
- Passport
- A valid LJMU Confirmation of Acceptance for Studies (CAS)
- Evidence of financial support for the programme
- Two recent photographs of yourself (passport-size)
- All relevant educational diplomas and certificates (as stated in your CAS)
- A declaration of your intent to return home on completion of your course of study
The university reserves the right to withdraw or make alterations to a course and facilities if necessary; this may be because such changes are deemed to be beneficial to students, are minor in nature and unlikely to impact negatively upon students or become necessary due to circumstances beyond the control of the university. Where this does happen, the university operates a policy of consultation, advice and support to all enrolled students affected by the proposed change to their course or module.
Further information on the terms and conditions of any offer made, our admissions policy and the complaints and appeals process.
The university reserves the right to withdraw or make alterations to a course and facilities if necessary; this may be because such changes are deemed to be beneficial to students, are minor in nature and unlikely to impact negatively upon students or become necessary due to circumstances beyond the control of the university. Where this does happen, the university operates a policy of consultation, advice and support to all enrolled students affected by the proposed change to their course or module.
A life-changing experience
There's so much more to university than just studying for a degree.
Take the next steps towards your future today
Still have questions?
For general enquiries, call us today on: 0151 231 5090Send us a message
Faculty of Engineering and Technology
International admissions
Applied Mathematics with Engineering
Find out more about studying for a BSc (Hons) degree in Applied Mathematics with Engineering at LJMU. Apply now to take the next steps towards your future.
BSc (Hons)
Full time
Architectural Engineering
Find out more about studying for a BEng (Hons) degree in Architectural Engineering at LJMU. Apply now to take the next steps towards your future.
BEng (Hons)
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Architectural Engineering
Find out more about studying for a BEng (Hons) degree in Architectural Engineering at LJMU. Apply now to take the next steps towards your future.
BEng (Hons)
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Architectural Engineering
Find out more about studying for an MEng (Hons) degree in Architectural Engineering at LJMU. Apply now to take the next steps towards your future.
MEng (Hons)
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Architectural Engineering
Find out more about studying for an MEng (Hons) degree in Architectural Engineering at LJMU. Apply now to take the next steps towards your future.
MEng (Hons)
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Architectural Engineering with Foundation Year
Find out more about studying for a BEng (Hons) degree in Architectural Engineering with Foundation Year at LJMU. Apply now to take the next steps to your future.
BEng (Hons)
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Architectural Engineering with Foundation Year
Find out more about studying for a BEng (Hons) degree in Architectural Engineering with Foundation Year at LJMU. Apply now to take the next steps to your future.
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Audio and Music Production
Find out more about studying for a BSc (Hons) degree in Audio and Music Production at LJMU. Apply now to take the next steps towards your future.
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Audio and Music Production
Find out more about studying for a BSc (Hons) degree in Audio and Music Production at LJMU. Apply now to take the next steps towards your future.
BSc (Hons)
Full time
Building Services Engineering
Find out more about studying for a BEng (Hons) degree in Building Services Engineering at LJMU. Apply now to take the next steps towards your future.
BEng (Hons)
Full time


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"Fire Fist", known as "Flame Star" (
As seen in the artworks, every "Fire Fist" monster has a flame which represents a monster/animal form, except "Spirit" who is a flame. Most "Fire Fist" monsters have a counterpart monster in the archetype with the same Level, ATK value and flame color. They can be seen together in the "Fire Formation" cards.
Currently only eighteen "Heavenly Spirits" and four other characters have been released.
Playing style
The first three "Fire Fist" monsters focus on Summoning Level 3 FIRE monsters, though they also have drawbacks. Their effects also indirectly support each other, making their respective Summons easier.
The monsters introduced in Cosmo Blazer have swarming effects initiated by sending "Fire Formation" Spell/Trap Cards to the Graveyard. But the support released in Lord of the Tachyon Galaxy have effects that initiate by sending not only "Fire Formation" Spell/Trap cards but "Fire Fist" monsters as well and their effects interact both the hand and graveyard. And the support released in Judgment of the Light have effects to Special Summon "Fire Fist" monsters from the deck and setting "Fire Formation" Spell cards when they are destroyed by battle ("Boar") or by card effects ("Caribou").
Rank 4 Xyz
One of the most effective ways to play with a "Fire Fist" Deck is using the Level 4 "Fire Fist" monsters and the "Fire Formation" Spells to Xyz Summon Rank 4 monsters. Using "Fire Formation - Tenki" to search for monsters such as "Brotherhood of the Fire Fist - Gorilla" or "Brotherhood of the Fire Fist - Bear", you can use them to destroy one of your opponent's cards, depending on which monster you added to your hand. Then, if "Fire Formation - Tensu" is in your hand with another Level 4 Beast-Warrior, use them to Xyz Summon a Rank 4. Another method can be through "Coach Soldier Wolfbark" when any of the "Fire Formation" Spells are available. Because the main focus of this version of the deck is focused on Rank 4 Xyz Monsters, Level 3 monsters are not necessary, though in emergency cases, "Brotherhood of the Fire Fist - Raven" is probably the only Level 3 "Fire Fist" monster necessary. Other support can include staples, "Fire Formation" Traps for supporting Beast-Warriors, "Reborn Tengu" for more Xyz Materials, "Brotherhood of the Fire Fist - Snake" for some draw power, and "Brotherhood of the Fire Fist - Dragon" for Special Summoning "Fire Fists" like "Gorilla" and "Bear" to help destroy one of your opponent's cards.
Synchro Fire Fists
With the release of "Leopard", who sets a "Fire Formation" Spell/Trap by tributing himself or another "Fire Fist" monster, and "Rooster", whom when Special Summoned by the effect of a "Fire Fist" monster, adds another "Fire Fist" monster from your Deck to your hand, and also allows you to set another "Fire Formation" Spell/Trap by tributing one you already control, many players are adjusting their deck to run a more Synchro oriented "Fire Fist" deck.
This build of the deck focuses primarily on summoning the Synchro monster "Horse Prince" by using the Tuner, "Spirit" to resurrect "Leopard" or "Rooster", then get "Rooster's" effect to add another "Fire Fist" monster to your hand, and his effect to set another "Fire Formation" Spell/Trap from your deck (If you summoned him by via "Spirit"). Or, you can use "Fire Formation - Tensu" to Summon a "Raven" after Normal Summoning "Spirit", whom will let you set a "Fire Formation" Spell/Trap from your Deck when Synchro Summoned into "Horse Prince". But keep in mind, if you decide to set a Spell/Trap and summoned "Rooster" with "Horse Prince's" effect, "Rooster" will lose timing and you cannot search.
Another option is to summon "Leopard", then tribute it to set a "Fire Formation - Tensu". If you already have a "Spirit" in your hand, summon it, then resurrect "Leopard" and Synchro Summon "Horse Prince."
You can them use "Horse Prince's" effect to summon "Rooster" or even "Hawk", whom will boost all your "Fire Fist" monsters ATK by 500.
With the release of Fire Fists' second Tuner, "Boar", you can also add in your normal Level 4 Fire Fist monsters, "Bear", "Gorilla" and "Dragon", to keep control of your opponent's monsters, Spells/Traps and being able to Special Summon more "Fire Fist" monsters while also being able to Synchro Summon into Level 8s. Boar can Synchro Summon into either "Kirin", "Crimson Blader" or "Black Rose Dragon". "Kirin" allows you to Set another "Fire Formation" Spell/Trap card from your Deck when Synchro Summoned. Also, you can add "Coach Soldier Wolfbark" to set up plays like "Number 16: Shock Master" (Traditonal Format only).
