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North Korea threatening to shoot a missile toward Hawaii. Iran in the midst of revolution while trying to obtain nukes. Unemployment approaching 10% in the US. A trillion and a half dollar deficit.
Yet, this is what our elected officials choose to devote their time doing:
From the Kansas City Star:
Senate apologizes for slavery
By unanimous consent, the Senate passed a resolution a short time ago apologizing for slavery and racial segregation.
Republican Sen. Sam Brownback of Kansas, one of the sponsors, said the measure was no "panacea," but could help trigger "reconciliation."
"I am pleased that Congress has officially offered an apology for slavery and it's long overdue," he said. "The formation of my home state of Kansas was centered around slavery and came to be known as 'Bleeding Kansas.' I believe that this official apology will enable our nation to begin healing our racial wounds rooted in the institution of slavery."
Sen. Tom Harkin, an Iowa Democrat, was the other sponsor.
The passage coincides with Juneteenth, a celebration which commemorates the end of slavery in the U.S.
The measure "apologizes to African-Americans on behalf of the people of the United States, for the wrongs committed against them and their ancestors who suffered under slavery and Jim Crow laws."
It also "acknowledges the fundamental injustice, cruelty, brutality and inhumanity of slavery and Jim Crow laws."
In addition, it "expresses its recommitment to the principle that all people are created equal and endowed with inalienable rights to life, liberty and the pursuit of happiness, and calls on all people of the United States to work toward eliminating racial prejudices, injustices and discrimination from our society."
The apology, which now goes to the House, is not unique. Congress has formally apologized to Native Americans, to Japanese Americans for their internment during World War II, to Hawaiians for overthrowing their king, and for never enacting anti-lynching legislation.
This hollow, political pandering is getting tiresome.
It is bad enough we have a President who goes to foreign countries and trashes the US for its past transgressions.
Everyone with a brain knows slavery was and is wrong. It is a blight on our nation's past. But it is the past. The seemingly endless narrative serves not to help understand and learn from it, but only holds the country in a perpetual state of guilt for that from which we've moved on.
Acknowledgment is one thing. Obsession is another.
These senators would do well to direct their energies toward problems which actually exist, instead of trying to curry favor with people by dredging up terrible periods of our past.


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Late Monday evening, the second trailer for Avengers: Age of Ultron was released, and it was a doozy. Beyond the threat of human-hating AI, it appears a lot of the drama will occur internally within the Avenger group. We have Hulk vs. Iron Man, Thor vs. Iron Man, and a horrific army of robots intent on wiping out humanity. Just another day in the MCU! There's only about a minute and ten seconds of footage, but it gives us a pretty solid idea (based on no small amount of speculation on our part) of what to expect come May 1.
The trailer begins with chaos, a bone-wrenching chime, and a scene of frightened people. Hawkeye is there, ushering a group into an unfamiliar dropship (maybe left over from S.H.I.E.L.D.?). The presence of the Avengers hints that something bad is happening (obviously), though it's unclear what. A terrorist attack, maybe? There's destruction everywhere; it looks like the end of times. We get a wide shot just as Tony Stark mutters the words "vulnerable world."
Humans aren't safe without the help of our heroes. Or are they more in danger because of them?
I don't think the destruction is a result of the fight between Hulk and Iron Man, which we see later in the trailer. The color grading is different—cool as opposed to warm—and the location looks similar to when we first see Scarlet Witch and Quicksilver. Could they be responsible for the destruction? We do see them casually hanging out with Ultron in the previous trailer, so perhaps he influenced them to take out their anger on humans.
Captain America's suit now has an Avengers logo, suggesting our superheroes finally consider themselves a team. Cute. That doesn't necessarily mean they are getting along, though, but it's symbolic to their overall importance to the world they've agreed to protect. But, as Tony Stark says, they may not be powerful enough to save the world they live in, which is why the robotic peacekeeping program exists.
And then James Spader's menacing Ultron chimes in, "Everyone creates the thing they dread," with a shot following Tony Stark as he enters an unknown military factory full of bombs and other destructive weapons. Are these the creations of Stark Industries? Very likely. As opposed to Stark's bravado in the first Iron Man film, he seems almost horrified by the ruination he's wrought. In the next shot we see a destroyed robot—likely Ultron—spark to life, who then shambles into an Avenger pow-wow; Bruce Banner seems genuinely shocked—and pissed—Ultron is still alive.
Stark has a look of "oh crap" on his face before a duo of sentinels come flying through the wall behind Ultron. And so begins the biggest threat to the Avengers yet; a robot with a God complex and an army of autonomous Iron Men. What could possibly go wrong? The shot of Ultron here is significant on three fronts: on the one hand this is probably the most vulnerable we'll see him; he's been torn to pieces and can barely walk, but he survived. He's also essentially in Avengers garb, with a logo and the patriotic red, white and blue colors.
The shot is also important in the way it specifically focuses on Banner, Stark and Ultron, as if to signify the fragile relationship between the three. Stark and Banner have the ability to connect on a deeper intellectual level, somewhat keeping Banner from entering into his Hulk-fueled rages. But beyond intellect, Stark is the only one who appears to accept the Hulk part of Banner, in the first Avengers film saying how he was a "huge fan" of the way he would lose control and turn into a "green rage monster." Ultimately their intellect is manifesting in Ultron.
But, as we've learned from the trailers, the honeymoon period doesn't last, and the two eventually partake in some next-level fisticuffs. The part we've yet to see is why Banner is so stinking upset. He's like, really, really mad, to the point where Stark needs to use a suit dedicated for such Hulk-related temper tantrums.
The trailer quickly cuts between a shot of Nick Fury, presumed dead following The Winter Soldier, and a mysterious lady disrobing in a cave. Who is she? Your guess is as good as ours. Both the cave and person have to be significant; some people have pointed out that it could be the younger sister of T'Challa (Black Panther), whose name is Shuri. In the comics, she later went on to assume the Black Panther identity, but she has a more immediate role to play here.
Thor spouts off a dramatic one-liner, and then we cut to a younger Natasha Romanoff (Black Widow), who looks absolutely terrified before a hand (a lady hand?) grasps her mouth and forcefully lays her down on a gurney. Just before this, Romanoff says, "We have no place in the world." After the first trailer hit, it was clear Age of Ultron would reveal more about Black Widow's past, and this is yet another glimpse as to why she is the way she is. Finally we'll get to see what makes her tick.
A few action sequences, and then another brief glimpse of Andy Serkis, who is believed to be playing Ulysses Klaw. Klaw is important because he's an expert on Vibranium, which many believe will be applied to Ultron's body to make him nearly indestructible. (We actually see a shot of this in the first trailer.) That sounds like an incredibly dangerous combination, so Klaw's involvement will obviously be key to Ultron's reign of terror on the Avengers crew.
Here is one of the more touching moments of the trailer. The majority of it is doom and gloom, but this shot of Hulk and Black Widow identifies a stronger emotional connection between the two characters. Yes, these characters ultimately care about each other. The color grading here is different from the fight between Hulk and Iron Man, making it unclear if this moment is taking place before or after the much-anticipated MMA battle. My inclination is that Black Widow is calming Hulk down, but it could also be a realization from both characters that Hulk might not be able to control his anger any longer.
Finally we get to what is turning out to be one of Age of Ultron's most pivotal scenes: the Hulk vs. Hulkbuster fight. It's difficult to extract much information from what we're shown, but is anyone else concerned with how casually the bystanders are watching Hulkbuster choke-slam Hulk? I mean, it's like the CGI characters aren't even there. Food for thought. Another quick glimpse of Hulk shows him with bloodshot eyes, suggesting he's angrier than he's ever been. Or sadder.
All that from a single trailer, but it's important because it gives us more insight into why things are happening. Otherwise it would just be some guy in a Transformers suit body slamming some angry green alien man. We're halfway through January, which means we're that much closer to Age of Ultron's May 1 release here in North America (sooner in other parts of the world). I just keep telling myself that I can handle the three month and some-odd-day wait, but the truth is I'm more impatient than ever.
The Galaxy S20 Ultra's Space Zoom camera is amazing and a bit creepy
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Win an iPhone, iPad and Apple Watch with the Reader's Choice giveaway!
What's the best phone of 2019? Is it the iPhone 11 Pro, Pixel 4 or OnePlus 7T? What about the best laptop, games console, tablet and more? Vote NOW in the Reader's Choice awards and win BIG in time for the holidays!
Here are the best products from IFA 2019!
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Step into your favorite film with a pair of 3D glasses
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subset: commoncrawl


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Golden State
Book Details
Recognition Programs
About the Book
On a late-night talk show in the fall of 2003, Arnold Schwarzenegger announces his candidacy for Governor of California. Two months later, he wins, despite having no qualifications for the job beyond playing a hero on screen.
With Arnold's rapid rise to power as a seductive backdrop, Golden State follows a disparate quartet of characters in the capital city of Sacramento as they feed off this anything-goes atmosphere and undertake a variety of misbegotten schemes of their own, all in pursuit of this same kind of validation and fulfillment.
There is tightly wound realtor Missy Carver, determined to find Arnold his "Sacramento dream estate" and secure the partnership she's sure will make her feel complete; Spencer Brine, a depressed obituarist whose star-crossed love for a local stripper provides him the inspiration for an unlikely rise through the paper's ranks; widower Todd Tisdale, lost in former glories, who pins his hopes for saving his struggling tuxedo shop on befriending Arnold, no matter what it takes; and finally, Rowena Pickett, a directionless tanning salon employee who only wants to find love—even if it's with a prison pen pal she can't touch.
As these characters' lives intersect, often in unexpectedly fateful ways, David Prybil's darkly humorous work examines both the rough underbelly of dashed hopes and the enduring power of the American Dream.
About the Author
David Prybil is a writer-producer with fifteen years of experience in the entertainment industry and producing credits on such films as Saved! and Dancer, Texas. A former development executive and production company president, he has a BA from the University of Michigan and a JD/MBA from Indiana University. He lives in Los Angeles, California.


