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Fact: Between 1984 and 1999, during a great bull market in America, roughly 90% of mutual fund managers underperformed the Wilshire 5000 Index, a relatively low bar to beat.
Ninety percent. Think about this for a moment. Only one out of 10 "expert" mutual fund managers generated a return higher than that of the overall general market. Why does this happen? How is it that an overwhelming majority of intelligent professionals fail to produce a par result for their investors?
The sad truth
The answer is twofold. First, mutual fund managers tend to focus on short-term results, and second, they tend to follow the herd. Mutual fund managers define their investment strategy with particular styles such as "small-cap value" or "small-cap growth" to isolate the parameters that guide their portfolio selections. Any business that does not fit into the particular investment focus of the fund is screened out, regardless of its suitability for investment.
The reason mutual fund managers limit themselves to a particular class of equities is because doing so appears rational and is therefore seen as the safest option. Who wants to appear irrational? This rationality (or lack thereof) is how mutual fund managers are able to justify their performance to their investors.
Investors, wanting evidence that a mutual fund manager's decisions are reasonable, compare managers' decisions and performances with those of their peers. Mutual fund managers, knowing this investor behavior and anxious to protect their jobs, simply mimic their peers. Just look at how many funds own many of the same large stocks:
No. of Funds Owning Shares
Philip Morris International
Johnson & Johnson
Source: MFFAIS.com.
This mimicking destroys any informational advantage these managers may have had, leading to a shortage in investment possibilities. As John Maynard Keynes wrote in The General Theory of Employment, Interest and Money, "Worldly wisdom teaches that it is better for reputation to fail conventionally than to succeed unconventionally."
What does all this say about mutual fund managers? That, in their goal of wanting to do what seems to be safest, they follow the crowd, resulting in performance below that of the general market by sticking to the same investments as their peer groups.
A different way
Here at the Fool, we are anything but conventional. In fact, some might go so far as to say that we are an extremely unconventional band of brothers and sisters. That's a good thing, you see, because it means we filter out most of the nonsense and give you the skinny on what really matters in order to multiply your money.
Fortunately for investors, they have some options. Two of them are index funds and what legendary investor Warren Buffett terms "superinvestors." While the focus of this article is on the latter, here's a simple word on the former: Index funds are a great way to mimic the market without the necessary (sometimes outrageous) fees of a mutual fund. These low-cost, passively managed funds are, in general, far superior investments to mutual funds in many asset classes.
However, it is possible to have consistent market-beating returns in mutual funds -- and by a healthy margin, at that. When you think about trouncing the market, names such as Bill Ruane of the famed Sequoia Fund, Bill Miller of Legg Mason
The common thread among these "superinvestors" is their relentless pursuit of quality investments at attractive prices, otherwise known as value investing. Buffett, another superinvestor, beautifully illustrates this idea as "buying dollar bills for 50 cents." This discipline, coupled with patience and a total lack of emotion about the market's daily swings, has served these investors amazingly well over decades.
Buffett once remarked, "Investing is simple, but not easy." One simply needs to find good businesses run by able management selling at a good price.
Take a businesslike approach
Our analysts at Motley Fool Hidden Gems also follow their own path. Year after year, the small-cap newsletter's analysts have found market-beating stocks, utilizing a focused approach for finding well-run, attractively valued small-cap companies.
Ben Graham, the dean of value investing and a mentor to some of the greatest investors, has said "investing is most prudent when it is most businesslike." A simple concept, but one that very few mutual fund managers practice.
When you purchase a home, you hunt for a good price, safety, and a quality neighborhood. You do your research and then purchase the most attractive home, giving strong consideration to these factors. Investing and investment managers must be the same way, so as not to be mistaken for speculators. You want a bargain, safety, and quality management.
While not all investors will choose to manage their own money, investors must demand market-beating performances from their financial gatekeepers if they are to justify the fees they pay them to manage their money.
It's hard to buy risky stocks, but they can pay off the most. Here's one example of a home run stock you're probably too afraid to buy.
This article, written by Sham Gad, was originally published May 29, 2007. It has been updated by Dan Caplinger, who owns shares of Philip Morris International. Microsoft and Wal-Mart Stores are Motley Fool Inside Value recommendations. Philip Morris International is a Motley Fool Global Gains choice. Johnson & Johnson is a Motley Fool Income Investor recommendation. Motley Fool Options has recommended a diagonal call position on Microsoft. The Fool owns shares of Legg Mason. Try any of our Foolish newsletters today, free for 30 days. The Fool has a disclosure policy.


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Lamborghini Huracan revealed: Top speed 325 kmph (24 Photos)
Speaking about the new Lamborghini Huracan LP 610-4, the manufacturers say that their new car not only replaces the Gallardo, but also redefines the segment. Developed right from scratch, Hurracan will deliver a unique sportscar experience along with easy drivability for everyday use. Just like other Lamborghini car name's Huracan's name too is derived from a Spanish fighting bull, of the Conte de la Patilla breed from the 1870's.
The other new thing in the Huracan, is it's transmission system and all wheel drive. Lamborghini says, that Huracan features a new 7 Speed DCT 'Lamborghini Doppia Frizione' (LDF) and fully electronically controlled four-wheel drive system. What this results in, is a 0-100 time of 3.2 seconds, 0-200 time of 9.9 seconds, and a top speed of 325 kmph, for a car that weighs 1,422 kgs (dry). The engine is EU6 compliant, and offers a mileage of 8 kmpl with CO2 emissions of 290 g/km.
On the inside of Lamborhgini Huracan, you will find a futuristic cockpit loaded with state of the art gadgets. All details of the car will be delivered to the driver via a 12.3″ colour screen. This is where you get all your information, right from rev count, speed, navigation, infotainment, etc. You can also set up your driving modes from here. Three driving modes are on offer, STRADA, SPORT and CORSA. Depending on road conditions, you can select your drive mode.
Speaking about production, like other Lamborghini cars, the Huracan too will be produced at Lamborghini's factory in Sant'Agata Bolognese. A new production line has been set-up for the production of Huracan and deliveries to customers will begin from spring 2014. To showcase their new car, as many as 130 private preview events will take place across 60 major cities in the world, starting January 2014. Price will be announced closer to launch date. For more information, scroll through the press release below.
The new Lamborghini Huracán LP 610-4: A new dimension in Luxury Super Sports Cars
· Innovative technology and absolute performanceredefine the super sports car experience
· Pure and powerfully dynamic design language
· New V10 with 610 hp, acceleration from 0-100 km/h in 3.2 seconds,top speed of over 325 km/h
· From January 2014: private preview events for qualified prospects
Sant'Agata Bolognese, 20th of December 2013 – A new era is beginning for Automobili Lamborghini and the luxury super sports car segment: with the brand new Huracán Lamborghini is not only presenting the successor to the iconic Gallardo, but is also redefining the benchmark for luxury super sports cars in this segment. With its pure and unique design, an innovative technology package, outstanding dynamics and excellent quality, the Huracán offers a super sports car experience on a whole new level. The Huracán combines absolute performance with easy-to-drive road behavior and both luxurious and sport-oriented finish. With the Huracán, Lamborghini is taking a big step into the future, and enhancing the brand's illustrious history with the next automotive legend.
Starting from January 2014 the Huracán will be the protagonist of over 130 private preview events in more than 60 cities throughout the world.
The Lamborghini Huracán will make its world public debut at the Geneva Motorshow 2014.
With a total volume of 14,022 cars produced, the Lamborghini Gallardo has been the most successful Lamborghini ever and, in its ten-year lifecycle, lifted the Lamborghini marque to a whole new level. Its successor, the new Huracán, has been developed from scratch down to the very last detail and, like the Gallardo and most other Lamborghini models, derives its name from the world of bullfighting. The fighting bull Huracán of the Spanish Conte de la Patilla breed was known for his outstanding courage and strong sense of attack. He fought in Alicante in August 1879, showing his unrelenting character and remaining defiant and invincible, thus entering into the legend of fighting bulls' history.
The new Huracán revolutionizes the design language of the Gallardo and is pure in its lines: precise technology and top level craftsmanship meet an audacious design with sharp edges, monolithic and sculptured volumes and precise surfaces. The starting point is the silhouette of the Huracán, born out of the desire of creating an automobile, whose profile is defined by only one line that merges the front with the cockpit and the rear of the car. The lateral windows come together to create a hexagonal form inserted like a glass jewel in the car's profile.
Also by night is the Huracán unmistakably a Lamborghini. Not only are the main headlamps equipped with full LED illumination, but all other light functions also feature state-of-the-art LED technology as a standard feature for the first time in the segment.
The interior is dominated by an innovative cockpit. A 12.3 inch full-color TFT instrument panel delivers all car information to the driver, from rev counter to navigation maps and infotainment functions, and can be configured by the driver in different setups. Fine Nappa leather and Alcantara distinguish the interior, with several color combinations offered to ensure broad individualization options. The design of dashboard and central tunnel underline a new lightness in the interior. Superb craftsmanship guarantees the highest quality and sense of luxury throughout.
Chassis and powertrain
Systematic lightweight design and Automobili Lamborghini's extensive expertise in carbon fiber come together in the Huracán's new hybrid chassis – an integrated structure of carbon and aluminum elements. With a dry weight of 1,422 kg it enables not only the excellent power-to-weight ratio of just 2.33 kilograms per horse power, but also guarantees race-car precision with outstanding stiffness.
The new 5.2 liter V10 engine delivers a maximum power of 448 kW / 610 HP at 8,250 rpm and a maximum torque of 560 Nm at 6.500 rpm. In the new ''Iniezione Diretta Stratificata'' (IDS), direct and indirect gasoline injections are smartly combined. This results in more power and torque with lower fuel consumption and emissions compared with the Gallardo V10 engine. The top speed of over 325 km/h and the acceleration from 0 to 100 km/h in 3.2 seconds and to 200 km/h in 9.9 seconds only partially describe the dynamic experience at the wheel of the Huracán. Also thanks to the Stop & Start technology, the combined EU consumption figure has been further reduced to 12.5 liters per 100 km (290 g/km CO2 emissions). The engine complies with EU6 emissions regulation.
Driving dynamics
The power of the V10 engine is brought to the road via the new 7-speed dual-clutch transmission ''Lamborghini Doppia Frizione'' (LDF) and fully electronically controlled four-wheel drive system. The different driving modes of the Huracán can be selected via a driving dynamics selector switch in the steering wheel — from traction-oriented on the road to extreme performance on the race track, with three setups of the dynamics system: STRADA, SPORT and CORSA. The different modes ensure extensive modification in road behavior of the Huracán. In particular they influence the set-ups of several systems, such as the gearbox and engine behavior, the sound, the four-wheel-drive system and electronic stability control. The Huracán's carbon-ceramic brakes are a standard feature for consistently superb braking performance. The ''Lamborghini Dynamic Steering'' variable steering ratio system and magneto-rheologic suspension damper control are both available as options for further customization of the Huracán's dynamic behavior. They are also calibrated via the three different dynamic set-ups.
The Huracán is produced at the Automobili Lamborghini headquarters in Sant'Agata Bolognese on an entirely newly-equipped production line. Delivery to the first customers is planned for spring 2014.

