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Drones FAQ
Frequently Asked Questions
Drones – What are they? (Click for more information)
Officially we are using Small Unmanned Aircraft (SUA), within an Unmanned Aerial System (UAS) as defined by the CAA. They are also widely known as UAVs (Unmanned Aerial Vehicles), but it is acceptable to use the commonly understood description of Drones.
They are remotely operated aircraft, the use of which are now in common usage by both private individuals, and commercial operators. Most have 4 rotors (quadcopter), but some have 6 (hexacopter) or 8 (octocopter), which provide greater stability, lift, and in-built redundancy.
What drones are NWP flying? (Click for more information)
We are currently flying two DJI Inspire 1 v2. In the future we hope to include other more capable and versatile craft.
What do they cost? (Click for more information)
They range in price from £20 to £200,000 and upwards. A good quality aircraft that uses GPS and autonomous technology can be obtained for a little as £500. Large film companies will use multi-rotor craft that can carry a heavy payload camera system. Our current Drones cost about £1500 for the basic model; however we require additional batteries and other equipment to ensure safety and to conduct commercial operations.
What imagery capability do they have? (Click for more information)
They can capture still and video images, up to 4k quality, although we would generally only capture in 1080p due to the limitations of processing the images. We also have a thermal imaging capability.
In the future we would hope to include a zoom capability also.
What will they be used for? (Click for more information)
- Assist with searches for missing people,
- assist with investigations into road traffic collisions,
- major crime incidents and Industrial Accident investigation.
- Assist with event planning and management.
- Provide situational awareness to officers and Commanders in a variety of policing situations.
They will not be used for general patrol/surveillance.
What weather can they fly in? (Click for more information)
This depends upon the type of drone. Our current drones cannot fly in wet weather due to the risk of a motor being damaged. Some more expensive drones can fly in wet weather and high wind, e.g. the Aeryon Skyranger flown by Sussex Police; however they cost £64k each.
How high can they fly? (Click for more information)
This depends on the drone. Most consumer drones e.g. the popular DJI Phantom 3 Standard have a range between 500-1000 meters, though bear in mind that in the UK the CAA guidelines say you shouldn't fly higher than 120m from ground level.
The Inspire 1 can technically reach an altitude of 4500m (that's 14,673 feet in old money!).
How long can they fly for? (Click for more information)
Again this depends on the drone. Ours will fly for approximately 19 minutes, wind and temperature dependent. Very cheap ones maybe only a few minutes, but some widely used models will stay up for 27-30 minutes.
With this in mind we have multiple batteries to extend the flying time, though obviously the drone has to come down to change the battery!
Can they fly at night? (Click for more information)
Yes they can, however flying in darkness carries far greater risk. Ideally for night flights the pilot will have had the opportunity to undertake a recce in daylight, however for dynamic deployments this might not be possible. Use of the thermal imaging camera is particularly useful at night, and most night flights will only use this camera.
What laws govern their use? (Click for more information)
The person in charge of a SUA must:
- Not allow anything to drop from the aircraft.
- Not fly, unless reasonably satisfied that the flight can be made safely.
- Maintain unaided visual contact to monitor the aircraft and avoid collisions (up to maximum to 500m horizontal and 400ft vertical distance from the pilot).
- Not fly within 50m of any person, vehicle or property not under the control of the pilot (except during take-off or landing when this distance is reduced to 30m).
- Not fly over or within 150m of a congested area.
- Not fly over or within 150m of any organized event of over 1000 people.
- Not cause an unacceptable risk to any person.
For the commercial user, including emergency services, there are stringent checks, including both a written and practical test, and a formal permission is required from the CAA.
Third party insurance is also required. There are some legal exemptions for emergency service use. We recommend using the Drone Safe app which can be downloaded for free.
Can they fly over the sea? (Click for more information)
Yes. But sea spray is corrosive, not to mention it would short-out the motors if it got in there, so
we'd certainly stay well above the risk of water ingress.
How difficult is it to fly a drone? (Click for more information)
The difficulty level of learning to fly a drone varies depending on the person and what type of drone they are flying. For example, if a person has good sensorimotor skills and hand-eye coordination, then learning to fly a drone may not seem very difficult to them. In addition, learning to fly a high-end drone may be easier then learning to fly on a cheaper drone; this is because more expensive drones usually have many built-in flight assistance features.
How many drone pilots does the force have? (Click for more information)
The force currently has 15 trained pilots across the force area, all of whom fly the drones as an additional skill to their normal everyday duties. We may require more in the future, however this hasn't yet been decided as we are in the initial trial period.
A drone pilot has to pass a theory exam and practical flight test. The theory exam tests the pilot's knowledge of basic aeronautical knowledge, similar to some of that required by a conventional pilot.
There are also opportunities to become a Drone Spotter.
What is a Drone Spotter? (Click for more information)
A 'Spotter' is effectively an assistant to the Pilot, and our deployment policy requires that for most deployments there must be either two Pilots, or a Pilot accompanied by a Spotter. In urgent high risk incidents a pilot may have to deploy alone, or with an untrained spotter subject to a risk assessment.
In some more complicated deployments more than one spotter may be required, e.g. in high risk areas, or for night flights. We have trained a number of spotters who are located across the force area.
How do I task a drone to come out? (Click for more information)
The public won't be able to task a police drone to be deployed, as they will be for police deployment only.
We will also deploy a drone in support of another emergency service or partner agency if required where appropriate.
What happens to the data that is recorded if you are flying over me or my house? (Click for more information)
The police drone will only record data (either stills or video images) if there is a policing purpose for it. In the same way the police helicopter might be over or near your home, it does not necessarily mean it is recording images, or even that it is observing you or your property.
Any data recorded will only be retained if there is a requirement, and thereafter will be retained subject to relevant legislation governing its retention or disposal.
Does the drone record everything when it's in the air? (Click for more information)
No. We will only record data (stills and video images) when there is a policing purpose, and will at all
times seek to focus on the subject of the deployment and keep any collateral intrusion to a
What can I do about a nuisance drone flown by a member of the public? (Click for more information)
It is widely recognised that drones flying overhead or nearby can be annoying to some people, especially if the drone is over your home or garden, however generally we do not own the airspace above our land. Anyone operating such a drone for recreational use is required to follow guidelines published by the Civil Aviation Authority. These state that the drone must not endanger anyone or anything; must be kept within sight of the operator; and must not be flown above 400 feet, in congested areas (not within 150m) or within 50 metres of a person, vehicle or building. If you think that the drone is being operated in breach of the CAA code you should firstly discuss the issue with the individual causing the problem to explain your concerns. As a last resort, notify your local police service. See the CAA website for further guidance.
How can I find out why the police drone has been flown over my house/me in public; and will I be able to view the footage? (Click for more information)
The Freedom of Information Act 2000 gives a general right of access to all types of recorded information held by public authorities, sets out exemptions from that right and places a number of obligations on public authorities. Data Protection legislation gives an individual the right to have a copy of any personal data held about them by North Wales Police, unless an exemption applies. It is limited to information relating to the applicant only and will not give access to information relating to other individuals.
Can drones be flown over crowds such as concerts or football matches or other public events to capture footage? (Click for more information)
Generally no, an operator must not fly over or within 150m of any organized event of over 1000 people. In order to fly over congested areas or crowds the operator must either have special permission.


