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Dear Clients,
In what has been a tale of two quarters, the second quarter, ending 6/30/20, had the S&P 500 index advancing 20.54% while the first quarter was down 19.60%. Year-to-date, the benchmark index is down 3.08%, including dividends. Financial markets dislike uncertainty and there is no more uncertainty than a pandemic. This particular period stands alone atop my list for trying to determine market sentiment from one week to another.
The one sector of the market that has experienced a positive return is technology. The other ten sectors are either near flat or in negative territory for the year down anywhere from 2% (health care) to 36% (energy). The energy sector, however, rebounded up over 30% in the most recent quarter. Technology is an area that can benefit from stay-at-home and social distancing. We need our computers and gadgets and all the newer applications that help all of us deliver solid productivity. Expect ups and downs in the stock market over the summer as we all adjust to opening up our economy and what exactly that will mean. As previously stated, the virus will determine the direction of equities in the short-run.
Having said all that, it is important, once again, to emphasize that during this time we should focus on those things that we can control and that matter.
Certainly, the financial markets matter but we don't have much control but to keep an eye on our portfolio allocation, liquidity needs, and associated risk. Things that matter and we can control are our habits, routines, and attitude toward ourselves and others. It's never been easier to find something to complain about as we navigate these challenging waters. But a good captain never grumbles and never looks backward but rather excitedly gazes ahead to the new sky off the bow, to the next horizon, to the next day. Always appreciating the cool breeze and warm sun.
We will be mailing out your quarterly reports next week sans the Quarterly Commentary. All of us at Stillwater hope you are doing well and have a good summer.
James K. Tonrey, Jr.
Partner/Chief Executive Officer
Dear Clients,
We have decided to keep our office hours the same through Labor Day.
Monday, Wednesday, and Friday – 8:30 am – 3:00 pm.
Tuesday and Thursday – Office closed. Work from home.
We will continue to send our Weekly Updates throughout the summer. As we move forward, together, through this period, we will continue to keep communicating with any changes.
The S&P 500 index is down only 2.5% year-to-date. Ironically, the index is on pace for its best quarterly gain in over twenty years. It is currently up over 21%. What this doesn't tell investors, unless we look under the hood, is that five companies represent just over 20% of this index. They are Facebook, Microsoft, Amazon, Apple, and Alphabet (Google). The technology sector has led the way this year so far up around 12%, while the financial and energy sectors have lagged down over 20% and 30%, respectively. With both interest rates declining and the economy coming to a halt for a number of months, both these sectors have been negatively impacted in the short-run.
A number of months ago, I read an article by Kate Murphy, author of "You're Not Listening: What You're Missing and Why it Matters." The piece discussed the art of listening. I was obviously drawn to it since that is what my job has been for the past thirty-eight years. I ask questions, take notes, try to dig down on what clients really want and need, and, frankly, play the role of a financial psychologist. Then I apply my knowledge of the investment world to match the client's objectives. Through a lot of trial and error, I've learned a few lessons that Ms. Murphy highlights in her article.
1. Listening takes time, patience, and a sense of caring or empathy. It's interesting that high schools and colleges offer a variety of courses on speech and persuasion but not many on listening.
2. The art of listening goes beyond what people say. A good listener will watch for how people say certain things. And they will study the context in which the person is speaking.
3. Good listeners will ask probing questions that engage the other person and that don't show judgment or bias. A good question should not begin with "Don't you think…" Instead, something like this is better, "Tell me about…"
4. Importantly, a good listener will listen for the quiet, unspoken sounds. Try to understand where the other person is coming from, their fears, their concerns, their past experiences that have shaped their views.
Over these many years, I've learned that the financial markets have their own way of communicating. As a market analyst, I've also learned to spend more time listening to the quieter sounds rather than the loud, hubris that too often captures our airways and can distort and redirect the conversation. It's served me well.
A good investor, like a good listener, should feel a sense of connection. Something we all need.
Stay well,
James K. Tonrey, Jr.
Partner/Chief Executive Officer
Dear Clients,
Over the weekend, I read where a number of advisory firms in our industry applied for and took money from the Paycheck Protection Program (PPP). There seems to be a division between those that took the funds, supposedly for their payrolls and expenses, and those that chose not to. My guess is at some future point, when the program is properly evaluated and scrutinized, there will be pushback on companies that shouldn't have participated. I think some have already made efforts to repay the program. In the event you read about this it's important to know that we did not participate and have no intention to. The program was principally established to help those small companies in desperate need overcome hardship in the short-term through no fault of their own.
Now to the markets. I'd like to elaborate on the concept of momentum in the markets that we discussed in our previous Weekly Update. Short-termism, or speculating, is now more prevalent than ever. Algorithms that determine in a nanosecond what and when to trade coupled with new trading platforms, like Robinhood, that allow speculators (not investors) to buy/sell fractional shares without any fee, and at any time, have given rise to greater speculation and, hence, much more short-term volatility. For the moment, it's important for long-term investors to ignore the significant volatility in the markets. It's sometimes hard but it's here to stay for a while.
Benjamin Graham, the father of value investing and Warren Buffett's mentor, once said "In the short run the market is a voting machine but in the long run it is a weighing machine."
Let's continue to concentrate on the long-run. And not just with the financial markets but also in our day-to-day lives. Either way, it always seems to come down to how we place value on something.
All the best,
James K. Tonrey, Jr.
Partner/Chief Executive Officer
Dear Clients,
Markets keep moving to the upside despite all that we have going on around us. We've written about this phenomenon a few times but it's important to revisit. Financial markets will swing in one direction or another like a pendulum. Momentum plays a very important role in the short-run, as investors emotional fear of missing out (FOMO) can significantly provide fuel for further, yet at times, unwarranted price action. Portfolio managers of large pension plans and mutual funds, who have been underweight equities due to the pandemic, now begin their catch-up.
Here are the year-to-date performances, including dividends, of the three major indices through Monday:
(Dow) -2.27% ( S&P 500) +.94% (Nasdaq) +10.61%
The S&P 500 index is up around 47% from the March lows. At one point, the index was down over 30%. Certainly, the betting is that we overshot to the downside in March and that the reopening of our economy should provide something like a V shaped recovery. We'll see. In the short-run, the risk at the moment, after this incredible run, should be to the downside. Or more than likely, at a minimum, a pause. Trees simply don't grow to the sky.
The one variable that has spurred this confidence and resultant price momentum, and one that investors should keep front and center, is the coordinated efforts of the Federal Reserve Banks around the world to backstop any market liquidity issues. A tremendous amount of money has found its way, not only to people that need and will use it, but also with speculators into the financial markets. We always talk about unintended consequences, especially when it comes to the Fed. It is something to keep an eye on as we watch further action by our Fed as to when they begin the process of taking away the "punch bowl." The Fed is well aware of undoing anything too quickly or without properly communicating, well in advance, their intentions. As they say, at least for the time being, don't fight the Fed is usually prudent advice.
When dealing with today's complex financial markets, sometimes it's just best to…
"Don't do something, just stand there."
Let us know if you need anything.
James K. Tonrey, Jr.
Partner/Chief Executive Officer
Dear Clients,
As of this writing, the S&P 500 index is only down around 4% for the year, after experiencing an up 30% last year. All this in light of what is going on in our world at the moment, adding to a wall of worry.
Something that is often overlooked by the average investor is the effect of compounding. Warren Buffett once said that "Compound interest is such a powerful yet neglected idea, that Albert Einstein famously called it the eighth wonder of the world. He who understands it earns it.….he who doesn't…pays it."
