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Active versus passive: Two misleading arguments
When fund managers state their views on this debate, we can hardly blame them for bias towards their own type of management. However both sides tend to use arguments that don't stand up to close scrutiny.
Argument 1 (used by active managers):
"When markets fall, passive funds fall with the market, but active managers can save you from some of the downside."
The first part of this argument is obviously true. If the market falls by 10% a passive fund tracking that market will also fall by 10% (give or take a small tracking error).
However, the second part of this is disingenuous.
The return you will get on an actively managed fund will definitely be:
{The return on the benchmark}
{The fees charged by the manager}
PLUS or MINUS
{The value of the "bets" the fund manager takes on your behalf}
If the market falls by 10%, you will suffer this loss regardless of whether you have invested passively or actively.
On top of that you will get the value of the fund manager's "bets". This might offset some of the loss, or it might exacerbate the loss. Unless the manager has a systematic bias, the manager's ability to outperform should not be affected by whether the market goes up, down or sideways.
By comparison, the return on a passive fund will definitely be:
{The return on the benchmark}
{The fees charged by the manager}
PLUS or MINUS
{The value of the tracking error between the fund and the benchmark}
For credible passive managers, in most cases the last part, the tracking error, will be negligible. So from an expected return perspective, active versus passive becomes a simple equation.
If you can find a fund manager that you believe the value of the "bets" that they will take on your behalf is likely to be greater than the difference between their fees and the passive equivalent, then that fund manager will be better from a long-term return perspective.
If it is less, then go for the passive alternative.
Whether you think the market is going up, down or sideways is irrelevant to this decision.
Argument 2 (used by passive managers):
"Passive funds are less risky than active funds."
This is another disingenuous argument. In most cases, the additional risk from investing in actively managed funds is negligible.
"Tracking error" is a measure of risk. It gives an indication of the likely out- or under- performance of an investment against a particular benchmark.
For example a passive fund might have a tracking error of 0.25%pa, which means that you can expect that fund to be within 0.25% of the index return two years out of three. So if the market fell by 10%, we could reasonably expect the return on the fund to be between -10.25% and -9.75%. There is still a one-in-three chance that the return might be worse than -10.25% or better than -9.75%.
By comparison, an active fund might have a tracking error of 4%pa. In which case, if the market fell by 10% we would expect the fund's performance to be between -14% and -6% with a two-thirds probability. (So there's a one-in-three chance that the performance would be either worse than -14% or better than -6%.)
At first glance this seems to back up the passive managers' argument. An active fund with a 4%pa tracking error is 16 times "riskier" than a passive equivalent with a 0.25%pa tracking error.
However, that misses the point. Whether a fund out- or under- performs the index is not a relevant measure of risk for most pension schemes. What is more important is how the assets fare compared to the liabilities. A return of 20% would be disastrous if the liabilities rose by 40% over the same period; conversely -10% on the assets would be fine if the liabilities had fallen in value by 20%.
In the same way we estimated a tracking error for funds against their respective benchmarks, we can estimate a tracking error for the assets against the liabilities. For example, if a scheme that was 100% funded at the start of the year had a tracking error of 15%pa against the liabilities, and contributions exactly kept pace with the accrual of new liabilities, then we would expect the funding position at the end of the year to be between 85% and 115% (with a two-thirds probability).
Most of this risk comes from the strategic asset allocation rather than the choice of manager
In our experience, a "tracking error" from the asset allocation of 10%pa would be at the low end – certainly a reasonably conservative strategy for a typical UK pension scheme.
Conversely a "tracking error" from active management of 4% across the whole scheme would be on the aggressive end (When you combine active funds the overall level of risk decreases due to diversification).
So if a conservative strategy were implemented with very aggressive managers what would be the effect on the overall level of risk? Probably less than you might think. Assuming that the managers don't have systematic bias to be long or short of the market, then to add the risks you have to add the squares of the risks. (It's the effect of diversification, when your asset strategy is doing badly, your manager might be outperforming and vice versa.)
10.02 + 4.02 = 116 = 10.82
So even in this extreme case, the overall level of risk has been increased by only 8%. In our experience when looking at most strategies, the choice of active or passive makes no discernable difference to the overall level of risk.
This means that if you find a fund manager that you believe adds value (after fees) then using them will be a great use of your risk budget, because the additional risk is likely to be negligible.
When deciding on active versus passive for defined benefit schemes, the argument is quite straightforward.
If you can find a manager that you think will add more value with their "bets" than the cost of the additional fees, then use them. If you can't, then don't.
Discussions about whether the market is likely to rise, fall or meander along are irrelevant. And normally so is the additional risk to the pension scheme.


