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Yesterday I made the trip back to Andong, a small town in the Gyeongsanbuk province of Korea. I lived in Andong for a year, and left there in February of this year with a mixture of feelings.
I went with a friend and old co-worker of mine, Dana. She invited me to go and stay with her at her grandparent's home. It is a home and family that I love. Dana's grandmother greeted me just as enthusiastically as she did her own granddaughter, and then thrust food upon us, something that continued for the next 24 hours! I came home, to Gumi, feeling a few kgs heavier and a little lighter in my soul.
Going back to Andong gave me the chance to reflect on what it actually meant to live there. I realised that in one year I had become a little part of the fabric of that community. That, somewhere in the minds, and hopefully hearts, of some people, I would be remembered. That I had made an impression on them. The old woman who I used to try to practice my Korean on, clapped and laughed when I went to say hello to them. They wondered where I had gone. They were happy to see me. I could tell my the size of their smiles and their curious eyes. The pavement felt familiar underneath my feet. I could see my past self walking to and from the farmer's market to buy my weekly groceries. I felt my feet running along river side park. I heard my friends' voices and laughter. I looked for my old students and co-workers' faces in everyone I came across.
My time there had, on the whole, been really good. It was in Andong that I came to love Korea, the food, the country side, the people, the soju and beer hofs, the teaching and the culture. Amongst all the good times were also some not so good times. I struggled with relating to and understanding my co workers and the Korean work culture. I had trouble with out-of-control students and how to effectively teach them.
Andong represented many things for me. It gave me the fresh start that I needed and it was the place where the journey that I am currently on started. It is where thoughts and ideas that I had previously felt too afraid to let surface, came alive.
Going back to Andong, above all, made me realise that the most important thing that we can do is to foster good relationships with people. To cherish our friends and to know, especially when travelling, that even though the flow of relationships is so transient in terms of place, that they don't have to end, and they won't if you don't let them!
Kate x


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7-9 July
All over town
This year we have a mix of hillside terraces, large and small spaces, allotments, quirky clusters and a magical riverside walk. Most gardens can be found within (uphill) walking distance of the town centre. The garden clusters on Birchcliffe, Slater Avenue and the riverside walk can only explored on foot, although there is parking nearby. Most gardens are open 11am – 5pm on both days. Some of the gardeners are offering refreshments. The gardens are signposted and should be easily located. Please be respectful of each property and take care at all times, especially if it is wet underfoot.
See Hebden Open Studios & Open Gardens Programme here.

subset: commoncrawl


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| 6/3/2018 5:27:00 pm
Get this baconby Fred da Bier Guy!
I am very pleased with this slab bacon. The flavor is delicious. Finely-diced, it renders well and gets nice and crispy. The rendered fat was perfect for my slow-cooked sauerkraut recipe: Dice the bacon into small bits and allow to render until the bacon pieces are crispy. Remove the bacon bits from the pan and save as a garnish. To the rendered bacon fat in the pan, gently saute finely-diced onions (at least 1/2 cup of onions) until translucent. Add a six-serving can of sauerkraut (I like Hengstenberg Mildessa brand) to the pan. Add about a cup of water and plenty of pepper. Cook the sauerkraut slowly, checking from time to time to make sure that it isn't getting too dry or sticking to the pan, FYI: BURNED SAUERKRAUT is a no-no! You know it's ready when it tastes great!! Before serving the sauerkraut heat up the bacon bits and sprinkle on top. Some people like to add a few juniper berries or some caraway seeds to Sauerkraut, but that's not really my thing. But I won't judge if YOU like those additions.


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First, let me start by saying this. Wonder Woman is just that, a wonder. A mystery never to be solved. Strong, powerful, compassionate, beautiful and has a heart to save the world from all that is evil.
So where has she been hiding? I usually like to hide in the bathroom. You know in case of an emergency. But when things get tough out there and I have to make a quick decision, the closet takes a close second. Where I stash the good stuff. You know the stuff that puts the WO in Woman.
I think I know the real reason she's been hiding. She makes me feel like it's ok to rock my leggings 3 days straight because I haven't seen her change her outfit in decades! You don't need to feel embarrassed Wonder Woman. Thank you for making me feel beautiful in my stained and smelly 3 day leggings and unwashed hair.
I think I know the real reason she left her island home to conquer the world. I mean, who wants to lounge around on a tropical island tanning themselves while sipping mojito's all day? Yes, I'd like to leave all that. Said NO WOMAN EVER! But I get it. There was a higher calling.
Tired of comparing yourself to Wonder Woman and always falling short? Feeling like you're taking the weight of the world on your shoulders raising little ones, keeping your marriage sizzling and being the chairwoman of every organization available out there.
Are you an over worked, over tired mom just trying to keep it all together? I thought that was the very definition of motherhood; over worked, over tired and underpaid! All you're asking for is a little appreciation. Maybe even a small pat on the back, I know, crazy talk here.
Are you looking for someone to say, you're a great mom! You're doing a wonderful job! It's completely normal to hide in your closet eating chocolate and having a sip of boxed wine that you stashed away just for days like this (everyday).
If so, look no further. You are in the right place.
Back to Wonder Woman. Where is she hiding? I think you better take a look in the mirror.
She's right there staring back at you. She may not have beautiful raven locks flowing down her back, sexy knee-high red boots, or that perfect hour-glass figure staring back you (or maybe you do). But what she does have, is the face of a warrior, a fighter who takes on the challenges of the world each day by fighting off evil to protect her children, her family, her marriage and herself. She has the scars and the wounds to prove that she has been in battle for years maybe even more than she can count.
She faces each day with tenacity, kindness and love. She conquers to-do lists, the jobs of multiple other individuals (cleaning lady, taxi driver, career woman, counselor, chairman and CEO) athletic schedules, homework and dinner. She keeps everyone alive.
She stands stunningly beautiful beneath the unshowered scent, ponytail and lack of make-up. She is a wonder. A true beauty among beauties. A mystery yet to be solved.
She is Wonder Woman.
She is YOU.
Now go put your cape back on and get back to saving the world ! Or at least the small humans parading around your living room in their underwear.
And sometimes even Wonder Woman needs a day in her closet eating chocolate, drinking boxed wine and dreaming of tropical beaches and mojitos.


text:
Separate names with a comma.
Sign up and join the largest 3D Robotics drone community!
I'm re purposing a pelican box I have to use for when flying. Will post more pics as work on it.
Will put a 12 battery and power source.
28 in...
Looks like the Mobile Hood.
3DR Tablet Screen Hood - 3DRobotics Inc
I want to use something a little bigger than my phone and Im looking for suggestions or recommendations on which to use. What works well, what...