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Simple Ways On How To Fix Your Home's Interior
This article will help you figure out how to redo your house in the job done. Keep reading to learn about these great info.
A good tip for design is to understand the room's function. For instance, think about bright, you might consider bright and lively hues to inspire creativity or to match the child's personality. But brighter colors will definitely not work if the room is a library.
Make sure that any office space functional whenever you are designing is functional. It is vital to have good lighting in a work space.
The amount of natural light available in a room plays a large role in the way its interior decorating projects. If your room lacks windows, you should choose a paint color or wall covering in light shades so your room will not feel like a cave.
The best thing you can do to prep for any type of interior decorating is by de-cluttering.
Take a look at the latest trends when you are designing. You never want to be known to have a home to look out of date. Look at other people's decorating ideas.
Paint is something you'll need to buy, but only high quality paint. Cheap paint does not last as long and can even damage your walls, which will cost more money in the long run. Invest in quality paint brand and add longevity to your design.
If you have hard floors such as concrete, stone or tile, the use of stylish area rugs will make your room seem cozier and warmer to your feet.Rotate rugs regularly to keep wear and coordinated aspect to your room.
Many of us possess small spaces in their homes that we want to make appear larger. Using light colors can help make any space a less-restricted feeling. Dark colors make the room look even smaller that it is.
One way to update any room is for you to focus on your accessories. Replace your accent pieces, accent pieces and light fixtures for new ones.Try buying some new tea towels and window treatments. These easy improvements will not only make your rooms look nicer, without negatively impacting your budget.
Lighting is an important role in every design project. There are a lot of ways you can use light in decorating; windows, candles, skylights, candles and mirrors. You can really make a space bright if you use these items into something that works well for you.
Don't forget to consider the living room traffic when placing furniture. You need enough space for everyone to walk around. You don't want to have traffic jam of people in the middle of your living room!
If you use a soft white or beige on walls you can make the room seem bigger, choose off white or beige for your wall color. Darker colors will make your space appear smaller.
An excellent tip to help give you interior design ideas is to watch TV specifically related to homes and gardens. There are lots of television programs out there that will give you many great ideas and how you can make them a reality in your own home.
This allows the child to participate in clean and organize toys in a way that suites them. It makes it easier to keep the room nice and organized.
Mix odd objects that are not match. You might like the zebra stripe throw pillow gives a whimsical look of clashing patterns! You also may find that your living room comes alive when you place a funky-colored blanket on top of a purple sofa. Mixing and matching can often time results in a better looks than you think!
As you now know, interior planning isn't only for the super creative. Using the tips you've just learned, you can make good use of all of your own creative gifts and give your home an impressive new look.


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BKF Engineers (BKF) is pleased to announce that Greg Hurd has been selected by the company's Board of Directors and shareholders as its new President and Chief Executive Officer. Current President/CEO David LaVelle will hand over the reins to Hurd on January 1, 2020. Hurd will become the fifth President in BKF's 105-year history, and will oversee the vision and future development of the company.
"I am honored and grateful for the opportunity to lead this exceptional organization of creative, dedicated, and talented professionals," said Hurd. "It is a privilege to be part of a firm that delivers high quality services and innovative solutions to incredible clients. On behalf of everyone at BKF, I want to recognize Dave (LaVelle) for his dedication throughout his 31-year career at BKF. Under Dave's leadership, BKF has grown into the successful 500-person consulting firm it is today. I look forward to building upon his achievements. We are all very appreciative for Dave's countless contributions and for positioning BKF to continue delivering inspired infrastructure for a sustainable future."
With 33 years in the AEC industry, Hurd has worked at BKF since 2009, when Santa Rosa-based Carlenzoli & Associates merged with BKF. He has led the firm's North Bay location since that time, and was appointed Executive Vice President in 2018, focusing on strategic management and growth initiatives for the company.
BKF's 100+ years of engineering, surveying, and planning have produced some of the most recognized projects in California. Hurd's promotion to President/CEO ensures that the firm's leadership is well-positioned to meet the demands of growth in an increasingly dynamic and complex market. Hurd is a California professional civil engineer and land surveyor, and is a LEED accredited professional with more than 30 years of leadership and management experience. He has managed a diverse array of public and private civil engineering and land surveying projects, including work on historic Treasure Island in the San Francisco Bay. In addition, Hurd has often been recognized for his years of dedicated service and involvement with numerous local civic, business, and non-profit organizations. Once named one of the "Most Influential Leaders in the North Bay", he is passionate about giving back to his community and his profession.


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Dear valued HUB SmartCoverage client: The ongoing COVID-19 crisis is causing extremely high traffic volume and wait times may be longer than usual. We recommend that you register for online self serve to submit your request. Be sure of one thing, we'll take care of you!
There are a lot of things you can insure. Your home, your car, your valuables. Even your pet. If you've got multiple assets that require coverage, it can be tempting to insure everything with the same company. But is that a good idea? Is it even possible? Let's take a look.
Not every insurance provider offers every type of insurance. For example, you may find that your auto insurance company doesn't provide life insurance policies. But many major insurance companies in Canada do tick a lot of the same boxes. These typically include the following:
Auto – Auto insurance is a primary service that insurance providers offer their customers. It usually encompasses damage to your vehicle and costs associated with liability.
Alternative vehicles – While sometimes still technically falling under the umbrella of auto insurance, vehicles such as boats or motorhomes require additional levels of coverage. If you own toys like these, you may need to go with a large, well-known provider.
Home – Home insurance is another primary service that insurance providers offer their customers. As with auto insurance, a standard policy covers costs associated with damage and liability.
Alternative property – If you have a seasonal property, live in a condo or rent instead of own, your property insurance is a bit different. Most companies that provide home insurance offer these variations, though that isn't the case 100% of the time.
Travel – Many insurance companies provide their customers with travel insurance. Though some companies offer travel insurance exclusively, many auto and home providers offer travel alongside their offer packages.
If your insurance needs are straightforward and you work with a major insurer, chances are you can get all (or at least most) coverage from a single provider. But is the convenience worth it?
Assuming you're able to find an insurance provider that meets all of your needs, it can feel like a good option to give them your business wholesale. Why wouldn't you want the convenience? The intuitive counter stance is that it's always good to comparison shop and find the lowest price for each policy, even if it means going with a different company.
While it's true that it's always smart to shop around, bundling your policies with a single provider doesn't just simplify the process; it's also a great way to get a discount.
Many insurers provide discounts in the range of 10-15% when you bundle policies, like home and auto insurance. Some will give a bigger discount if you add a third policy, as well.
It's still advisable to check out the market so you know your options and speak to your insurance broker, but putting as many policies with a single company is usually as financially rewarding as it is simple.


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Why is coconut oil everywhere today? So many people take it, use it on their bodies, and cook with it every day. A lot of them don't even know why they're doing it. Hopefully this article will answer a few questions people ask about coconut oil every day.
When should I eat coconut oil?
He answer depends on your goals. When you need a mental boost, especially first thing in the morning. Coconut oil is loaded with medium chain triglycerides to help supply your brain with ample energy. Even though your brain weights only 3 lbs. it uses 20% of your daily energy!1 Next time you are feeling tired and sluggish, eat a tablespoon! (Note: Works best on empty stomach) Before/After a workout. Eating coconut oil before workouts for that explosive enduring energy helps get through the day after you workout as well Athletes are now looking at entering workouts in a "fasted" state and eating coconut oil afterwards for recovery. We suggest both, and encourage you to see what works best for you. With Meals. Coconut oil is a natural healthy replacement for margerine and unhealthy oils. So keep the whole family supplied with healthy fats by adding coconut oil in place of unhealthy processed fats like canola or rapeseed. For Those Late-night munchies, ever wake up starving? This is typically caused by both under-eating and overeating close to bedtime. In either case, the bad decision is to load up on simple sugars and left-over pizza. The appetite suppressing effect of coconut oil makes it the perfect midnight snack. Eat a tablespoon with a glass of water and go back to bed.
Raw coconut oil vs. virgin coconut oil?
Choosing a coconut oil can be confusing, and many people end up believing raw and virgin are the same. This is not necessarily true. It depends on the manufacturing process used to make the oil.
Virgin coconut oil, depending on its method of extraction, can be exposed to heat. Raw coconut oil is never exposed to heat. So not all virgin coconut oil is raw, but not all raw coconut oil is virgin! There are several types of coconut oil on the market. The common labels are refined vs. unrefined. Unrefined coconut oil is usually called virgin, or pure coconut oil. Others describe their oil through its method of extraction; cold-pressed, expeller-pressed or centrifuged. Take note that expeller pressed and cold-pressed oils don't necessarily mean "raw". These oils can be heated to high temperatures during the extraction process.
What is oil pulling?
Oil pulling is like using mouthwash and involves swishing the oil in your mouth. It helps freshen breath, whitens teeth, and improves gum health. First thing in the morning, place one tablespoon of coconut oil in your mouth and begin to swish for 5-20 minutes. Without swallowing, move it around your mouth, teeth, and gums as if it were mouthwash but don't gargle it. The oil will begin to get watery as it mixes with your saliva. Keep swishing. You may also notice that the oil mixture will thicken the longer that you "pull". When you are new to oil pulling, this can seem like a really long time. It's important to keep at it, as this will make the oil most effective. Try it in the shower and the time will pass much more easily. After the 5-20 minutes, spit the oil mixture into the toilet or trash can. Rinse out your mouth with warm water and brush your teeth.
These are a few of the questions patients ask me every day, and I hope these answers help you as well.
For any questions on this or any of my articles, please feel free to email me at firstname.lastname@example.com
Leiss-Marie Grgula, D.C.
Chiropractic Physician
Accurate Care Pain Relief Center
21043 N Cave Creek Rd, #A9
Phoenix, AZ 85024