Running the Level 4s and Level 3s also still gives you the option of Xyz summoning into "Lion Emperor", "Tiger King", and "Cardinal" if you choose.
Post-Links Fire Fist
Thanks to "Crystron Halqifibrax", Fire Fists have a way to search the powerful "Ash Blossom & Joyous Spring", summoning it to their field and later returning it to the hand by using "Brotherhood of the Fire Fist - Lion Emperor". Furthermore, "Brotherhood of the Fire Fist - Horse Prince"'s restriction on summoning level 5 or higher monsters can be bypassed by Accel Summoning on the opponent's turn via "Crystron Halqifibrax"'s effect, meaning the deck can easily Synchro Summon "Crystal Wing Synchro Dragon" or "Stardust Warrior". The deck focuses heavily on level 3 monsters, though the level 2 "Red Resonator" can be played, due to being a Tuner, FIRE with 200 DEF, and able to put more monsters on the field, and the level 4 "Reborn Tengu" is excellent: as a Beast-Warrior, it will be searchable and summonable through the Fire Formations, and it can make level 6 Synchro monsters, such as the ever-so-important "Brotherhood of the Fire Fist – Horse Prince", in conjunction with Red Resonator, or be used for Link Summoning, while replacing itself.
Yugioh-card Decklists/ Cosmo Blazer Poster
- ↑ Japanese readings are given in parentheses.
- ↑ Lu Junyi's nickname is "Jade Qilin"; "qilin" is sometimes referred to as "Chinese unicorn".
- ↑ "Hien" means "flying swallow".
- ↑ Zhang Ling's nickname is "Ancestral Celestial Master".
- ↑ A "hermit" (仙) in Chinese myths is a human or monster that achieves immortality and powers second only to a god. Here it is used as a romanticized title for an "enlightened" Taoist.
- ↑ Literally "true person" and broadly "enlightened one", 真人 is the title given to this Taoist master whose surname is Luo.

subset: commoncrawl


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Mermaid in Coral
This whimsical print is from my original painting and collage. I use acrylics, inks, charcoal, and papers in my original designs to create unique one of a kind art full of whimsical imagery. My hope is to brighten your life and home with a little Bit O' Whimsey!
**Pick a 8" x 12" print matted in a 12" x 16" white mat
or 12" x 18" print matted in a 18" x 24" white mat
See additional images for details
Both are standard size and you should be able to find a frame without having to have a custom one made!
Epson Professional Matte Paper with UltraChrome Inks
Description of Print: This is a high-quality print using archival inks + paper, Print will arrive signed, titled, and securely packaged. Ready to frame Ships in 3-5 days
Follow me on Facebook or Instagram for current and up to date happenings in my studio!
www. facebook.com/bitowhimsey
Watermarks do not appear on the image.
Prints are signed and dated by me, the artist, on the back.


text:
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actually the problem is that i have to make a program for tollbooth
the format is cars passing the booth are expected to pay 50 cent toll. mostly they do but sometimes a car goes without paying. the tollbooth keeps track of the number of cars that have gone by, and of the total money collected.
i hav to use two data members one for total number of cars and the other for the total cash.
a member function payingcar() increments the car total and adds 0.50 to the cash total. anothjer member function called nopaycar() increments the car total but adds nothing to total cash.
i have to use one key to count a paying car and another key to count a non paying car. pushing Esc should cause the program to print out the total cars and total cash.
kindly guide me in these fields
1. give a hint of material of member functions
2. how to use keys for paying and non paying cars bcz i have used only numbers yet
3. what for Esc button bcz it does not appears in the editor


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Elegantly stated. And exactly what I had anticipated. Thank you, Sir.
Did you have that prepeared, or did you take the time to type all that in? Either way, it's a keeper.
Little of both. Some I copied / pasted from an earlier report I have on my website, with a few modifications.


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Cook the Book: Classic Buffalo Wings
The official position of The Great Wings Book on fresh versus frozen is: "It's a tie." While more delicate meats are adversely affected by freezing, chicken wings are indestructible.
Just as indestructible is the American appetite for this classic wings dish. There's some debate over which the Buffalo, NY restaurant first created the spicy favorite, but we can all agree that buffalo wings should be served with tangy blue cheese sauce and a heaping mound of celery and carrot sticks on the side.
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- Yield:24 wings
- For the blue cheese dressing:
- 1 cup crumbled blue cheese
- 1/2 cup buttermilk
- 1/2 cup mayonnaise
- 2 to 4 tablespoons whipping cream, half-and-half, or milk
- 2 teaspoons Worcestershire sauce
- 1/2 teaspoon salt
- 1/4 teaspoon freshly ground black pepper
- For the wings:
- 24 chicken wings
- 1 teaspoon salt
- 1 teaspoon freshly ground black pepper
- 1 to 3 tablespoons hot sauce
- 4 tablespoons unsalted butter
- 1 tablespoon vinegar, any kind
- 4 cups flavorless cooking oil
- Carrot sticks and/or celery sticks, for serving
To make the dressing, in an electric blender, place 1/2 cup of the blue cheese and all the remaining ingredients and liquefy. For a thinner consistency, add a little more whipping cream. Stir in the remaining 1/2 cup blue cheese. This can be done up to 12 hours before cooking, and then stored, tightly covered, in the refrigerator.
Cut off and discard the chicken wing tips. Cut the wings in half through the joint. You will have 48 pieces. Rub the chicken with salt and pepper. Place the hot sauce, butter, and vinegar in a small saucepan. Bring the mixture to a simmer, then set aside.
Place a 12-inch frying pan over medium-high heat on an indoor stovetop or an outdoor gas grill. Add the cooking oil. Heat the oil until bubbles form around the end of a wooden spoon dipped into the oil, 350 to 375°F. Turn the heat to high. Add half the chicken wings. Deep-fry until the wings become deep golden and the meat is cooking along the bone (cut into one with a paring knife), about 12 minutes. Transfer the wings to a wire rack to drain. Cook the second batch of wings.
Place the wings on a serving platter. Pour the butter sauce over the wings. Serve with the dressing and the carrot sticks.
All products linked here have been independently selected by our editors. We may earn a commission on purchases, as described in our affiliate policy.


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1. Be ready to forego some of your creature comforts. Ain't easy raising capital. Accumulate your cash.
2. Be ready to be disheartened and disappointed. Don't waste too much energy on it. Depression is for the birds
3. You will alienate family and friends. Don't worry about it. They'll come round when your successful and rich
4. Be methodical. Build your pyramid. The base is always wider and takes more work to build than the top.
5. If its not part of the plan and doesn't add recognizable value AVOID IT. That includes negative people, get rich quick schemes, unsolicited advise, well or ill meaning people who think they know more about how to run your life than you do and 'deals'.
6. Remember to service your debts. You don't want creditors making life complicated but you don't want to spend all your money paying debt either. Find a balance you can maintain.
7. Always remember your debts. Be it a debt for a kindness, goods or services. The friend who gave you her couch for some weeks. The vendor that let's you pay your bills a little late. You get the drift? The Favor Bank is serious business.
8. Stay in touch with positive energizing people. Its easy to retreat into your shell and sometimes its necessary but its important to stay in touch and cultivate positive progressive people who make you feel good and who you'll want to work with in the future.
9. Don't look down on the 'little people'. Learn some humility. Life is tough enough. Compassion is a healthy healing feeling.
10. Persist till you breakthrough. Believe that you can. You will
11. Live within your means. Scrutinize all gifts. You might have short term gratification but you need long term sustainability. Delay gratification.
12. Entrepreneurs are risk takers. Learn to mitigate risk. I learnt to swim at 5 by jumping into the deep end of the pool and flailing around till I got a hang of it. Nowadays I pause to make sure there's a life guard on duty and maybe ask for some basic tips.