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"If we are not creatures we might have a right to choose, if we were not sinners we might perhaps venture to complain of sufferings. If the Lord were not wise he might mistake our case; if he were not good he might deal hardly with us. If this life were our all, delays and crossings for one, two or three years would be of great importance. But reverse all these suppositions, say that we are creatures, sinful pardoned creatures, bought with the blood of Jesus, that our Saviour is our shepherd, that he is infinitely wise and good in himself, and has engaged his wisdom and goodness in our behalf; that he suffered for us, and calls us by grace that we may suffer for him (Acts 9:16); say farther that every event we are concerned in is under his immediate direction, and all to work for good; that what we call heavy is light and the long and tedious but momentary, as to our true existence and when compared with the weight of glory, and the length of eternity to which they lead. Let all these truths be planted like so many cannon in your defence and see whether self will and unbelief will dare to look them in the face."
– John Newton, Wise Counsel

subset: commoncrawl


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Grime DJ and producer Sir Spyro has been announced as the new radio host for BBC Radio 1Xtra's Friday grime show.
The news comes after Logan Sama was dropped from the show for "ignorant and offensive" comments on Twitter. According to a report by the BBC, past comments on the DJ's Twitter were spotlighted by current 1Xtra presenter Twin B. Dating back to 2011, racist tweets about black women have been found on the radio presenter's social media page.
Sama has issued a public apology online. His statement reads: "I understand this decision and agree that these comments are indefensible regardless of their context. They do not represent my true opinions which I hope have been conveyed over the years through the majority of my output. I realise and acknowledge that as a person in a privileged position to be able to promote this genre and community I love, I must maintain higher standards."
"I appreciate the BBC for originally offering me the show and thank them for their professionalism. I want to apologise once again to anyone rightfully taken offence."
The show will take place every Friday, from 11pm-1am (GMT). Read the announcement from 1Xtra below.
Big ups to @SIRSPYRO who is joining @1Xtra to host a weekly Grime show pic.twitter.com/srHCViRAYB
— Radio 1 Press Office (@BBCRadio1PR) November 10, 2017


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Castillo Copper Ltd (ASX:CCZ) executive director Alan Armstrong speaks to Proactive Investors about progress on the ground at the NSW Jackaderry Project, which includes the historic Cangai Copper Mine.
Cangai boasts a high-grade JORC Inferred Resource of 3.2 million tonnes grading at 3.35% copper. Castillo is currently five holes into a 39-hole drill program that is already turning up semi-massive and massive sulphide mineralisation. Geophysics is further aiding the search for extensions to known lodes.


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Once you've secured a discovery call, it's important to understand if your candidate is genuinely interested. Companies get approached all the time. What makes your deal unique? (more…)Read More →
After rating your candidates, you must identify the right person at each company to speak to about a channel partnership. Your goal should be to schedule an introductory call with...Read More →
Out of countless companies, only a handful will make good partners. This section will teach you how to identify and pursue top candidates for your channel program. (more…)Read More →
Your product is good and so are your people. (more…)Read More →
Allbound has been ranked among the top 16 B2B technology companies in Arizona—along with GoDaddy, Infusionsoft, and InfinityHR—in a list compiled by the world's largest B2B software review website, G2...Read More →
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Displaying 17 articles tagged with "Sam Jacob"
Objects make the man
Walking through London, it's easy to forget that a city is just a particular arrangement of stuff – hundreds and billions of things – some static, some in motion, others loosely assembled into a London-shaped superthing. Cataloguing every object would mean counting every chair, plate and book, every shoe and shoelace, every single item in every supermarket and so on. And most of the things we see around us are themselves assemblages that atomise into countless other components; cataloguing them would require noting not just every building, but also every brick, screw and plank…


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$ 720.00
The best part about the Short Heritage Gold Necklette isn't just that it can be worn long, doubled-up, or as a wrap bracelet (although that's pretty cool). It's that you can thread any of our Charms onto the pyrite beads—have fun playing with all the different combinations.Necklettes and Charms are sold seperately
This sulfide mineral is commonly known as "fool's gold" because of its metallic luster, cubic crystal structure, and pale brass-yellow hue. In jewelry, it often appears as cabochons, beads and faceted shapes (it's not used as a metal like actual gold)
Peru, Spain, the U.K., U.S.
Metaphysical Properties
A protective lucky charm that can ward off negativity and promote feelings of contentment, while boosting your energy levels and increasing your productivity at work if you're in a slump
Our jewelry is designed in Denver, CO and ethically made by our skilled jewelers in our studio in Vietnam.
Collections: 18K Yellow Gold, All, Gold Necklette, Luxe, Necklettes
Nina Nguyen Designs' rings are a size 6.5 unless otherwise noted.
Our rings are specially designed with an easy-to-size band. Our rings can easily be sized one up or down. If you need a different size please let us know. We suggest going to a trusted local jeweler who can then size your ring to your personal needs.
We currently carry four sizes of bangles.
Size 5: Very Small Wrist
Size 6: Petite Wrist
Size 7: Average Wrist
Size 8: Wide Wrist
At Nina Nguyen Designs, we produce a variety of necklace lengths. The image below is an example of what various necklace lengths look like when worn.
The image provided is for example use only and does not show exact length and appearance of Nina Nguyen Designs jewelry.


