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UPDATE 2-Stifel's 4th-quarter profit up 48 pct even as costs jump
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Feb 25 (Reuters) - Fueled by a 48 percent rise in fourth-quarter earnings, Stifel Financial Corp's top executive defended his aggressive acquisition spree on Monday.
The St. Louis-based securities firm, which has bought four investment banks and trading firms in fewer than three years, will continue to make investments and build its profile with the public as larger investment banks shrink, Chairman and Chief Executive Ron Kruszewski told analysts after the company said its quarterly net income rose to $40 million, or 63 cents a share, from $27 million, or 43 cents a share, a year earlier.
"The financial market is huge, highly fragmented and under tremendous disarray," he said. "There is a lot of market share to gain without overburdening the balance sheet."
Stifel last week completed its purchase of KBW Inc, a smaller investment bank that specializes in raising capital and arranging mergers for small financial companies, for about $575 million in cash and stock.
Kruszewski dismissed criticism that the deal would be marred by overlapping research coverage, personnel and branding problems at a time when few financial deals are being executed and KBW has been recording losses
"I believe 2012 was a trough year in financial services," he said of the opportunity to benefit from KBW, adding that he expects duplicative expenses to be eliminated by the first quarter of 2014.
Stifel disclosed that KBW booked $70.6 million in the fourth quarter, a number that JMP Securities analyst David Trone said exceeded his estimates by $12 million.
A lot of work remains on the integration, Kruszewski said, but the company will continue to hire brokers and traders in the year ahead and increase its advertising and branding budget, an area where it has been lax in the past. Stifel began a television campaign aimed at the public and its fellow bankers on Monday.
Stifel's fourth-quarter profit was boosted by shares it purchased in Knight Capital Group last August to help bail out the trading firm. Stifel booked $13.4 million of quarterly gains and $39 million for the entire year from its Knight investment.
Excluding the 2 cent-per-share quarterly gain from Knight, Stifel earned 61 cents a share, above analysts' expectations of 60 cents a share, based on Thomson Reuters I/B/E/S estimates.
Kruszewski said Stifel is expanding in both its retail brokerage business and its smaller institutional banking business, with a particular emphasis on adding fixed-income capabilities. Neither he nor the firm commented on reports that Stifel is buying Knight's credit brokerage business. .
In all of 2012, Stifel hired 152 financial advisers in its wealth management unit and 77 fixed income sales and trading professionals.
Its fourth-quarter, Stifel's net revenue rose 17 percent to $417.8 million from a year earlier, below Wall Street expectations of $418.4 million, according to analysts surveyed by Thomson Reuters I/B/E/S. Total compensation and benefits costs in the fourth quarter rose 14.6 percent to $262.2 million.
Wealth management revenue climbed 13.6 percent to $255 million, lifted by growth in asset management and services fees on rising client assets. The firm's financial adviser count grew by just 54 on a net basis from a year earlier to 2,041 advisers in 340 offices at the end of 2012.
Total client assets rose 12.6 percent to $137.9 billion.
Revenue from trading and banking in the institutional group rose 23 percent to $165.1 million, despite a drop in municipal bond revenue.
Kruszewski said that in spite of Monday's 216-point drop in the Dow Jones Industrial Average on news related to the Italian election, retail investors have been moving money from low-return fixed-income products to equity markets.
"People forgot there was risk in the market, and we saw a little of that today," he said.
Monday's news, however, is unlikely to reverse a "trend of improvement in the Eurozone," he added.
- Malaysian PM says lost airliner was diverted deliberately |
- Malaysia PM says lost plane's movements indicate a deliberate act
- Exclusive: Radar data suggests missing Malaysia plane deliberately flown way off course - sources
- UPDATE 2-Satellite data shows missing Malaysia plane may have flown thousands of miles-source
- UPDATE 1-Rolls-Royce concurs with Malaysia on missing jet's engine data


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Cycling in Sydney Australia
Commuting in Sydney. War stories, routes and tips
Members: 363
Latest Activity: yesterday
All of us who do it know the benefits of getting to work on a bike. You arrive earlier (usually), happier (usually), it's cheaper, it's healthier and it's a great way to get rid of the days stresses.
Some links for bike commuting
The Sydney Easy Riders are a commuting group based on the North Shore.
Or if you're in the inner west, the BikeBus is a great way to find a group of people riding to work in the same direction.
bicyclecommute an excellent resource from Sydneycyclist member brooza
If you're looking to start bike commuting and have questions, post a question here. We love to give advice.
Started by John Knight. Last reply by Jason Brown yesterday. 15 Replies 0 Likes
Started by Meg White. Last reply by Russell Coleman Jan 19, 2013. 7 Replies 0 Likes
Started by Jason Brown. Last reply by timothy.clifford Sep 7, 2012. 31 Replies 0 Likes
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subset: commoncrawl


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Please come back tomorrow and vote again
Trailer Boating in Baja
Mexico is still a true boater's paradise, if you travel there the right way and go with the right people to the right places.
Related Articles
Vagabundos Lifestyle
It was only after we were afloat that we began to fully experience the Vagabundos lifestyle. Our trio of boats braved the seas for the three-mile crossing from Puerto Escondido to Honeymoon Cove on the northwestern corner of Isla Danzante.
We immediately rafted up in the lee of the island, and then the group pooled its provisions for a midday meal as Janet Lammons announced, "Vagabundos never starve."
While the wind was still blowing that afternoon, McGinnis decided to leave the comfort of the raft-up to go fishing. We pounded our way a couple of miles east toward the south end of Isla Carmen and trolled deep-diving plugs along its rugged shoreline.
While we tried to troll in 30 to 40 feet of water, depths vary wildly close to the rocky islands in the gulf. Within casting distance of the jagged shores, depths can plummet to 100 feet, and then a pinnacle suddenly can zoom to within a few feet of the surface.
"When fishing an unfamiliar shore, keep one eye on the fish finder," McGinnis said, pointing to the screen as the bottom began to shoot upward. "That's my cue to steer out to deeper water."
As the sun sank over the mountains of Baja, we finally caught and released a small black skipjack — a member of the tuna family. "We'll try for some more tomorrow," McGinnis said as we reeled in the lines and headed back to the raft-up.
With calm seas the next morning, all three boats went fishing. A few miles down the coast, we found three Mexican men fishing from their panga, a narrow outboard-powered skiff. We inquired about buying a handful of sardines for bait. That's when we discovered a currency in Baja more valuable than dollars or pesos.
Despite a language barrier, we quickly understood that oranges (naranjas) and lemons (limons) were much preferred. Unfortunately, we had no citrus, and the fishermen reluctantly accepted our pesos. They also pointed us a few miles down the coast and spoke a magic word, dorado.
We thanked them profusely and started to troll in the direction they pointed us. They weren't kidding. Within 15 minutes, McGinnis' boat hooked and landed a dorado (aka mahimahi), and he put it on ice. It was destined for dinner that night.
With that, the most treasured resource of Baja became clear. It is not fish, nor scenic beauty. It is the Mexican people. Contrary to the news reports, these people welcomed us in and treated us with kindness and generosity. We never felt safer.
Viva Baja.


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Connect to other sites within the UBM Medica Network
Greg Eghigian, PhD, Section Editor for Psychiatric Times History of Psychiatry, is Associate Professor of Modern History and former Director of the Science, Technology, and Society Program at Penn State University, University Park, Pa. He writes and teaches on the history of madness, mental illness, and mental health in the Western world. He is the editor and author of numerous books, most recently From Madness to Mental Health: Psychiatric Disorder and its Treatment in Western Civilization (Rutgers University Press; 2010). He is also co-editor of the scholarly blog, h-madness. For Dr Eghigian's author page, please click here.
The First World War and the Legacy of Shellshock
In the history of psychiatry, the First World War is often identified with the rise of the disorder of "shellshock." However, many in both the medical community and the military establishment were dubious of the claim that war could produce psychiatric symptoms.
A "Painful and Toilsome Tour": Revisiting Dorothea Dix's Advocacy for the Mad
During the first half of the 19th century, the asylum appeared to offer an innovative way for society to humanely manage and effectively treat mental illness.
Psychiatry, Clinical Psychology, and Psychotherapy: The Question of Politics
If historians have demonstrated anything, it is that psychiatry, clinical psychology, and psychotherapy cannot be neatly associated with any one particular kind of political ideology or movement.
Corporate Profits and the DSMs: The Case of the Tobacco Industry
In the run-up to publication of DSM-5, there was much discussion of the extent to which the pharmaceutical industry—"Big Pharma"—stood to profit from the revisions.
The Medicalization of Grief: What We Can Learn From 19th-Century Nervousness
Concerns are raised about DSM-5 revisions in the definition of depression. Many worry that eliminating the bereavement exception in the guidelines for the diagnosis of major depressive disorder represents a dangerous move.
Taking Stock of the History of Psychiatry at H-Madness
Very important—but generally neglected—aspects of the history of psychiatry provide something of a glimpse of what historians of mental health and illness are mulling over these days.
Whole Body Madness
When this physician published an article containing his case summaries of 3 women with dementia praecox, he made it clear that this was a disease that neurologists and physicians in general practice could easily and reliably diagnose by following his diagnostic procedures.
Earn CME Credits for reading Psychiatric Times articles. Click here to go to our free online CME activities.


