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Wow, I really feel like I could write a book about all that has happened this past month.
When I think back to last month's post, it seems like she is almost a different baby now! I know 'time flies by' and 'they grow up so fast' are pretty clichéd statements, but they are TRUE!
She currently weighs about 16 pounds, and is wearing 3 month clothes still (except 6 months in pajamas), but I think in the next couple weeks we will be switching to all 6 months clothes since she is such a long little thing.
I think I'll start with probably the most "life changing" difference (and I'm really talking about my life here…) is how much her sleeping habits have improved! Since birth Charlotte has really liked sleeping in someone's arms (what baby doesn't!) but seemed unable to sleep by herself during the day. Naps during the first two months weren't so bad because I was happy to be holed up in the bedroom with her 24/7. But by three months my floors were pretty filthy, and I was ready to have a little bit of freedom from my little munchkin. In last month's post I shared how she was taking her naps in the baby carrier only, which meant I was pacing around my apartment for 4-5 hours a day to accommodate her four naps (she wouldn't let me stop moving or she would wake up). She also was waking up every 1 1/2-3 hours each night, and I was physically and mentally exhausted.
Then right around 3 months 1 week a miracle happened! Through a bunch of random "accidents" and God given grace, we figured out she slept much better unswaddled, would soothe herself by sucking her thumb, and was capable of putting herself to sleep at night. That first night it happened she slept for stretches of 3-4 hours and we were in shock! So, since she had shown us that she was developmentally capable of putting herself to sleep, we decided the next day to try and see if she could do it for naps in her cribs. We definitely hadn't planned on doing any "sleep training" this young, but we felt like the night before had been God's way of letting us know she was ready to sleep by herself. For her first nap that day she cried for 1 1/2 hours and never went to sleep. During that time we didn't leave her alone to cry, we sat in a chair next to the crib and every few minutes would rub her chest and hands and tell her "it's alright." I was pretty much sure that she wasn't ready to sleep in her crib yet, but we decided to try again for her next nap. For the next nap she cried for 30 minutes (again, we were sitting next to her crib, reassuring her that we hadn't left her alone) and the fell asleep. The third nap it took about 15 minutes, and the same for the fourth. That night she put herself to sleep for bedtime with absolutely no crying, and again slept for longer stretches than she had before. The second day of napping in her crib, she fell asleep for 3 out of the 4 naps with no crying whatsoever. I couldn't believe how quickly she adjusted!!!
So now I get several breaks a day to clean my house, bathe myself, and just have some "me time." It's awesome, guys. She only sleeps for about 45-50 minutes of a time, but we're working on trying to get her to take really restorative naps (which should be ideally 1 1/2 hours). It's all a work in progress, but I am so thankful that she is now sleeping in her crib all the time! Thank God for her thumbs! (she sucks the left and right, and doesn't really seem to favor one over the other).
Speaking of sucking her thumb, in the last month she has become obsessed over putting just about everything into her mouth. It started with just her thumbs, but now she sucks on several fingers at a time, or just sticks her whole fist in her mouth. She also loves sucking on toys and has just started trying to put our hands into her mouth. Her favorite toys this month are her O ball, and her light-up seahorse, and she still loves playing on her play mat.
Charlotte is eating every 2 1/2- 3 hours throughout the day and about every 3 1/2- 4 hours at night, which feels so strange to me! When she was first born it felt like all I was doing was breastfeeding, and now it seems like such a small part of our day. I have to admit that I do feel sad about that, and already "miss her" in the sense that we don't have those really close moments anymore. I think other breastfeeding mamas can understand…it's a blessing not to be "tied down" anymore, but it is also a feeling of loss.
This month Charlotte got to celebrate two big things: Father's Day and the Chicago Blackhawks winning the Stanley Cup! Although she didn't technically watch the game (no TV for our little stinker, although she LOVES watching it when she can sneak it), I think she was their good luck charm . Charlotte really loves her daddy so much. She "talks" to him more than anyone else, and when he is around her she always stares at his face and smiles.
For Father's Day I made Dave a video from pictures of him with Sophia, Champ, and Charlotte, and Charlotte and I did a little secret photo shoot to make him this picture:
Developmentally she has changed so much this month! In addition to being able to pick up, hold, and bring toys to her mouth, she also has started rolling! She has rolled from her front to back 3 times, and is so close to being able to roll from back to front unassisted. Just a week ago I was wondering when she'd start showing signs of being able to roll, and as if she read my mind, during one nap I looked at the baby monitor and saw this:
(Since it's kind of hard to see, I added the arrows to show the changing direction of her body)
Now it's totally normal for her to sleep at the top of her crib, or the bottom. Vertically or horizontally (meaning crib direction, she doesn't sleep standing up…)
She easily rolls from back to side, and now will turn her head under in an attempt to get all the way over. When she hits this step kind of gets a little stuck and usually turns back onto her back. But if I give her butt just a little tap, she'll pull herself all the way over now (see video below). I'm sure in a week or two she'll have this skill totally mastered, and my life is going to get a little more complicated!
She is getting more and more comfortable with tummy time, although we still struggle to keep her on her stomach for more than 5 minutes at a time. But the fact that she is still progressing in her developmental milestones makes me realize that each child needs different amounts and not to cling to what the internet says is "normal."
Her smiles are given all the time now, and in the last week we got our first real laughs. You can hear those sweet giggles at the end of the video below.
Since she is becoming so much more active, pictures are just no longer an accurate representation of her development. So, I put together a short little video showing our little girl in action this month: Four Months Old!
Finally, here are some other things Charlotte has been up to this month:


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BY EUGENE ROBINSON, Investor's Business Daily
How dare he? President Obama, I mean: How dare he do what he promised during the campaign? How dare he insist on a "balanced approach" to fiscal policy that includes an teensy-weensy tax increase for the rich?
Oh, the humanity.
Republicans are having conniptions. Witness the way House Speaker John Boehner reacted when Treasury Secretary Timothy Geithner presented the administration's proposals on taxes and spending:
"I was flabbergasted," Boehner told Chris Wallace on "Fox News Sunday." "I looked at him and said, 'You can't be serious.' I've just never seen anything like it. You know, we've got seven weeks between Election Day and the end of the year. And three of those weeks have been wasted with this nonsense."
The "nonsense" in question is a set of perfectly reasonable measures that Obama wants Congress to approve. Nothing in his package should be a surprise — except, perhaps, that the president has opened this negotiation by demanding what he really wants, rather than what he believes it would be convenient for Boehner to deliver.
"The president's idea of a negotiation is, roll over and do what I ask," Boehner groused.
Hmmm. Where do you imagine the president might have learned this particular bargaining technique? Might his instructors have been Boehner's own House Republicans, who went so far as to hold the debt ceiling for ransom — and with it, the nation's full faith and credit — in order to get their way?
A Tight Spot
Obama's proposals include effectively taking away congressional authority over the debt ceiling, which would preclude a repeat of last year's hostage crisis. Boehner called it "silliness" to think that Congress would willingly surrender a power it can use to "leverage the political process." So it's fine when Congress uses muscle to get its way but not when the president does the same?
"Right now, I would say we're nowhere, period," said Boehner. "We're nowhere."
Not true. It's just that we're somewhere Republicans would prefer not to be. We're just past an election in which Obama won a second term and Democrats gained seats in both houses of Congress. And we're nearing a "fiscal cliff" of tax increases and budget cuts that horrify Republicans more than Democrats.
In Boehner's view, he has already made a major concession: He announced that Republicans are "willing to put revenue on the table," perhaps to the tune of $800 billion over a decade. But he insists this money has to come from eliminating deductions and closing loopholes — and not from any increase in income tax rates.
Anxiety-ridden GOP masterminds will eventually find a way to solve the Trump Problem. Until they do, however, the Republican Party threatens to become as much of a laughingstock as what David Letterman used to call "that thing on Donald Trump's head." Suddenly, according to recent polls, the ...
Many commentators have seen the Greek financial crisis as an exercise in stupidity. Former Treasury Secretary Larry Summers, for example, likened it last week to the First World War, about which historians "are still, a century later, incredulous that it happened." But maybe the bitter ...
Writing a judicial opinion can be like fencing. One of the most effective ways to jab at an opponent is to use his — or her — words to make your own case. Thus, Chief Justice John Roberts, warning in the same-sex marriage case about the harmful results of the court's intervention: ...
If you're old enough to recall how the landslide election of Lyndon Johnson over the hapless Barry Goldwater supposedly spelled the end of the Republican Party, or how Ronald Reagan's election amounted to a revolution that put the Democratic party on the mat until — more or less — the ...