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challenging battle. Benjamin the donkey is too cynical and refuses to voice out his concerns about the Rebellion's aftermath. It's easy to talk about change, ain't easy followin' through. So, how do you retrain your brain to be even more creative and create better, more elegant solutions to problems? . If you are a child of God this morning, and you have committed the sins of Eli or of David, I want you to know that there is mercy with the Lord, and there is forgiveness of sins. Most of the villains in fact have the fatal flaw the Weapons of World War 1 of thinking there is no way they can be defeated. The girl says she is dying, but can fix it; before the man's eyes, she appears to begin regenerating, a trait only applied to Time Lords. Both brothers have no sense of self-worth thanks to Dad, who refuses to show any affection or let anyone help him, preferring to keep his sons completely in the dark. Why, and whats a better solution?
The, curse of, fatal. Death is a celebration of exactly that: the love of something in spite of its flaws. of the most fun and helpful books that I have read in a very long time: Winning the Brain Game; Fixing the 7, fatal, flaws of, thinking.
Voldemort also cannot understand love, though he can't help that - he's The Sociopath whose complete incapability for love and compassion were caused by the fact that his mother coerced his father with love potion, which is not true love. You have four points for one characteristic, three for two others, two for two more. Nine times out of ten, they lose. She also talked to a snake, and that is a worse thing. Most of the cast of What Its Like Being Alone, including Armie, who only has one limb left, Aldous the Emo Teen, Princess Lucy, who would be the Alpha Bitch if she weren't fiendishly ugly, Sammie the alcoholic Fish Person, Charlie, who is always. Retrieved External links edit. Analysing the now-empty space suit, River realises that the girl possesses incredible strength to have forced her way out of it, and that the suit's advanced life-support technology would have called the President as the highest authority figure on Earth when the girl got scared.
We often and automatically impose limits on ourselves that can unnecessarily hold us back, rather than propel us forward. Retrieved b Jeffery, Morgan. BBC America in the United States. Hamlet waited too long, and is very likely crazy. Jigsaw's MO is setting people up in traps (or as he calls them, tests and "games where someone must overcome their Fatal Flaw or be destroyed. 2:12, 22-24, 27-30; 3:11-13). 2 "The Impossible Astronaut" and "Day of the Moon" marked the first time that Doctor Who has filmed principal photography footage within the United States. He didnt suppose the Lord would actually judge him and his sons for their sins. Elis family lost their right to the priesthood (verses 30, 36). He realized that he was dead in his sins, and worthy of Gods righteous wrath and judgment. She was certainly a good person. I believe we can see this in the Scriptures, in many examples of real life people, who had fatal flaws in their person or character, with real antagonists that exposed their fatal flaws, and brought them down to ruin or even death.