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ST. LOUIS — Organizers of the Occupy the Midwest conference in St. Louis expect up to 600 people from nearly 20 Midwestern cities to attend.
600 expected at Occupy the Midwest conference in St. Louis
Wednesday, March 14, 2012 | 3:18 p.m. CDT
To read the full article, please sign up or login.
Get full access to the Columbia Missourian on your computer, phone, and tablet for just $5.95 per month.
* Unlimited access on your iPhone, iPad, Android phone and Android tablet
* All the high-quality, in-depth journalism of the Columbia Missourian and Vox Magazine, updated 24/7
* Your news. Your device. Your time.
If you'd like to read more about the value of being a member, read this column from the Missourian's executive editor, Tom Warhover.


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deceptively simple, these wooden bowls are a classic and timeless toy. can be stacked, nested or used imaginatively as cups, towers, etc. children gain an appreciation for size, color, sequencing and fine motor skills.
a spiel gut award winner. made of european alder and finished with nontoxic, water based dyes.
when stacked, 8"h x 4"diameter
in the press: Parents
you may also like...


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Games | Minutes | Goals | Assists | Shots |
3 | 85 | 0 | 0 | 2 |
Cox has been a bench warmer for his club side for much of the Premier League season, but that has not stopped him becoming something of a favourite in the eye of Ireland boss Giovanni Trapattoni.
English-born, he qualifies for Ireland through his grandmother and his whole hearted in his approach has impressed Trapattoni, who loves to see him players working for the team as well as themselves in this well-drilled Irish side.
Cox is unlikely to see too much tournament action unless injury or ill fortune strike down the likes of Robbie Keane, Kevin Doyle or Shane Long and yet tournament football has a habit of opening doors for unlikely heroes.
This former Reading and Swindon striker may be something of a journeyman professional, but his chance to become an Irish hero for the rest of his life could present itself at Euro 2012 this summer and after playing in six of his nation's qualifiers, he has earned the right to have a crack at glory this summer.


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Its' free and it takes less than 1 minute!
I've tried Photoshop, Art Rage (almost what I want but still not quite) and I was just wondering, is there anything that would get really close to real painting ?
Corel Painter X perhaps ? Or are there others ? What do you use ?
I'd like to be able to sort of "plan" my paintings on something digital, work on 1 layer, figure out the steps, in some program that resembles real painting as much as possible. This is to be done as preparation before the actual paintings.
From what I hear, Painter is the closest to the "real thing." But, really, digital and traditional are two completely different mediums. Kind of like asking if there's a way to paint watercolor like acrylic or vice versa (yes, yes, I know, there are opaque watercolors and you can water down your acrylics, but they are fundamentally different, painting with light/painting with pigment and all that).
I mean, if you're really worried and just want to do some prelim stuff, get some cheap crap paint and just paint on a board some planning stages. Otherwise, I can't imagine what specific thing you're looking for out of a digital program other than "color and value areas go here."
Peepul: Tulokyn :: Nakhon :: Deadlyhazard :: raminafshafari :: Mr. Magic
I painted in real media (predominantly watercolour) for 20 years before going totally digital, and it was Painter that got my attention first - but now I find ArtRage provides the closer experience. As Karmaclychee says - real and digital are two very different media and for the moment, the experience is always going to be different as well. Just as painting with acrylics and watercolour is different.
If you are determined to try Painter and I would recommend you do - I have found 10 still works better for me than the later version 11, but I've heard others sing the praises of that as the best they've tried. We all like different things. I still don't like the watercolour experience in either Painter version. Coming from a trad watercolour background (and if that's what you are looking for) Corel's flagship struggles bravely to do the math and emulate all the variables of paint, water, paper texture, gravity and grain size, along with brush size and pressure - but the result is so lagging and unspontaneous that the experience is a million miles away from the real thing - That said the look can be very convincing.
ArtRage's much simpler approach to all their tools, actually offers a much closer experience to real media, because you have to work harder with what you've got. I've found their watercolour to be the best I've come across so far and at times it does almost feel like the real thing in the way it behaves. That's not to say it's perfect. But if you find the settings you like, save them as preset brushes for easy access, and then combine the tool with the wet blender for softened effects, you can come up with some very watercoloury images and come close to feeling like you are painting in real media at times too. For me what works best is painting across several layers set to multiply (I prefer it to the dedicated watercolour blend mode for some reason), like laying various washes. Then collapse them when you are happy with the stage and add new ones atop to build up depth.
Then there's the oil brush with its un-thinned paint, that you can combine with variable paper textures layer by layer if you wish . . .. But you already know this as you have AR (the Studio Pro version I hope - as it offer a ton more stuff under the bonnet to really open up your options). You do have all this depth in Painter of course, with ten thousand controls, in the Artist Oils and Impasto brushes. Again best to save (drag out) your favourites to a floating palette for easy access once you find settings you like.
If you are just talking about drawing with a pencil, although it does have very capable other brushes, Sketchbook Pro 2011 is very good and another favourite of mine. Wonderfully responsive touch. The inclusion of some blending modes on layers has extended its potential lot. Yet the fact that it does not employ layer or canvas texture, relying rather on the ability to create custom brushes that can look like texture means it feels less like real media, although able to deliver a real media look.
Then there are SAI, Open Canvas, ArtWeaver and Twisted Brush - all very capable tools in the right hands. I've looked at all of them but would still contest that of what I've tried AR is the closest. It's as much the thinking behind the interface and tool options as anything else. Using 'stencils' instead of layer masks for instance. That is 'real media thinking'.
Do please let me know if you come across something even more real media in feel. I'll be delighted to try it. I wish you well in your quest.
__________________________________________________ __________
Nick Harris illustration http://nickillus.com/ SKETCHBOOK GALLERY
__________________________________________________ __________
As has been pointed out - the media are so completely different I don't feel you can improve your painting much trying to paint digitally - planning and composition somewhat - and even a bit of editing can be done digitally but it seems you're putting the cart before the horse. Learn to paint first...then see what digital can do for you.
What would Caravaggio do?
Plein Air
Still Life
Sight Measuring
This is kind of like trying to use a Wii to become better at tennis.What's a good program to practice / improve actual painting skills ?
Last edited by Elwell; January 3rd, 2011 at 08:15 PM.
Tristan Elwell
**Finished Work Thread **Process Thread **Edges Tutorial
Crash Course for Artists, Illustrators, and Cartoonists, NYC, the 2013 Edition!
"Work is more fun than fun."
-John Cale
"Art is supposed to punch you in the brain, and it's supposed to stay punched."
-Marc Maron
It's mentioned that digital and traditional are two different media.
You should be trying out traditional methods and seeing what program you can adapt to the most with those skills. Everyone is different and will find something in each program that is closer to what he/she wants.
__________________________________________________ __________
Nick Harris illustration http://nickillus.com/ SKETCHBOOK GALLERY
__________________________________________________ __________
And that was the analogy I was looking for!
What would Caravaggio do?
Plein Air
Still Life
Sight Measuring
Thanks for the replies, and yes I do know that canvas and digital are completely different things.
I've noticed that having played with ArtRage and Photoshop before, this has helped me when I picked up a real brush for the first time. So now I'm just looking to do things like studies, in color, without wasting paint and creating a mess. From what I can tell the observation and understanding shape/colors is pretty much the same, only the rendering is different. And being a beginner that's what I want - going through the stages at the faster pace that digital allows.
I'll definitely give ArtRage another go, and find out more about the settings.
This is something I did yesterday, but I eventually gave up in frustration as I don't have the Photoshop brushes to resemble real ones. Getting cloud brushes will defeat the purpose, as it will not tell me anything about how to render clouds with a real brush. The final painting will be in oils.
Please note RGB is not the equivalent of Paint Pigment mixing. So you still have a lot to learn.
"Getting cloud brushes will defeat the purpose, as it will not tell me anything about how to render clouds with a real brush. The final painting will be in oils."
Welllll....you're kind of missing the point, tribe. Digital tools/media will not teach you anything about rendering clouds with a real brush...or anything else for that matter.
They are too different. You actually draw fairly well...keep that up and transition into painting. Don't be in a big rush...it takes a great deal of time.
The time you are spending working digitally is a waste and is only slowing your progress. It sounds, and based on your still life setups, looks like you have a very good teacher and school/classes near you - I would spend every spare minute there learning everything your teacher has to offer.
What would Caravaggio do?
Plein Air
Still Life
Sight Measuring
Alright, fair enough. I'm sure they're in Photoshop somewhere and I just don't know which ones they are or what settings I need for them.
Note that I said I don't have the brushes, not that Photoshop doesn't have them
On the Wii / tennis remark, I know what you're saying, as you can see my sketchbook also has real paintings inside, and few as they are, they were enough to notice the differences between mixing real colors and RGB.
My question was which program comes the closest, although none will actually translate completely to a real canvas.
I will try ArtRage and experiment more with Photoshop, working on one layer alone, with no filters and effects.
I'm going to slightly disagree. It's fine if someone works traditionally and digitally, but that person is going to have to understand different things translate over.
The reason I quoted part of the post saying it was a lie is that the person is trying to create a look, and really should learn the basics in methods for digital painting.
You simply need a hard round brush with pressure sensitivity. You don't even need photoshop to do this. A simple program like Open Canvas works just fine. http://www.conceptart.org/forums/sho...d.php?t=107217
Bumskee's thread which works in the basics with about any program with these settings, same with Painter too.
I'm not dismissing the value of working traditionally - in fact I've seen it help immensely when transitioning over because that person learned foundations, and skipped the fancy tools.
So my advice for this user, if you want to do this digitally stop looking for a brush or trying to make it look like "oils" or such. Learn both traditional and digital weakpoints and strengths.
So stop using Photoshop for the time being and recreate a drawing using Open Canvas. Don't worry about it looking like a pencil or fine oils.
http://wistinga.online.fr/opencanvas/ There you go, it's free.
Protip: K.I.S.S.
(keep it simple, stupid). - this is where Open Canvas excels.
If you're just doing value/color studies, use the plainest brush you can, and focus on color and shape. None of the brushwork specifics will carry over anyway, just like they wouldn't if you were doing a watercolor study for an oil painting. Use different mediums for their own strengths, not to to emulate others.
Tristan Elwell
**Finished Work Thread **Process Thread **Edges Tutorial
Crash Course for Artists, Illustrators, and Cartoonists, NYC, the 2013 Edition!
"Work is more fun than fun."
-John Cale
"Art is supposed to punch you in the brain, and it's supposed to stay punched."
-Marc Maron
No problem Arshes - and I agree with your follow-up. My point is that the OP seems like they are searching for a shortcut that doesn't exist - some way to "learn how to paint" using digital tools instead of just, well...learning how to paint. My best advice tribe, is if you want to learn how to paint in oils...the easisest, fastest, best way to do it is to, yep, paint in oils. Get out there and paint if it is a landscape...observe...study...work hard.
You can't just make stuff up as you are with the moon/cloud thing...you need to really observe that directly...photos would be worse than useless in such a situation as well. K.I.S.S. is exactly the right approach with this stuff.
Anyway, you seem determined to plow ahead so good luck...
What would Caravaggio do?
Plein Air
Still Life
Sight Measuring
Tristan Elwell
**Finished Work Thread **Process Thread **Edges Tutorial
Crash Course for Artists, Illustrators, and Cartoonists, NYC, the 2013 Edition!
"Work is more fun than fun."
-John Cale
"Art is supposed to punch you in the brain, and it's supposed to stay punched."
-Marc Maron
So wait... you don't like abusing paint and you don't want to make a mess. So what is it about oil painting that you DO like?
Anyway. You're just going to use great heaping heaps of paint learning how to mix colours. There is no way to avoid this because there is no digital equivalent to having six blobs of glop on your palette and trying to get autumn sky blue out of them. Get over that "I'm wasting art materials!" mental block and get on with things.
If you're set on experimenting with this then I say stick with ArtRage. Photoshop painting techniques will mostly teach you how to love fast-drying acrylics.
*** Sketchbook * Landscapes * Portfolio * Store***
"There are two kinds of students: the self-taught and the hopeless."
- Dr. Piotr Rudnicki
Yeah this is exactly what I was going for, something for quick digital studies that are not meant to replace the actual painting later on.
Well frankly from what I've seen to be possible with real paint I actually like acrylics the best, but being new to real paint and having done a few split-tests it seems oils are better for learning, since they dry slower.So wait... you don't like abusing paint and you don't want to make a mess. So what is it about oil painting that you DO like?
That being said mixing real colors and painting in oils are one thing, and observing the subject, understanding the shape and colors are another. For this last part alone I'd like to use some digital, not for the first one.
Finally, I realize ideally I'd just do some plein-air painting in oils until I get it right. Now this next landscape I'm working on happens to be at night, I've seen a few nights and places I like and took all the ref photos I could, and now the winter clouds cover the sky, so all I have is some memories and ref photos.
In addition to that I don't have everything I need for plein-air yet, and also it's freezing outside, especially at night.
...and that's how I came to ask about these digital solutions, knowing they are far from perfect and that real painting in oils is still required after the digital studies are done.
Thanks everyone for replying