The total return on an investment account is the combination of interest + dividends + capital gains (losses). In other words, income + appreciation. Breaking it down even further, appreciation is a combination of inflation (companies raising prices through normal growth in the economy) and additional growth in a company through new products, mergers and acquisitions, excellent management, etc.. What gets under-appreciated is the magic of compounding over time.
For example, let's say a balanced investment account with $1M has an annual yield (interest + dividends) of 3%. At the end of the year the account will have generated $30k in income. Hopefully that will get reinvested. Let's further assume that the market, and thus the account, was flat that year. No appreciation, no depreciation. Beginning the following year, the account is now worth $1.03M and will have 3% of that amount reinvested, or $30,900. That will in turn get reinvested and away we go. You get the point, compounding portfolio income on portfolio income. Over time that adds tremendous value, possibly even more than the potential capital appreciation component. This doesn't even take into account that income through dividends can, and usually does, increase year over year. Investors who flee the markets at difficult times will never benefit from this "eighth wonder of the world" calculus.
This is why it is so important for those of us a number of years away from retirement, and drawing down funds, to stay the course. Counterintuitively, and this should not be lost on this important topic, we actually want markets to correct at times so we can reinvest this income at lower share prices, building even greater value creation down the road.
Week fourteen of these updates. It seems like longer. Here is hoping we can get back to some semblance of normalcy soon. All of us at Stillwater continue to wish you and your families the best. Once again, let us know if you need anything.
James K. Tonrey, Jr.
Partner/Chief Executive Officer
Dear Clients,
Financial markets continue to show resiliency in the face of historic unemployment numbers, main street businesses just starting to reopen, public companies suspending future revenue and profit guidance, friction between the U.S. and China, not only on the pandemic, but also on trade and now Hong Kong, and the global uncertainty on the path of the virus.
Investors are maybe learning more than they bargained for about how equity markets operate and just how untethered they can be, and remain, for extended periods of time. John Maynard Keynes, noted economist, said, "Markets can stay irrational longer than you can stay solvent." Simply stated, investors can do all the fundamental research they want and come to an educated, logical conclusion that a particular stock or sector of the market is undervalued. But they could be terribly wrong on the timing of when to buy and/or sell. That is why trying to game the markets has always been a difficult challenge, even for our largest institutions.
The next few months, in particular, will be a tell as to whether we revisit some of the lows in the markets (day after day a lower probability) or they continue to hold their own and chug along. Although there are a number of creditable variables, such as the upcoming election, that will provide fodder. The virus is, and will remain, the most important predictor of future equity market movements. Just how quickly we can get back to some sort of "new normal" is really what will drive this debate. And then how that will take shape.
Indeed, it is Groundhog Day for most of us. Wash, rinse, and repeat. But here is something to ponder. Ever wonder how miraculous the human body compensates and recalibrates so effectively when we lose something? Studies have shown that a person who lost sight has their other senses, like hearing, become more acute. We adapt. And that is what we are doing now. We've lost some of our freedoms, our routines, our ways of life. In doing so, however, we've gained a greater sense of an appreciation of the little things in our lives that sometimes, and frequently, we overlook and take for granted. Maybe a silver lining.
Hope you and your family are well. Let us know if you need anything.
James K. Tonrey, Jr.
Partner/Chief Executive Officer
"When this old world starts to getting me down, and people are just too much for me to face.
I climb way up to the top of the stairs, and all my cares just drift into space.
On the roof, it's peaceful as can be, and there the world below can't bother me".
Up on the Roof
Written by Gerry Goffin and Carole King
Recorded in 1962 by the Drifters
Dear Clients,
Financial markets are reacting daily to any news on the virus front. This week there was good news that a biopharmaceutical company has had some very positive success in initial trials for their vaccine. They will be moving on to further trials. Markets opened significantly higher. As we have all recently lived through, however, any negative news will just as likely have sellers heading for the exits. Either way, long-term investors need to take any news in stride in the short-term.
The volatility index (VIX), which measures implied volatility in the futures markets, has declined precipitously over the past few weeks. This is reflecting a more normalized pattern of trading. Usually when this index is high, price volatility spikes, and markets come under considerable pressure. Returning to less volatility is a good sign for the average investor. Markets are now beginning to turn attention to how the country opens back up economically, and, importantly, how the virus reacts.
It has certainly been a see-saw ride over the past couple months. In March, the S&P 500 index experienced its fastest drop in history of 30% from a record high. Markets, like a pendulum, always seem to overcorrect to the upside as well as the downside. The S&P 500 index has since sprinted back up over 35%. Currently, the index is only down around 8% year-to-date and actually up over 3% over the past twelve months. No one really knows where markets will go in the short-run. Here is a quote from a veteran market pundit that pretty much sums up where traders are at the moment. "What's clear, though, is that anyone buttressing a positive case by claiming "everyone is bearish" and those calling for deep downside on the notion that "everyone is too bullish" are equally unreliable at the moment." I'm heading out to my office roof deck now.
Continue to stay well and centered,
James K. Tonrey, Jr.
Partner/Chief Executive Officer
Dear Clients,
As most of you know, I'm originally from Boston and worked there for over twenty years before moving our family to Minnesota. During that time, I enjoyed season tickets to the Boston Pops Orchestra. The highlight each year was their Holiday Concert. For a short period, I got to know Grant Llewellyn, who was a conductor at the time. He is now the conductor of the North Carolina Symphony. Anyway…..below is a video I wanted to share with you. It put a smile on my face. I thought maybe the same for you. Sit back, turn it up loud, and enjoy these fabulous musicians. It will only take eight minutes out of your day. You can click to skip the intro. advertising.
Keep the faith,
James K. Tonrey, Jr.
Partner/Chief Executive Officer
Dear Clients,
We are on week #9 of our updates. Two months have gone by rather quickly in some ways and yet it seems hard to remember what life was like before our social distancing and stay-at-home directives.
Much has transpired in the markets over the past few months. Let's take a look under the hood of the equity markets to see where we've been and where we stand at the moment. Here is the S&P 500 index scorecard by month, including the reinvestment of dividends.
January (.04%) February (8.23%) March (12.35%) April +12.82%
Year-to-date, through April, the S&P 500 index is down 9.29%. Monday, March 23rd marked the low point when it was down 30% for the year. Speculators who sold around that date will have a very difficult time recapturing these lost gains. Unless we revisit the lows.
Something to consider. In 2019, the S&P 500 index was up over 31%, quite unexpected. Most market analysts had a number closer to 8% – 10%, considering the bull market had already run for over a decade. Corporate earnings seemed more in line with these estimates. If one stepped back from the current decline and took a more macro, and frankly, more reasonable, approach, they would notice that the S&P 500 index is up over 18% over the past 16 months, since 12/31/18. That's a pretty healthy return, even in light of the recent volatility and decline.
Market participants need to realize a few things when it comes to trying to understand the equity markets. First, there is an old saying, markets take the stairs up and the elevator down. And that is why we react so emotionally when times get tough. We get used to a steady climb only to have the rug get pulled out from under us. And usually very quickly. To make matters worse, humans react twice as emotional to a loss than a gain.
Secondly, there usually is a disconnect between the equity markets and the underlying economy. Markets tend to look 9-12 months into the future and discount projected values to the present. That is why we can experience markets running to the upside when current headlines seem rather negative. There is an anticipation by investors that times will get better.
The eternal optimist in me asks that you not stress about the markets. Corrections of between 10% – 20% happen in "normal" times. In terms of the markets, we'll get through this. It will be a bit choppy but as Warren Buffett just said at his annual shareholder meeting………..
Never bet against America.