subset: commoncrawl


text:
Why need to you outsource?
The IRS penalizes about a person from each 3 business owners for payroll faults. The brand new Jersey Section of revenue incorporates a similar ratio of penalties to entrepreneurs. The number one purpose you outsource your payroll into a Namely.com processing firm would be to keep compliant while using the IRS and Condition of recent Jersey.
Even though you are not producing mistakes handling your payroll internally, you still are squandering your most precious asset, TIME. Time is definitely the 2nd motive you must outsource your payroll firm. Your time and efforts equals revenue for your company and perhaps if delegate the obligation to the member of the employees, there are actually some supplemental things you really need to be anxious about. Their time doing payroll is revenue shed towards your business. Not simply does one have to pay back their salary or rate of pay, however , you need to pay back the employer tax bills, staff compensation, and worker benefits.
The worst scenario circumstance you've got opened your self up for prospective fraud. Inside payroll fraud is a lot more common in modest organizations simply because there is not a high level of safety with financial institution accounts, use of checks, signature stamps, social stability figures, addresses and various personalized details. All this offers you my third motive which is obtaining the satisfaction that the staff are paid out and taxes are submitted properly and on time.
So how can we decide a payroll companies firm?
When selecting a payroll corporation, you will discover five stuff you should know.
one. Financial Defense – Talk to your payroll organization to provide evidence which they are bonded and insured. You need to know should your payroll business can make a error, that they dependable for repairing their errors.
two. Catastrophe Recovery and Backup Tactic – Inquire your payroll business what their backup approach is that if there was any kind of disaster (instance: Fire, flood, computer virus, and ability and cellular phone failure). In which is your details backed up and stored? How promptly can they be up and working yet again if there was a disaster?
three. Purchaser Service- The one that handles your payroll is much more critical then human being advertising it for you. Request that's gonna be dealing with your payroll? Remember a salesman work is to offer you, and they're experienced very nicely to carry out so! You should question to speak with all the expert that you will be performing with to discover the way you like them and discover their stage of expertise inside the business. Talk to for many reference of consumers that they are now performing with. Figure out should your expert momentary or long-lasting? A few of the larger sized payroll organizations are Knowledge Processors and Connect with Facilities. Check with you if that is certainly the type of services you want. You should come to feel at ease and assured that if a challenge does happen, your expert will get it mounted quickly.
4. Pricing – The payroll industry has adjusted significantly about the years from al carte to bundled pricing. Most payroll firms bundle all of their expert services to give you a for each shell out period charge depending on the number of workforce you might have plus your frequency of shell out. You will discover more prices for supply, and 12 months conclude processing and W2s also. Since the payroll industry has gotten really aggressive you should definitely inquire your revenue man or woman if there is a reduction used, and when it operates out.
A number of the greater national payroll sellers and franchises have introductory rates, specials, and free of charge months. Customer beware! These specials stop and special discounts disappear and yearly increases occur. Remember that you are becoming offered by a very properly trained salesperson that will get paid for those who run your payroll, not should you remain. Inquire them to place it in creating and electronic mail to safeguard yourself, and if you really desire to get inventive, inquire them to own their immediate supervisor or boss log off on the proposal likewise.
five. Technique Integration of Worker and Employer Added benefits – Most payroll providers can supply supplemental solutions these as Staff Access On the net, Pay-As-You-Go Staff Payment, 401k, HR Methods, Overall health Coverage and Time and Attendance Methods. When selecting your payroll vendor, be sure that you choose a company which can expand with the small business.


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For treatment of several eye conditions like dry eyes, redness, swelling, eye discharge or mattering, allergies, etc., people would rather use eye drops than consult with their doctor for a prescription. Most eye drops are over-the-counter drugs, meaning you can buy them from pharmacies without your doctor's consent. Certain eye drops however cannot be obtained without your doctor's prescription - especially those medications formulated for eye diseases or disorders like Lumigan, Isotine and Xalatan, which are treatments for glaucoma.
The important thing to remember about eye drops is that prescribed or not, they are medicines that can cause side effects. No matter how small the amount of eye drops you put in your eyes, the drug penetrates your bloodstream by passing through the mucous membranes of the eye, the lacrimal glands or tear drainage system and the nose. That small amount of drug in your bloodstream can cause adverse effects in other parts of your body. Chloramphenicol for example, is used for treating infections caused by a certain kind of bacteria. Although this drug can be purchased over-the-counter, it is highly recommended to consult with your doctor for specific advice as this drug can cause severe blood problems if not administered properly. Systane for dry eyes, Tobradex for swelling and Patanol for itching and watery eyes are also nonprescription medicines that are best conferred with your doctor before application.
How you apply your eye drop solution is also crucial to achieving its effect. For proper application, here are simple tips.
Before using eye drops, examine the labels carefully for specific guidelines on indication, dosage and administration. There you will also find other factors worth considering prior to using the solution. Contra-indications for instance are very important to check as you may have allergies to some medicines, food or other substances. Similarly, you may be taking other medications or dietary supplements, which may interact with your eye drop solution.
If you are experiencing pervasive discomfort after using eye drops, it is best to stop procrastinating on visiting your doctor. While it is convenient and less expensive to use eye drops for quick relief, some of them are only recommended for short term use or you may develop another form of eye problem with regular application. The simple irritation, dryness, soreness, swelling or blurring of your eyes can possibly be symptoms of some acute diseases that may need more than eye drops for treatment such as surgery, transplant or alternative therapy. Playing doctor on yourself is not worth it if your sight is at stake.
How To Do Things. Copyright Howtodothings.com © 2016, all rights reserved.


