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John McCain
Ted Cruz's nutty Senate takeover: Why GOP's "amnesty" freakout is a horrifying omen
The Tea Party's talking shutdown before the president announces his immigration plan. Here's why it's so troublingFriday, Nov 14, 2014 11:59 AM UTC 0
Media Ted Cruz, Mitch McConnell
EXCLUSIVE: John McCain answers Salon questions about Ted Cruz, ISIS and repealing Obamacare
GOP senator and ex-presidential candidate tells Salon about war, gridlock -- and why it won't be Ted Cruz's SenateTuesday, Nov 11, 2014 9:25 PM UTC 0
Elections John McCain, mark salter
"So wrong about so much": Paul Krugman blasts newly empowered GOP
The economist asks how a party that's gotten every major policy question wrong could do so well at the ballot boxFriday, Nov 7, 2014 1:45 PM UTC 0
Politics Paul Krugman
Obama names "Ebola czar," immediately gets new attack from the right
President names Ron Klain to lead Ebola effort, giving GOP the "czar" it wanted. Now it's moved on to a new gripeFriday, Oct 17, 2014 3:55 PM UTC 0
Politics President Obama, ebola
John McCain's new humiliation: Why his "Ebola Czar" idea is particularly ludicrous
McCain and others want Obama to appoint a flashy "Ebola Czar" to allay the public panic... that they're creatingMonday, Oct 13, 2014 4:45 PM UTC 0
Politics ebola, 2014 elections
GOP's full-blown panic: Why they're pushing national security again
Look closely and you'll see the old Republican strategy of attacking Dems on defense is back. Here's the reason why VIDEOThursday, Oct 9, 2014 11:00 AM UTC 0
Politics Video, The Right, GOP, Republicans
Discrimination is an "inalienable" right: The 5 juiciest revelations in the New Yorker's Rand Paul profile
From tensions with Ron Paul to his support for legalized discrimination, a new profile sheds an unflattering lightMonday, Sep 29, 2014 1:47 PM UTC 0
Politics Rand Paul, 2016 Elections
Tea Partyer: John McCain a "118-year-old" warmonger
Ex-congressman Joe Walsh says the Arizona senator doesn't deserve another term -- and some other thingsThursday, Sep 25, 2014 3:12 PM UTC 0
Politics Politics, John McCain, Tea Party
GOP terrified of Kansas fiasco: How they're desperately trying to save Senate seat
Paul Ryan, Rand Paul and other "luminaries" are all flocking to Kansas, as GOP finally recognizes a mortal threatWednesday, Sep 24, 2014 6:59 PM UTC 0
Politics 2014 elections, Kansas
John McCain reverses course, hints he'll run again
America's most unpopular senator says he's "feeling inclined" to seek another termMonday, Sep 22, 2014 4:14 PM UTC 0
Politics John McCain, Arizona
Barack Obama's worst defeat: How the president defined dovishness down
The man who vowed to end our "perpetual wartime footing" embraces ISIS policy one might call neoconservatism-liteSaturday, Sep 20, 2014 10:30 AM UTC 0
Media Barack Obama, isis, ISIL
Rand Paul's McCain embarrassment: More amateur hour for sloppy senator
The Kentucky senator uses the debunked "McCain met with ISIS!" story to argue against a plan to arm Syrian rebelsWednesday, Sep 17, 2014 2:17 PM UTC 0
News Rand Paul, John McCain, isis
There's a lot less keeping the U.S. from sending ground troops to Iraq than you think
A Senate hearing on Tuesday did little to calm those who fear of a slippery slope leading to a greater warTuesday, Sep 16, 2014 7:00 PM UTC 0
News The Huffington Post
Stephen Colbert reminds us that McCain and Bush had it right all along
"It's like [Bush] is some kind of prophet. What's his name? Nostra-dumbass?" VIDEOFriday, Sep 12, 2014 1:37 PM UTC 0
Entertainment Video, Stephen Colbert
We don't need another Tim Russert: Stop sainting Washington's most over-praised, overrated journalist
The new "MTP" moderator will inevitably be weighed against Tim Russert. Chuck Todd should forge his own path VIDEOWednesday, Sep 10, 2014 11:44 AM UTC 0
Media Video, chuck todd, Tim Russert
American warmongers' fatal conceit: The massive insecurity behind their calls for blood
The neoconservative "do something" crowd are really "Know Nothings" -- and fatally misread the decade after 9/11Saturday, Sep 6, 2014 12:00 PM UTC 0
Media Dan Froomkin, The Intercept, isis
It's John McCain's party again: How the GOP returned to total hawkishness
With the rise of ISIS, whatever GOP debates there were about the wisdom of interventionism are goneFriday, Sep 5, 2014 4:12 PM UTC 0
Politics isis, John McCain, Rand Paul
"Last Days in Vietnam": Is the humiliation of 1975 about to be repeated?
A mesmerizing documentary captures the trauma -- and the heroism -- of America's final exit from Southeast AsiaThursday, Sep 4, 2014 11:00 PM UTC 0
Entertainment Movies, Documentaries
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PRACDL invites all defense attorneys to attend a chat with U.S. District Judge Nancy Gertner on sentencing issues, on Tuesday, June 19, 2007 at 4:00 p.m., at the Chief Judge's Courtroom. This is a special treat you should not miss out on. There is no cost for attending. This will be followed by a cocktails at El Deli (cash bar).
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subset: commoncrawl


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SPRINGFIELD - The city council is expected to vote at its next meeting on an ordinance that would extend the hours establishments can serve alcohol in the city....
GARDEN CITY - Jenkins football coach Tim Adams did not stray far from his game plan Thursday night in his Warriors' season opener against South Effingham at Garden City Stadium....
SYLVANIA - Effingham County High School's trademark cannon was firing Friday night at Kelly Memorial Stadium in new Rebel commander Rick Tomberlin's premier.
The Rebels found the end zone four times, as they downed the Screven County Gamecocks, 28-14.
"It was a great win," Tomberlin said after the g...
GARDEN CITY - Jenkins football coach Tim Adams did not stray far from his game plan Thursday night in his Warriors' season opener against South Effingham at Garden City Stadium. In the end, his directive to run the football and stop the other team's running game paid off as Jenkins topped the Mustangs, 19-3.
SPRINGFIELD - Just after sweeping Effingham County High's volleyball team, Richmond Hill found itself on the other side of a sweep....
When the South Effingham and Jenkins football teams meet at Garden City Stadium tonight at 7 o'clock, both schools' coaches will have firsts on their minds. First-year Mustang head coach Donnie Revell eyes his first career victory, while seventh-year Jenkins leader Tim Adams seeks his program's first win over SEHS.
SPRINGFIELD - The last time Effingham County High's football team lined up against Screven County in a regular season game, the Gamecocks dismantled the Rebels, 47-19....
SPRINGFIELD - With the smooth, steady hand of a craftsman, Kenny Jett glides an orbital sander across freshly cut wood.
"Those will go in (Effingham Career Academy CEO) Mrs. Evonne Mobley's office," Jett said as he pointed to four cabinets resting on a table. "I should be putting them in there tomor...
GUYTON - A new era in Mustang football is set to start Thursday night when South Effingham travels to Garden City to face Jenkins High....
GUYTON - Before the lightning - and eventually the rain - kept both teams off the field, the South Effingham and Evans softball teams played enough to make game one official Friday....