Stay safe.
James K. Tonrey, Jr.
Partner/Chief Executive Officer
Dear Clients,
Something that has always fascinated me over the many years, working with families and their financial assets, is how near-term events, both positive and negative, can affect our long-term views. Many academic studies have shown that a person's ability to envision the future is strongly influenced by their past. Simply stated, we seem to rely on our current and past experiences as a predictor of what the future may look like. And we make decisions, big and small, based on that perception.
This behavior emerges both in good and bad financial markets. People tend to send more money into their accounts, to be invested, when the financial markets are rocking to the upside (buying high) and, conversely, ask to have positions unwound when markets correct (sell lower). It's human nature. But that doesn't make it an advisable, pragmatic, long-term investing strategy. By making emotionally driven decisions, an investor will miss out on reinvestment of dividends at lower prices (compounding is a very significant component to future growth of capital), as well as not knowing exactly when to step back up the plate. They remain in the on-deck circle far too long and, invariably, miss out once again.
Although we are in a very uncertain period in our lives, and fear certainly can rule the day, what we do know is that we will get through this. We don't know when, or for how long, we will remain in suspended animation. Nevertheless, we should make prudent, thoughtful decisions, financial and otherwise, based on a positive outcome. Assuredly, short-termism, uncertainty, and resultant fears will rear their ugly head to convince us otherwise. Just don't let them win. Always bet on optimism.
Stay safe and we're here to help in any way.
Dear Clients,
"When something bad happens, you have three choices. You can either let it define you, let it destroy you, or you can let it strengthen you." – Dr. Seuss
One of the most frequently asked questions we get during trying times is…… "how much should I have in cash and equivalent securities to ride out a difficult market so I don't have to sell equities?"
Although the answer depends on a number of variables, let's keep it simple and break it down into two groups; people that are still working and have at least a couple years before they retire and those that are in retirement drawing down their portfolios.
If you are still working, a general rule of thumb is to keep 9-12 months of expenses in readily available money like cash, CD's, treasuries, maybe even some high-quality shorter-term bonds. Let's say monthly expenses are $8k. An individual then should have up to around $96k set aside. For those in retirement, the calculation should be a bit more conservative since they are drawing down their portfolios and not adding to them. A good benchmark is 18-24 months of liquid assets. Using this same example, then around $144k – $192k in safe, available cash and fixed income vehicles should be considered. While riding out a storm it is not advisable to sell assets, like stocks, where prices have declined dramatically.
One of the hardest things to get our heads around while in the midst of a market correction is to envision a better day. Fear, our reaction to fight or flight due to uncertainty, plays such a large part. Needless to say, we should side with the great investor, Dr. Seuss. To take the high road and to have our difficult times enlighten and strengthen and not destroy or define us.
Let us know if you need anything.
James K. Tonrey, Jr.
Partner/Chief Executive Officer
Dear Clients,
Over the past month or so I've hesitated to write about the financial markets, generally, due to the nature of the health crisis we face. It's a balance to focus our energies and thoughts with the communities, families, and individuals most affected by this virus while at the same time add some narrative as to where the markets are currently priced and may be heading. Even though, at best, that's a tough call when markets are considered "normal."
Caution it seems is at every turn. The good news is that our financial markets, though stressed to limits not seen since '08, have worked in a somewhat orderly fashion. The equity markets have performed fairly well (from a trading/liquidity perspective) in light of the tremendous volatility experienced. The fixed income markets, on the other hand, have had their moments over the past few weeks as credit seized up in certain riskier areas. The Federal Reserve Bank stepped in quickly, and backstopped with words and actions, these anomalies. Although still volatile, the markets are functioning much better.
The equity market, as benchmarked by the S&P 500 index, is down around 18% year-to-date. Where we go from here is really anyone's guess. It is important to remember, and emphasize, that this is a health crisis first and foremost. We can argue that stocks were overvalued prior. Nevertheless, the financial shock experienced was principally due to a virus and the extreme uncertainty it presents. Typically, markets off major corrections like these rebound quickly to retrench about 50% of its lost value. And that is what we are seeing now. Equities were off around 38% from the high and now are trading around half that loss. The remaining loss is where the hard work begins and it can take quite a while to regain. In this particular case, the markets will react to positive news on any treatment and/or, especially, a vaccine. In my opinion that will be the only true, sustainable catalyst that moves the markets higher in the near-term.
While we wait and make good use of the time we have, it is important that we take care of our mental health as much as our financial health. The markets, outside of our allocation decisions, are out of anyone's control. And they will come back. It's our mental health that we can control. Maybe spend more time on repairing and/or strengthening relationships, listening a bit more closely to others with differing opinions, and planning, in some way, to help those around us that will certainly need it in the months ahead. If we do these simple things then all the hardship may have been worth it.
Keep the faith,
James K. Tonrey, Jr.
Partner/Chief Executive Officer
Dear Clients,
Our office hours through the month of April are:
Monday and Wednesday – 8:30 am – 3:00 pm
Tuesday and Thursday – office closed. Working remotely.
Friday – 8:30 am – Noon
We will reevaluate again at the beginning of May. Also, please note that our office (and the Stock Markets) will be completely closed this Friday, April 10.
As many of you are aware, we modeled our business after two titans in the industry; John Bogle, Vanguard Group founder and Warren Buffett, Berkshire Hathaway, CEO and founder. Here is a link to a recent article that articulates how we view investing at this time as well.
I thought that I would highlight two hypothetical conversations to further illustrate how fear and long-term investing do not partner very well.
1) A fifty-five year-old fellow is anticipating retiring at age sixty-two, seven years from now. His retirement portfolio is balanced and is down around 14% this year. He is considering stopping his 401(k) contributions into equities and he's also thinking he'd like to lower his overall equity exposure from 65% to 35%. He's concerned about having enough money for retirement. I tell him that now would not be the time to stop monthly 401(k) contributions into equities but actually a more advantageous time to buy since prices are down substantially from just a few months back. Secondly, and I hear this quite often, he says, "But I need to lower my equity exposure since I'll be retiring in seven years." I remind him that retirement is only a date. Simply that, a point in time. I then remind him that he needs to plan not just for the date he officially retires at but for all the years while in retirement. His investment time horizon is really around thirty years, not seven. And, he needs the money to grow to support his life style. He also only plans to withdraw 3% of his portfolio at sixty-two. I tell him to stay the course as hard as the short-term is and not make any big decisions during a market correction.
2) The second conversation is with a young lady. She mentions right away how she has lost $75k this year due to the stock market. She also recently just bought a house for $500k. I ask her what the value of her home is now, if she could sell it. She says probably at least 10% lower or $450k. I then ask her if she feels that she has lost that value. Her response, "of course not because I'll only lose it if I sell." Investors react differently with their stock ownership versus other assets. The simple reason is that we can now trade our accounts while sitting at home, on our couches, and in our pajamas. Within a few minutes we can sell everything in sight and, even better, at no trading costs anymore. But at such opportunity cost, since study after study have shown the average retail investor will lose trying to time the market. It's been said, and bears repeating, that it's not timing the market, it is time in the market.
Continue to stay-at-home, social distance, and think long-term. We will get through this together. And the sun will shine ever brighter.
Dear Client,
Our company has been operating very well given the circumstances. We each come into the office at various times and are working from home while responding to your needs like we always have.