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Screening & Separation
IMI Receives Tribute from Michigan Governor Rick Snyder
May 10, 2011Industrial Magnetics Inc. (IMI) of Boyne City, MI recently received a special tribute from Michigan Governor Rick Snyder, State Senator Howard Walker, and State Representative Greg MacMaster, commemorating the company's 50-year anniversary in 2011 as a Michigan manufacturer of magnetic...
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Bunting Magnetics Adds to Manufacturing Team
May 3, 2011Bunting Magnetics Co., headquartered in Newton, KS, has announced the addition of Matt Anderson, manufacturing engineer, and Kenton Stumps, as a design engineer for its material handling product line. "We are experiencing a large increase in sales and as a result needed additional...
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Smico Launches New Web Site
April 13, 2011Smico has launched a new Web site at www.smico.com that is more interactive for customers. The new site has test video on the lab page. The site also has products for industry and a blog page and will be accepting articles and topics from outside sources, along with its own data from its units and...
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W.S. Tyler Certifies Test Sieves to New ASTM E 11 Standard
April 13, 2011W. S. Tyler now performs examinations to certify that test sieves conform to the new ASTM E 11 Standard for Inspection and Calibration Grades. W.S. Tyler's optical analyzer is calibrated, ensuring the measurements are directly traceable to N.I.S.T., on a biannual basis. ...
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General Kinematics Corp.
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Bunting Named Finalist for Kansas Exporter of the Year Award
March 31, 2011Bunting Magnetics Co., headquartered in Newton, KS, has been chosen as one of five finalists for the Kansas Governor's Exporter of the Year Award which annually recognizes a Kansas company for exceptional international marketing success. This award encourages the growth of the state's...
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Bunting Launches Web Site for Magnets
March 24, 2011Bunting Magnetics has launched a new Web site, www.BuyMagnets.com, to make buying magnets online quicker and simpler. The site features a streamlined purchasing process, live status on orders, instant updates on available inventory, 24/7 access to place orders, and an expanded offering of magnet...
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Dennis O'Leary Promoted to General Manager at IMI
March 17, 2011Industrial Magnetics Inc. (IMI), a manufacturer of magnetic components and assemblies, recently announced the promotion of Dennis O'Leary to the position of general manager. "I am pleased to announce the promotion of Dennis to general manager," said Bud Shear, owner of...
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Witte Company, Inc.
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WAM Inc.