text:
Global Citizen sets SA's social media pulse racing
A social media analysis found that discussion around the ill-fated Global Citizen festival grew by 500% an hour
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"Obviously You Can't Please Everyone. I'm Sure Some People Say, 'Bloody Old Len Goodman Gets On My Nerves.'"
— Len Goodman —
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All She Wrote Quotes
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Down The Aisle Quotes
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Los Besos Quotes
"A ti que aun no sabes los besos que te caben en la boca, a ti que has comprendido que a veces" — Joaquin Sabina


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You substantially bought your Apple HomePod to play song and maybe listen to your favorite podcasts. Did we also know a Siri-based orator does a good pursuit of assisting we to find your iOS inclination such as a iPhone and iPad? Here's how to do it.
Note: I'm regulating iPhone screenshots to illustrate a Siri interactions of a commands, though we can use Hey, Siri, directly to your HomePod to grasp these results.
How to use Apple HomePod to find your blank device
You contingency initial spin on Find My iPhone on your devices, including iPhone, iPad, iPod touch, or Mac. Once we do, we can find those inclination regulating Apple HomePod and Siri by only regulating your voice. From there, a blank device will start to ring until we collect it adult and stop a carillon from playing.
- Give a authority like "Where's my iPhone" or "Play a sound on my iPhone."


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Both Mama and Chubby watched them fly away.
A shivering Chubby slowly came out of the pond.
She escorted Chubby home without saying a word.


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2018.07.03 Tuesday
2018.07.03 Tuesday
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1) fayemi is a former governor of the state.Don't let anybody deceive you that a one term governor of a state doesn't' have any political base in the state he governed for four years.
as will speak he still has his loyalist not just in grassroots but also in the civil services of ekiti.
he left power with just one month salary owing but today ekiti is owing 7 months salary.
2) fayemi performance as a governor dwarfs fayose achievements in every sectors of the state.
3) fayemi has the backing of grassroots politicians of the states e.g seun Oni, niyi adebayo daramola e.t.c.
4)fayemi has only one term to complete the likes of segun oni and other grassroots politicians will be making a political blunder if they Don't support him cos he only has four years to rule.
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(5) fayemi didn't lose election to fayose. he lost to the federal forces that was lead by Minister of defence musiliu obanikoro.
2018 the federal forces is going to be on his side
(6) the likes of amechi, saraki,tinubu,oshomole was barred from entering ekiti prior on the eve of elections to give their candidate moral support.
2018 ,the president will lead the federal forces to ekiti and apc will storm ekiti will the full arsenal.
the likes of tinubu,Buhari,saraki,amosun,ameachi, el rufai, ganduje ,rochas okorocha, oshomole, ambode akeredolu will be present on ground.
it is going to be a tough one but fayemi will definitely come out victorious.
Opinion was freely expressed on Nairaland and not necessarily the position of the editorial team of SPY NIGERIA.


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With Virginia Tech showing interest in transfers, speculation began circulating about the Hokies having someone transferring away. Today, news broke that Tyrie Jackson is leaving Virginia Tech. Tyrie Jackson confirms he is leaving #Hokies for junior college — Mark Berman
Tag: Tyrie Jackson
Virginia Tech Loses to Miami 69-68
After defeating No. 5 Duke on Big Monday earlier this week, Virginia Tech traveled down to Coral Gables to try to even the series against the Miami Hurricanes on Saturday. The Hokies led 39-37 at halftime, the twentieth time they
Hokie Hoops Weekly: Breaking Down Virginia Tech's Talented Freshman Class
In this era of one-and-done players in college basketball, the impact freshmen have on their teams is at an all-time high. High-profile programs like Duke, Kentucky and Kansas have moved into a mindset of recruiting players with the assumption that
Virginia Tech Beats Detroit Mercy 111-79
The Virginia Tech men's basketball team started off the fourth season of the Buzz Williams regime in Blacksburg with a 111-79 win over Detroit Mercy who hail from the Horizon League. True freshman Nickeil Alexander-Walker led the Hokies with 24
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The Virginia Tech Hokies have taken care of business in their first two games against Maine and High Point with neither opponent having a chance to win in the final several minutes of the game. Tonight, the Hokies have their
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Voila! The app actually works by detecting muons , secondary particles that are created when cosmic rays hit the Earth's atmosphere When a muon strikes the silicon underneath the phone's camera, it activates an electric demand, which creates a pixel "signature." DECO calls for an image every handful of seconds, determines if the image has pixel signatures, and transmits the information to a central database.
It's no surprise Google's new Pixel and Pixel XL smartphones have flipped mind. Their high-quality builds and superior look are a long way off from the cheap, pedestrian Nexus Android smartphones Yahoo used to market. And with the power supply debacle forcing Samsung to drop its Take note 7 from the market, the trendy Pixel XL can be an obvious alternative.
Still, it's not perfect. I ran into some infrequent issues with game titles like Tempest, a pirate-themed RPG that has you cruising the open seas searching for trouble. While most games I tried completed the Pixel 2 XL's longer display without concern, Tempest still left a chunk of vacant space between your edge of the app windowpane and the on-screen navigation secrets. This is something developers will need to keep in mind as these sorts of displays become more popular.
But being a sizable top grade smartphone is not the thing the Galaxy Take note has going for itself. It really is called the Be aware because of one very important item - the S-Pen. The S-Pen is actually a stylus on steroids, providing a lot of nice notetaking and sketching functionality, which is exactly why this great smartphone has managed to get upon this list. There is a whole lot of free software on the phone that is specifically optimized for taking benefit of the S-Pen operation and the amount of available stock software is supposed to keep to grow. And undoubtedly, this isn't simply a note-taking tool, this is a full-fledged top-of-the-line Android smart phone that will help you with plenty of your day-to-day tasks.