On that note, it is important that I mention what some of you may be thinking. Stillwater Investment Management is open for business and financially not under the pressure that a lot of other small businesses face today. We have no debt, bill our clients in arrears so everyday accruing revenue, low fixed costs, and have one of the most solid balance sheets in our industry. As the CEO, I have taken great pride over the years building an incredible practice, the right way, with some of the best people our industry has to offer. The markets would have to go down substantially from here, and stay down for many, many years, before we would have any issues. With all the concerns we have on our plates at the moment, this is not one of them.
Something to ponder. Here is a statement from Warren Buffett a few years back from an annual Berkshire meeting:
"Imagine yourself back on March 11, 1942. I'd like you to imagine that at that time you had invested $10,000 to hold a piece of American business and never looked at another stock quote. You'd have $51 million (now) and you wouldn't have had to do anything. All you had to do was figure that America was going to do well over time, that we would overcome the current difficulties. It's just remarkable to me that we have operated in this country with the greatest tailwind at our back."
We plan to mail your quarterly reports next week and will let you know if anything changes.
Stay well.
James K. Tonrey, Jr.
Partner/Chief Executive Officer
Dear Client,
One positive that comes out of our social distancing and stay-at-home is that we get a chance to think a bit more.
I was reminded recently of Shakespeare's Hamlet, where the father, Polonius, offers advice to his young son, Laertes, who is embarking on a journey from home for the first time. Among the many sage pieces of advice, Polonius conveys these that seem relevant today while we reevaluate our daily routines and the future.
Listen to many people. Hear everyone's opinion. Take the time to listen to everyone's opinion, their hopes and dreams, their fears. We all have a story to tell. Take the time to hurt for the homeless when it rains outside for that will always be a gentle reminder of how fortunate you are. Always be kind.
Don't blurt out what you're thinking. Don't be quick to pick a fight, but once you're in one hold your own. Have the courage of your own convictions. Stay with what you believe even if in the short-term it's difficult. Never let anyone define you. You define you.
Above all, be true to yourself. What is important to you? How can you use your considerable and unique skills to make a positive impact in the world?
And one last very important point my friend Polonius forgot to mention. Always take the time to give back, to your family, your friends, your community, to those who have influenced you. And when you do never ask for anything in return. Do it because it's right. The positive energy you expend will come back to you and those you love exponentially. It's an unspoken law of the universe.
And that's where I'd like to end. Not about the price action of these unsettling financial markets or what I think about investing in technology stocks versus utilities, but rather about taking the time to give back. Our system of capitalism works like a three-legged stool: governments doing their part, corporations doing their part, and, most importantly, individuals doing their part.
There will be individuals, families, and small businesses in our local communities that will need our help over the coming months due to no fault of their own. Think about how you can help. Whether by your considerable resources or your time.
Remember that to have lived a full life, you must give something to someone who will never be able to repay you.
Stay well.
James K. Tonrey, Jr.
Partner/Chief Executive Officer
Dear Clients,
We want to try to reach out to you every week with any news or updates we feel are important to pass along.
Financial markets are obviously reacting to news everyday about the virus and its spread. This past week we experienced more panic selling, which can be interpreted in two ways. Either we are nearing a capitulation, and possibly somewhere around a bottom, or we are not quite there yet. Continue to expect very sharp swings, both to the upside and downside, as we move forward. Trying to time this market is not only difficult but nearly impossible. One day on the sidelines could end up costing an investor 10%, which only adds to more anxiety. To those of you who need funds over the next few months to year-end, we have tried to set aside cash and fixed income to accommodate these anticipated withdrawals. For those of you who don't need to withdraw any money in the near future, as difficult as it is, try to remain focused on the longer-term. We have every reason to believe markets will begin to function in a more normal pattern.
As to our office, we plan to be in every day until further notice. As part of our company disaster recovery plan, we are prepared to work remotely and have contingencies in place. We will let you know if/when that happens. You can call our office and leave a message. One of us will promptly call you back. We also will continue to have direct access to our custodians, Charles Schwab and TD Ameritrade.
Let us know if you need anything at this time. Remain calm and vigilant.
James K. Tonrey, Jr.
Partner/Chief Executive Officer
To Our Valued Clients,
Given the current unprecedented and sharp market swings due to the coronavirus, as well as the precipitous drop in oil prices, we wanted to reach out to you.
It is possible that, over the near-term, news surrounding the virus will get worse before it starts to get better. Expect financial markets to react accordingly with volatility and large daily price changes. Long-term investors, while certainly concerned, should not panic. If history can be a guide, once we see our way through this crisis, markets have a way of price correcting and snapping back. And sometimes very quickly.
Our firm is here and prepared to help you through this difficult time. For those of you taking distributions, this is an important example of why we diversify and use fixed income as part of your portfolios. As we get through the next few months, these will be the source of funds so equities do not need to be sold until markets find equilibrium.
For the past thirty-eight years, I have personally worked helping individuals and their families navigate some pretty difficult times. And every time, together, we came out on the other side just fine. I intend to keep that streak going.
Let us know if you need anything. And take this time to reflect on what is truly important.
All the best,
James K. Tonrey, Jr.
Partner/Chief Executive Officer


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20 Fascinating Facts from Behind the Scenes of Outlander
It would be impossible to unveil some Outlander trivia and fun facts without some spoilers, so here is your warning. Season 1 is discussed. Spoilers within.
If you think that Game of Thrones is the only show filled with sex, war, sadism, and political positioning, you haven't seen Outlander yet. In 2014, Diana Gabaldon's bestselling series came to life in the hands of Executive Producer Ronald D. Moore. Fans have been learning Gaelic and clutching their plaid ever since.
Sure, Sam Heughan isn't the spitting image of the Jamie Fraser of the books, but no one on Earth can be that Jamie. No one's complaining about Heughan's looks or skill as an actor, BTW. On the contrary, Heughan and co-star Caitriona Balfe and Tobias Menzies are winning Outlander fans over with their vivid depictions of Jamie, Claire, and Frank/Blackjack.
We've gathered some fun facts about Outlander that you may or may not know. This list is both for devoted Outlander fans and curious TV watchers wondering if they should watch the series. Dinna fash. There's something for everyone. If you like what you read, be sure to check out other shows like Outlander as well.
Heughan is a sci-fi nerd and was anxious to work with Ron Moore because he was such a big fan of his work on Battlestar Galactica and Star Trek. After the show got going, he would try to pick Moore's brain and discuss his worldview from a sci-fi perspective.Source: E! Online
If you want to learn about the 1700s Highlands, you've come to the right place. Prepare to learn all kinds of facts from Outlander but you also get to see action and nakedness. You're welcome.Source: E! Online
There's definitely sex in the books and on screen - not gratuitous - and Ron Moore has not been shy about bringing those scenes to the screen. For Claire and Jamie Fraser's wedding night - he's a virgin - Caitriona Balfe and Sam Heughan had to be naked in front of a crew of around 16.
Heughan said that his modesty patch didn't really help much and it was really tricky trying to capture the mood. But you'd never be able to tell it from watching the episode.Source: Professional Fangirls
As his last project, Battlestar Galactica ended, Outlander Executive Producer Ronald D. Moore's wife, Terry Dresbach, and his producing partner, Maril Davis, convinced him to read the Outlander books by Diana Gabaldon. Moore read the first book and realized that he had his next project.Source: Collider

subset: commoncrawl


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Principal Investigator
Palo Alto Medical Foundation
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Related Studies
Advance Care Planning Practices in Caring for Vulnerable Elders with Multiple Chronic Conditions
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Cardiovascular Disease Among Asians and Pacific Islanders (CASPER)
Investigators: External PI, Principal Investigator, Jiang Li, Ph.D., MPH
Clinical MRI of Peripheral Arterial Disease
Investigator: Bob S. Hu, M.D.