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Hello Darlings! Valentine's Day is almost here! I am super excited, not because I necessarily love the day or anything, but I love to decorate and make themed things for holidays. Silly I know, but go with it. I've created a super sexy little number sure to add some spice to ANYONES Valentine's Day … [Read more...]
It's the most wonderful time of the year!
Hello Darlings, As far as I can tell, this weekend marks the major kick off to the holiday season! This year is going to be a good year, if you can get pasted the 80 degree weather we are foretasted to have for Thanksgiving this year. But no, seriously, the holidays are my FAVORITE time … [Read more...]


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Lauren is a sports massage therapist who comes from a professional dance background giving her an excellent insight into bodies and movement. She has experience and understanding of the stresses that vigorous training and exercise can have on the body and its muscles. Through her skill and understanding of massage to aid muscle function she will guide you back on your way to performing optimally and efficiently for whatever physical activities you may engage in.
Although helping sports people maintain good form and recover from muscle strains or stresses comprises the main part of her work, she also works with those who suffer from muscle imbalances due to their work lifestyle or gym activities.
Good strong massage strokes that lead to a deep tissue massage is Lauren's basis for treatment. She may also include myofascial release, friction massage and trigger point techniques amongst others. Her main aim is to release built up tension in the muscle whilst also assisting with stretching exercises to restore the whole body to a well functioning state.
See Lauren for:
* release of muscle tension and unrelenting problem areas
* maintenance of a well functioning muscular system to keep you on track in your physical endeavours
* pre and post-event massage
* massage combined with assisted stretching and loosening of tight areas for whole body wellness
Contact Lauren
Tel: 07799 080 629
"Lauren is very attentive & understood exactly what I needed in addition to my rehabilitation. I am feeling a difference already, her techniques are really good and she is very skilled, i am booking my next appointment now!"
"Cannot recommend enough. Its very hard to find a good sports massage therapist so I'm very glad to have crossed paths with Lauren!"
"I have had 2 sessions and I could not recommend Lauren highly enough! I first booked Lauren to treat a chronic injury, which has now healed. I play high-intensity sport regularly in addition to weight training, and have already observed significant improvements in my mobility, not to mention the key role this therapy has played in the successful treatment of my injury! Lauren is very friendly, professional and I'm recommending Lauren to all my teammates!"


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Collection: Continuing Collection 2019.
Material: 90% organic cotton + 10% recycled polyester
Description: Hooded towel with Owl design on it. Easy to wrap around your kid after bath time. Hanging loop on the corner. Definitely a kids choice over normal bath towel! Aarre bath products are made from registered Loop Safe® quality where the loop of the terry won't tear even if pulling.
Color: White/Black.
Made in Portugal and designed in Finland.
About: Renewed Aarre wants to offer real treasures – those kind of garments that make you feel good, that you keep wanting to wear day after day. The word "aarre" is Finnish and means treasure. Their products are meant to be timeless and durable. Fast fashion is a curse word for us and we want our designs to have a purpose – not just something you wear twice and throw to trash.
Material: 95 % organic cotton and 5 % lycra.
Description: Classic, multipurpose baby blanket. Double layered jersey blanket helps you to cover your stroller or works as a blanket. Easy to wash. Black owl print, natural white base color. Size 27 inches x 40 inches.
Care: Machine Wash.
Material: Organic 95 % cotton and 5% lycra.
Description: Aarre owl softies suit for decor and kids room. Appeals to both kids and adults. Size: 10 inches long.
Care: Hand Wash only.
Material: Organic 95 % cotton and 5% lycra. Polyester filling.
Description: Aarre owl softies suit for decor and kids room. Appeals to both kids and adults. Size 16 inches high.
Collection: Lapuan Kankurit.
Design: Masaru Suzuki.
Color: Grey-White.
Material: 100% Wool.
Description: Sheep design grey/white wool mini size blanket can be used as a small throw or a baby blanket. Soft wool, zigzag edges, and design reversed on the other side. Very timeless and can be enjoyed for years!
Care: Hand wash or dry cleaning recommended.
Dimensions: 25.5"x 35" or 65 x 90 cm
Collection: Finlayson
Design: Elefantti design by Laina Koskela 1969.
Material: 100 % polyester.
Description: Stuffed animal can be used as a pillow or toy. Very soft, washable and modern accent to any home.
Care: Machine wash warm.
Dimensions: 17"x 12"x3" or 43cm x 31 cm x 8cm
Full-priced jewelry ships free within the Continental US!
Pre-Spring 2020 Fashion. Shop the new styles.
Save up to 80% on past-season fashion.
Sold Out