subset: commoncrawl


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The Urban County Council voted unanimously Tuesday to move forward with the purchase of body cameras for Lexington police officers.
A final vote on the $600,000 allocation is expect in a couple of weeks.
Council members initially cut body cameras from Mayor Jim Gray's budget, citing a lack of information on access and management of data storage, and possible hidden costs. That decision sparked criticism from community organizers at recent city meetings.
Chief administrative officer Sally Hamilton told the council during Tuesday's work session that the city had found an experienced vendor who had alleviated some of the concerns about the long-term costs of storage the video. It will not be as expensive as the city was first told, Hamilton said.
Police Chief Mark Barnard said the city had promised the NAACP and others in the community that they would try the body cameras.
"Everywhere I go, I have been questioned about body cameras," Barnard said. "It's a public trust issue."
Equipping police officers with body cameras became a national issue as tensions flared over the killings of unarmed black men and teenagers during the past year, most recently in the deaths of Freddie Gray in Baltimore and Walter Scott in North Charleston, S.C. The officer who shot Scott was charged with murder after a bystander shot a video of the encounter.
April Taylor, a blogger and organizer with the Kentucky Justice Coalition, a social justice organization that works on racial and economic justice issues, said body cameras were needed to show "accountability."
"The interactions I have with officers when they think I am recording them are completely different in terms of the respect they give me and the legality of their actions," she said. "I don't get illegally searched, cited or arrested when the interaction is recorded. Walter Scott isn't an isolated incident. Had that guy not videotaped it, the entire world would believe the officer's story about Scott getting the officers Taser."
Lexington police were awarded a $160,000 federal grant to test body cameras. Police are testing two models, and have spoken to Google about storage and usage, Barnard said.
"For us it is a priority, because I think the community wants it, we think it'll provide better evidence in court cases and procedures, and I think it's an expectation of the community," he said. "We're supportive of it."
Barnard said that police cameras were part of a new wave of policing and that Lexington needed to be ahead of the curve.


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Arrive early – The best stuff goes quickly so the earlier you can get there the better chance you'll have at getting what you are looking for at the right price.It really is true about the early bird.
Bring cash! Most dealers don't take credit cards. Don't bring big bills, especially $50's. They are too easily counterfeited, the new plastic 100's are much safer.
Remain calm – Buying at flea markets requires focus, and it can be difficult to concentrate in the whirlwind of people and stuff. Take your time and look closely, sometimes the best stuff is hiding.
Be friendly – A lot of people that sell at flea markets do it for fun, and their things are often from personal collections. Take the time to chat and try to be respectful of their things, and considerate when bargaining.
A big part of the joy in buying things at flea markets is the experience in acquiring them.
A the best tip of all? Have fun!


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I just wanted to follow up and invite you to share your thoughts about working with me and my team and offer any suggestions on how I can improve this for future clients!!
Client feedback is an incredible way for me to make sure that every client leaves my courses feeling excited and, most importantly, feeling like they are a part of our team family!
If you could, please spend about 5 minutes sharing your experience working with me and my team.
I appreciate your feedback and I am so thankful you chose to work with me!


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The quantity discount is one of the most popular ways to entice customers purchase more items. But it may take hours for the admin to change the prices manually one by one. The Quantity Discount Bulk Edit add-on sets you free from this routine. It also eliminates the risk of mistakes which may happen while manual price editing.
No more wasted time anymore. Delegate the prices edit to the add-on and enjoy yourself!
What you will see
The New quantity discounts field
The Update products page
The add-on is compatible with CS-Cart and Multi-Vendor 4.3.1 and above.
Need compatibility with another CS-Cart version? Contact us now.
User Guide
Learn more about the add-on in our User Guide.


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Grenache is the most widely planted red grape variety in the world and some of the best wines in the world have some Grenache in it. Single varietal Grenache wines are however harder to find. A bright red colour invites you to this medium bodied and easy drinking style of wine.
Flavours of watermelon, red apples, violets and white spices are integrated to give this wine a fresh complexity. The palate is fresh and long lasting with smooth and grippy tannins to make it the perfect food wine for all occasions.
The wine underwent nine months of careful malolactic fermentation and maturation in second and third fill, 500L French oak barrels, to preserve the young fruity aromas of the wine and to prevent the risk of too much wood flavours.
87% Grenache
8% Shiraz
3% Mourvèdre
2% Viognier
Food Suggestions
Enjoy with cold meats, fresh bread or duck. It can also be enjoyed with seafood dishes like paella, crayfish or tuna.


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Brain, Drawing
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Keywords: anatomical, anatomy, area, artwork, brain, central nervous system, cerebral cortex, face, human, medicine, nervous system, normal, object, reading, sensory cortex
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this past month has been hectic. from moving, to traveling, apartment searching (in new york… the drama), bae searching for his dream job, crazy airbnb hosts, living out of a suitcase… I mean the list really goes on, and gets crazier. I've bounced back from all of the craziness, and I can truly say how grateful I am. no matter how many up's and down's I've had, this past month has taught me to live in the moment, oh, and don't cry at work, not when you're the happy, funny girl. It'll freak everyone out.
In the true essence of living in the moment, I've blocked all the noise around me to celebrate…
because I am obsessed with birthdays, the entire month of October will be a celebration. Here's what you have to look forward to this month:
guest blogger features from bloggers I am OBSESSED with
multiple giveaways… free ish all month!
#begoodasgold campaign
beauty makeover to one lucky reader by Master NYC haircare professionals
a HUGE thank you and appreciation to all of TGC readers and supporters. this past year I have received so much support, motivation, and inspiration, and I am truly blessed and thankful! thank you for making the gold curve one year golden!
stay tuned, upcoming details will be released on the blog and social media networks… so stay connected!
xo, tisa monét


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Are America and China Destined for War?
A big debate that is long overdue is about to begin.
In his recent book The Improbable War, professor Christopher Coker explains that it is "of vital importance that the possibility of a conflict between China and the United States continues to be discussed." Coker's rationale for this is simple: "If the United States and China continue to convince themselves that war is too 'improbable' to take seriously, it is not they but the rest of the world that may ultimately pay the price."
It would seem the good professor's wish is about to be granted. We are about to be treated to what surely will be a media blitz over what can only be described as the most comprehensive book to ever tackle the question of not only whether a US-China war is possible, but what steps Washington and Beijing can take to avoid such a calamity.
Written by one of the world's most prominent political scientists and strategic thinkers of the day, director of Harvard University's Belfer Center, Graham Allison, anyone who has been following China in recent years likely guessed such an effort was in the works. The book is hooked on Allison's popular "Thucydides Trap" concept. The trap, as Allison described in a prominent piece for the Atlantic in 2015, is "the attendant dangers when a rising power rivals a ruling power — as Athens challenged Sparta in ancient Greece, or as Germany did Britain a century ago." Allison goes on to warn that in 12 of 16 cases he has studied throughout history, when such a situation takes place, war has been the result.
US and China: A relationship in dangerous flux:
So what happens in case study number 17? Knowing the odds history has given us, is war between China and America unstoppable?
To answer such questions, we first need to understand the complexity that is the US-China relationship. In fact, there are two US-China relationships.
The first, is the economic relationship. At least until the election of Donald Trump, many scholars and Asia hands would argue that both sides prospered from their deep economic ties. US-China bilateral trade in goods and services has skyrocketed since the two nation's opened their doors to each other in 1971 and is now more than US$600 billion per year. Trade between both Washington and Beijing has made both countries wealthier with millions of jobs created on both sides of the Pacific.
The second part is the strategic relationship — something that was bound to become strained after the collapse of the Soviet Union, the real threat that brought America and China together. Without a common foe, tensions on both sides have begun to grow. Washington and Beijing now face off in various parts of the Asia-Pacific with no letup in sight.
Such an odd, dual-sided relationship, filled with equal promise and peril, made sense for decades. When times got tough — look no further than the 1995-1996 Taiwan Crisis, the 1999 Chinese Embassy bombing, the 2001 EP-3 Crisis and many other smaller incidents — the dangers of severing the economic relationship always seemed to smooth out any talk of a rupture. But with Trump and advisers such as Death by China author Peter Navarro calling into question the economic benefits of trade with Beijing, the one thing that always seemed to anchor relations in times of trouble seems to be at an end.
Why Destined for War is a must read:
To be fair, there are many great articles, long-form pieces and books that detail the dangers of a US-China military clash and how to avoid it. So why read this one?
I offer three reasons: Comprehensiveness, readability and telling hard truths most Asia experts here in Washington won't want to hear.
In the interests of full disclosure, I have published Allison's works on many occasions as Executive Editor of the National Interest, but Allison's efforts in Destined for War will surely be praised, and for good reasons.
Any Asia hand will quickly be floored by the level of detail and research the manuscript includes. With a grounding in history, Allison takes his readers on a journey through many similar cases in the past where a rising nation challenged a status-quo power, detailing where things went wrong, and, in some instances, how war was avoided. This is all done in a style that makes the book a real page turner, written in a prose that is easy to understand, never getting bogged down in often pointless jargon, tables, graphs or pie-charts. Allison's ideas flow easily, no matter how frightening they are.
But some will likely have a problem with some of what the work offers. For example, he compares Xi Jinping and Donald Trump as two men who have similar goals: to make their nations great again. At the same time, Allison boldly, and quite correctly, couches China's quest for primacy in Asia as something like what the United States did when it rose to power almost a century ago. While clearly stating that China has not acted as aggressively as America did in the past, especially back around the turn of century during the time of President Theodore Roosevelt, Allison skillfully hints at what could occur if China were to take such a step — and embark on a real path to war.