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I'm arrived to the S8 Underground Club at half past six, where 4 young talented metal bands performed last night. A Hungarian rock band, a French symphonic metal band and two Russian trash metal bands. Names are Pandas of Princess, Beneath My Sins, Feelament and Pokerface.
The S8 is located at Kerepesi road 26, opposite the exit of the metro line M2's stop at Puskás Ferenc Stadion.
There are always good-looking parties, good drinks and good staff.
After I went down, I noticed that the main team, Pokerface, make the soundcheck.
After dropping my stuff in Backstage, the singer of Beneath My Sins came to me and signaled to me that she is ready for the interview. This surprised me because I usually go to the bands.
We went to a couch in the lobby and we did the interview there.
Emma was very nice and the interview was pleasant. A well-made picture was also great.
With Emma the singer of Beneath My Sins
Then I saw the Feelament's singer, who was drinking tea at the bar.
I went to her and talk with her. I asked her: Has she some time for an interview?
Of course she answered, and we went to the tables. She called the guitarist who helped her in the translation.
Finally, the interview was in a good mood. The picture was made by the guitarist and I think that was a great pic. After the photo, Maria hugged me and she was very grateful for the interview.
With Maria, the singer of Feelament
Finally, I made an interview with the Pokerface's beautiful singer, Alexandra, who was also very nice.
Then I consumed and then the concert started.
First of all, Pandas of Princess gave a concert that was enjoyed by the members of the other bands.
Then came the Feelament, during their soundcheck, I talked a few words with Maria. She said, again very kindly, that it is very important for them to we write about them.
The Russian band plays groove metal, similarly to the trash metal, with hard guitar sounds and hard growls.
Maria and the guys performed a song from Pantera in which they were singing us.
Meanwhile, the bartender offered the bands with a small domestic palinka. It was funny because they never drank it and it was very strong to them. They did not know the technique of how to drink it.
The next band was Beneath My Sins, who gave a pleasant, but very hard symphonic metal concert. They were doing their best, as if they were on a big concert.
After the concert Emma asked how good the party was? I said it was great and I felt myself very good.
Then we started to drank again and came the surprise.
Emma invited me to a beer. She did not drink any more than she said, because he knew she will be the driver after the show.
I was very pleased and thankfully thanked the invitation.
After that Pokerface gave a really crunchy concert, which featured songs from their latest album, as well as the two Arch Enemy songs (You Will You Know My Name, The World Is Yours), from which Alexandra has told already in the interview.
Then came an another round of palinka, then the guys got me with them.
After that, I went into the Backstage to my stuff and thanked to everyone.
The girls, all of them, embraced me and they were very grateful for the interview and everything and hope they will see me again as I hope to see them again.
Today, the small team is gigging in Győr.
Interviews are coming very soon!
S8 underground Club: District XIV. Budapest, Kerepesi street 26. In the front of the Puskás Ferenc Stadion Metro Station (Metro line M2's exit at Kerepesi street)
The videos from the show are available:
Photo galleries are available on the folowing links:
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Money market investments are not risk-free. Investments in government or corporate debt in emerging markets tend to involve higher risks than in developed countries. In this blog, we explain 40+ Investment Risks. The following risks may all be encountered:
Counterparty risk can be mitigated by careful selection and diversification of borrowers, and a high credit rating requirement. Because of its structure, an investment in a money market fund ensures greater diversification than a fiduciary deposit invested in a single bank.
b) Liquidity Risk
This risk essentially concerns only fixed-term fiduciary investments, as money market funds are very liquid. A fiduciary investment subject to 48 hours' notice is obviously very liquid also. Short maturity instruments limit this risk for investors.
Investors often think that quality money market instruments are risk-free, forgetting that they bear the risk of interest rate fluctuation, which can be significant.
Every time a fiduciary deposit is renewed, there is a risk it will be reinvested at a different interest rate, which may be lower than the previous rate. We are referring here to short-term rates, i.e., under 12 months.
When interest rates are rising, short-term fiduciary deposits are preferable as they are quick to take advantage of any new rate rises, unlike money market funds that are slow to adjust to new rates.
Conversely, when rates are falling or expected to fall, it is best to make a longer-term fiduciary deposit, and then to favor money market funds. These are less sensitive to falling interest rates, integrating rate changes more slowly than fiduciary investments.
Money market funds are invested in instruments with a longer maturity (though under 12 months), meaning they can benefit from rates that have been fixed for a longer period.
As previously mentioned, returns offered by money market investments usually only just cover inflation in the long term. Inflation can, therefore, reduce the future value of the investment.
This risk can be reduced by investing in other asset classes, with a view to diversification. The proportion of money market investments will obviously depend on the investor's risk profile. It will be larger for conservative portfolios and very low for more dynamic profiles.
When denominated in currencies other than the reference currency, fiduciary deposits or money market funds represent an additional risk, as the currency risk borne by investors can be significant.
Investors often hope to take advantage of a higher interest rate in a foreign currency, but frequently forget that the conversion of these funds into the reference currency can ultimately lead to a capital loss.
Exchange rate movements can, in fact, be very violent and affect investments. Therefore, large money market investments in a foreign currency should be avoided.
However, a need for liquidity in several currencies may justify money market investments in different currencies.
In other cases, investors can either limit themselves to fiduciary investments in their reference currency, or hedge against the negative effects of exchange rate fluctuations by using forward currency contracts, for example. This will be looked at in more detail later on.
Our Advice
Regarding money market investments, we recommend:
a) Default Risk Associated with Bonds
This risk relates to the quality of the borrower and its ability to meet its financial commitments, i.e., to pay coupons and/or repay the borrowed amount. The bankruptcy of the borrower results in the loss of all or part of the capital invested.
However, the position of creditors is preferable to that of shareholders. Regular bond debt is paid first, followed by "subordinated" debt, and only if there is anything left over will shareholders receive a liquidation dividend.
This risk can be mitigated by investing in high-quality debt, such as government bonds, favoring countries with solid finances. It is also possible to hedge against such a risk by buying CDSs (Credit Default Swaps).
For the payment of a premium, this derivative protects the holder against issuer default, such as bankruptcy or moratorium.
The event giving rise to payment must be clearly specified in the contract between the buyer and seller. The amount of the premium depends on the issuer's credit quality and its future development.
In this case, the default risk is transferred from the buyer to the seller of the CDS. "Trends in CDS prices are a suitable instrument for measuring the perception of risk on financial markets."
b) Risk Associated with the Type of Issue and Risk of Early Termination. The type of debt being issued also represents a risk for investors. Senior debt offers better protection than subordinated (junior) debt that may be assimilated to capital.
In case of bankruptcy, creditors of unsubordinated debt have priority over holders of a subordinated bond, who is only entitled to repayment of the debt once the other (priority) creditors have been repaid.
Stockholders only have a claim on the company's residual equity. Subordinated bonds, being callable, also carry the risk of early termination.
As we have seen, an embedded call option is a reinvestment risk for investors, who could be forced to reinvest at a lower rate. For this reason, the price of these bonds is lower than that of regular bonds.
It is difficult to hedge against these risks, apart from avoiding a certain type of issue and only considering regular, unsubordinated bonds.
Depending on the size of the loan and the levels of supply and demand, the price of an issue can be particularly sensitive to a lack of liquidity in the secondary market.
Therefore, investors may risk not being able to sell their bonds quickly or at a good price if demand is weak or if the spread (gap between the purchase price and the sale price) is significant.
Once again, it is difficult for investors to hedge against this risk, but an examination of the size of the issue and of prior market liquidity conditions for the type of bonds in question helps limit this risk.
In practice, an issue of over 500 million euros is generally considered to be adequately liquid. The spread also provides a good indication of liquidity.
A rating drop will negatively influence the price of bonds, because of the lower debt quality implied by the new rating. Investors can hedge against this risk through careful monitoring of a bond issue's rating. For example, comments made by rating agencies, such as "negative credit watch", must be taken into account.
Furthermore, it is worth noting that there are often constraints in management contracts that prohibit investments below BBB (investment grade level). Consequently, a credit rating downgrade—from BBB to BB for example—can trigger a rush to sell on the market, further precipitating the downward price movement.
Interest rate variations influence both fixed-rate bond prices and the reinvestment rate of coupons, but with the opposite effect. When rates drop, coupons are reinvested at a lower rate, whereas the price of the bond itself rises.
Conversely, when rates rise, coupons are reinvested at a higher rate, but the price of the bond falls.
Before buying a bond, investors need to find out its yield to maturity, which is a good estimation of the bond's annual return assuming that it is held to maturity and rates do not change.
If investors want to sell before maturity, they run the risk of having to sell at a loss if interest rates rise in the future. If they keep it, they have to accept price fluctuations. Therefore, the shorter the maturity, the lower the risk. However, exposure to price risk can be limited in several ways.
We can distinguish two main situations and determine the appropriate approach for each, taking into account the term structure of interest rates. "Exact" positioning in terms of maturity will depend on the expected evolution of the yield curve (flat, normal or inverted yield curve).
The environment of rising interest rates:
As stated earlier, when interest rates rise, bond prices fall. So, if this scenario is anticipated, it is better to buy short-term bonds which are less sensitive to interest rate variations due to their low duration. This will attenuate the drop in bond prices.
As soon as the rise is over and rates have stabilized, investors should switch to long-term bonds to lock in the higher returns and protect themselves against any future fall in interest rates.
Indeed, if rates subsequently drop, the price of these bonds will rise due to the greater appreciation of long-term bonds, which have a higher duration. However, coupons will be reinvested at a lower rate.
The environment of falling interest rates:
We have seen that when interest rates fall, bond prices rise. Long-term bonds are preferable when such a scenario is expected, as their higher duration means they are more sensitive to interest rate variations. This will improve the bond's price appreciation.
As soon as the fall is over and rates have stabilized, investors should switch to short-term bonds so as not to be locked in for too long a period in case of future rates rise.
Moreover, a subsequent rise in interest rates will result in a fall in bond prices, but short-term bonds will suffer less from this depreciation due to their lower duration.
Exposure to price risk can be further limited by using what is called a hedge ratio. Using the duration of a hedging instrument for long-term interest rates, it is possible to calculate the amount of the instrument needed to hedge a bond portfolio. A bond futures contract or an interest rate swap can then be used.
The duration of a bond is a weighted average of successive interim maturities and final redemption. In other words, it represents the time it will take investors to recover their initial investment, considering the bond's purchase price, the coupon, its maturity and, finally, interest rates.
A higher time to maturity, a lower coupon rate and a lower yield to maturity all mean a higher duration. Modified duration gives the sensitivity of the bond's price to interest rate movements.
The aim of this hedging strategy is to bring the portfolio's overall modified duration to zero, thereby protecting it against the influence of interest rate changes on prices.
For a given bond position with a precise modified duration, it is simply necessary to calculate the number of futures contracts to be sold11 to bring this modified duration to zero.
Therefore, if rates were to rise, the overall value of the portfolio would change very little if at all, as the decline in the bond's price would be compensated by the gain made on the sale of the futures contracts.
This strategy is valid in the short term, but in the long term, the hedge must be adjusted according to interest rate movements or the change in modified duration, not to mention the cost of the hedge.
A strategy adapted to the context of interest rate trends reduces this risk substantially. Investors can also make use of "caps" or "floors", which allow them to hedge against rates increases or decreases respectively.
When interest rates are expected to rise, investors can buy a "cap" (interest rate call option) to hedge against rates rising above a certain level (strike price). If this threshold is passed, the buyer receives an amount corresponding to the difference between the observed rate and the strike price.
This protection is often offered in conjunction with floating mortgage rates, where the borrower benefits from falls in interest rates but risks having to suffer higher interest rates in the future.
Where a decline in interest rates is expected, a "floor" (interest rate put option) may be used, giving protection when interest rates fall below a certain level.
The holder of floating-rate debt securities who uses a "floor" will be paid an amount corresponding to the difference between the strike price (precisely defined level) and the observed rate at the moment of coupon payment.
In order to hedge against both price risk and reinvestment risk—"immunizing" against these two opposite effects—a so-called immunization strategy can be adapted to compensate for each.
While a hedging strategy aims to eliminate price sensitivity by selling a certain number of derivatives to bring the duration to zero, immunization aims to immunize the expected return for a given period against interest rate fluctuations.
Of course, there is an investment that guarantees a predetermined expected return for a given period: the zero-coupon bond. Most bonds do pay coupons, however, meaning that they are exposed to reinvestment risk.
To set up this strategy, a bond should be chosen whose duration corresponds to the investor's time horizon, in order to protect the underlying bond against any fluctuation until the next coupon date.
Consequently, the portfolio must be reconfigured just after the coupon date, so that the portfolio duration is kept in line with the residual time horizon. Depending on the case, one effect may outweigh the other slightly.
It is important to note that immunization is based on duration, and relies on the (strong) assumption of the parallel shift in the term structure of interest rates.
In other words, this means that short- and long-term rates should develop in parallel, but this is not always the case in practice. It is, therefore, more effective on long-term strategies, as short-term rates are more volatile.
The complex implementation of this strategy is reserved for professionals and, like all hedging strategies, it generates an additional cost for investors.
This risk is obviously linked to the risk of interest rate fluctuation that we have just discussed, as an interest rate rise to contain inflation has a negative impact on bond prices.
It is possible to hedge against this risk using inflation-indexed bonds. However, investors must be conscious of the reduced liquidity of this type of bond on the market.
Furthermore, as with money market investments, returns from debt investments may sometimes only just cover inflation in the long term. This risk can be reduced by considering other asset classes.
In the case of investments in a foreign currency, i.e., a currency other than the reference currency, exchange rate fluctuations can have a significant impact on the final return.
For a foreign currency investment without foreign exchange risk hedging, the return will be divided into two parts: the gain or loss on the investment itself, and the gain or loss on the exchange rate between the reference currency and the investment currency.
When the currency risk is eliminated, returns will be made up solely of the gain or loss on the investment, minus the cost of the hedge. During some periods, a portfolio hedged against currency risk can outperform one that lets foreign currency fluctuate, but in other periods, the opposite may be true.
As such, is it worth hedging against currency risk, or should exchange rate fluctuations simply be endured?
In general, the answer to this question depends firstly on the weight that the foreign currency position represents in the portfolio. If it is very low (a few percents), it may be justified not to hedge, as the impact on the overall portfolio is negligible. However, if the position is significant (20% or 30%), the question is worth asking.
It is difficult for investors to hedge against the various risks involved with emerging markets. Nonetheless, they must be conscious of these risks, and the specific context of a company established there and of the developing country in question must be analyzed in advance.
Political risk
A government's lack of political experience, or the instability of the political system, leads to an increased risk of rapid and intense political and economic upheaval. This risk is obviously greater in emerging countries.
Economic risk
The economy of an emerging market is more reactive to fluctuations in interest rates and inflation than that of a developed country—it is also more exposed to them. A given event can, therefore, have much stronger repercussions.
Furthermore, emerging markets often have a weaker financial base. Finally, their financial markets do not have adequate structure and monitoring systems. As the assessments are different and ratings non-existent, it is much more difficult to assess credit risks.
Credit risk
Investments in government or corporate debt in emerging markets tend to involve higher risks than in developed countries, because of lesser creditworthiness, high public debt, debt conversions, a lack of market transparency or a lack of information.
The currencies of emerging markets undergo stronger and more unpredictable fluctuations than the currencies of developed countries. Some countries have introduced foreign exchange controls, others are likely to do so at any time, or may abandon their indexation to a reference currency.
For example, many export-focused Asian countries use the US dollar for their transactions. These countries have indexed their currencies on the USD to avoid excess exposure to exchange rate movements. However, countries have an increasing tendency to dismantle this system.
Due to strong price fluctuations and an underdeveloped financial market, the central banks of emerging countries can have difficulty meeting their inflation targets. Inflation may, therefore, fluctuate more than in developed countries.
Market risk
In emerging countries, monitoring of financial markets is faltering if not inexistent, and so regulation, market transparency, liquidity, and efficiency are all lacking. In addition, these markets often display major volatility and significant price differences. Weak regulation accentuates the risk of price manipulation and insider trading.
An asset's liquidity depends on supply and demand. However, the social, economic and political developments, as well as the natural disasters that emerging countries experience, can influence the supply and demand mechanism more quickly and enduringly.
The absence or lack of monitoring of financial markets can result in investors being unable to have their legal rights respected, or only with difficulty. An inexperienced justice system can lead to major legal insecurity.
Furthermore, requirements aimed at protecting the rights of shareholders or creditors are often insufficient, if they exist at all.
Clearing and settlement systems often vary from one market to another. Often obsolete, they are a source of processing errors, as well as of considerable delays in delivery and execution. Not to mention that some emerging markets do not have these systems.
In regard to bonds, we recommend:
For investing in stocks, we recommend:
The main risk associated with the issue of structured products is counterparty risk, which depends specifically on the creditworthiness of the issuer. The other risks are related to the components of the structured product and to the movement of the underlying assets.
The bank Wegelin & Cie offers an interesting approach: to decompose the structured product, by separating "the complicated financial instruments and reducing them to a few basic components".
This approach also has the advantage of separating the so-called "nominal" part from the real part, which constitutes the real exposure to the underlying asset.
For example, by decomposing a capital guaranteed product, we arrive at two components: the bond part (zero-coupon) that provides a capital guarantee at maturity and the options part that makes it possible to profit from a rising market.
Besides counterparty risk, investors are exposed to the risks associated with investing in a zero-coupon bond (essentially default risk) and the risks associated with the movement of the underlying asset, with losses being limited at maturity, however, thanks to the particular construction of this product.
Even so, as part of this capital guaranteed product, if the underlying undergoes a strong decline compared to the initial strike price, the option is likely to become almost worthless, and its delta will fall.
In the event of a market recovery, the extent of the rise will not match the market rebound due to the option's low delta. Moreover, the method used to calculate returns (quarterly, over the last six months, etc.) may also affect the product's final performance.
So using options has its own particularities. The exercise price, the interest rate level and the volatility of the underlying will all affect the price movement of the option and, consequently, that of the product. The reader should refer to the Swiss Derivative Guide 2010, which covers structured products and the use of options in great detail.
For structured products, some of which can be very attractive, we particularly recommend:
favoring quality issuers in order to minimize counterparty risk;
closely examining the product's terms of issue (protection, participation, a method of calculating returns, etc.). They must be attractive enough to justify allocating capital; favoring short-term products. At this stage, it will be useful to spend a moment looking at how options work.
Tin is mainly used as a protective layer or alloyed with other metals. It is found in containers, receptacles, electronics, and transport.
As we have already noted, the price of commodities depends on fluctuations in supply and demand over time, which vary according to the economic climate and economic cycles.
The presence of speculators also puts pressure on prices. In our opinion, demand generally has a greater stimulating effect on prices than supply, as to a certain extent supply has to adapt itself to demand.
The price of oil, for instance, is influenced more strongly by demand than supply; however, it is also worth following OPEC (Organisation of the Petroleum Exporting Countries) meetings, which set production quotas—and therefore supply—specifically according to demand.
Member countries may decide, as was the case at their meeting on 10 March 2010, to maintain quotas when supply is sufficient to satisfy demand.
In terms of precious metals and gold, in particular, the influence of central banks must be reiterated, as they buy and sell gold according to their desired level of reserves.
It is difficult for investors to hedge against this risk, but it can be limited by undertaking a comprehensive analysis of the market being considered in order only to invest at opportune (favorable) moments and avoid investing when conditions are difficult.
The climate and natural disasters also have an influence on prices. However, weather conditions mainly affect supply. A good (abundant) harvest has the effect of lowering prices, whereas a bad harvest pushes prices up to compensate for the small quantities produced. This risk is less significant for precious metals.
Producers usually protect themselves against this type of event by using insurance or futures contracts. It is difficult for investors to hedge against this risk, but it can be mitigated by a comprehensive analysis of the relevant market, which takes into account prevailing weather conditions that will affect the market.
When conditions of supply or demand become exaggerated, governments reserve the right to intervene in these markets in order to rebalance them by setting quotas or restrictions. The objective is to maintain or return to a fair equilibrium price. This risk exists mainly for commodities.
Once again, it is difficult for investors to hedge against this type of risk, which should really be considered as characteristic of the commodities market (essentially for agricultural products) and constantly borne in mind.
The price of commodity futures changes mainly according to interest rate movements, but it also depends on variations in storage costs and in the convenience yield, which is linked to stock levels and their seasonal fluctuations.
Depending on the case, holding the commodities themselves (i.e., immediate availability) does confer advantages that holders of futures contracts do not have.
For example, in the case of heating oil in winter, the spot holder (who buys today for immediate delivery) has an immediate advantage over futures holders, implying, in this case, a high convenience yield that creates a situation of backwardation. This convenience yield is lower in summer.
e) Risk Associated with Exchange Rate Fluctuations
"A rising U.S. dollar normally has a depressing effect on most commodity prices. In other words, a rising dollar is normally considered to be noninflationary.
One of the commodities most affected by the dollar is the gold market, the prices of gold and the U.S. dollar usually trend in opposite directions." Nonetheless, there are observable instances of gold and the dollar both rising in tandem, perhaps indicating that this relation is waning.
"Commodity prices are considered to be leading indicators of inflationary trends. As a result, commodity prices usually trend in the opposite direction of bond prices." So the dollar influences commodities, which in turn influence bonds, which finally influence stocks.
In a situation of normal backwardation, futures prices are lower than the spot price (cash price), and they decrease over time. In this case, the market demands a premium, so to speak, for short-term availability.
Conversely, in a so-called contango situation, futures prices are higher than the spot price, and they are therefore rising over time. In 2009, the structure of the oil futures price curve clearly showed a contango situation (upward sloping).
As we said to begin with, futures contracts are the main instrument for investing in this asset class. Depending on the economic situation and on supply and demand levels, one or other of these two situations may present itself and it is very important for investors to position themselves correctly. Poor positioning is an investment risk.
During backwardation, it is better to buy futures contracts, while during contango, buying at the spot is preferable to buying futures. But this is not always possible in practice, especially for consumable commodities where the use of futures contracts is necessary.
Therefore, with futures contracts, "rollover gains are made when a forward curve is in backwardation, as the expired contract can be replaced by a more advantageous contract. On the other hand, when a commodity market is in contango, rollover losses are inevitable."
Indeed, in the first case, again is made because a new, cheaper contract can be bought, whereas in the second case, a new contract must be bought at a higher price than the futures contract that has just been sold, thus generating a loss
When investing in energy and precious or industrial metals, we recommend:
a) Liquidity Risk
A private equity investment usually has very low liquidity due mainly to the existence of lock-up periods, which prevent investors from exiting before a certain date. This risk cannot be avoided. In fact, lack of liquidity is more a characteristic of this type of investment than a risk.
b) Risk Associated with Unlisted Investments
As private equity is not publicly traded, valuation of the investment over time is difficult. Investment in listed private equity funds helps limit exposure to this risk, but as in practice there are very few of these, we tend to consider this risk as one of the characteristics of this investment.
c) Risk Associated with Limited Regulation and a Lack of Transparency
The absence of an organized, regulated market specifically allows this type of investment to be conducted within a less regulated framework, which is also less stringent in terms of transparency.
Investors can reduce this risk by requiring that the manager invest where there are stronger regulations, which depend on the country, and that they provide greater transparency about their investments.
When investing in venture capital, future prospects are uncertain and the ultimate risk of bankruptcy is obviously more pronounced. Investors can lose practically everything.
It is difficult for investors to hedge against this type of risk, even when using financial instruments such as puts or futures. In our view, the best possible hedge for investors who can't manage this risk is simply to avoid this type of investment altogether.
Private equity typically implies a large concentration of investments in order to allocate considerable initial resources to projects in the development stage, when financing needs are high.
Although it is a characteristic of this type of investment, this approach does, therefore, suffer from a lack of diversification. Diversification into other asset classes, and investing in private equity to a limited extent (a small exposure in the portfolio), will help limit this risk.
f) Leverage Risk
The use of debt is one of the characteristics of private equity and exposes investors to additional financial risk due to leverage, i.e., using debt to increase the investment's profitability.
The borrowed capital must, therefore, generate an additional profit relative to the risk taken. If the risk pays off, gains will be multiplied but, conversely, the same goes for losses. In our view, it is difficult for investors to hedge against this risk.
As with any investment in a currency other than the reference currency, investors are exposed to currency risk. Please refer to the previous discussion on this point.
h) Risk Associated with the Human Factor
Finally, in young companies where the personalities of executives in key positions play an essential role, any change in the team can have extremely negative repercussions on private equity investments.
Private equity is, therefore, a highly speculative investment, and should be considered the riskiest asset class. It may only be suggested to a limited number of investors.
In conclusion, although private equity can be considered an asset class, the activity of venture capital is highly specific and should only be included in a portfolio with the utmost caution.
The frequent lack of listing, the high degree of risk, and the lack of transparency are all issues which must be of paramount concern to investors.
If investors wish to include private equity in their assets, we recommend deciding on the amount to invest, then delegating management to professionals.
Such an investment is somewhat similar to the activity of a business angel or venture capitalist keen to invest actively, i.e., with significant participation in both capital and decision-making. Indirect investment is an alternative, but the choice of fund and manager is paramount.