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Some are cave-like and rustic, while others sport trendy interiors and live music. But they all have one thing in common – a selection of over 200 different variations for your choosing.
1. Kaleidoscope Whisky Bar
To many, the Scottish Malt Whisky Society's headquarters feels like the home of all Scotch. That's, of course, a subject for extensive debate, but beyond doubt is the appeal of its new Kaleidoscope Whisky Bar and its dedicated, knowledgeable staff equally at home welcoming aficionados and new-comers. With over 200 different drams to choose from, its carefully curated selection is designed to educate its patrons in the subtleties of this golden liquid.
2. The Scotch Whisky Experience
If you're worried about tackling a round of whiskies on an empty stomach, then head to Amber, the restaurant inside Edinburgh's Scotch Whisky Experience. Their dedicated Scottish menus are changed seasonally and would be worth making the trip for in their own right – this is some of the finest produce sourced from around the nation. That said, the dishes are also a perfect stomach-liner ahead of trying one of the 444 whiskies kept on-site, or before you join one of their famously fascinating tours.
SEE ALSO: 11 great gin bars around the world
3. The Devil's Advocate
Whether it's your first or hundredth time visiting Edinburgh, it seems almost impossible to avoid the city's much-loved Royal Mile. Already incredibly popular, it's set to be given a further PR boost when it appears in the Avengers: Infinity War movie in 2018. If you're looking for a wee dram away from all that big drama, then seek out The Devil's Advocate, a trendy, modern whisky bar in the heart of this UNESCO-protected part of Edinburgh's fabulous Old Town. They keep over 300 bottles of the good stuff behind the bar, and have quickly developed a reputation for their whisky cocktails, too.
4. The Pot Still
From the outside, The Pot Still looks pretty unexceptional: a classic 'wee old-man pub' in the heart of Glasgow. Inside, however, is an Aladdin's cave of whisky, impressively crammed into the old watering hole. The selection is stacked so steeply that barmen have to use a ladder to reach the upper bottles, or simply scale the shelving. Busy almost any night of the week, it feels like a Glasgow of the past, kept alive for the fortunate present.
SEE ALSO: The coolest vinyl bars in the world that music lovers need to visit
5. Bon Accord
Found near Charing Cross and the thundering M8 motorway, Bon Accord perhaps doesn't get the foot-fall of many other Glasgow bars. This is great news if you're planning a visit: less queueing time to have a run at the 800-plus real ales they stock through the year, and the 400-plus whiskies they have to hand. Few other pubs of any type have quite the same array of booze as the Bon Accord, which has rightly been crowned UK Whisky Bar of the Year (2014) and National Winner Independent Pub (2015).
SEE ALSO: Sip a sundowner at these amazing beach bars around the world
6. The Piper Whisky Bar
Just off the iconic George Square in Glasgow's lively Merchant City, The Piper Whisky Bar gets more than its fair share of visiting tourists. Aside from being conveniently located near to some of the city's most popular attractions, as well as being close to the bustling Queen Street Station (the main rain link to Edinburgh) the crowds come for the nightly live music, the traditional Scottish menu – and the 200-plus whiskies, of course.
This article was originally published by Singapore Press Holdings.