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Am considering redoing my wood floors in my tiny tiny cottage in the Hollywood Hills.
I love a herringbone patterned wood floor. This English house has herringbone floors and I love. My preference would be to have this pattern wood floor but in a much darker stain (somewhere between brown and black) and letting the natural grain of the wood show through so it feels a bit rustic.
Check out the floors in this house...not the color...check out the pattern...do you like?
What do you think of this pattern of wood floor? Like or dislike? Why or why not? Should I venture to put a darker version of these floors in my little cottage in the Hollywood Hills? Or should I just go for a basic dark wood floor? Oh me oh my...what's a girl to do?!?
Please weigh in!
Happy Friday!
P.S. Had a great lunch with AA and ST yesterday at some organic healthy food place in Culver City called Akasha - the decor was fab and the food was delish. Somehow though the organic healthy food place served burgers and pizza. Hmmmm. I stayed true to the restaurants alleged vision and had the very healthy quinoa and it was delicious! Hmmmm...I might officially be on a health kick (what?)....oh dear...I take that back...I don't like those people who always talk about being healthy and kind of look down on everyone else who eat all kinds of food. I still have not had bread, pasta, sugar or dried mangoes...the things I gave up for Lent...even though Easter has come and gone...that is the only reason I've mentioned health kick. I'd like to note that I have had champagne and french fries since Easter...so I guess I'm on a COCOCOZY version of health kick! Quinoa, kale, champagne and french fries! Woohoo!!! :-)
P.P.S. Last night went for drinks at Cecconis again...met up with interior designer Emily Ruddo of Armonia Decors and had some nice champagne and snacks.
P.P.P.S. I've been invited to a dinner party tonight. A guy friend I know invited me...I know he'll never read the blog so I'll chat about my non dilemma dilemma. Have been running around like a chicken with no head with my regular work and my COCOCOZY collection work...not a moment to breath. Do I go to the dinner party or stay in this Friday and rest? I've been out every night this week. Help. A first world problem I know...but...
P.P.P.P.S. Happy Friday!
Photos: Light Locations
You have read this articleexposed beams / herringbone wood floors / open kitchen / traditiona home / wood / wood floors with the title J'ADORE HERRINGBONE WOOD FLOORS!. You can bookmark this page URL http://nbaynadamas.blogspot.com/2012/04/j-herringbone-wood-floors.html. Thanks!
Write by: AN - Friday, April 13, 2012


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The technique was used in advertising to generate awareness with new products. Hidden subliminal messages transform knowledge into a fondness for the new products. Johan Karremans says that hidden subliminal messages have a profound result when the messages are goal-oriented. Johan Karremans did a study to determine whether hidden subliminal priming of a brand name of a drink would affect a person's choice of drink, and whether this effect is caused by the individual's feelings of being thirsty.
The concept of hidden subliminal messages is now a business in itself. Most of these businesses claim a better memory or self-esteem while suggesting subliminal self-help tapes and CDs. These tapes or CDs did not generate an effect beyond a placebo, or an individual's expectation of their effectiveness
Though many things can be perceived from hidden subliminal messages, only a couple words or a single image of unconscious signals can really be internalized. As word or picture can be efficiently perceived, the basic features of that picture or word will generate changes in behavior. This was clearly demonstrated by an experiment conducted by Byrne in 1959. The term beef was flashed for a few millisecond intervals during a 16-minute movie to experimental subjects, while nothing was flashed to controlled subjects. There is no report on the experimental or the controlled subjects for a higher preference for beef sandwiches even when provided with a list of different foods, but the experimental subjects did rate themselves as hungrier than the controlled subjects in a given survey. If subjects were flashed with whole sentence, words would not be perceived and no effect would be generated.
Backmasking is a recording technique in which a sound or message is recorded backward onto a track that is meant to be played forward. During the 1970s, media reports raised a series of concerns of its effect on listeners, stating that demonic messages were influencing its listeners to commit suicide, murder, or any deviant action all of which were rising at the time.
The success of hidden subliminal messages has been demonstrated to prime individual responses and stimulate some emotional activity. Most research psychologists agree that hidden subliminal messages generate a potent, lasting outcome on behavior. The laboratory research shows significant, lasting effects on one's thought. The priming of thirsty people with a subliminal message may, for an instance, make a thirst-quenching drink ad more convincing.
Research upon claims of a long-term effect such as weight loss, quitting smoking, how it can facilitate unconscious wishes in psychotherapy. In a mid-90s comparing TV ads with message using either supraliminal or subliminal, individuals form better ratings with those that were supraliminal. Unexpectedly, people were less likely to keep in mind the subliminal message than if there were no message.
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The Story Behind Hidden Subliminal Messages


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In response to figures published on August 15, 2017 by Cancer Research UK which show a 31 per cent decline in bowel cancer deaths over the past 20 years, Judith Brodie, interim chief executive at Beating Bowel Cancer said:
"Bowel Cancer is the UK's second biggest killing cancer, so such a significant drop over the past 20 years is good news. Yet, more lives can be saved.
"Incidence rates increase sharply from age 50, however, the current screening age in England, Wales and Northern Ireland is 60. We want the government to reduce this to 50, in line with Scotland.
"Being diagnosed with bowel cancer at an early stage offers a 97% survival rate, whereas diagnosis at a later stage can reduce survival odds to as little as 7 per cent. If we are to continue with this downward trend, then we need more people taking the test."


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Today's Featured Artist: Michael Godard
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The Metronome by Helmut Rottler - 10" x 8"
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my sense of the actual state of earth
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"We're All Mad Here…."
Ever heard of the Perky Effect? It sounds cutesy-poo, but it's an effect that has led to a decades-long investigation that reveals a startling truth. Even if you don't consciously control your dreams, you probably think you control your daydreams. But that might not actually be true.
read more This Strange Phenomenon Allows Scientists To Control People's Daydreams.


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Vote yes on 81
Vote no on demagoguery
17-May-06. I'm a very principled voter when it comes to ballot initiatives: Just say 'no'! But for this election I'm forced to abandon that principle in favor of a higher principle: Damn the demagogues!
Being the conscientious citizen that I am, I began to leaf through the voter information guide. The arguments against Prop 81 absolutely dismayed me. I will vote for that proposition, just to protest the slime oozing from its opponents.
Proposition 81: California Reading and Literacy Improvement and Public Library Construction and Renovation Bond Act of 2006
• "We should not spend $9 billion a year on welfare for illegal aliens, and then borrow money for libraries."
• "A no vote forces free spending politicians to cut welfare for illegal aliens to pay for our libraries."
• "Yes, they could [use other money for libraries], but that means the politicians would have to take the money from their pet projects, like welfare, free health care, and reduced college tuition for illegal aliens, and give it to libraries."
• "We spent $9 billion on illegal alien welfare last year, yet the state can't find one dime in money for libraries, and has to borrow money again?"
• "These politicians want our children and our grandchildren to keep paying more and more, so they can keep giving more and more of their money to illegal aliens and self-indulgent bureaucrats."
• "Instead of letting them borrow the money, we need to tell them to take the money away from the illegals, and give it to us in libraries."
This disgusting bilge is signed by Assemblyman Ray Haynes, Member, California State Assembly; Lew Uhler, President, National Tax Limitation Committee; and Jon Coupal, President, Howard Jarvis Taxpayers Association.
Ray Haynes, Assemblyman
Jon Coupal, Howard Jarvis Taxpayers Assoc
Lew Uhler, Nat'l Tax Limitation Comm
People can be for or against spending more money on public libraries. That's okay. It is not okay to fan the flames of discrimination and hatred by blaming illegal aliens. The sugggestion that California's budget woes and misplaced priorities is because of illegal aliens is not only preposterous, it is misleading and appeals to fear and xenophobia.