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Treat discolorations over large areas on the face and body for a bright, even skin tone with this cleansing bar formulated with azelaic and kojic acids.
Key Benefits
Who is this for?
Ideal for those wanting to enhance effects of skin lightening treatments.
Moisten the enclosed sponge and create a creamy lather. Cleanse the affected area, allowing the lather to remain on the skin approximately two minutes. Rinse with warm water and pat dry. Follow with the appropriate PCA SKIN toner, treatment serums and broad spectrum SPF product in the daytime and moisturizer in the evening. Note: store sponge outside of container.
Key Ingredients:
Full Ingredients:
Water/Aqua/Eau, Saponins, Glycerin, Vegetable Oil/Olus/Huile Vegetale, Sorbitol, Lecithin, Aloe Barbadensis Leaf Juice Powder, Kojic Acid, Azelaic Acid, Maltose, Glucosamine HCI, Tannic Acid, Hamamelis Virginiana (Witch Hazel) Water, Alcohol, Sodium Lactate, Niacinamide, Calcium Ascorbate, Aniba Rosaeodora (Rosewood) Wood Oil.
Where reviews refer to foods or cosmetic products, results may vary from person to person. Customer reviews are independent and do not represent the views of The Hut Group.
(11 Reviews)
I use pigment bar twice a day for acne dark spots and in the night I use also hydroquinone cream in the spots
Thu Jul 13 04:01:13 BST 2017 by
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This is a true skin cleanser. Not to be used to remove makeup. I use at night as a second cleanse after using a cleansing oil. I leave the lather on for a min or two then rinse. It leaves my skin looking clear and bright. Will see how it works on my post-acne hyperpigmentation. The sponge it comes with is not abrasive and works pretty well. Just make sure you sanitize it every 2 days in the microwave wet for two minutes to kill any bacteria. Replace it every 2-3 months. They give you 3 sponges which is nice.
Tue Sep 15 08:30:35 BST 2015 by
This bar is great when used with the pigment gel. I use this cleanser 3-4/week because it can be a little drying for my skin type. I've been using it for about one month and have barely even made a dent in the pot. This will last forever!
Sun Aug 30 01:52:20 BST 2015 by
Daily use seemed too harsh and caused an initial reaction. Decided to use it 1-2 days per week and so far skin does feel fresh and brighter. Will continue to wait and see what effects it has before deciding on a re-purchase. On the fence at this time.
Sat Apr 04 21:48:51 BST 2015 by
This cleanser helps calm my pigmentation after my chemical peel. Chemical peel result of my pigmentation and the pigment bar by PCA help to calm my face.
Mon Jan 05 01:41:00 GMT 2015 by
I've been using the pigment bar for a few days and the first time I use the pigment bar, I feel very clean and my face feels more cleaner, I had some pigmentation issue after having a chemical feel. My face reacted badly with chemical peel and this bar seems calming my pigmentation. I would highly recommend this product.
Mon Jan 05 01:38:11 GMT 2015 by
My Esthetician introduced this product to me four years ago after, I returned from Afghanistan with severe acne problems. I'm sold on the PCA skin Care line because it has proven itself to keep my face radiantly beautiful. I have choosen these products to be my travelling companion in Iraq and now in Kuwait. I received numerous comments about how I manage to keep my skin looking great in such extreme heat, sand, wind, and yes very cold temperatures. I quickly brag about my esthetician and the products that I use. I'm totally sold and I have no intention on changing my skin line to anything else. IMPECCABLE RESULTS AND A SATISFIED WOMAN!!!
Sat Oct 23 07:00:00 BST 2010 by
Beverly D. Neal
I've been ligtening my skin for 10 years, The best product to maintain effects achived through stronger bleaching cremes or peels (I've had several 'TCA' peels ) is PHASE 13 pigment Bar, it's like glycrine soap in a jar . I use a soft cleansing brush to work up a lather to cover my face,neck and shoulders,lleave on 5 to 10 min,rinse I
Sat Jun 05 07:00:00 BST 2010 by
Vincent Van Adrichem
I am so happy with this purchase. I've been using it for almost 3 weeks now in conjunction with Retin A and PCA vitamin C serum and my skin does look much lighter and more glowing. I have a lot of sunspots and freckles, and by no means are they gone, but their is an overall noticeable improvement. The other thing I love about this is how clean it leaves my face. Literally squeaky clean; I can rub my finger back and forth on my chin and it squeaks. I never realized just how much gunk was left behind with regular cleansers. I use this product only once a day as recommended on the jar. It has a very strong smell but it is not unpleasant. On a side note my husband used this bar for a few days and it cleared up small red bumps he had across his forehead so he is a fan as well. I am giving this product 4 stars though because I was hoping it would help prevent my regular monthly breakout, but it did not.
Wed Oct 28 06:00:00 GMT 2009 by
I use it everyday, and follow up with pHaze 13 pigment gel, then a moisturizer. This bar will last forever. I have been using it twice a day for over two months, and I've hardly made a dent in it.
Tue Feb 10 07:00:00 GMT 2009 by
I bought this pigment bar cleanser and it is really good but made my skin really dry. I cannot use it everyday on my skin, so I use it every other day with great results.
Tue Jan 13 07:00:00 GMT 2009 by
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The ComplexJapan, 2013 | Hideo Nakata
Hassouna Mansouri checks in from Amsterdam to report on Nakata Hideo's new film, who returns to his Japanese roots with horror film The Complex.
With The Complex, Nakata Hideo confirms his mastery of the horror genre. Since his debut in 1998 with Ringu, the Japanese director showed that he definitely made his choice for this genre as a path. After a detour through the western world, where several of his films were remade in English, Nakata now returns to his Japanese roots. The story takes place somewhere in a Japanese neighbourhood where a young woman needs to be exorcised. As usual, Nakata builds his fantastical atmosphere on the idea of a fluctuating border between two worlds. It is through the organization of this va-et-vient between here and there in terms of time and space that he manipulates the spectator and his emotions.
We all know that feeling of déjà-vu, those moments when you have the feeling that what you are seeing and hearing has happened already at another time in your life. You can't say when or where precisely, but you're sure it has happened before. Some people see it as a remnant from another life. Others seek biological neuro-scientific explanations in the workings of our memory, our neurones. The Japanese filmmaker uses these ideas and mechanisms as an invisible thread, a throughline for his screenplay. The multiplication of these moments of confusion between time and space leads to a progressive transition from this world to the world of death.
The moment when the borderline between the two worlds becomes obvious is the key moment in a fantastical story. In most films the events begin in our world in order to shape the other at a certain moment. The Complex begins the other way round.
At the beginning of the film Asuka is already hijacked in the world of death. The first scenes show her with her parents and her brother. In a very subtle way, Nakata puts some signs that you hardly notice (but that are supposed to be seen) to show that something is wrong with what we see. The young girl starts to notice that her parents pronounce the same words every time they have breakfast. The same scene is repeated many times, with small variations in every repetition.
Asuka has the feeling that her parents say the same things at different moments, but in fact her consciousness is reproducing a single moment from her life to which she is particularly attached. The first anomaly of getting out of 'normal' life is when you understand that time is no longer linear but circular.
At that point, the fight between two logics starts. The first one takes you to the future; the other one brings you back to the past. In fact, past and future aren't that different anymore. A force pulls you to that undistinguished moment when you are very close to entering the other world. Does it matter whether this moment belongs to the past or to the future? It is definitely out of time.
For Asuka, this moment came thirteen years ago (time of life), when she was the only survivor of a strange accident that claimed forty victims. The story of the film is structured by different moments of articulation between the two timelines. Every moment Asuka has a vision of the past is a call to join the other world. Every vision is an opening in the wall separating the two worlds. The more frequent these visions become, the more this wall becomes transparent, the more eminent the shift to the world of death gets, and the more emotional the sphere of the film becomes.
Horror is a feeling that the director develops according to a certain dosage of interaction between this world and the other world. The appearance of Asuka's family is more like nostalgic remembrance. Mr. Shinosaky shows the path and disappears. The presence of the kid Minoru grows in an imperceptible manner until becoming very threatening to the life of the young woman. These different characters lead Asuka to her end, but she is nice to all of them. Surprisingly, the film is not built on the dichotomy between good and evil, but on the opposition between life and death, presented as a cold and merciless relationship with no margin for any feelings.
Perhaps Nakata has a pessimist vision of our life. From our point of view, Asuka survived the accident in which all her family members died. But from another perspective, this moment is not over. While the young woman lived on physically, psychologically she stayed precisely at that moment, hanging between this world and the one where her family has gone.
It's not only a question of time, it's also about space. Asuka is enclosed from everywhere. Wherever she goes, she comes face to face with incarnations of death. The fact that she is drawn to Mr. Shinosaky, her old neighbour, and Minoru, her mysterious young friend whom she alone sees, is a translation of this link to the 'somewhere else' where she belongs psychologically. She feels irresistibly attracted to the old man because he is about to die. She naturally follows the little boy because of the strange circumstances of his death. Even the young man Sasahara, whom she knows because he works in the cleaning company that took care of the apartment of Mr. Shinozaki, feels easily acquainted to her because he, too, has a connection to death: his girlfriend is in a deep coma after an accident. As she is physically hanging between life and death, he does too, because of the strong relationship he has with her.
Nakata Hideo gives a psychological interpretation of the uncanny. He translates it cinematographically in a very special way to deal with time and space. He uses the codes of the horror genre in order to visualize the projection of one onto the other. The cadence he gives to these shifting moments during the story is the main trick up his sleeve to enhance all kind of feelings — fear, sympathy, horror, and suffocation. The shift in time according to visions from the past are projections in the future, the same as these doors and walls which are not as opaque as the border seems to be between the two worlds. Death, even though it i hard to admit, is nothing more than a moment where time such as we know it doesn't exist, or a location that is penetrable from that side and the other — unlike our beliefs.
Hassouna Mansouri is a film critic and writer based in Amsterdam. He's a columnist for Eutopia Institute, correspondent for Nation Media Group and the author of several books on cinema: De l'identité (Tunisia, 2000) and L'image confisquée (The Netherlands, 2010). He recently published his third book, They Will Not Represent Themselves... (Belgium, 2012).