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Hosting Gods Trilogy
This is a Norse-mythology Reverse Harem suitable for ages 16+. It follows Gwen, a girl who has lived in a car most of her life, as she and her mother move into a mansion with a mysterious man and his alluring teenager children, each of whom Gwen is drawn to for different reasons.
This is my most popular series to date. You can find the completed trilogy on Amazon. Click here to start reading!
Girl Among Wolves Trilogy:
Devastated by her father's sudden death, Stella barely protests being shipped off to live in a secluded forest encampment with the mother she never knew. Upon arrival, things go from bad to downright creepy. Everyone in the cultish community stares at her like she's a mutant, including the two sisters her father failed to mention in her fourteen years, and her mother promptly locks her in the attic. Her only companions are a mouse and fantasies of befriending her own sisters.
Desperately lonely, Stella watches from the window as her family leaves for a night each month to attend mysterious "lunar meetings." While they are gone to one of these meetings, Stella escapes the attic, only to discover why her mother has kept her locked up her since her arrival—the entire community is made up of werewolves. Intensely protective of their privacy, they would do anything to keep their secret from outsiders…outsiders like Stella. Once she knows their secret, she must fight for her freedom…and her life.
This is a series of TRADITIONAL fairy tale retellings (so…not your Disney versions!) Add some werewolves, shapeshifters, witches, and other supernaturals, put it in the rural Ozark Mountains, add a little romance and a little darkness, and you're getting an idea!
Young Witch Series
These are not really a series, as each book is a stand-alone that combines two fairytales and features a new main character. They are YA/NA reverse harem and form a bridge between my Norse mythology/Hosting Gods series and my Girl Among Wolves series.
The Superiors Series:
Vampires rule the world. Humans are their livestock. Click here to read them.
I wrote this series waaay back in 2010 under a different pen name. It never did much, so I stopped putting them out. My writing has come a long way since then, so I'm not sure if I really want to claim these, lol. But I did publish them, so why not?
Discontinued Series:
The Winslow Witch Chronicles
This was my first attempt at reverse harem, and I admit, I did not do my homework. Therefore, readers in the genre HATED this book, as it did not meet their expectations. I have since read and researched a great deal, and I republished these in the fall of 2018 after a complete rewrite to get it "right." Because they were received so poorly, I do not have current plans to work on the series anytime soon. After all, why spend time and energy producing something that people don't like? I have ideas for so many more books that will please readers!


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Amazon.fr has revealed the EU release date and a synopsis for the French edition of Trial by Fire. It will be available for our Francophone friends on 17 April 2019. US readers, you may have to wait a couple months for it to show up in the US Kindle store.
Here's the translated synopsis:
The Dark Mage, who reigns over Aldenmor, is now looking for the fairy map that leads to Avalon. If she can find it, the magical world will be destroyed. Kara, Emily and Adriane have no time to waste. Helped by their faithful animals, they go to Aldenmor to fight their enemy. But once they pass through the magic portal, the friends are separated. While Adriane discovers sea dragons and Emily meets elves, Kara is surrounded by darkness. Will she be able to resist the attraction of the dark side? Kara, Emily and Adriane will have to fight a hard battle to save Avalon, but they will not come out of it unscathed….


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Aerated concrete
|Construction method
Thin joint
Beam and block flooring
External walls
Internal walls
Rå Build is a flexible housebuilding method that provides a quick and efficient means of constructing a weather-tight masonry shell.
This method integrates H+H UK Ltd thin-joint aircrete, together with proprietary intermediate floors, roof trusses, felt and battens.
The inner leaf of a Rå Build is independent of the brickwork, resulting in cleaner cavities, thus reducing the risk of rain penetration and providing better quality control.
The Rå Build method has a very fast construction time, matching that of a timber-frame construction, but without the lead time of timber-frame manufacture.
Rå Build is manufactured by a team of expert installers specially trained to install the floors, walls and roof of Rå Build houses, including suspended ground floors, cavity insulation, felt, and battens where required.
Installers seek early involvement with developers at the project planning stage and work quickly and efficiently to complete the shell of the Rå Build, so that it is then ready for internal and external finishing.
As the weather-tight masonry shell is achieved quickly, the process minimises materials wastage, thus benefiting the environment and saving money.
Meeting all the required Building Regulations (thermal, sound, structure and fire), the method is recognised by the NHBC and Zurich for their warranties.


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This fall, Leslie, a caseworker in Cherokee County, found herself in a desperate place. Her department had been working with a medically fragile baby girl who had been in their custody since her birth four months earlier. This little fighter was born at 25 weeks and weighed only 1 pound and 7 ounces. Alia had been in the hospital all of her life, had undergone multiple surgeries, and been on oxygen and a feeding tube. Leslie and her team had been desperately working to find a loving home that could also meet Alia's medical needs. After four weeks of checking with every available foster home in the entire state, they had not been able to find a place for Alia. Then they were informed that the hospital where Alia was being treated was not going to be able to keep her over the coming weekend.
Desperate, Leslie sent a request through CarePortal. She explained the situation and asked the local churches to pray that God would provide a home that could care for Alia and also love her unconditionally.
Several local churches responded to encourage Leslie and the rest of her team and let them know that they were praying. Those churches also shared the request with other churches and friends in their community. Within less than an hour of the prayer request being sent, the department had found a local home for Alia!
A brand new foster family had heard about Alia and knew that she was supposed to come live with them. This family had experience with the type of medical care that Alia needed and were ready to care for and love this sweet baby.
In an email Leslie sent to us about this miraculous experience, she said:
All I can say is without this support, I feel we would have spent the entire weekend in the office with this baby. Instead, she is in a home with a person who loves her and is receiving excellent physical and emotional care. By the way, this home is a perfect fit for this child. Baby girl had a good weekend, and had no issues adjusting to life outside of the hospital.
What an incredible story of God's goodness! The CarePortal provided a network for Alia's story to get to the one family that need to hear it – the foster family that God had already chosen for her.


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About Nashelle
Nashelle is dedicated to sharing the blessings we have with others. Our intention is to pay it forward, to extend a helping hand to those in need, both in our own community and yours. For every piece of jewelry that we sell, we donate 1 meal to The Giving Plate or Feeding America. To date, we have raised over 1 MILLION meals to hungry Americans. It is our firm belief that if we start locally, it can extend globally.
Follow along on our pay it forward journey: #fashionfeedinghunger
The Nashelle Team
With Love from Nashelle
The Nashelle Flagship Store
In The Old Mill
661 SW Powerhouse Dr., #1301, Bend, OR 97702
(458) 206-4811
Monday - Saturday
10am - 8pm
11pm - 6pm