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Facts About Leukoplakia
Here's a taste of what TheBody.com has to offer on this topic:
Connect With Others
Concerned about exposure time frame & OHL (Oral Hair Leukoplakia)
Posted by WorriedOne, 2 Replies
HelloI've been very concerned lately because 6-8 months ago (could have been as early as 4 months ago) I noticed a small white spot on the side of my tongue. Initially I didn't think anything of it and thought it was something that I ate or a change... Read more » Hairy Leukoplakia
Posted by Anonymous, 1 Reply
Can anyone tell me how long it takes from the first presentation of hairy leukoplakia to the time it becomes very distinct? Weeks, months, years?Also, does it become more and less visible on a daily basis? Read more » Hairy Leukoplakia
Posted by Anonymous, 1 Reply
I developed hairy leukoplakia on one side of my tongue around chritmas time. It is still there. I was wondering if anyone could tell me how long after you get this you have to go on meds. My t-cells were 450 in October. Vl undetectable w/o meds....
Read more »
Hairy Leukoplakia
Posted by Anonymous, 2 Replies
I was wondering if anyone out there has or has had hairy leukoplakia on their tongue? If so, how long did it take from when you first noticed it as a very small white to to being all the way down the side of your tongue.Secondly, how was it... Read more » Hairy Leukoplakia
Posted by Anonymous, 1 Reply
Has anyone ever heard of someone getting hairy leukoplakia on their tongue (confirmed by biopsy) and that person not having hiv. I have ohl and negative antibody tests and undetectable viral load tests. If you have heard of such a thing what did the... Read more »
Ask the Experts
Question #1: Oral Hairy LeukoplakiaQuestion #2: Symptoms of Oral Hairy LeukoplakiaQuestion 1:Have you seen any documentation of Oral Hairy Leukoplakia in people with HIVprimary infection (ARS), or is this a symptom that only will be found in thelater stage of HIV and AIDS ? Question 2:Dose it exist a test for Oral Hairy...Response from Rick Sowadsky, M.P.H.
Nevada State Health Division AIDS Program
Hi. Thank you for your questions. Oral Hairy Leukoplakia, like otheropportunistic diseases, is NOT normally seen with recent HIV infection(including Acute Viral Syndrome). In persons with HIV, it is normally seenduring advanced HIV infection,...
Read more »
hairy leukoplakiaIs it possible to know when hairy leukoplakia appears when somebody is HIV+ ?Thanks....Response from Judith Feinberg, M.D.
University of Cincinnati, College of Medicine
You can usually tell if someone has hairy leukoplakia by its characteristic appearance: a white, furry plaque most often seen on the sides of the tongue that cannot be scraped off....
Read more »
Thrush, Oral Hairy Leukoplakia, & the tongueI'm confused about Oral Hairy Leukoplakia, Thursh, and the tongue.Does Oral Hairy Leukoplakia occur during seroconversion?Does thrush affect the tongue?Thanks for your committment to providing us with help!...Response from David A. Reznik, D.D.S.
Grady Health System
To my knowledge, Oral Hairy Leukoplakia (OHL) does not occur during seroconversion, but is a manifestation seen later in HIV disease. Thrush, or candidiasis can and does effect the tongue in two different ways:Erythematous candidiasis, which...
Read more »
Shape of Hairy LeukoplakiaHello, Dr. Reznik,I have a question regarding the *shape* of HIV-associated hairy leukoplakia lesions. If one has long, thin, white streaks bilaterally on the side of the tongue is this due to trauma (i.e. tongue chewer) or could it also be due to...Response from David A. Reznik, D.D.S.
Grady Health System
Dear F.S.T.:Oral hairy leukoplakia usually does not present as a long, thin, white bilateral line on the lateral borders of the tongue, but rather as white, corrugated (rough) areas that can appear anywhere on the lateral border of the tongue.If you...
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Policy and Justice Issues Affecting Women: Fact Sheets and Talking PointsCriminalization Fact Sheet: Coming soon! Reproductive Justice Fact Sheet (April 19, 2011) To read PDF, click here . Reproductive Justice Talking Points (April 19, 2011) To read PDF, click here . Economic Justice Fact Sheet (April 19, 2011) To... Read more »Updated Fact Sheets Provide Data About HIV/AIDS Among Blacks, Latinos, WomenUpdated fact sheets, Kaiser Family Foundation : The fact sheets provide information about the impact of HIV/AIDS on blacks , Latinos and women in the U.S. Each fact sheet includes data about trends and current cases, as well as... Read more »HyperlipidemiaTerms Used in This Fact Sheet Cholesterol: a waxy, fat-like substance present in every cell in your body. Your liver produces cholesterol from stored carbohydrates and fats. Certain foods provide additional amounts of cholesterol, which may be... Read more »GlobalHealthFacts.org Posts Latest Global, Country-Level HIV/AIDS Data; New Latin America, Mexico HIV/AIDS Fact Sheets Available"Latest Global and Country-Level HIV/AIDS Data Now Available on GlobalHealthFacts.org," Kaiser Family Foundation : GlobalHealthFacts.org has been updated with country-level HIV/AIDS data to reflect the latest information released in the UNAIDS 2008... Read more »Advertisement Advertisement
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Daytrip Skull T-Shirt
SALE $17.00 was $22.00 Item #1092327926- Foil graphic t-shirt
- Dolman sleeves
Daytrip Skull T-Shirt 1 1
Love top but... love this top....but when i hand washed it and layed it flat to dry....it ended up being longer on one side and shorted on the other. is this how it is suppose to be? im confused it didnt look that way in the picture.anyways, love the design, i matched it with the gold jacket! January 23, 2013
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Early conciliation: the final countdown download
Regulations setting out the final details of the ACAS early conciliation scheme have now been published, in time for it to take effect as planned from 6 April 2014.
TUPE amendment regulations published — charities download
The new TUPE regulations taking effect introduce a number of amendments that could have considerable importance for charitable organisations.
Health Legal Update — February 2014 download
Mills & Reeve has published the February edition of its Health Legal Update, which includes information on the NHS, regulatory news, patient matters and legal processes.
Employment law in Europe download
Mills & Reeve offers an at-a-glance summary of key employment rights in the five largest European economies outside the UK.
Employment law in Asia download
Mills & Reeve offers an at-a-glance summary of key employment rights in five selected Asian jurisdictions.
Employing workers overseas: key issues download
In this note, Mills & Reeve offers some brief tips on some of the most commonly encountered problems.
Health Legal Update — January 2014 download
This issue includes articles on the CCG Assurance Framework, which sets out the six domains in which NHS England will assess the performance of CCGs.
The Agency Workers Regulations 2010 — two years on download
This article examines the impact of the Agency Workers Regulations 2010, including a recent complaint by the TUC, which may affect the food sector.
Food focus — rights of 'casual' workers download
The use of zero-hours contracts are on the rise in the food industry, both in the food service sector and in food and drink manufacturing.
Doctors and social media download
A number of calls are taken each year from doctors and other clinical professionals reporting that damaging information has been published about them.
Contractual disputes in sport download
There can be, and often are, disputes between clubs and players regarding the 'extra' contractual clauses that are often inserted into contracts.
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The realities are that in any football insolvency the creditors (including the players) lose out and the players involved are usually at the lower-level clubs.
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Match-fixing cases tend to be messy. They can result in three (possibly four) sets of legal proceedings all running at once.
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It is common practice for clubs to ask players to enter into pre-contract agreements. However, are such agreements enforceable?
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It is not uncommon for sportspeople to find themselves being 'benched' for reasons other than their on-field performance or their off-field behaviour.
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The thorny issue of the drafting of conditions went before the High Court in R (oao) Teresa Sienkiewicz v South Somerset District Council and Probiotics International Ltd.
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In this briefing, Mills & Reeve takes 10 key areas of employment law and looks back on developments in 2013 that are likely to have continuing significance.
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In Woodland v Essex County Council the Supreme Court reviewed the law on non-delegable duties of care and set out the criteria when a non-delegable duty arises.
Health Legal Update — November 2013 download
Mills & Reeve has released the November 2013 issue of its Health Legal Update.
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The recent case of Toal and Others v GB Oils Ltd reminds us of the extent of an employee's right to choose his or her companion in grievance proceedings.
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Turn an iPhone into a microscope for less than $5
If you've ever peered through a microscope, you know how incredibly cool the world can look when it's massively magnified.
Just one problem: it's uncomfortable to squint through that tiny viewfinder. Where are the microscopes with the big, comfy LCD screens?
Try looking in your pocket. Hobbyist Crabfu came up with a slick--and inexpensive--hack that turns your iPhone into a microscope. You can see it in action, and learn how to do it yourself, in this video. (Note: The actual how-to starts at the 2:09 minute mark.)
As you can see, the hack's results can … Read more