13, Listen to your gut, your intuition your instincts. If it feels 'wrong' pass it on. Not every opportunity is the right one.
14. Know exactly what you want and keep your aim on the goal. Everything else is a hurdle to jump, move around or avoid. Prioritize accordingly.
15. You got only one person to please. That's yourself. If you can go to bed at night hungry in a strange bed yet still feel you've done a good job you are an entrepreneur.
16. Find the eye of the storm. If it passes over you grab a rock and cling on with your finger nails. This too will pass.
17. Well minded opportunism is a great asset, the Universe is conspiring with you already. If it seems right don't hesitate, GO FOR IT
18. Be kind to yourself. Self care and self love. Eat right. Exercise. And be happy.
19. Believe in something bigger than yourself.
20. Don't let anyone tell you who you are. ignore the psycho babblers.


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31 artists...31 days. Spend every day of March with me at The Altered Page to meet the 31 spotlight artists in my book The Pulse of Mixed Media: Secrets and Passions of 100 Artists Revealed. See their beautiful faces, read their 'quirky' bios written in their own words, see some of their art that led me to invite them to be a part of my book, and hear my story of what they each mean to me. Then click on over to their sites and see what they have to say about The Pulse of Mixed Media.
I am looking for my stubborn idea of beauty and often enough I find it.
That is enough for a lifetime of devotion.
When I first came upon Judy Wise's blog many years ago, I was completely mesmerized by her journal pages. Uniquely hers, they were bursting with color, drawings, text, collage, photographs, stamps, and a ton of passion. So many people journal and so many post their pages. But Judy's stand out to me as quite special and truly all her own. She still posts her pages and I still love them as much.
But Judy's blog and her art are about much more than just her journal pages. I am utterly enthralled with her abstract plaster and encaustic paintings. And I am so lucky to have one in my studio. Her book Plaster Studio: Mixed-Media Techniques for Painting, Casting and Carving, written with Stephanie Lee, has inspired me greatly. I have never met Judy but from what I can tell she is one very special person. Looking forward Judy to the days our paths cross.


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Powerful Samsung X7600GX is designed for the growing A3 printer market. It offers high-performance, cost-efficient features and embedded security to deliver low total cost of ownership for businesses that depend on high-volume printing.
[1] Message based on internal data. Actual results may vary. For more information see http://www.hp.com/go/printerclaims/samsung
[2] Cassette Locking Kit option is only available to default tray 1,2 and DCF. You need to buy 2 kits of SL-CLK501 to install at both default tray(1,2) + DCF(3,4 tray).
[3] Samsung Electronics Co., Ltd. inspires the world and shapes the future with transformative ideas and technologies, redefining the worlds of TVs, smartphones, wearable devices, tablets, cameras, digital appliances, printers, medical equipment, network systems and semiconductors. We are also leading in the Internet of Things space through, among others, our Digital Health and Smart Home initiatives. We employ 307,000 people across 84 countries. To discover more, please visit our official website at www.samsung.com and our official blog at global.samsungtomorrow.com.
[4] Copyright © 2016 Samsung Electronics Co., Ltd. All rights reserved. Specifications and designs are subject to change without notice. Non-metric weights and measurements are approximate. All data were deemed correct at time of creation. Samsung is not liable for errors or omissions. All brand, product, service names and logos are trademarks and/or registered trademarks of their respective owners and are hereby recognized and acknowledged.
[5] AirPrint is a trademark of Apple Inc. registered in the U.S. and other countries. Android and Google Cloud Print are trademarks of Google Inc. Samsung Cloud Print is either a trademark or registered trademark of Samsung Electronics Co., Ltd. Microsoft and Windows are registered trademarks of Microsoft Corporation in the United States and/or other countries.
[6] Mopria©, the Mopria© Logo and the Mopria© Alliance logo are registered trademarks and service marks of Mopria Alliance, Inc. in the United States and other countries.
[7] An FCC Class A emissions compliant device meets the less stringent (higher) levels of emissions allowed by the FCC for a product operation in a commercial environment. An FCC class A device cannot be marketed for use in a residential environment and an FCC class A device should not be purchased for use in a residential environment due to the increased risk of interference to radio communications.


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AT FIRST GLANCE, the Web site SeekingArrangement.com seems like any other dating site. Most of the men are looking for fit, sexy women, and most of the women want nice guys who can make them smile and laugh. But if eHarmony or Match.com is a chatty social mixer, Seeking Arrangement is a down-and-dirty marketplace where older moneyed men and cute young women engage in brutally frank transactions. They're not searching for longtime soul mates; they want no-strings-attached "arrangements" that trade in society's most valued currencies: wealth, youth and beauty. In the cheesy lexicon of the site, they are "sugar daddies" and "sugar babies."
There's the 18-year-old from France asking for $5,000 to $10,000 a month from "a mentor who can provide me with the finer things in life and keep me happy!" And the 49-year-old investor from upstate New York willing to pay $5,000 a month for a "daytime playmate" for "intense connection without commitment." Critics say the site is at best a convenience store for adulterers and at worst a virtual brothel, but Brandon Wade, Seeking Arrangement's 38-year-old founder and chief executive, is unperturbed by the criticism. "We stress relationships that are mutually beneficial," he says. "We ask people to really think about what they want in a relationship and what they have to offer. That kind of upfront honesty is a good basis for any relationship."
The site now claims more than 300,000 registered members, far fewer than mainstream dating sites like Match.com, which has 1.5 million paying subscribers, but still a remarkable number. Sugar babies outnumber daddies 10 to 1, Wade says, providing what one sugar daddy called "the best fishing hole I ever fished in."
This abundance of possibility is part of what the site is selling, along with fantasy. Some of these men — especially those shopping for women half their age — are digging deep into their pockets to pay for an illusion: that despite their receding hairlines and wattled skin, they're still enchanting enough to charm pretty young women. One image on the site features a dazed, graying man doted on by two barely clad attendants — a caricature of an already caricatured relationship. But this marketing spin doesn't capture the nuances of the relationships that often develop between the "daddies" and the "babies" who meet on the site — relationships that can turn out to be more complicated than even the members themselves expect. Men may use money as a way to buy themselves out of the normal obligations of romance, like accommodating a woman's emotional needs as much as their own. But despite the power and security that the money buys, it can also undercut the very ego it's intended to boost.
Consider B. K., a fit finance executive in his early 40s, who, last October, began "dating" a 20-year-old engineering major at a college 90 minutes from his house. Like nearly half the sugar daddies on Seeking Arrangement, B. K. is married. (Neither B. K. nor any other user of the site would allow full names to be published — certain the revelation would infuriate wives or boyfriends, shock colleagues and repel friends or family — and agreed to use only their first names, nicknames or initials.) B. K. and his wife opted against separation, for the sake of the kids, and for now, they have a policy — at least in his mind — of don't ask, don't tell. Between pangs of guilt about cheating, B. K. views his secret dallying as a safety valve, letting him feel desired so he can return home and appreciate the many things he loves about his wife, even if they don't include giving him the attention he wants.
And so, nearly each week, B. K. gets together with Lola, the young woman he met on the site, for a meal or a gym workout and a few hours at a hotel outside the Western city where he lives. Their visits are generally no longer than four or five hours because Lola, a senior, has a full course load and also works 40 hours a week at two low-wage jobs. With no money from her parents, she was frank in her Seeking Arrangement profile, saying she needed "immediate financial assistance." In B. K., she gets that in the form of $100 or $150 stuffed in her bag each time they meet. He feels good about helping her with her tuition, encouraging her studies and romancing her, albeit in hotel rooms. Most of all, he's grateful that she doesn't want a commitment. At least he was at first.