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What is Sebaceous Hyperplasia?
Sebaceous hyperplasia is a benign small bump which forms on the skin which are either skin coloured or may have a slight pink tinge to it. These bumps usually occur from damage to the skin, which then leads to the sebaceous gland of the body to overproduce a certain chemical, known as Sebum. The glands can also be damaged and may become too big or blocked. This then in turn creates bumps that may be sort of hard, with the colour of white or yellow on the surface.
The bumps can be either spread out or can form together in cluster. The common areas of appearance on the body are the forehead, temples, and the middle of the face. This makes them particularly unappealing due to their very visible nature, and can affect one's self-confidence.
Cause of Sebaceous Hyperplasia
One of the big causes of this issue is a frequent and often harmful exposure to sunlight. The sunlight can damage the skin and the glands; therefore it is essential to use an appropriate protecting mechanism such as a sunscreen, or to avoid the sun as much as possible, should one wish to avoid this issue.
Sebaceous Hyperplasia Treatment
There are many treatment options available for sebaceous hyperplasia. This includes laser treatment, which can work on a removal of these unwelcome visitors. It is something one may wish to explore should they wish to remove sebaceous hyperplasia. In addition, they are many homeopathic remedies/ creams which can be used, but they tend to not be as effective as a form of treatment which directly attacks the bumps.
If one is suffering from these issues, you may wish to seek help locally, by visiting your doctor or a dermatologist. Should you not succeed in seeking help locally and wish a more tailored approach, then why not contact us here at Renew Skin & Health Clinic? We are located on 18 Guy Street in Leamington Spa, CV32 4RT. We can arrange to book you in for a consultation and discuss which treatment may be the most appropriate for you. You can also contact us on 01926 422 454, to book in your consultation, and our lines are open from 9AM – 9PM. Please be aware that there will be consultation fees of £100.00, and during the consultation, we will discuss the costs of the treatment for your specific, individual case.
Sebaceous Hyperplasia patch test
After the consultation, our specialist doctor will give you a patch test, which will be done with two or three different devices, in order to see the effectiveness of each. We will then allow this to heal completely. 6 weeks later we shall review the situation, and you will then know which form of treatment will be the best in your individual case, and further treatment will then be geared according to the patch test results.
[ux_video url="https://www.youtube.com/watch?v=zANN9dGw68M"]