Chief Justice John Roberts knew a torrent of conservative invective was headed his way, so perhaps praise from a left-of-center columnist is the last thing he needs. Sorry, chief, here goes. Roberts saved the Affordable Care Act, a second time, for the man who voted against confirming him. It was ...
Investor's Business Daily provides exclusive stock lists, investing data, stock market research, education and the latest financial and business news to help investors make more money in the stock market. All of IBD's products and features are based on the CAN SLIM® Investing System developed by IBD's Founder William J. O'Neil, who identified the seven common characteristics that winning stocks display before making huge price gains. Each letter of CAN SLIM represents one of those traits.

subset: commoncrawl


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Risk, capital markets and the future: a new generation of policy reform A speech given at Catalyst 02: an Annual Congress of the Property Council of Australia Nicholas Gruen Lateral Economics 1 1. Introduction: Australia as a leader in government and economic reform It is an Australian cliché going back at least to Donald Horne"s "Lucky Country" that we excel at sports but have failed to extend that excellence to other areas of national life. Yet the list of things at which Australia excels keeps growing. Despite the frustrations and compromises of government and politics in Australia – the inevitable product of democracy – you may be surprised to find that we are amongst the best in the world at Government. Of course our politicians and our bureaucrats do all sorts of terrible things. Really stupid, and really nasty things. But that"s in the nature of the game. They also do really good things. And like the add with Ian Thorpe and seals, its not really fair to compare human beings and seals at swimming. Despite the heroics of the ad with Ian Thorpe, the seals win every time! So the only reasonable way to asses our performance at government is in comparison with others. Individual policy programs have frequently been world leaders, studied and emulated around the world. Higher Education Contribution charges (HECs) The enforcement of family maintenance orders through the tax office AIDS policy Indeed, it would be hard to find any country that had managed to combine a talent for policy with its passion for sport as successfully as Australia. As the Commonwealth Games remind us when those things combine, extraordinary things happen. These examples are part of a larger picture. Two Australian institutions at the apex of their respective areas of government, would be recognised by their peers as amongst the best in the world: the Reserve Bank of Australia and the High Court. Then there is a list of major areas of policy in which the successes of the last two decades make us world leaders. Because they are human institutions they are the product of constant compromise and complaint by various groups with different interests and perspectives. But the compromises we"ve made appear to have worked better than the compromises made in comparable countries. Such policy areas would include: 2 Micro-economic reform generally, though the federal system has created important obstacles. It is hard to find countries that have done better than us. Note that others have done it more unfairly (eg the US with huge tax cuts to the rich) whilst others did it too ambitiously, and their political institutions turned from driving reform to resisting it (New Zealand). The CEO of New Zealand's Business Roundtable, Roger Kerr who I think had previously been in Roger Douglas" "shock therapy" cheer squad, recently suggested that Australia's reform program had had a "remarkably consistent, coherent and credible strategy of economic reform over the last two decades". The relative fairness of the process may have something to do with this – in contrast to the "stop-start" reform that Kerr argues characterised New Zealand's reform during the same period.1 A critical part of the fairness of our own reform has been our uniquely targeted and means tested social security system. It has a unique blend of low US style cost and wide European coverage and security for beneficiaries. As a senior World Bank Official put it in 1998 The Australian social security system . . . is one of the most cost effective in the OECD in terms of net expenditures as part of GDP; it has also . . . one of the most comprehensive coverages. Cost effective comprehensive coverage is a magic element in what we"re looking for. . . . It also probably benefits the poorer parts of the population more than most other systems.2 For much of the last two decades reforms actually worked actively against the increasing inequities being thrown up by the market. In other countries like the United States, important policy decisions intensified inequality. By contrast, Australian tax and transfer policy meant that between 1982 and 1997 the real income of the poorest 10% of households grew by over 30% - the highest real percentage increase of any group of households. 1Roger Kerr, "Be More Like Australia", Executive Director New Zealand business roundtable 25 July 2002. 2 Qaiser Khan, Senior World Bank official, ABC Background Briefing, 11/10/1998, at http://www.abc.net.au/rn/talks/bbing/stories/s13141.htm. 3 Figure One: Real dollar and per cent changes in equivalent family income 1982–97 Figure Two: Weekly re-distributions through the tax and transfer systems ($ real, 1982-97) We have one of the most fiscally responsible political systems in the world – with one of the best fiscal performances. 4 Figure Three: General government net financial liabilities Norw ay Finland Korea Sw eden Australia Denmark New Zealand Iceland United Kingdom Spain Netherlands United States France Austria Germany Canada Euro area Japan Belgium Italy -150% -100% -50% 0% 50% 100% 150% Source: OECD More generally our political system is one of the best mixtures of separation of powers and scrutiny of the executive, together with substantial power of review. We have a bi-cameral system but one in which (with one spectacular exception) the Upper House has generally reviewed and moderated legislation rather than obstructed government. (This may change depending on the fate of the Democrats.) Our system makes use of proportional representation only in the Upper House. So long as it retains its status as a house of review, this seems manageable – and superior to the legislative gridlock and weak government that emerges from the endless coalition building in many European Parliaments and the US Congress. Yet although single member electorates ensure major party dominance, there is a constructive role for minor parties in our system. Our preferential 5 voting system avoids the unfairness of first past the post voting and allows minor parties to play more than a "spoiling" role. As a result of our many successes, after long and steady decline from the early 20th century, our productivity and output per capita, and so our living standards have been steadily rising both absolutely and compared with other nations. Figure Four: Labour productivity in the business sector 1992-2003 (forecast) Mexico Japan New Zealand Netherlands Euro area Italy Canada Total OECD Norway United Kingdom United States Australia Sweden Ireland Korea 0% 1% 2% 3% 4% 5% Source: OECD Of course acknowledging our excellence creates the risk of complacency. On the other hand it should give us more confidence. But more importantly it highlights the fact that, if we are to stay ahead we need to throw off two ingrained national characteristics. Those are our pessimism – our assumption that we"re really not much good, that government in Australia is pretty mediocre and self serving. I recall several taxi ride conversations I've had recently in which the taxi driver said to me that it was "no wonder Australia was doing so badly economically". It was a real conversation stopper when I informed him 6 that actually Australia had one of the healthiest economies of all the developed world. The figures must have been cooked. Something related to this is a derivative kind of cultural conservatism. We don"t really have confidence that something home grown might be the best, or often, even the best for us. Yet quite obviously, Australian policy cannot stay at "best practice" without the confidence to innovate as we have done in the past. Diminishing returns to the existing agenda of economic reform One symptom of where we are is that a lot of the "low hanging fruit" in the reform program we are on has already been picked. Having recommended zero tariffs two years ago, the Productivity Commission has reversed course arguing for automotive tariffs to remain at or above 10% for another eight years. Its arguments are fairly confused. But the fact is, except for absorbing our energies in fighting over symbols, it doesn't really matter much. As the Commission rightly points out, the economic gains associated with further tariff reductions will produce "very small gains" – and that"s before you count some of the losses. The GST too will be a government cash cow for decades into the future, but as respected economic modellers like Chris Murphy and Peter Dixon pointed out before its implementation, the actual economic efficiencies from the broader tax base are painfully slight. Against these gains has to be set the government administrative and private compliance costs both to establish the regime and then to run it over time. Its hard to argue that it"s a more efficient system when virtually every invoice has to be "double handled" even for a few seconds, to separately account for purchase prices net of GST and the GST. How sad that we didn"t expend the political capital on more clearly advantageous tax reform – like congestion taxes and road pricing for instance. 2. Managing risk: a new field of reform I think there are many new frontiers where we could be making major gains with further reform. They will usually require more imagination from reformers, politicians and business to be seen and then seized as opportunities. We need to be looking at new ventures, rather than just going over old ground. I want to concentrate on some areas that are of considerable importance for the property sector. They relate particularly to the efficiency of capital markets and to the way we handle risk in our economy. 7 In a political sense, trade and risk management occupy similar territory. They are abstract things that go on within an economy unlike manufacturing or agriculture for instance – and so they are often poorly understood. When we shine the light of economic analysis on them, we find that there are arrangements which have built up which seemed to make sense, but which can be greatly improved with a new approach. The debt equity premium Fundamental to the observations I want to make are some enduring characteristics of the capital market. One is the so-called debt equity premium. Equity earns returns around 12% or higher in some sectors like banking where it is over 15%. By contrast, returns from lending money are much lower – around 5% lower according to some measures. The gap between the two kinds of finance reflects its risk. Generally speaking equity is riskier than debt. When one thinks about risk, diversification is a time honoured and incredibly powerful tool. One can diversify to protect oneself from most specific risks – such as risk to a specific project or a specific sector. And if one could diversify away all risks, one would expect the cost of debt and equity to pretty much line up with each other. Individual equity investments might be riskier than debt, but in a portfolio of equity investments star performers can help pay for losers. However one risk that can only be handled very partially, is the "systematic risk" of a recession. In a recession almost all holders of equity are exposed to loss (though this does also depress lending returns as more borrowers default). All this underscores the value of economic stability. If our economy becomes more stable, risks fall and the cost of equity will fall – that is share prices will rise. And as the cost of equity falls, so hurdle rates fall and investment rises. Our economy has become more stable and more supple due to the reforms we have pursued. Our success is also due in no small part to the so far excellent judgement the Australian Reserve Bank has exercised – crucially superior and less influenced by the herd for instance than its New Zealand counterpart during the Asian meltdown a few years ago. But there are more things we could do to moderate the economic cycle and so over time drive down the cost of equity. 3. The BCA agenda for macro-economic reform In 1999 the Business Council released a provocative discussion paper as part of its "New Directions" initiative. The discussion paper explored ways of 8 broadening the base of policy instruments we have at our disposal to moderate economic fluctuations. Increasing the share of pay 'at risk' The BCA's discussion paper pointed out that we could build more automatic stabilisers into our economy by sharing risk just a little more with our workforce. The wage share of the economy is so much larger than the profit share that one does not need to share risk very much to have a strongly stabilising effect on profits and – perhaps more importantly, on employment and on the macro- economy more generally. In countries which make relatively little use of bonuses, volatility in economic output maps fairly directly into volatility in the labour market – firms make quantity adjustments by hiring and firing workers. 9 Figure Five: Annual % change in unemployment rate and rate of GDP growth Source: OECD, Main Economic Indicators In the Asian economies such as Taiwan and Japan, output volatility translates into far less volatility in the labour market. In effect there is a price, rather than a volume adjustment. 10 Figure Six: Annual % change in unemployment rate and rate of GDP growth Source: OECD, Main Economic Indicators and Taiwan Statistical Data Book, Council for Economic Planning and Development, Republic of China. Refashioning Fiscal Policy in the image of Monetary Policy As I indicated earlier, we"ve been more successful than most other countries in turning away from fiscal laxity. But it has become fairly clear that current political arrangements make it virtually impossible to sustain large surpluses during booms. The point of building large surpluses during these times of course is to increase public savings and to "load the fiscal cannon" so that it can be fired – so that we can run substantial deficits – to moderate future downturns. In Australia as in many other countries like the United States and New Zealand, politicians who follow a previous government that has run up large surpluses are invariably tempted to spend it. In Australia the last politician to run large surpluses for a sustained period was Jeff Kennett. He was bundled out of office by an Opposition which was then able to spend a large portion of the surplus on its own projects at the same time as staying in the black to demonstrate its own fiscal respectability. The Bush administration in the United States has made a vigorous return to fiscal profligacy after the long haul back from the Reagan years. The other problem with fiscal policy has been that it usually takes too long to alter in the face of changing economic circumstances as budgets are debated and negotiated through Parliaments. We have largely ironed out these problems in the area of monetary policy as the Reserve Bank targets inflation through the cycle, is insulated to a 11 substantial degree from day to day politics, and at the same time can act swiftly if necessary. The Business Council paper suggested a mechanism whereby fiscal policy could be literally remoulded in the image of monetary policy. A central agency independent of government could have a role in setting a general parameters that would affect income taxes by a very small amount. If it was felt that fiscal policy needed to be tighter for either long or short-term reasons, the parameter might be moved from 1.00 to 1.01. This would increase income tax rates by 1%. Fiscal policy could be eased by reducing the parameter to .99. The indicative table below makes an assumption that simplifies for the sake of illustration that tax rates are 30% above a threshold. Below the threshold tax rates are zero. Figure Seven: The Fiscal Parameter Tax Rate on Tax Rate on Change in Parameter Company Tax Income below Income above Revenue Value Rate (%) Threshold (%) Threshold (%) (approx) 0.97 0 29.1 29.1 -$3 bn 0.98 0 29.4 29.4 -$2 bn 0.99 0 29.7 29.7 -$1 bn 1 0 30 30 0 1.01 0 30.3 30.3 +$1 bn 1.02 0 30.6 30.6 +$2 bn 1.03 0 30.9 30.9 +$3 bn Moving the fiscal parameter would target the fiscal stance – in the way that the cash rate allows the targeting of monetary conditions. At the same time it would leave all the political decision-making about who gets taxed and how much and how the money is spent where it belongs – with the politicians. The mechanism would operate in close consultation with the government of the day as does monetary policy today. And it would also operate "in the background" as a kind of prudential architecture and pressure would be brought to bear on governments only if they were going beyond the bounds of prudence. This means that the government would have the discretion to manage a fiscal expansion or fiscal contraction in its own way rather than using the parameter. But there would be an institution at arm"s length from government charged with the task of safeguarding fiscal integrity and flexibility should it be necessary. 12 Superannuation and macro-economic management Superannuation – about which I will have more to say shortly – also offers a potentially potent weapon for helping to stabilise the economy. Something similar to what is proposed for fiscal policy could be done by with variations in compulsory contributions to superannuation. Indeed, this has been done on occasion in Singapore. For an economy still in need of additional savings, increases in compulsory contributions would often make sense when we are trying to restrain demand in a boom. 4. Beyond the BCA macro-economic reform agenda If one thinks about the BCA agenda, even though it was not necessarily expressed this way, all of the ideas seek to improve the way the economy as a system manages risk. The logic for pursuing them is similar to the logic of tax reform. You will recall the slogan "broaden the base – lower the rate". The BCA agenda for macro- economic reform involved broadening the base over which risks are shared in the economy. By doing so they would lower the rate of volatility for certain parts of the system that would otherwise by overloaded. And some risks would be traded for other more benign ones. Thus workers might face a small increase in the variability of their income, yet for that they would have purchased higher real wages over time and less volatility in employment itself. They"d be less likely to be laid off. This illustrates one of the critical things about risk. One usually can"t avoid it – it"s usually a question of how it"s managed and who bears it. It"s better to make decisions on risk management by design, rather than by default. Once we identify this issue of how the economy as a system manages risk it opens up plenty of other avenues of inquiry and opportunities for reform. I will go through just some of those opportunities below. Some of the easy "deregulatory" work is already done. Capital and goods market liberalisation has hugely improved risk management in the Australian economy, both in terms of the sophistication of systems in the market, but probably more importantly in terms of the massive increase in the depth of the market. But this reform has left one critical issue largely unconsidered. The deregulatory phase of reform has seen government retreat to its core functions steadily pushing risks back onto the private sector. This is generally one of the advantages of privatisation, as it helps push risks back to that place in the market that can best mitigate them. Qantas shareholders now bear the 13 demand risk when Qantas buys new planes – not government. Qantas is also able to make sophisticated arrangements with other market players to manage those risks. But we should not forget that though it is often not the right bearer of commercial risk, government – with its immense size, credibility in capital markets and its taxing power – is an excellent, least cost bearer of some kinds of risk. As we have privatised state owned enterprises and property, government has been simply buying back its debt, rather than rebalancing them as a private wealth manager would do based on an appreciation of its risk preferences. Yet the issue of asset allocation is surely a separate issue from the one of whether government should run enterprises. So if it makes sense to sell the Commonwealth Bank and Qantas as I believe it did, if it makes sense to sell off Commonwealth office blocks (which I"m not sure it does) it does not necessarily follow that the funds released from that transaction should simply retire debt. Apart from anything else this represents a sale of high yielding assets to fund the purchase of lower yielding assets. If a well run private firm were to sell some of its businesses it would consider its appetite for risk (or rather the appetite of its owners – and prospective owners – in the market) and then seek an asset allocation that maximised its risk- adjusted return. If that meant retiring debt – well and good. But it is more likely to mean a more complex rebalancing of asset holdings. Currently government asset allocation is largely by default. Government spends the revenue it raises and borrows – or lends – the rest. Government is too large, too important, and has too unique a role in the economy for it to handle its asset allocation by default. The Government has the health of the entire economy to consider, rather than simple returns to itself. But it should have an active asset allocation strategy that considers its role in handling the many risks that must be managed by the economic system. If all this sounds fanciful or perhaps overly theoretical, these issues are actually pressing on government"s attention right now. The funds due on further sale of Telstra raises the spectre of the Commonwealth moving from being a net debtor to being a net creditor in the not so distant future. And the existence of a market in Australian government debt has clear utility in generating information and liquidity for Australian money markets. In my view, providing it is properly balanced, and specific investment decisions occur at arm"s length from Government (probably in the private funds management market), we can all benefit from governments investing in 14 equities. This will make its own contribution to raising equity prices closer to their true value, reducing the debt equity premium. Further it would make sense for government to manage the investment in a broadly "contrarian" way – holding more equities when they are relatively cheap, with less exposure when equity prices are higher. This would generate several benefits. Firstly broad contrarianism is a reliable way to make good returns over time. Secondly contrarian investment would be stabilising investment – at the same time as making money over time, government contrarianism would help reduce their volatility. This would improve their efficiency and also operate counter-cyclically – moderating the economic cycle. A possible institutional framework for such an approach would be a body – such as the Reserve Bank taking responsibility for macro-economic stability and maximising economically sustainable growth. It would play the lead role in managing interest rates, fiscal policy and asset allocation, with private managers competing for funds management contracts and managing stock selection. Again, you may think all this is fanciful, but there are already precedents. This is pretty much what we do now in the foreign exchange market with the Reserve Bank intervening with the objective of reducing both short and longer term volatility and as a result adopting a broadly contrarian strategy. It has bought low and sold high. The result has been out of Milton Friedman"s textbook for beneficial speculation – reducing market volatility at the same time as making money. This is the diagram RBA researchers used to illustrate the ideal behind the strategy. 15 Figure Eight: Stabilising, contrarian investment Source: "Reserve Bank Operations in The Foreign Exchange Market: Effectiveness and Profitability", Andrew, R and Broadbent, J, Research Discussion Paper 9406, November 1994, Reserve Bank of Australia, p. 5 Of course the government agency will not always be a winner. We know the Treasury has not been successful recently, though any such speculation should occur at further distance from government than a government department. I expect the sustained fall in the Australian dollar has also tested the Reserve Bank"s contrarian prowess. But over time I expect it will continue to beat the market. And even if a government holding of higher yield assets did not beat the market it would enjoy a higher return at an acceptable level of risk. Instead of managing our asset allocation by default we should manage it according to the following principles. We should: increase government net worth through the cycle and beyond; and manage government assets so as to improve economic efficiency and growth and contribute to an optimal management of risk by the economic system. 16 Regulation Finally, one agenda in micro-economic reform which has largely stalled is the issue of general regulatory reform. We have made great strides in de- regulation – the sweeping away of regulation that should not exist. Much of this regulation was in the finance sector. But with most regulation simply sweeping it away is not sensible, and is not a political option in a democracy, even if were desirable. We"ve known what regulation should ideally look like since at least the 1960s when the Robins report in the United Kingdom pointed out that regulations requiring a mechanical guard on a machine saw actively prevented better ways of ensuring the safety of workers – such as a light beam circuit. We need what are called "output based" regulation. Yet its amazing how much financial regulation is not "output based". Classic examples of relevance to the property industry are the widespread use of prohibition on various financial transactions – rather than the use of "health warnings" for consumers. Thus foreign loans are all but prohibited, where it would surely meet the regulatory objective to ensure that anyone taking one our was clearly advised of the scope for risk and adverse outcomes. If the prohibition on retail lending in foreign currencies sounds fairly small beer, ask a pensioner how easy it is to get a home loan to unwind the equity in their house to spend in their declining years. The Uniform Credit Code makes it heavy weather indeed. Major lenders have given it up as too much trouble. These restrictions may sound fairly modest, and fairly reasonable. But their significance adds up. Take the arbitrary prudential rules for safeguarding the funds – soon to exceed Australia's GDP – in superannuation. In general, superannuation funds are not permitted to borrow or to invest in derivatives. Of course they should not be permitted to do either of these things imprudently, but derivatives are a risk management tool. It is ridiculous that we impose huge restrictions on using them – as they were by BT before the 1987 crash – to reduce portfolio risk. And as I expect all the delegates here know only too well, well managed debt exposure is central to building wealth efficiently and prudently. Indeed, it will often enable a competent fund manager to achieve a lower risk for high yielding portfolios, because it can be used to increase the asset diversification from equities into property thus increasing asset diversification without sacrificing yield. And – especially at a time when compulsory contributions to superannuation are still inadequate to fund retirement – it is also silly to prevent superannuation funds making prudent use of debt. Take the example of a 20 year old who 17 expects to have at least 25 years of contributions before retirement. Are we really serious that preventing her super fund from accessing some gearing in her super especially early in her working life is in her interest – or the community interest more generally. To provide you with an example we abstracted from tax and took a 20 year old professional contributing $5,000 per year to her superannuation for 25 years with returns at 10% with interest at 6%. The base case generated a fund of $489,000 when she reached 55. If she were to have geared her commencing portfolio at 60% in the first five years, 50% in the next five years falling by 10% each five year period, she would end up with a fund of $703,000. If interest rates were 1% higher, the geared fund would still be $150,000 more. 18 Figure Nine: Superannuation with and without gearing $23,419 Y 50% $17,349 $17,349 -$1,128 $4,973 $2,689 $25,011 $1,592 $30,968 Y 50% $25,011 $25,011 -$1,626 $4,973 $3,877 $33,860 $2,892 $39,347 Y 40% $33,860 $22,573 -$1,467 $4,973 $4,740 $43,573 $4,226 $30,548 Y 40% $43,573 $29,049 -$1,888 $4,973 -$27,306 $21,240 -$9,308 $38,881 Y 40% $21,240 $14,160 -$920 $4,973 $2,974 $29,186 -$9,695 $48,130 Y 40% $29,186 $19,457 -$1,265 $4,973 $4,086 $38,244 -$9,886 $58,397 Y 40% $38,244 $25,496 -$1,657 $4,973 $5,354 $48,571 -$9,826 $69,793 N 30% $48,571 $20,816 -$1,353 $4,973 $6,280 $59,823 -$9,970 $82,443 N 30% $59,823 $25,638 -$1,666 $4,973 $7,734 $72,530 -$9,913 $96,484 N 30% $72,530 $31,084 -$2,020 $4,973 $9,377 $86,879 -$9,605 $112,070 N 30% $86,879 $37,234 -$2,420 $4,973 $11,232 $103,084 -$8,985 $129,370 N 30% $103,084 $44,179 -$2,872 $4,973 $13,327 $121,384 -$7,986 $148,573 N 20% $121,384 $30,346 -$1,972 $4,973 $14,718 $141,074 -$7,499 $169,888 N 20% $141,074 $35,269 -$2,292 $4,973 $17,105 $163,152 -$6,736 $193,549 N 20% $163,152 $40,788 -$2,651 $4,973 $19,782 $187,907 -$5,642 $219,811 N 20% $187,907 $46,977 -$3,053 $4,973 $22,784 $215,663 -$4,149 $248,963 N 20% $215,663 $53,916 -$3,505 $4,973 $26,149 $246,784 -$2,179 $281,322 N 10% $246,784 $27,420 -$1,782 $4,973 $28,380 $280,137 -$1,185 $317,240 N 10% $280,137 $31,126 -$2,023 $4,973 $32,216 $317,325 $86 $357,108 N 10% $317,325 $35,258 -$2,292 $4,973 $36,492 $358,790 $1,682 $401,363 N 10% $358,790 $39,866 -$2,591 $4,973 $41,261 $405,024 $3,661 $450,485 N 10% $405,024 $45,003 -$2,925 $4,973 $46,578 $456,574 $6,089 $800,000 $734,189 $700,000 568920.171 $600,000 $500,000 $456,000 $400,000 $300,000 $1,000,000 $200,000 $450,000 $100,000 $0 $100,000 $10,000 $1,000 2 4 6 8 10 12 14 16 18 20 22 24 ar ye Ungeared Fund Geared Fund If things went wrong and her fund crashed by 25% in the very first year without any "bounceback" or increase in return for the next 24 years, she would take just five years to overtake the non-geared fund from her disastrous start. She 19 would end up with a fund of $634,000 compared with $473,000 in the non- geared case – around $150,000 ahead. Simple rules like "no debt or derivatives" might make sense for self managed funds for instance, but for funds managing billions of funds with elaborate trustee and audit safeguards, such a simple rule is hugely wasteful and inefficient. The appropriate regulation should be like some of the more advanced occupational health and safety regimes where virtually everything is allowed where it is done within the context of a well documented measurable and auditable safety plan. Anyone who can demonstrate that kind of system should be allowed to access a more sophisticated kind of regulation. 'Minimum Effective Regulation' Over fifteen years ago the Commonwealth Government committed itself to "minimum effective regulation". Apart from the various mostly sensible ways in which we"ve deregulated, we have not gone far down the track of embracing output based regulation. This is another area in which large gains could be made and the property and financial markets could become more prosperous and more competitive, leading to greater economic prosperity and security for all Australians. Unfortunately although Oppositions from time to time promise to "cut red tape" our political system – like everyone else"s political system – does not hand out rewards for the kind of high quality processes which are necessary to effective regulation. The various regulation review mechanisms impose apparent scrutiny but are not taken seriously within government – or it has to be said – by business. Business should have a right to require regulators to declare the objectives of their regulation, and a further right to meet those objectives in ways other than those contemplated in the regulation – provided their compliance with the objective is measurable and auditable. The gains from doing something like this would be huge – as the example of superannuation I have given you suggest. 5. Conclusion Finally what would the world I have pictured look like. Some of the burden of aging would be lifted from Government as it would be earning higher returns as a result of sharing more risk in the economy. Over time it this would make a substantial difference. Equity prices would be higher and so hurdle rates for projects would fall. In the long run, a fall in the price of equity driven partly by an increase in 20 indebtedness, could be expected to increase interest rates and returns to debt. In fact it might not end up that way. With rising stock prices, increasing investment and lower levels of volatility we would very likely become a more attractive place to invest.%% Of course nothing in what is here proposed is a panacea. It won"t end the cycle, or prevent all recessions. It won"t abolish risk for anyone, though it will improve the way it is managed and shared within our economic system. It won"t change the fact that hard work and prudent financial management is the foundation of prosperity as it always has been. But it would ensure that as well as working hard, we worked a little smarter, and got a little richer, and a little further out in front as we continued to set the benchmark in worlds best policy practice. 21
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2002 Mazda Protege5 Q&A
2002 Mazda Protege5 Question: Check engine light comes on for a while and goes off sometimes it blinks,
when it is blinking car engine does not die but stepping on the gas makes no differance in car speed. once light goes back to solid on or off it runs fine. Toyota dealer did the 90,000 mile service made no differance they could not find the cause of the light coming on. Auto zone coded read the engine and came up with code P0300 both before the service and after ( Random cylinder misfire detected ) - Rickbayles
2 Answers
Answer 1
why did toy dealer work on your mazda? seek an est and diag from a good ind. shop or maz dealer. or return to toy for warranty issues - globalhelper
Answer 2
You have an intermittent problem...when you say "stepping on the gas makes no difference" are you refering to the car ITSELF speed or the car ENGINE speed? Have a competent independent shop or a Mazda dealership diagnose your car. - your.mechanic
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text: Barry Black - What You Won't Do for Love (The Voice Blind Audition) by Free Britney at September 25, 2013 5:45 am. Comments Share Tweet Email Barry Black sings "What You Won't Do for Love" on his blind audition for The Voice. Edit Delete Follow The Voice? Tag: The Voice Related Videos: The Voice Videos Related Post: The Voice Recap: Season 5 Winner Already Declared By Adam Levine! Uploaded by: Free Britney Uploaded: September 25, 2013 Duration: 267 seconds


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text: So Last Year by Cat-Rabbit Graphics £2$4.18€2.90$3.25 In stock £3.45$7.22€5.01$5.61 delivery to United States - Receive this item 5-10 working days from dispatch International delivery available single card or pack of 5single card or pack of 5 (required)Single cardpack of 5 cards (+ £2)single card or pack of 5 (required)Single cardpack of 5 cards (+ $4.18)single card or pack of 5 (required)Single cardpack of 5 cards (+ €2.90)single card or pack of 5 (required)Single cardpack of 5 cards (+ $3.25) quantity by Cat-Rabbit Graphics Location: Yorkshire, GB read seller's profile see seller's complete range more items from this seller Fairy Lites Christmas Card £2$4.18€2.90$3.25 Santa's Big Lunch Christmas Card £2$4.18€2.90$3.25 Roodolph Christmas Card £2$4.18€2.90$3.25 Snowbathing Christmas Card £2$4.18€2.90$3.25 Snow Balls Christmas Card £2$4.18€2.90$3.25 Five Gold Rings Christmas Card £2$4.18€2.90$3.25 view all you may also like PRODUCT DETAILS CUSTOMER REVIEWS DELIVERY RETURNS Made in Britain ask seller a question save for later Santa's fashion sense is called into question... A quirky, lighthearted design, this will be a particular hit with those interested in fashion and design. The card is size 13 x 18 cm and is printed on high quality FSC approved board from a sustainable source. It comes with a matching bright red envelope. This card is available indiviudually (£2) and also in packs of 5 (£4). product code: 75764 1 customer review Wed 14 Dec 2011 No comment supplied. read about our product rating system ratings guide trusted independent customer feedbackforum excellent bad good poor This product is dispatched to you by Cat-Rabbit Graphics. MAINLAND UK order now and receive this item on or before price Standard Delivery Wednesday 8 July £0.95$1.98€1.38$1.54 NON-MAINLAND UK estimated delivery price Highlands & Islands of Scotland 2-5 working daysfrom dispatch £0.95$1.98€1.38$1.54 Northern Ireland 2-5 working daysfrom dispatch £0.95$1.98€1.38$1.54 Other UK Islands 2-5 working daysfrom dispatch £2.95$6.17€4.28$4.80 INTERNATIONAL DELIVERY estimated delivery price Western Europe 2-5 working daysfrom dispatch £2.75$5.75€3.99$4.47 Rest of Europe 5-10 working daysfrom dispatch £2.75$5.75€3.99$4.47 USA & Canada 5-10 working daysfrom dispatch £3.45$7.22€5.01$5.61 Far East & Australasia 5-10 working daysfrom dispatch £3.45$7.22€5.01$5.61 Rest of the world 5-14 working daysfrom dispatch £3.45$7.22€5.01$5.61 You have 28 days, from receipt of cancellable goods, to notify the seller if you wish to cancel your order or exchange an item. Please note: goods that are personalised, bespoke or made-to-order to your specific requirements, perishable products and personal items sold with a hygiene seal (cosmetics, underwear) in instances where the seal is broken are non-refundable, unless faulty. Read more about our returns policy.Should you choose to return or exchange your order you will need to deliver the item(s) to the UK, where this seller is based. Cat-Rabbit Graphics's return policy


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Activists with Equality Florida, the largest LGBT rights group in the state, have kicked off a campaign to legalize gay marriage.
The campaign, called "Get Engaged," is being billed as the group's "statewide call to action with the goal of securing the freedom to marry in Florida," On Top Magazine reported.
Equality Florida Executive Director Nadine Smith didn't specify whether the campaign would include a petition to repeal the gay marriage ban law that was approved in 2008, the magazine reported.
"We're not in a position to say that that's the best course," she told On Top Magazine. "So I would say the best answer is we're not committed to the 2014 ballot. But every option remains on the table. It will depend on a lot of factors. The path ... is not yet certain."
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Maintaining sort order on large playlists
Ask iLounge offers readers the opportunity to get answers to their iPod-, iPhone-, iPad-, iTunes-, or Apple TV-related questions from a member of the iLounge editorial team. We'll answer several questions here each week, and of course, you can always get help with more immediate concerns from the iLounge Discussion Forums. Submit your questions for consideration using our Ask iLounge Submit Form. We reserve the right to edit questions for grammar, spelling, and length.
I'd like to create a playlist containing Rolling Stones' Top 500 songs, and order them by the rank that Rolling Stone's gave them in their list, i.e.:
|Like a Rolling Stone
|Bob Dylan
|(I Can't Get No) Satisfaction
|The Rolling Stones
|John Lennon
|What's Going On
|Marvin Gaye
|Aretha Franklin
|Good Vibrations
|The Beach Boys
|Johnny B. Goode
|Chuck Berry
I certainly want to keep the existing info for each file, track, album, etc. How would you suggest creating this type of playlist and still maintaining the ranking?
- Blake
There are several ways this can be done. First, the easiest: simply create a manual playlist containing the songs in the Top 500 list. Then, put the songs into their appropriate ranking by dragging them up and down the list. Make sure that the leftmost column header is colored blue. When this is column header is active (and shuffle is off), the sort will be maintained in iTunes and sent to the iPod. Change to another column heading or turn shuffle on, and your sort will temporarily disappear. If you do this accidentally, don't fret: your sort is still maintained, and all you have to do is reselect the leftmost column header. It's a bit confusing that the numbers on the left don't change as you play with the columns, but know that you can always restore your manual sort.
Sure, that method is drag-and-drop easy, but in our opinion, it's very dangerous. If you accidentally delete that playlist, you've likely lost hours of dragging and dropping. How would we do it? We'd use the "Comment" tag to permanently mark each member of the list with its ranking. If you do, be sure that you'll use something that is unique, and will correctly behave in a computerized sort. For example, we'd use something like "RS-001 through RS-500."
You may find it worthwhile to do the first method before beginning to tag your "Comments" field, so that you can keep the "Get Info" window open, and press "Next" to advance to the next song's "Get Info" panel directly.
With these tags in the "Comments" field, you could then create a smart playlist that looks like the following:
Then, sort the contents of the smart playlist by the "Comment" tag, in ascending mode (triangle pointing up), and you have a Top 500 list that's simple to regenerate! Sure, it will take a lot of repetitive work to initially create, but it's far more permanent.
One more thing: when you're done, please post it as an iMix! We're sure many would like the ability to view this compilation in order, with instant previews. (You can only publish 250 songs per iMix, so if you do this, you'll have to break it up into two).
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Books· Peace on Earth· Noddy in Wonderland· Hand in Glove· Foot Soldiers· For the Love Of A Woman· La Joie de Vivre· Mole Smith and the Diamond Studded PistolPoetry· In the deathlight (also a song)· What�s Beyond· Do You Know...? (also a song)· The Love At The Centre (also a song)· Cats (also a song)· The World is a Circle· Keep on Laughing, My Son (also a song)· Living Free (Also a Song)· Spaghetti Man (Also a Song)· Long Road (also a song). More poetry...News· NEW Q&A WITH PADDY BOSTOCK· NEW PRESS RELEASE FOR PEACE ON EARTH· FOUR GLOWING REVIEWS FOR PEACE ON EARTH· New 5-STAR review for Paddy Bostock's PEACE ON EARTH· 5-STAR REVIEW FOR PEACE ON EARTH· PEACE ON EARTH IN PAPERBACK· PEACE ON EARTH ON AMAZON
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Worry about your cellphone! Others may have spooky designs on it.
Disgraced don, failed crime-fiction writer, plagiarist, and part-time PI Jake Flintlock is appointed to investigate a murder linked with his former university alongside his sidekick Bum Park. Progress on the case is slow due to domestic distractions deflecting Jake's attention, even though some clues are found. Matters precipitate when he is kidnapped by the murderer and spirited away to an ancient castle in Swabia, where the force of the initial crime fades into insignificance in comparison with the wider plot conceived within its walls.
The main action takes place in Primrose Hill (North West London) and South West Germany.
Worry about your cellphone! Others may have spooky designs on it.
Disgraced don, failed crime-fiction writer, plagiarist, and part-time PI Jake Flintlock is appointed to investigate a murder linked with his former university alongside his sidekick Bum Park. Progress on the case is slow due to domestic distractions deflecting Jake's attention, even though some clues are found. Matters precipitate when he is kidnapped by the murderer and spirited away to an ancient castle in Swabia, where the force of the initial crime fades into insignificance in comparison with the wider plot conceived within its walls.
�No lights, Jake,� I muttered as I peered into the gloom. Never mind how hard it was going to be for a computer illiterate Flintlock to investigate a top-secret laboratory in the dark, I couldn�t take any chances.
�And don�t touch anything.� I told myself, groping my way along the bench that sported the pickled-toad jar.
Ever since setting fire to the chemistry lab at school while trying to make potassium nitrate and then also being banished from the physics and biology labs--for minor infractions with iron filings and an electromagnet in the former case, and an exoskeleton I happened to stand on in the latter--such places had filled me with angst. As had science itself, about which I had learnt practically nothing what with the bans and being advised by teachers it would be safer for all concerned if I concentrated on bullshitting about books instead.
Carefully removing my hand from the bench, therefore, I tippy-toed further into the room.
Until I saw a little, dim, green light flickering.
Where was that coming from?
A computer as it turned out, one some careless scientist must have forgotten to turn off.
�Well, well, well,� I said, sitting on the leather swivel and peering at the screen. Not that the peering did me much good. The screen would remain blank and blinking for maybe ten seconds, then a series of Einstein-type equations would scroll across it for thirty seconds, after which it would go back to blank and blinking, a process that repeated itself apparently ad infinitum. Different, and much longer, equations each time but fat chance I could understand any of them. What we were talking about here was a person who had only the vaguest idea of what E=mc2 meant.
Meanwhile Knut�s wrist watch ticked down the minutes. I had maybe six left.
�Fuck,� I said, knowing I needed to ask the computer the questions to which I needed answers but not knowing how.
�Fuck, fuck, fuck, fuckity, fuck,� I said.
You know how it is when you try opening a cellophane-wrapped package with the little, red, easy-opener strip. How you tear at it, then start biting at it, which doesn�t work either, only signals expensive dentistry--and still you don�t think of scissors. How you then resort to the hammer and chisel that presage a visit to the A&E and still the package laughs back at you, which makes you madder than hell so you hurl it at a wall and, when it bounces back, jump up and down on it until it finally bursts open and spills its contents all over the floor meaning you can�t use them anyway.
Well, multiply that frustration by a factor of n and you�ll gain marginal insight into the sort of trauma I was experiencing as Knut�s M�hle Glash�tte Zeitmeister ticked down the minutes telling me I needed to be out of there pronto or else face detection issues which could exponentially reduce my lifespan.
� C�mon, gimme a break here!� I was saying, as a Flintlock forefinger jabbed willy-nilly at the computer�s keyboard which caused the screen to light up and then, as my eyes widened, to provide me with a Google-type box which asked me if I was feeling lucky.
Sharp intake of Flintlock breath.
On the other hand, I wasn�t entirely surprised. The same thing had happened on a number of occasions when writing my failed crime fiction on the iMac. Hitting the wrong combination of command keys I�d been presented with screen after screen asking me if I really wanted to continue writing plotless crap or would I prefer--which the iMac highly recommended--to seek advice from people who knew how to write crime fiction? In which case all I had to do was check the HELP subscreen for options. Embarrassing? Of course it was. On every occasion the message appeared, I�d clicked it right off--well, apart from the time I relented and was introduced to Hyram X. Zuggenheimer IV Jnr.
But no clicking off this time. No siree. Not when serendipity was playing into my hands for once.
And so it was that, going for the rollover jackpot answer to all my questions, I typed DOCTOR BUM PARK into the search box and within the next five seconds received the information that would shake me to my boots--okay, Knut�s boots.
�Bloody hell !� I whispered as I scanned and rescanned the terse few sentences that provided me with the lowdown on not only Crispin�s interest in Bum but also the strategy that underpinned it.
�Bloody HELL,� I re-whispered, rolling back on the leather swivel�s castors and taking deep breaths before switching the computer off at the mains then yanking out the plug just to be on the safe side. Easier by a margin than trying to figure out how to quit file.
Knut�s watch told me I was one minute ahead of schedule.
Okay, Jake, ookay, now get your arse out of here and figure out how to take the bad news from Ghent to Aix...
Reviews for "Two Down"
Reviewed by Ronald Hull
Paddy Bostock's novel, Two Down, is a farce de force of crime fiction. Dr. Bostock shows off his considerable literary ability in this Sherlock Holmes cum 007 mystery that comes on like Crash set in the center of London rather than Los Angeles. Paddy's antihero, Dr. Jake Flintlock, is a fired professor, failed novelist, paparazzi PI with a considerable English heritage manufactured by his uncle that serves as a source of his brash behavior leading to solving serious murders and saving the world. Paddy is a master at character development and leaves no part of Jakie's (his beautiful Italian international banker wife, Claudia's moniker for Flintlock) character unrevealed as Jake drinks and bumbles his way through solving masterful intrigue and twists of fate with impeccable fuzzy logic.
Bostock richly embellishes the action with flourishes of French, Italian, German and Spanish, and numerous dialects from Australia to the American ghetto, with references to literature and history abundant, a sense of psychology of a modern-day Freud, and with a vast knowledge of food and drink reminiscent of Playboy Afterhours. With his trusty companion, Binky, a highly communicative hound, Ph.D. PI Jake Flintlock maneuvers traffic bound London on his trusty bicycle, Holdsworth, and relies on his partner, Bum Park, a Korean-black American, to round out the sleuthing skills of his loosely-managed investigative team. Hot on a clue, clueless Flintlock ends up on the Continent in a castle with a whole new set of neo Nazi circumstances to overcome that gets even more convoluted back home on the Thames, not to mention, the Vatican.
Paddy's way with plot rivals his way with words as it thickens and morphs into levels and twists like a collage of crime novels tightly wrapped up in a nice little package and conclusion that will satisfy even the most voracious of crime novel aficionados. I highly recommend Two Down to anyone who loves a good plot, great characters, and good humor throughout. There is something in this novel for everyone��Paddy Bostock sees to that. Now go out and read it. You won't be disappointed. Jolly good, old chap.
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text: The Tripods Attack! by John McNichol I read the second book of this series first because the initial book, The Tripods Attack!, was being reprinted at the time. However, I recently received Tripods where we are introduced to a steampunk world in which young Gilbert Chesterton, recently orphaned, went from his home in Minnesota and [Read More...]


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One dead, one injured in Hickory Hill shooting
One person was dead and another in critical condition after a shooting in Hickory Hill Monday evening, according to Memphis police.
The first victim was pronounced dead at the scene at Knight Road and Winchester. The other was taken to the Regional Medical Center in critical condition.
No arrests had been made, and the names of the victims had not been released.
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And too few insights gleaned from them
Speaking of Science
January 1, 2014|
January 2014's selection of notable quotes
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January 2014's selection of notable quotes
January 1, 2014|
Meet some of the people featured in the January 2014 issue of The Scientist.
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From the launch of preprint servers and post-publication peer review platforms to shakeups within the open-access movement, science publishing saw much change in 2013.
December 26, 2013|
A look at 2013's noteworthy new species
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What researchers learned as they dug through the most highly cited genomes published this year
December 20, 2013|
Scholarly publishing organizations join forces to set standards for aboveboard open access journals.
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The genome of Amborella trichopoda—the sister species of all flowering plants—provides clues about this group's rise to power.
December 18, 2013|
A newly sequenced Neanderthal genome provides insight into the sex lives of human ancestors.
December 17, 2013|
Examination of bones found in a Chinese village suggests that domesticated felines lived side-by-side with humans 5,300 years ago.
December 16, 2013|
Panelists and attendees at the American Society for Cell Biology annual meeting considered the future of peer review and journal impact factors.


text:
So I just got a new 6518 RX and followed the directions to link it to my TQI 2.4GHz tx.
I power it up only to notice the steering only goes half the distance it normally should.
So I reset the TQi to the factory defaults and try it again. Same issue.
I then go into the menu mode and reset the End Points to the factory defaults. Same issue.
Then I go into the menu mode and go to the Set End Points. Here the steering will turn the full distance. So I save the settings and exit the menu only to find that the steering goes back to only going half the distance that I just set it.
I'm at a loss here. Anyone?


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Position: LB
Height: 6-4 Weight: 234 lbs.
Born: September 2, 1984
Drafted by the New England Patriots in the 6th round (197th overall) of the 2008 NFL Draft.
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3 Reviews
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Delicious and easy!!!! My family ate them up.
I made these on the Webber grill last night, using indirect heat, and cherry wood chips instead of the oven. They were great! Thanks for posting.
This is very tasty, sweet, salty, and a little spice. I did make 1/2 the recipe. Makes a lot of sauce you can make 1/2 the marinade and basting sauce and have plenty.


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IBM Social Software
Download the New IBM Connections 5.0 Desktop Plugins
Luis Benitez 120000JC6S firstname.lastname@example.com Tags:  microsoft collaboration content-management file-sync adoption social-business files connectors cloud connections community 5,165 Visits
IBM Connections Desktop plug-ins for Microsoft Windows have just been released to our app catalog.The new
There's a couple of things that I would like to call out here. First, IBM Connections 5.0 will be available for download next week. This is the first time that we have released the desktop plugins before the actual new server code is available. This is because the new desktop plugin also adds new features even if you are not using 5.0.
Second, this is yet another simultaneous release for cloud and on-prem. Cloud customers can download the update directly from the "Apps - Downloads" page within Connections.
Third, as I mentioned earlier in the week, this is the plug-in that adds File Sync capabilities for those that are using IBM Connections 5.0 or later.
Fourth, this release also adds access libraries from IBM Connections Content Manager. Of course, this was already possible before but required installing a separate plugin. In this release, you now install only one plugin simplifying the deployment and adoption process.
Lastly, but not least, this release also adds the ability to browse and access community folders.
Here's a demo that walks through the File Sync capabilities:
So go get it and download today!
Originally published at: http://www.lbenitez.com/2014/06/download-new-ibm-connections-50-desktop.html.
A Little About IBM Connections 5.0 and File Sync
Luis Benitez 120000JC6S firstname.lastname@example.com Tags:  mobile file-sync iphone business-value android connections adoption offline social-business ipad collaboration ios files demo 3 Comments 5,360 Visits
officially announced IBM Connections 5.0 I wanted to take some time and talk about one of the top new features in this release: enterprise file sync and share. Also, if you haven't seen it yet, check out Suzanne Livingston's blog from yesterday where she talks about the new external collaboration features of IBM Connections 5.0. This is a capability that we've had available in our cloud for a while and now we are making it available to our on-prem customers.Now that we have
IBM Connections has already been cited by Forrester as a Leader in their Enterprise File Sync and Share Wave and IDC has stated that when it comes to marketshare, IBM Connections leads the way.
IBM Connections Desktop Plug-Ins (which will be available for download in a couple of days) a new Sync folder will be created under Favorites.
There you can save files directly to IBM Connections and use Connections as your personal backup drive where everything is sync'ed automatically (including of course edits that you make offline).
Another added benefit and differentiator is that right from within your desktop you can right click on a file and act upon it. In other words, you can comment on it, tag it, like it, lock it (to prevent others from editing while you are offline) and even share it with other colleagues without ever having to open a browser. By default, all files are marked as private and only you have access to them. From there you can choose to share with individuals, groups, or communities.
On the mobile side, you can use our native apps for Android and iOS and sync files to your favorite mobile device/tablet. On each device you can manually specify which files you want to have available there. For example, you may want some key presentations on your iPhone, while you have documents, spreadsheets and other assets available in your iPad.
Here's a quick 5 minute demo that show the enterprise file sharing and sync capabilities of IBM Connections 5.0.
If you are an on-prem customer, get ready to download the code next week! Stay tuned for other new features in the coming days.
From Adoption to Adaptation, from Enablement into Engagement - The Upcoming Luis Suarez Masterclass
Luis Benitez 120000JC6S firstname.lastname@example.com Tags:  productivity adoption social-software web2.0 best-practices social-business connections content-management knowledge-management tips community collaboration 12,967 Visits
IBM Connections User Group meeting in Prague! The 6th Social Connections event. There's still time left to register and book your travel plans. With IBM Connections Next now just weeks away, this event couldn't have been timed any better.There are just 12 more days left for the
As I mentioned a few weeks back, I'm going to join the IBMer who fired himself, Luis Suarez, so if you haven't yet, send us your toughest digital business question.
From Adoption to Adaptation, From Enablement to Engagement.
Whether you are just getting started with your Social Business Adaptation Journey, or whether you are already a very well seasoned 2.0 knowledge worker, this workshop will provide you an opportunity to learn with other fellow practitioners through plenty of practical, hands-on advice, good practices, lots of hints and tips and, most importantly, all of the necessary knowledge resources available to date. This is a great opportunity to learn how you can get the most out of your IBM Connections deployment. It will help you as well to even break free from the email yoke: Outside of the Inbox.
This will be an all day workshop and capacity is limited to 25 people to ensure that it's personal and focused. Therefore, if you haven't yet, go ahead and register now.
Originally posted over at: http://www.lbenitez.com/2014/06/from-adoption-to-adaptation-from.html
Get 5 minute tips on IBM Connections -- every day!
Luis Benitez 120000JC6S email@example.com Tags:  tips adoption business-value connections social-business podcast mobile 2,281 Visits
If you got here, you are either a regular subscriber to this blog, a fan of IBM Connections, or you are looking for tips and tricks to get the most value out of the enterprise social collaboration platform. Maybe you have a question on how to drive adoption, how to tune your email notifications, how to better structure your community navigation, or you are looking to learn more about IBM Connections.
Let me know what you think and send questions to Jim via Twitter if you want your own question to be answered.
This post was originally posted at: http://www.lbenitez.com/2014/04/get-5-minute-tips-on-ibm-connections.html
Enterprise Social Software Market Hits $1B, IBM Leads for 5th Consecutive Year
Luis Benitez 120000JC6S firstname.lastname@example.com Tags:  adoption collaboration hr business-value connections reports press social-business enterprise2.0 2,601 Visits
IBM today announced that for the fifth consecutive year, IDC ranked the company number one in worldwide market share for enterprise social software. According to the press release, IDC's analysis of 2013 revenue, the worldwide market for enterprise social software applications grew from $968 million in 2012 to $1,242 million in 2013.
Customers are increasingly assuming that all applications must be social. IBM's focus on a core social networking platform to support application environments, such as Smarter Commerce and Smarter Workforce aligns well with this customer intent.
Here's a look at the key innovations in the past 5 years (click to see it full screen):
Want to see what's coming in the latest release of IBM Connections? Then don't wait and register today and see you on May 21st.
This post was originally published at: http://www.lbenitez.com/2014/04/enterprise-social-software-market-hits.html
Social HR Powered by KangoGift and IBM Connections
Luis Benitez 120000JC6S email@example.com Tags:  presentations business-partners best-practices enterprise2.0 adoption hr social-business 3,085 Visits
By now, you hopefully know our landing page for everything Social Business: http://ibm.com/social. We have recently updated this page to feature various partner solutions such as Dynamic Signal, KangoGift, among others.
You may remember that I first blogged about KangoGift 2 months ago.
In a recent presentation shared by KangoGift, they explain the challenges faced by many HR departments, for example, high turnover rates and misalignment to company values. If you are reading this post, you are most likely undergoing a social business transformation and, hopeful, HR is part of it.
With KangoGift's integration into Connections, you can quickly bring six HR processes and bring it into the social business platform. I believe this is important as it promotes usage and realizes the social business vision
Check out their presentation below:
To learn more about KangoGift, go here.


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Growth and Divergence in Manufacturing Performance in South and East Asia
The growth experience in manufacturing in South and East Asian economies is well documented. Less is known about absolute levels of economic performance. This paper presents a star comparison of six Asian economies (China, India, Indonesia, Japan, South Korea and Taiwan) and the USA, the world productivity leader in manufacturing. The comparison of manufacturing performance is based on an industry of origin approach. Korea and Taiwan experienced catch up compared to the USA, especially since 1985. In 1993, labour productivity in manufacturing in these countries had increased to 49% of the US level in the case of Korea, and to 28% in the case of Taiwan. On the other hand, relative productivity levels in Indonesia, India and China stagnated throughout the 1980s, and are only recently showing weak signs of convergence. Comparative levels of labour productivity were 12% in Indonesia (in 1993), 9% in India (in 1990) and 6% in China (in 1992). Adjusting for small scale establishments brings down the levels in the latter group even further. A breakdown of manufacturing performance by fourteen branches of manufacturing, revealed the same patterns in each countries as at the aggregate level of manufacturing. This indicates that the factors making for catch-up or relative stagnation operate at the level of the total economy, rather than within specific branches. This finding is consistent with theories of conditional convergence. Structural change within manufacturing contributed little or even negatively to the growth in labour productivity. There is no evidence of a systematic pattern of structural change from early industries characterised by low productivity levels, to late industries characterised by high productivity. Manufacturing structures of both catch-up and non-catch economies tend to converge to each other. Comparisons of levels and trends of capital intensity and total factor productivity show a similar distinction between catch-up and non-catch-up economies. In Korea and Taiwan, labour productivity catch up is due to catch up in capital intensity, rather than catch up in total factor productivity. Capital intensity in Korea is 65% of the USA (in 1986) and almost 50% in Taiwan (in 1991), while relative total factor productivity levels are still below 30% of the US level in both economies. Capital intensities in China, India and Indonesia are still below 30% of the USA, with relative total factor productivities not exceeding the 25% level.
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LONDON: Works of three Indian writers — Amitav Ghosh, Rahul Bhattacharya and Jahnavi Barua — have been shortlisted for the 2011 Man Asian Literary Prize.
Ghosh's "River of Smoke," "The Sly Company of People Who Care" by Bhattacharya and Barua's "Rebirth" are the novels that figure in the shortlist, announced here Jan. 10. Jamil Ahmad (Pakistan, "The Wandering Falcon"), Kyung-sook Shin (South Korea, "Please Look After Mom"), Yan Lianke (China, "Dream of Ding Village") and Banana Yoshimoto (Japan, "The Lake") complete the shortlist of the prize given to the best novel by an Asian writer, either written in English or translated into English.
The winning author is awarded $ 30,000 and the translator (if any) $5,000.
Four of these novels were originally written in English while the books from South Korea, China and Japan were all judged in translation.
"The judges were greatly impressed by the imaginative power of the stories now being written about rapidly changing life in worlds as diverse as the arid borderlands of Pakistan, the crowded cityscape of modern Seoul, and the opium factories of nineteenth century Canton," said chair judge Razia Iqbal. "This power and diversity made it imperative for us to expand the 2011 Man Asian Literary Prize shortlist beyond the usual five books."
The two other judges for this year's prize are Pulitzer finalist and author of "The Surrendered" Chang-rae Lee and Vikas Swarup, author of "Q&A," which was filmed as the Oscar-winning "Slumdog Millionaire."
Five Indians were named in the longlist in November. The two Indians who did not make the cut are Anuradha Roy ("The Folded Earth") and Tarun Tejpal ("The Valley of Masks").
Ninety books were submitted for entry in 2011. The winner will be named Mar. 15 in Hong Kong, the home of the prize founded in 2007.
Stay updated on the go with Times of India News App. Click here to download it for your device.
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text:
Warriors march on
Leaders run in seven tries to pull three points clear at the top
Last Updated: 09/06/12 7:52pm
Stobart Super League leaders Wigan Warriors pulled three points clear at the top thanks to a hard-fought 36-14 win over Catalan Dragons.
George Carmont notched a second-half brace as the Warriors ran in seven tries, while Scott Dureau scored all of the points for the third-placed hosts.
However, the result was much closer than the scoreline suggests as time and time again the home side were on the wrong end of some baffling refereeing decisions.
The main contentious decision came just before half-time when Josh Charnley appeared to score a try despite his elbow being in touch. Despite a video referee being available to James Child, the referee opted to give the try without the assistance.
After last weekend's defeat at Salford, this was a much better Catalan performance and they took the lead early through a Dureau penalty.
There are still signs that the home side are not at their best however, when - with Gil Dudson in the sin-bin for a late challenge on Dureau - Wigan managed to score two tries. Charnley converted one of them to give the Warriors a 10-2 lead.
Reduce arrears
The video referee was needed in the 18th minute when he awarded a penalty try to the Catalans after Michael McIlorum tackled Clint Greenshields just before the tryline without the ball as the full-back chased Setaimata Sa's kick through. Dureau added the conversion to reduce the arrears to 10-8.
Just before the break Louis Anderson left the field with a shoulder injury, and down the right hand edge that he had been defending in Sam Tomkins set Charnley free to dive over for his controversial effort. Charnley failed to convert his effort as the half time hooter went.
Six minutes after the turnaround, Charnley did extend the Warriors lead with a penalty from in front of the posts, given for the markers not being square at the play the ball.
Wigan extended their lead further four minutes later with a superb try that involved Sean O'Loughlin, Jeff Lima, McIlorum and Brett Finch before the ball found its way to Carmont to score his first of the afternoon. Again Charnley failed with the conversion.
On the hour the ball was sent to the Wigan left and Jack Hughes managed to offload to the supporting Carmont to score to the left of the posts. Charnley again missed the conversion attempt.
Dureau narrowed the deficit with a quick tap penalty that caught the Wigan defence napping as he raced in from 60 metres out to score under the posts. He quickly converted his own try to narrow the gap further to 10 points with 10 minutes remaining.
However, Wigan finished the stronger and late tries from Tomkins and Hughes extended their advantage. Tomkins took over the kicking duties from Charnley and converted both efforts.
First Utility Super League
Tue 30th Jun
Hull K R34 - 28Salford Red Devils
Wed 1st Jul
Wakefield Wildcats26 - 16Hull FC
Thu 2nd Jul
Warrington Wolves17 - 6Wigan Warriors
Fri 3rd Jul
Leeds Rhinos46 - 18St Helens
Sun 5th Jul
Huddersfield Giants32 - 14Hull K R
Hull FC31 - 24Wakefield Wildcats
Salford Red Devils18 - 14Catalans Dragons
Castleford Tigers34 - 20Widnes Vikings
Thu 9th Jul
Wigan WarriorsvsLeeds Rhinos
Fri 10th Jul
St HelensvsHuddersfield Giants
Sun 12th Jul
Hull FC0 - 0Castleford Tigers
Salford Red Devils0 - 0Hull K R
Wakefield Wildcats0 - 0Warrington Wolves
Widnes Vikings0 - 0Catalans Dragons
Thu 16th Jul
Warrington WolvesvsSt Helens
Fri 17th Jul
Hull K RvsHull FC
Leeds Rhinos0 - 0Salford Red Devils
Wigan Warriors0 - 0Widnes Vikings
Sat 18th Jul
Catalans DragonsvsHuddersfield Giants
Sun 19th Jul
Wakefield Wildcats0 - 0Castleford Tigers
Thu 23rd Jul
Hull FCvsWigan Warriors
Fri 24th Jul
St Helens0 - 0Hull K R
Sun 26th Jul
Huddersfield Giants0 - 0Wakefield Wildcats
Leeds Rhinos0 - 0Catalans Dragons
Widnes Vikings0 - 0Salford Red Devils
Castleford Tigers0 - 0Warrington Wolves