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The West Village weekend market is where you'll find me every Saturday morning. Supporting small and local is something I encourage all to consider. Growing up in Australia where the produce is fresh and in season is something I definitely took for granted. Since leaving home, I take sourcing real and clean produce very seriously.
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Name: Warsh quran pdf
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5 اکتوبر The Noble Qur'ān, the muṣḥaf of the qirā'at of Imām Nāfiʻ al-Madanī. In the Islamic PDF files). Muṣḥaf Tajweed, riwāyah Warsh, tarīq Azraq, pages, 94 MB Published in Tunisia, high quaity scanned PDF, MB. To know whether the Quran you are reading is Hafs or Warsh, there is a simple test: Quran into a 'specific' arrangement of Chapters and verses according to. 'Ilm Tajwid al-Qur'an علم تجويد القرآن: [download PDF] a concise introduction to science of tajwid (rules for reciting the Qur'an) by Syrian.
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Procera Oak
Straight Upright Growing Oak with Symmetrical Branching and Uniform Growth Rate
Procera is Latin for tall. The beauty of Procera Oak is displayed in its large, straight trunk with its straight central leader. The side branches grow both upright and symmetrical, but do not compete with the central leader. Seedlings from this cross are very similar to the parents with excellent resistance to mildew and heavy acorn production. Large acorns are produced on a yearly basis with heavy crops every other year. This species hybrid is quite vigorous right up there with the burenglish oak and can grow in dry conditions. Trees tend to go into the second and third generation showing more of its swamp white oak heritage.
Plant SpecsGenus & Species:
Quercus x bicolor x roburSeed Source:
Michigan EcosHardiness:
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60Width (ft):
30Pollination Requirements:
Self fertile or have two plants of the same cross.Soil:
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In the heart of Provence in the Vaucluse, on the heights of the village of Mormoiron, at the foot of Mont Ventoux and with breathtaking views of the latter, both in the middle of the countryside and 5 minutes walk from the heart of the village, very beautiful cottage for rent of + -65 sqm ground floor for 1 to 6 people on 1300 m² of land.
During the rental you are at home, so you get who you want. The cottage is fully independent without vis-à-vis, it has its private garden and terrace with a south west exposure (very sunny), its private entrance is located Ventoux side.
A garage is available to store bicycles.
Dining room and living room, a small kitchen with fridge, stove, 1 large room 12 m2 with 1 large bed of 180 cm (2 sommiers of 90cm), 1 large room 16m2 with 2 bunk beds of 90 cm and 1 bed of 140 cm , 1 bathroom with a shower, sinks, 1 separate toilet and 1 laundry.
A beautiful private pool and heated by a heat pump, round basin type with a diameter of + - 6 m, a water height of 1m40 with a walk all around that can sit in 30 cm of water and equipped with an immersion detection swimming pool alarm in accordance with the NFP30907-1 standard (April 2009), is reserved for you as soon as the season allows it exclusively except we and in the evening week from 19h where it is shared with the owner.
The whole property is fenced with an entrance gate, the parking is private and located inside the property.
Accessories not provided: sheets, towels.
Supplied accessories: Washing machine, TV with DVD player and USB socket, iron, coffee maker, WIFI internet connection, necessary cleaning and kitchen, 1 woman bike and 1 mountain bike, barbecue.
The village of Mormoiron is 600 meters away, Uexpress shop, pharmacy, post office, bar, 4 restaurants are present. Salettes Lake with its sandy beach is 1.6 km away, and walking is very pleasant.
Many opportunities for hiking or cycling.
Pets are not accepted.
The most: We are in the heart of Provence, 1.6 km from the cottage you can enjoy the lake Mormoiron, its sandy beach, beach bar restaurant, huge forest and tree climbing course, in a less than 20km radius you can visit: the Fountains of Vaucluse, The island on the Sorgue (the Little Venice Provençale), Mont Ventoux, Sault and its lavender fields, Venasque (most beautiful village in France), Luberon, Gordes , Roussillon. in a radius less than 40km: Avignon, Toulourenc Gorges, Vaison la Romaine, ...
If you want the cleaning to be done at your departure it is necessary to envisage 60 €.
July and August, minimum rental of 7 nights from Saturday 16h to Saturday 10h, payment of 30% of the rental on booking, the balance on the first day of rental.
(For other months with a weekend rental or less than 7 nights and an arrival other than Saturday or Sunday, the rental starts at 19h and ends at 10h.)
Payment of 30% of the rental on booking, the balance 30 days before the first day of rental.
Weekly rental from 350 euros.
Deposit 500 euros (check not cashed).
Payment of 50% of the rental on booking, the balance 30 days before the first day of rental
Possibility long term rental out of season from October to May: 950 € / month. Deposit 1000 euros.
All rates are: water, electricity and heating included.
On youtube type: carlier bruno the village of mormoiron ventoux en provence
Welcome to Provence ... and good holidays ..., if necessary contact me 0033. 6.17. 49. 93. 48
The unavoidable visits:
The steps :
- Sunday morning: Mormoiron market Provencal, Isle sur la Sorgue
- Monday morning: a) Boinoin famous and large market Provencal, b) Saint Didier
- Wednesday morning: Sault
- Saturday morning: Pernes les fontaines
- Every summer evening: Velleron, famous market of local producers (only seasonal fruits and vegetables harvested the day of the market), from 1/04 to 30/09: every evening from 18h to 19h30, from 1 / 10 to 31/03: open on Tuesdays, Fridays and Saturdays from 4.30 pm to 6 pm
The restaurants nearby:
- The hut *** 04. 90. 61. 91. 60 (straw hut at the edge of the pond Mormoiron where you can eat very well
- Restaurant table of friends ** (village center) 04. 90. 69. 57. 49
- Restaurant "The Adventure" at Mormoiron 04. 90. 11. 10. 87, at the roundabout (facing the cellar TERRAVENTOUX)
- Pizza Basta *** in the heart of the village, delicious pizzas to take away 04. 90. 29. 76. 12
- Bédoin: many restaurants and bars
- In Crillon le Brave: The country bistro "St Germain" ** 04. 90. 65. 34. 25 (superb view) or the Relais castle 5-star "Le Crillon" gourmet restaurant.
- Venasque (most beautiful village of France) very good restaurant "Les Ramparts ****" with bird's-eye view 04. 90. 66. 02. 79
- Bar of freedom in Mormoiron (a little air of more beautiful life), go on foot take coffee, aperitif or a dish snacks
- La Calade *** 04. 90. 63. 01. 94 very good table and superb point of view
- Mont Ventoux bar restaurant in Flassan 04 90 51 77 80
Near :
- The bakery in the heart of the village (open only in the mornings), to go on foot is very pleasant.
- In Crillon le Brave: very beautiful village with nice points of view
- Bédoin (many restaurants and bars), bike village par excellence.
- The lake of Mormoiron, to follow water plan, (beach, restaurant & bar at the edge of the water, accrobranches, departure of many walks in forest)
- Visit on foot the top of the village of Mormoiron with its medieval vestiges
- Food stores: Uexpress center village, Carrefour contact Center of Bédoin, Super U in Mazan
- The ocher quarries of Mormoiron and its red canyons, a little wonder (departure from the lake)
A + - 30 minutes:
- Isles sur la Sorgue (small Venice), numerous canals, paddle wheels, many shops,
- Fountain of Vaucluse ... to walk until then source
- Roussillon and its red village (Colorado Provençal, ocher quarry)
- Pernes les Fontaines and its 40 fountains
- In order on a ½ day Venasque (most beautiful village of France) very good restaurant "Les Ramparts" with bird's eye view, Walls, Gordes, Senanque Abbey
- Mont Ventoux, Sault and its lavender fields
- The Gorges du Toulourenc (bathing or walk in the bed of the small river fed by Mount Ventoux flows for 30 km in a narrow valley with deep and wild gorges
- Aquatic theme park at Monteux SPLASHWORLD and PARC SPIROU PROVENCE
- Avignon (the Palais des Papes and on its left climb on the Rocher des Doms (superb view), in July the famous festival of Avignon (more than 1400 shows offered from July 6 to 24)
- The Gorges de la Nesques (tourist route with its tunnels and its road that borders the gorge (superb views) departure from Ville sur Auzon towards Monieux and its lake.
A + - 1h30
- Cassis and its Calanques (+ - 1h30 drive, plan the day and leave early), take the boat and ask for a visit to the 3 creeks or go hiking and go to the Calanque d'En Vau (take the picnic , go back on foot foresee 3h30)
- The Camargue: Sainte Marie de la Mer, Aigues Morte and the Grau du Roi (between Aigues Morte and the grau of the King, visit the Salins du Midi a small train will take you into the saline)
- Les Baux de Provence (currently in the quarries exhibition "Chagall") to couple with the Camargue or Aigues Morte and the Grau of the king
- The Pont du Gard, Nîmes and its bullring ...
- Marseille, the Old Port, the Fort Jean and its footbridge to Mucem, Notre Dame de la Garde (to go up there, superb point of view on the Frioul Islands, the Castle of If "Count of Monte-Cristo". Carry-le-Rouet (Fernandel seaside village), next door Sainte Croix, its beautiful beaches and the location of Camping Paradis (we can see the camping shooting)
- Palavas-les-Flots,
A + - 2h30: - Giens-Hyères and the islands of Hyères, Porquerolles