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Book Video Trailer: Final Vector by Allan Leverone
Final Vector
By Allan Leverone
Release Date: February 2011
Publisher: Medallion Press
Air traffic controller Nick Jensen's life is in a shambles. His wife Lisa has died following a horrific automobile wreck and the authorities suspect foul play. He finds evidence suggesting Lisa, a Pentagon auditor, had discovered potentially treasonous material on a fellow employee's computer, a man who also winds up dead.
Desperate to escape the pain, Nick throws himself into his work and is on duty at the radar ATC facility serving Boston's Logan Airport on the night U.S. President Robert Cartwright is scheduled to fly into Boston. Armed terrorists storm the facility, killing the security staff and taking Nick's fellow controller hostage as he works.
Nick escapes capture, but with time running out, must use the information from his murdered wife to unravel the terrorists' plot and stop an assassination while outnumbered, unarmed and on the run…
Book Video Trailer: Angel Lost by F.M. Meredith
Angel Lost
By F.M. Meredith
Release Date: March 2011
Publisher: Dark Oak Mysteries
As plans for her perfect wedding fill her mind, Officer Stacey Wilbur is sent out to trap a flasher, the new hire realizes Rocky Bluff P.D. is not the answer to his problems, Abel Navarro's can't concentrate on the job because of worry about his mother, Officer Gordon Butler has his usual upsets, the sudden appearance of an angel in the window of a furniture store captures everyone's imagination and causes problems for RBPD, and then the worst possible happens—will Stacey and Doug's wedding take place?
F.M. Meredith, also known as Marilyn Meredith, is the author of nearly thirty published novels. Her latest in the Rocky Bluff P.D. crime series, from Oak Tree Press, is Angel Lost. Marilyn is a member of EPIC, Four chapters of Sisters in Crime, including the Internet chapter, Mystery Writers of America, and on the board of the Public Safety Writers of America. Visit her at http://fictionforyou.com and her blog at http://marilymeredith.blogspot.com