Comprehensive Assessment of Valvular Function with MRI
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Culturally Adapted DPP [Diabetes Prevention Program] Intervention for Mexican Americans in Primary Care: An RCT [randomized controlled trial]
HOMBRE (Hombres con Opciones para Mejorar el Bienestar y bajar el Riesgo de Enfermedades crónicas)
Investigator: Kristen M.J. Azar, R.N., BSN, MSN/MPH
Prevalence, Treatment and Outcomes of Asian Subgroups with Coronary Artery Disease in the U.S.
Investigators: External PI, Principal Investigator, Jiang Li, Ph.D., MPH
Research Aimed at Improving Both Mood and Weight (RAINBOW)
Statin Use and Risk Prediction of Atherosclerotic Cardiovascular Disease in Minority Subgroups (SURPASS) Study
Investigators: External PI, Principal Investigator, Jiang Li, Ph.D., MPH
The Impact of Smoking, Comorbidities, and Race/Ethnicity on COVID-19 Infection and Disease Severity
Investigator: Jiang Li, Ph.D., MPH


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輕鬆塗上Gressa或其他您喜歡的眼影。Apply the Gressa Eye Tint, or any of your favorite eye shadows, with this unique brush.
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COVID-19 - All stores and online operating as usual.
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Archive for March, 2018
Change Maker. Happy Dance!Page 12! My giant colouring book mural "Life in Colour" – that was at the Beaty Biodiversity Museum at the University of British Columbia – is in BC Museums Roundup Magazine for its Change Makers: Making a Difference issue. Have a look: Change Maker. Happy dance!Read More
Magical Video of Graniti Murales ExperienceThis brand new video created by Jenn Brisson – a member of 13 Feet off the Ground – really tells the story…enjoy! Painting in Graniti, Sicily for Graniti Murales – Fall 2017. I am thrilled to share with you the results of my recent mural project in Italy! As a happy member of 13 Feet off the Ground, a newly formed collective of […]Read More
Copyright 2020 Angela Gooliaff Artist
Web Design & Development by StrayKat
- Our Moggy May 26, 2020
- Make Art While Apart May 14, 2020
- The Little Girl Who Stayed up Late May 14, 2020
- Sending Smiles April 19, 2020


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No End of Computer History (Yet)
At USV we have been discussing a cooling internet universe for several years now. We have largely stayed away from backing strictly sales driven companies as they are exposed to competitors who can spend more money on sales and marketing. [...] Read more
What We're Learning About How We Learn
The rapid transition to remote schooling has supercharged trends in online learning -- it's possible that 3-5 years of behavior change has been condensed into a few short weeks. More independent/self-guided learning has required not only a re-thinking of curriculum [...] Read more
The Education Transformation
10 years ago, in March 2009, USV hosted an event called Hacking Education. The team pulled together a group of operators, founders, and investors to talk about how to create transformation in education. Following the event, my partner Brad wrote [...] Read more
Recount Media
Eighteen months ago, I had breakfast with John Heilemann and he told me that his world, political media, was challenged in the shift from linear television (ie cable news) to real-time mobile (ie Twitter). He saw an opportunity to address [...] Read more
Welcoming Outschool to USV
In the last 25 years, the growth and increased convenience of commercial internet has fundamentally changed how we live most aspects of our lives. It has created new ways for us to connect and transact, and it has turned massive [...] Read more
Education By The Numbers
We have been spending a fair bit of time thinking about education in the US and wanted to share some of what we've learned so far. Below is a deck with some of the data we've come across, and broadly [...] Read more
Free Learning
There is an aptitude test that measures creativity by asking people to name use cases for objects such as a paper clip. People who score in the genius category not only come up with many use cases for a paper clip, they [...] Read more
Education Statistics
Julia Dahl tweeted an amazing graph showing how the number of people working in administrative roles in health care is skyrocketing: Julia [email protected] to @AnandWrites Only 9% goes to payment for physicians. The cost of physicians has not significantly increased [...] Read more
The opportunity for learning & development at scale
Millennial employees are less drawn to the perks of their parents' generation, like company-funded pensions, and more motivated by flexibility, autonomy, and access to the newest technology (cool offices help, too). One thing that has remained unchanged, though, is the [...] Read more


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News By Tag
* Anchors
* Fall Protection Anchor
* Height Safety Anchor
* Detent Anchor
* Anchorages
* Fall Protection
* More Tags...
Industry News
News By Place
Industry News
Capital Safety Australia Introduces The Concrete Detent Anchor
Versatile fall protection anchor ideal for general concrete construction and maintenance on existing structures!
By: Capital Safety
Constructed from rugged, corrosion-resistant stainless steel, the Detent Anchor provides a simple and safe solution that allows users to connect and disconnect from an anchorage with the push of a button. The anchor consists of two parts: a socket that is permanently installed in concrete; and a removable detent pin with attached connection ring that is placed into the socket to form a secure, fall-arrest-
"Most concrete construction sites require a number of different anchorage points for personal fall arrest systems," said Greg Peterson, Systems Manager for Capital Safety, Australia and New Zealand. "Capital Safety developed the concrete detent anchor to be used not only during construction, but also for ongoing maintenance and inspection, making it an ideal end-to-end solution."
With the detent pin weighing in at less than one kilogram, the concrete detent anchor may be the most lightweight and portable anchor option for concrete construction and maintenance. Detent push-button operation makes anchor installation and removal simple. The user holds down the button while inserting the pin into a socket preset in concrete. Releasing the button locks the pin into place, securing the anchorage. To disconnect, simply push the button and the pin will be released from the socket. When a socket is not in use, a cap covers the recess, ensuring building aesthetics are not compromised.
Shock absorbing lanyards and self retracting lifelines can be connected to the forged connection ring on the detent pin. For added functionality, two anchors can be used as the endpoints for a horizontal lifeline system.
For more information on the Concrete Detent Anchor call us on 1800 245 002 (AUS), 0800 212 505 (NZ) or visit www.capitalsafety.com.
Capital Safety, the world's leading designer and manufacturer of height safety, confined space and industrial rescue equipment with 9 operating sites worldwide, is home of the DBI-SALA and PROTECTA brands.
# # #
About Capital Safety: Capital Safety is the world's leading designer and manufacturer solely dedicated to providing innovative solutions in fall protection - offering absolute confidence, safety and peace of mind through our leading operating brands; DBI-SALA and PROTECTA.
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New Members
Employment & Payroll
Monday through Friday, 8:30AM-5:00PM
Driving Directions:
Near the Mall at Whitney Field
About Us
Appleseed Personnel Services is a full-service staffing firm dedicated to finding the right employee for the right job since 1984. We are locally owned and operated, and committed to the success of businesses in our community. Temporary, temp-to-hire, or direct placement, Appleseed Personnel is the perfect solution to all your staffing needs.
Production Position
Category: Other
Production position in Shirley area, 1st and 2nd shifts, and weekends required in rotating 12 hour shifts (3 days on and 4 days off – Week 1, 4 days on and 3 days off – Week 2) Production Leader in Shirley area (Bi-lingual English/Spanish), 1st and 2nd shifts, weekends required, 12 hour rotating shifts (see above).
Injection Molding Machine Operator
Category: Other
Injection Molding Machine Operator in Westminster area, rotating 12 hour shifts, experience required. Ability to speak and understand English a must, ability to lift up to 50lbs, temp-to-hire.
Mill Helper
Category: Other
Mill Helper in Acton area, 10 hour shifts, Monday through Thursday, must be able to read a tape measure and lift up to 50lbs.