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The Autism Diva received free product for review.
Moosh-Moosh Is One Of The Softest Plushies Ever
If you love soft, cuddly plushies then you are going to love Moosh-Moosh. They are the softest, squishiest and cutest cuddle buddies. Moosh Moosh also is available in many different designs, colors and in three sizes: large, medium and small, so you're sure to find the perfect one for you or your child. Moosh-Moosh is here to offer companionship, comfort, and love as a pillow pal, bedtime buddy and cuddle buddy whenever and wherever you want.
Plushies For Everyone
No matter your style or taste, will over 72 different pals to choose from you are sure to find the perfect character. You'll see cats, dogs, dragons, unicorns, friendly monsters and more. Plus with a choice in size, you start a collection that fits your lifestyle and budget.
The Clip-On is great for bags and backpacks. You can conveniently bring your pal anywhere you go.
The large marshmallow-soft size is great for snuggles and even a pillow.
Kids to adults love Moosh-Moosh as you can never be too old for a soft cuddle. DIVA absolutely loves Moosh-Moosh. They combine her favorite features of other similar products into one and she would have them all if I would let her. She even tried to convince me to let her keep all the Moosh-Moosh pals we did get for herself. And the ones she did keep have a permanent spot on her bed for sleeping comfort.
Autism Approved
Many people on the autism spectrum have difficulty processing everyday sensory information. Any of the senses may be over- or under-sensitive, or both, at different times. Due to Moosh-Moosh's soft design, they are perfect for deep pressure squeezes, or a soft touch to help soothe and relax.
Lil Man is not big on carrying around stuffed animals. But since having his Moosh-Moosh pals, I find him cuddled with one in his room or even once in a while by his side watching television. Another nightly routine is one or two in his bed as pillows.
Learn More About Moosh-Moosh
You can view and learn more about Moosh-Moosh by visiting their site at: www.moosh-moosh.com.
Follow Moosh-Moosh on social media:
Facebook | Pinterest | Instagram


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(Disclosure: Some of the links below may be affiliate links)
In the previous post of the Investing series, we discovered the Three-Fund Portfolio and its variants. It is a simple portfolio made of only three funds. It is straightforward to manage yet very effective and diversified. We also saw the two-fund and one-fund portfolio. They are even more simple and however have many advantages. These two are called lazy portfolios. They are the most well-known portfolios.
But there are more lazy portfolios that are available. People have proposed many more portfolios over the years. In this new post, I am going to cover more of these portfolios. They are called lazy portfolios because they are all using index funds. And you can kee the allocation of the different funds for many years.
Instead of choosing stocks, which is difficult, you choose stock funds or bond funds. You can either use mutual funds or Exchange Traded Funds (ETFs) depending on what you prefer and what you have access to.
Stock classification
Before we cover the different lazy portfolios, we have to cover something new. Many funds are not investing in all the stocks of an index. But instead, they are investing in a class of stocks. There are many classes of stocks. It is essential to know about the different classes to know in what your fund is investing in.
First of all, people classify stocks by size. The size of a company is its market capitalization. Companies are generally categorized with three different labels:
- Large: Generally companies over 10 billion $ market capitalization.
- Medium: Generally companies between 1 and 10 billions $ market capitalization.
- Small: Generally, companies below 1 billion $ capitalization.
I generally say because it may depend on the market. Large may not mean the same for the U.S. market than for the Swiss market. We do not have companies with one trillion dollar capitalization in Switzerland! Generally speaking, there is more volatility but more possibility of returns in the small caps. But this is not always true in every kind of market.
Then, people also classify stocks by style. There are two main styles:
- Growth: The company is growing at a quick rate and is expected to continue to grow at a fast pace.
- Value: The company is trading at a premium relative to its real value. People compute real value differently. It is generally based on profits, dividends, book values, and so on.
- Blend: The company is between both Growth and Value labels.
Some people are only investing in growth stocks, and some other investors are only choosing value stocks. Warren Buffet is a good example of a value investor.
And then, you can combine both labels to have something like small value or large blend. You will find many funds for each combination of these labels. And some lazy portfolios are based on these combinations.
Core-Four Portfolio
After the three-fund portfolios, here is a four-fund portfolio. The Core Fund Portfolio, by Rick Ferri, is a straightforward portfolio made of only four funds. It's very close to a three-fund portfolio.
You can build like this:
- Domestic Bond Fund: Use your bond allocation
- Domestic Stock Fund: Use 50% of the remaining funds
- International Stock Fund: Use 40% of the remaining funds
- Real Estate Investment Trust (REIT) Fund: Use 10% of the remaining funds
It is the same as a three-fund portfolio with an added REIT fund. Compared to the three-fund portfolio, there is a preference for REIT. Even though the three-fund portfolio does not have REIT, they are included in the domestic stocks. If you want to give more importance to REIT, this fund is a good idea. If you prefer to consider REIT as their stock market capitalization weight, use the domestic stocks fund.
Bill Schultheis Coffeehouse Portfolio
Bill Schultheis is the author of The Coffeehouse portfolio. For reference, he is also the author of The Coffeehouse Investor. It is a bit different from the other portfolios we have seen so far. It uses a fixed allocation of 40% for bonds. The domestic allocation is sliced for each class. The international allocation is using a single fund. Here is the full allocation of the portfolio:
- Large Blend stocks Fund: 10%
- Large Value Stocks Fund: 10%
- Small Blend Stocks Fund: 10%
- Small Value Stocks Fund: 10%
- International Stocks Fund: 10%
- REIT Fund: 10%
- Domestic Bonds: 40%
Compared to other lazy portfolios we have seen before, this one has very low international allocation. And very high bond allocation. In my opinion, this is a very conservative portfolio. The bond allocation should move with time. We should not set it like this. You can still use this portfolio with a smaller allocation to bonds if you want. Just keep the other funds at the same global proportion.
William Bernstein Coward's Portfolio
William Bernstein elaborated The Coward's Portfolio. He is the well-known author of The Intelligent Asset Allocator and The Four Pillars of Investing. This portfolio is even more complicated than the Coffeehouse. It also slices up domestic allocation. But it mixes it with a fund for the domestic stock market. And several regions are forming the international allocation. Let's look at the allocation:
- Domestic Stocks Fund: 15%
- Large Value Stocks Fund: 10%
- Small Blend Stocks Fund: 5%
- Small Value Stocks Fund: 5%
- Europe Stocks Fund: 5%
- Pacific Stocks Fund: 5%
- Emerging Markets Stocks Fund: 5%
- REIT Fund: 5%
- Short-Term Bond Fund: 40%
Again, this portfolio has low international allocation and high bond allocation. I also feel that the bond allocation is too high for most persons. I feel that this portfolio is too complex. Splitting the international stocks into several different funds does not make sense for me. That means you weigh yourself the different regions instead of taking their market capitalization into account. And many allocations are too small, making it complicated to balance. Another difference is that the portfolio uses short-term bonds where most portfolio uses a mix of bond terms.
Frank Armstrong Ideal Index Portfolio
The Ideal Index Portfolio was made by Frank Armstrong, the author of the Informed Investor. It is quite similar to the Coward's Portfolio. But it does not slice up the International Stocks and has more of it. And it has lower bond allocation. Here is the final allocation:
- Large Blend Stocks Fund: 7%
- Large Value Stocks Fund: 9%
- Small Blend Stocks Fund: 6%
- Small Value Stocks Fund: 9%
- International Stocks Fund: 31%
- REIT Fund: 8%
- Short-Berm Bond Fund: 30%
I do not understand the numbers exactly.
Nevertheless, I think this portfolio makes more sense than the previous one. It has more international allocation and fewer bonds. There is a lot of small-capitalization stocks compared to the other ones. It may give it an edge. But it will depend on the market.
David Swenson Lazy Portfolio
The Lazy Portfolio was elaborated by David Swenson, author of The Unconventional Success. It is simpler since it does not slice over different classes. The main difference between the previous portfolios is that there is two bond funds instead of one. It also uses a lot of Real Estate. Let's look at its allocation:
- Domestic Stocks: 30%
- International Developed Markets: 15%
- Emerging Markets: 10%
- Real Estate: 15%
- Domestic Treasury Bonds: 15%
- Domestic Treasury Inflation-Protected Securities: 15%
I like that the portfolio does not slice over the different classes of stocks. But for me, there is too much Real Estate on this portfolio. I am not a huge fan of Real Estate. But this is only my opinion. And the difference in bonds is a bit complicated.
As you can see, there are many different lazy portfolios.
You now know five more lazy portfolios. And there are many more of them. However, I would not invest in them. But they may be interesting to some of you. I feel that they are too complicated for most investors. And most of them also have too many bonds. The bond allocation is something every investor should decide on. One should not set it in stone in a portfolio.
I am an advocate of simplicity in a portfolio. I think that your allocation should use weights based on the market capitalization, with a small domestic preference. Even though I may not advocate these portfolios, I think it is important to have a broad view of the possibilities when you are investing.
In the next post of the series, I cover Target Retirement Funds. They are funds of funds, specially tailored for retirement. This is even lazier than a lazy portfolio since you will only need to keep one fund.
What do you think of these portfolios? Do you follow any of them?