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We all do things to destress. Some of them are common — like getting more sleep or taking a bath. Others are unique to each of us.
I use coping skills to manage my bipolar disorder, specifically my depressive episodes. I try to find things that comfort or distract me in the harder moments. Coping skills are also good for preventing an episode from getting worse.
Truthfully, coping can be annoying. When you struggle with mental illness, it can feel like you're just coping through life because you have no other choice. I experience this, but I also know that eventually, I won't need something to help me "cope" from moment to moment.
These three coping skills are activities I also enjoy when I'm not in need of a way to cope. If we look at things we enjoy, they can become coping mechanisms for when we struggle.
Here are three ways I cope that might seem weird to others:
I sleep on an air mattress.
I don't know why people knock air mattresses. Have you ever slept on a really good air mattress? Heck. I even love the cheap ones that gently swallow you throughout the night as air lets out.
I don't sleep on one often, but I do have one just in case. College friends recently visited, and I stopped one of them from deflating it before they left. I used it for about a week before I realized my back needed the relief of a real bed.
There's something about blowing up an air mattress in my living room to watch movies that brings me back to childhood. It's comforting and it's comfortable — for a while.
I also find changing my environment, even if it's just sleeping in my living room instead of my bedroom, helps with late-night restlessness. I often wake up in the middle of the night and move to my couch. If I don't, I'll spend hours tossing and turning in my bed.
Sometimes coping mechanisms are finding comfort and joy in small things — like sleeping on an air mattress instead of your perfectly good bed.
I take a cold shower.
I can't take credit for this one because I learned about it in therapy. I use this one multiple times a week. It helps with everything from stress to anxiety and near-crisis moments.
Changing your body's temperature sort of "resets" your body and mind. If I find that my head is spinning with negative thoughts, a cold shower brings me back to the present. If I can't stop crying or calm down, the temperature helps my body do what my brain can't.
I also live in Florida, so hot showers rarely sound appealing. What I usually do is put the shower on warm to bathe, and then turn it to cold. The initial shock is the same as if I were to jump into a pool. I focus on the sensation on my skin, and when I get out, I feel energized but calmer.
I look at real estate in other cities.
Anyone who knows me knows I. Do. Not. Like. Florida. I can't really change where I live at the moment, but I can think about where I'd like to be.
Right now, I look at houses in Seattle. Buying a house in Seattle is a pipe dream because I'm a "millennial" (and apparently we don't buy houses) and also because housing prices there are astronomical (which is why millennials don't buy houses).
I grew up moving a lot, but I always enjoyed searching for a new house with my parents. Also, I watched a lot of HGTV with my mom growing up, so yes, I enjoy jumping on Zillow and looking at the craftsman houses in Seattle.
I've put in work to figure out what helps me with my mental illness. While some things may seem weird, they work for now. That's all that matters.


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This years Big Meet will be held over the weekend of my birthday and just by chance, the usual date of the Stafford Classic Bike Show, if you havnt got it from the title its:
April 22/23/24
The venue:
This is a trial year for us as we have been kicked out of the greedy turncoat Stafford show as every year we have used new spaces they havnt used before, so each time they see the cash they can make by 'selling' it. Makes business sense I guess. Bastads, anyway....so this year our former fabulous organiser Stackermel is back in the field and has taken on the job. This time we get to tie all the best bits of options together.
We are renting a rally field out the back of a pub in Knighton, Staffordshire. Its a little rough but all we need is a field and you lot:
We will hold this field from the friday morning to the sunday afternoon.
On saturday there will 3 main options:
1. Ride to the Wall - a rideout arranged by one of our own, to the National Memorial Arboretum. appx 35 mins away.
2. Ride to the Classic Bike show - this will also have an arranged schedule. appx 55 mins away.
3. Hang out in the field and fettle, chill, whatever.
I expect Minter will be hosting some fabulous 'how to' tutorials which can be scheduled in, let him know if there is anything specific you want to see and whichever are the most common can get laid on Im sure (although I havnt checked with him yet!).
Details of prices etc will come in good time.
Croxall Road Alrewas Staffordshire DE13 7AR
This is an info only post and cannot be replid to.
For discussion on the Big Meet, see the discussion thread in this same area
BRING CASH - our shop will be there
Big Meet 2016 - April 22/23/24 Details: (info only)
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HD MT604e MTourer project
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Tennis & Pickleball
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The Wedgewood Event staff will assist you in personalizing every detail and find the perfect arrangement for your next event.
The finest facilities, exclusively at Wedgewood.
Gathering Room
Treat your guests to the classical charm of our Gathering Room. Enjoy the warmth of our fireplace and incredible views of our award winning championship golf course. This inviting space is ideal for hosting intimate engagement parties, rehearsal dinners or bridal showers. This versatile 864 square foot private room can host a cocktail reception for 60 as well as seat 50 dinner guests comfortably. Experience the legendary events that are exclusively Wedgewood.
Executive Room
This brand new space features wireless technology, food and beverage capabilities, and a professional look and feel, perfect for hosting corporate meetings and luncheons, conferences, team seminars, or even private dinners and lunches.
Celebration Garden
An intimate setting for the outdoor wedding ceremony you have been dreaming of, or a cocktail party under the stars. You will feel transported to a hillside oasis with vibrant blossoms, whimsical landscaping and stunning views of our lush championship golf course. This is truly the most elegant and unique outdoor location for events ranging from weddings and formal dinners to awards ceremonies and charity balls in Central Ohio!
Grand Ballroom
Our beautiful, modern Grand Ballroom with floor-to-ceiling windows and stunning views of our championship golf course can accomodate over 300 of your guests. The overall design reflects the storied history of Wedgewood Golf & Country Club, but with a modern flare that will appeal to event planners and party goers alike!


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Intros are to TV shows as facebook pages are to people. Although looks can be deceiving, someone's facebook profile and a show's intro can give you a lot of information about them. For example, I started watching the first episode of True Blood, but stopped after a minute because the intro was too gruesome for me. A show's intro is like its business card. And here are some of my favorite ones.
The West Wing
I love The West Wing. I wish I'd never seen it so I could watch it again for the very first time. I wish I'd never seen it so I would stop holding every other TV show to impossible standards. I love it so much that, like a Pavlovian reaction, the theme fills me with nostalgia and glee and sadness and every other kind of emotion a great TV show gives you, put together in an overwhelming mix. Additional fun fact: the theme's composer is hilariously named W.G. Snuffy Walden.
If ever a TV show's into was a work of art in its own right, this would be it. I have never seen an intro that reflects the core themes of the show so brilliantly, subtle and sure and elegant and simple. Of course, Dexter is a serial killer, and Dexter, the show, is about that serial killer. But Dexter is also about masking your true identity, as every serial killer must, and about the gritty life of a Miami blood-spatter analyst and the domestic life of young man, his girlfriend and her kids.
The intro captures all of that. Its music is creepy in a relaxed way, and its montage and cinematography manage to emphasize the horrendous aspects of everyday life. Shaving suddenly looks life-threatening. A blood orange becomes human flesh, a splash of tabasco sauce becomes a spray of blood and the casual walk out the door becomes the approach of a predator. I never thought Michael C. Hall was sexy until he pulls on his shirt (01:35 in the video.) I don't know why that movement gets to me, but it does.
Doctor Who
I mostly love the Doctor Who intro for its iconic status: it is a tune that unites families across generations, one that has filled TV rooms with joy and excitement for over fifty years. And it's so fun to hum along to!
Gilmore Girls
Let me be real with you for a second: the first time I saw the Gilmore Girls into I considered it more than a little cheesy. Carol King, really? The whole sequence overlaid with autumnal hues, are you serious? But over time it grew on me. I started singing along. I started really feeling it. When I heard Where You Lead, it reminded me of the unwavering way in which my mother has always supported me. I also became increasingly invested in the characters, and found myself rooting for Jared Padalecki's adorable face every time, because I wanted my episodes to have more Dean. Now I absolutely love this intro, and if you don't, fight me!
This one is a bit of a cheat because I don't actually like Friends all that much. (Everyone gasps in horror, mothers cover their children's ears, one woman comes forward, overcome by emotion, and whispers: "How could you?") But it's true. I think Friends is a little cheesy and at least half of the characters are genuinely annoying *cough* Ross *cough* and Chandler being sarcastic and self-depracating doesn't make up for it.
If there is one thing I do love about Friends, it is the theme song: I'll Be There For You by The Rembrandts. And the opening sequence where they dance around the fountain is pretty fun. Luckily for me and my fellow Potter-lovers, the intro of Friends has inspired many a fan video such as the one below. Come cry with me over the tragic fate of the Marauders.
Game Of Thrones
I recently attended a lecture about Game Of Thrones by Dan Hassler-Forest, Doctor of Media & Performance Studies at the University of Utrecht. He talked with comic artist Game Of Thrones about bringing Westeros to life on television, and one of the aspects they emphasized during the afternoon was the importance of world building..The Seven Kingdoms, the different cultures and climates and peoples they house, create the show. In large part, Game Of Thrones owes it success to the meticulous detail George R. R. Martin paid to shaping his fictional world.
The reason I love the GoT intro is that it gives us a detailed yet brief overview of that world, highlighting different areas as they come into play in the political conflict. It's an excellent way connecting the maps in the books to the visual of television.