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ISL match preview: Atletico de Kolkata vs Kerela Blasters FCKOCHI: There is not much to separate as Atletico de Kolkata, aiming to regain the perch they just lost, gear up to lock horns with the steadily-improving Kerala Blasters FC in an Indian Super League ( ISL ) match on Friday. While Atletico de ... Firstpost.com, 1 week ago
Atletico de Kolkata, Chennaiyin FC look to consolidate in ISL - ZeeNews.com, 1 week ago
6 images for james perch
ISL: Chopra's return should boost Kerala Blasters attack
Comment · print · T T T+· T- The Hindu STRIKE OPTION: Having being toppled off its perch, Atletico de Kolkata will look to striker Fikru Lemessa (left) to regain its primacy. Photo: H. Vibhu TOPICS The return of Michael Chopra should ...The Hindu, 1 week ago
The Crosby SoHo New York: Best Hotels in the World
By Nancy and James Chuda founders of LuxEcoLiving and co-founders of Healthy Child Healthy World I miss my dog ! Not enough to fly him cross country in the belly of an airplane. But just enough to settle for a hand carved wooden clone. [embedded ...Huffington Post, 1 week ago
Enigmatic Spader revels in Blacklist
Video Image The Blacklist second season sneak peek 0:30 Play video Red Reddington (James Spader) returns to face a deadly international threat on The Blacklist season 2. news.com.au 25 Sep 2014 Entertainment Masterful ... The enigmatic James ...Brisbane Courier-Mail, 3 weeks ago Red is the New Black Examiner.com, 1 month ago
Miami joins list of schools deploying drones
From a camera perched atop a sideline tower on the Miami practice field, it seemed like Hurricanes quarterback Brad Kaaya misread a particular play. The camera hovering five feet over his head showed otherwise. With the help of an affordable ...Miami Herald, 3 weeks ago
James Joyce hated the place - but for a novel holiday try gorgeous Istria
WHEN it comes to fungus, Blackie has the best snout in the business. The little rough-haired dog spends her days snuffling out the most expensive mushrooms in the world - truffles. WHEN it comes to fungus, Blackie has the best snout in the business.Irish Independent, 1 month ago
James HooK lobster company will use its prime Boston waterfront location to build a high rise
James Hook lobster company will use its prime Boston waterfront location to build a high rise with large seafood restaurant The family that owns the James Hook & Co. seafood store in Boston wants to build a residential tower and restaurant ...Seafood.com, 1 month ago Hook & Co will use its prime Boston waterfront location to build a high rise Seafood.com, 1 month ago Residential tower on waterfront is proposed Boston Globe, 1 month ago
Calm and Collected: At Home with the Duo Behind Aesthetic Movement
How to live cost-consciously—and exceptionally well—in NYC? Creative consultants and product developers Jesse James and Costas (Gus) Anagnopoulos solved the riddle for themselves and their daughter, Olympia, by leaving Williamsburg, Brooklyn, ...MSN South Africa, 1 month ago
Review: Spark Theater's "Dracula"
Spark Theater's production of "Dracula" opens silently with two cloaked, hooded figures standing on perches, bearing an unnerving similarity to images of torture victims. That sets the stage, literally, for a dark version of the story about the ...Denver Post, 1 month ago
TV Review: Blacklist Still Thrilling, If Silly
At times during its first season, The Blacklist felt like two series in one: The very good one starring James Spader as a ruthless criminal, and the more mundane procedural in which he had taken refuge. Thanks to the show's success, though, NBC ...Variety, 2 months ago TV Review: The Blacklist Bows; Under the Dome Implodes (SPOILERS) PR Web via Yahoo!, 2 months ago
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text: Girls Eskimo Snow Globe by Lime Lace £16.95$32.33€22.31$28.37 In stock £2.75$5.24€3.62$4.60 mainland UK delivery - Order now and receive this item on or before Wednesday 3 December £2.75$5.24€3.62$4.60 mainland UK deliveryEstimated delivery: 2-5 days £7.70$14.69€10.13$12.89 Express Next Day - Order now and receive this item on or before Monday 1 December Express delivery available International delivery available quantity by Lime Lace Location: North Yorkshire, GB read seller's profile see seller's complete range more items from this seller Snow Girl Snow Globe £16.95$32.33€22.31$28.37 White Polar Bear Snow Globe £16.95$32.33€22.31$28.37 Personalised Bottle Opener £21$40.06€27.65$35.16 Kate Bush Album In Book Form Print £24.95$47.60€32.85$41.77 Music Album In Book Form Print £24.95$47.60€32.85$41.77 Personalised Hand Stamped Mans Cuff £24.95$47.60€32.85$41.77 view all you may also like PRODUCT DETAILS DELIVERY RETURNS ask seller a question Cute eskimo girls snow globe. This charming Eskimo snow globe with falling snow flakes features two little Eskimo girls and creates a wonderful nostalgic feeling. The cute Eskimos are all wrapped up ready for winter and just give the globe a little shake to make the snow fall around them and imagine yourself in winter wonderland! made from: Plastic dimensions: H 8cm product code: 284084 This product is dispatched to you by Lime Lace. MAINLAND UK order now and receive this item on or before price Standard Delivery Wednesday 3 December £2.75$5.24€3.62$4.60 Two Day Delivery Tuesday 2 December £6.70$12.78€8.82$11.21 Express Next Day Monday 1 December £7.70$14.69€10.13$12.89 NON-MAINLAND UK estimated delivery price Highlands & Islands of Scotland 2-5 daysfrom dispatch £2.75$5.24€3.62$4.60 Northern Ireland 2-5 daysfrom dispatch £2.75$5.24€3.62$4.60 Other UK Islands 2-5 daysfrom dispatch £4.95$9.44€6.51$8.28 INTERNATIONAL DELIVERY estimated delivery price Western Europe 2-5 daysfrom dispatch £9.95$18.98€13.10$16.65 Rest of Europe 5-10 daysfrom dispatch £9.95$18.98€13.10$16.65 USA & Canada 5-10 daysfrom dispatch £17.95$34.24€23.63$30.05 Far East & Australasia 5-10 daysfrom dispatch £17.95$34.24€23.63$30.05 Rest of the world 5-14 daysfrom dispatch £17.95$34.24€23.63$30.05 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. Lime Lace's return policy


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Outstanding, competent, resourceful , and friendly. Mr. Millar handled my immigration case and delivered results in six month (cross border issues)....
Posted by: Harsha, about 2 years ago.
I hired Duncan Millar after being refused entry to the U.S. I am Canadian and my wife is a U.S. citizen and the U.S. border was treating me like a...
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2 endorsements
I have known Mr. Duncan Millar for over 20 years and can attest to his honesty, integrity, exemplary work ethic and sincere committment to his...
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BaiduOS-ROM44_U8951_U8833 24-2-2014 Needs Euro baseband calls work but it hangs on call.
Gapps 4.1.2
Google Keyboard
I removed much of the Chinese bloat with app master after installing gapps. You'll have to change language to English in options and select Google keyboard as default input method.
I also disabled bulletin service (built in Chinese news) in home settings>bulletin. Seems a little slow at 1st but more stable than lewaos5.
Antutu gave me 8454 with G510-0100.
Nice selection of themes to download direct from china with built in app.
Root option in security
3G working.(Irish vodafone tested)
Battery: (pending)
This is a ROM that works and a valid option for users looking for something different.
Edited by rsgametech, 25 February 2014 - 09:44 PM.


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1/1 Photo of Grilled Chicken Tacos
Prep Time:
Cook Time:
8 hrs
20 mins
I found this recipe years ago in Quick Cooking magazine. It take some marinating time, but is worth the wait. The chicken is juicy and flavorful, and I've used it in tacos and fajitas. Usually I serve it with guacamole or a homeade pico de gallo or salsa with some rice on the side. Nice easy summer recipe! Prep time includes marinating time.
Units: US | Metric
Serving Size: 1 (130 g)
Servings Per Recipe: 6
Make this season merry, bright and manageable with our easy ideas.


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View Kendall J. Anderson, CFA's Instablogs on:
John Templeton's 22 Maxims For Investors And 6 Factors For Analysts
John Templeton was one of the greatest mutual fund managers of the 20th century. The Templeton Growth Fund was established in 1954. From then until Mr. Templeton sold the fund in 1992, a $10,000 investment with dividends and capital gains reinvested would have grown to $2 million.
Much of what Mr. Templeton shared through his writings and interviews found its way into my own approach to portfolio management. He paid very little attention to the markets, concentrating instead on buying companies throughout the world that were bargains. If bargains were not available, he would hold as much as 50% of his portfolio in cash, knowing that opportunities to invest would become available in the near future. He held on to companies for an average of four years. If his analysis was right, he would earn a "double play" profit from both increased earnings and a higher multiple of those earnings.
Mr. Templeton died in July 2008 at the age of 95. His wisdom and guidance deserves to be remembered. In 1983, William Proctor published The Templeton Touch and provided us with Mr. Templeton's maxims for individual investors.
John Templeton's 22 Maxims for Investors
- For all long-term investors, there is only one objective - "maximum total real return after taxes."
- Achieving a good record takes much study and work, and is a lot harder than most people think.
- It is impossible to produce a superior performance unless you do something different from the majority.
- The time of maximum pessimism is the best time to buy, and the time of maximum optimism is the best time to sell.
- To put "Maxim 4" in somewhat different terms, in the stock market the only way to get a bargain is to buy what most investors are selling.
- To buy when others are despondently selling and to sell when others are greedily buying requires the greatest fortitude, even while offering the greatest reward.
- Bear markets have always been temporary. Share prices turn upward from one to twelve months before the bottom of the business cycle.
- If a particular industry or type of security becomes popular with investors, that popularity will always prove temporary and, when lost, won't return for many years.
- In the long run, the stock market indexes fluctuate around the long-term upward trend of earnings per share.
- In free-enterprise nations, the earnings on stock market indexes fluctuate around the replacement book value of the shares of the index.
- If you buy the same securities as other people, you will have the same results of other people.
- The time to buy a stock is when the short-term owners have finished their selling, and the time to sell a stock is often when the short-term owners have finished their buying.
- Share prices fluctuate much more widely than values. Therefore, index funds will never produce the best total return performance.
- Too many investors focus on "outlook" and "trend." Therefore, more profit is made by focusing on value.
- If you search worldwide, you will find more bargains and better bargains than by studying only one nation. Also, you gain the safety of diversification.
- The fluctuation of share prices is roughly proportional to the square root of the price.
- The time to sell an asset is when you have found a much better bargain to replace it.
- When any method for selecting stocks becomes popular, then switch to unpopular methods. As has been suggested in "Maxim 3," too many investors can spoil any share-selection method or any market-timing formula.
- Never adopt permanently any type of asset or any selection method. Try to stay flexible, open minded and skeptical. Long-term top results are achieved only by changing from popular to unpopular the types of securities you favor and your methods of selection.
- The skill factor in selection is largest for the common-stock part of your investments.
- The best performance is produced by a person, not a committee.
- If you begin with prayer, you can think more clearly and make fewer stupid mistakes.
John Train, in his excellent book The Money Masters, shared Mr. Templeton's advice on stock selection.
John Templeton's Six Factors for Security Analysts
- The price-earnings ratio.
- Operating profit margins.
- Liquidating value.
- Consistency and growth rate of earnings.
- Flexibility.
- Don't trust rules and formulas.
I want to draw your attention to these because I believe they have important implications for investors today. Although we can learn from each one, I particularly want to discuss the sixth factor, "Don't trust rules and formulas." Mr. Templeton employed these maxims and factors before the average person had access to a computer. Today, however, due to the low cost of computing power, formulaic investing has become a norm that is broadly promoted by brokers, investment advisors, and of course those on-line companies who assure you that a computer can manage your money better than any individual. In The Money Masters, Mr. Templeton shares a story that his former partner, from his original investment firm Templeton, Dobbrow & Vance, presented in lectures about investing. In the story, Vance warns the audience about relying upon formulas to select securities.
Templeton's sometimes partner Vance, then an elderly man, used to enjoy lecturing about investments. Part of his kit was a huge chart plotted on a roll of wrapping paper. It was so big that during his lectures he would have to get a volunteer from the audience to help him unroll it and put it on the wall. This chart plotted the market for the previous twenty years. Then there were different squiggly lines representing the various factors that influence it - industrial production, money supply and so on. One squiggly line was best of all. It worked perfectly. Year after year if you had followed it you could have known where the market was headed and made a killing. When the audience, fascinated, demanded to know what it represented, Mr. Vance told them. It was the rate his hens were laying, in the chicken coop in back of his house.
Virtually every formula I have ever seen is based on some historical relationship between one or a multitude of factors that proves, without a doubt, if you had just made your investments according to that formula, you would be rich today. Of course, in order for you to get rich based on these past relationships, the future would have to unfold identically to the past.
It is rare for an investment advisor to work directly with an individual to build and maintain a portfolio of individual securities based on fundamental analysis. As rare as it is, we assure you that we will continue to offer this personal service to each of you for as long as we can.
Until next time,
Kendall J. Anderson, CFA
Anderson Griggs & Company, Inc., doing business as Anderson Griggs Investments, is a registered investment adviser. Anderson Griggs only conducts business in states and locations where it is properly registered or meets state requirement for advisors. This commentary is for informational purposes only and is not an offer of investment advice. We will only render advice after we deliver our Form ADV Part 2 to a client in an authorized jurisdiction and receive a properly executed Investment Supervisory Services Agreement. Any reference to performance is historical in nature and no assumption about future performance should be made based on the past performance of any Anderson Griggs' Investment Objectives, individual account, individual security or index. Upon request, Anderson Griggs Investments will provide to you a list of all trade recommendations made by us for the immediately preceding 12 months. The authors of publications are expressing general opinions and commentary. They are not attempting to provide legal, accounting, or specific advice to any individual concerning their personal situation. Anderson Griggs Investments' office is located at 113 E. Main St., Suite 310, Rock Hill, SC 29730. The local phone number is 803-324-5044 and nationally can be reached via its toll-free number 800-254-0874.
The Prudent Investor's Approach To Retirement Income
Each day, ten thousand people reach the age where retirement is a possibility. For some the choice is optional, but for others it is mandatory. A lively debate is taking place among academics and professionals in the investment industry regarding what the proper approach is for meeting financial needs in retirement.
We know that the majority of the average retiree's wealth consists of the value of their home and the balance of their 401(k) s and IRAs. Armed with this knowledge, much of the debate centers on the proper use of these assets to provide income. Should we suggest the sale of a house and downsizing? Should we suggest the use of a reverse mortgage? Should we offer annuities that guarantee lifetime income? Should we use an accepted model that mathematically determines the amount of distributions a retiree can safely draw on their portfolio? Should we suggest an age based approach, where the amount of money invested in bonds relative to stocks is based on age? Should we spend all our interest and dividends without touching principal?
Outside of the academic debate, practitioners often recommend the approach that best meets the requirements of their agency. In simple terms, if they are primarily a mortgage banker, then a reverse mortgage makes the most sense. A realtor will surely want you to downsize. According to an insurance agent, annuities are the best. A financial planner with a bank of computers will verify that a fixed distribution rate based on probabilities is the appropriate approach. Admirers of Jack Bogel and Vanguard will follow Bogel's lead and age-weight money between stocks and bonds. Many individuals still hold on to the age old idea of separation of principal and interest.
Not to be left out, investment counselors like ourselves are subject to this same problem. Each counseling firm believes they have an investment philosophy that is far superior to all others, whether they actually do or do not.
The benefit to those who are near retirement or currently in retirement is that the debate itself will generate new ideas, new products, and new approaches towards solving the needs of retirees, and there will probably be reduced cost due to a highly competitive marketplace. But until these benefits are fully realized, individuals will have to make decisions today given today's choices.
I have worked with retirees for over three decades, and I know that there is no universal solution to this problem. The solution is different for each individual. The only guarantee I can give our clients is that their financial needs will change with time, and that they will eventually breathe their last breath. Any investment approach that does not consider both of these facts, death and change, will not suffice. As the goals of retirees usually consist of both creating income now and of not running out of money before death, we don't need to look very hard to find guidance for this. These goals are similar to the goals of the vast majority of trust accounts with a life income beneficiary and a remainder beneficiary. Granted, some retirees are only concerned with their current needs and have no intent or need to pass on assets to another person or party. However, my experience has been that the vast majority of people do have a desire to spend some of their money and upon death, pass an estate on to a surviving spouse, children, relatives, or a charity.
Trusts have been used by individuals for centuries to preserve and grow wealth in order to provide a livable income to current family members without destroying the capital that produces the income. This is the same goal of many of today's retirees. Because the goals are so similar, it seems logical to manage the financial assets of retirees in the same manner that trustees manage the financial assets of a trust. The duties of trustees have been set by law, tested in court proceedings, and modified by the courts over time as needed in order to meet the ongoing needs of both income beneficiaries and remainder beneficiaries. Because the trustee of every trust has a fiduciary duty to the beneficiaries of the trust, and can be held personally liable for mismanagement of trust assets, a prudent approach is mandatory and enforced by the law. This approach, then, is a great guide for managing the assets of retirees.
Current trustees in the state of South Carolina are bound by the South Carolina Uniform Prudent Investor Act when exercising their discretion over the investment of trust assets. South Carolina's Act is based on the Uniform Prudent Investor Act which is followed in part or in its entirety by the majority of states. The many reforms now included as part of this law were driven by the great inflation experienced in the 1960s and 70s, academic research providing a new understanding of the investment process, the globalization of markets, and the availability of new investment options.
Because inflation has been absent from much of the conversation concerning retirement income, I thought I would share with you some commentary by F Philip Manns, Jr., a professor of Law at the Liberty University School of Law, on a court decision that led to The New Zealand Trustee Amendment Act of 1988. This Act led the common law world of trustee management investment standards away from the English law "legal list" approach to a "prudent person" standard favored in the United States. The prudent person standard revolves around the idea that trustees should invest in a portfolio designed to maximize income, minimize risk, and maintain impartiality between income and remainder beneficiaries.
In its most narrow sense, Mulligan holds that the trustees failed their duty of impartiality by favouring the life income beneficiary over the remainder beneficiaries. The co-trustees, PGG Trust Limited (PGG) and Mrs. Mulligan, life income beneficiary and widow of the deceased settler, invested solely in fixed income securities, thereby preserving the nominal value of the trust property and not its real value. In 1965 when financial investment by the trust began, the trust property was $108,000; in 1990, when Mrs. Mulligan died, the trust property was $102,000. While the numbers of dollars of trust property (nominal amount) essentially was maintained throughout administration of the trust, inflation in New Zealand between 1965 and 1990 had been substantial. The inflation equivalent value of $108,000 in 1965 was $1,368,000 at the time of trial in Mulligan (In New Zealand dollars. The equivalent adjustment of $108,000 US dollars would be have been $540,000 over the same period of time. - My addition). Quite obviously, deciding whether the trustees were required to maintain either nominal value or "real value" would have dramatic consequences.
By favoring the income beneficiary over the remainder beneficiaries, both parties were harmed. The remainder beneficiaries received the principal that would purchase less than 1/10th of what could have been purchased when the trust was funded. In addition, the income beneficiary earned a cash flow that lost its purchasing power over time in the same proportion.
Currently, the memories of the most recent recession and the losses incurred to both real estate values and common stock values are affecting retiree decisions. They are choosing to invest their retirement nest egg into some form of income generating asset with a perceived guarantee of principal, without considering the possibility of changes over the next few decades. However, I can assure you that change will take place in all financial markets, and anyone who does not prepare for change will come to regret their actions.
The Uniform Prudent Investor Act recognizes that the future will change. You can read the entirety of the Act at your leisure, but for now I want to highlight a few points from the South Carolina Code:
Section (NYSE:C) (1) A trustee shall invest and manage trust assets as a prudent investor would by considering the purposes, terms, distribution requirements, and other circumstances of the trust. In satisfying this standard, the trustee shall exercise reasonable care, skill, and caution.
Section (C) (2) A trustee's investment and management decisions respecting individual assets must be evaluated not in isolation but in the context of the trust portfolio as a whole and as a part of an overall investment strategy having risk and return objectives reasonably suited to the trust.
Section (C) (3) Among other circumstances provided in item (1) of this subsection which a trustee shall consider in investing and managing trust assets are such of the following as are relevant to the trust or its beneficiaries:
(a) general economic conditions;
(b) the possible effect of inflation or deflation;
(c) the expected tax consequences of investment decisions or strategies;
(d) the role that each investment or course of action plays within the overall trust portfolio, including financial assets, interest in closely held enterprises, tangible and intangible personal property, and real property;
(e) the expected total return from income and the appreciation of capital;
(f) other resources of the beneficiaries;
(g) needs of liquidity, regularity of income, and preservation or appreciation of capital; and
(h) an asset's special relationship or special value to the purposes of the trust or to one or more of the beneficiaries.
Section (C) (4) trustee shall make a reasonable effort to verify facts relevant to the investment and management of trust assets.
Section (NYSE:D) A trustee shall diversify the investments of the trust unless the trustee reasonably determines that, because of special circumstances, the purposes of the trust are better served without diversifying.
Section (NYSE:G) Compliance with the prudent investor rule is determined in light of the facts and circumstances existing at the time of a trustee's decision or action and not by hindsight.
Academics and investment practitioners will continue to search for one simple solution to meet the needs of current and future retirees. I don't believe this is possible unless a miracle happens and we are suddenly given the ability to tell the future with 100% accuracy. Until this gift of foresight is given to us, we all would be served better by concentrating on what we can control in the management of our financial assets, including our retirement funds. The list set forth in the Uniform Prudent Investors Act is a great guide in helping us accomplish this.
Until next time,
Kendall J. Anderson, CFATags: retirement, 401k, IRA
Views Of The Insane On Diversification
"Building and staying with a broadly diversified portfolio is the only sane approach for long-term investors."
I recently read this quote from Craig L. Israelsen, a Financial Planning contributing writer in Springville, Utah. Granted, I have never met, nor have I had any conversations with Mr. Israelsen, but he seems to be a competent professional. According to his bio, he is an executive in residence in the personal financial planning program in the Woodbury School of Business at Utah Valley University. However, his statement still bothers me a bit, as he is saying that any other investment approach must be insane.
We all know the common sense version of diversification: "Don't put all your eggs in one basket." This is a basic tenant of portfolio management. Yet the question of how many baskets we really need still remains. I will share my own views with you shortly, but first let's take a look at what a few others from the insane asylum have said about diversification over the years.
Gerald Loeb
Gerald Loeb rose to fame in the 1930's from his work with E.F. Hutton and from his book, The Battle for Investment Survival, first printed in 1935. Loeb was a media darling following the great crash of 1929 and shared his thoughts in short and simple phrases. When it came to diversification he said "The greatest safety lies in putting all your eggs in one basket and watching the basket." He also laid down his thoughts on asset allocation:
I think most accounts have entirely too much diversification of the wrong sort and not enough of the right. I can see no point at all to a distribution of so much percent in oils, so much in motors, so much in rails, etc., nor do I see the point of dividing a fund from a quality angle of so much in "governments," and so on down the list to that so called very awful, speculative, non-dividend-paying common stock.
Benjamin Graham
In the year before Gerald Loeb's book was published, Benjamin Graham and David Dodd published Security Analysis. This book became the bible for the new field of security analysis, but it wasn't until Graham's book The Intelligent Investor was published in 1949 that individuals were exposed to the concept of value investing. Graham, unlike Gerald Loeb, saw the benefits of asset allocation for the conservative investor. He said, "The other side of the coin shows the advent of common stocks as an integral and important part of a sound investment program. The proportion of the total funds to be placed in common stocks will now range ordinarily from say, 20 percent to as high as 50 percent."
In the last edition of The Intelligent Investor, he added this statement concerning the number of companies held in a defensive portfolio of common stocks: "There should be adequate though not excessive diversification. This might mean a minimum of ten different issues and a maximum of about thirty."
Richard H. Jenrette
In 1964, Dick Jenrette, a leader in the creation of standards for institutional investors and founder of Donaldson Lufkin Jenrette, the first publicly traded investment firm in the country, shared his views with the New York Society of Security Analysis in Portfolio Management: Seven Ways to Improve Performance. This is what he said regarding portfolio diversification:
Over-diversification is probably the greatest enemy of portfolio performance. Most of the portfolios we look at have too many names. As a result, the impact of a good idea is negligible. Moreover, the greater the number of companies in the portfolio the more difficult it is for the fund manager to stay on top of developments affecting these companies. In our opinion, 25-30 companies is enough diversification even for a fund of $100 million. For a $1 million portfolio seeking to outperform the market, we believe the number of holdings might be as low as 10-15. We have yet to find an institutional investor who had more than 10-15 investment ideas that he really liked at a given time.
Warren Buffett
As we skip forward a couple of decades, a famous investor most of us know, Warren Buffett, had this to say about diversification: "Diversification is a protection against ignorance. It makes very little sense for those who know what they're doing." He has also said "I can't be involved in 50 or 75 things. That's a Noah's Ark way of investing - you end up with a zoo that way. I like to put meaningful amounts of money in a few things."
As to the benefits of risk reduction due to diversification, he shared this in his 1993 letter to shareholders:
We believe that a policy of portfolio concentration may well decrease risk if it raises, as it should, both the intensity with which an investor thinks about a business and the comfort-level he must feel with its economic characteristics before buying into it. In stating this opinion, we define risk, using dictionary terms, as "the possibility of loss or injury."
Jim Cramer
Jim Cramer, the wildly popular host on CNBC's Mad Money, is no lightweight in the world of influencing investors. He is a magna cum laude graduate of Harvard College and the author of several very successful books on investing. He claims that as a hedge fund manager he produced an average annual return of 24% for the 14 years he managed the fund.
A portion of Mad Money shows are often set aside for individuals to call and share with Cramer their own portfolios, asking the question "Am I diversified?" It seems that Cramer answers yes if the individual owns five different companies from three to four industry groups. Cramer also freely publishes his holdings in his charitable trust. The trust as of this writing holds 28 companies. It looks as if Cramer, according to his comments on his show and his own charitable trust, agrees somewhat with both Benjamin Graham and Dick Jenrette.
Harry Markowitz
I have hand-picked these comments on diversification from active and very successful investors, and we should add some thoughts from Nobel Prize winner Harry Markowitz. In 1952, young Markowitz authored a short academic paper titled Portfolio Selection. This paper could be considered "the shot heard round the world" for the portfolio management industry. His thoughts led to modern portfolio theory and firmly entrenched the use of technology into the practice of investment management. This paper and the ongoing research it created was the driving force behind the idea that "Building and staying with a broadly diversified portfolio is the only sane approach for long-term investors."
His paper starts with a description of the process that the majority of investors, both professional and non-professional, apply when building an investment portfolio:
The process of selecting a portfolio may be divided into two stages. The first stage starts with observations and experience and ends with beliefs about the future performances of available securities. The second stage starts with the relevant beliefs about future performance and ends with the choice of portfolio.
He goes on to explain the purpose of his paper:
This paper is concerned with the second stage. We first consider the rule that the investor does (or should) maximize discounted expected, or anticipated, returns. This rule is rejected both as a hypothesis to explain, and as a maxim to guide investment behavior. We next consider the rule that the investor does (or should) consider expected return a desirable thing and variance of return an undesirable thing. This rule has many sound points, both as a maxim for, and hypothesis about, investment behavior. We illustrate geometrically relations between beliefs and choice of portfolio according to the "expected returns-variance of returns" rule.
This basic concept is valid for most of us. Each of us would like to have the greatest rate of return we can, with little risk of loss. Yet most of us know that very little gain is likely without accepting the potential for a loss. How much risk each one of us is willing to take is relative to our own individual situation. Markowitz appreciates this, but the ability to measure everyone's risk acceptance is near to impossible, so he substitutes historical volatility as a measure of risk.
The ups and downs of the overall market value surely drive many people to join the age old "buy high sell low club." Diversification does not, nor will it ever, protect one against the volatility of market prices. However, a portfolio of two different investments, both of which have market volatility that differ from one another, would reduce the overall ups and down of the total value of the portfolio, as long as one went up in value and the other went down in value at the same time. In other words, diversification by itself will not protect you against market risk, unless it is the right kind of diversification.
Markowitz addresses this:
Not only does the E-V hypothesis (Expected Returns-Variance of Returns rule -added by me) imply diversification, it implies the "right kind" of diversification for the "right reason." The adequacy of diversification is not thought by investors to depend solely on the number of different securities held. A portfolio with sixty different railway securities, for example, would not be as well diversified as the same size portfolio with some railroad, some public utility, mining, various sorts of manufacturing, etc. The reason is that it is generally more likely for firms within the same industry to do poorly at the same time than for firms in dissimilar industries.
Our Thoughts
I believe that almost every investment manager thinks there is some benefit of diversification. Most portfolio managers, if given a choice, would apply the ideas of Dr. Markowitz to their trade. Some will place more emphasis on their ability to determine "future performance," while others will pay little attention to future performance and instead hope to receive the "free lunch through diversification" as promised by modern portfolio theory. Our beliefs are at the intersection of these, where we rely on our ability to calculate an expected rate of return and attempt to apply the "right" type of diversification in order to meet individual needs. In essence, we want to own the fewest number of companies we can to obtain the excess returns available from superior analysis, yet spread between all major economic sectors of the world economy.
As far as the number of companies, we believe that 30 to 40 are the most needed to minimize the impact of a large loss on a single company on the overall portfolio, yet also few enough where a large gain on a single company would materially increase the overall portfolio return. There is a little common sense to this: If you have 40 companies, with each representing 2½ percent of your portfolio, the portfolio can only lose that 2½ percent if a single business fails. At the same time, a single company could, if all things were perfect, produce unlimited profits.
To add a little historical certainty to this, all we need to do is compare the annual volatility of the Dow Jones and its 30 individual companies with the annual volatility of the Standard and Poors (S&P) and its 500 companies. The annual average volatility is almost identical over a long period of time. Even in short time periods, the average volatility is close. If we look at the last five years, the standard deviation (a measure of volatility) of the S&P 500 was 13.96 while the Dow Jones Industrial Average was 12.94, so little of a difference that it would probably not be noticed by the vast majority of investors. The Dow is price weighted, and the S& P 500 is cap weighted, so you could make the claim that I am comparing apples to oranges. However, if I took the view that diversification alone should reduce volatility, then the S&P should be far less volatile than the Dow - but it's not!
Standard & Poors also does each of us a favor by identifying and affiliating the majority of publically traded companies into ten major economic sectors. By owning a representative position in each of the ten sectors, you can obtain the "right" kind of diversification as mentioned by Harry Markowitz in Portfolio Selection.
We started this letter with Craig Israelsen's comments on portfolio construction. According to him, the "only sane approach" for long-term investors is to build and keep a broadly diversified portfolio. He suggested equal weighting of seven asset classes; large and small U.S. stocks, non-U.S. stocks, commodities, real estate, U.S. bonds and cash. This may work out fine, but are you willing to take the chance that future returns will be the same as they have been in the past?
I have seen countless portfolios constructed that emphasize asset class diversification only, without any determination of expected returns. This may reduce volatility, as many claim, but all of us invest to make a positive rate of return. Because of that, I believe that the first step to any successful investment program should be to calculate an expected return, even though it will not always be right. We diversify for this reason only. Our goal is to maximize after tax profits for an acceptable level of risk. To reach our goal we need to have some estimate of both our expected returns and the risk we take. If that is insane, so be it.
Until next time,
Kendall J. Anderson, CFA
Anderson Griggs & Company, Inc., doing business as Anderson Griggs Investments, is a registered investment adviser. Anderson Griggs only conducts business in states and locations where it is properly registered or meets state requirement for advisors. This commentary is for informational purposes only and is not an offer of investment advice. We will only render advice after we deliver our Form ADV Part 2 to a client in an authorized jurisdiction and receive a properly executed Investment Supervisory Services Agreement. Any reference to performance is historical in nature and no assumption about future performance should be made based on the past performance of any Anderson Griggs' Investment Objectives, individual account, individual security or index. Upon request, Anderson Griggs Investments will provide to you a list of all trade recommendations made by us for the immediately preceding 12 months. The authors of publications are expressing general opinions and commentary. They are not attempting to provide legal, accounting, or specific advice to any individual concerning their personal situation. Anderson Griggs Investments' office is located at 113 E. Main St., Suite 310, Rock Hill, SC 29730. The local phone number is 803-324-5044 and nationally can be reached via its toll-free number 800-254-0874.May 02 10:04 AM | Link | 2 Comments
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Nekita K.
A Babysitter in Mililani
Hi, my name is Nekita and I am a loving mother of two handsome boys. My youngest is 3 and my oldest just turned 6. A little about me: I graduated from Kalani High School with honors and immediately went to UH Manoa studying business and eventually exploring and... more >
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Rashanda J. – Babysitter in Mililani, HI I am a native of North Carolina. I moved to Mililani in late June of 2014. My husband is in the military and we will be station in Hawaii for about four years. I have experience working with children in various settings to included daycare, school tutoring programs,...
Mililani Nannies
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Printable Area
By AZPARZYCH on March 04, 2010
Photo by Crafty Lady 13
Photo by Crafty Lady 13
"Saw on another site; it sounds good and easy with just 3 ingredients!"
Serving Size: 1 (272 g)
Servings Per Recipe: 8
"Delicious! What's not to love about a recipe with only 3 ingredients that goes together so quickly and easily with minimal preparation? The root beer imparts a slightly sweet flavor to the pork and keeps it moist during cooking. My pork was fork tender after 5 1/2 hours on "low". After draining off the root beer, I stirred in a 19 oz. bottle of "Jack Daniels Honey Smokehouse" barbecue sauce and turned my slow cooker on "warm" until we were ready to eat. I served the pulled pork on whole wheat hamburger buns with a slice of American cheese...yummy! Thank you for sharing this wonderful, quick and easy recipe...it is definitely a keeper!
**Made for 2012 Football Pool**"
"This is the recipe I always use."
"Made this for Christmas gaming night - yummy! Good on sandwiches, loaded nachos, sliders for the kids and other stuff too!
Easy to make, easy to transport, easy to make in bulk - great for the holidays or any pot-luck!"
"This is a super easy recipe, the pork came out very tender. We used sweet baby rays bbq sauce and it was delicious!"
"Very easy. I tried it with chicken and it turned out good."
"This was our first attempt ever at pulled pork and it was wonderful. We used Diet A &W root beer and sweet baby rays BBQ sauce. We served it with some baked sweet potato fries and a bottle of spanish red wine. It was a great and simple dinner with little mess and little fuss."
"I love a good pulled pork sandwich and this one was wonderfully moist, tender and delicious. It's hard to believe that it only has three ingredients. I used a diet Dr. Pepper instead of the root beer because that was what I had on hand. I also used Sweet Baby Ray's BBQ sauce. Yummy! I will be using this recipe often. Made for October 2010 Aus/NZ Swap."
"Yummy and easy to boot! This is perfect for a busy day outside or away from the house. I let mine cook for 7 hrs and it even could have cooked longer with no bad effects. I used a brown sugar bbq sauce and I cut the recipe in half. Thanks for posting. :)"
"It's so easy to do. I made half the recipe cause I didn't have a full 2 lb of pork. I thought it would taste more root beer flavor. I used a low-cal barbecue sauce flavored with brown sugar. We ate them with smoked mozzarella and for me spicy mustard. My son didn't like it so I had to add ketchup to his meat. Thanks AZPARZYCH :) Made for 123 hit wonders"
"Yum Yum!! I was kinda wondering how the root beer was going to taste with it, and it was great. so very easy and my hubby loved it!!"
"Yum! I made this as directed other than halve the recipe. This was so simple, tender, and made the house smell wonderful. I used a hickory flavored barbecue sauce and served it on hoagie rolls. Thanks AZPARZYCH for a nice dinner. Made for 123 Tag."
"I just made this tonight for my husband & I. It was AWESOME! I don't like root beer, so I admit I was hesitant. But I left the house for the last 3 hours of cooking and when I returned, boy did it smell sooo good! And it tasted just as good! We used Jack Daniels Original barbecue sauce but we didn't use the entire jar. We maybe only mixed it with half, and set aside the remainder for my husband who likes the extra barbecue. And better yet, we have enough left over for tomorrow night's dinner!"


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IT Support Company Bucks Trend by Opening Staffordshire Office
The PC Support Group has defied the economic slowdown and opened a new branch in Staffordshire.
In its first quarter, the company announced an increase in turnover of 39 per cent on 2009. The firm, which has branches throughout the UK, experienced 60 per cent growth in the last 12 months.
The PC Support Group secured 33 new business customers in the first quarter this year compared to 22 in the same period last year.
The award winning company has now opened a Staffordshire-based office, run by computer professional Mark Broadbent. The Office will provide IT Support in Stafford, Stoke and throughout the whole of Staffordshire and south Cheshire.
Mark 50, from Stafford, has worked in the IT industry for 15 years and joins The PC Support Group from the North Staffordshire NHS Trust where he was an IT manager.
He says: "Unfortunately IT support has gained quite a bad reputation over the years for poor customer service so I'm delighted to be able to offer this award winning support to businesses throughout this area. The PC Support Group has created an effective set of processes that make it easy for us to deliver a high quality IT service without the usually associated high costs."
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Home » News » Veterans
Exeter mom: New war movie honors her SEAL son's memory
Mark Wahlberg, foreground, stars in the new film "Lone Survivor," based on the Navy SEAL operation in 2005 that claimed the life of Exeter native Dan Healy in Afghanistan. (UNIVERSAL PICTURES)
That's because her son, Navy SEAL Dan Healy, was one of the 11 SEALs and eight Army Special Operations aviators killed in the failed rescue mission in Afghanistan in 2005 that has become the subject of the Universal Pictures' film starring Mark Wahlberg.
The book was co-authored by Navy SEAL Marcus Luttrell, who was the only one to survive the mission.
During their mission, Luttrell and the three other SEALs were ambushed by enemy forces.
Personal preview
Natalie Healy had a chance to preview the movie for the second time last month with Wahlberg and his family in Hingham, Mass.
"I have never seen (Luttrell) look and sound so well," Healy said. "It was like the weight of the world had been lifted off his shoulders. For years I was worried about him."
"Those are my men and I want my face to be the first one they see," he told the team.
While there were some tears while watching the movie, Healy said she and the other families who lost loved ones on that mission are "a pretty tough bunch" and have lived with the grief for the last eight years.
At the end of the movie, the names and photographs of those killed are shown on the screen as a tribute.
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2012 Volkswagen Passat - Week 2
In only its second week with us, Dejan Jovanovic tests our new Volkswagen Passat with some challenging cargo
- Image Credit: Stefan Linedque/ANM
- Nearly two metres in length, and four boxes in total, all slotted into the Passat with room to spare.
I went to a gigantic home furniture store to buy a bunch of stuff I don't really need, and started scheming on the way to the till. I'll be damned if I'm giving them another couple of hundred bucks to deliver the stuff to my house a week later, but I knew I had no choice.
Long-term review: 2012 Volkswagen Pasat - Week 2
Four massive boxes each near two metres in length, which means they'd have trouble fitting in your standard-issue pick-up bed... So I had no business at all doing an about-turn and heading for the parking lot instead of the home-delivery desk.
It was worth a try, to stuff the lot into the back of our new Passat, I thought, even if the inevitable conclusion was surrendering and giving up the delivery cash.
So I wheeled the laden cart into the car park, and slotted it neatly behind the Volkswagen Passat. You don't just go jamming unfamiliar objects into unknown spaces without some safety precautions. That's why I consulted the car's brochure, which has been sloshing around the back seat ever since we picked up the Passat from VW Middle East. It said the luggage compartment volume is 529 litres, which meant absolutely nothing to me because I wasn't trying to transport 529 bottles of Aquafina. At this point I had an argument with my wife, who still refuses to trade in 'her' 2009 Suzuki Jimny for an Eighties' Toyota Cressida station wagon with a 2JZ. Women…
Anyway, as she tapped her foot while the man sorted out manly stuff like dropping the rear seats in the Passat, I fumbled around the back finding no latch to pull. Turns out the Passat has thoughtful handles in the boot that you tug to free up the 60/40 split rear bench.
This is great, but it still leaves you having to literally climb into the cavernous boot and give them a final push down, the alternative being walking all the way back to the rear door to drop the seats.
I didn't bother to electrically adjust the front seats at all — both of them being tilted all the way back for my preferred driving position when it comes to anything without a clutch pedal or at least 400bhp — thinking it's no use anyway and there's no way these boxes will fit and I'll have to wave the white flag at the guy behind the home-delivery desk.
But they did fit, with room to spare. I couldn't believe it. There's something so virtuously pleasing about loading a car up with cargo.
- Driven by Dejan
- Start mileage 920km
- Recent cost Fuel Average fuel economy 8.5 litres-per-100km
- Highs Massive interior and cargo room
- Lows Good thinking with rear 60/40 seats, but extra step needed to drop the seats down
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text:
I Adore Summer
Personal Stories, Advice, and Support 347 People
Summer Is Already Here....Yes and I love it,new clothes,hot days and a whole beach for me! Too bad I can't took EP there....
PhedoRuka 16-17, F 0 May 31, 2009
Summer Vacation Is Coming Up!I have 1 week and three days until I am out of school for summer vacation and I cannot wait. After this summer, I'll only have two years of HS left and then I'm off to college but anyways I can't wait to go the beach and just chill with friends. I want to go to parties and have...
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Illiteratetroll 46-50 1 Response 1 Apr 2, 2012
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On a hot summer's day, I love taking a moment to close my eyes and raise my face up to the sky, letting the Sun warm my skin. It feels even better if everything is peaceful, and...
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Roll on summer 2015 nothing like a lady in a bikini
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I love and adore my natural breasts. I have never had any silicone added to my body. I am 44FF on top and love walking in the malls shopping and having my natural breasts swaying...
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I absolutely adore sweet women. They can wrap me around their finger. That's for sure :)
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I didn't become submissive over night, nor did I read a book and decide to "try" to become submissive...... I have always been submissive. Finding a Dom that knows how to...
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I adore CopperBlaze. I am blessed with just a very few wonderful friends, and I am delighted to count her among the very best of them. Since I first got to know this beautiful...
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This pic is from last summer. We just had our first snow of the year and now it's going to be about 4 long months of freezing inhumane temperatures, loads of snow and darkness. Don...
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Summertime appears and many of the nation adopts vacation mode, scrambling to produce travel plans for the entire family. But as well as taken a particular getaway for your...
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Summer in Norway can seem intense and short. Summer in England can exist only in the rain. I wish the sun shone longer and we can bask in it's delight.
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Summer is by far my favorite season. I have such good memories of summer from childhood and continue this day to love the season. I associate it with warm weather, sunny days...
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Its only November and I miss the summer! I miss the warm sunlight on my skin & I am not looking forward to those winter chills that get right through to you're bones! Brrrrrrr
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I go to the beach around mid-summer when he days are long... I'll go before Noon, read a book, and stay until the sun sets...Listening to the waves
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Summer means no school, and no school means no people. Yeah it's nice.. :)
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A dog is the only thing I can think of that will love you more than they love themselves.
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Something of the surgical, the.. neatness; it intrigues me.
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it was a perfect day (one of the best birthdays ever) and to to top it all off , i get a nice cool , beautiful night with a beautiful view of the crescent moon
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text:
Submit News
Report: Anti-Streaming Lobbyists Paid Off Senators Handsomely
Jason Mick
June 18, 2011 3:50 PM
comment(s) - last by
Jul 4
Recipient E-mail
Sender E-mail
Lobbyists reportedly paid 10 percent of U.S. Senators campaign costs in order to push to an anti-streaming internet copyright bill that looks to imprison U.S. citizens.
(Source: Sodahead)
The U.S. imprisons more inmates than 35 European nations combined. It imprisons more of its citzens than any other nation in the world, at a massive expense to its free taxpayers.
(Source: The Utopianist)
President Barack Obama's administration is pushing the bill to imprison Americans who illegally stream sports, movies, and TV online.
(Source: AP Photo)
Sen. Amy Klobuchar (D-Minn.) is among the bill's three cosponsors.
(Source: Getty Images)
Sen. John Cornyn (R-Texas) is another sponsor.
(Source: AP Photo)
The bill's final sponsor is Sen. Chris Coons (D-Dela.).
(Source: AP Photo)
Approximately 10 percent of active Senators' total campaign costs were paid by bill's supporters
Yesterday we
on a pending measure in the United States Senate "
The Commercial Felony Streaming Act
" (S. 978). Approved by the
Senate Judiciary Committee
, the bill now moves to the Senate floor for approval.
If approved, the bill promises up to 5 years of hard prison time for anyone who "willfully" infringes content via streaming for the purpose of "personal financial gain". One of the sponsoring organizations, the
Motion Picture Association of America
(MPAA) claims the measure will only be used to charge operators of sites that stream content illegally -- such as sports shows, movies, or TV shows.
But the bill's ambiguous language could eventually be applied to send viewers to jail, as well. After all, the MPAA could easily argue in court that viewers were seeing "personal financial gain" by avoiding cable service fees, movie rental costs, etc.
But that's hardly the biggest story here.
I. Bought and Paid For
The U.S. currently has the world's highest incarceration rate [
; PDF]. Maintaining that dubious distinction is far from cheap -- it cost free U.S. citizens a projected $80B USD in 2010 to support the government imprisoning their peers [
]. So why would the government want to send
U.S. citizens to prison?
Well if
a report
by government watchdog group
is to be believed, perhaps the old adage "you get what you pay for" holds true here.
claims that the groups supporting the bill have paid a total of $86M USD to active senators within the last six years.
Let's consider exactly how significant that number is. The U.S. Senate has had 105 seats contested in the last three elections [
]. The average spent by a senate race winner was $8.5M USD in the 2008 elections [
], according to the government watchdog
Center for Responsive Politics
(maintainers of the site "Open Secrets").
So in total the winning Senators in the last three elections had to spend an estimated $892.5M USD to win their seats.
The $86M USD funneled by the anti-streaming lobbyists thus constitutes 9.7 percent of the total funds needed for U.S. Senators to obtain their jobs.
II. Payoffs Bear Real Weight on the Field of Tech Law
Such payoffs (or "bribes" as some people call them) don't always concern the world of technology and the internet. But in this case, the payouts directly affect internet users across America.
Suddenly, watching 10 illegal streams within half a year could send you to prison for 5 years. Again, the MPAA claims they won't press the point this far. But the Bill's ambiguous language is freely available for anyone to read.
Many fans of science and technology hate hearing about politics. They'd rather hear about new processors, search engines, hackers, and nanotubes than legislation, lawsuits, and presidential speeches.
But at the end of the day, the tech and science community of the world's largest technological superpower -- the U.S. -- is being deeply affected by the current state of American politics.
This can be seen in recent incidents such as the efforts to
ban community-approved municipal internet projects
, robbing citizens of their technology -- and their right to self governance. The politicians involved? They were reportedly paid off in campaign contributions by industry lobbyists, as well.
Likewise politicians in several states are considering making it
a jail-time misdemeanor offense to share your password
Netflix, Inc.'s (
) streaming video service. Sharing your Netflix password with family members, roommates, or friends could send you to jail for one year.
III. Who is to Blame?
Dozens of Senators accepted contributions from these lobbies. But it's important to identify the bill's biggest supporters.
Leading the way is U.S. President Barack Obama. Obama pledged
to look into copyright reform
, but those promises were conveniently shelved when he stepped up to the plate pushing his campaign donors real agenda --
copyright enforcement
. Together with fellow nations like France, Britain, and Germany, the Obama administration has worked to install a secret treaty called the Anti-Counterfeiting Trade Agreement (ACTA) whose draft contains many Orwellian provisions, including the
introduction of copyright infringement "thought crime"
, where simply searching for infringed content (thinking of infringing) can lead to charges.
And it was the President's advisors -- the
White House Office of U.S. Intellectual Property Enforcement -- who urged Congress two months ago to pass an anti-streaming bill. But some in the Senate were more than happy to comply; after all who would they be to deny the wishes of some of their biggest campaign donors?
The senators sponsoring the bill are Senators
Amy Klobuchar
John Cornyn
(R-Texas), and
Chris Coons
The support illustrates another aspect of the nature of the problem. On many of these issues affecting the tech community the issue is no longer partisan politics. Both Democrats and Republicans are gleefully accepting campaign donations from industry lobbies and pushing their sponsors' agendas in Washington D.C.
At the end of the day the question here is clear -- who does the President and these Senators answer to and pledge to protect -- the citizens of the nation? Or the entities that paid for them to get their prestigious positions of power?
As the nation that imprisons more of it citizens than any other country -- industrialized or not -- prepares to send yet more of its taxpayers to jail, consider the above.
remember me
This article is over a month old, voting and posting comments is disabled
RE: Only broadcasters
Even if the government does go after the all viewers, do you really think they are going to go after 100,000 plus viewers for, say a PPV fight.
During the Paqauaio-De La Hoya fight a few years ago, there were several Justin and Ustream channels with 100,000 plus viewers on each of them. One channel alone had 123,000 people on it, at peak viwership, that night.
Do you really think the government is going to waste its time going after as many as 1 million people watching the fight illegally, given all the channels with 100,000 plus viewers that were streaming the fight, there were very likely one million people at any one time watching illegal streams of the fight card.
The prisons are so overcrowded now, where would they put hundreds of thousands, or even millions more inmates? The government already has a deficit crisis with the national debt skyrocketing. The government would not have enough money to prosecute that many people watching a PPV fight.
If a given channel has thousands of viewers, the government is not going to go chasing them all down. Some Justin movie channels often exceed 1,000 viewers, which locks offshore viewers out (Justin requires foreign viewers to pay a fee if the total number of viewers on any one channel exceeds 1,000 viewers).
If they went after every viewer of these channels, the prosecutors would be prosecuting those cases, and nothing else.
That is why those who do not stream for commercial purposes, and just watch videos, do not have to worry, for now, unless they do something really stupid, like show a movie before its release date on video. The government is so effed up financially right now, that it does not have the resources to go after every one of the thousands of viewers that might be watching one stream.
That is why Klobuchar specifically worte her bill so that only those who stream for commercial gain are subject to prosecution. Otherwise the courts would get so clogged with piracy cases, they would not be able to handle anything else.
"It's okay. The scenarios aren't that clear. But it's good looking. [Steve Jobs] does good design, and [the iPad] is absolutely a good example of that." -- Bill Gates on the Apple iPad
Related Articles
U.S. Senate Proposes Prison Time for Illegally Streaming Movies, TV
June 17, 2011, 9:38 AM
Sharing Netflix Password May Soon be a Crime in Tennessee
June 2, 2011, 12:24 PM
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