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Aris Antoniades (b. 1991)
The Ritual is a fantasia based on Greek folk rhythms and idioms. The piece tries to musically depict the experience of a traveler who witnesses a pagan ritual. The strange ceremony takes place around a bonfire at a cold and distant mountain settlement. Masked people burst into a frenzy of dance and ecstatic priests pray to their gods. As the ritual progresses, the traveler's mind becomes misty. Soon he transcends reality and enters a strange world—a world of dreams, a world of fantasy. There he discovers hidden spiritual treasures that will change his life forever. Finally, his spirit gets pulled back into his body while the natives continue their dance and end the ritual. The piece combines heterophonic dance elements (representing the secular part of the ritual) with strict contrapuntal writing, including a double canon (representing transcendence and the spiritual world).
Alberto Ginastera / Fernán Silva Valdés
Carlos Guastavino / León Benarós
Gustavo Leguizamón
These songs were created by three important composers from Argentina: Ginastera, who also wrote operas and ballets; Guastavino, known as the "Argentinean Schumann"; and Gustavo Leguizamón, one of the most important composers of popular music.
Ciarán Farrell
The Shannon Suite is one of the first pieces written by Irish composer Ciarán Farrell and was originally recorded by John Feeley. The Shannon is Ireland's longest river and has three lakes: Lough Allen, Lough Ree, and Lough Derg. The Lough Allen movement has distinct Irish features such as the rhythmic strumming and modal melodies. The flowing harmonics that feature prominently throughout the work represent the moving water.
Rebecca E. Smith
(Text adapted from Dante's Inferno)
Feast is a suite for Pierrot ensemble inspired by the sculpture Ugolino and His sons by French artist Jean-Baptiste Carpeaux, currently at the Metropolitan Museum of Art in New York City. Pisan count Ugolino della Gherardesca, condemned to die of starvation, yields to the temptation to devour his children and grandchildren who cry out to him. This suite adapts the text from Dante Alighieri's Inferno, Canto 33, of The Divine Comedy, setting it in a way that plays with the idea of empathy in the face of horror.
- Adapted by R. E. Smith and Gianmarco E. Saretto from Dante's
Inferno, Canto 33
Huiran Wang (b. 1936)(arr. Yuda Deng)
Dance of the Yi People is one of the most popular solo compositions for the pipa, a four-stringed pear-shaped fretted lute that is one of the primary traditional musical instruments of China. Dance of the Yi People was composed in the 1960s by Chinese composer Huiran Wang. Tonight's performance of the piece is of an arrangement by Yuda Deng. The composition is presumably based on the traditional music of the Yi people in southern China.
Manuel De Falla (1876-1946)
(arr. Ana García, 2014)
El paño moruno
Sequidilla Murciana
Manuel de Falla, born in 1876 in Cádiz, was one of Spain's leading musicians of the early twentieth century, along with Joaquín Turina, Joaquin Rodrigo, and Enrique Granados. Falla studied piano with José Trago at the Madrid Conservatory, winning first prize in piano in 1899, and composition with Felipe Pedrell, briefly trying his hand at zarzuela, guided by composer Amadeo Vives. From 1907 to 1914 he studied and worked in Paris, where he met and was influenced by the Impressionist French composers Claude Debussy and Maurice Ravel.
Among his compositions are Noches en los jardines de España (Nights in the Gardens of Spain) for piano and orchestra; his opera La vida breve; the ballets El amor brujo and The Three-Cornered Hat; Concerto for harpsichord and 7 instruments; and music for guitar. He left unfinished his oratorio Atlantis, which was completed by his disciple Ernesto Halffter.
In 1939, after Franco's victory in the Spanish Civil War, Falla left Spain for Argentina in protest against the dictatorial regime. He refused to return and died on November 14, 1946 in Alta Gracia, Argentina.
Siete Canciones Populares Españolas (Seven Spanish Folksongs)
Falla originally wrote these songs for voice and piano in 1914, during the last months of his stay in Paris. In 1915, the soprano Luisa Vela gave the first performance of them in Madrid, with Falla as pianist. Though the premiere was a failure, the songs soon acquired enormous popularity.
Falla commented in an article on his use of elements of popular song:
I have tried to extract from them the rhythm, modality, their characteristic lines and decorative motifs, their modulating cadences....I modestly think that in popular song, the spirit matters more than the letter.... I will even say more: the rhythmic and harmonic accompaniment of a popular song is as important as the song itself. Therefore, the inspiration must be taken directly from the people.
The seven songs are genuine art songs, exquisitely modulated, with deep roots in popular culture. With melodic lines drawn
from folklore, and modified to a greater or lesser extent, the songs' apparent simplicity hides thorough and skillful harmonic
and rhythmic textures. Inspired by the different regions of Spain, the songs are a balanced set, each one a piece in the
mosaic. Dedicated to Ida Godovska, they were not published until 1922 but spread rapidly due to their enormous success.
Siete canciones populares Españolas
is widely performed not only in its original version for voice and piano but also in other arrangements. It is available
in versions for orchestra, violin and piano, violin and orchestra, cello and piano, and solo piano. The formats of solo voice
or instrument with guitar accompaniment are widely performed as well. With its beautiful Spanish melodies, dynamic rhythms,
and rich harmonies, this music is beloved not only by singers but by instrumentalists as well.
The version to be performed at this concert is a brand new transcription for voice, saxophone, piano, and flamenco dancer
arranged by Ana García Caraballos in late 2014. This work will be published later this year.


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Stanford started a project that measured the important elements that led to higher credibility on a website… and higher credibility leads to higher performance (more leads and deals) on your website.
They found that the following elements are what help enhance the credibility of a website. On the flipside… websites without these elements are seen as less credible to the website visitor. If you've had a website prior to Carrot, and if it didn't perform well, it's likely in part… because it wasn't coming across as credible to the website visitor.
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``It was a train for kings, scoundrels, courtesans and spies,`` said Barbara Ann Shapiro, sales director of Venice Simplon-Orient-Express. True. The very name Orient-Express conveyed glamour, mystery and intrigue. From 1882 on, the legendary train carried and cossetted the rich, the famous and the infamous -- Mata Hari, King Leopold of Belgium, the Duke and Duchess of Windsor. (Those were the days, my friend!) But in time came the train`s sad end.
But not quite. In 1977, Kentuckian James Sherwood, owner of American Sea Containers, bought four old Orient-Express cars at a Sotheby`s auction in Monte Carlo. Impressed with their elegance, he began a search for more. And when Sherwood, with all his millions, searched, he found.
Since 1982 the Orient-Express rides once more, from London to Venice. Its elegance is restored. The baby grand is back in the lounge car. There one can sip champagne with one`s fellow passengers (spies or shipowners or former royals?) and sing the merry night away. (These are the days, my friend! Don`t you just adore happy endings?)
So Joanie and Murray Goodman, chairmen of the gala for the Eye Research Institute of Retina Foundation at The Breakers, Feb. 6, and their co- chairwomen Linda Flower and Judy Grubman, decided to name the gala after the train. And it all snowballed as such things will, into a mini Orient- Express trip for 410. In one corner of the ballroom was London`s Victoria station, departure point for the Express. In another, the Eiffel Tower. In a third, a Swiss chalet and in the forth, Venice`s Rialto Bridge. They gave away a $9,000 Orient-Express trip package. Even the menu was strictly Orient- Express selections -- Scotch salmon, caviar, ravioli a la pesto, veal piccata and champagne. (Of course, champagne. This is the Orient-Express, not a bullet train.)