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Preface by Thomas Clarkson. Bury St. Edmund. Gedge and Barker for Longman, Hurst, Rees, Orme and Brown. London. 1811. pp. 2, 4 of adverts, xvi, 296. 8vo. Original boards and paper spine. Hinges cracking, spine cracking and worn at top and bottom, but all holding firm. Uncut. Alphabetical listing by village.
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With last fall's U.S. Congress elections, the Barack Obama 'era' has entered its final phase. Shortly before coming to power, the new U.S. president had sparked a massive uproar when he proclaimed a new 'Pacific century.' Since then, roughly two years before the end of his term in office, we can see more clearly. First and foremost, the proclamation of an allegedly new orientation towards the Pacific served the purpose to put Europe, and particularly Germany, under pressure so that they fill the allegedly emerging security gap.[1] In reality, however, it is not the Pacific that forms the epicenter of U.S. geostrategic interests, neither – despite the Crimea crisis – is it the 'old (European) world,' but it is still the Middle East. For the latter's fate defines whether American hegemony stands or falls.
The dollar as leverage
The military as instrument
A world without order and chaos as opportunity - for the U.S.
The old military-industrial complex
The alternative: The global energy transition and the diversification of reserve currencies


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Posted by Jade Locke on 18th May 2018
I recently began adding photos online of this new dress. I absolutely love how it turned out. I added a hint of color to the textured velvet corset with purple orchids. Lace and a touch of sequins help create more texture under the flowers on the custom corset. The black and purple ombre tulle skirt is very full and fun. Together it creates a beautiful dark fairytale goth look.
From this dress design I am creating new pleated shrugs and corsage bracelet cuffs from the scrap fabrics and flowers that are left over from custom wedding dresses. Some are ready to ship. I will continue adding these accessories in 2018. I plan to create accessories centered around each new design as it is released.
It seems that almost every bride I have met this year has ordered a purple gown. I love purple, there are so many lovely shades of purple, they almost always look beautiful next to each other. The wonderful part about custom making gowns is that you never seem to get bored. One bride wants a fantasy purple gown while [...]


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Rob Kilduff
Rob has been in the turfgrass industry for the last 14 years. He started out by doing an 11 month FAS course in Naas Golf Club and staying there for the next 7 years. During this time doing the Vetec level 6 in turfgrass management. He then moved to Beech Park Golf Club in Rathcoole as the assistant course manager for 4 years before returning to Naas for another 2 years. In January of 2015, he took up a role with G.C.M.S. as the assistant superintendent of Knockanally Golf Club. After spending 9 months there he was promoted to the course superintendent of Cill Dara Golf Club. In March 2018 Rob took over as Course Superintendent at Elmgreen Club.


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When Alesis came out with its first IO2 USB audio interface a couple of years ago, it did indeed find favor with recording musicians everywhere. But there was one area of complaint that they had.
It was to do with how the drivers that the unit came with seemed buggy and difficult to work with. Alesis certainly seems to have addressed all those driver concerns now with the latest iteration of the device – the Alesis IO2Express.
So what exactly is the Alesis IO2 Express? It's a compact palm-sized studio in a box that runs entirely on bus power. You'll never need to find room on your power strip to plug this one in. The all-plastic construction could conceivably disappoint users who really hope for high build quality. You'll find no metal on the IO2 Express at all, save for the jacks when you plug stuff into.
Everything else is really flimsy plastic. But this is something that's going to sit in your studio or perhaps in your gig bag, and be well protected. Whatever it's supposed to do – which is to act as a hub for your computer music studio – it does really well. Plug it into a Windows or a Mac computer, and you'll find that it's recognized right away.
There are a few caveats to using the AlesisIO2 Express successfully under Linux though, seeing that Alesis has chosen to design this device using the 24-bit audio format. But there are always workarounds. Linux users might find more success with the Alesis IO2 instead.
For a unit as tiny as this one, most people would be surprised to find that it includes MIDI I/O as well – in standard DIN format. As for the audio, this is a two-channel device with great high-quality mic preamps and 48 V phantom power. You can plug-in microphones, line level sources and even a guitar. For sound levels, you'll find that the three-segment monitoring lights serve you really well.
Most people considering the I/O2 Express wonder for a while about why it only costs $99 to buy. Could it be a really low-quality device, they wonder. That's not really fair. Alesis really has done its homework on this. Even more expensive units such as the M-Audio Fast Track aren't as quiet as this little baby.
You'll notice and appreciate how precise the gain pots are for the microphones, and you'll find that the audio acceleration is spectacular – in most major DAWs,, you'll find that the latency is sub-10ms. Guitarists will appreciate the ability they now have with this device to plug in two guitars at the same time.
Route the guitar through Native Instruments GuitarRig, and you find you can play great effects right there in your computer – you don't need an amplifier or anything. Certainly, you would appreciate it if the unit appeared to be constructed with better quality plastic or metal. But they certainly apply your money where it counts.


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5 Key Takeaways on the Road to Dominating Services
Tips for Selecting a good Conference Venue
It is important to find a good venue for your conference that you intend to hold for your clients since this is what makes many people feel confused when planning for one. There are many venues that you can hire to hold the conferences for your clients and this can be done when you identify the right one. In order for you to hire the best venue for such an event, you will be required to consider the following factors as they will ensure you make the right choice when it comes to getting the right venue for your clients.
There is need to ensure that you have planned on your budget to determine that the conference venue you get is worth and within your estimation as this will help you enjoy what you will get in the end. You will be required to be mindful of your clients and their interests when it comes to peace and that is why you need to look for a venue that is located in the most quiet place. It is important to look for a venue that is provided to you for these purposes at affordable rates as this will ensure you save your money and enjoy great services.
You need to ensure that you find a venue that will be easily accessible and one that is located in your place as this will ensure you can easily access with your clients without making them uncomfortable. It is important to minimize the costs of resources by looking for a venue that will provide you with additional services like catering services as this will determine what else will be required of you. In case you don't need to rush on the last minute, you will be required to look for a venue that will ensure you can book in advance for their services as this will help you plan well ahead of time.
In order to ensure that you are comfortable, you will be required to look for a venue that will provide enough space for all the guests that will be present. There are various benefits that you will enjoy when you get the best venue for your guests and that is what I will be discussing here. You are assured that a venue that has great and ample space, you will be comfortable knowing that your clients have been accommodated fully.
You can easily save your money when you hire a venue that is provided at affordable rates for your conference needs. You are assured that a good venue that is located in a serene place, will provide your clients with peace during the conference.
The 10 Best Resources For Venues


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The measure could pass by a razor-thin majority, but the votes are not locked down, Nona Parvanova, member of the Council of EuroISPA, told Bloomberg Law. "One thing is certain: all the interested stakeholders will be extremely active on this file until the very last minute before the vote," she said.
Source: Debate Rages Over EU Copyright Proposal Ahead of Vote


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Recent studies have shown that lowering blood pressure by exercise might significantly be affected when people use an antibacterial mouthwash.
Exercise is known to keep the blood pressure in check; however, it is dependent on the activity of bacteria in your mouth. The bacterium plays a vital role in maintaining your cardiovascular health, as shown by a team of international scientists, who claim, the blood-pressure lowering effect of exercise in majorly affected if you use an antibacterial mouthwash instead of water.
The study was published in the journal, Free Radical Biology and Medicine, by the University of Plymouth – in collaboration with the Centre of Genomic Regulation in Barcelona, Spain. According to the lead author, Dr. Raul Bescos, blood vessels dilate during exercise, leading to a lower blood pressure. The 'vasodilation' is caused by the production of nitric oxide – a byproduct of exercise.
Nitric oxide is then converted into nitrate which is absorbed in the salivary glands and excreted with the saliva. "Some species of bacteria in the mouth can use nitrate and convert into nitrite — a very important molecule that can enhance the production of nitric oxide in the body. And when nitrite in saliva is swallowed, part of this molecule is rapidly absorbed into the circulation and reduced back to nitric oxide. This helps to maintain a widening of blood vessels which leads to a sustained lowering of blood pressure after exercise".
The study involved 23 healthy adults, who were asked to run on a treadmill for 30 minutes and were then observed for 2 hours. The trial was repeated twice. They were asked to rinse their mouth with a liquid – antibacterial mouthwash or a placebo of mint-flavored water –30, 60 and 90 minutes after exercise.
The blood pressure was monitored, and blood and saliva samples were taken before and 120 minutes after exercise.
The study found that placebo caused a reduction in systolic blood pressure by -5.2mmHg at one hour after exercise. However, the participants who used antibacterial mouthwash, showed an average reduction of -2.0 mmHg.
The results also showed "blood pressure-lowering effect of exercise was diminished by more than 60% over the first hour of recovery, and totally abolished two hours after exercise when participants were given the antibacterial mouthwash."