"It's very clear with this site that she's getting something out of this, hopefully emotional support and mentoring advice and fun in bed, but also something financial, so don't come back to me and say that you were used or that I left you high and dry," he said. "I like that aspect of it, but on the other hand, it would be nice not to have the money involved, because you always wonder: would she still want to be with me even without the money? Does the money make me more attractive than I really am?"
ABOUT 30 PERCENT OF ARRANGEMENTS on the site involve the daddy paying an "allowance," usually a thousand or two a month, though the site claims some reach $10,000. The rest provide the baby with incidental cash, shopping sprees, gifts, travel or the fleeting illusion that theirs is a high-end, easy life. "I get flown to whatever city I want," wrote a North Carolina college student, who goes by the name gurlnextdoor on the site's blog, a mix between an online support group and a kaffeeklatsch. "He pays for it, takes me shopping, we talk, laugh, go out to eat and do whatever we want to do for our days together. . . . I don't bring up mundane problems about my home life, and he does the same. . . . If I wanted someone to talk to about my life problems, I'd get a boyfriend or a therapist."
Like B. K.'s companion, Lola, many women on the site are in their 20s, though plenty of others are in their 30s, 40s and 50s. Some are looking for attention, some have financial problems and some are seeking refuge from romantic pain. On the blog and in conversations with me, still others said benefactors provide a way to get the extras they want — the Fendi bags, the to-die-for shoe collection or the breast enhancement. A surprising number of babies say on the blog that they don't need the money at all, either because they have decent-paying jobs or bottomless credit cards from their parents. What appeals to them about the arrangements are the expensive gifts — "I just LOVE being spoiled," gushed one 19-year-old woman on the blog — because those gifts make them feel valued, as if the money spent measures just how desirable they are.
Other women on the site would happily forfeit conspicuous prizes and go for the cash instead, especially for tuition. One woman's profile says, "That you can help me get through school and achieve financial stability through support and mentoring is more important than wowing me with diamonds and Prada." In fact, Seeking Arrangement pays to have its ads pop up on search engines whenever someone types in "student loan," "tuition help," "college support" or "help with rent." Lola was one of many to stumble on the site that way, when — behind on her rent and tuition and down to one meal a day — she Googled "student loan." What popped up was hardly what she expected, but she was willing to try almost anything to stay in school.
Her first sugar daddy, a man in his early 50s, turned out to be a terrible kisser and too dominating in bed. "I had to grit my teeth every time we met," she told me. In four visits, she earned $550, enough to cover the rent, and then dropped him. A month later, she connected with another sugar daddy, a man in his late 50s who lived in Louisiana. The only thing he wanted, he told her, was that she do well in school. He insisted she send her transcript, and once satisfied, he sent her nearly $500 a month. Though they never met, never even talked on the phone, he wrote her long letters by hand encouraging her studies and advising her on finances and sent her novels, newspaper clippings and a J. K. Rowling commencement address for inspiration. He never once mentioned sex.
Six months later, the man in Louisiana had to cut back on expenses, so Lola began looking for a new source of income to supplement the $8 an hour she earned working in a lab and the cash she picked up cleaning houses and selling her plasma. Last October, Lola and B. K. had their first date.
Though petite, Lola seems older than she is, maybe because she is so matter-of-fact in her manner. On the day I met her, on her way to meet B. K., she was wearing jeans, a striped T-shirt and no makeup. Her hair was pulled back, no-nonsense style, making her look more as if she were about to go camping than rendezvous with her sugar daddy. She brought along a textbook and her GRE vocabulary flashcards, in case B. K. was late.
"At first, it was a job, then it became a pleasant job and then it was getting together with a friend," she said, describing her relationship with B. K. "With him, I don't feel like a prostitute, though maybe I am. It's not just the sex with us. We care about each other, we talk, there's a connection, not just business."
Whether sugar relationships amount to prostitution is hotly debated among the site's members. "Let's get real here," wrote GoldenGate on the blog. "I'm with a guy who's old enough to be my dad, short and balding. Not to mention his other shortcomings, ahem. But he gives me a great big fat allowance every month. If that wasn't there, we wouldn't be together."
Others on the blog were shocked, saying they could never be with a man, even a rich one, if they weren't somehow attracted to him. Indeed, most go to considerable effort to distinguish between "sugar" and prostitution. (Legally, at least, they are right; since the 1970s, courts have ruled that as long as the woman is paid for some service besides sex — housecleaning, companionship — the arrangement is not the equivalent of prostitution.) They say being a sugar baby is no more an occupation than dating is, especially when the goal of dating is to find a rich boyfriend or a wealthy husband. They routinely turn down creeps interested in nothing but sex.
Some sugar babies also insist that wives who stay in miserable marriages for an American Express black card, mansion or country-club membership are more like prostitutes than they are. And yet the blatant financial transactions leave many uneasy. Even Seeking Arrangement's chief executive uses a fake name — his legal one is Brandon Wey — partly because he's afraid his association with the site might dampen his chances of raising capital for a more mainstream enterprise in the future and partly because he thought the name Brandon Wade sounded more Hugh Hefneresque.
In interviews and on the blog, the site's members parse the nuances of the sex and money transactions. "I read on a post about asking 10k if you're model material . . . so because I ask for so little, am I 'on sale'?" wrote one woman. "I don't think I can accept more than 1k a month plus gifts, because then I will start feeling compelled to do ANYTHING for him."
E. C., a 23-year-old sales-and-marketing coordinator in Toronto, says she already earns $40,000 a year as well as commission and the use of a company car. But having grown up in a wealthy family, her current salary doesn't allow her to live in the manner to which she's accustomed. So E. C. dined with a banker from the site who was charming and attractive. His breath, however, was so bad she decided he wasn't sugar-daddy material.
Then she met a charming 43-year-old businessman from the site with nice breath. She tried to steer their conversations to the question of an allowance, unsuccessfully. On their third date, they slept together. Afterward, she was glad no money had changed hands. "If he'd given me money after that, I would have felt he was paying me for the sex," she said. "And if he'd paid me beforehand, I would have felt I owed him something, and the whole thing would have gone from charming to being bought." Instead of paying her, he takes her to swank restaurants and penthouse suites in Niagara Falls. "He shows me off to the whole place, and it makes me feel good."
Her parents, she added, would be appalled if they knew she was on such a site — except if they thought it increased her chance of meeting an eligible and rich young doctor.
MOST PEOPLE WOULD LIKELY BE appalled to learn that a daughter — or father — was using SeekingArrangement.com. Beth Bailey, a Temple University historian of courtship, said that her first reaction to the site was "revulsion." But when she reconsidered it within the historical context of dating, she had a somewhat different response.
Heterosexual relationships, including marriage, have long involved economic transactions, but Bailey points out that when men provided financial security, they traditionally did so in exchange for a woman's sexual virtue (and potential to bear and rear children), not for sexual thrills. For that, they often turned to prostitutes and mistresses, involving a more frank money-for-sex exchange. It's only in the last century that money has been traded — albeit indirectly — for sexual attention from "respectable" unmarried women. In the early 1900s, courtship shifted from girls' porches or parlors to a commercial venture: a date. Etiquette manuals of the time were explicit — boys were to pay for meals, entertainment and transportation, and in return, girls were to provide well-groomed company, rapt attention and at least a certain amount of physical affection. His money bought not only companionship but also her indebtedness.
"It made a lot of people uneasy, because if men's money was central to the dating relationship, what distinguished it from prostitution?" Bailey says. Seen in this context, Bailey argues, Seeking Arrangement "is a piece of contemporary society. It's simply more explicit and transparent about the bargains struck in the traditional model of dating."
