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Our next monthly ride, "Malibu Loop", will take place on Sunday, November 26, 2017. We will meet at Starbucks, Malibu Country Mart, 3900 Cross Creek Rd, Malibu, CA 90265. Please join us starting at 9:30am for meet & greet. Please be gassed up (or charged, this spot has e-charging stations) and ready for a prompt 10 am departure. There is a Shell station at this shopping center. We will take PCH and head north to Latigo Canyon Rd, then east on Mulholland Hwy, make a stop at the Rock Store to check out other bikes and bikers. Then we will continue east on Mulholland Hwy to Old Topanga Canyon Rd south to PCH north to stop at Reel Inn Restaurant for lunch (18661 Pacific Coast Hwy, Malibu, CA 90265). Route is 41 miles, 90 minutes plus stops.
The route map is here: https://goo.gl/maps/
Oedipus has a long and proud tradition of encouraging guests to join us on our rides. We don't want to decline any rider who chooses to attend, but we have certain minimum expectations that we insist on –basically, a fully legal rider on a road-ready bike.
If you would like to ride with us, our requirements are the same as the state of California's: 1) valid Class CM1 license; 2) current registration on your bike; 3) at least the legal minimum of insurance.
We also request that your bike be in decent mechanical condition (good tires, no leaks, lights working, etc), and that you wear at least reasonably appropriate gear. If you or your bike have an issue that would be noticed by a cop in a traffic stop, we'll probably notice it, too.
If you are a guest who has not ridden with us before, please review this 10-minute MSF Riding Safety Video: http://www.youtube.com/
The first five minutes are the basics on bike maintenance and ride preparation, but please be sure to view from 4:55 to the end for information on group ride procedure and etiquette. We generally follow these principles, to ensure a safe and entertaining ride for everybody.
Our rides are neither a parade nor a sprint, all riders should proceed at their own pace. We tend to split into two or three organically pace-based groups, so there is no reason or need to race to keep up, please do not do so. The ride leader will stop at all direction decision points to allow the group to re-form. Please show the same courtesy and respect to other members on the ride — and other users of the road— that you would like to receive yourself.
If you have any questions or issues, please contact me before or during the ride, or ask any Oedipus member.


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Category Archives: Sales & Marketing
Why Angular.js is the best?
Angular.js is a new JavaScript designed to make front-end development easy. Built and maintained by Google engineers, Angular.js provides a future template regarding the development of client-side apps. There are many other frameworks, but Why Angular? Here are some reasons why you should opt for Angular.js, not other frameworks:
Here are the reasons
1. It is fun to get started
While all frameworks have large learning curves, Angular is the best when you need to build large applications. Let us be honest. Most people have apprehensions shifting to a new technology. Angular is one framework that never disappoints—it is extremely easy to use, and even the most apprehensive individual can use it.
2. It is comprehensive
If you are used to other projects such as Jasmine, Mocha, and QUnit, then you will have an easy time learning Angular. Angular solves any rapid front-end development and is comprehensive. Some of its stand-out features include:
· Rest easy
· Dependency injection and data binding
· Extends HTML
· Makes HTML your template, and
· Enterprise-level testing
3. It is flexible
If you compare two Angular projects from two companies, you will be surprised at how they vary greatly. Why? Well, because there are no universally accepted standards for how the framework should be used/ applied. Angular, unlike other frameworks, offers great flexibility, and honestly, it helps you to define the structure of your directory and compose your app in a manner you wish. Therefore, if you are the type of person to do things your way, then go with Angular.
4. It focuses on testing
Angular provides ease when it comes to unit testing; there is no doubt about that. The Angular team came up with two robust testing frameworks: the Karma and the Protractor, which makes testing with dependency injection extremely easy.
5. Fantastic community
Angular has a fantastic community with prominent members, including members of the core team as well as members outside of SEO. Here, you can share your thoughts on how to build web apps and even share your experiences. While other frameworks have communities too, many people feel connected to the Angular community.
6. Google built it!
Not many frameworks are made in the open source community. That is why when you come across one, you need to appreciate it. Angular was built by the dedicated Google, and this means that you have an open community to learn from. You also have access to highly talented engineers who will give you solutions to your Angular questions.
There are many other frameworks, but why Angular.js? Well, the above reasons provide answers to this question. You may not be certain about many things, but the fact that Angular was developed by the reputable Google should give you certainty about this framework.
The Mobile Optin Software
Through the use of the modern technology, entrepreneurs have found various ways of promoting their products and services. These new marketing strategies have been found to be more efficient and effective when compared to the conventional ways of advertising. Not only that, but it will also be a lot easier for you to reach your target audience. In fact, a lot of business owners nowadays have shifted from the traditional methods of marketing to the most advanced ways of advertising. Thanks to the devices and gadgets that were brought about by the modern technology that we are enjoying now.
Mobile and email marketing
Since almost all people today are into smartphones and other high-tech devices, advertisers have come up with various ways to reach their target audience. One of these is email marketing. If you are an entrepreneur, this would be an efficient way of promoting your products and services. You no longer have to pay for a billboard and rent a space for it. All you would need is a good software that you can utilize to create emails and send them to all your prospect customers. However, you have to be careful when doing this because some people get annoyed with the spams that they are receiving from other companies or advertisers. This is the reason Mobile Optin Software was created – to come up with emails that would catch the attention of the consumers.
Creating and sending emails
When you create emails to promote your business, it is necessary that you only send them to those people who have subscribed or agreed to receive alerts or promotional emails from you. Never send them to random customers. Otherwise, it can hurt your business.
Anthony Morrison's Mobile Optin Software
As mobile marketing has captured the attention of a lot of consumers, the use of promotional emails has been beneficial too. Almost all business owners are utilizing this because of its effectivity in reaching the potential leads. Emails have the capacity to convince shoppers to support your business without worrying about spending a lot of money on other forms of ads. However, this will only be feasible if you use the right tool like the Mobile Optin Software.
Video Marketing Myths Busted
There are several myths about online video marketing. In fact, this explains why you should get into this type of internet marketing. There are four main myths people talk about when thinking about publishing their videos online. With some tools like Easy Video Suite, it is now simple to professional quality videos. In the coming years, most of the things people will be doing on online will be video based.
Myths busted
Too difficult to produce
The majority of internet marketers believe that it is very difficult to produce videos. Nowadays, with technology and equipment, which you can access, it is now easier to produce your online videos. In the past, it was quite difficult. Now, you have tools, software, and technology you can use. Therefore, it is never difficult anymore.
Every expensive for professional quality
Technology is now quite affordable. Therefore, you can create high-quality content. Moreover, you do not need excellent lights. You are free to use lights in your home. Ensure you have adequate sunlight getting into the room. However, you need a reliable computer to capture and record videos.
It takes long to create videos
This is not true. If you are an expert, you will find it easy to create online videos plus audio. The good thing about videos is that they deliver some persuasiveness, which cannot be provided by articles and blog posts.
None will be watching
Some people believe that there are no persons who are going to watch their content. You should note that people like streaming videos. Moreover, they grab attention much better than articles. Youtube is now second largest search engine. Therefore, uploading your content to this platform, you will have a footprint on the web. Social media platforms such as Facebook provide their users with an opportunity to share videos. In fact, they have advised their advertisers to use videos instead of banner advertising.
The above four myths about internet marketing have been busted. It is a lot simpler but more affordable. Video marketing is regarded to have more power as compared to other forms of marketing. This type of marketing has lots of opportunities that help you dominate the competition. It is advisable to use premium video software program. The right program should have excellent features and intuitive dashboard. This is necessary to ensure you get professional quality content that users can engage with.
Creative Product Packaging Advantages
Item packaging is supposed to secure your product from any damage. This is when the manufacturer transfers the items to sellers and while the products are on the racks of retail outlets.
Additionally, packaging is not just for protection of products. It likewise plays an essential part in the advertising mix, advertising campaigns, and rates requirements, producing distinct brand identities, and explaining brand-new products.
Packaging compels consumers to look at the goods on the shelves of grocery stores and supermarkets. Some shoppers are pleased with how items are covered or put in boxes. Nevertheless, some are more meticulous and look thoroughly at the designs and colors. That is why businesses spend plenty of resources and time on research regarding item packaging. The secret is to come out with the most reliable technique to entice potential clients. There are different factors that marketers should consider putting in more interest to the products and persuade customers to acquire the item.
The packaging needs to grab the interest of purchasers. It needs to interest the target audience like housewives or teenagers. The product has to stand out amongst the wide range of other items in the very same category.
Marketing experts understand that lots of people evaluate an item by its packaging. The objective of unique but rational designs and imagination is to tell customers that this certain merchandise is worth buying. Design is essential to some sections such as cosmetics and sugary foods.
In packaging, you need to take into account the aspects of performance, cleanliness, defense of the item's handling throughout storage, and ecological accountability. At the very same time, you have to be ingenious in product packaging for the purpose of improving sales.
The product that you use must be durable and simple to get rid of also. Consumers are easily shut off by boxes or packs that are damaged or folded.
Packaging works as the main medium of interactions between the manufacturer and customer. When a shopper picks a specific product from the supermarket rack, the first thing that this individual does is to scrutinize the package and check out the details about the product. As soon as this attracts the senses of the customer, you can be sure that the item will be sold. Simply put, it should interest the purchaser's sight, feeling and smell. This is what multi-sensory attraction is all about.
There should be a viability in product packaging. It is thought-about as one of the gauges for quality. In other words, the value of a particular product is shared with the general public, not by mere hype and literature printed in the box. The more important aspect is the imaginative design where the product packaging and contents are constant with each other. The purchaser must be affected by this uniformity.
Packaging has to have the element of value. Customers are captivated by sophisticated product packaging. For the majority of consumers, the product is stylish and expensive if product packaging looks stylish. It is the reason product packaging should both have esthetic qualities and functionality.
Promotional Pens and How to Decide On Their Design
No matter what your identity is, whether a student, a professional, an executive or a homemaker, you will find use for a pen at some time of a day.
For this reason, when seeking to promote a company, promotional pens are the best way to go. Using a pen to promote your business is a fantastic concept as it is a daily product of tremendous use.
Coupled to that it shows the business's name, logo and communicates the idea that the company's wants to market, pens make for a great marketing product. Promotional pens are great giveaways at brand name launches, exhibits and other corporate occasions.
Selecting the Right Promotional Pen: Just like the brand name item you want to launch or market through marketing products, even these pen you want to use for highlighting the cause must be selected with care. The business of creating these pens is not constantly an easy task; the final goal is to establish a pen that reflects the brand name's strategy and helps the company achieve, if not surpass their expectations.
Quality Brings Efficiency: The promotional pen has to be chosen with care; similar to a trailer is the preview to a brand-new film release, the marketing product is the ad trailer to the actual brand name or item. It is the first thing that the potential customers see, and hence it has to be one that is quickly accepted and liked by them. The promotional pen can make or break the brand name; for this reason, you would wish to choose a pen that does not lose ink or break quickly. The quality of the pen speaks volumes about the quality of the business's products and services.
Plan the Making from the Pen: It helps to prepare ahead of time what type of pen ought to be used for the project. The first step that enters into this is evaluating the function of using a promotional product for that particular event. What does the company wish to communicate to their target audience? Once more, exactly what is the target market for the business? If the project is directed in the direction of students and youth, in general, the pen can be made quite elegant, in sync with their likes by developing pens in vibrant colours and uncommon designs that make it an appealing product they will make use of. If the pens are for some business occasion like exhibition or conference, the styling of the pen would be sober and focus more on providing the company's information like the logo and name.
Types of Pens: There are different types of Product that can be used by a company for promotional functions. These are ball point, executive, fountain, memento, biodegradable, fiber tip, pen sets and pencil sets, refills, twist action pens, etc. among many others.Thus, relying on the business's objective, the appropriate pen can be created and used as giveaways. Broadening the company perspective was never this easy and cost-effective!
Marketing for Small and Large Businesses
Anyone who has a business would want to be as successful as possible. No matter what the industry sector may be, being successful is very important. To achieve success, any business must have more customers. How does a business achieve this?
If a business wants get more customers, it must ensure that it is well known. Many do not realize the importance of it, but marketing is a crucial part to making any business successful.
But what is marketing?
Marketing is an action or business of promoting and selling products or services, including market research and advertising. So in other words marketing includes so many factors. You cannot simply run an advertisement in a local paper and be satisfied that your marketing is complete. You have to do much more work to have an effective marketing plan for your business.
Firstly, a business owner must understand what he is selling and who are the potential customers. If a business sells sports equipment then placing an ad in a financial magazine will not be effective. The advertisement has to be placed in places where sports enthusiasts will go. For example, a sports equipment supplier can advertise on a sports magazine or sports website. This will ensure that the target market is reached.
Before a business starts advertising, it should do extensive research and feasibility studies of the targeted market. This means collecting statistics and demographics. A business can't sell boats in a town where there is no place to sail the boats. These are very important factors that need to be considered.
Some business don't need much marketing. The grocery store can be successful by having a banner outside the store or distributing flyers at a local level. However, larger businesses need to plan their marketing strategy in a way that it reaches the masses. Having an advertisement on national television during prime time may be costly but it reaches millions of people at once. This can be a great way for large chains of restaurants and supermarkets to advertise.
So in conclusion, marketing is important to any business large or small. The only thing that changes is how it is done and at what scale. An effective marketing plan will mean more business and more customers, this in turn will generate more revenues and profit for the company.