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Zoom, FaceTime, Skype and other virtual video conference call mediums are essential for keeping us all connected during these trying times. From virtual classrooms, work meetings, weddings and happy hour, we are all suddenly the stars of the camera and the focus of our attention on our screens. Everyone wants to stay safe, be happy and look great but for some of us we are staring into the picture … [Read more...]
Holiday Ready Skin In Minutes
Tis the season to look Your Natural Best® with injectable dermal fillers neurotoxins, and other no-downtime treatments. At Chernoff Cosmetic Surgery, we offer all types of fillers, neurotoxins, collagen stimulators and more to add volume, plump, lift, blur, and reduce the signs of aging. Volume Loss & Static Lines Volume loss is an inevitable sign of aging, but injectable dermal fillers … [Read more...]
How Rhinoplasty Could Change Your Life
Rhinoplasty is one of the most popular cosmetic surgeries in the US. Thousands of people opt for this procedure every year – some for aesthetic purposes, others for functional reasons. The results are life-changing, and can help boost self-esteem, improve breathing issues and enhance the appearance of the individual. If you'd like to know more about how rhinoplasty works, why not request a virtual … [Read more...]
Everything You Need to Know about Volbella
Are you uncomfortable with the wrinkles on your lips or around your mouth? If you always dream of having sexy and fuller lips that look youthful and feel natural, we have the best solution for you. At Chernoff Cosmetic Surgery, we take pride in offering a one-of-a-kind Volbella® treatment in Indianapolis and Santa Rosa. Here are the things you need to know about this injectable: What Is … [Read more...]
Four Amazing Benefits of Liposuction
Do you have stubborn fat deposits that aren't responding to your healthy lifestyle and regular exercise? Excess fat as a result of aging, genetics and the effects of pregnancy can be very frustrating. This is why Dr. Gregory Chernoff and his team of highly experienced medical staff at Chernoff Cosmetic Surgery use advanced liposuction techniques to effectively improve your figure by safely … [Read more...]
Am I a Good Candidate for DOT Laser Therapy?
Have you heard about the wonders of DOT laser therapy? It's the latest non-invasive laser technology that works hard to rejuvenate and enhance the appearance of your skin. So, if you're looking for a skin care treatment that is quick, has no downtime, and requires short recovery time, then the DOT laser therapy might be the best treatment approach for you. Below is more information about this … [Read more...]
Frequently Asked Questions about Gender Change Surgery
If you don't feel comfortable with your gender, you can contact the medical team at Chernoff Cosmetic Surgery to undergo gender change surgery. Dr. Gregory Chernoff and his medical staff have decades of experience in gender reassignment surgery and a broad variety of cosmetic procedures that can help you reshape your physical appearance. Let's look at the most frequently asked questions about … [Read more...]
Should You Get a Facelift or a Mini Facelift?
When ages sneaks up on you, the face is commonly the first to show signs of it. A facelift (rhytidectomy) from Chernoff Cosmetic Surgery is a great way to rejuvenate your face and turn back the clock on wrinkles; give us a call today for more details. The question is whether you should opt for a mini facelift or a full facelift. It is important to understand the differences between the two options … [Read more...]
What a Laser Eyelid Lift Can Do for You
Are you pleased with your overall appearance but would love to add a little oomph to your overall look? Dr. Chernoff and his team at Chernoff Cosmetic Surgery are here to help you attain the look you want, even if you are not quite ready for surgery! A laser eyelid lift can help you to regain a more youthful appearance that is natural and subtle and will have people asking you when you got back … [Read more...]
Laser Therapies for Sun Spots and Sun Damage: Frequently Asked Questions
If you are exposed to ultraviolet (UV) rays for several hours, then you are likely to develop sun spots and sun damage. Usually appearing on the face, hands and arms, sun spots and sun damage can make you look older than you are. Fortunately, different laser therapies and treatments offered by Chernoff Cosmetic Surgery can help treat sun spots and leave your skin rejuvenated. In this article, our … [Read more...]


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3777B acrylic ester
It has the following characteristics:
· Improve the levelling and wetting properties of primer
· Prevent shrinkage cavity and skinning, with defoaming function
· Recommend to be used in baking coatings, alcohol acids, acrylic and poly esters, polyfluorine esters coatings, double-packed epoxy compounds and air-drying alcohol acid resins.
Appearance Colorless transparent liquid
Effective Section 70%
Solvent XYL
The product is recommended to be used in can/coil coating, wood coating, baked coating.
This product can be added during any of the processing, it is uniform dispersion after the mixture.
The recommended supplementation ratio(ratio of the gross ingredient) is 0.5-2%, please choose the best supplementation according to the different demands actually.
The product is packed by 25kg/plastic barrel, please store it in a cool and dry place. The storage period of the product is up to 12 months at least, since the delivery date. After it all, the product should be inspected before usage.
All the ingredients are complied with the regulations listed in the TSCA (USA) and the EINECS (EU), and all are safe and environmentally friendly, strictly hew to the latest regulations on environmental protection in Europe. For more information, please feel free to contact us-Longhai Chemical Co., Ltd.


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Search found 4 matches
Search found 4 matches • Page 1 of 1
- Fri Jan 11, 2019 3:09 pm
- Forum: Technical Discussion
- Topic: facing problem in wifi streaming after disconnecting from ide
- Replies: 2
- Views: 2591
facing problem in wifi streaming after disconnecting from ide
hello sir,i am running a neural network code with wifi streaming. But as we disconnect the openmv from the ide,It stops streaming video..when it is connected with the ide,Then it works properly in both frame buffer and over wifi.But as we disconnect openmv from ide,it stops streaming.i am attaching ...
- Wed Jan 09, 2019 5:56 am
- Forum: Project Discussion
- Topic: nn_cifar10
- Replies: 10
- Views: 12664
Re: nn_cifar10
Looks like the file is corrupted, the network is only 88KBs. Please download it again using this github link: https://github.com/openmv/openmv/blob/master/ml/cmsisnn/models/cifar10/cifar10.network?raw=true Copy the file to the camera, and make sure it's written (safe remove the disk). hello sir,Tha...
- Tue Jan 08, 2019 3:34 pm
- Forum: Project Discussion
- Topic: nn_cifar10
- Replies: 10
- Views: 12664
hello, i am trying the neural network code of cifar-10 which actually recognizes objects like cat,dog,vehicle etc. But i faced some bugs here.Which i am unable to solve..Please help me, i have attached the bugs and the code.
- Mon Dec 24, 2018 12:22 pm
- Forum: Technical Discussion
- Topic: Second SPI device while using LCD shield?
- Replies: 12
- Views: 4520
I need help in my project ..
hello, i am working on a project of face detection along with wifi streaming. Is it possible to transmit face detection over wifi? i mean ,i want to see the detected face over wifi. Is that possible,i am facing problems in the coding part while doing that.Please help. I need to complete it as soon a...
Search found 4 matches • Page 1 of 1


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blaze the/a trail(redirected from blaze (the/a) trail)
blaze the/a trail
1. Literally, to create a trail by clearing trees and vegetation or simply by marking trees. Does anyone know who blazed the trail through these woods back in the 18th century?
2. By extension, to be the first to do something, often that which is later emulated or built upon by others. I hope that the rest of my family will move to the West Coast if I blaze the trail and relocate there first. The forefathers of medicine blazed a trail for today's doctors.
blaze a trail
1. Lit. to make and mark a trail. The scout blazed a trail through the forest.
2. Fig. to do early or pioneering work that others will follow up on. Professor Williams blazed a trail in the study of physics.
blaze a trail
Find a new path or method; begin a new undertaking. For example, His research blazed a trail for new kinds of gene therapy. This expression was first used literally in the 18th century for the practice of marking a forest trail by making blazes, that is, marking trees with notches or chips in the bark. [Late 1800s]
blaze a trailor
blaze the trail
COMMON If someone blazes a trail or blazes the trail, they are the first person to do or discover something new and important, and this makes it easier for other people to do the same thing. With his first book Parker has blazed a new trail in American literature. The party is blazing the trail for the advancement of women in politics. Note: You can use trail-blazing to describe someone who does something new and important or to describe the thing that they do. Many companies are happy to follow in the shadow of a trail-blazing competitor. This trail-blazing study went into immense detail on the habits of pub-goers. Note: People or organizations who act like this can be called trail-blazers and what they do is called trail-blazing. They are trail-blazers who took on a man's world and made it theirs. Despite all his trail-blazing, he spent most of his life looking back to the works of Chaucer and Edmund Spenser. Note: New trails or routes through forests were often marked by `blazing', which involved making white marks called `blazes' on tree trunks, usually by chipping off a piece of bark.
blaze a trailbe the first to do something and so set an example for others to follow.
Blaze in this sense comes ultimately from an Old Norse noun meaning 'a white mark on a horse's face'. In its literal sense, blazing a trail refers to the practice of making white marks on trees by chipping off bits of their bark, thereby indicating your route to those who are following you.


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You have to wonder if America is heading for one of those really nasty periods of history:
There is a telling detail in the US retail chain store data for December. Stephen Lewis from Monument Securities points out that luxury outlets saw an 8.1pc rise from a year ago, but discount stores catering to America's poorer half rose just 1.2pc. Tiffany's, Nordstrom, and Saks Fifth Avenue are booming. Sales of Cadillac cars have jumped 35pc, while Porsche's US sales are up 29pc. Cartier and Louis Vuitton have helped boost the luxury goods stock index by almost 50pc since October. Yet Best Buy, Target, and Walmart have languished.
I haven't seen any recent Gini numbers, but the trend is pretty obvious.
Or maybe not? The number for more recent years show that despite a peak in 2006, the coefficient has levelled off at around 47. The value of YoY comparisons is never quite clear. Perhaps it's obvious that those with wealth are quicker to resume spending, while those without are more cautious, and continue paying down debt?
Suspect this will be one of my more ill considered posts.