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Trainee Veterinary Nurse, avid yoga enthusiast, hockey player, and best friends with a beautiful red dog, 2 hardworking ex station horses,1/2 a horse (miniature), Billy the Cat, guinea pig, chickens, sheep and cattle.
Renae says,
I grew up between the ocean and the land. My school years were spent in the beautiful bay of Busselton & every chance we got on weekends & school holidays on my Grandads farm in Pemberton living the dream with no end of land to run and play on and an abundance of animals from the pretty laying hens to prime Wagyu cattle.
Being a Kid
Farm days were spent with my younger sister, cousins and friends, as we would head off for the day on adventures that felt like we had travelled far and wide. Time was also spent helping in the sheep yards,moving stock, riding on the back of a motorbike, feeding out hay and befriending the farm cats so they would stay just that little bit longer before heading off to catch their next feed. My memories on the farm always involved spending time with, saving and caring for animals, and I thank my Grandad for this as he was an avid animal lover himself and would do his utmost to help them all.
Growing Up
Leaving school behind saw me complete my trade qualification as a chef, surfing my mornings away and working through the afternoons into the night. During this time we had a pet guinea pig called Coco, she lived to be 12 years old. Far beyond the expected 5 years old ! Then along came Minni who is a blue heeler X, which we purchased out of a box at the markets for a $10. Minni would often ride in my ute down for a surf and dig long trenches in the sand while she waited. She now enjoys her retirement curled up next to the fire with short strolls on the beach.
After completing my apprenticeship it was time to spread my wings, so I booked a one way ticket to travel the east coast. The day before my flight I met Nick an adventurous type, lover of everything country & a mad keen fisherman.
Travelling Days
It was time for us to hit the road in a 75 series cruiser filled to the brim with a caravan in tow. During the two year trip around Australia we worked on a remote cattle station in the Northern Territory, 300km south of civilization, here I started out cooking for the cowboys, joining the musters when I could and raising the orphaned calves and piglets and nursing the sick calves and the injured horses back to health.
On our return home we found ourselves back on the family farm working…. then along came our red dog, Bear, a gentle soul who had energy to burn and kept us on our toes with her cheeky puppy ways. After raising her on the farm it was time to hit the road again with Bear by our side. 4000 km back to the station we went for another adventure! This time found me on the back of a stockhorse as a Jillaroo and in the meantime completing my Agricultural certificate. During this time along came Rose a retired stockhorse. I chose to nurse her back to health after she become severely unwell during her wet season spell. This meant being stabled for close monitoring, medicating, feeding and most importantly plenty of unconditional love which saw her back to strength after eight long months. As our last season on the station drew to an end we learnt the property and business would be sold. The boss proposed I took her home! This was not my intention in the beginning but giving her the chance to retire in comfort sounded like a great idea.
Station life on a 3 million acre property meant up at daybreak and working into the dark mustering Brahman cattle on horseback, drafting, fighting bush fires on land strewn with the odd wild mickey bull, pigs, dingoes, donkeys and snakes. Amongst the good the bad and the red & dusty dirt, it's an amazing experience we will never forget.
Christmas that year saw us return home with not one horse but two! Nick chose a friend to bring home as well. Both Rose and Dually went from working in the red dirt to riding on white sandy beaches & swimming in the ocean.
Home Again…
Living back in Busselton animals have always been a big part of my life, I returned to working this time round on a local dairy farm milking and raising calves.
I decided to gain more skills and knowledge in a field I am most passionate about and am now training as a veterinary nurse here at Vasse vets.
I'm extremely thankful to have a fantastic learning facility at my feet and to be part of a team who are dedicated to using their skills and knowledge to provide quality care for all animals.
I look forward to meeting you and your precious pets very soon.
– Renae x