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It's always a mistake to let Americans loose in the literary china shop.
In my first post on this very blog, I praised Leonie Brinkema, the judge presiding over the Moussaoui trial, for conducting herself with a modicum of decency and fairness and with a minimum of prosecutorial, rah-rah-American zeal. I haven't exactly revised that opinion, but after reading the account of the last day of sentencing, I think it's worth noting that despite a basic decency and a scrupulous fairness, Judge Brinkema has no better understanding of just what occurred in her courtroom than does the vapid American media or the vacuous American public.
In her final address to Moussaoui, Brinkema said, "As for you, Mr. Moussaoui, you came here to be a martyr and to die in a great big bang of glory, but to paraphrase the poet T. S. Eliot, instead you will die with a whimper." In the whole corpus of English literature, could she have chose a more infelicitous work than "The Hollow Men" to express our Anglo-Saxon jurisprudential triumphalism?
We are the hollow menThomas Stearns ain't talkin' 'bout no Mohammedans, that's fer damn sure. Dear Judge Brinkema, The world-ending whimpering that concludes Eliot's poem about spiritual dessication and the dilemma of modernity ("Shape without form, shade without colour, / Paralysed force, gesture without motion") afflicts us. We are the hollow men—as if the pronouns aren't clear enough.
We are the stuffed men
Leaning together
Headpiece filled with straw. Alas!
Our dried voices, when
We whisper together
Are quiet and meaningless
As wind in dry grass
Or rats' feet over broken glass
In our dry cellar
Brinkema surely only knows that famous world-ending-not-with-a-bang-but-a-whimper. But since Moussaoui was given to preening about America's impending defeat at the hands of the truly faithful, it might do the judge well to reread the penultimate section of the poem:
IVPuts a rather different spin on it now, doesn't it? (I hate to be crass, but really . . . Besides which, I object to quoting a Grail-quest, Crusader-kingdom aficionado while sentencing, ya know, a self-professed Muslim counter-crusader.)
The eyes are not here
There are no eyes here
In this valley of dying stars
In this hollow valley
This broken jaw of our lost kingdoms
In this last of meeting places
We grope together
And avoid speech
Gathered on this beach of the tumid river
Sightless, unless
The eyes reappear
As the perpetual star
Multifoliate rose
Of death's twilight kingdom
The hope only
Of empty men.
I'm circling around the main point. Whether in The Waste Land or "The Hollow Men," Eliot explicitly embraces despair that the West is not just declining, but declined, that out of the sight of that which is Godly and Holy, out of communion with the made world, having dissipated the spirit and abandoned communal ritual (metaphorized, in Eliot's oeuvre, by the Grail quest more than anything else—the recherche for the venerated object-symbol of lost authenticity), having, ultimately, debased ourselves as spiritual beings, we've nothing left but to witness the decline of all our kingdoms, the temporal kind and the otherworldly. "There, the eyes are / Sunlight on a broken column."
I don't share Eliot's conclusions or convictions, of course (even less so as they metamorphosed toward High Church Anglicanism); I'm as spiritually debased as they come. But it hardly does one of our greatest poets proper service or pays him adequate respect to turn his words on their head as an indictment of a man who, after all, is making the same claims, albeit very crudely and inconsistently: that we've become Crusaders unaware of our own agnosticisms, searching for a golden grail rather than the sacral symbol that contains the essence of our divinity. Hell, you don't even have to read Eliot for that. Just watch Indian Jones and the Last Crusade. "He chose . . . poorly."
Anyway, there's an inescapable bathos to the end of this trial, as the families of the 9-11 dead got their chances to speak in open court. You don't have to condone what Moussaoui claimed (rather fantastically, if you ask me) to have done and supported to recognize a terrible truth in his final statements. Even a monster can tell the truth. After listening to the litany of lives he'd ruined, he said: "Your humanity is a very selected humanity—only you suffer, only you feel." That the judge then saw fit to bookend that condemnation with unintentional commentary on the hollowness of that self-professed feeling . . . well . . .
In the third year of our murderous rampage through Iraq, where we've killed tens of thousands in pursuit of abstract policy goals and chalked them up as unfortunate but necessary (and therefore uncountable) sacrifices, it's a shame to have to hear it from a stooge who imagines himself a soldier.
Between the desire
And the spasm
Between the potency
And the existence
Between the essence
And the descent
Falls the Shadow
For Thine is the Kingdom


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Bone Crunchin' Tot Toys
"WWF Smackdown" is rated TV14 but is being pitched to younger kids through the sale of Bone Crunchin' Buddies and other action figures. Should this practice be banned?
51% | Yes. | ||||||
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How much do your kids know about their ancestors?
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Would you support a policy of corporal punishment at your child's school?


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33 |
TR contest winner posts glamour shots of his creations Yesterday, we announced the winner of our "get creative with PC parts" contest. The contest involved fashioning PC parts into something anthropomorphic-looking, and... Type: News story Tags: Miscellaneous |
8 |
Hands-on with Windows 8.1 Preview Late last month, Microsoft announced a raft of interface changes that Windows 8.1 would introduce. Here's a first-hand look at some of them from... Type: Feature article Tags: Operating systems Windows |
50 |
Gigabyte teases next-gen Haswell board Next-generation Haswell motherboards are approaching, and Gigabyte has teased a few details about what it has in store for the new platform. The firm has... Type: News story Tags: Motherboards Multimedia |
32 |
Gadgets on the piste Warning: The following is by no means an in-depth review or related to PC hardware. I used a recent ski trip as an opportunity to... Type: Blog post Tags: Miscellaneous |
59 |
Zotac updates Zbox Nano with Brazos 2.0 We loved the Zotac Zbox Nano AD10 when we reviewed it last year. Into a chassis small enough to fit in the palm of... Type: News story Tags: CPUs Graphics Chipsets Systems |
45 |
Asus' budget Xonar DGX and DSX sound cards reviewed Asus' Xonar DGX and DSX cost less than $50, making them tempting upgrades for folks seeking better sound. Both cards have PCI Express interfaces,... Type: Feature article Tags: Multimedia |
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A quick look at Intel's DZ77GA-70K motherboard While preparing for a certain upcoming processor launch, we've been spending some quality time with Intel's DZ77GA-70K motherboard. Read on for a quick... Type: Feature article Tags: Motherboards Chipsets |
23 |
Z77 motherboards from Asus, Gigabyte, and MSI Intel's Ivy Bridge processor may still be waiting in the wings, but the 7-series motherboards designed for it are already for sale. To provide... Type: Feature article Tags: Motherboards Chipsets |
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Asus' Transformer tablets share an Ice Cream Sandwich Asus has been quick to roll out Ice Cream Sandwich updates for its Eee Pad Transformers. We take a closer look at the... Type: Feature article Tags: Mobile computing Operating systems Personal tech |
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Six screens, one desk When I sit down at my desk in the Benchmarking Sweatshop, it feels like maybe I could tap into the Matrix. I've slowly added... Type: Blog post Tags: Miscellaneous Displays |
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Asus preps new PCIe, USB, and integrated audio solutions All has been quiet on the Xonar front, but that's set to change early this year. Asus is prepping a couple of new audio... Type: News story Tags: Multimedia |
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Sandy Bridge-E motherboards from Asus, Gigabyte, Intel, and MSI If you want to get in on Intel's new Sandy Bridge-E CPU, you'll need an LGA2011 motherboard. We've gathered four examples from Asus, Gigabyte,... Type: Feature article Tags: Motherboards Chipsets |
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Windows 8 and the marginalization of geeks On Tuesday, Microsoft made the Windows 8 Developer Preview available publicly without demanding so much as a Windows Live login name and password in return.... Type: Blog post Tags: Operating systems Windows |
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MSI serves up three X79 motherboards IDF — Gigabyte and Intel aren't the only ones showing off X79 motherboards at IDF. MSI has three LGA2011 boards on display, including a... Type: News story Tags: Motherboards Chipsets |
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X79 motherboards spotted at IDF IDF — Sandy Bridge E is out in full force at the Intel Developer Forum, and we've already seen a handful of X79 motherboards that... Type: News story Tags: Motherboards Chipsets |
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22 |
Linux gathers steam with CryEngine port, Valve's DX-to-GL translator | 61 |


