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Mid-Week Links: Decisions
June 28, 2012 2 Comments
Marin County
- SMART will consolidate its offices in a transit-unfriendly Petaluma office park, far from downtown and far from the city's planned rail station. A finalist property was downtown but even transit agencies can fall victim to the siren song of sprawl. The lease is up in six years. (Press Democrat, NBBJ)
- Norm Solomon has conceded the race for Congress to Republican Daniel Roberts, all but ensuring a smooth election for Assemblymember Jared Huffman to Lynn Woolsey's seat. (Patch)
- Golden Gate Transit, along with a host of other regional agencies, is hiking fares on buses and ferries on July 1. Drivers, alas, will keep paying the same tolls. (IJ, GGT)
- People are excited about closing the Novato Narrows by adding carpool lanes, the least bad kind of freeway expansion. On the downside, it'll suck ridership away from the other big transit project on that corridor, SMART. (IJ)
- The San Rafael Street Painting Festival is may not return again this year, or any other year. The wildly popular festival closes down Fourth Street for a day but has proven to be a money-losing enterprise for Youth in Arts, the sponsoring nonprofit, and they've called it quits. (IJ)
- Nobody likes waiting in line to exit the parking lot after the Marin County Fair, so why not take the bus instead? You could even park at your local Park & Ride. (GGT)
- And…: GGT's bus stops are now on Google Maps as the agency continues its new-found affinity for customer service. (Google) … A Marin City housing activist will not be evicted for hosting her dying mother after all. (IJ) … On the opposite end, a Belvedere couple bought and demolished a $4.2 million home to expand their views and, presumably, their yard. (SFist)
The Greater Marin
- Healdsburg is getting serious about bike infrastructure now that its petition to be an official Bicycle Friendly Community has been rejected by the League of American Bicyclists. (Press Democrat)
- Housing growth projections are notoriously difficult to get right, and the numbers ABAG is using for Plan Bay Area is complicated by internal and external politics to boot. (SF Public Press)
- SFMTA has its proposed alternatives for the Geary Bus Rapid Transit line available to browse and comment. Though the current plan is to give only the 38-Limited access to the route, GGT's Route 92 runs as a limited-stop service along Geary, so Marin City commuters stand to benefit from the process as well. As well, Van Ness BRT
has been approvedhas a preferred alternative, meaning one more step to better service for Muni, as well as GGT's Routes 10, 70, 80, 93, 101, and 101X. (Streetsblog) [edited per Viktoriya Wise's correction.]
- California High Speed Rail faces a major funding hurdle in Sacramento today. The Legislature needs to release $2.7 billion in bond money so construction can begin on the central part of the line in the Central Valley. But lawmakers have also released a Plan B that would focus the funds on LA and San Francisco improvements instead, and there's always the chance that no rail will pass at all. (Streetsblog)


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Global Survey of Lizards Reveals Greater Abundance of Animals on Islands Than on Mainland Ecosystems
A comprehensive survey of lizards on islands around the world has confirmed what island biologists and seafaring explorers have long observed: Animals on islands are much more abundant than their counterparts on the mainland.
Besides confirming that longstanding observation, the study signals an alarm for island populations in a rapidly warming world. It suggests that climate change may have devastating consequences for lizards and other animals that inhabit islands because their ecosystems are much more sensitive than those on the mainland to change.
Details of the study conducted by biologists at the University of California, San Diego will appear in a paper slated for publication in the June issue of the journal Ecology Letters, available online in May.
"We found that island populations are less resistant to biological invasions, which will likely increase dramatically with changing climate," says Walter Jetz, an assistant professor of biological sciences at UCSD and a co-author of the study.
"Climate change will drive animals to move to new places," says Lauren Buckley, a postdoctoral fellow at the Santa Fe Institute who is a visiting scholar at UCSD and the other co-author of the study. "Our research suggests that those animals that move to islands can strongly affect the sensitive animal communities on islands."
In addition to their increased sensitivity to biological invasions, populations on islands are more vulnerable than those on the mainland to sea level rise and increased storm activity, which are expected by many scientists to become worse as a result of global warming.
Jetz and Buckley gathered 643 estimates of lizard abundance from around the world for their survey, the first extensive global study of island densities for any animal group. Analyzing these estimates, they determined that lizards were consistently more than ten times more abundant on islands than on the mainland.
Previous research conducted by Ted Case at UCSD and others on small groups of islands had found that islands' limited areas and isolation can reduce predation and competition pressures. As a result, island animals were able to reach exceptionally high densities.
In their study, Jetz and Buckley confirmed that reduced numbers of predators and competitors accompany high lizard densities on islands across the world. The two biologists concluded that an average acre of mainland contains 52 lizards while an island acre contains 777 lizards. This difference in density persisted when the scientists controlled for location and environmental conditions.
"The ecology of islands is particularly important because, while the world's more than 100,000 islands constitute only 7 percent of the global land surface, they contain many of the earth's species with numerous species restricted to single islands," says Buckley. "500 million people depend on island ecosystems for their food and livelihoods."
The study suggests that islands are particularly sensitive to the loss and gain of species. Species introductions have had dramatic consequences for islands. Introduced mongooses have devastated island populations of lizards and introduced snakes have caused the loss of birds and lizards on islands.
"Cases of species introductions wreaking havoc on islands are likely to become more common as the islands face increasing pressures from population growth, tourism, development, and climate change," says Jetz. "The consequences of island vulnerability have already been observed as island species account for half of known animal extinctions and a full 90 percent of known bird extinctions in the last 400 years. Our study suggests that islands will continue to be vulnerable worldwide."
"Many people, myself included, enjoy visiting islands for their spectacular wildlife," adds Buckley. "Our research suggests that we must be particularly careful to limit the movement of animals between islands if islands are to remain special places to visit."
Source: University of California, San Diego

subset: commoncrawl


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text: Well whatever RIM did to patch up the first DingleBerry exploit was not enough for a second one to be discovered only hours after the new PlayBook OS update. At this rate, we'll be seeing a lot of PlayBook updates in the near future it seems. According to @cmwdotme, RIM's patch did work against it the first time but this second hack uses another exploit entirely. Let the cat and mouse game begin.


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The third- and fourth-largest wireless operators in the U.S., Sprint and T-Mobile, are close to settling on a $32 billion merger, with the deal being announced possibly this summer.
The two companies have been in talks for years about a possible merger and are finally close to reaching a deal that would see Sprint offering $40 for every T-Mobile share, a 17 percent premium on the latter's closing stock price Wednesday. Sprint is offering 50 percent in cash and the other half in stock, leaving T-Mobile's parent company, Deutsche Telekom, with only 15 percent of the merged company.
Talks are still underway and there is a possibility that the deal could still fall apart, but news of the acquisition suggests a turning point in the long-contemplated merger. The deal will benefit both parties as they have struggled to keep up with Verizon Wireless and AT&T, who have at least 100 million subscribers each and continue to grow.
"In order to compete against the big two, AT&T and Verizon, scale is essential," said Satoru Kikuchi, an analyst at SMBC Nikko Securities Inc. in Tokyo. "The mobile-phone industry is an industry that needs business investment, so the larger the better."
Neither Sprint or T-Mobile have the financial resources to take on their larger competitors, nor the suite of offerings to attract customers. The two companies are choosing a merger as a way to be competitive and stay relevant.
Deutsche Telekom has been attempting to offload its investment in T-Mobile and reduce its exposure in the U.S. The company failed to close a deal with AT&T in 2011 to sell T-Mobile for a price similar to that being offered by Sprint.
Should the deal go through, Sprint and T-Mobile officials will have to face regulatory scrutiny. The Justice Department is already considering two mega deals in Comcast's proposed acquisition of Time Warner Cable, and AT&T's proposed deal for DirecTV.