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We specialize in a wide array of kinds of home improvement services, including broken window renovations service in Rockland County NY at Leaf Free Home Improvements. Since 2002, we have been working hard to provide the best service possible to residential and commercial clients in the local area. When you have a broken window, like many homeowners you may not know where to turn. For both protection against the elements and security, it's crucial that you have your windows fixed as soon as possible. If you'd like to ensure the job is done for a reasonable cost, call us at Leaf Free. Your house is going to look run down and unappealing if you have windows which are broken and have cracks in them. When windows aren't sealed correctly, it's capable of resulting in condensation between the panes. This will make your windows look foggy. You're going to find your property value is capable of being greatly impacted by this. If you own your own business, this is just going to make a poor initial impression. Instead of allowing this to occur to you, if you are in need of a window replacement company in Rockland County NY you're capable of counting on, call Leaf Free Home Improvements right away.
Window Contractor Rockland County NY
Getting in touch with a respected contractor for broken windows renovation services in Rockland County NY isn't simply essential for aesthetic considerations. A growing number of homeowners are realizing how important energy efficiency is. As it pertains to your energy bill, changing your windows can have a considerable impact. Our energy efficient windows have actually received the highest rating from Good House Keeping. You will be sure to discover something which will fit your requirements as a result of the fact that we specialize in installation of and repair for a wide variety of kinds of windows and leading brands. Considering how many choices are available, many people find this overwhelming the first time. Not certain what you require? All you have to do is ask one of our experts. Upgrade your house by contacting Leaf Free Home Improvements if you need a qualified window replacement company in Rockland County NY.
Double Hung Window Replacement Services Rockland County NY
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Roofing Service Rockland County NY
If you need broken window repairs services in Rockland County NY or a broad selection of home improvement services, all you've got do is contact us right away at Leaf Free Home Improvements. We're certain that you will not be disappointed. If you're interested in siding installation or a maintenance free gutter, we've also got you covered. Interested in learning more? All you need to do is contact one of our pros.


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A new one million barrel capacity oil tanker built under the Brazilian government's PROMEF (programme for modernisation and expansion of the fleet) will be powered by machinery from German engine manufacturer, MAN Diesel & Turbo.
The ship, a Suezmax tanker christened Zumbi dos Palmares at the Estaleiro Atlantico Sul (EAS) shipyard last week, will be powered by a MAN B&W 6S70ME-C type prime mover and three MAN 7L23/30H auxiliary engines.
The vessel will be operated by Transpetro, Brazil's largest hydrocarbon transportation company and a fully owned subsidiary of Petrobras, the Brazilian state-owned oil company.
Speaking at the delivery ceremony at the EAS shipyard last week, Lincoln de Sousa, Diesel Division director of MAN Diesel & Turbo in Brazil, said: "We are proud to participate in this new chapter of Brazilian shipbuilding history.
"We want to congratulate Transpetro on the successful launch and are confident that our engine will contribute to a successful working life for the new tanker. To this end, we have already trained some of the Zumbi dos Palmares crew on various aspects of the engine's operation at our MAN Primeserv Academy in Rio de Janeiro."
Under PROMEF, Transpetro has ordered a total of 28 ships, all to be equipped with MAN B&W two-stroke prime movers according to the German company.
The launching of the Zumbi dos Palmares makes it the fifth PROMEF vessel to be put into operation, two of which have come from the EAS yard.
PROMEF was initiated to stimulate growth in the Brazilian shipbuilding industry with contracts put in place for the construction of 49 oil related vessels across a range of domestic shipyards.


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BLOTTER O' THE WEEK: A man says he fell asleep watching a movie on his laptop. When he woke up, the laptop was gone.
An unknown person put a man's telephone number in a Craigslist ad, stating that he was trying to unload a five gallon jar full of quarters, dimes, and nickels. The victim has changed his number because of all the calls he's received.
Stolen Items O' The Week: Two iPods, two GPS units, three bikes, and a guitar amplifier (do you even need those things anymore now that we have Guitar Hero?)
Witnesses contacted police when they saw a car dragging a bicycle the wrong way down a one-way street. When found, the driver said he was carrying the bike in the trunk and it must have fallen out. Eventually charged with DUI, the man told officers, "I'm already fucked. I'm stuck like Chuck."
Asked where he was coming from, a driver stopped downtown for suspected DUI told officers, "Folly Beach." Asked where he was going, the man said, "Folly Beach." Asked how much he'd had to drink, the man said, "3 to 20 drinks." You can't go wrong with that kind of spread.
A man has been receiving threatening calls from a distant cousin, including one that included "You are the epitome of a fucking white trash redneck ... Next time you see me, you better put your fists up because this rooter (rooster?) is gonna rock your world bitch."
The Blotter is taken from City of Charleston police department reports. We've added a cartoon and a little commentary. We've added a little humor, too. No one has been found guilty. This is not a court of law.


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The Belton Police Department is seeking donations in support of its fifth annual Silver Santa Program. Silver Santa benefits participants currently in Belton's RU OK? Senior Welfare Program.
The goal is to provide every RU OK? participant with a Christmas gift basket. Donation boxes are available at the Belton Police Department, Belton Area Chamber of Commerce and Belton McDonald's.
Belton Walmart will have pre-packaged gift bags available for purchase. Additional information about the Silver Santa Program is available on Belton Police Department social media sites.
Please consider donating the following unopened items (new):
|Lap Blankets
|New Socks
|Hand Sanitizer
|Puzzles/Word Books
|Chap Stick/Lip Balm
|Compact Mirrors
|Large Print Playing Cards
|Blank Journals
|Small Flashlights
|Jar Openers
Therma Care Pads
|Band Aids
Thank you for your support!