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Teenager airlifted to hospital after falling from building (From East London and West Essex Guardian Series)
Send photos, video and news by texting GUARDIAN SERIES to 80360 (cost 10p), or email us
Air ambulance attends scene at Camden Road in Wanstead after teen falls off building
4:02pm Friday 16th November 2012 in News By Dominic Sutton, Senior reporter
A TEENAGER was airlifted to hospital after falling off a building on Wednesday afternoon.
An air ambulance landed on George Green in Wanstead to take the unconscious 16-year-old to the Royal London Hospital in Whitechapel.
He had fallen from a building on Camden Road shortly after 2.30pm.
Were you on Camden Road on Wednesday afternoon? Did you see what happened? Call the newsdesk on 01992 572 285 or email email@example.com
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Sunday, October 12, 2008
Sunday Morning Coffee
Here is an interesting quote from Jeremy Grantham in Barron's.
"So although the fair value of the S&P today may be about 1025, typically bubbles overcorrect by quite a bit, possibly by 20%. That is very discouraging."
Clearly the interview was done a few days after the worst carnage of the week. A 20% 'overcorrection' works out to SPX 825. The low on Friday was 839.
The dilemma faced by market participants right here is the battle between reason and fear.
Colgate (CL) will still sell plenty of toothpaste, Proctor & Gamble (PG) will still sell plenty of detergent, most of the companies that service where you work will continue to do so, most people will keep their cellphones, you will have a bank account somewhere and so on. And you know this.
Also on the side of reason, there have been panics. crisis and bear markets before. There is no fear that you have now that someone hasn't had before in a past episode. You know this as well. From a big picture stand point there is very little that is new. Bank crisis, poor response to the crisis, misuse of leverage, bear market, this time is different, the bond market not functioning properly, enormous corporate failures and so on. The details are different this time but the details are different every time.
And it is the details where the fear comes in and, for some people, trumps reason. What if this time is different? What if the stock market doesn't come back? What if the rescue plan does not work? What if all the banks go under? What if the government fails? What if it devolves to martial law?
People have these fears but of course people have had them before.
Dr. Brett recently wrote about something I believe is called hindsight bias. The general idea is that something becomes more predicable after it happens. For example of course the failed UAL LBO in 1989 did not have long term importance and stocks should have been bought with both hands in the mini-crash that ensued.
I chose that as an example because many people forget about that one but there was real fear that it would be 1987 all over again. People look back at every panic and say of course I should have been buying stocks but how many actually did?
To me, the biggest variable is how long it takes to start to recover and how long it takes for people's emotion to ratchet back down.
The picture is the Colorado River at the floor of the Grand Canyon near Phantom Ranch.
29 comments:
- Anonymous said...
Do you think Columbus day keeping the banks closed will affect the market tomorrow?
I would not normally even think about this - 5:49 AM
- Roger Nusbaum said...
If Columbus day matters I'd think the close of the bond market would be the bigger thing.
- Anonymous said...
Roger, good morning. You're not tempted to "buy with both hands" here and abandon the 200 dma, are you? I ask because I think you said in yesterday's video that you'd lighten up on a bounce. Still, buying would be the triumph of reason over fear and, in some long run, the right thing to do, no?
- Roger Nusbaum said...
in a way yes because no matter what direction the next 100 SPX points is I believe 899 will look cheap at some point.
In a way no because there is fear amongst clients now and just randomly buying in a manner not consistent with our plan could make things much rougher emotionally if the first hundred SPX points or so is wrong.
Part of what I try to do is smooth out the ride, after how things have gone over the last year, i would not want to give too much back. - 6:16 AM
- Anonymous said...
but what about your personal money roger, are you doing any buying at these levels if you think 899 will look cheap someday?
- Roger Nusbaum said...
this blog is a look over my shoulder at how I manage money for others.
my personal stuff, while overlapped with clients, is allocated very conservatively. we live below our means and have a high savings rate. - 6:26 AM
- Roger Nusbaum said...
meant to add, the reason for this is that my entire livelihood is derived from the stock market and I hope to do this work until I'm at least 110.
- Anonymous said...
"my personal stuff... is allocated very conservatively"
now we know how you're so unemotional when it comes to this type environment :-) - 7:15 AM
- Roger Nusbaum said...
i think it helps
- Anonymous said...
I'm not a strong proponent of closed end funds but now seems to be one of best bargains out there with 20-30% discounts to NAV and distributions of 15+%. Since the market prices have corrected more than NAV, is there something I might be missing? Time to back up a CE truck?
Ron - 7:29 AM
- JEC49 said...
Odds are that 899 will look cheap at some point in time. Let's assume that as a given. Then would it make sense, in a long term view of the market, to just buy an ultra long ETF like RSU and not try to pick stocks? And what is a long term view? 5 years, 10 years, 20 years?
- Roger Nusbaum said...
JEC49, double long is meant to be double long for today. over time it may or may not work. in 2007 double long SPY lagged SPY--that was for the year.
- Ricky said...
Dear Roger,
Just some of my thoughts after
reading your site for several years.
I'm down about 25+% and still main
taining 30-50% cash. It depends
because values have tanked giving
wierdo readings of cash on hand v
inventory. I have remained true to
my thesis of not being BROKE at
the bottom or purported bottom such
as it is.
I think there will be a butkicking
monster feel good sweet spot Bull
Durham rally through the end of the
year and into Q1. It will rally
my opinion only on the back of bad
news(earnings). Current talking
heads will say wow the end of this
crunch in here buy buy buy oh all
here know the drill!! Then some
are racing back in when recession
comes to forefront of everyone's
mind as Pres. Obama worries that he
really has no dough to accomplish
anything. market tanks because
everybody and his brother(don't have one) shorts and sells all big
Like all bottoms this takes time
and just like the deja vu of 2002
and 2003 we hit skids for two or
three bottom test events ending in
2009 fall. That's just the way I'm
playing it after getting put in the
blender last week.
Stan Weinstein's books on 10 and 30
week moving averages is really
what I will hang my hat on in the
future as I have done in the past.
I think, sure I could bottom fish
here but if I pay 20% higher for
good long term hold, then so be it.
Ricky - 8:23 AM
- Roger Nusbaum said...
butkicking monster feel good sweet spot Bull Durham rally.
You're going to have to cut back on the jargon, lol.
not having enough money...crucial point. Jimmy Rogers says this is leading to an inflationary holocaust...after the deleveraging process runs its course - 8:27 AM
- JEC49 said...
I see that. Thanks. The double shorts have made a killing on this downturn and I was thinking why the opposite wouldn't be true.
Stayed up very late to watch the Sox with disappointment but leaving there tied is still pretty good. I think I should wash my Sox t-shirt. Maybe the luck ran out when it started to smell! - 8:28 AM
- Roger Nusbaum said...
double short has an extra interest kciker (many moving parts) that imo give it a perf advantage over double long.
can't tell if Beckett is rusty or if there is a problem. Javier Lopez apparently doesn't fool anyone with is delivery, at least not very often, so what's the point? - 8:31 AM
- JEC49 said...
Beckett has not been the same. We see shades of his talent but he's been inconsistent all year. And our bull pen? It's a crap shoot when they take the mound. But it was good to see Pedroia getting his bat on the ball. Ortiz needs to offer some rum and cigars to Jobu!
- Roger Nusbaum said...
lmao, jobu.
- Anonymous said...
It's being mentioned in the media that 'panicked investors' are causing such large outflows and this is one of the reasons why the markets are falling so quickly. Surely for every panicking guy there's another who sees value? I find it difficult to believe it just people getting margin calls having to liquidate their positions causing such enormous corrections on an hour by hour basis. I hope the real story behind all of this comes out one day.
- Anonymous said...
Jeremy Grantham of GMO is advocating to go long the yen and swiss franc. What are your thoughts on more of these alternative type investments for your clients? - 9:18 AM
- Roger Nusbaum said...
Japan is very unhealthy, more so than the US maybe. How is the strong yen not merely a sign of deleveraging?
Swissi? My concern there is the UBS is four times the size of GDP and Credit Suisse is 2.5 times GDP (per Alphaville). What if either or both have to be bailed out? - 9:20 AM
- Anonymous said...
swiss banks are 6.5 times gdp. Would not 5 to 10% recapitalize the bank? Isn't that 0.3 to 0.65 gdp? Isn't japan and italy borrowing at 1.1 to 1.3 gdp if my memory is correct?
couldn't the swiss weather this better than most others? All the swiss have to do is perform better on a relative basis not actually be in better shape for the currency to be a good bet.
seg - 10:43 AM
- Anonymous said...
Tell me how this stock is anything but a strong capital gain prospect while earning an extraordinary yield as things normalize?
- PZC A closed end stock holding California municipal bonds.
- NAV to market price: A -25.58% discount.
- Tax free yield 10.18% - 1:27 PM
- art dunbar said...
Tell me how this stock is anything but a strong capital gain prospect while earning an extraordinary yield as things normalize?
- PZC A closed end stock holding California municipal bonds.
- NAV to market price: A -25.58% discount.
- Tax free yield 10.18% - 1:29 PM
- Bill B said...
I'm no muni bond guy but isn't California begging for a fed hand out to stay solvent? Seems like a big risk. So you might be banking on the fact that California is "too big to fail".
Hopefully someone with more expertise will chime in. - 2:56 PM
- RW said...
Not that familiar with Muni CEF's so take this with a grain of salt but I took a quick gander at PZC and there are a few red flags from my POV.
Premium/discount history looks okay, in fact in 2006-07 the premium was nothing less than astonishing -- can't imagine who was paying a $1 for a $1.18 in bond assets, guess it was part of that housing can't go down so neither can the tax base logic -- but in any case periods of discount seem to have closed with reasonable predictability in the past.
Still it's a rather small fund with above average expense ratio and earnings appear to be less than the stated distribution rate which casts the dividend into question.
Also this is a difficult time for muni's generally and California muni's specifically, with tax base and credit availability shrinking at the same time, so the chance the discount will close from a falling NAV rather than rising price seems rather high.
And speaking personally I'd rather see more general obligation (GO) bonds in this economic environment even with a shrinking tax base but only 14% of the fund's portfolio appears to be invested in GO bonds.
Not trying to dissuade anyone, this was a cursory glance, PIMCO is a great shop and I have no doubt the fund manager has forgotten more about bonds than I will ever know, but speaking as someone who does work CEF inefficiencies now and then, PZC has some issues that would make me want to investigate it's working parts a bit more thoroughly and scale in small even then; e.g., take a small position and add in increments if behavior remains favorable.
JMO (FWIW which probably isn't much). - 3:43 PM
- JEC49 said...
to art 1:29
I agree that CA is looking for Fed funds. If a CEF is what you're looking for, and they're all way under NAV, look at the non-leveraged funds. They seem a bit more secure. - 3:45 PM
- Richard said...
roger, when you say very conservative are you saying invested +/- 40% in Fixed income?
The conservative models I have seen show 40%+/- fixed income like bonds, CD. If bonds, bonds issued by whom? Where do I find fixed income that is keeping pace with inflation, commercial paper?
What criteria do you use to structure your very conservative portfolio?
thanks to you and the others for supporting this site. - 12:46 AM
- art dunbar said...
PZC close up 31.7% today, Monday, Oct. 13th. I sense the last week's downtrend has generated any number of solid, conservative opportunities, even after today's record uptrend..