Shop Supervisor
Category: Other
Shop Supervisor in Fitchburg area, full-time days, possible temp-to-hire. Candidate should have inventory management experience, good organizational skills and general computer knowledge. Experience with CNC and fabrication is a plus. Resume is required.
Inside Sales Rep
Category: Other
Inside Sales Rep - Fitchburg area. Full-time temp to hire position. Must have great customer service skills, be detail-oriented, and a multitasker in a fast-paced environment.
Shop Worker
Category: Other
Shop Worker - Fitchburg area Fitchburg area, Full-time days, occasional overtime. Familiarity with CNC and fabrication a must.
Category: Other
Packers - Gardner area. 1st & 2nd shift full time. Fast-paced environment.
Category: Other
Slaughterer/Butcher - Groton area. Day shift. Call us for more details at 978-534-6629.
Shipping & Receiving
Category: Other
Shipping & Receiving - Fitchburg area. Temp to a permanent position. 1st shift Mon-Fri 7:30-4:30 plus overtime. Some experience a must.
Machine Operator
Category: Other
Machine Operator - Gardner area Full-time days. 1st and 2nd shift positions. Must have machine operating experience.
Senior Coating Technician
Category: Other
Senior Coating Technician - Full-time days, must have a minimum experience of 5 yrs in optical thin film processes.
Quality Control Inspector
Category: Other
Quality Control Inspector 3+ years of experience in quality inspection. Full-time days.
Senior Optics Technician
Category: Other
Senior Optics Technician Minimum 5 years in an optical manufacturing environment. full-time days.
Punch Press Operator
Category: Other
Punch Press Operator - Orange Area Temp to hire. Must have a working knowledge of adjustable precision measuring tools and work according to OSHA standards.


text:
Best Universities for
Academic studies in education
Join StudentCrowd, Like us on Facebook
3 Academic studies in education reviews at Cardiff Metropolitan University
Educational Studies & English, BA Hons
Totally Unexpected Experience Nothing is good
Early Childhood Studies and Literacy, BA Hons
Educational Studies & Early Childhood Studies, BA Hons
Really good course if you're interested in becoming a teacher or working in the child sector! The course was full time although judging by the hours we were actually in lectures/seminars per week, this can be disputed! Tutors could not be faulted in the way that sessions were given & theres always help availavle when needed! I really enjoyed this course and would highly recommend


text:
General Virtual Meeting Questions
What is a live, virtual event?
Endocrine University will be held in a live and virtual environment - entirely over the internet through a conference website. Attendees will be able to attend live presentations, access course materials and interact with speakers from their computers.
What are the technical requirements needed to participate?
This virtual event is optimized to be accessed on your desktop or laptop computer. Participation requires access to a stable internet connection through your computer's web browser. If you participate in the Q&A portion of the sessions, you will be required to have microphone.
Membership and Eligibility Questions
Who is eligible to attend Endocrine University?
Endocrine University is open to all endocrine Fellows-in-Training who are in the United States and are members of AACE.
Click here to read more about registration and attendance for international members of AACE.
How do I register for Endocrine University?
All program directors will be sent a code to give to their final year fellows to use to register. The registration code should only be shared with final year fellows who have been approved by their program director in advance to attend.
Do I need to be nominated in order to register?
No, you no longer need to be nominated in order to register to attend Endocrine University.
Do I need to be a member of AACE in order to attend?
Yes, all fellows must be AACE members in order to participate. Membership is $50 and may be completed through this link: https://www.aace.com/membership/become-part-worlds-largest-endocrine-community
I'm not a final year fellow; can I still attend the November program? Can final year fellows attend the February program?
Registration for the November program will be restricted to final year fellows. Should space allow, it will then be opened to first year fellows. For the February program, registration will be limited to first year fellows initially, then opened to final year fellows should space permit additional attendance.
Registration Questions
What if I can't attend? What is the cancellation policy?
All cancellations must be received in writing and sent to [email protected] by October 30, 2020 in order to receive a full refund. All refunded registrations will not have access to on-demand recordings at the conclusion of the event. On-demand session recordings will be available for purchase shortly after.
What does the registration fee include?
The registration fee of $XXX includes access to live, virtual sessions and content, access to on-demand content after the meeting.
I live outside the United States; can I still register and attend?
Yes. The content presented at Endocrine University is very specific to the American system of healthcare, so it may not be as relevant for anyone practicing overseas. Attendees outside of the United States will not be eligible to receive CME or MOC.
OLD COPY ->No. The content presented at Endocrine University is very specific to the American system of healthcare. It would not be as relevant for anyone practicing overseas.
I waited too long and registration is now closed. Can I still attend?
You will be notified if a spot becomes available. If you were unable to register in time, on-demand sessions will be available for purchase on XXX.
Virtual Attendance Questions
Do I need to stay for the entire time?
Yes, participants are required to be present for all sessions during the live, virtual event.
What time zone will the live, virtual sessions take place?
Eastern Standard Time (EST). The first session begins Friday, November 13, 2020 at 9:30 am EST.
Will I still be able to interact with speakers and moderators during the event?
Yes. Speakers and moderators will be available during the Q&A portion of their sessions. Attendees will also be able to interact with speakers and moderators during breakout sessions.
Will I still be able to interact with industry sponsors during the event?
Yes. There are dedicated breaks in between sessions and you are encouraged to visit and interact with our industry sponsors.
Will the virtual sessions be recorded?
Yes. All attendees that register for and attend the live, virtual sessions will have complete access to the on-demand content.
Members that did not register and attend the live, virtual sessions will be able to purchase the session recordings on aace.com shortly after the event has concluded.
How many CME credits can I claim?
You may claim 1 AMA PRA Category 1 Credit™ for every 60 minutes of learning. All credit claiming is through AACE's online Learning Management System. It is up to the individual claim the correct number of credits earned. Further instructions on credit claiming will be provided at the program.


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Performer: Children of Dub
Title: Adrenochrome
Style: Ambient Dub,Club/Dance,Trip-Hop,Techno
Relesed: May 27, 1996
Rating: 4.4
Votes: 255
Other formats: MPC VOC AUD MP3 WMA MIDI
Download and listen online Adrenochrome by Children Of DUB. Genre - Techno. On this page you can download song Children Of DUB - Adrenochrome in mp3 and listen online. Children Of DUB - Adrenochrome. Send lyrics Send translation Send music video.
Children Of Dub. Adrenochrome (CD, EP). Magick Eye Records. Children of Dub - Outer Space (DnB remix) 6:24. musikullus, grantcorp, RobMo, Pornflakes.
Children Of Dub - Adrenochrome, 06:48, . MB download mp3 full version here. Artist: Children Of Dub. Album: Chameleon. Download Children Of Dub - Adrenochrome. Chameleon: Best 2 songs. Children Of Dub - Floating on a Vibe of Infinite Depth 05:19.
Children Of Dub – Adrenochrome. Children Of Dub – Adrenochrome. Style: Trance, Dub, Drum n Bass.
ADRENOCHROME: The Blood Sacrifice Exposed. What exactly IS adrenochrome ? In scientific terms, it is a chemical that is produced in the human body when adrenaline oxidizes. How is the chemical extracted? A potential victim (usually a child) is terrorized, thus increasing the amount of adrenaline that is flowing through their body. They are then killed and the adrenochrome is collected with a needle and syringe from the base of the back of their neck and spinal column. Once collected, the chemical can be sold on the black market at exorbitant prices.
Check out Children of Dub on Beatport.
CD - Cleopatra 0092).
Adrenochrome (Sunburst mix) Children of Dub. Unknown Submit Tempo. We don't know the tempo for this song, sorry :( But wait, you do!


text:
£15,999 | BMW 3 Series 3.0 330d M Sport Auto (s/s) 4drOVER £10000 WORTH OF OPTIONS
Key factsPrint summary
Next MOT due 30/10/2019, Last serviced at 54,000 miles, Full service history, Excellent bodywork, Black Full leather interior - Excellent Condition, Tyre condition Good, Black, 2 owners, £15,999
This car comes with
Interior Comfort Package, M Sport Plus Package, Head-Up Display, Media Package - BMW Professional, M Sport Braking System, LED Headlights, Speaker System - Harman Kardon, Reversing Assist Camera, High-Beam Assistant, Sun Protection Glazing, 40-20-40 Split Folding Rear Seats, Head Restraints - Rear and Folding, Extended Storage, Seat Adjustment - Front Electric with Driver Memory, Seats - Front Heated, Adaptive M Sport Suspension, GENUINE M PERFORMANCE BODY STYLING, GHOST IMMOBILISER, STAFF MEMBERS OWN CAR, 6.5in Colour Display Screen, ASC - Automatic Stability Control, Air Conditioning - Automatic with Two-Zone Control, Airbags - Curtain, Airbags - Front Side, Airbags - Passenger, Alarm System Thatcham 1 with Remote Control, Automatically Dimming Rear View Mirror, BMW Navigation System, BMW TeleServices, Bluetooth Hands Free with USB Audio Interface, Bottle Holders - Front Door Storage Compartments, Brake Pre-Tensioning, CBC - Cornering Brake Control, Central Locking - Remote, Comfort Go Keyless Engine Start, Cruise Control with Brake Function, DAB Digital Radio, DSC - Dynamic Stability Control Plus, DTC - Dynamic Traction Control, Door Handle Lighting, Exhaust - Dual with Chrome Finisher, Exit Lighting - Front, Halogen Headlights, Headlights - Automatic Activation, Headlining - Anthracite, Heat Protection Glazing with Green Tint, Heated Windscreen Washer Jets, Humidity Sensor, Interior Trim - Aluminium Hexagon with Estoril Blue Finisher, LED Fog Lights - Front, LED Tailights, Luggage Compartment Light - LED, M Aerodynamic Bodystyling, M Sport Suspension, Non Smokers Package, PDC - Park Distance Control - Front and Rear, PDC - Park Distance Control - Rear, Personal Profile, Rain Sensor, Rear Fog Light - LED, Remote Control with Integrated Key with Insert in Blue, Servotronic Steering, Shark Fin Aerial, Solar Sensor, Sport Seats - Front, Steering Wheel - Leather - M Sport, TPMS - Tyre Pressure Monitoring, USB Audio Interface, Windscreen Wipers - Two-Speed with Adjustable Intervals, 19" alloy wheels, Bluetooth - Audio Streaming - with Compatible Devices, Drive Performance Control - ECO PRO - Comfort - Sport and Sport Plus
- 202003168475024
- 2015
- 65
- £15,999
- 1600
- 68,000
- Cars
- 3 Series
- DQr8sqpyqmk=
Technical specifications
Vehicle summary
|Body style
|Engine size
|2993 cc
|Fuel type
|Number of doors
|Number of seats
|Gearbox type
|Auto 8Spd
|CO2 emissions
|131 g/km
|Insurance group
|Standard manufacturer's warranty (miles)
|No details available
|Standard manufacturer's warranty (years)
|3 years
|Standard paintwork guarantee
|3 years
Performance & economy
|Fuel consumption (urban)
|48.7 mpg
|Fuel consumption (extra urban)
|61.4 mpg
|Fuel consumption (combined)
|56.5 mpg
|0 - 60 mph
|No details available
|Top speed
|155 mph
|Engine power
|254 bhp
|Engine torque
|413 lbs/ft
|1441 mm
|Height inclusive of roof rails
|No details available
|4633 mm
|2810 mm
|2031 mm
|Width including mirrors
|No details available
|Fuel tank capacity
|57 litres
|Minimum kerb weight
|1540 kg
|Interior features
|Exterior features
|12V Power Socket - Centre Console
|18in Alloy Wheels - Light M Star Spoke - 400M
|12V Power Socket - Passenger Footwell
|Bumpers - Body Colour
|6.5in Colour Display Screen
|Door Handle Lighting
|Active Carbon Microfilter
|Door Handles - Body Colour
|Air Conditioning - Automatic with Two-Zone Control
|Door Mirrors - Body Coloured
|Ambient Interior Lighting
|Door Mirrors - Electric and Heated - Aspheric Drivers Side
|Ambient Lighting - Switchable BMW Classic Orange - Cold White - LED
|Door Mirrors - Integrated Indicators
|Amplifier - 100 Watts
|Door Sill Finishers - Front - M Designation
|Armrest - Dakota Leather - Black
|Electric Windows - Front and Rear with Open-Close Fingertip Control
|Armrest - Front and Rear Integrated into Door Trim
|Exhaust Tailpipe - Chrome - Dual - Round - Left
|Armrest - Front with Storage Compartment
|Exterior Trim - High Gloss Shadowline
|Armrest - Rear Centre
|Four White LED Corona Rings
|Automatically Dimming Rear View Mirror
|Front Air Inlet with High-Gloss Black Finisher
|Auxiliary Input
|Heat Protection Glazing with Green Tint
|BMW Apps Interface
|Heated Windscreen Washer Jets
|BMW Emergency Call
|Indicator Lenses - Clear
|BMW Navigation System
|Kidney Grille - Chrome Extra-Wide High-Gloss Black Vertical Slats
|BMW Online Services
|LED Front Indicators
|BMW Professional Radio - Single CD and MP3
|M Aerodynamic Bodystyling
|Bluetooth - Audio Streaming - with Compatible Devices
|Model Designation
|Bluetooth Hands Free with USB Audio Interface
|Roof Mouldings - Body Colour
|Bottle Holders - Front Door Storage Compartments
|Run Flat Tyres
|Centre Console - Estoril Blue Matt
|Side Exterior M Designation Badges
|Comfort Go Keyless Engine Start
|Cup Holders - Front x2
|Cup Holders - Rear Armrest
|DAB Digital Radio
|Daytime Running Lights - LED
|Door Panel - Leatherette - Black
|Door Panels - Upper Arm Trim - Foam-Backed Foil Grained - Black
|Door Pull Handle - Estoril Blue Matt
|Exit Lighting - Front
|Extended Lighting
|Floor Carpet - Velour - Anthracite
|Floor Mats - Velour
|Follow Me Home Headlight Function
|Footwell Lights - Front and Rear
|Front Reading Lights using LED Technology
|Glove Compartment - Opener with Chrome Trim
|Grab Handles - in Roof Lining x4
|Handbrake and Gear Knob - Leather
|Head Restraints - Front and Rear
|Headlights - Automatic Activation
|Headlights - Beam Throw Control
|Headlining - Anthracite
|Headrests - Dakota Leather - Black
|High Level Third Brake Light
|Illuminated Vanity Mirrors for Driver and Passenger
|Incorrect Fuelling Protection System
|Instrument Panel - Estoril Blue Matt
|Instrument Panel - Lower Section - Plastic Grained - Black
|Instrument Panel - Upper Section - Plastic Grained - Black
|Interior Trim - A-B Pillar - Lower Section - Plastic - Black
|Interior Trim - A-B-C Pillar - Upper Section - Everest Grey
|Interior Trim - Aluminium Hexagon with Estoril Blue Finisher
|LED Fog Lights - Front
|LED Headlights
|LED Tailights
|Lashing Eyes in Luggage Compartment x4
|Luggage Compartment - Electric Unlocking via the Keys Remote Control
|Luggage Compartment Light - LED
|Luggage Compartment Lining - Needlepunch - Anthracite
|M Sport Instrument Cluster
|M Sport Suspension
|Media Package - BMW Business
|Multifunction Controls for Steering Wheel
|Non Smokers Package
|Parcel Shelf - Textile - Anthracite
|Personal Profile
|Rain Sensor
|Rear Fog Light - LED
|Rear Interior Light - Centre with Reading Lights using LED Technology
|Seat Belts - Fabric Weave - Black
|Seats - Front - Manual Height Adjustment
|Seats - Front Backrest - Plastic - Black
|Servotronic Steering
|Shark Fin Aerial
|Speakers x6
|Speed Limit Function
|Sport Seats - Front
|Steering Column with Manual Reach and Rake Adjustment
|Steering Wheel - Leather - M Sport
|Storage Compartment - Door Trim Panels - Front