subset: commoncrawl


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Pre-Med Intake
The Pre-Med Intake Major is a program that encourages students to explore and prepare for academic majors leading to careers in the health professions. It is not a major from which students will graduate and it is not intended for Nursing students.
Starting at Orientation and throughout their freshmen year, students will be advised by a dedicated academic advisor from the Academic Advising Center. While students start on their CORE and math/science courses, the pre-med intake advisor provides students with one-on-one assistance in choosing a major to meet their interests, talents and future goals.
This major also works in partnership with the Health Professions Advising (HPA) Office. The HPA advisor offers workshops, advising, and coaching to prepare students in creating a competitive application to medical, dental, pharmacy, physical therapy and other health care professional schools. Assistance from the HPA office is available to all MSU students and alumni.
The Pre-Med Intake major is designed to foster students' awareness of the variety of academic majors and opportunities related to the health professions that MSU offers. Students in the program are encouraged to take advantage of special courses, such as MEDS 140, and workshops offered by the HPA office to broaden their knowledge of options in the health professions.
Curriculum in Pre-Med Intake Major
The following courses are recommended for Pre-Med Intake majors, assuming they enter the major with the appropriate Math level.
Fall Curriculum
|Introduction to Statistics (3 cr)
|Integrated Physiology I (4 cr)
Choose one of the following:
|College Chemistry I (4 cr)
|Honors College Chemistry I (4 cr)
|US Core: 3 - 4 cr (Students may select any University Seminar (US) core course)
|Total Credits
Spring Curriculum
|Survey of Calculus (4 cr)
|Cellular and Molecular Biology (4 cr)
|Intro Medicine Health (1 cr)
Take one of the following:
|College Chemistry II (4 cr)
|Honors College Chemistry II (4 cr)
Take one of the following:
|College Writing I (3 cr) if needed, or take:
|College Writing II (3 cr)
|Intro to Lit: Explorations in Literature (3 cr)
|Total Credits
At the end of their freshman year, students in this major will choose an academic major and move from the intake program to an academic degree program. If they remain interested in a career in health care, it is recommended that the student stay engaged with the Health Professions Advising Office.