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Subject | Catalog Number | Title |
Physics | 331 | Curriculum Physics |
Details: This course is designed as a detailed study of curriculum materials available to the secondary school teacher. Emphasis is on laboratory procedures and innovative teaching strategies at the secondary level. Prerequisite: consent of instructor.(upon student demand) |


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Our house is a white bungalow with white front door, dark grey roof, and black shutters on two front windows, and two side windows (which you can see from the street). I would like to paint the shutters so there is less of a contrast beteween the white house and black shutters. I'm thinking of grey, and wonder if anyone has any suggestions as to a particular shade. Any ideas other than grey? Thanks for all your suggestions!
I like the idea of softening the look and going with gray. Black is the most popular choice and will always look good. However I see a great opportunity to introduce a dark and light gray colour scheme on your front door. Darkest on the door - even black with the gray trim would look awesome. And then paint the shutters in the same gray that you used on the trim.
If you can post a picture, it would be more helpful and might get more replies. That being said and without seeing your house, white siding and black shutters is a very popular style and is timeless. You talked about having a white front door and this is where I think you can make a change which would become a focal point instead of the shutters. Can you paint the front door a fantastic colour? Red? Royal Blue? Yellow? I think if you do this, your eye will be drawn to it and then you might like the siding and shutter colours. Something to think about anyway.
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Geraldine R. Key killed in Charles County fatal fire
A 66-year-old woman was killed Tuesday when her rural Charles County home caught fire overnight, officials say.
Charles County Fire officials say that the body of Geraldine Key was found inside a home in the 5300 block of Stuckey Road in Indian Head after her house caught fire at about midnight.
Fire officials say Key couldn't escape from her bedroom.
The fire was caused when something combustible came into contact with a kerosene heater.
Due to safety concerns about entering the burning home, firefighters were forced to fight the flames from outside only. Subsequently, it took firefighters an hour to put it out.
"We had numerous companies from the area respond," Marbury Fire Department Deputy Chief Mike Gordon said. "(In) total, we probably had about 50 firefighters here that assisted in extinguishing the blaze."
One firefighter received burns to his right arm. He was treated and was treated and released from a local hospital.
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03-Apr-2012, 08:49 | #1 |
Join Date: Aug 2004
Posts: 394
Nvidia: Petition needs your support (LOD adjustment in DX10+)
As many of you probably know, AMD has implemented automatic LOD bias adjustments for SGSSAA in DX10/11. This adjustment is necessary for more texture detail and sharpness when using SGSSAA. Without it, surfaces appear blurry.
Nvidia currently only supports (manual) LOD adjustment in DX9 and lower. There is a petition going on over at the Nvidia forums for this feature to work under DX10/11 as well. If enough interest is conveyed, there is a good chance we might get it. I kindly ask for your support. The petition thread can be found here: http://forums.nvidia.com/index.php?showtopic=226244 P.S. A manual adjustment would be preferred over an automatic one, because more control is always better. Also screenshot comparisons with/without negative LOD are always welcome (over there at the NV forums) to further our cause. |
03-Apr-2012, 10:04 | #2 |
Darlek ******
Join Date: Jun 2004
Posts: 10,631
I was part of a related thread on the nv forums it went on for over 2 years and 24 pages nvidia never even bothered to read the thread or have the courtesy to post in it. and when questioned on the issue they lied.
This issue is more current and effects more people so they may fix it You could try emailing the new head of their p.r department
Guardian of the Bodacious Three Terabytes of Gaming Goodness |
03-Apr-2012, 17:43 | #3 |
Join Date: Aug 2004
Posts: 394
What thread are you referring to?
Look at the fps limiter that is now an integral feature of Kepler (at least it is marketed as such). That started out as a petition as well. If the message is clear cut and focused on a single feature, chances are good. |
04-Apr-2012, 21:44 | #4 |
Darlek ******
Join Date: Jun 2004
Posts: 10,631
it was the avp thread
doing it in the official nvidia forum is a mistake I beleive 1. people have to register for the forum first and go through all the confirmation email hassle people dont like having to register just to sign a petition 2. nvidia dont read their own forum you should do it at something like http://www.petitiononline.com/ its much easier for people ps: signed even though i'm an ati user now
Guardian of the Bodacious Three Terabytes of Gaming Goodness |
04-Apr-2012, 22:51 | #5 |
Join Date: Aug 2004
Posts: 394
Thanks for your support!
Yeah next time we'll use some other means. I didn't initiate the petition, I'm just rooting for it. |
10-Apr-2012, 02:51 | #6 | |
Join Date: Apr 2012
Posts: 1
But you´re right with the reg-form. No one wants to reg just to sign a petition. @box: i see you everwhere on the inet.. even in my rss-feeds Is SSAA applicable in any game at AMD right now? Even D3D10&11 And is the LOD-adjustment fixed by a profile or some calcs done by the driver (2xSSAA = -0.5 etc..)??? mysterious AMD |
12-Apr-2012, 08:59 | #7 |
Join Date: Aug 2004
Posts: 394
The thread has been pinned at the Nvidia forums and gotten Nvidia's attention. I have made a comparison in Skyrim with 4xSGSSAA with and without LOD adjustment. 2K HD textures and vurts flora overhaul mod was used along with Bethesdas original HD textures. One can clearly see the improved detail with LOD -1.0. Without lod adjustment, many details are blurred away. I have marked several examples in the pictures for your convenience and made a side by side comparison with selected sections as well. Remember: Skyrim is DX9, so here it works. In DX10/11 games, when using SGSSAA, you will get the blur and lack of detail shown in the LEFT picture. left: LOD 0.0 right: LOD -1.0 |
16-Apr-2012, 19:21 | #8 |
Entirely Suboptimal
Join Date: Mar 2003
Location: WI, USA
Posts: 7,110
Yeah I've noticed how blurry SGSSAA is sometimes. It actually often looks out of focus it's so bad. ATI's SSAA (RGSSAA, I think) has never been like that. But NVIDIA doesn't even officially support SGSSAA in their control panel.
I'm hoping that with the new consoles coming, with their much more advanced feature sets, that quality anti-aliasing will become more common direct from the game developers. Croteam actually has SSAA support in Serious Sam 3. |
16-Apr-2012, 21:29 | #9 | |
Join Date: Sep 2011
Posts: 198
Is that OGSSAA in SS3? |
16-Apr-2012, 21:50 | #10 |
Entirely Suboptimal
Join Date: Mar 2003
Location: WI, USA
Posts: 7,110
22-Apr-2012, 17:42 | #11 |
Senior Member
Join Date: Dec 2004
Posts: 4,636
I was a 3dfx nutjob and loved RGSSAA with adjusted LOD, every bit.
had a program in the systray that I used to launch games, with every setting adjusted (fsaa, lod, 16bit@22bit, vsync and buffering, etc.) I do want such settings to work on nvidia hardware, preferably from G80 generation onwards, else from Fermi generation onwards, and transparently enabled in the game profiles infrastructure. dearling missing are a game profile equivalent under linux, or an API that will allow to build scripts or a launcher similar to the one I had with the voodoo5. will sign the petition. LOD adjustments may possibly fuck up special textures which contain data rather than graphics. but these are probably not concerned with the mip-mapping and bilinear/trilinear filtering problems. (btw the voodoo5 only did bilinear filtering and the fsaa+LOD was so good it didn't matter) Last edited by Blazkowicz; 22-Apr-2012 at 17:47. |
24-Oct-2012, 07:42 | #12 |
Join Date: Sep 2003
Location: UK, Bedfordshire
Posts: 479
If I'm reading this correctly automatic LOD adjustment is now enabled for RGSSAA on DX9/10/11 and also manual LOD adjustment is now possible for DX10 and DX11 (previously it was only DX9) for the new nVidia 310.33 drivers!
Bing Translated version : http://www.microsofttranslator.com/b...oad-1031854%2f
PeterAce "Lost in quantisation" |
24-Oct-2012, 10:22 | #13 | |
Senior Member
Join Date: Mar 2012
Location: Switzerland
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Book Description:"Majestic!...readers of THE HOBBIT and THE LORD OF THE RINGS...will find THE SILMARILLION a cosmology to call their own...medieval romances, fierce fairy tales and fiercer wars that ring with heraldic fury...it overwhelms the reader."TIME Those interested in J.R.R. Tolkien's Middle Earth should not be without this grand volume that tells the tragic tale of the struggle for control of the Silmarils, a struggle that would determine the history of the world long before the War of the Ring.
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2799-2 Unseo-Dong, Joon-GuWe are located in upscale Int'l business center which is 3 minutes from the Incheon airport with complimentary private shuttle service. (Please call us when you arrive at the airport thru information center.) Studio type rooms with full amenities will satisfy all ages of foreign travellers. Every room has it's own private bath, kitchen, air conditioning, refrigerator, TV. Very convenient facilities make you feel at home. Many beaches, island and mountains are near here. You will also...
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2890-11, Unseo-dong, Jung-guNEARBY KOREA INCHEON INT'L AIRPORT NUBE GUEST HOUSE If you want to stay nearby KOREA INCHEON INT'L Airport, this will be the best choice for you! NUBE GUEST HOUSE is the guesthouse of Youth Hostel style and provide a comfortable stay as friends....
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128-12, Deokgyo-dong, Jung-guThe NEAREST HOTEL from Incheon(ICN) International Airport among the similar sized hotels. Hotel Parkwood located in just 10minutes driving away from Incheon(ICN) International Airport that is for trasit passengers around the world. To assist the business of all guests using Incheon(ICN) airport in leading to success, Hotel Parkwood took a first step with detailed consideration of the best trained staff in the preparation and the recent renovation of the hotel facilities. Hotel Parkwood...