|Storage Compartment - Door Trim Panels - Rear
|Storage Compartment - Rear Centre Console
|Sun Visors with Vanity Mirrors and Ticket Holder
|TMC - Traffic Information
|Tool Kit Located in Luggage Compartment
|USB Audio Interface
|Welcome Light
|Windscreen Wipers - Two-Speed with Adjustable Intervals
|ABS - Anti Lock Braking System
|ASC - Automatic Stability Control
|Airbags - Driver
|Airbags - Front Side
|Airbags - Head - Front and Rear
|Airbags - Passenger
|Airbags - Passenger Deactivation
|Alarm System Thatcham 1 with Remote Control
|Battery Safety Cut Off
|Brake Assist
|Brake Drying
|Brake Pad Wear Indicator
|Brake Pre-Tensioning
|Bumper System Front and Rear - Replaceable Deformation Elements for Impacts Up to 9mph
|CBC - Cornering Brake Control
|Central Locking - Remote
|Check Control Warning System
|Child Proof Locking System - Rear Doors
|Child Seat ISOFIX Attachment - Rear
|Crash Sensor - Activating Central Locking-Hazard Warning Lights-Fuel Cut Off
|Cruise Control with Brake Function
|DBC - Dynamic Brake Control
|DSC - Dynamic Stability Control Plus
|DTC - Dynamic Traction Control
|Drive Performance Control - ECO PRO - Comfort - Sport and Sport Plus
|Dynamic Brake Lights
|Electronic Differential Lock
|Electronic Engine Immobiliser
|First Aid Kit
|Hill Start Assistant
|Lights-on Audio Warning
|OBC - On-Board Computer
|Oil Sensor For Level and Grade - Warning by Check Control System
|Optimum Shift Indicator
|PDC - Park Distance Control - Front and Rear
|PDC - Park Distance Control - Rear
|Remote Control with Integrated Key with Insert in Blue
|Seat Belt Security Check for Driver
|Side Impact Protection
|TPMS - Tyre Pressure Monitoring
|Warning Triangle
|iDrive Controller - 8 Favourite Buttons
Please note
This includes MPG figures which are calculated under European Standards, in test conditions, and will vary under normal driving conditions. The information displayed above describes the typical specification of the most recent model of this vehicle. It is not the exact specification for the actual vehicle being offered for sale which may vary. Specifications for older models may also vary. Please contact us prior to purchase to confirm the exact specification of this vehicle.
Worcester Road Motors Ltd
Based on 132 customer reviews
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text:
Leadership and the Environment
352: The War of Art and Nature
Ep. 352
I loved Steven Pressfield's book The War of Art. I found it inspiring. It had a property that qualifies for me that something qualifies as a work of art: it said something I always knew was true but that I'd never seen expressed that way."
I mention it for two reasons. One, I recorded a podcast episode with Steven the other day, which led me to reread the book. Two, I found the book applies to acting in stewardship. Substitute a few words and new meaning emerges, mainly changing art to stewardship. Most of the rest follows.
I describe the analogy in this episode's recording. I share a few examples. I hope it helps motivate.
I recommend The War of Art to nearly anyone. I recommend it especially to people who want to work on the environment.
More Episodes
351: A Rough Day in New York City
Ep. 351
Today was a rough day for me in New York. Most of my solo episodes I start with a point. Today brought me down enough that I decided to share more openly some thoughts I get when seeing situations that look hopeless and are deteriorating. Normally I try to support others. It occurred to me, I hear almost nothing back from listeners, friends, family, or the world providing hope or support. More commonly people seem mystified that I or anyone would try to live sustainably when they could instead eat, travel, buy, etc with nary a thought of stewardship or empowerment.Below are my notes reminding me of a few things during the day to cover while speaking. As I'm writing these words, fireworks---that is, loud explosions---are going off within a block or two, unofficial.Helicopter since 5:20No masksLitter everywhere, every mealJust saw Story of PlasticNobody seems to care. We can go a day without water, but 8 oz bottlesPolice everywhereMayor absentPresident exacerbatingWhy bother?Am I missing signs of mainstream effective action?Plastic production higher than ever
350: Jonathan Herzog, part 1: A candidate acts with genuineness and authenticity
Ep. 350
I haven't taken political stance because I am working to removing wedge-ness from environmental policy. I'm working for people to see laws about how people affect others through the environment as we view traffic laws. We don't see red lights as red tape or bureaucrats telling us what to do. They make our world safer even if they slow us down sometimes. One day we'll see keeping mercury out of fish and other pollution similarly.I met Jonathan in person practicing democracy---gathering signatures in my neighborhood. I learned of him after meeting Andrew Yang, whose candidacy I valued.Last year I heard Andrew Yang speak and liked his message enough to read his book, The War on Normal People, and learn more about universal basic income. I listened to Andrew on several podcasts until I felt I understood what he was campaigning for and why. UBI, for example, has had centuries of support across the political spectrum. Who knew?I talked to Yang's campaign people about helping with their environmental platform. (I'll talk to any politician about their environmental platform, since they could all use help). One of the outcomes was meeting Jonathan, gathering signatures a block from home. I like people acting in my world with passion, genuineness, and authenticity. Read Yang's book to learn the platform and what's driving it.In a tradition of successful people, Jonathan had left Harvard before finishing to support Yang's campaign, then to run himself in New York City's 10th district, where I live. He cares. He also acts personally on the environment, as you'll hear in this episode.
349: The State of the Environment Is The External Manifestation of Our Beliefs
Ep. 349
Think of where you are now in two ways---first, how it looked before humans arrived there, second, how it looks now.The difference is our influence, which results from our behavior, which results from our beliefs, values, hopes, dreams, and so on. In other words, the environment is the outward manifestation of our beliefs.


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Now showing items 61-64 of 64
A Consortial Model for Research Data Services Using Dataverse
The Texas Research Data Repository is a multi-institutional project of the Texas Digital Library (TDL) to develop a statewide data repository for Texas universities. The TDL is developing the data repository service with ...
Power in Numbers: Digital Preservation Networks
(Texas Digital Library, 2017-10-24)
Presented at Digital Preservation Forum, #r2e DigiPres session, Pittsburgh, PA, October 2017: Texas Digital Library has capacity as a collective to increase preservation of, management of, and access to digital content.
Diving into Data: Implementing a Data Repository at the Texas Digital Library
The need for Data Management services is one of two large‐scale needs consistently expressed by members of the Texas Digital Library (TDL), a consortium of academic libraries throughout the state. In particular, members ...