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CONOR MCGREGOR 'fusses like a young lady' when he is punched in the body, as per previous competing accomplice Paulie Malignaggi.
The match is proceeding with their war of words via web-based networking media after Malignaggi raged out of McGregor's preparation camp in the wake of asserting he was "set up".
It came after a photograph was doing the rounds demonstrating the American on the floor in the wake of being 'thumped down' byMayweather against McGregor.
Malignaggi demands it was the consequence of a push and was fuming at how he was "utilized" by the McGregor camp.
What's more, now the resigned Brooklyn boxer has again taken to online networking to scrutinize the Irishman's boxing solidness.
He composed on Twitter: "He yowls like a young lady when he gets more to body lol".
At the point when asked does he lament assisting McGregor, Malignaggi answered: "Completely".
He included: "When I glance back at the experience in general, not simply competing but rather all in all, yes there was certainly a motivation without question."
"I didn't get paid, I'm not stressed over it, however. I paid him with the ass beating he got from me on Tuesday".
McGregor opened up on the disputable competing session with Malignaggi and demanded the previous boxer "got his can whooped".
Talking on Showtime's All Access, McGregor was inflexible there was just a single attacker when the two fought.
The Notorious stated: "He remained in there — you must give him regard for that.
"In any case, that was it — he came, he got his (expletive) whooped and that was it."
McGregor went ahead to clarify why he brought previous welterweight world champ Malignaggi in for the instructional courses.
He included: "I was simply watching this person talk, similar to 'who the (expletive) would he say he is?'.
"I took a gander at his position, took a gander at his approach. There are a few likenesses to Floyd.
"I don't generally give a (expletive) if there were likenesses or not.
"He was talking one serious diversion. I stated, 'get this kid here and we should battle!'"
Malignaggi at first was extremely complimentary of the Irish MMA star turned boxer, saying that the UFC lightweight champion had great power.
However, after one an excessive number of photographs of the fighting sessions were released on the web, Malignaggi feels nothing more will be tolerated and he has requested that McGregor discharges the competing session video.
Composing on Twitter, the resigned Brooklyn boxer stated: "It's not pleasant to paint a photo that isn't valid.
"This was a push down in competing, post the entire video rounds 1 through 12 unedited".
"I came to assist this stay outdoors, not with being abused, now you're going to get reality, however.


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Remembering George Michael a Year after His Christmas Departure
By Scott Allen Perry
George Michael, a groundbreaking artist ahead of his time who left us too soon. In 1982 George Michael and Andrew Ridgeley formed the band Wham! and released a series of number-one singles accompanied by high-energy, tongue-in-cheek music videos that made them one of the most successful musical acts in the world. As a solo artist, Michael released some of the most personal and successful albums of all time. His legacy is his drive for perfection, his personal charity, and his desire to use his incredible talents to make the world a better place for all. Wham! Bam! Here I Am George Michael's love for music began in childhood. He was given a record player and three 45 singles: "Delilah" by Tom Jones and two others by The Supremes. One of the 45s had a chunk missing, and as the record would spin around the turntable, Michael would lift the needle …read more


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Send a smile and a hug to new parents with this adorable arrangement and snuggly bear that everyone will want to hold. This arrangement contains: Chrysanthemums, larkspur and sunflowers with a plush bear arrive in a darling wicker basket. Products may be substituted due to necessity or seasonal availability. Approx. 12" W x 22" H
- Item #: TF47-5 V
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Antlered Doe in Full Velvet Shot in Indiana
Anytime an antlered doe is harvested it makes the news, but this one is in full velvet!
An antlered doe in full velvet is blowing up the Internet all over Indiana and most of the Midwest.
According to this post by the Indiana Division of Fish and Wildlife (IDFW), who published this photo and information, 1 in 20,000 does will actually have antlers.
Gayle Johnson brought down this doe in Parke County, Indiana on November 14, 2015, the first day of gun season in the state.
He was probably surprised that the buck he thought he was about to shoot was still in velvet, but according to the IDFW, this is actually very common for an antlered doe.
When Johnson checked his deer in, he was denied checking it in as a doe and had to claim it as a buck, since it did have antlers.
Many are calling it a once in a lifetime deer, which is probably pretty accurate.
There was even the case of the 30-point antlered doe, a true anomaly of nature. A biologist was quoted as saying out of the 400,000 deer killed annually, only about one or two are reported.


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Zeeb, Jim
I remember skate boarding down the hill from campus to the Phi Delt house. I would start up at Brooks Hall. There was a cross street and stoplight at the bottom of the hill. I figured out how to time it so that I would hit the light at the bottom of the hill when it was green. Sometimes I would pass a car on the way down. Good thing they never changed the timing on that light. I've always loved speed. Skiing fast; Riding road bikes fast; Driving fast cars; almost anything fast. If I were independently wealthy when I graduated, I would have been a Grand Prix racecar driver. Well I wasn't so I didn't.
I married my college sweetheart, Marcia Witty, the September after we graduated. I was on a ROTC scholarship, so I was scheduled to report to active duty that next February. Marcia was two years behind me so we decided we would return to Meadville so she could enroll in the fall session. We rented one half of a condemned house and I worked on the railroad. One day there were a group of sorority girls that Marcia recognized that must have been out on a can drive. They took one look at the house and shook their heads and passed right by. We couldn't wait until I reported to active duty and got the big bucks.
Where I've lived
We started out at Chanute AFB, IL where I was in training. Then we were stationed at Beale AFB, CA just north of Sacramento where we spent the rest of my Air Force commitment. We spent seven years making corporate moves to Summit NJ, Dallas TX, Hartford CT, Novato CA & back to Dallas. When our oldest was approaching high school age, we moved to Evergreen CO and have been there ever since.
My jobs
I was in USAF flight training while at Allegheny. I planned to fly in the AF for 4 years and then be an airline pilot. Unfortunately, I failed my last physical the summer after we graduated and my career path changed to Aircraft Maintenance Officer. While in training they gave an aptitude test for something called computer programming. The rest is history. I learned programming on the SR-71 spy plane.
Then I got a job with EDS (Ross Perot's company). They really taught me how to program. I stayed with EDS for 7 years and left when they told me I needed to go into management to get any more significant raises in salary.
I went in with six other former EDSers and started an operating systems software consulting company. I did that for about five years and that was when we decided to move to Colorado. I became an independent software consultant at that point, which was 30 years ago. I've worked all over the country, usually on large multi-year projects. I would fly there for the week and be back for the weekend. For the last 13 years, I've been working on a project for Medicare to centralize their accounting.
I've been winding down my consulting business for the last 5 years and I'm down to my last client(Medicare) and I work about 10 hrs/mo which doesn't interfere with my leisure activities.
I love programming. I wrote some software to help Marcia operate the Preschool she owned. Since I retired, I've developed a golf handicapping program for our mens group. I've built several websites; One my sister and I collaborated on for our family genealogy https://www.zeeb.com/ I just finished one for our pickleball club in San Luis Obispo http://slopickleball.org/ and of course Allegheny67.com
Our children / grandchildren
Marcia & I have two sons, Eric & Ben. Eric is an anesthesiologist and lives with his wife Helen and two children; Elli(12) and Oliver(8). They live on the Central Coast in San Luis Obispo CA. Ben and a partner own a 30 person software company that specializes in providing marketing for Ski Resorts. He and his wife Julie also have two children; Ethan(13) and Malia(11). They live in Eagle CO, just west of Vail.
I've basically been retired for the last 5 years. At first golf was my passion. I would play 5-6 times per week and got my handicap down from 26 to 12. I enjoyed playing for a little cash here and there. Then I heard about Go Kart racing. I always wanted to race, but never had the money or time. These are serious go karts that go up to 100 mph which some of the Formula One drivers use for practice (remember the speed / race car driver thing from the Allegheny Memories). Anyway, I went to a couple of go kart driving schools to hone my skills. I had autocrossed and done single car time trials in my Spitfire and later Porsches so I wasn't a newbie to racing. Finally I bought a kart and trailer and was ready to compete on the local Masters circuit. Unfortunately, I discovered that when I would pull a lot of G Forces during long sweeping turns, I vomited (not a pretty sight when you have a full face helmet on). All my previous training was in less powerful karts than the ones the Masters raced here on CO. It turns out this was related to the same reason I failed my final flight physical.
Current activities / hobbies
A couple of years ago I was diagnosed with Bladder Cancer. I was due to have my bladder removed two months later. When they opened me up, they discovered that the cancer was outside of the bladder and had attached the bladder to the abdominal wall. They sewed me up, put me on palliative chemo and said I had about a year to live. That was in Jan 2014. Well, since I'm not on the Deceased list, that didn't happen. I came close to having a colostomy, but the year of chemo and radiation finally seemed to put the cancer down. I've had clear scans for two years now so things are looking good. I have some foot nerve damage from the chemo and I have tubes from my kidneys that go into bags on my legs. I can play golf all day and don't have to stop at the restroom even once. I do have to get my tubes changed out every 6 weeks, but not a big deal. Don't you just hate it when all old people can seem to talk about is their health!
Last year, the nerve damage in my feet was starting to affect my desire to walk or play golf. My son Eric recommended I try the HOKA brand super cushioned running shoes favored by ultra runners. I did and what a change that made. I now look forward to golf, although my handicap has risen to 18. I was looking for something more aerobic to do and Marcia suggested I try a new sport that she had tried called Pickleball. If you're not familiar with pickleball, it is a game like tennis that is played on a much smaller court, with paddles like ping pong, uses a hard whiffle ball and has funny rules for scoring. Well, I love the game. My limitations don't seem to affect my play. Since I don't do anything halfway, I'm playing 2-3 hrs/day seven days per week and taking clinics. I also play golf, but only 3 times/wk now. My partner and I won a gold medal in the USAPA Great Plains Regional Tournament, Mens Doubles, Skill 3.0, Age 70-74. I'm looking forward to moving up to the 3.5 level and beyond.
With all this golf and pickleball, we were looking for somewhere warm to go in the winters. We now spend Jan-May in Eric's guest house in San Luis Obispo CA and Jun-Dec at our log house in the mountains in Evergreen CO. It would be hard to find two better, more beautiful places to spend our time.
A few months ago, I took one of those online courses on Brain Fitness. What the professor suggested was to take up some new activity/hobby that is completely out of your comfort zone. This will force the brain to make new pathways rather than using the ones that are already there. So I thought about this and finally decided to take up cooking. Marcia has cooked all the meals for the last 49 years. She often says that her next husband will have cooking and gardening as hobbies, not pickleball & golf.
So if I'm going to take up cooking, I need to do a little online research. You see, one of things I hate is grocery shopping. My research led me to some services that will send you all the ingredients for a weeks worth of meals. I've tried two of them Hello Fresh and Blue Apron and they are great. I've found that I don't multi-task well, things get burned. I'm a hunter, not a gatherer. So what I do is completely do all the prep before I start cooking anything. I hope I'm building lots of new brain pathways. I cook three meals a week now. I have credits to give away a few free boxes of meals by Hello Fresh. Just leave a Comment on this blog if you want to try one and I will get back to you.
Addendum: We've sold our house of 30 years and have to be out by June 15th. We are moving to Vail, CO to be near to our other grandchildren in the summers. Getting rid of all that stuff you paid hard earned money for is not fun. We will miss the tranquility of our home in Evergreen, but Vail is a fun place to live, just different.
My contact Info
Address: 333 Red Lily Pl Evergreen, CO 80439
Phone: 303-949-9849
2 Comments on "Zeeb, Jim"
Jim, I thought I'd read your story before writing mine. I have to say it was somewhat intimidating. What an interesting life you have had and continue to have. Thank you for sharing your challenges as well as your triumphs. I'm looking forward to seeing you in June. And good luck with cooking! It's somthing I have been doing and loving since I was a child. I've never lost interest in food — preparing it and sharing it with others.
Jim, I haven't seen the info/pic I sent you re the reunion on the reunion website, and I've lost your contact info having gotten a new Mac..Did you get the "story" info and have you posted it? I plan to be in Meadville in afternoon of June 1, and plan to play Pickleball with you during the weekendnd…Going to Iceland via Ireland and Great Britain for a couple of wks leaving May 5th..Jim Ackerly