Though one-quarter of the site's sugar daddies (including married ones) are looking for male "babies" and 1 percent of the site's members are "sugar mommies," they still tend to fall into traditional roles, where the one who is paid supplies sex, admiration, comfort and the kind of status conferred by any other expensive consumer good. The "baby" is the one who regulates her appearance, schedule, behavior and emotions to make the payer feel special.
Still, a 22-year-old named Mercedes told me, "I don't see how people can view this as exploitation." Mercedes is a junior who pays her own tuition at a Georgia university. She has had six sugar daddies in the past year to supplement her wages busing tables and washing dishes at a bar. "I could go out and work three jobs and still go to school and probably make decent grades, but is that really what I want to do? I make more money this way, and I have a lot more fun because I get to go out to concerts, go shopping, see movies and make money off of it. If instead of this I was just dating a rich guy, it'd be almost the same thing, and society wouldn't look down on that. You know with a sugar daddy that they're spending a lot of money on you and they clearly want something in return, but is that really any different than how it is with a boyfriend?"
BRANDON WEY GOT THE IDEA for the site from his own dissatisfying love life as an M.I.T. student and then as a well-off but awkward tech executive. Traditional dating Web sites were no help. "It was difficult to advertise the assets I had compared to hundreds of thousands of guys who had better looks or better pickup lines," says Wey, now married to a woman 13 years younger than he is, whom he met before the site went live. "I needed to find a way to put myself at the front of the line."
Wey unveiled SeekingArrangement.com in 2006 and aimed to keep the site well stocked for his wealthy customers. Babies can join free, while daddies pay $44.95 a month — and an optional $5 to ensure the site's name doesn't show up on credit-card statements. For another $1,200 a year, a sugar daddy can become a Diamond Club member, with his income and net worth verified and his profile featured at the top of the home page.
B. K. joined the site about a year ago, swapping flirtatious e-mail messages with potential sugar babies, taking a few out to dinner and romancing one for a few months before he found Lola. He was drawn, he said, to her independence and intellect, her humility, her academic determination and, of course, her looks. He loved their time together — dancing, snuggling, the whole bit — and, at times, feared he was falling in love.
From the start, Lola was clear that her heart lay elsewhere. Her boyfriend of four years lives 1,000 miles away, and though they see each other only a few times a year, Lola maintains that she is deeply in love with him. When B. K. asked Lola what gift she wanted for Christmas, she demurred, but when pressed, she asked if he would pay for plane fare to visit her boyfriend. B. K. said yes — and felt great about it. "Isn't that what love is?" he told me later. "It's not about trying to own someone."
While Lola was gone, B. K. sent her e-mail and text messages virtually every day but heard nothing back. Pining, he began trolling the site, window shopping, and noticed Lola had logged on. He feared that she was looking to replace him. "I was like, What the hell is this?" He e-mailed her, asking why she was on the site, but got no answer. "Maybe I'm the needy one," he mused. He wondered if Lola was trying to end their relationship or if her boyfriend had found out. "The no-strings-attached assumption is hard on my heart sometimes, but I don't think she will just disappear."
RELATIONSHIPS BETWEEN RICH men and kept women have been around for a very long time, of course, but the Internet makes hunting for such arrangements easier. Quickly and privately, a well-off man can find a young woman wherever in the world he wants. And he can find someone who fits his needs, however unconventional they may be.
One sugar daddy whose screen name is Sam has tried long-term girlfriends, mistresses, prostitutes and a brief marriage. Now single, the 39-year-old entrepreneur has found the arrangement that suits him best: a monogamous business-associate-with-benefits deal in which he pursues an entrepreneurial project with a young, beautiful, intelligent woman. He provides financial backing, mentoring and networking; she provides sex, fun and, inevitably, a bit of worshiping, all of which make him feel virile and influential. In between vacations using his private jet, both work hard on the project. They don't tend to see each other much, as he travels frequently for his work.
Sam's profile on Seeking Arrangement is audacious. He advertises for a woman who is "drop-dead beautiful, sexy, fun and elegantly mannered in a fancy setting. She must turn heads . . . and make me the envy of the crowd." He wants no tattoos, no cosmetic implants, no vegetarians and no Gen Yers who begin their e-mail-message sentences with lowercase letters.
When I asked to chat in person, Sam suggested meeting at CORE, a private Manhattan club where membership is by invitation only and costs $65,000 the first year and where Sam's assent was required before I could be admitted. Sitting alone at a long conference table in a room set aside for him, he looked utterly unremarkable, a man of average height with a buzz cut and an aloof air. But once Sam got talking, he became affable and witty, especially as he described his unorthodox history with women. He started college when most kids his age were still in middle school. "When you go to college at that age, you're pretty undatable," he said. "I was somewhere between a curiosity, a mascot and a friend. I tutored freshman physics and calculus so I could at least be near women. Of course, all they'd do is talk about their boyfriends."
He has an almost mathematical approach to assessing relationships, and once even computed the costs for a girlfriend, mistress, prostitute and wife — mistresses turn out to be most expensive by the hour; wives, by the year; girlfriends are cheapest all around. But he's not as calculating as he seems. In fact, he concluded there's little correlation between cost and quality. Still, he is relentlessly searching for an algorithm that will predict relationships' success.
Sam is also more determined than most to try separating a sugar baby's affection and the money she's paid to provide it. In his arrangements, he says, he establishes a trust in the woman's name that pays a monthly stipend of at least $5,000 for the length of their contract. If the woman decides to quit sleeping with him at any point, he may quit serving as adviser and pamperer, but the stipend continues regardless. "If I didn't do that, then it's like a leash I'm putting on somebody, and that seems really unfair," he said. "Besides, then I'd never know what the relationship was really about."
Sam runs these relationships with an explicit business plan, a set budget, measurable goals and quarterly reviews. From the outset, the contract has an end date. It's a brilliant, if contrived, way to protect his pride. The contract specifies that the romance and sex are to end by the preset date, so there's no break up, no rejection, no bruised ego. She's not dumping him; the gig's just over.
He was involved in three relationships this way, helping the women establish a school overseas, start a tech company and help run a nonprofit, he told me. He declined to put me in touch with the women but said each had been successful. He is like Pygmalion, smitten with his own creations.
He found those three women through word of mouth, long before he discovered Seeking Arrangement and its rush of possibilities. Between November and shortly after I met him in mid-January, he had winnowed down 140 candidates to four finalists. "It feels so good to have so many people paying attention to me," he said. He met all four, interviewed them extensively, coached them on their business plans and took two of them on multiday outings. In each case, he told them he preferred to put off sex until he'd settled on a candidate, though he did end up sleeping with one of them — but only, he says, because she so aggressively pursued him.
NOR ARE MEN THE ONLY ONES seeking relationships within particular parameters. A. B. was 18 when she first went on the site, in 2006, looking for extra money. She had started college at 15 but quit when her money ran out. She was soon contacted by a well-to-do, married filmmaker whom she liked immediately. He encouraged her ambition to become a professor of art or philosophy. For a few months, they saw each other frequently, visiting museums, discussing Camus and Nietzsche, taking in films, sharing their poetry and artwork and sometimes romping in bed. He gave her $500 each time they met, whether or not they had sex. In between visits, he sent her money for art supplies. He said if she got a part-time job, he'd pay the tuition and living expenses she couldn't cover.
Ecstatic, A. B. re-enrolled at her Southern college. Her sugar daddy flew her up to Pennsylvania to meet him a few times. But he became increasingly peeved that she also had a boyfriend at school. And though her boyfriend understood why she was in a relationship with a sugar daddy, A. B. felt compromised, as if she were leading two lives. She ended that Seeking Arrangement relationship.
About two years later, A. B. met another sugar daddy from the site, a single father who seemed pleasant enough but unlikely to entangle her emotions. Still, after a few visits, he wanted nothing but sex, so she stopped seeing him.
"When these sugar-daddy relationships go the way I think they should go, the lines are pretty blurry between that and a typical boyfriend-girlfriend relationship," she said. "And when they go the way I don't think they should go, the lines are blurry between that and sex work."
In February, A. B. met a third benefactor. This one was a pleasant and clever psychologist in his 40s. He flew her to San Francisco. They went to jazz clubs and a tony restaurant, talked about philosophy and shared a bed but stayed on their own sides all night. But the next night, after they'd both been drinking, he pressured her into forgoing a condom during sex. "I yielded because I thought that if he came away from the weekend having enjoyed himself, he would be more likely to want to see me again and want to support me," she said. The experience soured her on flagrantly transactional relationships, because she realized the power dynamic would always be lopsided. She is done being a sugar baby, A. B. said, even if it means delaying her education even longer.
AT TIMES, B. K. DEBATED WHETHER to turn off his Seeking Arrangement profile to honor his relationship with Lola. But whenever communication from her would go dark for a few days, he was glad that his profile was still active. The e-mail messages he got from women were an ego balm. After all, it's not often a man in his 40s is wooed by a former surfer in her 20s or a 26-year-old model looking for the "finer things in life."
During the two weeks over Christmas that Lola was incommunicado and B. K. worried that he'd just been dumped, he received a suggestive note from a woman close to his age from another state. She sent him long enticing messages, which boosted his morale. Unlike Lola, she was mercurial and dramatic, and he was drawn by her damsel-in-distress air. He loved feeling like her savior. Neither Lola nor his wife seemed to need saving, just help with tuition (in Lola's case) or with kids and chores (in his wife's case).
Everything about the woman seemed enticingly dangerous, and B. K. became obsessed with her and told me their interactions were like the "thrill" of running through a burning building and making it out alive. And then it imploded: a combination of hotheadedness, different politics and her resentment that he wouldn't pony up a regular allowance.
By then, Lola was back at school. She said she'd been out of touch during her visit with her boyfriend because her cellphone battery died. She told B. K. she hadn't bought a charger because she was out of money, even using Target gift cards she received at Christmas to pay for groceries. She reassured him that she wanted to keep seeing him but also reminded him that she had several looming deadlines at school and at the lab where she worked. Delighted that she was still in his life, B. K. turned off his Seeking Arrangement profile. But with Lola's packed schedule, their visits dwindled to every other week. It took days for her to respond to his e-mail messages. Even a text message he sent asking "Are you O.K.?" went unanswered for days.
Eventually, she e-mailed him in her typically even-tempered way: "I am all right. When I don't respond it means I don't have time at the moment and then I forget because I'm running from one place to the next."
Restless, B. K. switched his profile on. He got a Seeking Arrangement message from a graduate student in her mid-20s who lived just 10 miles from his office. They met for a quick coffee, long enough for the woman to grab B. K.'s hand and put it on her ripped abs, just to show him what she was made of. He was thrilled by her aggressiveness. Afterward, when he suggested by e-mail that he could pay her $1,500 a month, she objected that she was worth much more. He decided to play it cool and wait for her to come begging.
And then in the midst of all that, he got a message from Lola that she could meet him the following Sunday afternoon, after a study session. Upon getting her note, his message to me was effusive: "YAY!!! I'm almost giddy like a schoolboy!!"
When they finally met in late February, B. K. asked Lola more about her boyfriend than he ever had before. Lola told him she loved her boyfriend and that she hoped he would propose after she graduates later this year. Once engaged, she added, she would stop being a sugar baby. B. K. felt devastated.
Lola seemed particularly tender in that meeting, he told me. Moved by his deep affection for her, B. K. offered her an extra $200 to see her boyfriend over spring break. Afterward, he was scared he would soon lose her and also scared at how much his feelings for her had intensified. If she asked him to leave his wife, he told me, he would seriously consider it.
In the days after their meeting, B. K.'s moods shifted rapidly; he was dreamy one minute, testy or melancholy the next. Then, after weeks of silence, the graduate student with the taut abs e-mailed him, and they agreed to meet at a local bar. "I may be a fool for love, but I'm also practical," he said before going to meet her, adding that, then again, "maybe I am just a big wallet, and I'm getting played on all sides."
On a weekday evening, B. K. sat in a back booth, waiting for his new potential sugar baby. She showed up in a tight, low-cut blouse and scooted up next to him, he told me, purring that it had all been a misunderstanding and that $1,500 a month would be just fine. To his delight, she said none of the other men on Seeking Arrangement had impressed her the way he had. B. K. explained that his current sugar baby might soon get engaged and disappear from the scene. At that point, he assured her, he would want to pursue things. She snuggled in closer and told him that she would wait. And then she started kissing and nibbling on his ear.


text:
Danny Boyle knows how to engage you. He knows, more than most other directors, how to scoot your butt to the edge of the seat, whiten your knuckles as they grip the armrest and give you a stress headache from furrowed brows. The man just keeps pushing it higher, faster, and closer to the edge. What edge? Any edge - that's the kicker - you don't know where the edge is or where it's coming from. It could be around the corner or RIGHT THERE. Seriously, you could fall at any moment.
Sunshine is a perfect heart pounding pulse kicking, monster mouth drying example. The stakes? Only the planet and all mankind. The risk? Dying alone in space in a myriad of painfully awful ways including murder and knowing in your last moments that history died with you.Continue Reading


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MORGANTOWN, W.Va. (June 6, 2011) – With two rounds down in the 2011 Lucas Oil AMA Pro Motocross Championship, only one rider has stood atop the overall podium. TwoTwo Motorsports/Bel-Ray Racing's Chad Reed sits atop the 450 Class standings, carrying a two-race winning streak into Saturday's Rockstar Energy High Point National presented by Centra Bank in Mt. Morris, Pa. After a weekend off, the world's best riders are eager to take to the track, and continue the intense competition that has characterized the summer so far.
Reed's biggest challenger to this point in the 2011 season has been defending champion Ryan Dungey. At the previous round of the championship from Wortham, Texas, Dungey appeared to be on his way to capturing his first win of the season for Rockstar/Makita Suzuki. However, misfortune struck in the final moto as Dungey ran out of fuel with two laps remaining, allowing Reed to assume the lead and sweep the day's motos.
Now, Reed holds a 21-point advantage over Monster Energy Kawasaki's Ryan Villopoto, who has posted back-to-back podium efforts to start the season, with Muscle Milk/Toyota/JGR's Davi Millsaps in third. After his heartbreak in Texas, Dungey currently occupies fourth in the standings, 28 points out of the lead. With sole possession of the red number plate, signifying his position as the 450 Class points leader, Reed heads to the site of his first career victory in the premier division in 2009.
After a highly-competitive opening round, the 250 Class also featured a to-the-wire battle for the win in Texas. After a pair of grueling motos dominated by the Monster Energy/Pro Circuit/Kawasaki team, South African rider Tyla Rattray secured his first win of the season. Behind him, his teammate and Scottish-born rider Dean Wilson grabbed his second consecutive runner-up result and now sits atop the standings for the first time in his young career. So far in 2011, only Mitch Payton's Pro Circuit riders have taken the checkered flag, and they will look to continue the dominance this weekend.
High Point Raceway is an iconic piece of American Motocross history. Since hosting its first race in 1976, the facility has become a staple of the Lucas Oil AMA Pro Motocross Championship and has produced some of the most memorable races throughout the illustrious history of the sport.