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The game I have chosen to create was based on the anime Another I liked how the anime showed that not everyone present may actually be there. So I decided to try and create something similar to that theme. How the game works is that out of all the players that are playing one of them is a "ghost". From there humans and ghosts has a different end game in order to win.
I had created a layout of what the game would look and it is quite similar to Abyss only I added a few more extra features to the game to make it more interesting. As I played multiple scenarios in my game and a few trial and error practices I realized that I had actually made it to clutter and it became clear that I might have over complicated the game. So back to square one.
This them I had a though back on what I did wrong. Firstly I inserted too many events and characters that could potential missed up the whole game. Secondly I might have made the ghost in the game have too much advantage against the ghost. Finally from a simple game in my head I had made it too complex by trying to turn it into a board game (too soon I guess)
So this time I'm trying to make the game closer to a card game. The game I have made is similar to Once Upon A Time . Each player will get 7 cards but out of all the players one of the cards will be a "cursed" card meaning he or she is the one that cannot win. Each player will also receive a supernatural creature by its side which has an ability that can only be used once in the game. The 7 cards contains objects, location, characters, aspects and action cards. The purpose of the game is to allow the players to think creatively of a story with the hand they have received. However words with similar meaning to other cards can be intercepted. Which in that case allows the next person to continue their story.
They must finish their story with their end creature and once that has been completed. I noticed that some people might not be aware with what kind of creature they have so I have also added a quick description of their character allowing the player to create a base for its story. The creatures they receive also has a unique ability that can be a game changer however it can only be used once.
After each interruption players have to take one card from the person to their left as it allows the curse card to constantly be moving. The loop of the game is to finish your story and don't get the curse and have fun denying people their story. I am still trying to figure out some smaller problems of the game but if you have any suggestions I would love to hear it