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Avoid Ambiguous Pronouns
The best way to avoid this kind of confusion (what kind of confusion? The confusion that results from ambiguous pronouns), is to read your copy carefully checking that you can easily identify the noun that belongs to the pronoun. If more than one noun emerges as a possibility, replace the pronoun with its intended noun.
What's rolling toward second base?
- The ball
- The wall
- Winfield's head


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I love the variety of gifts and the helpful and friendly staff! I prefer to shop at Agape before I go anywhere else.
Agape is a wonderful gift and interior shop ran by Ms. Shannon who is always smiling. It's the best place to look for gifts for children, spouses, and friends with incredible items and prices. I'll go their first anytime I have a gift to buy, no questions asked.
Agape Interior And Gifts Llc is located at 1527 Ambssdor Cffery Pkwy in Lafayette and has been in the business of Gift, Novelty, And Souvenir Shop since 2005.
Agape Interior & Gifts can be found at Cameron St 5545. The following is offered: Gifts. The entry is present with us since Sep 9, 2010 and was last updated on Nov 14, 2013. In Scott there are 3 other Gifts. An overview can be found here.


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One of the striking features of Obama's press conference on Tuesday was the lack of interest on the part of the press in foreign policy and national security. It's not that there was no news on which to seek Obama's comment. Word has arrived via the Washington Post, for example, that Obama has abandoned the Global War on Terror.
It's not that we've raised a white flag, it's just that Obama finds the nomenclature unhelpful. He prefers overseas contingency operation, or Overseas Contingency Operation. I'm feeling better already.
Under whatever rubric, our armed forces are engaged in the Overseas Contingency Operation formerly known as war on two fronts. And yet, as Andrew Malcolm notes, not a single question on either war, including the one the commander-in-chief recently ordered 17,000 more Americans to march into.
And Iran continues its march to nuclear Armageddon. Not a single question on that subject either. Obama neverthless raised it on his own, touting his "philosophy of persistence." I'm betting the persistence of the mad mullahs in achieving their objective is at least the equal of Obama's persistence in seeking to dissuade them from doing so by sweet-talking them. Here is what Obama had to say on this subject:
You know, leaders from the two sides of Northern Ireland that, you know, a couple of decades ago — or even a decade ago — people would have said could never achieve peace, and here they were, jointly appearing, and talking about their commitment, even in the face of violent provocation.
And what that tells me is that, if you stick to it, if you are persistent, then — then these problems can be dealt with.
That whole philosophy of persistence, by the way, is one that I'm going to be emphasizing again and again in the months and years to come as long as I'm in this office. I'm a big believer in persistence.
I think that, when it comes to domestic affairs, if we keep on working at it, if we acknowledge that we make mistakes sometimes, and that we don't always have the right answer, and we're inheriting very knotty problems, that we can pass health care, we can find better solutions to our energy challenges, we can teach our children more effectively, we can deal with a very real budget crisis that is not fully dealt with in my — in my budget at this point, but makes progress….
When it comes to Iran, you know, we did a video, sending a message to the Iranian people and the leadership of the Islamic Republic of Iran. And some people said, "Well, they did not immediately say that we're eliminating nuclear weapons and stop funding terrorism." Well, we didn't expect that. We expect that we're going to make steady progress on this front.
Obama's "philosophy of persistence" is not exactly the kind of philosphy that stirs the blood or rouses men to action. It's not "give me liberty or give me death," or "we hold these truths to be self-evident." It's more nearly the opposite. What is it they say about repeating the same thing over and over and expecting a different result?
From the mullahs' perspective, Obama's philosophy of pesistence perfectly complements the mullahs' own. It gives them all they need to succeed in meeting their objective. All they need is a little more time. Obama's declaration of his philosphy is deeply meaningful to them. It tells them that he will leave them undisturbed while they go about their business.
Obama will keep on keeping on. He will speak nicely to them some more. He will kindly send them another video on an appropriate occasion. He will continue shouting out to "the Islamic Republic of Iran."
He won't be so gauche as to much mention their efforts to kill American armed forces in Iraq. He won't even say anything that gives them second thoughts about their own persistence, let alond go so far as to undertake action that will prevent them from achieving their objective. Bill Kristol makes the observation in the form of a question:
The American (and European) position — and the position of candidate Obama — has been that this Iranian regime acquiring nuclear weapons is "unacceptable." If that's so, then there's a deadline, so to speak, to all the incremental efforts. And since, by all accounts, that deadline is fast approaching, there would have to be a certain speed to the hoped-for "steady progress." President Obama seems to evince no sense of urgency about Iran's nuclear program. Did his relaxed statement about Iran tonight suggest he has quietly decided to accept the previously unacceptable?
I don't think Kristol's question is rhetorical, but Obama's "philosophy of persistence" strongly suggests that the answer is affirmative.


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A QUICK update for Heavy Metal Wanaka on YOUTUBE
I just had a Skype interview with the frontman of VADER, Piotr "Peter" Wiwczarek.
This interview will feature in an upcoming Heavy Metal Wanaka PODCAST, so STAY TUNED!
The LEGENDARY Polish Death Metal band is releasing their 11th studio Album, "The Empire" on 4th November 2016.
At the exact same time as this interview, metal fans in Auckland were rocking out to Lamb of God & Slipknot, social media is so good at keeping the world informed..


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Genuine Subaru Car Parts - Ken Fowler Subaru
Ken Fowler Subaru offers an extensive inventory of Subaru auto parts in Ukiah, CA. Our experienced staff can help you locate hard to find Subaru car parts and accessories.
Visit our parts department, located at 1265 Airport Park Blvd, or fill out our convenient online parts order form. Check our site often for current specials on auto parts and accessories! Want to personalize your vehicle? Increase it's performance? Improve fuel-economy? Our parts department is the place to go! Our professionals have on hand, or will work to find, your needed Subaru part for a more exciting future throughout Ukiah, Kelseyville, Cloverdale and Lakeport, CA
While you are here, please take a look around the rest of our Ukiah Subaru virtual dealership. Be sure to browse our online inventory of new and used Subaru cars and keep abreast of the latest models and improvements.


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Rescuers say they found four orphaned bear cubs shivering underneath the deck of a Nevada house over the weekend, with no parents and nowhere to go.
Now they have a home, and on Wednesday, the animal sanctuary that took them in released photos of the cubs settling into their new digs. The bears were born sometime in January, Fox 11 reports.
"You have four orphaned cubs at the same time from the same mother. That is indeed rare," Nevada Department of Wildlife spokesman Chris Healy told KTVN.
The owner of the house in Stateline, on Lake Tahoe, said she first spotted the cubs with their mother under the deck in March. But last weekend, wildlife officials discovered the mother had died. They say they're not sure how it happened.
Those officials made the call to transport the bears to the Animal Ark sanctuary north of Reno, which agreed to take them in.
"These cubs probably would have turned into the 'juvenile delinquent' cubs that are taught by birth mothers to become garbage bears," Healy told KOLO. "With this we're probably going to be able to put them into a place where, hopefully they become wild bears."
The new photos show the young bears looking around, with tags on their ears.
Each of the cubs weighs about 7 pounds now. In order to prepare them to live in the wild, sanctuary workers say they'll give the animals a diet of mostly natural foods.
But it won't come cheap. As the cubs grow, feeding each one could cost up to $100 per week, KOLO reports. The sanctuary is asking for donations.