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#2790-2 Airport Town SquareHotel SKY is located Airport Town Square, 10 minutes distance from the Incheon International Airport. Hotel provides free shuttle service between Hotel and Airport. Its convenient accessibility to Seoul makes it possible for you to enjoy your stay in Korea even if you are on a tight schedule. The Sky Hotel has two, six storey buildings with 88 total rooms. Each air-conditioned guestroom is equipped with a cable/satellite TV, complimentary high sppeed Internet access, and an international...
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No is Not the Lesson: Solving Power Struggles
By Gaynell Payne
A part on our dishwasher broke. I spread a towel on the counter and washed the dishes by hand, laying them on the towel to dry. While I was washing, my 23-month-old son wandered in to see what I was doing. Seeing the towel hanging over the counter, the temptation was too much for him. He grabbed the towel and started to pull.
"No, don't pull that," I said firmly. He fussed and objected, then reached up again. There was a coffee thermos I'd just washed, so I handed it to him to play with instead. He snatched it enthusiastically, but looked back at the towel. He reached up with his free hand and tugged.
"No, you can't pull on that," I repeated. He fussed, then pointed to the thermos lid still on the towel. I handed it to him and soon he was happily playing on the floor beside me.
It's possible that some people would say that my son "won" in this scenario. I didn't use the opportunity to drive home the word "no" and all of its negative connotations. Instead I distracted him with something else that I knew he liked to play with.
The Classic Power Struggle – Ending in Punishment
Alternate Scenario: My son grabs the towel and starts to pull. "No, don't pull that," I say firmly. He looks at me and cries while I continue to wash dishes. In a minute he grabs the towel again, pulling harder. "No!" I yell. "I said, DON'T PULL THAT!" Being yelled at always sends him into a crying tantrum. This time he objects by trying to pull the towel and all of its contents off of the counter. This, in turn, spurs me to have to be even tougher with him to win what I perceive as a power struggle. I have to resort to punishment.
There are several ways parents proceed from here, from spanking to yelling to time-outs. They often involve the eventual domination of the child, and the lesson to him is that he is not the power holder – the parent is.
What is Discipline?
Discipline is teaching a child about the world, and how we conduct ourselves to get along with others in the world. Power struggles are often involved when you are teaching discipline to a child, but they should not be the subject of the teaching. Too often parents get confused, caught up in the struggle. The object lesson then becomes about who is in control. It often ends with the child in tears and the parent claiming an uneasy victory in the lesson, "I hold the power, not you." Is it any wonder that these lessons end up — by design — making the child feel powerless?
The Classic Power Struggle – Ending in Bribery
Alternate Scenario: My son grabs the towel and starts to pull. "Please don't pull that," I say. He looks at me and pouts. He immediately grabs the towel again, pulling harder. "Stop!" I cry, grabbing his hand. He struggles to free himself. "If you stop, I'll give you this thermos!" I say frantically. "You always like to play with this thermos!" I give him the thermos. He looks at it skeptically and throws it down, reaching for the towel again. "How about a cookie?" I say. "If you stop, I'll give you a cookie!" That usually gets his cooperation. He lets me pick him up and holds his hand out for the cookie. Then he holds out his other hand, wanting a second cookie. I give it to him because two cookies will keep him occupied longer while I try to finish up real fast and get the towel out of his way. On the way back to the sink, I trip over the rejected thermos.
What is Redirection?
Choices are wonderful things to give children, but there is a distinct difference between redirection and bribery:
- Bribery is an if-then statement: "If you stop pulling on the towel, then I'll give you this toy to play with." This statement gives the child too much power. It tells the child he has the choice to continue to do something that you do not wish. It implies that you are desperate and begging for him to choose to stop. This continues the uneven power course in giving him all the power and you little or none.
- Legitimate choices are given on an even basis, without taking authority away from the parent: "Which DVD do you want to watch: Movie A or Movie B?" "Do you want to wear the red shirt or the blue shirt?" I suggest that any parent should look for opportunities to let their child make choices as often as possible. It's their life, and they should feel as if their input matters. When they are validated in this way on a regular basis, it is easier for them to accept "no" when it's necessary.
Was My Son Trying to Dominate Me?
To understand what's going on, we have to get a little analytical about the situation. Once we understand the whys, it will be easier to judge how to handle it.
Why did my son pull on the towel? Because toddlers have a very strong need to explore their world. It is a pre-programmed drive that urges them to get out there and learn. As adults, we have been there and back and don't see what the big deal is. It's obvious to us what will happen if you pull on a towel that is loaded with dishes. Sometimes we forget that it's not so obvious to them. We perceive their actions as if it they were adults and their actions are purposeful attempts to make a mess. Some would even go so far as to think that the child was making mischief just to provoke them or make their life harder, like some form of revenge or passive-aggressive behavior. Manipulative is a word often mistakenly associated with young children. It is sad because it invalidates the true and innocent need for a child to get a handle on the world around him.
There is a term in psychology called projecting. It's very much like it sounds. When a person has unhealthy feelings about themselves, they expect that others have these feelings about them, too. They then project them onto someone else, even when that someone else is not really feeling that way.
It's often the young child that gets to be the screen that the parent's unresolved issues are projected onto. Young children, even after they've learned to talk, are so often unable to articulate their feelings or control their emotions. This allows ample opportunity for an insecure person to see things in their children that aren't there. For example, instead of seeing that the child has a healthy drive to explore, their willfulness can be perceived as insolence or a lack of respect. This taps into the parent's insecurities that say they are not good enough to be respected. This may be doubly hard to hear (though it's not actually being said) coming from a child — their own child no less! So the parent comes down harder. They must get respect out of that child, whatever the cost.
Meanwhile the child is getting another message altogether. They are getting the message that their needs are bad, and their efforts to get those needs met will not be respected. They will be punished. They are also getting the message that they are not good enough to be respected, and that they are only an insignificant child.
Is it any wonder that a child whose parents perpetuate this power struggle, over time comes to believe that he isn't good enough and not respectable? In the future, if he doesn't deal with those feelings of insecurity, he may come to have a child and find their curiosity a reflection of his parents' lack of respect for him. And so the tragic cycle continues.
The Lesson
It's the winding path of parenthood that often makes us forget the real lesson we were trying to teach in each situation. In fact, like most parents, I hardly ever reflect on the practicality of each event in that way. But it's important sometimes to come back to it, if only to get our bearings.
So what was the lesson? In other words, why did I say "no" to my son? In this instance, it was because pulling the towel down would have undesirable consequences. But, you may object, he did not learn that. No, he didn't and he won't for a while. The only way to teach him that lesson would have been to let him pull it on his head, possibly causing injury to himself, and making a lot of work for me. I trust in the course of time and more gentle experiments that he will learn the cause and effect of actions such as this. Since I was unable to help him learn what he was curious about, I still recognized his attempts as part of the base need to explore and learn. So I made a substitution. I gave him the thermos, because I knew he was curious about that also. He had been exploring it in the past few days; imitating Daddy and pretending to drink out of it. It was neither bribery nor dismissal; it was redirection.
Instead of dismissing my child's actions, I tried to hear what he was saying to me. In this case, it was, "I want to learn. I need to explore." Because I listened to him, he listened to me when I said "no." Even after he was finished playing with the thermos, he didn't try to pull the towel down again. As a mom, I consider that successful discipline.


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The Lounge at the Palms Tickets and Event Dates
Venue Information
Venue Details
The Palms Casino Resort is located just west of the Las Vegas Strip on Flamingo Road.Parking
Both self parking and ValetBox Office Hours
Box office is open Noon to 7:00pm Sunday-Saturday. Hours will be extended on event days.Types of Payment Accepted
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In most cases you must be 21 or older to attend any event. Age restriction will be noted on the event page.Miscellaneous
Most events are 21 or Older with Photo ID required.Refer to specific event infomation page.


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