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This category is for any dynamic business with 11+ employees, They will have demonstrated continual growth, overcome challenges to drive the business forward along with showing initiative with great management practices.
We deal with local businesses every day providing a product or service including after care, we go the extras mile for all our customers no matter how big or small as we value them all the same. We have fresh warm sausage rolls and pasties on the counter daily free for our customers and hot drinks machine at no cost. We have a friendly office in which our customers can come in from the counter to sit and chat, we always make time for our customers.
Holiday Inn Express Kettering is set within a prime and convenient location just off the A14. The hotel has 120 bedrooms and 4 meeting rooms that have been recently refurbished to a modern standard with a £500,000 investment.
The hotel is celebrated for its great management practices and exemplary health and safety record for both staff and guests. We listen and consider all feedback from guests through conversations, online reviews and surveys, ensuring that their stay is as smooth as possible.
The hotel actively encourages staff to be open and honest about any issues that they have regarding their personal life, sickness and mental health. We work with the staff to ensure that we have an open-door policy and have created a culture where we can be open and honest without fear of stigma or repercussions and regularly undergo further mental health training.
Employees have opportunities to learn and progress within the business. Many staff have progressed onto senior roles and many have moved on to higher positions in management at other locations.
The hotel has also joined a range of networking groups to promote the hotel to new and potential clients. This has strengthened the hotels opportunity to work with local businesses, for example we have worked with local decorators, plumbers and electricians during our recent refurbishment. The hotel has continually provided local businesses with further reductions on corporate rates and meeting rooms.
The hotel has overcome many challenges over the years but here at the hotel we now see any obstacle as a challenge and face it head on to ensure continual growth and success within the area. The hard work of the staff over the years has made an astonishing impact in 2019, when they saw record growth for the hotel over first quarter.
We have been operating for 13 months now. Since last year we have built a trust worthy and reliable chauffeur company. We have gained repeat business as well as new business, through out the year we have had fantastic 5 star customer feedback on google and the best of Kettering. We always deliver and over exceed all expectations of what is required from a chauffeur company. We have a fantastic relationship with all of our clients and our service can not be matched by any of our competitors.
Due to our rapid growth of our company and to keep up with demand for airport transfers and local taxi work we have had to take on 2 other drivers who drive E Class Mercedes Benz's, a chap who is a taxi driver that has a ford galaxy to take families to airports who require a bigger family vehicle and 10 8 seater hackney taxis to keep up with the demand for local taxi work around town. We are now first choice taxi service provider for Kettering park hotel and other local businesses such as…
RS Componants
Oxford university press
Camberidge university press
Rigid containers
Food maker
And many more….


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Anna Hazare on Sunday returned to Jantar Mantar here, the scene of his five-day hunger strike last April, for a daylong token fast to protest against the murder of several whistle-blowers and denial of justice to their families.
Addressing his supporters, the social activist warned the UPA government of defeat in the next general elections if a strong anti-corruption law was not passed.
Mr. Hazare said he would return with a more powerful agitation in August if the roles of the 14 Union Cabinet Ministers, named by Team Anna member Arvind Kejriwal as facing allegations of corruption, were not investigated. He brushed aside worries about his health, stating that he was not "afraid of dying for the country."
Targeting the 14 Ministers with a name and shame approach, Mr. Kejriwal had said that if the Lokpal became a reality, FIRs would be registered against all of them and at least a few would find themselves in jail.
Responding to the privilege notice against him for defaming MPs, Mr. Kejriwal said it was the "high commands" of various parties which had given ticket to tainted MPs who had insulted Parliament.
The 14 Ministers whom Mr. Kejriwal named along with the allegations against them, while repeatedly stressing that these were allegations that had appeared in the news media, are P. Chidambaram, Ajit Singh, Farooq Abdullah, G.K. Vasan, Kamal Nath, Kapil Sibal, Sharad Pawar, Sriprakash Jaiswal, Sushil Kumar Shinde, Vilasrao Deshmukh, M.K. Azhagiri, Virbhadra Singh, S.M. Krishna, and Praful Patel.
Mr. Hazare said a "Right to Reject" option should be given to the electorate to ignore candidates put up by political parties. He conceded that Team Anna's earlier demand for "Right to Recall" of elected representatives was an issue to be taken up later.
Stressing his demand for more powers to Gram Sabhas to resist forcible acquisition of village land, Mr. Hazare said the lot of farmers had worsened while middlemen continued to thrive. Mr. Hazare first visited Raj Ghat before proceeding to sit on fast at Jantar Mantar.
Family members of several whistle-blowers were seated close to Mr. Hazare's pandal and many of them, including the uncle of the slain IPS officer, Narinder Kumar, came forward to address Anna supporters. All of them hoped that a strong Lokpal would give them justice.
"Stay alert"
Another Team Anna member Kiran Bedi said, "Right now the BJP and the Left parties want the CBI to be part of the Lokpal. A weak Lokpal Bill has been passed by the Lok Sabha. We have to stay alert to the Bill's fate in the Rajya Sabha. If the Upper House also passes a weak Bill, we will have a long fight ahead of us. We will have to prepare for the general elections in 2014. We will have to go to our homes, neighbourhood, villages, and cities, to tell people to vote for candidates who support a strong Lokpal."
The former Union Minister and senior advocate, Shanti Bhushan, said the support garnered by Mr. Hazare's campaign since January 30, 2011, when India Against Corruption held a rally on Ramlila Maidan reminded him of the people's protest led by Jayaprakash Narayan against Indira Gandhi's government in the mid-1970s.
Another Team Anna member and former Supreme Court judge, Santosh Hegde, who had distanced himself from several Team Anna decisions, reiterated that he was not leaving Mr. Hazare's anti-corruption campaign.