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உளனெனிலுளன் அவனுருவமிவ்வுருவுகள் *
உளனலனெனில் அவனருவமிவ்வருவுகள் *
உளனெனவிலனென இவைகுணமுடைமையின் *
Be it said (as the theists say) that "He is", or (as the Atheists say) "He is not", (both ways) His existence is established. He exists, at all times and in all places together with the aggregate of the formless sentient beings and the non-sentient things with shape and size, both in the gross state (embodied and therefore visible) and in the subtle state (disembodied and therefore objectively imperceptible).
(i) In the above translation, the theists (Vaidikas) are those; who subscribe to the authority of the Vedas;
(ii) The atheists (Nastikas) are those who deny the existence to a thing, which forms the subject of such denial. That thing should be there, at least notionally, as nothing as such, does not warrant denial, and rather needs no denial.
Thus, this stanza cuts across the exponents of "Sunya Vada" or the doctrine of nothingness (Refer: Buddhist Philosophy). The Upanishadic text 'asat va idamagra asith' refers to the invisible subtle state (too subtle to be visible), when this world which forms Brahman's body was gradually reabsorbed into Brahman, each constituent element being refunded into its immediate cause. The word 'asat' does not connote a state of nothingness or non-existence but the subtle, state as distinguished from the gross or visible or manifest state.
This beautiful pAsuram should have formed one of the bases for the arguments Vishishtadvaitic scholars used to defeat the "Sunya Vada" of Buddhist scholars.
பரந்ததண்பரவையுள் நீர்தொறும்பரந்துளன் *
பரந்தவண்டமிதென நிலவிசும்பொழிவற *
கரந்தசிலிடந்தொறும் இடந்திகழ்பொருடொறும் *
The Lord pervades every little bit of the oceanic waters, cool and sprawling (and yet does not feel cramped but, on the other hand), He feels as easy there as in the expansive world outside. Either on earth or the upper regions (in the whole universe) there is no place where He is not immanent, dwelling as He does secretly, in the heart of all things and being however minute, and in all places (imperceptible to the things and beings pervaded by Him ever firm and eternal). He is the Lord, who contains them all within Himself, during the period of deluge (in the state of dissolution, marked by the end of a Yuga).
Further Clarification:
(i) The Individual Soul, of the size of a minute speck, pervades the body it gets into, only by dint of its attributive consciousness; in the very nature of things, it cannot be co-extensive and co-expansive with the body it occupies, like God, who is omnipresent, not being conditioned by any limiting adjuncts of the other two entities, namely, spirit (Jiva) and matter.
(ii) The doubt as to how the Lord can pervade the inside out of the Individual Soul, of the size of a mere speck (subatomic)gets automatically resolved, seeing that the Lord, in but a juvenile form, contains all the worlds during the period of deluge. If the golden stomach, which devoured all the butter stored up by the damsels in the pastoral village of Gokul, could contain within it all the world's as well, why should one doubt the Lord's power of pervasion of the minutest of things, both in and out?


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On my recent trip to Morocco I had plenty of time to read my new Kindle by the pool and one of the books I managed to finish before heading home was Alice Sebold's The Lovely Bones. Yep, ok, it was a little weird reading about a murdering paedophile while my friends were playing water polo in the sun, but the book was so moving and engrossing I could never put it down.
The novel begins with narrator Susie Salmon, a 14 year old girl raped and murdered by her neighbour on her way home from school: 'My name was Salmon, like the fish; first name, Susie. I was fourteen when I was murdered on December 6, 1973.' After her death she becomes trapped in the 'inbetween', watching the actions of her friends, family and murderer from an indiscernible place between Earth and Heaven. Despite its premise, the novel is far from a work of crime fiction and instead deals with one family's method of coping after the loss of a loved one, while also considering the possibilities of what happens after death. Trying to catch Susie's killer is just one of the many interwoven narratives that make up the novel and that's part of what I loved about it.
Sebold's prose is incredibly beautiful, using turns of phrase that flow smoothly and naturally. She blends drama, reality, fantasy and suspense in a way that even the most fantastical events seems plausible. There is one moment towards the end of the book, however, that I found a tad unbelievable (and bloody weird), but I was willing to overlook it for the sake of the rest of the novel. You might have already seen the film - as I had - but I think I prefer the novel. In my mind I could see Susie simultaneously hovering somewhere on the periphery between Earth and her inbetween, but this is a lot harder to convey in film and Peter Jackson's movie ended up looking like 'Susie's Great Big Acid Trip'. (Seriously though, what was with the disco dancing on a turntable?)
If you're looking for a new book to read then I'd highly recommend adding this one to your list. Have you read The Lovely Bones? Have you seen the film? What did you think?


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Sleeps 2
Bedrooms 1
Bathrooms 1
Pets Yes
Mr Wright
"Lovely town, lovely Cottage. Would ..."
Lovely town, lovely Cottage. Would mention that as garden is not fenced from neighbouring cottage, not suitable to let dogs out for a morning pee!! But otherwise lovely.
Lovely town, lovely Cottage. Would mention that as garden is not fenced from neighbouring cottage, not suitable to let dogs out for a morning pee!! But otherwise lovely.
Mr Wright would rebook this property
- Open fire
- Smoke-free
- Garden / Patio
- Pub/shop < 1 mile
- Washing machine
- Dishwasher
- Broadband / WiFi
The property
If you are looking for a cosy old cottage for two in the heart of a historic town full of antiques shops, wonderful pubs and excellent restaurants all within a couple of minutes' walk, then Ivy cottage could be just what you are looking for.
An ideal base for touring both the coast and moors, this terraced cottage will make you feel at home the moment you set foot inside the door.
The cosy sitting room, just perfect for two, with an open fire for the cooler evenings leads through into the well-equipped kitchen, whilst the bedroom, with a host of books, and the bathroom are both upstairs.
Lostwithiel, once described as having the loveliest inland scenery in Cornwall, is situated at the tidal reach of the River Fowey in a beautiful wooded valley just off the A390, making access to the south coast particularly easy.
For the sports enthusiasts the challenging 18 hole golf course is a must while the golf and country club also offers tennis and swimming.
With a further choice of salmon and trout fishing, splendid walks in every direction and horse riding close by the options for a day out are endless.
For a great evening out all you need to do is walk across the road where you'll find great local real ales, the best locally-sourced food and live music, all of which are on offer at the Royal Oak.
Here, there is also a lovely sunny beer garden which is a very welcoming thought to come back to after your perfect day out.
With such cosy accommodation in a great location, Ivy cottage offers an ideal base for holidays all year round.
One double bedroom with TV. Shower room with shower, basin and WC. Kitchen. Sitting room with dining area and open fire.
- Gas central heating with open fire
- Combi microwave/oven, electric hob, fridge, washing machine, tumble dryer, dishwasher, 2 x TVs with Freeview, DVD, WiFi, selection of books, games and DVDs
- Fuel, power and starter pack for fire inc. in rent
- Bed linen and towels inc. in rent
- Roadside parking on first come, first served basis, plus free public car park 5 mins walk
- Patio with furniture
- Two well-behaved dogs welcome
- Sorry, no smoking
- Shop 2 mins walk, pub 1 min walk
- Note: Babes-in-arms only.
Calculate your drive time
About the location
Bodmin 5.5 miles; Fowey 7 miles.
A delightfully peaceful country town, nestling in the Fowey river valley amid the woods and fields that characterise the area. Renowned as a centre for the antiques trade, there are several shops and dealers in the town, as well as a fine collection of country pubs, restaurants and a thriving farmer's market. Lanhydrock House (NT) and gardens is just 3 miles away, while the fabulous Boconnoc House, Eden Project, shipwreck museum and tall ships harbour at Charlestown, and the picturesque fishing villages of Mevagissey, Fowey and Padstow, with the famous Rick Stein restaurants, are all within easy driving distance. The tumbling Atlantic surf, long sandy beaches and dramatic coastline of the north coast, including at the renowned Newquay, make for great days out and there is also chance to enjoy river canoeing, biking, hiking and leisurely walks in this lovely area. The friendly locals also have ongoing activities, such as the raft race, the famous tug of war, Carnival week and seagull outboard motor races. The river Fowey runs from the town on its 8 mile journey through the fields and wooded valleys to the gentler southern coast, a natural paradise for those who love the sea. Centrally placed, with much to do and see in the immediate area, Lostwithiel is the perfect choice for those seeking a break away from the hectic pace of the tourist resorts.
Region Information
Note: Babes-in-arms only.
This property offers the following short breaks:
- Winter
- Off-season
- Last minute
- Christmas


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The Etnies E-Base Sherpa looks and feels great with features such as lining to keep you warm even on the coldest days. The E-Base Sherpa is stylish, warm and comfortable; ideal for cold winter days in the skatepark.
Buy Etnies Clothing from Chain Reaction Cycles, the World's Largest Online Bike Store.
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Blue Teal - Orange


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Get Uncorrelated to Equities! Softs Markets Offer Option Selling Opportunities Ahead of Election
(Video Transcript)
October 18, 2016 Update
Michael: Hello, this is Michael Gross here with James Cordier of OptionSellers.com. We're here with your October edition of the Option Seller Radio Show. This will probably be or will be the final Podcast you'll here from us prior to the election. The next time we speak we will have a new President-elect. We have a lot of things going on this month. Some investors worried about the stock market looking like it might be getting a little bit toppy, a lot of interest in diversification and uncorrelated assets. Right now, we'd like to talk to James a little bit. James, maybe just give your overview on the state of the markets right now leading up to the election. What's your feel on just the general vibe right now?
James: Well, Michael, quite often people try and front run the candidate who looks the best and some people actually, investors alike, want to try and take advantage of who they think is going to win the election. Quite often, what does best is when we have status quo. Quite often, everyone's expecting "Well, if a democrat is elected President, then the market is going to do this. If it's a republican, it's going to do that." Looking back on the history and looking at the 12 months post election, there really doesn't seem to be a strong correlation. It appears to me that what the Federal Reserve is doing is more important. Chances are, going into 2017, I think that's the same way it's going to play out if we continue to have interest rates at a quarter and a half, if Janet Yellen and the Federal Reserve continues to keep hands-off of interest rates going higher more than a quarter percent. I think we're going to have basically the same market that we have right now, probably for the next 12 months. I don't see a big change no matter who gets elected; however, there will be some extreme movements in the market prior to the election and probably right after. I also then see the market just kind of steadying out and then going back to the fundamentals and they'll quite possibly be the fundamentals that we have right now.
Michael: James, that's a great point. A lot of investment shows right now and magazines are talking about which stock you want to buy if Hillary wins and which stock you want to buy if Trump wins. Do you go short the market or do you go long the market ahead of the election. Like you said, I'm guessing a lot of that's going to be knee-jerk type reaction stuff and serious investors are looking 1-5 years down the road, they're not looking 2 or 3 weeks into the future. On that note, we're going to talk a little bit here about getting diversified and, of course, what we do is in the commodities markets. A very interesting sector we're going to cover this month is the softs markets. We have some great fundamentals and seasonals but also some complete non-correlation of what's going on there. I know you wanted to talk a little bit about that. Let's talk about coffee and sugar, first. Some strong bull markets there. What's going on in coffee? What's your take right now?
James: The coffee market is almost similar to the oil market, where Brent crude oil and WTI crude oil, in some cases, have different fundamentals. Clearly, if Brent is rallying $5 a barrel then WTI's going to rally 3 or 4… they usually go in the same direction. Robusta coffee is completely in the news right now in stealing the headlines as Robusta coffee, which is produced in several different countries, namely Brazil and Vietnam. We definitely have a shortfall in the more acidic coffee bean known as Robusta. It's normally grown in lowlands, it's not as sweet as Arabica coffee; however, it does make up a large portion of world supply and demand. Production in Brazil right now is going to be down about 10-15% because of dry conditions for the Robusta beans. At the exact same time, production in Vietnam because of weather problems and concerns is down some 20-25%. Robusta coffee beans are absolutely on fire right now. They continue to make new 12-month highs, and that's what has been dragging up the Arabica coffee. It has been trading between $1.40 and $1.60 for the last several months. We're pushing up along $1.60 and we think that the fundamentals will start separating themselves and we're probably going to have a two-tier market going into the end of 2016 and the beginning of 2017. The reason why is while Robusta coffee beans are extremely tight, Arabica beans are just the opposite. We're looking at a record production this year in Brazil. We're looking at Arabica coffee production for the year 2016-2017, looking at a 6-7 million bag surplus, and that will definitely be putting a cap over prices as we go into the end of this year and the beginning of next. Seasonally, it is flowering season in Brazil. Traders watch that extremely close. As long as we continue to have extremely favorable conditions for flowering season in Brazil, like we have right now, we see a very large crop production next year and the Robusta beans that we lost because of dry conditions this past year will probably be fixed going forward. We see both Arabica areas and Robusta areas of Brazil getting ample rains and we should have a pretty nice rebound in Robusta production next year, as well as Arabica. We're probably looking at the mid to upper 50's again for production. At the same time, we have Columbia producing a great deal of coffee going forward. They're going to be setting new records and we think that this rally in coffee, especially the Arabica bean, is probably going to be short-lived.
Michael: James, that's a good point you're talking about that's the two-tiered market because you have both Robusta and Arabica prices. Arabica makes up the majority of the ICE contract that we trade. Is that correct?
James: It is. It is a blend; however, the majority of it is Arabica beans. As long as that's the case, we could have a two-tiered market. I've been trading coffee for decades and usually they go in lock-step with each other. We're going to see that correlation dissipate some later this year and we think that coffee around $1.60 right now really holds a great opportunity to go short. We would be selling coffee calls for 2017 strike prices nearly double the value that they are right now. We see coffee probably settling down to around $1.45-$1.50 later this year as flowering season continues to go well and fears of a small crop again this year, especially for Robusta beans, that seems to go away and then we're looking at large supplies again next year.
Michael: It seems like the market really ran away. Looking at the fundamentals, I can see what's going on with the Robusta and that's driving price up, but you look at Brazil's total coffee production estimate… I'm looking at 49.4 million bags, that would be the estimate right now, although estimates vary depending on what source you get it from. It's lower than the last couple of years, but it's not that low. That's still a pretty solid figure. When you're talking about the seasonal for Arabica coffee prices, or at least the ICE contract, looking at a 5 year seasonal right now, the thing that seems to come to a pretty good top right in the middle of October and then just falls off a cliff. You're talking about flowering, maybe some of our listeners might not know exactly what that is. What is flowering? Why is that so important? Why does price tend to come down afterwards?
James: Well, flowering, of course, is the period in the year when the tree develops a flower, the flower turns into a cherry, the cherry turns into a coffee bean. It then gets picked and it gets roasted. It is called green coffee bean after it gets picked from the tree. It then is either roasted on site in Brazil or it is shipped to different areas like New York, New Orleans, and Atlanta where they do roasting there, depending on what type of brew they want. If we have ample rains during flowering season, trees can flower 2, 3, and 4 times. If in fact the flowering season does take place like it is right now, we're looking at a tree that has the ability to produce anywhere from 15-20% more coffee beans than it had if it was a dry season. That is why this period of October and November is so crucial to understanding the size of next years' crop. Precipitation in the majority of the Brazilian coffee areas started off early this year. That can be a two-edged sword. If it starts early and then it cuts off, that can be detrimental to the coffee production. If it starts early, like in August and September, and rains continue through October and November, a tree can flower 3 or 4 times versus just 1 or 2. Simple math tells you that the production next year could be greatly increased by ample rains. That's why we have a critical time period in October. That's why the prices usually rally during fears of possible dryness, like we had last year. Once inspection of these trees takes place and the flowering went either well or very well, like it appears to be this year, you can start putting the numbers for coffee beans and bags of production next year already into a spreadsheet and you can tell exactly what type of surplus we're going to have the next year. It's almost like science right now as far as coffee production in Brazil. We do have the ability to do that and right now it's looking like a very healthy crop next year.
Michael: So in the flowering season, that anxiety builds prices up. After we get past flowering, that anxiety tends to come out of the market and that tends to drive prices down into the fall. The seasonal chart seems to reflect that pretty good. Let's talk just a minute about sugar. I don't want to get too far into that, but sugar prices kind of mimicking coffee prices – really on a tear. Are we looking at the same type of fundamentals there or is there something else driving sugar?
James: Sugar has rallied for completely different reasons. On sugar we actually have a production deficit this year. It's the first deficit we've had in approximately 6 years. We've had sugar deficits in the past. The market does rally certainly when that happens. This year, there is anxiety as to whether it's a large deficit or small. A lot of the most recent indications is we're going to have a smaller deficit than previously anticipated, but, nevertheless, world production is going to be less than consumption, thus a deficit. That is why sugar's probably rallied from around 16 to 17 cents up into the low 20's. We think that we're going to be seeing more production in the coming year or two as producing sugar at 22 and 23 cents is a windfall for producers, especially in Asia. Of course, China is the big consumer right now. That's what has created the deficit. Often, we'll see China purchase sugar and it's though they're never going to be eating anything other than sugar and all of the sudden they just turn off the buys and all of the sudden the production deficit that you're looking at turns into more of an even balanced. We think that's what's going on right now in China. We think that they bought a lot more than a lot of people were anticipating; however, they're very great traders. Chinese buy soybeans and cocoa and sugar based on trends. You'll notice that they seem to buying every day and all of the sudden, once they have enough, they stop buying, the price falls back, and then they wait for another opportunity to get in. That's what we think is going on in sugar. Sugar does have a similar seasonal. As harvest in Brazil and other areas concludes a lot of sugar gets dumped onto the market. We think that's what's going to happen later this year. We see sugar probably falling back down to 20 cents, maybe 19, so we are looking at call opportunities in sugar much above the market. We are still doing more work on what type of production figures we have, so we're holding off on selling right now, but we see ourselves probably doing that in either November or December.
Michael: So, in sugar you have a somewhat bullish fundamental of stocks to usage ration right now just under 19%, which would be the third lowest in over 20 years. That's what's driving prices up, but what you're saying is that eventually, at some point, high prices cure high prices and you see that happening right now in coffee and possibly sugar, as well. Is that correct?
James: Coffee for sure. We haven't seen coffee at the $1.60 level for quite some time. The big situation that has caused coffee prices to rally is weather. As soon as we have weather changes, of course El Niño has now changed to La Niña, so we went from a dry pattern to a wet pattern. That's already showing up in Brazil. We expect it to show up in Vietnam, as well. So, as they have better weather for 2017, this 20% reduction in their production this year should probably snap back to a smaller sell-off as far as the value of their coffee. As long as we have decent weather in the western hemisphere, we expect Arabica beans to probably go under pressure possibly $1.40-$1.45 at the beginning of next year.
Michael: Now, if you're an investor and you're listening to this at home and you're hearing James talk about different factors affecting coffee and sugar prices, on the surface some of it might not make sense to you. One thing to understand here is in commodities; we're talking about the fundamentals right now. These are the underlying supply/demand factors that really drive prices. If you really want to invest in commodities, knowing these fundamentals can give you a tremendous advantage over the other investor who's just sitting looking at a chart, looking at technical indicators, having no idea what's actually moving prices. That's why these things are so important if you're going to trade these type of markets. Knowing this information and what's really driving price can give you an advantage in the market that frankly most investors don't take the time to learn or they don't know even while they're trading. One thing we also want to point out here is diversification aspects. When you're talking about coffee and sugar prices, those are what's known as softs markets. There's other softs markets, too, such as cocoa, cotton, orange juice. Cocoa has moved the exact opposite direction of coffee and sugar. So unlike stocks that tend to move in tandem, commodities can move completely on their own. Cocoa is almost in a bear market right now, James. It looks like we maybe making a low, but very low prices right now in cocoa.
James: The cocoa market certainly has just fallen off the table here recently. It was in the low 3,000's per ton and now we're trading around $2,600 per ton… a very large move to the downside. I think a lot of anticipation was similar to what we just discussed in sugar. We had very strong buying out of Asia, and then they just stopped the buys. That's what's taking place right now. Production in the Ivory Coast is about what was anticipated. Production in Brazil is about as anticipated, but the buying just stopped. We feel that a lot of manufacturers, that's what you call the people that turn cocoa beans into chocolate bars that taste so good, they're the ones that dictate the price right now. When production is steady, what's the difference? That is whether manufacturer companies are buying or they're not, and they just basically stopped buying completely. A lot of traders inside the cocoa market thought that there was going to be a large shortfall and it just turned out that there wasn't, and that's why cocoa has fallen off so much. Michael, just to point out a couple things that you were just referring to, the data points that we're referring to and talking about Vietnamese production and the weather in Brazil, this just not tell us, as you know, what the price of coffee is going to do next week. It doesn't tell us what it's going to do next month. What it tells us is where the price is not going to go. That is the key to understanding the fundamentals to the market. If someone's listening to us today and they think they're going to trade coffee and take 2 cents out of the market and then continue programming their computer to buy and sell on the market based on these fundamentals, that is not what this program's all about. This program is for people understanding the fundamentals the fundamentals won't allow the market to fall 50%, it won't allow the market to go up 100% without our prior knowledge, and that's what we're doing here. Anyone listening right now, the fundamental factors will allow the market to move a small amount, but if they're bearish the market won't double in price, if they're bullish they won't fall 50%. Those are the option strikes we're selling, and that is how we sleep at night trading markets like coffee, cocoa, and sugar.
Michael: One question for you, James. These market's you're talking about… coffee, sugar, cocoa… they're trading on the weather, they're trading on what their supply is, they're trading on how much they plan to ship next month. DO these prices care one iota about what's going on in the stock market?