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Friday, 23 September 2011
Chanel Rouge Coco Shine Fetiche & Bel Ami
I think the range is extremely wearable, the colours crisp and fresh and the shine/gloss finish is flattering.
They feel lightweight, quite hydrating and apply smoothly. However, the one drawback is lasting power, these are very fleeting, because of this I have tried to curb my longing for more shades, but I have failed.
Bel Ami #66 is a natural plummy rose with a bit of brown, Fetiche #52 is a cool toned mauve pink. (£23 each)
Swatches L-R: Fetiche,Bel Ami
I'll do a round up post soon showing you all my Coco Shine together as I seem to have a bit of a collection going with them.
I bought these from Debenhams
10 comments:
Fetiche is very pretty! :)ReplyDelete
If only the lasting power were better!! Looking forward to seeing your collection. :)
Looking forward to seeing all of them. I got Bel Ami and love the color. Fetiche was next on my list!ReplyDelete
They both look very pretty. Do they show up as colour on your lips? I suspect my natural lip colour would prevent them showing up as anything more than gloss.ReplyDelete
Jane x
Hi Vintage Makeup,ReplyDelete
I didn't even pay attention to Fetiche at first, so glad I picked it up, its a really pretty feminine shade :)
Hi Martha,
I was surprised how much I like Bel Ami, although the SA said it was the most popular colour they had in terms of sales :)
Hi Jane,
Yep, they show up, I actually think you would really like Bel Ami, quite a nice fall colour, worth you having a look I think when you are next at a counter x
Hey! Bel Ami is one of my favorites, you're right I got quite a few of these when they were first released and have since moved on to more recent aquisitions! ;) I must remember to put one or two of these in my makeup bag, thanks for the reminder.ReplyDelete
Btw the new Passion duos from D&G with the lipgloss core are gorgeous, there is one color I know you'll love, its like their lipstick in Naked, i forget the name but its #250 I'm waiting for my next paycheck to get one:)
Hi Lakshmi,ReplyDelete
I have read some really got things about the D&G duos so have been working out what shades to order, I looked on the Harrods site but they seem to be listed by name rather than number so I'll have to look somewhere else to find out the name of #250, thanks for the rec as you do always pick things out I like x
Hello again Lakshmi,ReplyDelete
Just did a search and #250 is called Desirable, so I'll pop that on my list x
Great I hope you like it! Yeah the testers I saw had all the names crossed out so it was a bit hard to see. There are a wide variety of shades so plenty for us to choose from, they also seem to be more pigmented than the latest crop of "sheer" lippies we've been seeing. Am (im)patiently waiting to order them..ReplyDelete
Hi Lakshmi,ReplyDelete
I've just ordered Desirable, hope you are happy with yourself ;) xx
Teehee!! *sneaky chuckle* !!!ReplyDelete
But on a serious note, I do hope you like it, am actually a bit stressed now...


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All undergraduates, in order to be recommended for a degree, must be accepted into a major. Each major falls within one of the three general academic divisions:
- Humanities
- Social sciences
- Natural sciences
Use our academic search tool to view a list of majors either alphabetically or by division.
Jump to:
Applying for a Major
Students are expected to apply for a major during the semester they are completing 64 credits or more toward their degree. In February of each year, sophomores are informed that they need to meet with an adviser in the department they wish to major in. Detailed information about declaring the major, including useful FAQs, is available on the Sophomore site.
Application for Major in Arts and Sciences
Step 1: Review course requirements for the major of interest on the department's website or the Undergraduate Bulletin.
Step 2: Obtain the "Approval Form for Majors and Minors" from CCAS in Lattimore 312.
Step 3: Make an appointment with the departmental adviser to complete plans and gain acceptance.
Please Note: Departments in Arts and Sciences will accept students and assign faculty advisors if at least 12 courses and any specified prerequisites have been completed with a 2.0 or higher average. Any conditions of the acceptance will be noted on the approval form. Courses taken at another college that students want to use to satisfy major requirements must be approved by the appropriate person in the department.
Step 4: Students simultaneously register their plans for the balance of their Rochester Curriculum. The dual-purpose form permits students to indicate the set of formal coursework (i.e., cluster, minor, major) that they will complete for each academic division.
Application for Major in Engineering and Applied Sciences
Engineering and computer science students who have met the freshman and sophomore requirements for their particular programs may apply for admission to a major in the Hajim School.
Step 1: Students should seek assistance from Hajim School faculty members (particularly their faculty advisors) and Dean's Office personnel to help insure that introductory courses both explore potential areas of the major and prepare the student for the major that might be chosen.
Step 2: The student and advisor must complete (usually during the spring of the sophomore year) the "Approval Form for Majors and Minors."
Step 3: The Dean's Office reviews the application for the major, and, if approved, processes the formal acceptance.
All students admitted into the Hajim School of Engineering are responsible for four semesters of equipment fees. Students should be advised that questions regarding this policy should be directed to the associate dean in the Hajim School of Engineering and Applied Sciences.
Changing a Major
A change from one major to another is completed in the same way as the application. After acceptance by the new department the student returns the "Approval Form for Majors and Minors" to the Center for Academic Support (Hajim School's Dean's Office for engineering and computer science students' changes) and informs that office of the change. The "Rochester Curriculum Registration" is revised if necessary.
Double Major
Students wishing to pursue a major in two Arts and Sciences departments for their Bachelor of Arts degree apply to both departments following the usual procedure. They also revise the "Rochester Curriculum Registration" if necessary. In addition, both areas acknowledge in writing that they are aware of and approve the student's pursuit of a double major.
This approval should be written on the "Approval Form" or in a separate memo, signed, and sent to the Office of Academic Records. Students are expected to fulfill the upper-level writing requirement in each major. Specific rules exist concerning mathematics-statistics double majors (see Bulletin).
A list of the double majors in any one department is maintained by the Office of Academic Records. Students may obtain a major, or a double major, along with one or more minors.
A statement will be placed on the official record concerning a third approved major, although the third major will not be (cannot be) entered into the computerized record.
Overlapping Courses
No two majors may overlap by more than three courses. (Some majors such as HLS and IPA restrict the number of overlapping courses to two.)
Allied field courses taken outside the department of the major that are part of the core program are subject to this overlap policy, as are foundational courses that are prerequisite requirements and from the department of the major. Non-departmental ancillary course requirements (such as chemistry for biology majors) are not subject to this restriction.
Students submit the "Overlap Declaration Form for Majors and Minors" when they submit their second major form.
Double Degrees
Students wishing to pursue both a BA and a BS degree program, or two BS programs submit signed "Approval Forms for Majors and Minors" to the Center for Academic Support, along with a petition to the Administrative Committee seeking permission to pursue the double degree. All double degree students need to conform to the policies noted above under "Double Majors."
In addition to the overlap policy noted above, double degree students also need to know that the Administrative Committee will expect them to earn at least 136, rather than 128, credits in order to graduate.
Students following a double degree program must fulfill all graduation requirements of both degrees.


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Florida Court Forces Police to Obtain Warrant For Cell-Phone Searches
The Florida Supreme Court, in a 5-2 decision, has ruled that police must obtain a search warrant to view the contents of a person's cellphone when they are taken into custody.
By Julie K. Brown
At a time when smartphones have become the storehouse of everyone's personal information, can an arresting officer seize yours and rummage through its contents, then maybe call your business associates and poke your Facebook friends?
They could -- but not anymore, the Florida Supreme Court ruled Thursday.
At least not without a search warrant.
That ruling was applauded as a landmark by civil libertarians and defense attorneys, who argued that the state's archaic search warrant laws have become outdated in a digital age where people collect endless amounts of personal information on their cellphones.
"What the court is doing is standing up for what little privacy is left in America by saying police don't have the right to invade our whole life without the authorization of the courts first," said Howard Simon, spokesman for the American Civil Liberties Union of Florida.
The controversy, which is raging across the nation, was also on the Florida Legislature's agenda this past session. However, a House bill co-sponsored by Rep. Carlos Trujillo, R-Miami, that would have made fishing expeditions of cellphone information illegal seems destined for the cutting room floor.
Pinellas County Sheriff Bob Gualtieri, as well as and other sheriffs and prosecutors, denounced the proposed bill, testifying before lawmakers last month that the law would tie the hands of police and ultimately protect drug peddlers, pedophiles and murderers.
"There is going to be evidence that is not going to be obtained because of this decision," Gualtieri said Thursday after the Supreme Court decision. "It takes about four hours to get a search warrant -- that's just the way it is. Cases are going to become more difficult to prosecute."
In the past, police and sheriffs deputies were able to view the contents of a suspect's cellphone the same as a wallet or a briefcase -- without the necessity of getting a warrant. The idea was to prevent the subject from pulling out a weapon or destroying or hiding evidence.
But a cellphone and other portable electronic devices aren't the same as a car's glove compartment or a suspect's wallet and briefcase, Simon said.
"The police do not have the right to rummage through a person's entire life," he said. "It has nothing to do with protecting criminals. People still have a right to privacy even if police may have a legitimate reason for looking through your phone."
The ruling still allows arresting officers to take custody of the phone, thereby preventing a suspect from deleting evidence, said former Broward County Sheriff Al Lamberti.
"I think it's something we can live with," said the ex-lawman, who is now a security consultant.
BSO has been operating under court-ordered cellphone searches for about a year, he said.
"It's not that difficult to go that extra step and we've found out that in court you leave yourselves open to a challenge if you don't do it."
The state court ruling came in the case of Cedric Smallwood, who was arrested in connection with a convenience store robbery in Jacksonville in 2008. Police seized Smallwood's phone and later identified images on the phone that were relevant to the prosecution. The justices ruled 5-2 that while police had a right to seize his phone, they did not have the right to look at its contents without a warrant.
Cellphones, like home computers, should have a higher expectation of privacy, wrote Justice Fred Lewis.
"Vast amounts of private, personal information can be stored and accessed in or through these small electronic devices, including not just phone numbers and call history, but also photos, videos, bank records, medical information, daily planners, and even correspondence between individuals through applications such as Facebook and Twitter," he said.
Chuck Drago, a police procedures consultant and former instructor in the execution of search warrants, said most law enforcement officers have known that it was only a matter of time before this decision.
"It's going to mean more work and it's going to slow down the investigation. But you overcome it," said Drago, a former assistant police chief in Fort Lauderdale. "Would police like to look at everything they want to look at? Of course. But does the ruling make sense? It does to me."
(c)2013 The Miami Herald
We invite you to discuss and comment on this article using social media.


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Paul Shaddick asks this question on his Facebook page, but the system only gives 250 characters for the response – which is no where near enough!
I'm not sure why Paul asked the question, but I'm not sure that it gets to the heart of the issue. Far too often, the idea of missionary springs from the Great Commission in Matthew 28 – we are to be missionaries because Jesus sends us into the world. In The Mission of God: Unlocking the Bible's Grand Narrative, Chris Wright talks about the great comission:
…Les defensible has been the massive continuing practice in many missionary circles to go on and on building the massive edifice of Christian missionary agency on this one text, with varying degrees of exegetical ingenuity. If you put all your apologetic eggs in one textual basket, what happens when the handle breaks?
What happens, for example, if all the emphasis on the word Go in much mission rhetoric is undermined by the recognition that it is not an imperative at all in the text but a particle of attendant circumstances, an assumption – something taken for granted? Jesus did not primarily command his disciples to go; he commanded them to make disciples. (pp.34, 35)
He goes on to raise a number of serious questions about the use of this text to defend our current practice and experience of missions. There is a great tendency within the Evangelical world to find proof texts which bolster the things we do and the way we act, but this is a dangerous practice.
Talking of proof texts, Wright quotes the great missionary theologian David Bosch:
I am not saying that these procedures are illegitimate. They undoubtedly have their value. But their contribution towards establishing the validity of the missionary mandate is minimal. This validity should not be deduced from isolated texts and detached incidents but only from the thrust of the central message of both Old and New Testaments. What is decisive for the Church today is not the formal agreement between what she is doing and what some isolated biblical texts seem to be saying but rather her relationship with the essence of the message of Scripture.
In other words, we should be looking to the whole message of Scripture to guide us, not just one or two texts. So where does this get us with the question of whether all Christians are missionaries?
The constant theme which runs through the Bible is that God is seeking to bring reconciliation and wholeness back to his creation following the fall. Immediately after the fall, Adam and Eve hide in the Garden, but God comes looking for them. He chooses Abraham and tells him that through him all nations will be blessed. Later on the Father sends the Son and the Spirit to earth to bring atonement and a knowledge of God. It is worth noting that the key use of the word apostolos (to send – the Latin equivalent mittere gives us the English words mission and missionary) is of the Father sending the Son and Spirit – not of God sending the Church into the world. To briefly sum up the message of Scripture – God is on a mission! Any sending of Christians or the Church is only a part of the much bigger mission that God himself is engaged in. God is on a mission, and it is our privilege to join him. We don't do mission for God, we do it with him.
When we use the word missionary it becomes something that Christians do – a job title, or job description. This is safe and comfortable. Mission is a thing we do at times, and something that can be left to the professionals if the going gets tough. Some people GO – the rest of us can stay behind and pray and give. But, this just isn't what the Bible story is getting at. God is on a mission and we are called to be followers of this missional God. Mission isn't something we are to do, it is what we are. To ask whether All Christians are called to be missionaries is a bit like asking whether all dogs should have four legs.
The tragedy is that our church and mission structures very often don't give a primacy to mission and make it an add on. Perhaps a follow on question for Paul to ask would be how can we equip and enable all Christians to play their part in God's mission?


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One of Gregg Easterbrook's contentions in "The King of Sports'' is that "football is the perfect game for the cultural contradictions of the United States."
He may be right.
As Tony Dungy, who coached the Buccaneers and Colts, puts it, "football is America's game because it is aggressive, and Americans are aggressive people." Assuming that by "Americans'' Dungy means citizens living between Mexico and Canada, that would appear to be true. The United States does lead the world in the production and sales of weapons and our leaders maintain a military presence throughout the world, often aggressively.
But, while the image of America is "raucous'' and "confrontational,'' our country likes to think of itself as "free, fair, and tolerant.''
In "The King of Sports'' Easterbrook finds our national game, like our national image, to be rife with paradox. In his book, the contributing editor of The Atlantic Monthly and ESPN.com columnist offers a critique of organized football, along with an example of one college program he views as exemplary, Frank Beamer's Virginia Tech Hokies (a program that wins, acknowledges concussions, and graduates African-American players at a respectable rate), and suggestions on how the game could be reformed.
Easterbrook notes the NFL's disregard for player welfare, both at the team and the league level. He cites physical risks taken by players and downplayed by teams looking to exploit them for profit. The NFL's recent settlement of the lawsuit brought against the league by more than 4,500 former players or their family members does not address the charge that for years the NFL denied that players suffered brain damage as a result of two factors: their employment, and their inclination to listen to the bad advice of trainers and doctors retained by the teams.
Pro football, like boxing, has been presented as a workplace where — as Easterbrook puts it — "black males can achieve career success without doing well in high school and college." This, he points out, is "a mirage." The careers of all but the most talented and fortunate players, black or white, are much too short for them to achieve security, and years after they retire or are fired, many are still on the hook for substantial medical expenses.
Easterbrook also points out the political dualism of football, which exudes "a patina of political conservatism," despite that the NFL (a nonprofit corporation) embraces "socialist economics'' in the way it divides television revenue among teams, and both it and the NCAA rely heavily "on public money" for buildings, stadiums, and infrastructure.
College football takes some hits, too. Easterbrook is especially irked by what he calls "the Grand Illusion" by which college coaches recruit teenagers with the promise of eventual access to the pros. He cites Nick Saban as one of the most energetic endorsers of "the Grand Illusion," contending that Saban has abandoned the idea of selling recruits on "tradition, a fine campus, and a big stadium full of loyal fans" in favor of encouraging them to see playing for Alabama as a stepping stone to an NFL contract, which Easterbrook regards as a con job.
College players who've been injured face a particularly unhappy circumstance. Although the show they stage can yield millions of dollars for the university and the NCAA, officially the players are not paid, and "[o]nce an injured athlete leaves college, the NCAA washes its hands," meaning that neither the college nor the governing authority of college sports need help with medical expenses.
At the end of "The King of Sports,'' Easterbrook suggests ways in which football at all levels could be reformed. He reports that the NFL presently pledges "less than one fifth of 1 percent of the revenue of the league" to programs promoting player safety. He reasons convincingly that it should be more.
And he'd like to see college football leaders acknowledge that the obligations built into playing football at the D-1 level make it difficult for a young man to take legitimate courses, let alone earn a meaningful degree. He suggests those schools award players six-year scholarships, which would ensure that they'd get at least one year as a student without football obligations.
Easterbrook ends the book with a tough but oddly hopeful question: "The United States faces many challenges more important than reforming football. . . . If the United States can't come to grips with the relatively small task of cleaning up its national sport, how will the country ever achieve progress on grand issues?''
Bill Littlefield hosts NPR's "Only a Game." He is writer-in-residence at Curry College. He can be reached at blittlef@ bu.edu.


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In investing there are a few universal truths. One of them is that at some point, a stock's price will fall. There are myriad reasons why a stock's price falls and it is up to you to determine the cause. By identifying why the price is falling, you are far better equipped to decide if it is time to sell your position or if the fall in value presents an opportunity to purchase additional shares. The key is neither to react every time a stock you own dips, nor to become so emotionally attached to an investment that you stay with it no matter what the news.
The Key: Fundamentals
The decision to sell a stock should be similar to the decision to buy a stock. But the price paid for a stock must be put aside when deciding if it is time to sell. The sell decision should focus on a company's future prospects and fundamentals relative to its current stock price. If the reasons for buying the company—i.e., its fundamentals—have not changed, then there may be no reason to sell. Many investors lose sight of this and allow their emotions to dictate their sell decisions.
When you look at stocks that are declining in price, often you will find recurring themes that, once identified, can help you decide what your next step should be. These themes are typically related to one of three things: market movement as a whole, industry action in which the firm operates, or firm-specific issues. In this article, we will discuss some of these themes and the steps investors can take in the face of events. Be mindful, however, that it is not always apparent that the fundamentals of a company have changed. The key is to understand what is driving the price of the stock. If you are not able to identify why the price is falling, perhaps it is best for you to exit your position.
Market Weakness
Weakness in the overall market, by itself, is never a good reason to sell your stocks. Markets rise and fall, but history has shown that over the long term a well-diversified portfolio of stocks will not only generate a positive return, but also provide the best opportunity for providing a return above the rate of inflation. It is important to keep your investment horizon in mind—long-term investors should not be deterred by short-term declines.
It is a good idea, however, to compare the performance of an individual stock to that of the overall market. One of the main goals of investing in individual stocks is to achieve returns above those of the overall market for a given level of risk. Most stocks react to market moves in a consistent pattern. Further investigation is warranted if the price movement of a stock suddenly starts to deviate from its past relationship with the market or related index. Even if the company appears to be in the same condition as it was when you bought it, a lagging stock price in relation to the overall market may mean that there is a group of investors that believe that the stock's fundamentals have changed. In this situation, you might consider liquidating your position instead of waiting for information to surface.
Industry Considerations
Just as the market as a whole can have a bearing on an individual stock's price, so too can the industry in which the firm operates. A downturn in a stock can be attributed to the cyclical nature of its industry, a long-term secular trend, structural weakness within the industry, government regulation of the industry, or liability issues facing the industry.
Stock Prices and Industry Cycles
All industries, to some extent, have a pattern to their movement. Most industries follow a seasonal pattern, with sales stronger in some portion of the year. Economic cycles are even more pronounced and longer lasting. Some industries move in tandem with the economy—rising as the economy expands and falling when it contracts—while others are counter-cyclical, meaning they move in the opposite direction of the economy as a whole. Factors such as interest rates, production levels, material costs, labor availability and costs, and consumer sentiment fluctuate over the course of an economic cycle and they impact various industries differently.
No matter what the cycle, you should not sell a stock just because its industry has entered into the decline portion of a cycle. As a long-term investor, you should be aware of any cyclical behavior in a stock's industry before you buy the stock, and you should be prepared to hold the stock through the upward as well as the downward portions of the cycle, perhaps even adding to a position at cyclical lows.
Structural Changes in an Industry
There are times when a decline in the overall industry signals a time for you to sell your shares. One such example involves structural changes within the industry. Structural considerations, as the name implies, strike at the very heart of the industry and ultimately can determine its survival or failure. Structural changes can be brought about by several things, including technology and competition. One example is the decline of the traditional American steel industry due to the growth of mini-mills and increased foreign competition.
Companies within industries faced with structural changes will more than likely see some change in their fundamentals. The extent of the impact, as well as the industry's and company's ability to adapt, will determine whether the time has come to sell.
Regulatory Changes
Government regulation can take many forms and can have differing impacts on the stock performance of companies in the industry. The government can impose limits on how much companies can pollute or dictate how much a company can charge for their product or even how profitable a company can be.
For investors, the concern should revolve around changes in regulations that could come from the federal, state, or local level. You should be mindful when the government steps in to impose regulations on a previously unregulated industry, or steps up or changes regulatory rules. If the regulation imposes additional costs on firms within the industry, then the impact will probably be negative, as the cost structures of the firms within the industry change. On the other hand, added rules may raise the costs of entry into the industry high enough to limit potential competitors, in which case the existing firms that are able to operate under the new rules may benefit from the lack of competition.
While government regulation of an industry can have an impact on the companies within the industry, government deregulation can also have an impact—typically positive for companies, but potentially negative as well. One negative example that stands out is the utility industry, which began deregulation in the late 1990s. In California, utilities lost the protections that government regulation afforded them, including limited competition and guaranteed return on investments.
Industry Liability Issues
High-profile liability cases against certain industries garner a great deal of media interest and can be a cause for concern for investors. Two industries targeted by such suits have been the tobacco industry and the asbestos products industry, although the impact on the two has been very different. Both industries faced a mountain of litigation due to the health problems their respective products have been identified as causing. The tobacco industry settled a number of these suits at a cost of billions of dollars. Shifts in investor perceptions regarding the risk of future litigation and additional government regulation has led to significant periods of relative underperformance and outperformance over the years. The asbestos issue, in contrast, has crippled numerous companies, with many filing for bankruptcy.
You should not immediately sell your stock just because an industry is suddenly faced with legal action. Instead, you should do some homework to try to determine the validity of the suit as well as the ultimate impact it could have on the companies within the industry. Investor perception is important, so you should not lose sight of the possible market reaction or overreaction of these litigation issues when doing your research.
Competitor Announcements
Companies do not operate in a vacuum, and what happens to one company can impact those around them, especially those that are competitors. Announcements from a company that deal with overall industry conditions will, to some extent, have an impact on its competitors. When a company issues a warning regarding its operations, the first thing an investor should do is discern if the problem is unique to the company or is an industry-wide problem. Bad news that points to a weakness in the overall market or industry does not bode well for other companies that are in that same industry. A recent example would be the sub-prime issues plaguing the financial industry.
Understanding the product or service provided by the company you own will help you determine how news from a competitor will impact its stock price. If the company provides a "commodity" product or service—meaning that the product or service is interchangeable or easily substituted with another company's product or service—then bad news from a company that is related to market or industry conditions probably won't bode well for the other companies in the industry. Examples of companies providing commodity products are steel, paper, and even memory chip producers.
On the other hand, a company has a "franchise" when its products or services are special or unique in comparison to those provided by the competition. Companies that fall into this category tend to be better insulated from negative announcements coming from competitors.
Investors should also be mindful of good news coming from the competition. If the industry as a whole is doing well, there is probably little reason to be worried. However, if a competitor is increasing market share at the expense of other companies in the industry, this is a cause for concern.
Firm-Specific Issues
Having touched on issues relating to the market as a whole as well as the industry, we now come to the last point of consideration, the firm itself. Though the scope has narrowed, the issues to consider are broader. These can include earnings, management, liability, government regulation, competition, and fraud. Typical questions that crop up in the course of holding a stock can include the following:
What do I do when a "disaster" befalls a company?
Through the course of normal business operations, companies can be stricken by extraordinary events—natural disasters, product recalls, and specific product liability suits, for example. The common response of investors to such events is to sell without taking a rational look at what has really happened. This forces stock prices down—often significantly—in a short period of time.
When confronted by this type of reactionary selling, investors need to look past the noise and address a singular issue: Are the fundamentals of the company different than they were before the event? If the answer is no, meaning there is no indication that the company will be unable to generate earnings and operate in the same manner as it has been, there is no reason to sell. In fact, the fall in price may represent an opportunity to buy more of the stock at a discount. However, if management negligence led to the disaster, or if the earnings-generating potential of the firm has been impaired, the prudent move might be to sell.
It is also beneficial to consider the "disaster" in a broader context. Sometimes events such as a product recall are indicative of underlying problems within the company that could grow to even bigger problems down the road. In these cases, the best course of action would be to sell. Other times, however, such events have a short-lived, temporary impact and you are usually better off holding or even adding to your position.
The size of the company and the nature of its business also play a role in how easily a company can recover from such events. Larger, more established companies with stable earnings are better positioned to handle these situations, as are companies whose products or services are not easily substituted by the products or services of other companies. Smaller firms, as well as growth companies, tend to experience stronger investor reaction when bad news hits, and subsequently these kinds of stocks take longer to recover. In general, the smaller the company, the less information that will be available for you to gain an understanding of the problem. If you still do not understand what has happened even after doing some additional investigation, you should sell the stock.
Should I sell just because a company falls short of its consensus earnings estimate figure?
Each quarter investors anxiously await company earnings announcements, which will meet, exceed, or fall short of analysts' expectations. When companies fail to meet expectations, investor reaction is dictated to a large extent by how large the "miss" is.
When the shortfall is "small," the impact probably won't be significant enough to warrant a mass sell-off or large decline in price. However, if the company has a history of exceeding analyst estimates and then suddenly misses the mark, this could signal future troubles for the company. No matter how small the shortfall, you may wish to investigate the reasons behind it to try to identify any problems that may be looming.
The larger the earnings shortfall as compared to expected earnings, the more negative investor reaction tends to become, and the ensuing price declines grow as well. This is especially true for momentum stocks that have had a string of positive earnings surprises. History has shown that once these stocks have one negative earnings surprise, the decline can be swift and massive. In cases like this, your best bet is to sell as quickly as possible.
Sometimes a company may announce earnings in excess of the consensus estimate and, at the same time, warn that they may not be able to meet expectations for the next fiscal quarter. This is known as "downward guidance" and is not necessarily as bad as it sounds. Over the years, companies have become very adept at managing analyst and investor expectations. Downward guidance is a way for a company to provide advance warning so that market analysts are not taken by surprise if an earnings shortfall takes place. When a company provides downward guidance, analysts tend to lower their earnings estimates and, in doing so, make it easier for a company to make or exceed these lowered expectations. You should, however, examine the root causes of the expected shortfall to see if there are bigger problems brewing at the company.
Should I be concerned with changes in company management?
With all companies, there will be changes in top management from time to time as people retire or move on to different firms. The majority of times these moves are amicable and will have no lasting impact on the company. Well-run companies will have people in place to assume these vacancies or can recruit from the outside.
There are the rare occasions, however, when the departure of one or more members of top management can signal serious problems. A mass exodus of top management is one example. Sometimes, news will begin surfacing as to deep-rooted problems within the company—sometimes rooted in accounting fraud by those who have recently departed.
Another potential area of concern is when a key member of the top management unexpectedly leaves.
While it may be that the person was simply offered a better position elsewhere, you will want to stay alert for any news that may come from the company signaling bigger problems.
A company has just changed auditors, again. Should this worry me?
Auditors examine and verify the validity of company financial and accounting records. They strive to make sure the information is as accurate as possible.
When a company changes auditors, therefore, it is not always an innocuous event, especially if the company has a history of changing auditors. Many times, these companies are trying to use questionable accounting practices that the auditor will not go along with. Eventually these companies are found out and their stock prices suffer accordingly.
A company announces it is buying another company and the price drops. Should I sell?
When one company announces it is buying another, the typical market reaction is to drive down the price of the buyer and to drive up the price of the firm being acquired. The reasoning is usually that the acquirer is thought to be paying too much or the acquisition does not hold promise. Depending on the companies involved, there may be questions of whether the merger will be allowed to take place from a regulatory angle, whether the corporate cultures are compatible, and whether there will be a dilution of earnings.
You can attempt to learn more about the merger and try to discern for yourself whether or not it will benefit investors. However, information tends to be sparse and can be less than objective. The main source of information is often the management of the acquiring firm, and they will only be lauding the acquisition.
Analysts may also make their opinions known, but you need to discount this information if the analyst works for a brokerage firm who has investment banking ties to the deal.
Should I sell a stock that was doing well but has been declining for the past few weeks?
All stocks will eventually have a price decline. It is normal for a stock that has been rising for an extended period of time to take a breather now and then and take a dip. As long as there is no news that accompanies this decline, investors may wish to use these short-term declines to add to their position.
When looking at a fall in stock price, especially after a prolonged run-up, you should examine the decline in relation to the industry, as well as the trading volume accompanying the decline. If the stock declines significantly versus the industry or if there is above-average volume as the price falls, you may want to consider selling the position. However, if the stock is down on average volume, you may want to buy additional shares. The key, again, is whether the fundamentals of the company have changed.
What should I do if the stock price has been declining for a long period for no apparent reason?
No investor likes to see the value of his or her shares decline over a long period, especially if there appears to be no contributing factor(s) to the decline. As prices decline, there will be those investors who believe that the market as a whole is more knowledgeable than they are and enter into a "herd" mentality, selling their shares and further lowering the price. There are others who take a contrarian approach, believing that sellers are overreacting. Such investors will add to their positions as the price drops, taking advantage of what they believe to be a bargain price.
Most professional investors view a slow, steady decline in a stock's price as an excellent buying opportunity. Their reasoning is that if there were real problems with the company, the rush of investors to sell would force the price down sharply in a short amount of time. Instead, they theorize that declines in price are caused by money managers selling their stake in a company to raise money and this, in turn, causes some investors to follow suit.
While this article has outlined the issues you should consider if your stock holding should fall in price, your own reaction to these situations will also have a big impact on the outcome. The biggest problem many investors face is that they become too emotionally involved and lose objectivity when deciding whether it is time to sell. Maintaining your objectivity during these times is important to your investing success. Unfortunately, there are no simple, mechanical rules that are effective for when to sell a stock. Nothing substitutes for an understanding of what economic, industry, and firm fundamentals drive your stock's price.
By examining the situation rationally and doing your homework to determine if the fundamentals of the company have changed, you are better equipped to determine whether the time has come to sell your stake.
→ Wayne A. Thorp, CFA is a vice president and the senior financial analyst at AAII. Follow him on Twitter at @WayneTAAII.
The mission of AAII is to help individual investors become more effective managers of their own assets through articles such as this. A no-risk AAII membership will help you achieve your financial goals. Join AAII Today.


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All 10 Level 5 Classic Worktexts
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A "novel" approach to reading, and introduction to the classics rolled into one. Each "Bring the Classics to Life" worktext contains a complete adaptation of the original work, written at appropriate reading level, a synopsis of the story, vocabulary lists, comprehension questions, vocabulary quizzes and answer key. Novels have been broken into ten short chapters. Prior to each chapter, new vocabulary words are defined and used in context. Comprehension questions include recall of specific details, sequence of events, drawing inferences from story context, critical thinking, selecting the main idea. Vocabulary exercises using the newly-learned words follow. 72 pgs. each, reproducible. Black and white (nice for coloring!) illustrations. There are 9-10 Classic Worktexts per grade level, with a complete set also available at each grade. A separate Shakespeare series is also available for grades 2 and up, with plays adapted in modern English (no "thees" or "thous") for easy reading.
The ePub CD-ROMs allow you to take the text portion of the workbook to your computer, MP3-player or e-reader. Each includes the complete book as a regular EPUB file, enhanced EPUB file (with audio), printable PDF file, and audio MP3 file. Please note that these CDs do NOT include the printable student activity pages from the workbooks.
The retellings of the classic books are also available in audio CD format. The comprehension questions and other features in the worktexts are not included, just the adapted story The audio recordings are fairly well done, with expertly paced narration and exciting sound effects. If used with a workbook, these could provide a nice audio component for listening comprehension. CDs are available for Level 1 and Level 2 books, but not Level 2 Shakespeare.
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Palliative care at home is for individuals who need:
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The Visiting Angels Palliative Care Certification Program is provided through our Life Care Navigation™ collection of senior care services. Life Care Navigation™ also includes end of life care, which can provide your loved one with comforting care and assistance during the end of life process.
The program trains caregivers in a philosophy that is supportive, soothing, comforting, and approaches care with a holistic mindset. We approach care with a mission of restoring hope and assisting with healing.
We focus on a wide range of care by addressing:
If you have a loved one who needs palliative care services, you will find the care you need through your local Visiting Angels. We will be happy to answer any questions you may have about our Certified Palliative Care program and coordinate a meeting with one of our care directors in the comfort of your loved one's home. We offer customized care plans, the ability to Select Your Caregiver®, and a compassionate, client-centered approach.
All in all, I would recommend Visiting Angels of Georgetown to anyone, as your service was excellent and the quality of the angels fantastic
All in all, I would recommend Visiting Angels of Georgetown to anyone, as your service was excellent and the quality of the angels fantastic


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Minnesota Female Rappers - Chief Keef (I Don't Like) Remix [MN Got Talent Submitted]
Presented by MN GOT TALENT inc.: Minnesota Female Unsigned Hype. This originally was a cypher but it got turned into a remix with the hottest female rappers living in the Sota.
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Seafood and Arts Festival
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Samsung Galaxy S6 edge Plus support.
Updating your software.
It's a good idea to update your phone's software regularly. Updating your software gives you new features, keeps your phone running smoothly and can fix a lot of common problems. It should always be one of the first things you do if you're having problems with your phone.
Before you can update your phone, make sure your battery is fully charged. You should also make sure that you've backed up your personal data, like the contacts that are stored on your phone.
Software updates need to be approved by mobile networks before your phone will allow you to update your software. If you're using a phone that you didn't get from us, an update may not be available at the same time as it would be for a phone that came from Three.
Your phone will automatically let you know if there's a new update. You can then download and install the software update to your phone. If you've switched this feature off then you should search for updates manually. Here's how:
On the homescreen, tap Apps
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Tap Update now
If you want to download a software update using our network instead of Wi-Fi, switch Wi-Fi only off
Your phone will now check for updates.
Note: Checking and downloading software updates will use data included in your plan. If you have a data limit, check your My3 account to make sure you have enough data left.
Then to update your software:
- When an Install software message appears on your screen, tap Install now
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The software on your phone will now have been updated.
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B.J. Hoeptner Evans
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E-Mail: firstname.lastname@example.com
COLORADO SPRINGS, Colo. (March 3, 2011) – U.S. Men's National Volleyball Team libero Alfee Reft has officially retired as a player and will be a new assistant coach for the women's volleyball team at the University of Minnesota.
Reft (Oxnard, Calif.) will join former U.S. Men's and current U.S. Women's Head Coach Hugh McCutcheon (Christchurch, New Zealand) when he becomes the women's head coach at Minnesota following the 2012 Olympic Games, on Sept. 1, 2012.
Reft joined the U.S. Men's National Team in 2006 after two years playing at the University of Hawaii (Reft transferred from UC Santa Barbara).
He was the starting libero for the 2008 team that won the gold medal at the Pan American Cup and was the alternate libero for the 2008 Olympic Team that won the gold medal in Beijing. He continued to serve as the backup libero for the U.S. Men in 2009-10.
"Alfee was a great volleyball player, but he's a better volleyball coach," McCutcheon said in a release put out by the University of Minnesota. "I could not be happier with his decision to join the Gopher Volleyball coaching staff. The knowledge and experience he brings will be invaluable."
Reft was an assistant coach for the 18-1s and head coach for the 13-2s Laguna Beach Volleyball Club teams in 2009 and 2010. He was also a coach with the TCA Club Volleyball program from 2006 to 2009.
U.S. outside hitter Jayson Jablonsky (Yorba Linda, Calif.) and Olympiacos will face Iraklis, including U.S. opposite Brook Billings (Santa Barbara, Calif.) and outside hitter Ryan Owens (Evanston, Ill.), in the final of the Greek Cup on March 19.
Olympiacos advanced by defeating Panathinaikos in a March 2 semifinal, 3-2 (20-25, 25-21, 25-22, 17-25, 19-17). Jablonsky scored five points on three kills and two blocks for Olympiacos.
On March 3, Iraklis defeated U.S. setter Jonathan Winder (Irvine, Calif.) and PAOK in the other semifinal, 27-25, 25-16, 25-22. Billings led all scorers with 18 points and Owens added 13. Winder had two points for PAOK. The match, which was at PAOK's gym, had to be stopped several times due to unruly fans throwing objects on the floor.
To read Brook Billings' blog about the match, click here.
Meanwhile, PAOK won its fifth Greek league match in a row on Feb. 26 with a 3-1 (25-20, 16-25, 25-22, 25-14) defeat of Panellinios Athens. Winder scored two points while U.S. outside hitter Kris Berzins (Brinklow, Md.) scored five points on five kills for Panellinios.
Iraklis defeated Aris Thessaloniki, 3-2 (25-23, 21-25, 20-25, 25-23, 15-13) on Jan. 26. Owens led all scorers with 21 points on 13 kills, seven aces and one block. Billings added 14 points on 11 kills and three blocks.
Olympiacos defeated Apollon Kalamarias, 3-1 (25-18, 25-22, 19-25, 25-22) on Feb. 26. Jablonsky played as a substitute.
U.S. opposite Will Price (Gaithersburg, Md.) and GS Lamia fell to Panathinaikos on Feb. 25, 25-20, 25-22, 25-23. Price scored 11 points on 11 kills.
In the league standings, Iraklis is in second behind Panathinaikos. Olympiacos is third, PAOK is fourth and GS Lamia is sixth.
U.S. outside hitter Matt Anderson (West Seneca, N.Y.) was named the Most Valuable Player as his Italian Serie A league team Tonno Callipo Vibo Valentia defeated Yoga Forlì, 3-2 (25-19, 22-25, 25-20, 24-26, 16-14) on Feb. 27.
Anderson led his team with 25 points on 24 kills (0.59 hitting percentage) and one block. He was also credited with 28 receptions, 61 percent positive and 46 percent excellent.
In a match between two teams with U.S. Men's National Team players, U.S. outside hitter Sean Rooney (Wheaton, Ill.) and his team Acqua Paradiso Monza Brianza defeated Marmi Lanza Verona, including U.S. middle blocker Theo Brunner (Ridgefield, Conn.) and outside hitter Paul Lotman (Lakewood, Calif.), 3-1 (22-25, 25-19, 26-24, 25-18) on Feb. 27.
Rooney finished with eight points on six kills, one block and one ace. He was also credited with 15 receptions, 80 percent positive and 60 percent excellent. Lotman scored nine points on eight kills and one block. He was credited with 21 receptions, 62 percent positive and 33 percent excellent. Brunner added six points on five kills and one block.
U.S. middle blocker Max Holt (Cincinnati, Ohio) and his Italian team Copra Morpho Piacenza fell to Bcc-Nep Castellana Grotte, 3-1 (27-29, 25-22, 25-14, 25-20) on Feb. 27.
Holt scored 10 points on six kills (0.75 hitting percentage), two blocks and two aces.
U.S. opposite Gabe Gardner (San Clemente, Calif.) and his Italian Serie A2 league team Sir Safety Perugia swept Globo Banca Popolare Del Frusinate Sora, 25-21, 28-26, 25-20 on Feb. 27. Gardner started the first two sets and finished with five points on three kills and two blocks.
Zenit Kazan, the Russian Super League team of U.S. setter Lloy Ball (Fort Wayne, Ind.) and outside hitter Reid Priddy (Richmond, Va.), won its first CEV Champions League playoff match of the six-team round against Poland's Skra Belchatow, 3-2 (17-25, 29-27, 21-25, 25-17, 15-8) on March 2 in Poland.
Priddy was credited with nine kills (0.53 hitting percentage) and four blocks. Ball was credited with one kill and set the team to a 0.49 hitting percentage.
To view photos from the match, click here.
To read a translation of a Polish interview with Ball, click here.
The two teams will play again in Kazan on March 9 with the winner moving on to play Italy's Trentino BetClic in the semifinals. Matches can be viewed at www.laola1.tv.
U.S. middle blocker Ryan Millar and his Polish league team Asseco Resovia Rzeszów are out of the CEV Cup tournament after losing a second semifinal match to Italy's Sisley Treviso, 3-1 (26-28, 25-21, 25-21, 26-24) on Feb. 26.
To view photos from the match, click here.
U.S. opposite Evan Patak (Pleasanton, Calif.) led his Korean league team Korean Air to a sweep of Sangmu, 25-19, 25-17, 25-19 on Feb. 26. Patak led all scorers with 17 points on 14 kills, two aces and two blocks.
On March 1, KAL followed that up with a 25-19, 25-20, 25-23 sweep of Woori. Patak scored 16 points on 14 kills and two blocks.
Unicaja Almeria, the Spanish league team of U.S. middle blocker David Smith (Saugus, Calif.) and outside hitter Riley Salmon (League City, Texas), swept CV 7 Islas Vecindario, 25-21, 25-15, 25-22 on Feb. 26.
Smith started the first two sets and substituted in the third, scoring seven points on four kills and three blocks. Salmon substituted in the second set and started the third, scoring three points on two kills and one ace.
U.S. setter Brian Thornton (San Clemente, Calif.) and outside hitter Eric Vance (Camarillo, Calif.) and their French B league team Chaumont suffered a 25-17, 28-26, 25-20 loss to Martigues on Feb. 26.
Vance started the first two sets and scored three points. Thornton started all three sets and did not score but set the team to a 0.47 kill percentage.
U.S. National Team setter Tyler Hildebrand (Mesa, Ariz.) is playing for CVM Tomis Constanta, which is in third place in the Romanian league.
U.S. setter Chris Seiffert (Laguna Niguel, Calif.) is playing for Remat Zalau, which leads the league.