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Why You Should Get A NAS Device For Your Home Or Office
An example of a NAS in action could be a home entertainment system. You could have this connected to your router and members of the family could upload their movies and music so that everyone in the house can access it. And it would not just be available from desktop and laptop computers it could also be available to iPads and other tablets and TV's.
You could have this set up for an office as well. This would have the benefit of shared file access and a central repository for the files. This would mean the mary could edit a file for Tom to use in his sales presentation without having to email it to each other and potentially having several versions floating around. Having one store for all the company files means that there is only one place that needs to be backed up. If alternatively everyone kept files on their computers there would be many places to set up a backup making it far more complex.


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01 07 2018 | by Victor Xing | Capital Markets
All articles 192
12 04 2017 | by Victor Xing | Central Banks
Bond market term premium and wolves of Yellowstone
10 17 2017 | by Victor Xing | Capital Markets
How we learned to stop worrying and love the "fake markets"
09 20 2017 | by Victor Xing | Central Banks
QE's distributional effects a rising political liability
04 18 2017 | by Victor Xing | Capital Markets
Persistent low volatility threatens active fund managers
02 17 2017 | by Victor Xing | Economics
Looming risks through the prism of bifurcated housing market
01 11 2017 | by Victor Xing | Economics
Financial risk contagion: China's capital outflow
12 22 2016 | by Victor Xing | Economics
November PCE: dollar strength weighed on goods inflation
12 14 2016 | by Victor Xing | Central Banks
A less-hawkish interpretation of the December FOMC
12 02 2016 | by Victor Xing | Economics
November Payrolls and Governor Powell on risk management
12 17 2015 | by Victor Xing | Economics
Is Larry Summers right that the rate hike is premature?
Larry Summers' views:
- Much of the economic weakness we've seen now are cyclical in nature
- Low inflation reflects the following economic conditions
- Soft patch in the U.S. economic conditions
- Global growth weakness with uncertainties in China, Japan and Europe
- Energy price decline weigh on headline inflation, and "pass-through" effects impact core inflation
- Dollar strength pushes down foreign import prices to weigh on core goods inflation
- There are little signs of financial instability, or the cost of ultra-accommodative monetary policy
- It is easier to hike rates to fight faster than expected rise in inflation than to offset surprise economic weakness with rates near zero lower bound
- Financial conditions have already tightened, and Federal Reserve's work had been done by financial markets
Some of the views which I share:
Financial stability
Financial conditions
- Dollar valuation
- Bond yields
- Stock valuation
- Credit spreads
- Energy prices
- Ultra accommodative policies will not further boost a labor market that is showing signs of structural mismatch
- Inflation is more nuanced and weighed down by transient factors. Waiting until inflation is close to or at mandate level would be too late, given monetary policy's long and variable lag in affecting the real economy
- Financial distortion and stability risk from years of ultra accommodative policy is notable, if not already significant
- Financial condition indices are skewed by dollar strength, masking relatively high equity valuation and low medium and long-term yields
Next article12 16 2015 | by Victor Xing | Central Banks


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Night shift in Schonach | FIS Nordic Combined
Having a competition in difficult weather like this year's Schwarzwaldpokal means a lot of work. This edition of "Behind the Scenes" shows you what's going on during the night at the "Langenwaldschanze".
Nordic Combined is a winter sport in which athletes compete in both cross-country skiing and ski jumping. The first major competition in Nordic combined was held in 1892 in Oslo at the first Holmenkollen Ski Festival, an event still held annually. The sport was included at the 1924 Winter Olympics, and has been on the programme ever since.
For further information about the event as well as the FIS Nordic Combined World Cup visit:
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As the governing body of international skiing and snowboarding, FIS manages the Olympic disciplines of Alpine Skiing, Cross-Country Skiing, Ski Jumping, Nordic Combined, Freestyle Skiing and Snowboarding, including setting the international competition rules. Through its 116 member nations, more than 6'500 FIS ski and snowboard competitions are staged annually.


text: MSExchange.org - RealTime Article Update Hi ExchangeList, Title: Designing Outlook Forms (Part 1) Author: Amit Zinman Summary: This article will show how to utilize the power of Outlook Forms combined with Exchange Public Folders by using a sample help desk example. Link: http://www.MSExchange.org/articles/Designing-Outlook-Forms-Part1.html Visit the Subscription Management (http://newsletter.isoftmarketing.com/) section to unsubscribe. MSExchange.org is in no way affiliated with Microsoft Corp. For sponsorship information, contact us at advertising@xxxxxxxxxxxxxx Copyright © MSExchange.org 2005. All rights reserved.


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- Thu, 5:54: Eight months in and in spite of my ongoing issues with mortality, being on this side of forty is the best. I love being alive and content.
- Thu, 8:15: "They ruined people's day to shoot a scene of people's day being ruined." - @DougBenson on closing freeway to shoot the opening of #LaLaLand
- Thu, 8:51: The conference rooms and phone rooms at work all have motion sensor lights but I like to think I just brighten every room I'm in.
- Thu, 10:48: Ironically, Paul Ryan is himself a giant fuck stick. https://t.co/ctmWjoncsp
- Thu, 12:50: Damn Millennials! Now they're taking over quinquagenarians! https://t.co/RbKojTalTh
- Thu, 13:57: RT @TheOnion: Mitch McConnell Inflates Throat Pouch In Show Of Dominance Over Fellow Congressional Males https://t.co/8mhaSNrNat https://t.…
- Thu, 16:33: Interbay? According to the City Clerk's Office we're technically in Belltown, I checked when we moved! https://t.co/tjSCXI64sW
- Thu, 22:11: Fair points, all. https://t.co/XmLqB97tIg
Tags: twitter


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If you have a question or a request, or need to contact Taikan, please select a general topic from the CONTACT FORM menu below. This will automatically provide you with an easy-answer form and save time by ensuring it gets to the right department.
Tel: +86 755-29880810
Fax:+86 755-27255933
Address:No.508, Donghuan road, Shajing street, Baoan district, Shenzhen, China