Last season at High Point, Ryan Dungey headed to Mt. Morris fresh off his first career 450 Class victory. He posted a dominant effort in front of thousands of fans to win for the first time at the facility and move into the championship lead, which he held throughout the remainder of the season. In the 250 Class, Tyla Rattray used a pair of determined moto efforts to capture his first career overall win on U.S. soil.
The promoters of High Point Raceway are once again pulling out all the stops in the development of the layout for 2011. The Rockstar Energy High Point National marks the East Coast debut of American Motocross this summer and enthusiasts can count on seeing the intense air time, and ever-changing track conditions that have helped High Point Raceway become a favorite amongst riders and fans alike. As the finishing touches on Saturday's track take place, fans can expect to see more spectacular racing than ever before at one of the sport's most popular circuits.
The on-track action for the Rockstar Energy High Point National begins this Saturday at 8:30 a.m. EST with practice and qualifying. Opening ceremonies begin at 12:30 p.m. EST with motos kicking off at 1 p.m. EST.
Previous Round Results and Current Standings
Rockstar Energy Freestone National
Freestone Raceway – Wortham, Texas
May 28, 2011
Round 2 of 12
450 Class (Moto Finish)
- Chad Reed, Australia, Honda (1-1)
- Davi Millsaps, Murrieta, Calif., Yamaha (4-2)
- Ryan Villopoto, Poulsbo, Wash., Kawasaki (3-5)
- Brett Metcalfe, Australia, Suzuki (9-3)
- Ricky Dietrich, Menifee, Calif., Yamaha (8-4)
- Jake Weimer, Rupert, Idaho, Kawasaki (6-7)
- Christian Craig, Hemet, Calif., Honda (5-8)
- Ryan Dungey, Belle Plaine, Minn., Suzuki (2-25)
- Andrew Short, Smithville, Texas, KTM (15-6)
- Nick Wey, Dewitt, Mich., Yamaha (10-11)
450 Class Championship Standings
- Chad Reed, Australia, Honda – 97
- Ryan Villopoto, Poulsbo, Wash., Kawasaki – 76
- Davi Millsaps, Murrieta, Calif., Yamaha – 72
- Ryan Dungey, Belle Plaine, Minn., Suzuki – 69
- Brett Metcalfe, Australia, Suzuki – 64
- Ricky Dietrich, Menifee, Calif., Yamaha – 53
- Christian Craig, Hemet, Calif., Honda – 47
- Kevin Windham, Centreville, Miss., Honda – 45
- Jake Weimer, Rupert, Idaho, Kawasaki – 44
- Tommy Hahn, Decatur, Texas, Yamaha – 40
250 Class (Moto Finish)
- Tyla Rattray, South Africa, Kawasaki (2-1)
- Dean Wilson, Scotland, Kawasaki (1-3)
- Kyle Cunningham, Aledo, Texas, Yamaha (3-4)
- Justin Barcia, Ochlocknee, Ga., Honda (9-2)
- Eli Tomac, Cortez, Colo., Honda (5-6)
- Martin Davalos, Ecuador, Suzuki (10-7)
- Matt Lemoine, Collinsville, Texas, Kawasaki (8-11)
- Cole Seely, Newbury Park, Calif., Honda (14-8)
- Blake Baggett, Grand Terrace, Calif., Kawasaki (7-16)
- Gannon Audette, Cain, Ga., Yamaha (12-12)
250 Class Championship Standings
- Dean Wilson, Scotland, Kawasaki – 90
- Tyla Rattray, South Africa, Kawasaki – 85
- Eli Tomac, Cortez, Colo., Honda – 69
- Blake Baggett, Grand Terrace, Calif., Kawasaki – 66
- Kyle Cunningham, Aledo, Texas, Yamaha – 64
- Justin Barcia, Ochlocknee, Ga., Honda – 52
- Gareth Swanepoel, South Africa, Yamaha – 46
- Martin Davalos, Ecuador, Suzuki – 44
- Cole Seely, Newbury Park, Calif., Honda – 42
- Broc Tickle, Holly, Mich., Kawasaki – 38
For more information on the 2011 tour, please log on to www.allisports.com/motocross.


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November 28, 2005
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Moose bites can be pretti nasti. Or so I've heard.
Comment first?
Monkey(shines) bites can be pretti nasti, too.
"cow moose" - that's funny, that's what I call my mother-in-law (but not to her face).
what? it's a term of endearment. really
Okay, not first.
Wanders off muttering to self about spam blockers.
Cow moose? Not moose cow?
BJ: I was nowhere near Hilton. I'm not that kind of monkey.
Is it that hard to keep track of a moose wandering through town? You'd think people would be pointing, going "there it is! There it is!!"
Silly Tamara! It would be mean to call her moose cow!
URBAN Moncton?
slyeyes - me, too! 'Urban Moncton' is funnier than 'cow moose.' Is that Central Park in the picture? I believe City Hall is a block west of the frozen tundra.
Sly, me three. we need Somewhere North to explain this to us.
Wildlife Hijinks in Canada. Take that Mysore!
*wanders off humming a rousing chorus of Oh Canada because she forgets the words*
I spent a night in Moncton once. We stayed at the "Inn at the End of the Earth". A young female mouse would cause a lot of excitement. Probably the most excitement in years I assure you.
"A young female MOUSE"? Just how bored are these people?
Annie- how bored? This IS the nation that invented curling, you know.
Oh, Canada
Where moose go for a stroll
Who knew Bullwinkle's mom
Was not in our control?
Land of errant meese
And Canadian geese
And Ms. Anderson (that's Pam)
And for all of these
The RCMPs
Will re-route them for free!
Re: Ms. Anderson: I thought you meant POLLY Anderson. Canadian's, what's the name of that guy who tells the hysterical story of Polly Anderson's Christmas?
slyeyes, when you say 'hysterical', is that Canadian hysterical or truly hysterical?
A moose once bit my sister...
No, really!
Annie, it was pee-in-my-pants hysterical.
The guy's name was something Stewart or Stewart something.
Stewart McLean. I heard it on this Christmas CD of Canadian artists. I recommend it.
Aunt Nancy, was she at a zoo?
Moose in Moncton,mice in Halifax,goats in Montreal,fleas in Ottawa,Canada's going to hell right under their noses.Do they care? The PETA people have won the day,and it serves them right.
Pretty soon they'll be advocating wolf packs in Vancouver to keep down the traffic.
*Pictures a bionic cyber-wolf capable of taking out whole lanes of SUVs during evening rush hour*
And if you look at the image in this link long enough, you begin to see Sasquatch!
So what's the big deal? Moose live in Canada ... (and other places, of course) ... why are these people surprised to see a moose?
... um ... BTW ... the Scots invented curling ... the Canadians adopted it, and became superlative at its finer points ... then a bunch of other nations got jealous of the Canadians always winning the Silver Broom, and they all got better at it too ...
I dunno what this says about excitement levels in Canada ... or in other countries ... (I like curling ... I was sorta fair at it, once upon a time ... long ago ... in another century, in another millenium ... but they've spoinled it now, with the little "scrubber" brooms ... curlling should have the booming rhythmic sounds of a broom slapping the ice ... end of rant ... eh?)
Try, "Spoiled" ...
But, the little "scrubber" brooms are the only thing I can sort of pretend to like about curling. Otherwise, it's just things sliding on the ice.
But maybe I don't fully understand it's intricacies, but isn't it a frozen version of bocce ball?
*wants to go back and retrieve a couple of "buts"*
reminds me of an SNL skit entitled "Disney on Ice." All it was was an empty ice arena, until finally a casket slides past, doing a 360.
well ... the subtleties of curling are many ... including, but not limited to, falling on your butt if you aren't careful as you slide down the sheet -- either sweeping, or not sweeping, according to the directions of the skip.