James: No, they don't. The beauty behind getting diversified, the beauty of being diversified in something like commodities, whether the stock market goes up 20% next year or down 20%, the value of cocoa will probably not change, the value of coffee probably won't change, the fundamentals certainly won't, and that is the beauty of being diversified. For investors listening to us now that maybe have stock holdings, or whether they do or they don't, a lot of people need to be diversified. At least, that's what we hear when people call us. I think we do a very good job of getting their assets in something that will not be determined by the price of Apple or any other telephone-making company. So often, the NASDAQ moves up and down based on different ideas and how many phones were sold. The beauty behind what we do, I feel, is that coffee, cocoa, and sugar have been around for a long time, and they'll continue to be. What happens in Washington or what happens in San Francisco doesn't make any difference, and that's why I love what we do.
Michael: Alright, let's move over. Speaking of diversification, let's talk a little bit about soybeans here. Nice thing about soybeans is not only are they not correlated to stocks or equities or anything going on in financials, but they're also not correlated to anything going on in the markets we just talked about. Commodities tend to march to the beat of their own drum or their individual fundamentals for a while. Even on some of the commentary we read right here at OptionSellers.com, the soybean market has had a very bearish fundamentals. The market has been in a downtrend. As a lot of readers and listeners know, that can be very profitable if you're a call seller. Certainly that was a market to take advantage of on the downside in the latest USDA report that came out October 12th, the USDA gives their monthly supply/demand report. That was expected to be a very bearish report for soybeans. Ending stocks were at 365 millions bushels. In this USDA report, they raised that to 395 million bushels, which is bearish but not quite as bearish as many had expected. What tends to happen, and James I'm going to pass this to you in just a minute, but talking about seasonal tendencies… when you get into the heart of harvest, which is in October, that's when soybean supply is typically at its highest because of new supply coming in. Prices, agricultural prices, soybeans in particular, tend to be at their lowest. From that point, traders tend to start focusing on forward sales again. Prices tend to put in a bottom this time of year and then they start to rise. This USDA report might have been an impetus for that. I don't know if a seasonal low is in but it certainly looks possible right now. Prices are starting to rally. That sets up a situation. Is it overly bullish, James, or what do you see coming up here?
James: The October low and the report that just came out are probably going to coincide. We had soybeans trading $10.50, $11.00, $11.50 a bushel, recently. Now we're in the mid $9.00. I think that does coincide with the harvest. Harvest lows normally are made in the first and second week of October. The report that just came out from the USDA showing ending stocks not quite as bearish as previously thought, that is likely the low in soybeans. We think that, going forward, all of the sudden you're into December, then you're into January, then there are worries about planting season. Likely, soybeans will be trading well above $10.00 at the beginning of 2017. So, we are looking at put selling opportunities for that April-May, May-June timeframe for next year. That is when the anxiety hits for planting season in the Midwest and the United States. We're expecting soybean prices to probably rally 10-15%. If we're looking at selling puts 20-30% below the market, which we are, that sets up a really nice safety net for the market to either go sideways, go up a little bit, or actually fall like we talk about in our book in all 3 scenarios of selling puts and soybeans. It's likely going to be profitable over the next 3-4 months. We are looking to do that here in the next week or two.
Michael: So, you could sell puts and then if it rallies a bit possibly sell calls, turn it into a strangle.
James: The bullishness really isn't there for soybeans to rally to $12 or $13. We do see the market rallying possibly a dollar from where they are now, especially going into early 2017 as we starting looking at weather conditions and things of that such. Brazil, Argentina, there will be weather problems there, possibly. It seems as though the trade always makes something up and the market does rally, especially after the harvest in the United States. So, we would look for a rally in soybeans early in 2017 and to what we say "leg on a strangle". We would sell puts now, if the market rallies we would look to sell calls and put a very large window around the price of soybeans. We think that would work probably through the first half of next year.
Michael: If you're a high net worth investor and you're listening to this and you're want to learn more about some of these things we're talking about and how we apply them when we're investing for high net-worth investors, like yourself, you can go and watch some of these instructional videos we have on our website. If you want to learn, for instance, we're talking about ending stocks, stocks to usage ratio, two very important figures when you're doing agricultural analysis, you can watch our video at OptionSellers.com/agriculture. If you want to learn about the strategy of strangles that James just talked about, you can watch that video at OptionSellers.com/strangle. Let's talk a little bit about the upcoming newsletters. If you're on our mailing list and you get our newsletter, the November newsletter, which you should be getting sometime on or around November 1st, interesting piece in there. We're going to talk about 5 ways to survive the next 4 years, regardless of who's the President. We talked a little bit earlier in this broadcast about not focusing on the next couple of weeks but the next 4 years. We're going to list 5 things that, as a high net worth investor, you can focus on. We're going to talk about those things that should help you reap higher returns. As far as our trading strategy in this month's newsletter, we're going to get into some specific strategies for some of these softs markets that we talked about earlier. We talked heavily about the fundamentals today. The newsletter is going to give you some specific strategies you can use to potentially profit from that. These are strategies we're using here. Obviously, if you're a client, you're having these done for you. A lot of investors at home, they want to look, they're trying to learn this. Sometimes they'd like to follow the trades. Some people actually like to take and do one or two of them to get a feel for how it works to see if it's something they might want to invest in. So, that's what these are for. Also, going to talk about the two key criteria for judging an alternative investment. There's some original insights in there that, if you do invest in alternatives, this will be helpful to you. Getting into our trading lesson this month, James, this is a question that comes up often. As far as structuring, building a portfolio to target returns that different investors want to look for. I know that when I'm talking to potential investors on the phone and, certainly, when you're speaking with new clients we're setting goals and then we're putting together a plan to hit those goals through writing option premium. We have one program here, but we have the ability to scale that to a conservative, moderate, or aggressive posture. I think some of our listeners might be interested in hearing how you do that when you're building out this type of portfolio. Can you talk a little bit about that?
James: Certainly. When I speak to a new client, we go over their goals, their objectives, their risk tolerance, and what they're hoping to achieve over the next 5-10 years investing with us. The question always comes up, "If I'm conservative, do I sell these certain options? If I'm aggressive, I sell closer in options? Or I'm trying to sell premiums that are wider than the possible $600-700 per contract that we normally sell options for." The answer is quite simple. We are basically selecting the most conservative strike prices with the highest availability of opportunity and decay in those values that we can find. So, we are going to sell options that are 50, 60, 70% out-of-the-money. For a slightly more aggressive client, we sell the exact same options, we're just utilizing more of their margin money. A slightly conservative client would be positioning their account approximately 40-50%. A moderately traded account, we are positioning slightly higher percent. An aggressive account is a 60% plus. We're utilizing the same option strikes that we would for a conservative account as well as an aggressive account, and we're simply throttling their leverage. That can make quite a difference. When we are utilizing the ability to use more leverage and sell a greater deal of premium, on positive years that can make quite a difference. We are looking at trying to produce returns of 15-25%. Conservative account is on the 15% side and the aggressive account would be 25% or greater. Very happy, as you know, Michael, to talk about how we did last year. We beat all of those numbers. We are on track to beat those again this year, whether you're a conservative or aggressive client. That is how we throttle someone's leverage, and that is how we understand risk for each client. Before we get started trading, that's exactly what we talk about and make sure that everyone's on board with exactly what we're trying to accomplish and the risks that are involved.
Michael: James, I want to throw in a disclaimer here. I'll be the compliance guy … there's risk involved and you can always have loss in any type of investing, including this one. Although we're not making guarantees, these are the type of targets we go. Based on our past, we feel these are realistic targets. One of the questions we get often when we're talking about the differences to these conservative, moderate, and aggressive stances. One program, we scale it up and down only through the use of margins. Some investors might think, "well, aggressive you use different strategies. You might write different types of options for that than you do a conservative. You might manage risks differently." What we tell them is what you were just saying – that's not the case. We manage risk the same across the board. The only difference there is really how much margin you're keeping as backup and your position size. So, an aggressive account would have slightly more positions on than a conservative, but they're going to be the same positions. Is that correct?
James: That's exactly right. It's very easily done. We are selling the exact same options, the exact same strike prices, for all of our accounts. We simply tailor the leverage to what a client and their goals are. It's very easily done, but we do have a long discussion before someone does start investing with us. That's exactly how it's done, Michael.
Michael: James, one final point to make here. I know a lot of listeners out there, if you're listening to this, a lot of index option traders. Whether you're trading the S&P, a lot of Russell 2000 traders… one thing about this type of portfolio, if you do get into it on your own or through a company like ours, it offers the ability to diversify across a whole sloth of uncorrelated markets. We were just talking earlier about coffee, sugar, cocoa. They're trading in complete opposite directions. If you're just trading a Russell, you're in one market. If you're in the wrong side of that market and the thing moves against you, you're not very diversified. The advantage of this type of portfolio is you can diversify over a group of different uncorrelated markets. You're selling options and many of them, even if 1 or 2 of those markets goes the wrong way, you still have 4, 5, 6 that are working in your favor. Is that what you've found, James?
James: Michael, it's interesting. You know what our portfolios look like, our clients know what our portfolios look like. We'll have a strangle around gold that we're short from 2,000 and long from 1,000. We are bullish crude oil for the summer driving months, we're bearish for the winter months. We follow seasonalities for cocoa, coffee, sugar, and orange juice. We watch seasonal fundamentals to trade soybeans. We follow the silver market extremely closely. The ability to diversify inside a portfolio like this, I know I'm kind of beating the drum on it, but I know so many investors right now are listening to the Carl Icahn's of the world right now and saying, "The stock market might not be the place to be over the next 5-10 years." Nobody knows that. Not even Carl, he doesn't know it either, but when you hear people talk like that there is no diversification. If the stock market falls, it doesn't matter really what stock you're in. The fact that we have the ability to be neutral on different commodities and at the same time be bullish and bearish another basket of commodities, it truly does diversify you. Of course, we don't have anyone have 100% of their portfolio with us, certainly it's a smaller than that. The ability to, as we state on the front cover of our book, "Possible good returns in bull and bear markets", and that's what a lot of people are excited about right now as the stock market might be at an inflection point. I know I'm not a big cheerleader for shows like Bloomberg, or CNBC, or what have you because they have so many different people coming on, but you talk to these billionaires that they are interviewing and they are certainly waving a couple flags when it comes to stock market for the next several years. So, we'll see what happens. Maybe being in commodities is not for everybody. Everything we do we are not right all the time; however, being in another asset class certainly is looking more interesting to a lot of our listeners and, certainly, our clients.
Michael: James, that's a great point to bring up just in closing here. When we were writing our newsletter and putting stats together, we pulled a stat from Barron's a couple weeks ago. I might have to put a disclaimer on the end of our podcast here just to document where I got it and who said it, but out of Barron's looking for a, I believe, 1.4% annualized return in the S&P over the next 10 years. That's after inflation. Even if the thing doesn't roll over, that's not the type of investment I'd be looking to put money in, but take that for what it's worth. I'll get the stats from where it comes from.
James: Michael, I'm a big Barron's reader and I missed that stat, I missed that article. That is almost jaw dropping. Can you imagine being invested like that and that is your goal? We'll see! To each their own. Investing is personal. When people say, "How much should I invest? How much should I do?" Investing is personal. Those are definitely interesting stats that Barron's and the people that they were talking to are looking out at the next 10 years. I think mattress sales are going to go up quite well, as in "Put you money under mattresses". That's an interesting stat.
Michael: Well, we've had an interesting talk this month. For those of you inquiring about new accounts, unfortunately we have none available until after thanksgiving right now; however, Rosie still has a few consultations available in November. If you're interested in booking a pre-account interview consultation, you can call Rosemary at 800-346-1949. You can also request online at email@example.com. James, thanks for your great answers this month and information for our listeners.
James: Michael, it has been my pleasure. I love doing this show and educating people who think outside the box, like our listeners, is just so entertaining and so much fun for me. Looking forward to doing so again for the next several months.
Michael: Of course, anyone listening, if you'd like to learn more about our company and our program, you can go to OptionSellers.com. There's a wealth of information there. Have a great month of option selling, everyone. We will talk to you at the end of November.
*** Mr. Gross' reference to the forecast listed in Barrons is from the August 29th issue in which Research Affiliates projected the S&P 500 to average a 1.1% annualized return over the next 10 years, after inflation.
Anderson B. Says:
October 24, 2016 at 2:18 am
Hi James and Michael
After listening to this Podcast, I went ahead and took a look at a daily chart of Natural Gas. It has been falling for the past week or so, which increased the implied volatility. I guess my question is, is it better to sell calls after a rally in the asset and a lower IV, or a drop in the asset and a higher IV?
I hope I made some sense.
You guys are fantastic!
Thank you so much for all you do!
Dmitry Says:
October 21, 2016 at 9:29 am
Dear James and Michael,
many thanks for the new interesting video.
i would like to ask your view on 1) Soybeans and 2) Coffee markets.
For Soybeans we are in Oct harvest low and hedge funds started buying and pushing prices up. Hightower suggest prices should go down. The crop yields are expected to actually increase further up from 51.4 bushels and November USDA report might prove more bearish? Would be great to hear your view on this. Would you still expect soybean prices to increase another dollar from today's levels?
For Sugar (and soybean too), what kind of influence on crops and prices the developing La Nina may have?
Thanks so much if you can share your thoughts on this.


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Hack E-mail: Connect With Anyone, Build Your Business And Brand, Become An Unstoppable Force
By: Danny FloodBecome an Unstoppable Force with E-mail. If you have a business or brand that you want to bring to the light, then this is the book for you. In "Hack E-mail," I share my best strategies for turning e-mail into a marketing weapon.
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Book DescriptionBecome an Unstoppable Force with E-mail
If you have a business or brand that you want to bring to the light, then this is the book for you.
In "Hack E-mail," I share my best strategies for turning e-mail into a marketing weapon. From e-mail outreach campaigns I've been able to:
1) Book between 40-50 podcast and radio interviews across the world, promoting my first book ("Buy Your Own Island) to a best-seller
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On Thursday, we had our 3rd fun run around Ala Moana Beach Park. I was inspired by the Jim Carrey movie "Yes Man". My favorite part of the movie was when Allison introduced me to running photography! 🙂 Enjoy!
Thank you @LenaHanson @Melissa808 @chrisota @YakuzaBento @ChrisHall78 @rsuenaga @tze888 @tobitoyama @p_dub @charlieboy808 @PARTYALLMYOWN1 for coming and making it SUPER DEE DUPER FUN RUN!!! 😀


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The F1100 Classic wood stove is perfect for smaller rooms and provides heat with an easy to use, single draft rod. It's functional sized firebox provides warmth for up to 8 hours from a single load of wood.
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Feel good again about buring wood, knowing that this wood stove is clean buring; certified by the Environmental Protection Agency (EPA) and meets strict clean air standards.
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Top 10 Reads (#2) of 2016
I hope you enjoy this list of books I enjoyed reading this year. What are your Top 10? Advertisements
I hope you enjoy this list of books I enjoyed reading this year. What are your Top 10? Advertisements
"Morland Place had worked its way into her heart. It was her home now, and if she didn't quite see herself as a Morland, at least she saw Morland Place as belonging to the Turlingham's,"
"…Don't feel sorry for me. I'm glad I had a second chance in life like you said to be smart because I learned a lot of things that I never knew were in this world, and I'm grateful I saw it even for a little bit."
"She says nothing at all, but simply stares upward into the dark sky and watches, with sad eyes, the slow dance of the infinite stars."
"I can still tend the rabbits, George? I didn't mean no harm, George."
This sort of fiction is so rare a review for me that it requires a whole new category of its own!
"I know that sounds hard to believe but its definitely true because this is a book and books don't lie,"


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Engie Insight CEO Mathias Lelievre took to the road this summer, traveling to 10 American cities in 10 days. After the tour concluded, he shared with us how it went, and which new opportunities he spotted.
Best Practices
Best practices articles are developed and run by the Environment and Energy Leaders Institute, the convening, best practices, thought leadership and peer-learning arm of Environmental Leader, Energy Manager Today and The Environmental Leader and Energy Manager Conference.
Date: Wednesday, December 7, 2016 Time: 04:00 PM Eastern Standard Time Best-in-class companies drive EHS performance by ensuring the safety of their workers, preventing injuries and illnesses, and addressing near misses. In addition, by creating and nurturing a culture of safety, they go beyond simple compliance with regulations and implement … Read more »
The FluoroCouncil has published a best environmental practices guidance document for the global apparel industry to help mills and finishers minimize waste and environmental releases, while also keeping fluorinated product performance in the textile. Guidance for Best Environmental Practices (BEP) for the Global Apparel Industry: Including Focus on Fluorinated Repellent … Read more »
General Motors is sharing details about how it has turned more than half of its manufacturing plants into landfill-free facilities and which best practices helped the automaker turned its own waste byproducts into a $1 billion-a-year revenue generator. GM released a downloadable blueprint "The Business Case for Zero Waste" in … Read more »
Facebook has unveiled a green data center that it says uses 38 percent less energy to do the same work as its existing facilities, while costing 24 percent less – and the company says it wants other companies to adopt its technology. The Prineville, Ore., data center uses custom-designed servers, … Read more »
Environmental managers are becoming responsible for reporting ever-larger amounts of data, which they need to dissect in more and more ways, according to participants in an Environmental Leader webinar. Speaking to participants in yesterday's webinar, Energy and Environmental Management: Best Practices for 2011 and Beyond, Hara's Michel Gelobter said companies … Read more »
CEOs from Wal-Mart, Fedex, PepsiCo, Whirlpool and Verizon are among the 97 executives from leading U.S. companies that share some of their best sustainability initiatives in the Business Roundtables' annual report. These companies have committed to reducing emissions, increasing energy efficiency and developing more sustainable business practices. The report, "Enhancing … Read more »
The ECO:nomics conference, hosted March 5 by the Wall Street Journal, yielded some best practices for businesses hoping to reduce their energy use and carbon footprint, as well as some tips in "green" marketing. Participants broke up into groups to discuss what works and what does not. Here's a look … Read more »
APM Terminals is calling for global container terminal operators to share best practices and to standardize the metrics used for measuring their carbon footprints in an effort to improve the industry's overall environmental performance, reports the Journal of Commerce. Henrik Kristensen, senior director of sustainability at APM, reported during his … Read more »
The University of Washington and CH2M HILL have released a project-based roadway sustainability rating system that provides performance metrics and best practices for roadway design and construction. It covers the design process, construction activities within the work zone, materials hauling activities, production of Portland cement concrete and hot mix asphalt. … Read more »
Although a new report helps readers gauge the value of information in corporate responsibility reports (CSR), it also provides valuable insight into how CSR reports should be written. In addition to helping readers quickly and easily identify the most valuable parts of CSR reports, the Boston College Center for Corporate … Read more »
The Aberdeen Group has identified Energy Intelligence, the heart of EPS' energy and carbon reduction solutions, as a best practice approach to reducing energy use in the industrial manufacturing sector. The report, "Energy Intelligence: Creating Data Driven Efficiency," based on data from more than 200 manufacturers, finds that those that … Read more »


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Google's voice assistant technology, spurred on with "Okay, Google," has been present in Android devices for a bit of time now, and if a new report is any indication, it's about to expand in a big way.
Recode has learned that Google is hard at work on a product that is similar to Amazon's Echo. The device apparently integrates Google's voice assistant technology and extensive search capabilities. It will supposedly resemble the OnHub router released by Google last year.
While the device does not have a name yet, it is apparently known as "Chirp" internally.
Unfortunately, Google didn't supply any comment to the publication regarding the report. Google might not showcase the new device at this year's Google I/O, which is set to take place later this month, but the technology that will power it will be on display in other capacities. And while Google doesn't have plans to show off the device next week, the report does say that the company plans on launching it at some point this year.
What do you think of the idea for Google Chirp?


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There's a movement taking over many parts of the world that focuses on more holistic, organic, and natural ways to approach raising kids. This natural approach centers on the development of strong, creative, and intelligent kids through the use of more natural means, spanning from toys and activities to diet and exercise.
The natural approach to developing strong, intelligent kids extends into many facets of life. Below we discuss a few primary means in which parents, guardians, and mentors alike are fostering childhood growth in a more impactful and natural manner.
Social Interaction is Vital
One of the most influential ways in which kids can naturally grow and learn is through social interaction with both peers and older kids and adults. Social exposure and engagement enables kids to truly see the actions and behaviors of others, enabling them to naturally create their own sense of personality.
Additionally, kids naturally look-up to old children. Surrounding young children with good role models, such as honorable brothers, sisters, and family members, promotes great intellect on many different levels. Additionally, kids can learn the importance of proper diet and exercise from old kids with the right mindset.
Invest in the Right Natural Toys
There is an overwhelming amount of toys to choose from for kids. And many of these toys are far from natural. The most common are these so-called educational toys that make loud noises and attempt to interact with kids. However, the truth of the matter is, many of these toys fail to engage with kids on a deeper level, and often lead to passive behavior patterns.
Seek out more natural toys for kids that are simplistic and made from natural and organic materials. These types of natural kids toys might seem basic, but they are actually ideal in encouraging creative and imaginative play in children. For instance, the wooden kitchen play set is perfect natural option that offers a wide variety of features and accessories that keeps kids creatively active for hours on end.
Proper Diet & Exercise
Although only common in more conscious families (at least in the United States), underscoring the importance of natural and healthy eating is important for kids to tap into a higher level of intelligence. Food is fuel for the body and brain. And when that fuel consists of mostly natural and organic fruits and vegetables, kids will then thrive in more ways then one.
Parallel to proper diet is the importance showing kids the value and significance of exercise and keeping one's body in good health. Although some forms of exercise might not seem the most exciting in kids (e.g. jogging), getting creative and making exercise fun is the best way to go. There are tons of games and outdoor activities that enables kids to keep active. Additionally, sometimes investing in things like bicycles, scooters, roller blades, or ice skates are a great way to get kids excited to exercise (even though they might not even look at that way.)
Do you have any tips for parents and families look to take a more natural approach to developing kids who are strong and intelligent? Let us know in the comments section below.


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Losing Weight Tricks. Nowadays more than 30% population of the world has issues with their weight or what we call obesity. Most of them frequently blame junk food dining establishment such as the gigantic McDonald's. Since they do not want to accept the genuine reality, they blame McDonald's. Nevertheless blaming others would not change the fact. Why not do something about it? Actions will give you health. Actions will offer with great deals of sweetheart or boyfriend. Actions will make you seem like a be successful individual. Action modifications whatever!
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When you seem like you are starving, you are most likely to get the first thing that occurs, even if it happens to be bad for you. Attempt to cook and bring your very own meals with you when you leave the house. Instead of eating at a restaurant or restaurant, you can consume healthier by bringing your lunch to school or work. Bringing a lunch along will assist you avoid temptations. In addition, bringing your own lunch typically saves you more money than eating out at a dining establishment; for that reason, you will be conserving cash and dropping weight.
If you get bore of the very same diet plan after some weeks, you can purchase an upgrade. It will offer you an access to "Beyond Calories" guide that uses more food choices with a larger list.
How About Weight Loss Programs Near Me?
Many of us pick treats for quick energy when we are feeling tired. But do not confuse hunger with lack of energy. When consuming every 2 to 3 hours select healthy treats like fruit and veggies, nuts and seeds or whole grain crackers with peanut butter or cheese constructed of low fat milk. These healthy snacks will offer you energy, nutrition and carry you to the next meal.
Diet Plan Incorporated
Do not become consumed with the scale. Weighing yourself a lot may dissuade you because the outcomes are not instantaneous. Exercising builds muscle, which is heavier than fat. The best method to evaluate whether or not your weight reduction plan is working is to examine how well your clothing is now fitting.
Non-active life style is among the significant contributing elements of obesity. Even if you take a great diet that has restricted variety of calories, if you are not active adequate to burn even that much of calories it is inescapable that the fat in the diet will get deposited in numerous locations of your body. For that reason, you have to do some gardening in your home or you need to go to the fitness center for at least 20 minutes to have a great exercise. Exercise is an important part of any weight loss program.
Exercise To Lose Weight Which Suits You
Snacking habits, these are most likely among the most essential things to change. Select healthy snacks, celery, carrot sticks, low fat cheeses, lowfat yogurts, juices, and fruits are some examples. Set those French french fries aside, eliminate the soda and sugary beverages. Restriction those unhealthy deep fried foods, cakes, sweets and sugary snacks, remove them from the house! Explore the healthy snack world! Go online, you will find heaps appetisers, snacks, meal accompaniments, even movie going and Party snacks that'll satisfy every yearning.
You have to be extremely mindful even with processed foods that declare to be low fat; frequently times when they take out the fat they include calories in other methods to enhance the flavor. By doing this they can still market slim, sly huh! Whenever you buy food items that are packaged and processed read the labels thoroughly.
The Summit Point West Virginia Fat Loss Programs People Will Count On
Have ACTIVE Hobbies! Simply 30 to 60 minutes of physical activity daily isn't enough. And moving from bed to chair, to sofa, to dining table, and back to bed is not a healthy way to live. Try a Wii or movement sensing unit type gaming console that lets you enjoy active enjoyable video games with family and friends. Plan weekend journeys, dance, play sports, the list is unlimited. Leave the rut you remain in, and you'll have a good time in addition to losing weight.Do these things and you will drop weight.


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Words containing afier
Found 2 words containing afier. Browse our Scrabble Word Finder, Words With Friends cheat dictionary, and WordHub word solver to find words that contain afier. Or use our Unscramble word solver to find your best possible play! Related: Words that start with afier, Words that end in afier
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IT Status Alerts
Below is a list of all unplanned downtime issues and upcoming scheduled maintenance that IT Services is aware of.
If nothing is listed below, IT Services is not aware of a problem with our services.
If you are experiencing a problem, please contact the IT Service Desk for more help. For more info on our system's downtime and maintenance, see: Scheduled Maintenance Windows page and UMass Online status page.


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Throughout The Car Industry
General Motors Launches 'Maven' Car Sharing Brand, Has Uber In Its Sights
The rise of Uber as the nation's most popular ride sharing service has not gone unnoticed by many in the automotive industry; some auto companies planning ride sharing services of their own to counter Uber's influence on the market. General Motors has unveiled its response, partnering with Uber's chief rival Lyft, in creating its all-new 'Maven' ride sharing service in its attempt to bring ride sharing to more customers.
General Motor's new plan expands beyond the small pilot programs that initially tested the waters for such a service. All of its services will be wrapped under the 'Maven' brand moniker, which comes from a Yiddish word that means "expert." An earlier trial program was called "Let's Drive NYC", but the new branding allows the service to appeal to a much wider segment of the population while allowing the brand to appear more unified and cohesive than ever before in all markets.
GM president Dan Ammand stated, "With the launch of our car sharing service through Maven, the strategic alliance with ride-sharing company Lyft, and building on our decades of leadership in vehicle connectivity through OnStar, we are uniquely positioned to provide the high level of personalized mobility services our customers expect today and in the future."
The new service will face its first big test when it is rolled out to the 117,000 residents of Ann Arbor, Michigan. When the service arrives in the city, it will initially focus on the students and faculty of the University of Michigan with the company placing vehicles at 21 diffrent parking spots across the city. A few months after this, the Maven service will expand to Chicago and be available to residents who live in certain housing properties. As for the New York program, it will continue but expand its availability to more customers who live in additional buildings.
Posted In: Car News, Miscellaneous, Reports
Tags: gm, gm news, maven, gm maven, ridesharing, gm ridesharing, lyft, gm lyft, report, gm report
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Félix Germek-MichaudLawyer / Montréal
Telephone 514 877-2951
[email protected]
[email protected]
Areas of practice
Félix Germek-Michaud is a member of the Labour and employment law group. He joined Lavery in 2015 and also articled with Lavery in 2018.
Félix completed a Bachelor in Business Administration and a Bachelor of Law with honours from the Université du Québec à Montréal. While a student, he interned in a labour law firm and studied abroad at the University of Lausanne, Switzerland.
Before joining Lavery, Félix worked for several years as a city manager. He also worked in insurance and real estate.
- Honour Roll, Bachelor of Law (2017)
- Dean's Honour Roll, Faculty of Political Science and Law, UQAM (2015-2016)
- Dean's Honour Roll, Faculty of Political Science and Law, UQAM (2014-2015)
- Member of the Barreau du Québec
since 2018
- Professional Development,
École du Barreau du Québec, 2017
- LL.B., Université du Québec à Montréal, 2016
- B.A.A, Université du Québec à Montréal, 2011
- Student Exchange Program, Faculty of
Business and Economics of the University of Lausanne (HEC Lausanne), 2010
Boards and Professional Affiliations
- Young Bar Association of Montreal
Publications by Félix Germek-Michaud
News/Press release by Félix Germek-Michaud
Lavery hires five of its articling students