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'Here goes the bag of doritos into the bowl. Oh wait, they're ranch flavor, snap, and there we go, nacho cheese flavor. Let's just have one for a snack, OW! Sorry me, I couldn't help myself. Well mind your manners, now put the chip back. Okay.'
"Are we really doing this father?" Blank Diamond said without emotion. "I don't even know who you're doing this wake for."
'He was a VERY VERY fun friend of mine. He started out as a 2-D nothing, but rose to the ranks of becoming a true being of power in the dream realm! He even once managed to swindle Morning Star out of the last pizza slice at our teenage prep rally as his date! We spent trillions of years betting on who could out-do each other on the most fun stuff! We were true kindred spirits... of course if we were ever in the same universe we'd have to destroy each other as rival supreme lords of the universe, but that's just business.'
"And you both agreed on that?"
'Of course! What's the point in having a kindred spirit and not being up-front with them that you intend to destroy them if they ever become your rival?'
'Besides, we were both lovers of the fine art of chaos, us lying to one another and me not giving him a wake would be PREDICTABLE...Hey hey hey, you crazy ponies!'
"Yes, Fruit Titan Discord?" asked several mad ponies wearing black mourning garb.
'You're wearing black! This is a CHAOTIC wake! Wear purple and yellow plaid mourning garb!'
"Uh, we're wearing tye-dyed!" Sleepy Skies defended.
'Hmm...okay, you hippy ponies are good.'
"Dude, why are we even here?" Flax Seed asked looking around, "We, dude, didn't even know the guy."
"It would be rude to refuse dear," said Wheat Grass to her husband. The various hippies ponies being not driven insane by Discord's magic.
"Plus free food," said Tofu.
'Ugh, 'why' this and 'why' that. I officially outlaw the asking of why I did something!'
"Father, you already outlawed laws."
'Oh...right…Then I hereby declare it extremely rude to ask me why I did something!'
"How can you outlaw anything? Aren't Princesses Animatia Erroria and Liza Doolots the honorary sacred, properly correct, but-in-no-way-overbearing acting guardians of Equestria's liberties?" May Flowers asked innocently.
'Because those two believe morals are the restraining, annoying things they are, so they didn't question it. Besides, we're in Chaos Land, and I am chaos, therefore Chaos Land might as well be part of me.'
"...So we're standing in you?"
'One way of looking at it.'
Then Flax Seed asked. "But isn't the World Tower the embodiment of all that is and the heart of the world dude?"
Discord gave an annoyed growl. 'Yes, and me, the 'Princesses', my little Princess, and my cousin all rule it, and my cousin didn't have a will."
"Dude, I thought Queen Celestia and Princess Luna ruled it, you're just poor and misunderstood from everypony didn't understand all your games before, dude."
'...If you stop talking, I'll give you your own reality bubble that embodies the hippy subculture.'
"You already declared us supreme viceroys of the heart land Equestria," Wheat Grass said. "And Queen Celestia was okay with it."
'...The answer to all questions you may have towards me is Chaos, moving on.'
"But that wasn't a question."
'...Okay, simple solution. Snap. There, here's a Mini-Discord, direct any confusion about Equestria towards him from now on. Can we get back to my chaotic wake now?'
"The sooner it's over," Blank Diamond said not trying to hide her disinterest.
"And who are you cute little Princess?" May Flowers asked.
"I'm she whose true name must not be spoken until my final hour. I am the howling wind within the hearts of all ponies who discover there is no answer. I am the expression of your darkest lament at the futility of existence."
The blue hippie pony didn't stop smiling. "You'd really like my cousin. She can make a spot for you at her next poetry recital."
Discord cleared his throat and looked at the signature guest book. 'Ugh! His Henchmaniacs didn't even decide to show up! I sent them invites!...Oh, wait they replied to the invites…'Imprisoned in the Nightmare Realm for all eternity, can't make it.' Well that's just rude!'
"Your first mother never once told you she loved you?" Wheat Grass asked amazed. The micro-Discord sobbed and nodded.
A blast from Blank Diamond's horn vaporized the micro-Discord.
'And this is why I don't make Extensions!'
"I thought you didn't do that because you had a gigantic ego," Blank Diamond replied, completely emotionless.
'That's true. Ugh, why can't I keep control of one chaotic wake?!'
"Because it's a chaotic wake?"
'...Point taken.'
May Flowers said, "Tree Hugger's going to be sorry she missed this. There! I finished lighting all the incense!"
'Good good, thank you! Now we can maybe actually get started. Everypony please put on your 4-D Glasses and mad ponies begin playing the music.'
May Flower gasped behind the 4-D Glasses. "Whao, dude...I can like see time."
Wheat Grass said, "I'm pretty sure this is a STEP DOWN from how Tree Hugger sees the universe."
"Or a step sideways," Sleepy Skies said.
'Yes, yes, it's amazing. Reminds me of limited the third dimension is compared to the Spirit World. Now...'
Half the mad ponies began humming 'Here Comes the Bride' through their noses which strangely sounded like trumphets. The other half started playing 'Happy Birthday to You' on bagpipes. One played an actual furneral durge on a kazoo backwards.
Wheat Grass meanwhile let out a graceful warble between ringing a small bell.
Blank Diamond's horn glowed and the stained glass Discord on the window became animated and cleared its throat. 'We are gathered here today to remember my triangle shaped adopted-cousin, Bill, who was tragically trapped inside a mind that was being erased then had his weakened form punched into oblivion by an old monkey. At least it was a fate that no one could have predicted. Bill's was a lover of chaos, and detested order. Liberated his second dimensional world from its boring limitations. Truly a polygon after my own heart. I mean sure, his universe tore itself apart at the seems, dooming everything and leaving him trapped in his own decaying dimension, but you can't make a multidimensional omlet without breaking a few eggs, am I right?'
The mad ponies cheered. Blank Diamond didn't react at all. The hippie ponies looked at each other.
"Does he mean the hatching of the great cosmic egg?" May Flowers asked.
'He accomplished a great many things in his trillion year long life. Such as being host to the universe's most wild party! Pulling a Kefka and actually succeeding in gaining godly power over the physical world! And vaporizing a baby Time Giant from the future and putting him out of commission for the next thousand years! Oh, and becoming almost as popular with the Shadows Who Watch as yours truly! Almost.'
The mad ponies cheered again.
"Dude...what's a Time Giant?" May Flower asked.
"Maybe, like, a metaphor for how time looms over us all?" Wheat Grass asked.
'But now, we must bid adieu and look forward to the future. Summer can't last forever, unless you hack reality and trap existence in a unending loop rending all accomplishments and increase in power meaningless as the future is forever beyond your reach. But I digress. So long Bill, you will be missed, my one regret is that you don't to experience what it's like being turned to stone for a thousand years in a peaceful orderly zen state.'
Blank Diamond looked up from a TV programming guide that had been lying about. "And he managed to get a emotionally vulnerable little girl with naive world views to doom the world without driving her insane."
'Yes yes. And her little reality marble was so much fun! Childish wish fulfillment at its finest!'
'No, because while I wish you'd be a bit more chaotic you didn't end up helping end me in the end because she realized she didn't like what she got...now if she'd betrayed him for more power, then maybe I'd be jealous. Hint hint young lady! Now, let us say goodbye to Bill. May he rest in...well, not peace, peace is BORING. May he rest in chaos.'
Discord's stained glass image tapped his chin, then snapped his fingers. Blank Diamond made no visible reaction but lifted the bowl of doritos onto a conveyor belt. And the glass stain window began playing Rising Shepard Tone with a kazoo for ten hours compressed into sixty seconds.
One of the mad ponies had a cremation furnace shaped like a dragon's head crawl out of his mouth at the end of the conveyor belt. The bowl of doritos entered, setting them on fire and melting them, bowl and all.
The furnace's jaws slammed shut, then burst into flutterflies. The glass window stopped animating when Blank DIamond's horn stopped glowing. Being it was from Discord, it was left frozen while mooning.
'There! Let's dust off our claws/paws. He's not getting any deader, well, deader than deader than dead. Who wants tacos? Your treat of course.'
"Like, tofu tocos?" May Flower asked.
'Eh, why not. I was going to have one made of dark matter with every kind of cheese in existence and anti-matter hot sauce. Think I got my taste for that from my brother...now what's the currency again?'
'Oh yes. Glad to see bits are currently completely meaningless. Until we make them meaningful again when everypony least suspects it!''
"Dude, can salt be the next currency?" Flax Seed asked.
'Hmm, that would be incredibly irresponsible and potentially cause widespread anarchy and chaos...Sure!'
"Our farm pretty much runs on anarchy anyway. Don't see what the big deal is," Wheat Grass remarked politely. They'd even hosted a purple unicorn with a shooting star cutie mark once who said she loved how equal everypony was at their little commune.
The group departed revealing the funeral home was actually a giant living pyramid which promptly meowed like a kitten and ate itself.


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Blog Posts in June, 2017
The Dangers of DIY Estate PlanningPosted By Spencer M. Baxter, Esq."Can't I just use an online will creator?" "My [son/sister/friend]'s estate is pretty small. An internet form will work for that, right?" I am no stranger to the do-it-yourself approach—I'm married to an engineer, after all. We enjoy personally maintaining our bicycles, we do a lot of our own car maintenance, and we even attempted to sand and refinish our hardwood floors (that was less of a ...Continue Reading
Estate Planning In a Digital AgePosted By Spencer M. Baxter, Esq.In the days where vinyl records were king your living room shelves may have been filled with your music library. Today shelf space is less of a concern for our music because more and more people utilize their computer to store their digital music library. You may now be asking yourself, what does music have to do with estate planning? The answer is the digitalization of music is a great ...Continue Reading
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Le NAI est situé à Uppsala (Suède).
Date limite de candidature : 1er avril 2012
Extrait de la présentation en ligne :
The purpose of the programme
One important task of the Nordic Africa Institute is to establish and maintain relations with African research communities. This is inter alia carried out through a Guest Researchers' Scholarship Programme, the aim of which is to provide opportunities for its participants to pursue their own research projects, thereby indirectly strengthening the academic milieux in African countries, and promoting scholarly exchange with Nordic research communities.
Who can apply ?
The Guest Researchers' Scholarship Programme is directed at scholars in Africa engaged in research on/about the African continent and with a proven track record of extensive post-graduate research experience. We would especially like to encourage women to apply for these scholarships.
Applications are invited from scholars with research projects related to current thematic research clusters at the Institute :
- Agrarian Change, Property and Resources
- Conflict, Displacement and Transformation
- Globalization, Trade and Regional Integration
- Urban Dynamics
The scholarship and facilities
The Guest Researchers' scholarship includes a return air-fare (economy class), accommodation, a subsistence allowance of SEK (Swedish kronor) 300 (approx. USD 45) a day plus an installation grant of SEK 2,500 (approx. USD 370), a shared office and free photocopying facilities up to a maximum of 1,000 copies. Guest Researchers have access to a computer/MS Word at the office and have to do their own typing.
The maximum duration of the stay is 90 days. To be entitled to a refund of the travel costs, the Guest Researcher has to stay for at least two months.


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Liquid Alternative Flows Negative in September
While one-year flows into liquid alternatives nearly hit $5 billion, investors pulled assets from the category in September. Outflows from the category reached $711 million during the month with Long/Short Equity and Market Neutral funds leading the way.
Meanwhile, commodity based funds continued to add to their coffers over the month, adding another $973 million in assets. Over the past year, commodity funds have pulled in more than $18 billion in new assets.
Active Long-Only Pain
While liquid alts are seeing outflows that will likely correct themselves after the next market correction, long-only active managers are feeling the pain of continued massive outflows that are likely more permanent. U.S. equity managers are feeling the worst of it with more than $23 billion of outflows over the month and $236 billion over the past year.
The below chart from Morningstar provides a summary of all the major categories across active and passive funds.
If asset flows are any indication, investors are clearly feeling that it is time to start shifting away from equity funds and into bond funds – this despite the low yield, and low expected return on bonds over the next several years. Either that, or they are chasing the high returns of bonds year-to-date, as noted in the table below:
As we know, past returns do not predict future returns, and this is a great example. Don't expect bond returns like these in 2017!
Liquid Alternative Category Flows
Drilling down a bit deeper, the September flows into (or out of) specific categories are outlined below ($ in millions):
- Bear Market: +$256
- Currency: -$154
- Long/Short Credit: -$153
- Long/Short Equity: -$551
- Managed Futures: +$440
- Market Neutral: -$512
- Multialternative: +$20
- Option Writing: -$41
- Trading Strategies: -$2
- Volatility: +$159
In addition to the above categories, nonontraditional bond funds lost $1.3 billion during September, continuing their negative trend over the past year. The category has lost more than $28 billion in the past 12-months, largely due to lower returns than anticipated and a near zero rise in interest rates.
Many investors piled into these funds in 2012 – 14 with the expectation that rates would rise and these funds would provide protection from falling bond prices. As we know, the rate rise has yet to materialize.
The full Morningstar report can be found here: Morningstar September Asset Flows


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Narrow Your Search
Provides a variety of resources and tools for teaching computer and Internet skills, which are increasingly necessary for success in today's economy. Find free training on a range of digital literacy topics, at different skill levels, including searching and applying for jobs online.
Timely, relevant, and accurate economic accounts data from the U.S. Department of Commerce. Includes numerous tables and charts of various economic estimates in an objective and cost-effective manner as well as the monthly Survey of Current Business.
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The entire pant 100 % is windproof, highly water resistant and extremely breathable Gore Windstopper Active Shell 2 layer fabric. They have Polyester mesh lining and reflective Yoko logos. These are multi sport pants for outdoor sports.
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