One factoid about sweeping is that it actually melts the surface of the ice (which is not smooth, but "pebbled" with water drops which freeze [obviously] and provide a better surface. By melting the surface VERY slightly, it will cause the rock to slide farther, or faster, and also will reduce the amount of "curl" that the rock will take.
Sweepers will sweep in front of the rock to speed it up (and to possibly remove any bits of debris that might alter the direction of travel in an undesirable manner) or to make it go farther.
If the rock is thrown with too much speed (called "weight" in curling parlance), then the sweepers will sweep behind the rock, in order to slow it down.
End of curling lesson, eh?
Actually curling is one of the most civilized sports in the world in that you are encouraged to drink alcoholic beverages while doing it. Also the winners have to buy the losers a drink after the game (Sometimes I lost on purpose).
On the moose front, when I lived in Ottawa a moose wandered into town and fell in someone's swimming pool. They had to use a crane to get it out.
also, re: curling - the Johnson sistersthe Johnson sisters are kinda hot
please ignore redundancy (blogging while buzzing)
sly - no, she was at a Monty Python festival.
These people think THEIR lives are messed up?!?!
TCK ~ they're kinda young for you, huh? :)
Hey, when's Dave's gift guide coming out? I hope you don't think you're off the hook for it this year, Mr. Hiatus.
Somewhat on the topic: Mason Williams wrote a talk-sung poem called "Them Moose Goosers", one of a series of several "Them" poems. Dr. Demento plays it sometimes.
How 'bout them moose goosers, ain't they recluse
Up in them boondocks, goosin' them moose
Goosin' them huge moose, goosin' them tiny
Goosin' them meadow moose in they hiney
Look at them moose goosers, ain't they dumb
Some use an umbrella, some use their thumb
Them obtuse moose goosers sneakin' through the woods
Pokin' them snoozy moose in their goods
How to be a moose gooser, it'll turn ya puce
Get your gooser loose and rouse a drowsy moose
frozen tundra, a few hills, couple rocks. humph.
no wonder she wandered. my first thought was
♪girls just want to have fun♫
Goosing moose? I'm phoning PETA right now.
Moosing Gooses? Oh it's all just getting Higgledy Piggledy in here.
Moose and Monty Python?
I've heard of Moose and Squirrel
*sees Aunt Nancy took his line aboot sister being bitten by a moose*
ooh, rocky, watch me pull a rabbit outta my hat. ooops, wrong hat.
what am i doing in moncton .. thought it was frostbite falls.
I think the real concern is that according to the article the two-year-old cow moose from Harrison Trimble High School . This means that not only has my country been invaded by PETA but apparently we are also educating the local wildlife. Just think what a cow moose can do with a law degree.
And Random - sorry wasn't blogging yesterday nite. Urban Moncton means the part of the city that actually has people in it. We're very liberal with the use of the word city up here and the "city" can encompass entire farmfields.
*Cue Northern Exposure theme music*
I tried to read Ivory Bill's poem, now my tongue is in a knot. It' funny, though!
IT'S. See?
Hey, my Dad's family is from Moncton. Now I know why Mémé packed up the kids and moved to the States...
Moncton HAS an urban area????!?!?!?!?
Yes, I know that's already been said, AND I also know that S.N. already explained the "urban" concept in Canada, AND I know I'm LTTG, but that's what I thought when I just now read the article, AND I'm not letting such a clever, witty thought (who are you kidding, El?) go to waste, so deal with it.
And what's wrong with redundancy anyway??
*zips out in a huff*
El - *SNORK*
*zips out in a Pontiac*
Well, I'm from Moncton and I can assure you that the part of the city they're talking about DOES have a lot of traffic as I live close to there. There is a hospial, a school and the major french university close to there.
And to the guy who asked why people were so freaked out about a moose in the city, well a moose a stupid enough to walk right in the street coming out of nowhere. Some even attack people, and since this moose was obviously a little wacked, and since it was close to a school, I don't blame people for freaking out a little.
Finally, the picture was taken close to a soccer field (as you can see the net behind the moose) and not the tundra. Sometimes it helps to think a little before commenting. The Internet is good for that. Gives you time to THINK.
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Many retirement savers who were spooked after the 2008 crash are finally feeling confident enough to move their cash into stocks and bonds — even during the latest two-week period of market volatility, according to Bank of New York Mellon analysts who spoke at a press briefing on Thursday.
But where are the safe havens? Current volatility is centered on the traditionally safe U.S. Treasuries market, and gold futures are now residing in negative territory, so investors who are saving for retirement are wondering where to put their money.
"There is no such thing as the perpetual safe haven," said Anjun Zhou, head of multiasset research with Mellon Capital Management, who instead keeps an eye out for markets that are currently outperforming. "For decades we thought Treasury bonds were the safe haven, and look at what's happened in the last two months."
'A Buying Opportunity'
Save havens may be a moving target these days, yet Americans' confidence in the U.S. economy is at its highest point in five years, BNY Mellon Investment Management CEO Curtis Arledge asserted, noting that people who were in cash a couple of years ago now want to invest despite the recent bond market selloff.
"People are seeing this time as a buying opportunity," Arledge said.
On Tuesday, the Conference Board reported that its consumer confidence index jumped to 81.4 in June from 74.3 in May, for the best reading since January 2008.
Redesigning 401(k) Plans
But for those who are ready to re-enter the markets, the traditional style box approach to defined-benefit (DB) retirement plans doesn't work anymore in this high-risk, low-yield global environment, said Robert Capone, executive vice president with BNY Mellon Retirement.
He admitted that target date funds as now designed are not the best solution, but Capone said the DC industry and 401(k) plan sponsors are looking to start over again with more flexible investment policies that provide stability and diversification over a wide range of asset classes.
"The industry is slow to change, but we have to start somewhere," Capone said.
In a "Retirement Reset" report published this June, Capone pointed to the performance disparity between institutional-quality defined-benefit (DB) pension plans versus DC plans, which is an area of concern as DC plans come to dominate the retirement market.
"DB plans have significantly more exposure to nontraditional, 'outside-the-style-box' investment categories," Capone wrote. "We believe the limitations placed upon DC investors by the traditional style box investment design so prevalent in DC plans puts DC investors at a significant disadvantage to investors in more broadly diversified plans."
Capone then went on to cite the Callan DC Index, which shows that as of Dec. 31, the average DB plan outperformed the average DC plan by more than 180 basis points since the index's inception in 2006.
Global Equities and the U.S. Dollar
As head of the multiasset research group, Zhou works on developing new investment strategies for BNY Mellon and improving risk controls. In this current period of volatility, here are the investments that Zhou likes:
- Global equities, which have attractive valuations versus fixed-income securities. BNY Mellon is currently underweight bonds.
- Carefully selected developed markets. Japan, Germany over Italy, and the United States over many countries are Zhou's picks. Her favorite currency is the dollar over the euro.
- In the bond complex, Zhou likes the U.S. and United Kingdom versus Europe.
Meanwhile, Suzanne Hutchins, a global funds manager with U.K.-based Newton Investment Management, one of 15 firms that provide BNY Mellon with global investment solutions, said that Newton is taking a contrarian tactical stance and buying U.S. Treasuries because of their potential for growth in return.
"Over the last couple of weeks we've actually been buying long-term U.S. government bonds," Hutchins said. "I would agree that there isn't a safe haven status, but it depends on the price you pay for a security, which is why we're buying Treasuries right now."
Read 5 Huge Market Shifts, and How Investors Should Respond: Merrill at AdvisorOne.