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bombard (one) with (something)(redirected from bombarding me with)
bombard (one) with (something)
1. Literally, to attack one repeatedly, as with gunfire or explosives. The enemy army retreated after we bombarded them with grenades.
2. By extension, to subject one to something repeatedly. Quit bombarding me with pitches and let me set up in the batter's box! Don't bombard your brother with suggestions—his paper is due tomorrow, so he needs to commit to a topic and just write about it! Every time I come home for the holidays, my mom bombards me with questions about my personal life.
See also: bombard
bombard someone or something with something
to cast or shoot something at someone or something. (See also bombard someone with questions.) The boys bombarded their friends with snowballs. Gerald bombarded his friends with criticism.
See also: bombard


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Posted by Fran Hazeldine (@franhazeldine), Planning Director, BBH London
'Myspace is dying'. How many times have you heard or read that in recent months? It's not a hard conclusion to reach from recent visitor trends.
But speak to some of the guys here at BBH London and they'll tell you a different story. For the past few months they've been working with our Myspace clients on the UK relaunch of Myspace Music. It's a revolutionary platform for the stream and share generation, and they've created some really smart and engaging work to promote it. Will that be enough to kickstart a turnaround? Only time and data will tell. But it's a good excuse to share some wider thoughts on the kind of work we get excited about at the London office.
The campaign started back in December, when 9 artists revealed the music they love in a series of interactive films showcasing the new music player. The idea was to bring fans closer to their favourite artists, reinforcing the core Myspace offer of music community.
Building on this idea, the team have created a new set of films starring Fiddy, Florence, Furtado – and you. Visitors to Myspace.com/fanvideo can create a playlist of videos, log in with Myspace ID or Facebook Connect, then sit back and watch as the artists take turns to make a personal dedication. If you're feeling friendly, you can also give a load of your Myspace / Facebook pals the super-fan treatment.
Sure, most of us have seen personalised video apps before. But I do think the Fan Video app moves things on a bit. In fact, I think it's made with three fresh ingredients that will be part of the mix in most of our best BBH London work this year.
Agency types get very excited about whizzy new technologies. Apparently, "any sufficiently advanced technology is indistinguishable from magic". And boy, do we love magic. It's what our clients pay big bucks for. We spend countless hours trying to conjure up little bits of it. So when ACME Tech serves up another massive blob of ready-made magic there's a rush to give it a branded twist. AR bog roll? Awesome!
Problem is, some of this pure techy magic is losing its allure. Out in the real world people are suffering innovation fatigue. They've seen a thousand tech firsts and the give-a-fuck bar is iPhone high. You can dress that bog roll up in in AR magic clothes, but it's still just bog roll. Where's the good stuff? The funny, emotional, cool stuff? What's there to LOVE?
With the Myspace Fan Videos, the magic isn't in the tech. It's in the moment when 50 Cent hangs a picture of you on his wall, or Alicia Keys sings you a song. Sure the magic is tech-fuelled, but it's the twisted cultural content, the playful reference to things I love or hate, that really makes it. Tech is the means, not a magical end in itself.
Tech magic is out. Loveable magic is in.
One of the things we've become more and more sure of as an agency is that we can't do everything. Not on our own, anyway. And certainly not to the 'best in class' standard our clients demand. We've got bags of creative talent in the building, but to make truly awesome, loveable magic, we need the help of great craftsmen from outside BBH. These aren't just suppliers or production companies. They won't settle for a white label. These are creative partners who respect the vision, shape the execution and share the credit.
I spoke to Dom Goldman, the BBH Creative Director on this project, and it was refreshing to hear him say that the Myspace Fan Videos couldn't have been made without Pulse Films (who shot them), Absolute Post (who did the post production), and Domani Studios (who built the application). More importantly, they couldn't have been made without genuine collaboration between that network of partners. Let's call this process 'collaborative craft'.
If you watch the Alicia video carefully, you can see the reflection of your Facebook profile pic in the glossy piano surface. That isn't off-the-shelf tech. That's collaborative craft. Dom's creative team obsessed over those art directional details. Absolute advised on special filmic effects. And Domani coded away until they were subtlely, perfectly achieved.
We sometimes fool ourselves into thinking that people can't wait to participate in marketing, and will happily jump through branded hoops.
Most personalisation apps I've used in the past have asked me to answer several questions or find and upload an image. Sharing has tended to mean entering lists of email addresses or choosing from lists of buttons. Those are pretty big demands at every step of the experience.
By focusing on the simple and specific request for your Facebook Connect login, the Myspace Fan Video app makes that experience faster, simpler and more spreadable (auto-post your fan video to newsfeed, batch-create fan videos for your friends). The use of Connect also amplifies the magic. You don't know the app has scraped your Facebook profile image until you see it spinning round on David Guetta's turntable.
Stepping back from the content, it's just very cool to offer Facebook login for a Myspace promotion. That's confident, user-centric behaviour. It makes my life a little more convenient. It says "we're not trying to replace Facebook, we're different".
And isn't that all Myspace need to say, really?
Check out the work here and let us know what you think:


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Well, that settles it.
Heavy sarcasm aside, we do have the major stock indexes hitting record highs in a still-lousy economy. And thanks to that lousy economy and the Fed's expansionary monetary policies in response to it, we have interest rates near record lows, which by itself does a lot to raise stock prices. (You can explain this either as borrowing costs to buy stock being cheaper than ever, as the returns on a major stock substitute [bonds] being at record lows, or as the low interest rates raising the intrinsic, or present discounted, value of future stock earnings. These explanations are not mutually exclusive.) But does that make the current stock market an out-of-control bubble? The Fed has cut interest rates many time over the decades without creating stock bubbles. Let's take a closer look.
Since there is normally some inflation in the economy, a better way to look at stock prices is to adjust them for inflation. J.C. Parets has done this. His index was last updated for Sept 2013, at which time the real (inflation-adjusted) S&P 500 index was 1729.86 (these numbers seem to be in 2011 dollars). Parets emphasized that this amount was 20% below the real peak value of the S&P, from March 2000. But March 2000 was no ordinary peak but the height of the dot-com bubble. The market could still be grossly overvalued yet be 20% below that amount. And the market has continued to soar in the two months beyond Sept 2013; the S&P is up another 8%, so now it's about 12% below its all-time bubblicious peak. Two lessons I draw: (1) stocks have been a lousy investment over the past 13.5 years, averaging about -1% per year in real terms, with a ton of volatility; (2) stocks could well be a bubble right now, but how large a bubble?
A still-better way to look at the stock market is the price-earnings (P/E) ratio. The measure here compares the current prices of the 500 stocks in the S&P index to their companies' profits over the past 12 months. This chart is updated every trading day, but right now the P/E ratio is 19.87, compared with the historical averages of 14.5 (median) and 15.5 (mean). The all-time high was 123.8 in May 2009, and the all-time low was 5.3 during WWI. One could compare the current P/E of 19.87 to the historical averages and conclude that the market is about 28% overpriced (19.87 / 15.5 = 128%).
But we're still not done. The appropriate P/E is not the same at all times. When interest rates on corporate bonds (the leading alternative to stocks) are very low and expected to stay that way for a long while, the P/E should be higher. Right now the interest rate on A-rated 20-year corporate bonds is 4.71%. An economist-approved way to compare stocks and bonds is to compare the P/E on stocks to 1/i, or 1 divided by the long-term interest rate. If investors were indifferent between bonds and stocks and cared only about their expected return, P/E and 1/i should be equal. (The 1/e ratio gives you the present-day value of a fixed-income investment that pays you $1 per year forever when the interest rate is i forever.) Right now, 1/i = 1/.0471 = 21.23, which would suggest that stocks are a bit under-priced relative to bonds. Except (if you can stand yet another about-face) there is no good reason why investors should be indifferent between bonds and stocks. Most people are risk-averse and would therefore prefer a guaranteed real return of, say 2% on bonds than an expected 2% return on stocks that could wildly fluctuate. So with normal, risk-averse investors, P/E should be somewhat less than 1/i. And with interest rates expected to rise someday, even if not any day soon, we should probably plug in a somewhat larger value of i than 4.71%. If we plug in 5% instead, then 1/i = 1/.05 = 20, just a tad higher than the current P/E of 19.87, which now looks too high. Not necessarily scary-bubble high, but overvalued just the same.
So when you think the market is a little overvalued but not necessarily a lot, should you dump your stocks? I guess that I just don't know.


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Here's the right way to build your own custom cabinets. This video is part of Sweat Equity show . SHOW DESCRIPTION :How about increasing the value of your home by $10,000 in just two weekends? Sweat Equity shows you how to determine which home improvement projects will return the most bang for their buck in your area. Is it better to install new kitchen cabinets or just reface the old ones? Are granite countertops really worth the cost? Should you put more money into your bathroom or your kitchen? Host Amy Matthews helps homeowners tackle the projects themselves with national experts in the worlds of finance, design and home remodeling giving tips and techniques on saving money along the way. Each episode ends with a reveal of the grand total-how much did the home's value go up? With a little bit of knowledge and a little bit of sweat, you can build a whole lot of equity-and a much nicer home too!
Home DIY Network Sweat Equity IQ: Cabinets-DIY


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Synchronized Security で連係するファイアウォール
A chain letter has been distributed claiming that young children in South
Africa have been raped by men with AIDS. The chain letter continues to
claim that the government is closing the South African Child Protection
Unit, and urges recipients to sign a petition.
However, the truth is that the South African Child Protection Unit is not
being closed down. In fact, it is being expanded.
The South African Child Protection Unit has published information about
this chain letter on its website.
The text of the chain letter typically reads as follows:
Subject: FW: Child rape petition - pls pls sign
Subject: CHILD-RAPE
Last week a 3 year old girl (in South Africa) was beaten and raped. She is
still alive. The man responsible was released on bail yesterday. He is
walking the streets. If you are too busy to read this then just sign your name and
forward this on. The Government is planning to close the child protection
unit and this is a petition against it. This is a very important
petition. It is an essential part of the justice system for children. You may have
already heard that there's a myth in South Africa that having sex with a
virgin will cure AIDS. The younger the virgin, the more potent the cure.
This has led to an epidemic of rapes by infected males, with the
correspondent infection of innocent kids. Many have died in these cruel rapes. Recently
in Cape Town , a 9-month-old baby was raped by 6 men. Please think about
that for a moment. The child abuse situation is now reaching catastrophic
proportions and if we don't do something, then who will?
Kindly add your name to the bottom of the list and please pass this on to
as many people as you know. If you are signature no.: 120 - please forward
the mail-list to email@example.com Please don't be complacent,
do something about the kids of South Africa . You can make a difference.
That child is fighting for life. This is just one of the million cases of
child abuse, so please pledge your support and help keep CPU (CHILD
PROTECTION UNIT) open. Please give your support to the petition and ensure that it
goes to as many people as possible. Please don't just leave it, make a
difference. In order to write your name copy this message and paste it in a new mail
(compose). Or click on forward and add your name to the list and send it on to others.
Again, if you are number 120 please send this to
Sophos Ltd. All rights reserved.