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The perfect long-lasting bike you need to learn all the tricks in the book and then some.
This bike is pictured without a front brake but will be supplied with a front brake fitted to make it legal for road use.
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Blue Lagoon Wellness Center, 1202 Floral Parkway, Wilmington
Tuesdays 10-11 AM
Cost: $15 single class. Punch cards available: 5 classes/ $65; 10 classes /$110.
All sessions are adapted to meet clients' needs including use of a chair.
These classes are designed to incorporate Reiki, Hatha Yoga postures, Phoenix Rising Yoga Therapy process, Guided Meditation and crystals to help release blocked energy and form new patterns of attunement to peace within body. mind and spirit. Reiki energy magnifies everything you set an intention to improve. We visualize and utilize this high vibrational energy to promote greater release of tension and restoration of peace.
Appropriate for all levels of ability. No prior Reiki or Yoga experience is necessary. Reiki practitioners may realize greater chakra opening!
Beneficial for all mental and physical health challenges including addiction, anxiety, stress, chronic pain, recuperation from injury or illness and cancer.
Reiki Inspired Yoga in Leland to begin spring of 2018 ! Watch for the schedule postings for classes and hikes in Leland !
Available upon request. I am willing to travel to homes within the Wilmington area. I can help you create a plan of movement and meditation specifically designed to meet your needs. Includes chair or floor Yoga and Reiki.
Call for current rates.
YOGA HIKES in Carolina Beach
YOGA HIKES in Leland
Rejuvenate in nature with these mini retreats incorporating beginning Yoga postures, Silent Meditation and Hiking. We connect deeply with the natural energies of Earth, water, air, sun, plants and animals to bless them and restore with them. We meet at Carolina Beach State Park and Brunswick Nature Park. Look for postings in upcoming events!
I love to turn people on to Yoga! I am available for Chair Yoga classes in corporations for staff care. Call for rates.
I have years of experience teaching seniors and adults with a variety of health challenges. Sessions involve warmups, poses moving from chair to standing and guided meditation focused on healing. Sessions offered for wheelchair bound students also.
My intention is to help you to empower your own innate healing process through release of trapped energy with restoration of strength and balance.
Call for rates.
My Nursing background of over 32 years has groomed me as a health teacher and facilitator of groups. I have designed my Yoga teaching based on my knowledge of the medical and natural healing worlds. My practice as a Phoenix Rising Yoga Therapist helps people release old patterns within the body and mind allowing a rising of the spirit towards wellness. I incorporate Usui Reiki techniques and visualization into each class.
I LOVE to practice outside to engage with the vibrations of nature !!
STUDENTS receive 20% discount for Reiki Inspired Yoga classes
Check out this great video


text: News Goossens and Frietag on Freedom Honor Flight By Peter Hawley - October 3, 2017 214 Share on Facebook Tweet on Twitter Jerry Goossens, left and Ralph Frietag recently had the opportunity to participate in a visit to the nation's capitol courtesy of the Freedom Honor Flight. While in Washington, D.C. the Korean War veterans visited the World War II memorial, the Korean War memorial, the Vietnam Wall, Arlington Cemetery and Pentagon, among other places. … This content is for $10 per year members only.Log In Register


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Norman Insurance Service, Llc was founded in 1994, and is located at 415 E Commerce St Ste 102 in Greenville.
Norman Insurance Service can be found at E Commerce St, Ste 102 415. The following is offered: Insurance. The entry is present with us since Sep 9, 2010 and was last updated on Nov 14, 2013. In Greenville there are 11 other Insurance. An overview can be found here.


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PREVIOUSLY — Smokefree advocates strike out at D.C. Council over budget vote — U.S. attorney Machen addresses D.C. probes in radio interview
Most likely, the major finding of a new poll by the Washington Post and the Kaiser Family Foundation will not strike you as particularly surprising: Mayor Vincent C. Gray is significantly less popular than he was shortly before his primary victory over Adrian M. Fenty. But here's the more worrisome figure for city politicos: "Since August of last year, there's been a 10-point drop in optimism about the way things are going in the District," and "[f]or the first time in Post polls back to 2000, a significant percentage of registered voters say the city government — separate from crime and city services — is the single biggest problem they see as deserving mayoral attention." Today, in a second round of poll findings, Chris L. Jenkins, Theola Labbe-DeBose and Peyton M. Craighill look at where the city's divisions fall by race and where they fall by socioeconomic class. In most cases, it's class that matters most, showing that "the long-told tale of two cities — a Washington divided neatly along racial lines — is far more nuanced than typically described." Post polling director Jon Cohen and I will join Mark Segraves on NewsChannel 8 at 10 a.m. to discuss the poll findings. Learn more through a pair of graphics or view the raw poll data.
AFTER THE JUMP — More from the Post/Kaiser poll — ANC chair accused of stealing $30K — Colby King on money's corrosive effect on city government — did Jim Graham give out FBI-funded gift cards? — Joe Mamo says high gas prices aren't his fault — D.C. makes progress on HIV/AIDS
COLORED PERCEPTIONS I — From Monday's story: "[W]hen it comes to their outlook on the city, their own neighborhoods and certain aspects of the economy, higher- income African Americans have more in common with similarly wealthy whites than with lower-income blacks. But in many other important areas, the differences between blacks and whites persist, regardless of income level. Blacks with household incomes of $100,000 or more express significantly more sour views of the District's economy than do whites with similar incomes. Higher-income African Americans also are less secure than whites about their own financial well-being, more apprehensive about the spreading effects of gentrification and somewhat more critical of the state of race relations in the District. The overall results of the poll show that even as African Americans attain a higher economic status, their perspectives remain shaped by decades of economic difficulty and a sense that many blacks, including some in their own families, are still struggling."
COLORED PERCEPTIONS II — From Sunday: "The newfound focus on city government is more evident among white residents than among African Americans, but similar numbers of whites and blacks see corruption as a major problem in city government. Gray's personal ratings continue to be highest among blacks and black registered voters. Some 51 percent of African Americans approve of the way the mayor is handling his job, but that drops to just 27 percent among the city's white residents. The number of black registered voters who like the mayor is down somewhat, from 68 percent in August to 61 percent in the new poll. Among white voters, negative assessments have more than doubled, with 60 percent now holding unfavorable views. Although whites hold more negative views of Gray, the poll shows that new concerns about the mayor cross geographic boundaries. Negative ratings of Gray have spiked throughout the city."
KWAME — "Some 36 percent of District residents have unfavorable views of [D.C. Council Chairman Kwame R. Brown], who was hit with a formal complaint by the Office of Campaign Finance that his 2008 at-large reelection campaign failed to account for tens of thousands of dollars in donations. Slightly fewer, 30 percent, have positive views, and the rest are uncertain."
POLL REACTIONS — From WRC-TV, WTOP, WJLA-TV, WTTG-TV, and WAMU-FM.
MORE MISSING MONEY — The latest in Ward 5 government corruption allegations: WUSA-TV reports that ANC 5B Chairman William Shelton stands accused of stealing nearly $30,000 in city funds for kids and the elderly. Delia Goncalves reports: "According to the auditor, an illegally obtained Wachovia Bank ATM card was issued to William Shelton, the chairman of ANC 5B. ... Investigators allege $27,000 in cash was withdrawn from ATM's over the course of the year. Payments were also made to a dozen vendors including, AT&T, Bloomingdales, Target, and Lexus. A source tells 9NEWS NOW Shelton used a portion of the money to pay the car note on his Lexus. ... Gottlieb Simon, executive director of the office of ANC's says, 'This is a very serious situation that we need complete answers to.' Simon said Shelton was supposed to surrender the ATM card Thursday but never showed up to the auditor's office." As for Shelton's response: "When we stopped by his Montana Avenue apartment Friday to find out about the missing money, he would not talk to us. He later called and said he would have a 'complete explanation' on Monday."
MONEY'S 'EVIL BREW' — Colby King draws on his days writing the District's first campaign finance laws under home rule to offer some perspective on money and corruption: "In retrospect, our efforts were strikingly naive. We thought that placing strict limits on campaign contributions and spending, and imposing tough disclosure rules, would be well received in a city having its first partisan elections in 104 years. How silly of us." Local politicos upped the contribution limits to their current levels 20 years ago — "despite the fact that in a 1992 referendum, D.C. voters set limits of $100 for individual contributions to candidates for mayor, council chairman and at-large council members, and $50 for ward candidates." Now cash pours in to politicians via campaigns, constituent service funds and nonprofits, and they can pour it out via earmarks. The upshot: "The money sloshing around in the city these days is as amazing as it is unsettling. Money greases the way to access and influence. Money drowns the citizen's voice. Money and politics, as one political observer put it, are an evil brew. The pot is stirring in our city."
GRAY THE 'NONCOMBATANT' — A thought from Gary Imhoff in themail: "No politician in town has presented himself or herself as a credible opponent of corruption. No politician has tried. No politician has expressed any outrage about any charge that has been made against any of his or her colleagues. ... Gray hasn't shown any willingness, much less eagerness, to confront any corruption anywhere, whether in his own campaign, in any of the fiscal manipulations of councilmembers, or even in the Fenty administration that he campaigned against. Gray's only anger has been directed against reporters who try to give him an opportunity to express anger against corruption and scandals. The message that Gray sends to citizens is that, in the fight against corruption, he is a noncombatant."
GRAHAM'S GIFT CARD GIVEAWAY — City Paper's Alan Suderman has more from the Ted Loza tapes, specifically on whether Jim Graham himself benefited from Thanksgiving gift cards allegedly purchased by an undercover FBI agent. "There's no other mention in the court records of the gift cards; it's possible they never existed. Maybe none of what Loza is saying is true. ... But if the gift cards did exist, what happened to them? One possible explanation is the FBI's money went to help feed some of the Graham's low-income constituents." Graham did give gift cards shortly thereafter to needy constituents. Question: As an academic matter, is it kosher for a politician to pass out gift cards as though they were coming from the politician himself without reporting them anywhere? Answer: "Office of Campaign Finance spokesman Wesley Williams says that if a corporation or a person wants to give away items like food cards or turkeys directly to constituents, and a politician uses the giveaway as a photo op ... then those donations don't need to be reported." Graham's response to Suderman: "Didn't you know the 2nd gunman in the grassy knoll was to be entombed in Area 51 but the plane on which he was transported mysteriously disappeared in the Bermuda Triangle?"
DOWN WITH SUZANNE — In her Monday Examiner column, Jonetta Rose Barras returns to a favorite topic: Suzanne Peck, and how much she doesn't like her. Inspired by news that Peck will serve as a "pro bono senior adviser" undertaking a "Once City performance review," Jonetta writes: "It's all about Peck — not District residents. Even without cash, Peck could cash in. She would have enormous access and influence. And, if past is prologue, she wouldn't hesitate to leverage that to advantage her friends, helping them secure contracts under the guise they are uniquely qualified. ... Peck has proved to be a high-maintenance spendthrift and a serial violator of personnel and procurement rules and regulations. Tapping her to lead any effort to save money is incongruous." Cue a rundown of the several IG reports accusing Peck of flouting procurement rules to get things done fast — same thing, incidentally Barras hero Allen Lew is regularly accused of. Still, she writes, "Peck is bad news and unnecessary."
JOBBER JABBER — On Friday, a D.C. Council committee heard testimony on the latest attempt to prevent "jobbers" — gasoline wholesale middle men — from operating retail stations. There gas mogul Joe Mamo of Capitol Petroleum Group, who would be most affected by the legislation, defended himself against accusations that he's gouging gas retailers and consumers. Tom Howell Jr. recaps the proceedings for the Washington Times: "Mr. Mamo agreed there are high prices in the District but noted that certain retail dealers are to blame for setting high prices at the pump, and it would be fairer to analyze the situation on a station-to-station basis. 'You have the wrong person under legislative scrutiny here,' he told the committee. 'I struggled, I worked hard and I'm here today ... It's not my fault, it's not my fault.'" The AAA testified in favor of the bill, which has strong support from Mary Cheh and Phil Mendelson; Jesse Jackson's Rainbow PUSH Coalition has come out against the bill, and Vincent Orange was a leading skeptic at the hearing, noting that "no one has established that Mr. Mamo is the cause of price increases." Also WJLA-TV.
'REAL PROGRESS' ON AIDS — David Catania explains in a Post op-ed why the new HIV/AIDS numbers are encouraging, and why the District should get used to having an epidemic level of the disease for some time to come. The new numbers, which show a declining number of new HIV/AIDS cases, show that the city's "prevention and treatment programs ... are aggressive, innovative and effective. ... While we continue to suffer as a result of earlier inaction, last week's report shows that we are not doomed to repeat history. In fact, the latest data reveal that we are making significant progress confronting HIV/AIDS." The sobering news: "Ironically, as we continue to aggressively confront this disease, our overall HIV/AIDS rate will continue to remain high. Expanded testing and enhanced treatment will result in HIV-positive individuals living longer and healthier lives, which is a good thing. Unfortunately, it also means that we will live with epidemic levels of HIV/AIDS for some time to come." See also the response from Whitman-Walker Health.
FEWER NEW PRINCIPALS — The churn through DCPS principals that started under Michelle Rhee's tenure as chancellor is now "subsiding somewhat," Bill Turque reports at D.C. Schools Insider. "Just 19 of 125 school leadership posts will change hands this summer, Acting Chancellor Kaya Henderson told the D.C. Council. ... That compares with the 46 new principals [Rhee] put in place for the 2008-09 school year, 24 in 2009-10 and 28 for the academic year ending today. In all, Rhee turned over more than 90 principals' posts." That said, Bill adds parenthetically: "I actually count 20, and I hear that the list might get a bit longer." Also: On Sunday, Bill looked at how DCPS, with the help of the Gates Foundation, is putting cameras in the classroom in order to assist in teacher hiring and "capture the elusive recipe for teaching's 'secret sauce' — the attributes and practices that make educators effective. ... The D.C. Public Schools hiring initiative is unusual because officials are relying on cameras at the front end, using classroom video to help screen job candidates. 'For many years DCPS was known as "Just show up and you'll get a job,"' said Jason Kamras, chief of human capital for the school system. ... 'We would like to be one of the elite places to teach in America and for people to know that you've got to be really good to teach in DCPS,' Kamras said."
WHAT ABOUT CHEATING? — Jay Mathews keeps the heat on Henderson and her response to DCPS cheating allegations. At her confirmation hearing last week, he writes, "No one asked her any detailed questions about how she planned to address this embarrassment. The question has been pushed so far into the background that otherwise intelligent commentators have suggested that Henderson's recent announcement of minor sanctions at three schools for testing irregularities meant the problem was solved, even though her actions had nothing to do with erasure rates. Administrators don't want the system's reputation further tarnished. Henderson doesn't want to hurt teacher morale. But our schools' successes and failures are going to be judged by those test results. If the scores are the product of cheating and not genuine student achievement, we are lost."
MIND THE PARKS — "[E]ncroachment on the national parks' corridors of land and water is an ever-present danger" in the District, Neal Fitzpatrick of the Audobon Society and ANC commissioner Kent Slowinski write in a Post op-ed. That, they say, includes Georgetown University's plan to run 233 buses a day along the western edge of its campus — thus despoiling Glover-Archbold Park. Other past and present blights: cell phone towers, the DHS expansion on Nebraska Avenue NW, residential fences and walls. "On Monday night, the D.C. zoning commission will hold its final hearing on Georgetown University's plan. The National Park Service must be more vigilant and work with concerned neighbors and elected officials to defend our national park sanctuaries in the District."
Gray says feds need to help with job training (WTOP)
Rapes went up in 2010 — by 20 percent or by 11 percent? (Examiner)
Finally: PERB nominees! (D.C. Wire)
Woman says police took phone after recording Chinatown beating aftermath — for taping the crime scene or for taping the crime? (WRC-TV)
Mount Pleasant standoff "raises, not for the first time, some questions about whether MPD is properly prepared to deal with the mentally ill when or if they become violent" (City Desk)
Ron Machen: I am serious about public corruption (WTOP, DeBonis)
How the bank accounts of local members of Congress stack up (Post)
Dan Snyder's City Paper suit will indeed test new anti-SLAPP law (City Desk, Post)
Deborah Simmons: "The chickens have come home to roost, and the poop is all over the John A. Wilson Building." (WaTimes)
Joint operation jails 88 deadbeat dads (Crime Scene)
Former U.S. attorney's D.C. stint comes under scrutiny during bench confirmation (Legal Times)
Adrian Fenty still a triathlete (Reliable Source)
Patrick Mara likes Jon Huntsman, who likes D. C. voting rights (Huffington Post)
West End developers looking for "flexibility" on inclusionary zoning (WBJ)
Madame Tussauds sues Doug Jemal (Housing Complex)
Restaurants vs. food trucks: an update (WAMU-FM)
Other ways the city could spend its "magic money" (WaTimes)
John Mica (R-Fla.) explains his crusade to evict the Federal Trade Commission (Post)
Some Columbia Heights residents go ape over 11th Street coffeehouse (Housing Complex)
Parenting in D.C.: a dissenting view (WBJ)
Gray in Baltimore for U.S. Conference of Mayors meetings — D.C. Council hearing on nominations of Allen Lew and Adam Clampitt to the D.C. Water board, 10 a.m. in JAWB 123; hearing on Real Property Tax Appeals Commission (B19-271), United House of Prayer property tax exemption (B19-295), vault tax (B19-208), "Clean Hands Amendment Act of 2011" (B19-248), 10:15 a.m. in JAWB 120; revenue bond approvals for Association of American Medical Colleges, Capital City Public Charter School, Capitol Hill Day School and MVM Technologies Enterprise Zone, 11 a.m. in JAWB 120; roundtable on home foreclosure prevention programs, 1 p.m. in JAWB 412; hearing on H Street NE, Gales School surplussing resolutions, 2 p.m. in JAWB 500


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Because I like hyperbole! And exclamation marks!
I have alluded to my love-hate (mostly hate) relationship with flashcards on the blog before, but have never really explained why I loathe them so. Yes, I understand they are a fantastic way to learn discrete facts. But (and it's a big but[t]!) there are a lot of facts one needs to know for medicine.
The pre-med years were an explosion of flashcards. I would almost clear the shelf of index cards at the drugstore, The Husband would cut them into quarters, and it still wasn't enough. He was always running out of blank ones.
On top of that, they were everywhere–all over the counters, fallen behind the bed, and in every pocket of his that I emptied for laundry.
It took a year before I thought I purged the house of them, yet we still found more when we packed up to move.
The Husband made perhaps two class days' worth of flashcards (already in the dozens) and I may have thrown a mini-fit and/or had an episode of PTSD. Details are sketchy. We'll never know for sure.
Since his new tablet computer came in the mail that day, he downloaded the Anki flashcard app. He can create flashcards with words, pictures, chemical notation, mathematical formulas, etc. and here's the best part: They're only electrons. Electrons are so much smaller than pieces of cardstock. I don't mind if a stray electron falls behind the desk.
Electrons can be sent from one device to another. He can create flashcards on the desktop and review them on the tablet. He can access them on the Internet. He can even send them to friends.
He can organize the flashcards into "decks" for the different tests or different subjects. He can rate each one on a scale from easier (shows up less often) to more difficult (shows up again soon).
The house is so much cleaner with no baskets full of cards! Best app ever!
UPDATE 7:50 PM: The Husband mostly likes it, but says Anki does have a tendency to crash.


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Latest update June 21st, 2018 12:40 AM
Sep 17, 2015 Top Stories 0
KARACHI: A dead body of an unidentified woman was found in pieces from two separate areas of Karachi's Malir Town Wednesday.
The body is apparently of a young woman, who was murdered brutally and then cut into pieces before being dumped and hidden, police sources told media.
The body pieces stuffed in shopping bags were recovered from the main National Highway and railway track in Malir area of the city.
The body was shifted to Jinnah Post-Graduate Medical Centre (JPMC) for an autopsy to determine the actual cause of the death.
Malir City Station House Officer (SHO) Mohammed Ishaq said DNA samples were collected to identify the woman while investigations are under way to determine the motive of the murderer and the cause of crime.
According to a Human Rights Commission of Pakistan (HRCP) report published in a newspaper in April, the number of women killed in the first quarter in Karachi has dropped to 25 this year from last year's figure of 55.
Of them, 14 were killed by relatives last year and eight this year. Besides, 23 women were killed by unidentified people last year, while number of such murder cases reduced to 13 this year.
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The 2018 Boao Forum for Asia (BFA) annual conference is scheduled for April 8 to 11 in Boao, Hainan Province. The forum will be themed "An Open and Innovative Asia for a World of Greater Prosperity."
— The Daily Mail - People's Daily
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Imapct factor(SJIF): 6.56
A Refereed Monthly International Journal of Management
|Editorial Board
Does Momentum Combined with High Book-to-Market Strategy Offer Better Returns to Small Investors in India
Navdeep Aggarwal
Dr. Navdeep Aggarwal is Assistant Professor of Business Management with the School of Business Studies, Punjab Agricultural University, Ludhiana. His contact address:
School of Business Studies
Punjab Agricultural University
Ludhiana, Punjab, India
Telephone: +91-98723-23737 (M)
Email: firstname.lastname@example.com
Does Momentum Combined with High Book-to-Market Strategy Offer Better Returns to Small Investors in India
Momentum strategy proposed by Jegadeesh and Titman (1993, 2001) virtually became a benchmark for researchers in the area and even a suggestive strategy for practitioners. Similarly, investment strategies focused on buying stocks with high book-to-market ratio produced higher returns than growth stocks and this phenomenon too was observed nearly all over the world. This study focused combining these two widely celebrated investment strategies from stand point of a small investor who faces all sorts of transaction costs and trade restrictions. The objective was to see if combining the two strategies could improve his returns vis-à-vis pure momentum strategy. Because of the exchange imposed restrictions and huge costs associated with short selling, only long side of the trade was implemented with portfolio size restricted to top 15 stocks, both for pure momentum and momentum combined with high book-to-market strategy. Net returns figures were generated for all 16 combinations of 3,6,9, and 12 month portfolio formation and portfolio holding periods. Returns were adjusted for risks under Fama-French (1993) conditions to arrive at the actual returns added by the strategy. Results showed that the pure momentum strategy was profitable under shorter formation and shorter holding periods of 3 months. On combining the momentum with high book-to-market, noticeable improvement in returns was seen across all combinations of formation and holding periods. However, even now, the shorter formation and holding periods of 3 months produced the best returns. Amidst competing explanations for momentum and high book-to-market phenomenon, the authors call for deeper research to understand returns from momentum and book-to-market phenomenon and even the proportion thereof.
Does Momentum Combined with High Book-to-Market Strategy Offer Better Returns to Small Investors in India
Continuation of returns from stocks and indices had long attracted the attention of researchers. However, the momentum strategy proposed by Jegadeesh and Titman (1993, 2001) virtually became a benchmark for researchers in the area and even a suggestive strategy for practitioners (see Chen, Chou, and Hseih, 2015). In fact, such has been the importance of momentum in returns as it has been included as one of the risk premium factors in standard asset pricing models (see Carhart, 1997).
After Jegadeesh and Titman (1993) reported from US markets that taking long position in top decile and a short position in the bottom decile of companies sorted by their returns over past 3, 6, 9, and 12 months can result in abnormal profits of approximately 1% per month after holding each portfolio for 3, 6, 9, or 12 months, many other researches also reported similar findings from different markets. Notable among them are Rouwenhorst (1998) who found profits from a similar strategy in 12 European markets and Griffin, Ji, and Martin (2003) who found positive returns in 31out of 39 international markets. Similarly, Chui, Titman, and Wei (2010); Hu and Chen (2011); Cakici, Fabozzi, and Tan (2013) tested and evaluated momentum across a wide range of markets and found consistent momentum returns. In Indian market also, Petr and Abdullah (2012); Bernard and Deo (2015) found evidence of momentum returns.
While momentum represents one of the strongest lines under the technical analysis thought of stock analysis, investment strategies based on book-to-market ratio have
Aggarwal and Gupta (2009) documented the success of this strategy. In fact, the high book-to-market strategy is as revered as a suggestive strategy for practitioners as the momentum strategy.
It is commonly believed that two and two make five. Therefore, one may wonder what would happen to the returns from momentum strategy if its implementation was combined with the value strategy. In fact, considerable empirical research has focused identifying combined value and momentum effects in the U.S. and other develop markets. For example, Rouwenhorst (1999); Griffin, Ji, and Martin (2003); Chui, Titman, and Wei (2010); Hou, Karolyi, and Kho (2011), and Asness, Moskowitz, and Pedersen (2013), Cakici, Tang, and Yan (2016), among many others, reported evidence on the value and momentum effects in developed markets. But at the same time, it is also true that this line of research was largely confined to developed markets only. In the rare case where value and momentum are studied outside of U.S. equities, they are also typically studied in isolation - separate from each other. Even if the research was carried out in emerging or developing markets, it was done by grouping different markets into regions, attention to individual markets remained scant (Cakici, Tang, and Yan, 2016).
The problem does not end here. Almost all the research has been carried out in a vacuum, devoid of the actual conditions in which a retail investor/ trader operates. Momentum investing, as originally proposed by Jegadeesh and Titman (1993), assumes a zero-cost trading strategy, which assumes away various market frictions, such as transaction costs, bid-ask spreads, and short-selling constraints. Carhart (1997) even reported the momentum trading turning unviable after incorporating the trading costs. Moreover, buying and selling hundreds of stocks could only be possible in lab conditions and not actual environment in which individual investors operate. In addition, short-selling (as required in the original momentum strategy) involves very high costs because of the associated collateral and margin requirements (for details of collaterals and margin requirements and other conditions for short-selling, visit the security lending and borrowing (SLB) section of www.nseindia.com), loan interest, and potential risk of a short squeeze or even non-availability of short-selling (for example, National Stock Exchange allows short-selling only on those stocks which are available under F&O section ). Not only that; small investors face a significant downside risk on short selling of uncovered positions in the portfolio (Foltice and Langer, 2015). These factors make short selling, not only very costly but also very risky to the extent that it holds the potential of wiping out all the gains earned from the long leg of the trade.
In this article therefore, feasibility of a small investor profiting from momentum investing combined with value strategy has been examined. With a view to maintain practical utility of the study, only long side of the momentum trade has been taken up and value stocks have been identified through book-to-market ratio. In addition, all transaction costs have been duly incorporated.
In this investigation, two distinct types of strategies have been employed: a pure momentum strategy and a pure momentum combined with value strategy; both are detailed below:
The pure momentum strategy was based on Jegadeesh and Titman (1993) study. Using closing prices of 31st December, 2009, all the companies listed on National Stock Exchange were arranged in descending order of their J trading month returns (J = 3, 6, 9, or 12; called as the portfolio formation period) and divided into deciles. For each period, the top decile (stocks with highest positive returns) was retained for further investigation. In this decile also, only those companies were retained which had a positive book-to-market ratio and the company did not delist during the study period. Going by the dictates of Modern Portfolio Theory, which advocates a portfolio size of 12 to 18 stocks, for each portfolio formation period, top 15 stocks were retained as the constituents of the pure momentum portfolio and an equally weighted portfolio was created by making an investment of Rs 20,000/- in each stock. This portfolio was then held for a period of K trading months (K = 3, 6, 9, or 12; called as portfolio holding period) separately. This yielded a total of 16 portfolio formation-holding period combinations. Prices were duly adjusted for any dividends, stock split or stock dividends during the holding period. The process was repeated till 31st December, 2015.
The second strategy involved a combination of momentum and value strategy. To implement this strategy, the top performing decile for different formation periods (J = 3, 6, 9, or 12) were identified as above. The filters of positive book-to-market ratio and non-delisting during study period were also applied as above. The stocks which cleared these filters were then ranked on two different basis: on the basis of their returns during the formation period and on the basis of their book-to-market ratio. For each stock the two types ranks were then added and top 15 stocks were retained as the constituents of the combined momentum-value portfolio. As above, an equal investment of Rs 20,000 was made in each stock. The portfolio was then held for
a period of K trading months (K = 3, 6, 9, or 12; called as portfolio holding period) separately, yielding a total of 16 portfolio formation-holding period combinations. Again the prices were duly adjusted for any dividends, stock split or stock dividends during the holding period. The process was repeated till 31st December, 2015.
Transaction Costs
Though transaction costs (bid-ask spread, commissions, trading fees etc.) play a vital role in ensuring market efficiency, an accurate estimation of these actual costs could be herculean task (Shleifer and Vishny, 1997) as transaction costs not only vary over time but also depend on the size of transaction and the type of investor/ trader. Due to absence of any information regarding bid-ask spreads on NSE website, proxies were considered. Following Capelle-Blancard and Chaudhury (2001), this study assumed the bid-ask spread to be equal to 0.75% of the reported transaction price.
Apart from bid-ask spread, additional transaction costs were considered from the point of view of retail investor who trades through a broker. After carrying out a pilot survey of brokerage houses in Ludhiana city, the following costs were included:
1st January 2010 to 31st Mar 2012 - 10.30%
1st April 2012 to 31st May 2015 - 12.36%
1st May 2015 to 14th Nov 2015 - 14.00%
15th Nov 2015 onwards - 14.50%
Per cent net returns from each portfolio were calculated as follows:
Rjk = [(Ps - Pp - TC) / Pp] x 100
Where, Rjk = Percentage return from a portfolio with j months formation and k months holding period
Pp = Purchase price for the portfolio
Ps = Selling price for the portfolio
TC = Transaction costs
Risk Adjustment of Returns
The three factor model proposed by Fama and French (1993), which is widely accepted as being consistent with market equilibrium, was deployed for performance attribution. The following regression equation, which attributes excess returns to three systematic risk factors, namely market returns, size and value factors was utilised:
R- Rf = α + β (Rm – Rf) + λ(SMB) + δ(HML) + ε
Here R is the return from the long portfolio during time t (portfolio and time subscripts have not been shown); Rm is the return from broad market based index, Rf is the risk free rate of return, α is the return left unexplained or the value added by the trading / investment strategy, popularly known as Jensen's Alpha (Jensen, 1967); β is the measure of exposure of portfolio returns to broad market excess returns (Rm – Rf); λ is the measure of exposure of portfolio returns to size factor (SMB); δ is the measure of exposure of portfolio returns to value factor (HML) and finally; ε is the regression residual (for details of these risk factors, see Fama and French, 1993). Methodology used by Aggarwal and Gupta (2016) was applied for construction of market, size and value factors.
Data Analysis
Ordinary least squares regression was applied to carry out the analysis using following equations:
(Ri – Rfi) = a + b (Rmi – Rfi) + s (SMBi) + h (HMLi) + ei
or a = (Ri – Rfi) - b (Rmi – Rfi) - s (SMBi) - h (HMLi) - ei
Ri = Average return from the momentum portfolio during ith combination of formation and holding period
Rmi = Return from the market portfolio during holding period of the ith combination of formation and holding period
Rfi = Risk free rate of return during holding period of the ith combination of formation and holding period
b = Measure of exposure to market
s = Measure of exposure to size factor
h = Measure of exposure to value factor
SMBi = Returns from size portfolio during holding period of the ith combination of formation and holding period
HMLi = Returns from value portfolio during holding period of the ith combination of formation and holding period
a = Jensen's Alpha or returns due to the momentum strategy
ei = Random error term
For the purpose of analysis, total returns index for Nifty, which includes the effect of dividends was used as a proxy for market returns and MIBOR rates were used as a proxy for risk free rate of return.
In this section, returns, net of all transaction costs, from both the investment strategies, that is the pure momentum strategy and momentum combined with value strategy have been presented. The returns presented hold for different combinations of portfolio formation period (J = 3,6,9,12 months) and portfolio holding period (K = 3,6,9,12 months) and have been annualised to facilitate comparison. In addition, Jensen's Alpha, that is the return added by the momentum strategy after adjusting for the risks under Fama-French (1993) conditions has also been shown for all combinations.
Table 1 shows selected summary statistics for the returns from portfolios based on Jegadeesh and Titman (1993) pure momentum strategy for different combinations of portfolio formation and portfolio holding periods. As discussed earlier the portfolios consisted of stocks with only positive returns during the portfolio formation period. As seen in the table, shorter formation and shorter holding periods are best suited to this strategy as highest mean return of 21.09% were produced by the portfolio with 3 months formation and 3 months holding period; closely followed by 3 months formation and 6 months holding period at 20.78% with marginal reduction in the standard deviation. For longer portfolio formation periods of 6, 9, or 12 months, the net returns were much for all holding periods; to the extent that negative returns of 8.02% were produced by a portfolio with 12 month formation and holding period. Jensen's Alpha, which represents the actual value added by the investment/ trading strategy after adjusting for risks taken up in the asset pricing model (here, Fama-French, 1993), also paints an almost similar scenario. Highest Alpha of 12.47% (p<0.01) was produced by the portfolio with 3 months formation period and 3 months holding period; trailed at 11.17% (p<0.01) by the portfolio with 6 months holding period. In fact, the 3 month holding period produced significant positive Alpha across all lengths of formation periods; though it was much smaller for larger formation periods. Larger holding periods, especially 9 months and 12 months, either produced insignificant Alpha or negative significant Alpha. This brings forward one clear conclusion that pure momentum strategy, with only long leg of the trade and due adjustment for all types of transaction costs, can reward investors with significant returns in India. However, this holds good only for short holding periods.
The main objective of this research was to check for profitability of a pure momentum strategy when implemented in combination with high book-to-market strategy and to see if this combination could make the investors better off when compared with pure momentum strategy. Selected summary statistics for the returns to a combined momentum and high book-to-market strategy are presented in Table 2. Combining high book-to market strategy with pure momentum seemed to fetch better returns to the investors as there was a noticeable increase in the means returns for all holding periods with 3 month formation period. For example, for 3 month holding period, the returns increased from 21.09% to 23.13% while the standard deviation fell from 58.21% to 50.51%. Similar, rise in mean returns along with fall in the standard deviation was seen for other holding periods also. Significant improvement was also seen in Jensen's Alpha which rose from 12.47% to 14.87% (p<0.01 for both). For other holding periods also there was an increase in the Jensen's Alpha, though its value was statistically insignificant for a 12 month holding period. Similar trend was also seen for 6 month formation and different holding periods. However, one thing that remains noticeable is that the basic structure of returns was retained. Shorter formation and shorter holding periods were found to be best suited even after combining the momentum with value strategy. Jensen's Alpha also presented similar trend as despite an improvement in the value of Alpha all across the table, shorter formation and holding periods produced higher and significant Alpha values.
This leads us to two conclusions: combining momentum with high book-to-market strategy can definitely bring a significant improvement in the performance of momentum strategy. However, this improvement holds good for relatively shorter formation and holding periods; reemphasising that Indian market does not offer long term momentum returns.
Literature offers two competing explanations of the momentum returns − the risk-based (for example see, Jegadeesh and Titman, 1993; Fama and French, 1996; Grundy and Martin, 2001; Chordia and Shivakumar, 2002; Griffin, Ji, and Martin, 2003; Liu and Zhang, 2008) and the behavior-based (for instance see, Barberis, Shleifer, and Vishny, 1998; Hong, Lim and Stein, 2000; Grinblatt and Moskowitz, 2004; Israel and Moskowitz, 2013). The risk based explanation for momentum premium argues that economic risks that affect company investment and growth rates can impact the long-term cash flows and dividends offered by the company that actually generate momentum patterns. The idea is that high-momentum stocks face greater cash flow risk because of their growth prospects or face greater discount rate risk because of their investment opportunities, causing them to face a higher cost of capital and therefore, a higher expected return. The behavioral models on the other hand, typically explain momentum as either an under-reaction or delayed overreaction. In the case of under-reaction, information travels slowly into prices for a variety of reasons such as investor conservatism, inattentiveness, liquidity issues, or disposition effect—the tendency to sell winners too quickly and hold onto losers too long. In the case of overreaction, investors may chase returns, providing a feedback mechanism that drives prices even higher (Asness, Frazzini, Israel, and Maskowitz, 2014).
In case of high book-to-market stocks also different explanations for value premium have been proposed in the extant literature. These include risk compensation (Fama and French, 1996; Vassalou and Xing, 2004); market inefficiency arising out of factors such as small-cap stocks (Kothari, Shanken, and Sloan, 1995; Loughran 1997), stocks with greater short-sales constraints (Nagel 2005), and stocks with lower institutional ownership (Phalippou 2007). Data-snooping biases (Conrad, Cooper, and Kaul, 2003) stocks being neglected (Griffin and Lemmon, 2002) and greater divergence in investors' opinions (Doukas, Kim, and Pintails, 2004) have also been found to be plausible reasons behind mispricing of these stocks.
Although, any conclusive agreement regarding the reasons behind momentum, book-to-market effect or a combination of the two is yet to be arrived at, yet for a retail investor the distinction does not hold any relevance. This is so because both the risk and non-risk based explanations offer some economic reason for the premium to exist as well as persist. The small investor is more than happy if combining momentum with book-to-market effect can enhance his profits. Of course, for better understanding of this phenomenon, dissection of returns into momentum and high book-to-market returns, deeper research is required to be conducted and provides a fertile ground for future researches.
Momentum strategy proposed by Jegadeesh and Titman (1993, 2001) virtually became a benchmark for researchers in the area and even a suggestive strategy for practitioners. In fact, momentum in returns garnered so much attention that it was included as one of the risk premium factors in standard asset pricing models.
While momentum represents one of the strongest lines under the technical analysis thought of stock analysis, investment strategies based on book-to-market ratio have
This study focused combining these two widely celebrated investment strategies. Although, evidence on the performance of this combination exists in literature, it is largely restricted to US and other developed markets only. Moreover, almost every research has been carried out in a vacuum, devoid of the actual conditions, especially in terms of transaction costs and trade restrictions, in which a retail investor/ trader operates. Results of such researches thus hardly carry any value for the common investor/ trader.
This research addressed the profitability of a momentum strategy combined with high book-to-market strategy vis-à-vis a pure momentum strategy from the stand point of a common investor after incorporating all sorts of transaction costs and trade restrictions. Because of the exchange imposed restrictions and huge costs associated with short selling, only long side of the trade was implemented with portfolio size restricted to top 15 stocks, both for pure momentum and momentum combined with high book-to-market strategy. Net returns figures were generated for all 16 combinations of 3,6,9, and 12 month portfolio formation and portfolio holding periods. Returns were adjusted for risks under Fama-French (1993) conditions to arrive at the actual returns added by the strategy.
Results showed that the pure momentum strategy was suitable only for shorter formation and shorter holding periods as 3 months formation and 3 months holding period portfolio produced the highest returns of 21.09%; closely followed by 3 months formation and 6 months holding period at 20.78% with slight reduction in the standard deviation. For longer portfolio formation periods, whether 6 months, 9 months , or 12 months, the net returns were far lower or even negative across all holding periods. Jensen's Alpha, under Fama-French (1993) conditions also presented similar picture as highest Alpha of 12.47% (p<0.01) was produced by a portfolio with 3 months formation period and 3 months holding period; closely followed by 11.17 (p<0.01) for a 6 months holding period. On combining the momentum with high book-to-market, noticeable improvement in returns was seen across all combinations of formation and holding periods. Jensen's Alpha also presented similar scenario. For example, for a 3 months formation and 3 months holding period, the net returns of jumped from 21.09% to 23.13% and the Jensen's Alpha improved from 12.47% to 14.87%. However, even now, the shorter formation and holding periods produced the best returns.
This brings forth one clear conclusion that even after accounting for all transaction costs and trade restrictions, small investors can profitably exploit pure momentum; combining with high book-to-market strategy can bring significantly better returns. However, all these hold good only for short portfolio formation and portfolio holding periods. To understand this phenomenon better and dissection of returns into momentum and high book-to-market returns, deeper research is required to be conducted and this provides a fertile ground for future researches.
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Pacific Institute of Management, Pacific Hills, Airport Road, Udaipur - 313001,
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After many years of teaching private music lessons, veteran music teacher Steve Stockmal has upgraded to a music school facility and chose Goleta as his base of operations.
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'Tres Caballeros': The Aristocrats Announce New Album and Summer Tour Dates
Fresh off their Culture Clash world tour, the Aristocrats rewrote their own rules for their third studio album, Tres Caballeros, which is slated for release in late June.
After two fairly raw trio albums, guitarist Guthrie Govan (Steven Wilson, Asia/GPS), bassist Bryan Beller (Joe Satriani, Dethklok) and drummer Marco Minnemann (Steven Wilson, Joe Satriani) set up camp at Sunset Sound studios in Hollywood, where Led Zeppelin, the Rolling Stones and Van Halen recorded landmark albums.
The result: Nine new compositions of greater sonic depth and breadth than ever before, with unique textures and lush layering, augmenting the band's ability to improvise individually and as a group at the highest levels.
But not to worry—it's all still tempered with a steadfast refusal to take themselves too seriously, and the Aristocrats are still having more fun than a fusion band has any right to have.
"We've learned a lot since we started this band—four years, three studio albums, two live DVDs and about a billion notes ago," says guitarist Guthrie Govan. "I think our latest offering reflects this in all kinds of ways.
"The decision to road-test our new material in front of a live audience before commencing the recording process; the choice to record in a studio that had some thoroughly inspiring rock and roll "mojo"; our sudden urge to become more bold and experimental with overdubs rather than feeling pressure to record exclusively in a strict "trio" format ... all of this has had some kind of positive effect on the way the new record came out. Plus, I think the material on this album is some of the most interesting stuff we've ever written for each other, so here's hoping our noble listeners will like the finished product as much as we do!"
The Aristocrats also have announced summer tour dates, and you can check them out below. They'll be supported by fellow rock/fusion power trio the Travis Larson Band.
Details on each date can be found on the Aristocrats website calendar page.
The Aristocrats Tres Caballeros North America Tour, Summer 2015:
Mon 6-Jul Sacramento, CA Harlow's
Tues 7-Jul San Francisco, CA Slim's
Wed 8-Jul Santa Cruz, CA Don Quixote's
Fri 10-Jul Portland, OR Star Theater
Sat 11-Jul Seattle, WA Studio Seven
Sun 12-Jul Vancouver, BC, CANADA Rickshaw Theatre
Tues 14-Jul Boise, ID Reef
Wed 15-Jul Salt Lake City, UT Club X
Fri 17-Jul Denver, CO Quixote's True Blue
Sat 19-Jul Omaha, NE Slowdown
Mon 20-Jul Des Moines, IA The Gaslamp
Tues 21-Jul St. Paul, MN The Amsterdam Bar And Hall
Fri 24-Jul Chicago, IL Reggie's
Sat 25-Jul Indianapolis, IN Birdy's
Sun 26-Jul Cincinnati, OH The Mad Frog
Tues 28-Jul Cleveland, OH Beachland Ballroom
Wed 29-Jul Pittsburgh, PA Hard Rock Café
Thur 30-Jul Columbus, OH Skully's
Fri 31-Jul Detroit, MI Token Lounge
Sat 1-Aug Toronto, ON, CANADA Mod Club
Sun 2-Aug Ottawa, ON, CANADA The Rainbow Bistro
Tues 4-Aug Montreal, QC, CANADA TBD
Wed 5-Aug Woodstock, NY Bearsville Theater
Fri 7-Aug Boston, MA The Middle East
Sat 8-Aug New York City, NY Irving Plaza
Sun 9-Aug Philadelphia, PA North Star Bar
Mon 10-Aug Washington, DC Jammin' Java
Tues 11-Aug Raleigh, NC Pour House
Thur 13-Aug Charlotte, NC Tremont Music Hall
Fri 14-Aug Atlanta, GA TBD
Sat 15-Aug Nashville, TN The High Watt
Sun 16-Aug St. Louis, MO Old Rock House
Mon 17-Aug Kansas City, MO The Scene
Tues 18-Aug Tulsa, OK The Vanguard
Thur 20-Aug Houston, TX Fitzgerald's
Fri 21-Aug Austin, TX The Roost
Sat 22-Aug Dallas/Ft. Worth, TX The Sanctuary
Mon 24-Aug Albuquerque, NM Launchpad
Wed 26-Aug Phoenix, AZ Club Red
Thur 27-Aug Mexicali, MEXICO Teatro De Estado
Fri 28-Aug San Diego, CA TBD
Sat 29-Aug Corona/Big Bear, CA TBD
Sun 30-Aug Los Angeles, CA King King


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Ashwagandha (Withania somnifera) is an herb that is extensively used in Ayurveda, the traditional health care system in India. Ashwagandha is used as a general tonic and "adaptogen", helping the body adapt to stress. In addition, Ashwagandha has been shown to support a healthy immune system.
Suggested Usage : As a dietary supplement, take 1 capsule 2 to 3 times daily.
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