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Florian Rister
Florian studied political science and is Vice-CEO of Deutscher Hanfverband (German Cannabis Association), the biggest legalisation advocacy group in Germany as well as the main industry association for the German cannabis industry. He has been fighting for full legalisation of cannabis for more then a decade. Since a new law for the prescription of medical cannabis was enacted in Germany he is presenting this fascinating change to people all over the world.


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MXR Distortion + (MXR104)
Regular price
Sale price
The little yellow box responsible for great distortion sounds heard on many classic recordings.��
Featuring a soft-clipping, germanium-based circuit, the Distortion + offers warm, tubey overdrive through to gnarly fuzz with a super-simple two knob interface.
Set the Distortion control low and crank the Output knob to drive the front end of your amp for cool blues tones, or max out the Distortion knob for classic early 80s hard rock tone.��
A classic since the mid-seventies, the Distortion + is a great choice for no frills, American-made dirt box.
5 Year Limited Warranty


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Ford's cutest tank
View of a Ford 3-Ton M1918 tankette, used during World War I and powered by a pair of Model T gaslone engines:
Handwritten on back: "Ford 2-man tank, World War I. Credit: Col. Robert J. Icks Collection. Ford 3 ton light tank, c. 1918. 3.4 tons, max. speed 8 mph, two Ford Model T engines, one cal. 30 machine gun. Historical motor vehicles."
Armed with just a single M1917 Marlin light machine gun (itself an updated M1895 Colt potato-digger), the Army wanted 15,000 of these to smother the Germans in 1919 on the Western Front but only 15 were built before the end of the war.
According to wiki: There are two known survivors; one is at the National Armor & Cavalry Museum at Fort Benning, Georgia; the second is with the Ordnance Collection at Fort Lee, Virginia.


text: Summer Day on Lake Geneva, May 22, 2016 0 | Mild weather on Sunday May 22, 2016 brought out fans of the Lake Geneva Pier and Library Park area. Video captured by James Strauss, managing editor of The Geneva Shore Report and author of exciting short stories and novels. /p> Sign up for Updates Share: Rate: