text:
Paula Hogan, a Milwaukee-based advisor long visible through presentations at FPA and NAPFA meetings, has laid out a model for financial planning that she argues is both more effective and more distinctive than conventional approaches.
In an article published this week in the Journal of Financial Planning, Hogan (left) attempts to integrate well-settled ideas from economics with the realities of dealing with clients in the trenches of financial advisory practices.
"Economists tend to assume that clients come into a planner's office already knowing where their cash is being spent and able to specify concrete financial goals and the likely path of their earned income, and (icing on the cake) also to specify which expenses are lifetime needs and which are lifetime wants," Hogan writes. "In the trenches, it is clear that none of these assumptions are true."
But, Hogan argues, advisors are typically working on commonly based assumptions that economics disavows—for example, the idea that time diminishes the risk of owning stocks. Yes, average stock performance is positive over time, but shortfall risk increases with time, she asserts before asking: "If we offer a financial plan to a client that requires favorable stock performance to succeed, is it a plan or a hope?"
Rejecting these extremes, Hogan redefines financial planning based on a well-settled economic theory known as the Bodie Merton Samuelson theory of life-cycle saving and investing (LCSI), which seeks to optimize income and spending and match investment risk to goals.
The key effect of this paradigm shift is that "the person is the focus of attention, not the portfolio," Hogan writes. That is because human capital is more important than financial capital in LCSI. Hogan cites Moshe Milevsky's famous question, "are you a stock or a bond?" to remind advisors that the investment risk they take should correspond with the volatility of their earned income. She also states the "sobering" truth that "your personal gifts, and what you do with them, are the main levers for influencing your lifetime level of living."
Given the primacy of earned income, Hogan argues it would be appropriate for planners to make a client's pay a focus of the annual review to be tracked over time.
And because risks must be matched with goals, and goals cannot be discerned without "values clarification," Hogan advocates "life planning as central to the advisory mission," despite the discomfort many advisors have with therapeutic-sounding questions they view as outside their skill set. Hogan therefore calls it "imperative for advisers to develop listening and other life planning-type skills intentionally and with supervision, instead of naively on an ad hoc basis."
Apart from the primacy of human capital, another key insight Hogan draws from LCSI is that people care more about their standard of living than their portfolio wealth. This "core tenet shifts the focus of attention definitively toward risk management, and in particular toward managing the risks of longevity and inflation, and finding downside protection," Hogan writes.
That means that advisors need to focus on "smoothing" consumption through tools such as savings, debt and insurance. "A central challenge of managing finances for an individual is smoothing consumption—pushing cash flow around to the right time and circumstance, because awkwardly, income and expenses don't flow in the same rhythm," Hogan writes.
Other implications of subordinating portfolio wealth to income needs is the need for income flooring—to ensure a base standard of living—and redefining safe assets away from U.S. Treasury bills to "an immediate lifetime annuity that goes up with inflation but never down."
In the life of the financial planner, Hogan's proposal means that stable investments are no longer just for widows and orphans while executives get stocks. She approvingly cites the massive derivatives market and burgeoning structured products as increasing advisors' ability to slice and dice risk and trade it to the right party.
In discussions with her own clients, Hogan talks about "smoothing the client's ability to spend by moving wealth from good times to bad times in the safest way possible, and in a way that is consistent with the client's values and preferences." Her key planning levers are the client's earned income and spending, and an illustrative diagram she uses to stimulate discussions notably shows the client, and not a portfolio, at the center of planning efforts.


text:
Reiki - West End
North Somerset is a unitary authority area in England. Its area covers part of the ceremonial county of Somerset but it is administered independently of the non-metropolitan county. Its administrative headquarters is in the town hall in Weston-super-Mare. Wikipedia
Pete Nicholson Healer
Burnham-on-Sea, Somerset, TA8 1HZ
Greetings, My name is Pete, I am a Reiki master/Teacher and a Psychic counsellor. I have been practicing in Burnham on Sea for over [...]Distance: 7.28 miles.
Reiki, Integrated Healing & Kinesiology in Bristol & On-line
Bristol, Bristol, BS1 5EH
07989 37 6656
Welcome, I practice Reiki & Integrated Healing ~ one of the most advanced forms of kinesiology currently available, combining Reiki healing , Life Coaching, NLP [...]Distance: 18.43 miles.
Reiki teaching and Holistic Healing Therapies with Suzanne
Mark, Somerset, TA9 4RW
Always happy to discuss therapies, your needs, and when and where, so please do contact me. As a Master from the Usui lineage, I [...]Distance: 2.96 miles.
Terry Edser – Reiki Master and Teacher
Cheddar, Somerset, BS27 3AZ
07754 536741
covid safe environment 1:1 reiki £45 a session reiki shares available able to teach Reiki to Master levelDistance: 4.1 miles.
Sally Allnutt Therapies
Axbridge, Somerset, BS26 2AY
07771 900704
I offer Reiki (Master/Teacher) and CranioSacral Therapy which can be used separately or combined. The client remains fully clothed and lies on their back [...]Distance: 4.23 miles.
Pace for Living
Axbridge, Somerset, BS26 2AP
Pace For Living is able to offer different therapies whether it is to have a to have treatments as a way to gain balance [...]Distance: 4.31 miles.
Axbridge, Somerset, BS262TR
01934 750841
Kaz@holistichealth. Facebook page
I am an experienced Reiki Master Teacher. I also offer holistic therapies which include Reflexology, Indian head massage, holistic facial ,Reiki and chakra balancing with [...]Distance: 4.63 miles.
School of The Living Light
Ashcott, Somerset, TA7 9QP
01458 211047
Lita de Alberdi and Marco de Alberdi founded the School of the Living Light in 1993 to assist in bringing the new Light frequencies [...]Distance: 5.98 miles.
Oak Moon Healing
Highbridge, Somerset, TA9 4QX
07989 440345
Hello! My name is Vicky Whitehead and I offer Reiki treatments and courses from my beautiful cottage which is located just 25 minutes from [...]Distance: 6.05 miles.
Somerset Skies Therapies
Edington, Somerset, TA7 9Al
Mike Durant Dip Couns and Psych. , (MNCS (Acc); Dip Hyp, MHS With a therapy room at his home in Edington, between Bridgwater and [...]Distance: 6.32 miles.
Reiki Glastonbury
Glastonbury, Somerset, BA6 9DU
Reiki is a powerful healing energy that everyone can learn to work with, whatever your previous experience may be. The Reiki energy both deeply [...]Distance: 6.99 miles.
Equilibre Holistic Therapy
Banwell, Somerset, BS29 6EX
I am a Reiki Master/Teacher of the Usui traditional system. I have worked extensively with horses . I hold the British Horse Society [...]Distance: 7.55 miles.
Usui Reiki Animal Healing
Burnham-on-Sea, Somerset, TA8 1LR
07787 787843
Usui Reiki Animal Healing Workshops Level 1 and 2 Available in small groups. Classes to be arranged to suit students. In these wonderful workshops, you will learn the [...]Distance: 7.55 miles.
Celtic Reiki Healing and Wise Women Workshops
Glastonbury, Somerset, BA6 8BH
07935 834785
Learn the ancient traditions of the Goddess through symbols, images, guided meditation and ritual which help you connect with the different aspects of the [...]Distance: 7.62 miles.
Grounded Therapies: Reiki and Crystal Therapy Somerset, Weston – Super- Mare
Hutton, Cumbria, Bs24 9sl
At Grounded Therapies I offer reiki and crystal therapy treatments in a caring environment. I have experience in health care, having worked as a [...]Distance: 8.33 miles.
Animal Communication & Reiki Healing
Wells, Somerset, ba53js
07506452615 / 07413532865
We both have worked with many different people and we regularly go to Ireland to carry out healings there as we have a client [...]Distance: 8.89 miles.
JA Francis
Weston, Hertfordshire, BS232PS
Specailising in Integrated Energy/Holistic therapy I use over 13 years of training and experience in a range of therapies (E.F.T, Subconscious reprogramming, Reiki, Nutrition, [...]Distance: 8.99 miles.
Soulstice Therapies
Bridgwater, Somerset, TA5 2BQ
Relaxing and rejuvenating treatments including holistic & remedial massage, aromatherapy, reflexology and Reiki - specialising in pregnancy massage and developing treatments for conditions such [...]Distance: 9.37 miles.
West Pennard, Somerset, BA6 8NE
Specialising in animal reiki for comfort and healing, either poorly animals who need some comfort due to their health or well animals who maybe [...]Distance: 9.78 miles.
Healing Touch Holistic Therapies
Weston-Super-Mare, Somerset, BS22 6ha
I offer Reiki Seichem from my beautiful shop on Worle High Street, it is a warm and welcoming haven for you to take some [...]Distance: 10.42 miles.
Reiki Course – Level 1 Shoden in Bath
Nov 2020
The Yurt Under Westwood, Bath BANES
An intimate experience of opening to Reiki (universal life energy) and experiencing the energy flowing through you as you channel it for self healing and treatments to others. The course [...]
Reiki Level 2 – Practitioner Level
Feb 2021
Light Side Energy Healing Room, Weston-Super-Mare Somerset
This is the 2nd level of Usui Reiki and once completed and with relevant practise and insurance cover you can set up and be an official Reiki Practitioner and start [...]

subset: commoncrawl


text:
We here at Sports Poster Warehouse are ever so excited. Yes Spring Training has begun for Major League Baseball, but more importantly, we now have 4 limited edition MLB player pennants: Josh Hamilton, Geovany Soto, Evan Longoria and Tim Lincecum.
These brilliant pennants, from Wincraft Inc.'s limited-edition Signature Series (each pennant published in an extremely small print run of just 2,008), commemorate four of the top up and coming players in baseball with style and flair. With rare game-action photography, amazing graphics, a giant facsimilie signature from the players themselves and an attached card printed with the serial number /2,008 to give each pennant individualized collectability, this is both a beauty for your wall, and a valuable collector's item for years to come.
Part of WinCraft's premium pennant line, the clear and brilliant photography and graphics are printed on a revolutionary soft-and-durable "Roll-it-and-Go" felt that can be tucked tightly away if necessary, and look just as good when unfurled again, ensuring your pennant will continue to look great and last a lifetime.
For these and other great sports pennants and posters, visit http://www.sportsposterwarehouse.com


text:
Retroviruses have been around longer than humanity itself. In fact, the best-known family member, HIV, is a relative youngster, with its first known human infections occurring sometime in the mid-20th century.
"In our DNA, there's a fossil record of retroviruses that used to infect us," says Paul Bieniasz, associate professor and head of the Laboratory of Retrovirology at Rockefeller University and the Aaron Diamond AIDS Research Center. In fact, about eight percent of human DNA is made up of retroviral sequences. Bieniasz and Youngnam Lee, a graduate student in the Bieniasz lab, have excavated some of that DNA and — in an attempt to better understand how humans and retroviruses co-evolved — they have resurrected an ancient retrovirus, one that can create new viral particles and infect human cells. They describe their work in a paper published by PLoS Pathogens last month.
The extinct retroviruses embedded in our DNA can't reproduce because of mutations in one or more of their genes. The younger of these human endogenous retroviruses (or HERVs) have fewer changes, and judging by the paucity of genetic alterations, at least one subfamily — HERV-K — was likely still active less than a few hundred thousand years ago. Different members of this subfamily have slightly different mutations. "But as of a few months ago," Bieniasz says, "there was no replication-competent form of this virus."
To eliminate those mutations that kept HERV-K from replicating, the two researchers deduced a genetic sequence that was a consensus of 10 different HERV-K proviruses and synthesized the whole viral genome from scratch. Then, they took that sequence (which they dubbed HERV-KCON) and inserted it into cultured human cells to see if it would result in the creation of HERV-K structural proteins. Their consensus sequence resulted in not only functional proteins, but in a retrovirus that was capable of creating new viral particles and integrating itself into a host cell's genome. "This is the first time this has been done with a viral genome that was effectively dead, and now is alive — or at least has all the functions that suggest it should replicate," Bieniasz says.
The project began, Lee says, because certain human and non-human primate cells produce proteins that appear to block HIV from replicating. "And the question is where did the proteins come from?" she asks. "By studying these extremely old viruses, we can tap into what happened in our ancestors millions and millions of years ago."
Rockefeller University. March 2007.


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- Length: 43:00 minutes (9.84 MB)
- Format: MP3 Stereo 44kHz 32Kbps (CBR)
Recently, Monika had a meeting with Jared Polis, U.S. Representative for Colorado's 2nd congressional district [16]http://en.wikipedia.org/wiki/Jared_Polis [16] . She shared with him her efforts in Loveland, CO at the Be You house and [17]http://labconnections.blogspot.com [17] . Perhaps this could become a true experimental lab to the state. "Perhaps we might get funding per census, as we crowdsource communities of practice." Monika explains more, and gives a deeper history of the work she has been doing over the past four years. Paul has recently updated a guide he uses to organize a passion-based curriculum with students using [18]http://youthvoices.net [18] and he would love thoughts about this document as well: [19]https://docs.google.com/document/pub?id=1eqLUXP6TXxrtor-HnXOobZEVmwTMfex9TxOlnN5Z3iU [19] This guide, which animates Paul's classroom is part of a wonderful collection on NWP's Digital Is: [20]http://digitalis.nwp.org/collection/assessing-multimedia-compositions [20] and Paul explains it in this resource on NWP's Digital Is: [21]http://digitalis.nwp.org/resource/1259 [21]
08:39 Paul Allison: https://plus.google.com/u/0/b/102348327409046706063/10234832740904670606... [22]
08:40 Paul Allison: Tonight's show notes: https://plus.google.com/u/0/113993022447291199374/posts/5evN7x9STDS [23]
08:43 Paul Allison: http://digitalis.nwp.org/ [24]
09:49 guest-313: Just checking in between classes - hope all goes well with the new chat room.
09:51 pgeorge: Hi everyone! I was just about to say how much I loved the new chat when I clicked on the URL and the chat disappeared. :-)
09:51 pgeorge: but I really do love the new chat! you can actually copy/paste urls here :-)
09:51 guest-313: That's one of the remaining TO Do items for the elves - getting links to open in a new window
09:51 guest-313: For now, Right Click/Open in new tab is encouraged :)
09:52 pgeorge: it's easy to just hold down the command key on a Mac and it will open in a new tab. I just need to remember to do it
09:52 pgeorge: :-)
09:52 guest-313: Back to class- hope all goes well with the chat during the show...
09:53 pgeorge: thanks for checking in Jeff!
09:55 Paul Allison: Hi Peggy, can you join us on camera?
09:56 pgeorge: Don't really want to be on camera :-)
09:56 pgeorge: I can see the doc in Livestream
09:57 guest-316: ah Peggy
09:59 pgeorge: Hi Chris and Monika :-)
10:00 pgeorge: your Youth Voices guide looks great Paul :-)
10:01 pgeorge: hahaha Chris :-)
10:02 pgeorge: I'm really having a lag here with the video and chat. Maybe too many tabs open???
10:03 Paul Allison: hmm?
10:08 guest-314: Hi all. (I think I was in the wrong chat place.)
10:08 pgeorge: Hi Karen :-) were you in the Livestream chat?
10:08 guest-314: yep
10:09 pgeorge: sorry! I've done that before...very lonely in there :-)
10:09 guest-314: :)
10:09 pgeorge: we're just getting rolling now
10:10 pgeorge: Jared could be a great supporter even if you aren't asking for funding.
10:10 guest-314: "too many strings attached"....more people should think about this b4 they take $
10:10 pgeorge: I agree!!!
10:11 guest-318: Hello
10:12 pgeorge: Hi Scott! Thanks for joining this chat. Are you on video in the hangout?
10:12 guest-314: Hi, Scott.
10:13 guest-314: (Fyi, I think you can 'hang out' w/o video)...checking...
10:13 pgeorge: I like how easy it is to popout this new chat window :-)
10:14 pgeorge: Scott I can copy/paste URLs in this new chat now :-) Happy camper!
10:14 pgeorge: Love having Kelsey visit us here!
10:14 guest-314: Fyi, you can "hang out" without video...volume is a lot better for me.
10:15 pgeorge: I was wondering about the volume Karen. It's a bit soft here and I have the volume all the way up.
10:15 pgeorge: Scott is ready to go!!!
10:15 guest-314: me too peggy
10:15 guest-314: Congrats Scott!!
10:16 guest-317: new chat window. checking it out
10:16 pgeorge: are you going to substitute teach for the spring semester Scott?
10:16 pgeorge: yes Chris! Jeff Lebow changed us to a Drupal chat and it's so much better!
10:16 guest-318: I might sub a day or two, but I lose about $150 each time I sub
10:17 pgeorge: that's not so good! is it because you have to take time off from your other job?
10:17 pgeorge: https://docs.google.com/document/pub?id=1eqLUXP6TXxrtor-HnXOobZEVmwTMfex... [19]
10:18 pgeorge: too small in Livestream but we can view it in our browser with the link I just posted
10:18 pgeorge: 16 assignments are due every week Paul?
10:23 guest-318: @Peggy - My Mrs. said she might like to move to Phoenix or a nearby town. Let me know if you hear of any openings.
10:26 pgeorge: sorry! my browser was stuck and I couldn't reply. I will definitely keep my ears open for you Scott!
10:27 guest-318: Thanks! I'm hoping to set up interviews during the summer and spend my vacation time doing them.
10:28 pgeorge: good plan because official openings don't usually come until mid to late April after contracts have been renewed for existing teachers
10:29 pgeorge: I think this is really interesting Paul.
10:30 guest-314: I like it.
10:30 guest-318: I don't like that they have to do ALL 16 activities. There is no choice.... no opt out.
10:30 guest-314: (Scott, don't know if they have any openings, but Vail outside of Tucson is doing some awesome stuff.)
10:30 pgeorge: do you find that your students want you to explain the tasks more specifically?
10:31 guest-318: Choice of activity, but the all have to be done.
10:31 pgeorge: so many students (even my university students) wanted to know exactly what was expected and that's all they did...
10:31 pgeorge: the grid makes me think rubric but this really isn't a rubric
10:32 guest-318: Yes, but that tends to crush creativity. Sometimes they need a blank canva
10:32 guest-314: Many/most of these things aren't really separate assigmts but steps in a process
10:32 pgeorge: I agree Scott but I got a lot of pushback from univ. students
10:33 pgeorge: seems like a lot to keep track of for the teacher
10:33 guest-318: Peggy, I think each course needs a blend of "rubric work" and "open-ended work"
10:33 guest-314: Peggy, that's because of bad "training" in k-12...transfers all the way to the adult workplace. it's a problem.
10:33 pgeorge: even though they put an X in the box :-)
10:34 guest-314: Paul, are you one-to-one?
10:35 pgeorge: yes Karen--there is always a lot of resistance to open ended kinds of assignments/courses. Look at the Connectivism open courses by George Siemens. People have a hard time when he doesn't lay out the agenda/structure of the course
10:35 guest-314: I like that...asking students how "open-ended" they want...make them reflect on it. I'd like to try that with teachers in PD. :)
10:35 guest-316: http://howtorunclass.wetpaint.com/ [25]
10:36 pgeorge: got it Monika
10:37 guest-316: http://howtorunclass.wetpaint.com/page/LESSONS+-+JINGS+AND+VOICETHREADS [26]
10:37 pgeorge: Michael Wesch is a master at getting huge classes fully engaged!
10:37 guest-314: this is making me think about the teacher "how to do peer/self directed learning" class we want to do in p2pu this spring...a lot of people really don't know how to "do" this
10:37 pgeorge: yes seeing it Monika
10:38 guest-319: I can see it
10:38 pgeorge: perfect example Karen!!
10:38 pgeorge: seeing it
10:38 guest-314: I bet that a lot of kids are more apt to do this than adults.
10:38 pgeorge: what's the purpose of the parent guide?
10:42 pgeorge: have you heard of somersaulting your classroom? it's a gentle flip :-)
10:44 guest-314: Did they like math more?
10:47 guest-319: I keep a list like that, but personally, not for school
10:47 pgeorge: how can they do a non-conventional course and still take the conventional tests? they don't match!
10:50 guest-314: link?
10:50 pgeorge: we are having Karen Hume, author of Tuned Out, on our Classroom 2.0 LIVE webinar on Sat. Jan. 14th. I'm really looking forward to it!
10:50 pgeorge: she has a lot to say about things like Monika is talking about :-)
10:52 guest-314: note to self: self-reflection is a key part of self-directed learning
10:53 pgeorge: absolutely Karen!
10:54 guest-318: Detox implies running from something. Maybe need a term that means running toward something good.
10:54 pgeorge: our kids are so programmed to follow the rules and do what is expected that they don't find value in self-reflection because they aren't given choices
10:54 guest-314: detox can mean running toward something good
10:54 pgeorge: great point Scott
10:54 pgeorge: it can mean that Karen but most people don't think of it that way
10:54 guest-318: test
10:55 guest-314: Peggy, teachers too, I think...."so programmed to follow the rules and do what is expected that they don't find value in self-reflection because they aren't given choices"
10:56 pgeorge: I completely agree Karen!
10:56 guest-319: I think that the thing I respond best to is being told "This is the point you have to get across. Go do it." There are options, but they aren't A or B or C, but they are "Go and do"
10:56 guest-314: problem solving
10:57 guest-314: I struggle w/this in teacher pd....folks want a script of directions to follow not "here's the goal...see what you can do"
10:57 pgeorge: I felt that way as a principal and we also weren't given choices like choosing our own way to reach a goal
10:58 guest-314: side note to Scott...Vail SD seems to do a good job of telling their teachers "here's the goal; you and your students can reach it however you like"
10:58 pgeorge: Karen are you talking about Vail AZ?
10:59 guest-319: I think it depends on what you are used to as to wheather you see it as "Go and do" or "See what you can do" This implies that you can't figure it out, and people like knowledgeable authority
10:59 guest-314: yes, peggy. have you visited them?
10:59 pgeorge: I know them well! I've spent a lot of time there
10:59 pgeorge: I live in Phoenix AZ
10:59 guest-318: I'll have to look them up.
10:59 guest-314: Kelsey, this is so true. We're experimenting w/this a lot at p2pu (peer learning for teachers)
11:00 pgeorge: they are my best example of 1:1 :-) I love what they're doing! Teachers have choices and so do students :-)
11:00 guest-314: I agree.
11:00 guest-318: @Kelsey Good job tonight. You have had some insightful posts.
11:00 guest-319: thank you
11:00 guest-314: I was astounded at how they combine sts-based instruc (and fairly rigid pacing) w/amazing flexibility and tech use
11:00 guest-314: Thanks all!
11:01 pgeorge: this is how Vail develops their curriculum :-) all done by teachers and students http://beyondtextbooks.org/ [27]
11:01 guest-314: exactly
11:01 pgeorge: thanks Paul for facilitating another really stimulating conversation!
11:01 guest-314: Good night everyone.
11:01 pgeorge: good night all
11:01 guest-318: That is the way my student teaching was... no books
11:02 pgeorge: you're really fortunate to have a student teaching experience like that :-)
11:02 guest-318: We had such a great time. We both learned a great deal
11:02 pgeorge: I'll bet you learned a lot and left feeling empowered :-)
11:03 guest-318: Yes, but still nervous about doing it solo. She was a great safety net
11:03 pgeorge: you'll be just fine!
11:04 pgeorge: and I'm sure she'll be there to mentor you even after you move on to your own classroom :-)
11:04 guest-318: Thanks. I'll let you go - I should be off to bed.
11:04 guest-318: Have a great evening
11:05 Scott (guest-318): Thanks for your support


text:
TnT_Wazzupz - Saturday 17/07/2010, 05:13
Master - TRiNiTY
Well I to be honest SUCK at Elo... I know this question is asked like probably EVERY day but I want to make sure that I get the answer that I WANT and maybe the same answer that other people want. So I am a Bangers player and I use Full Bangers, Massiv ! for Elo. What I want is to see if I can improve this deck somehow to make it a for sure 1300+. I know people would say that it depends on skill but like I am able to get 1300+ but I kinda struggle (NO LAUGHING AT MEH!). Also for just some reason I would say that for what I WANT no rescue please (I don't know, I just don't like them for some reason) and no semi-evos please because well quite frankly I can't afford it. I was thinking of maybe using this deck BaNg bAnG !!! but instead of Morphun maybe Shann or Shann when Morphun is banned and from the Vermyn N 3* to Juicy Lord? Your thoughts?
wasteroftime - Saturday 17/07/2010, 08:28
Titan - Open Casket
Yup i use mono Bangers on a semi regular basis and 1300 is quite doable every week with them since nothing gets banned. i run my mono bangers exactly how you have suggested. Shann and Juicy Lord. The only thing i change is if Caelus is out there, then i run Shogunn over Chlora.
TnT_Wazzupz - Monday 19/07/2010, 05:24
Master - TRiNiTY
@wasteroftime: So you use Bangers the same deck I suggested? O.o do you remember what was your record with that deck?
PhaserhawkLoA - Monday 19/07/2010, 15:19
I would drop Cholra for Saddy, and put Vermyn N back to 4, that extra 2 damage I have found is much more helpful in this deck then a 3*, and he gives you more 2HKO's. I prefer bennie to Massiv, but that's my preference. The other spot then would be Morphun, which could either be Shann, but lately I have been running Bodenpower since Roots is so popular, you can also use Lennox if need be. With Roots probably going to be so popular this week, you may want to shelve Massiv for Bennie, use Bodenpower for Morphun, and play with a B Ball, Saddy, Vermyn N at 4*-----B Ball, Cholra, Vermyn N at 3*, or Juicy Lord, Saddy, Vermyn N at 3*, best of luck.
TnT_Wazzupz - Tuesday 20/07/2010, 18:39
Master - TRiNiTY
Anybody else has some input on this?


text:
Eratosthenes used geometry to estimate the circumference of the Earth.
Eratosthenes measured the altitude of the noontime sun at Alexandria at its maximum on Jun 21st. On that date, the Sun is directly overhead at noontime at Syene, in southern Egypt (latitude = 23.5 degrees north).
The zenith distance is the angle from the zenith to the point where the Sun was at noon; it is also 90 degrees minus the altitude. At Syene, the zenith distance was 0 degrees; at Alexandria it was about 7 degrees.
He knew how far it was from Alexandria to Syene, so he used geometry and the difference in zenith angle to estimate the size of the Earth.
Eratosthenes also measured the tilt of the Earth axis by 23.5 degrees, which gives us the seasons .
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text:
As we get older, it becomes more difficult to handle the many routine tasks of living at home. Whether due to mobility issues, diminishing eyesight, loss of driving skills, or temporary medical issues, running routine errands can become a major stumbling block for seniors wishing to live at home.
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The BBC is hoping to revive that simpler time with Tweet of the Day - an early-morning radio programme dedicated to British birdsong.
The broadcaster announced on Wednesday that veteran naturalist David Attenborough will host the 90-second show, which will feature the song of a different bird each weekday, along with background on the species' behaviour, habits and place in literature and folklore.
Attenborough, who has travelled the world for documentary series including Planet Earth and Frozen Planet, said he was delighted to be involved in something closer to home.
"I've seen some of the most incredible animals on my travels around the world, but Tweet Of The Day is a nice reminder of the teeming world of birds on my doorstep," he said.
The show on the BBC's main speech station, Radio 4, may be best appreciated by those who rise with the birds. Tweet of the Day will be broadcast at 05:58.
The BBC said 265 different birds will be featured during the year-long series, which begins 6 May with a recording of the cuckoo and moves on to song thrushes, swifts and wood warblers.
Attenborough will host for the first month, and be followed by other BBC presenters.
As this is the 21st century, Tweet of the Day will be available online - and will be promoted on Twitter, under the hashtag "r4tweet."


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TI Precision Labs - Isolation: What is CMTI for Digital Isolators?
TI Precision Labs - Isolation: Introduction to Isolation Standards and Certifications
TI Precision Labs - Isolation: What are Creepage and Clearance?
TI Precision Labs - Isolation: Isolated Power for Digital Isolators
Detecting magnetic tampering using hall-effect sensors
For anti-tampering, it is common to try to detect the presence of a strong magnet. In this section, we will cover the use of hall sensors for low-power detection of strong magnetic fields in three dimensions. Details on our magnetic tamper detection reference design, TIDA-00839, will be provided as well as some of the design considerations that were kept in mind when creating this reference design.
Hardening a meter against magnetic tamper attacks
In this section, we will cover how to harden a meter against these magnetic tamper attacks by using shunts for current sensors. For poly-phase implementations, I will go over how to use isolated delta sigma modulators to add the necessary isolation to use shunt current sensors and create magnetically immune poly-phase energy measurement systems. The TIDA-00601 and TIDA-01094 reference designs, which show how to implement a poly-phase isolated shunt measurement system, will be discussed as well as the associated AMC1304 high-side power supplies used in these designs.
Isolated Bias Power Supply Architecture and Topology Trade-offs for HEV/EVs
Dual active bridge DC:DC power stage for a level 3 (fast) EV charging station (pile)
Powering Isolated Gate Drivers in HEV-EV Traction Inverters
Overview of commonly-used interface for industrial application Part 3
Overview of commonly-used interface for industrial application Part 1
2018 South Asia Industrial Webinar Series
The topics will cover system design issue and solution for Building Automation, Power Delivery and Test & Measurement. TI experts introduce the latest technology and innovation system reference design. Discover ways to enhance the time-to-market and create safer and efficient industrial systems.
What is Reinforced Isolation?
Webinar series Analog Signal Chain - Session 1: Understanding Isolation Technology for Industrial Applications
TI Precision Labs - Isolation: What are Creepage and Clearance?
Power Management for Industrial Applications II
How High-Voltage Isolation Technology Works
Want to understand how high-voltage isolation technology works? Watch and learn about reliability testing for isolation. Filmed in TI's high-voltage lab, this series of videos will focus on capacitive isolation structure, working voltage reliability, withstand voltage capability, methods for testing reliability, and more.
How High-Voltage Isolation Technology Works –Reliability Testing
How High-Voltage Isolation Technology Works –Surge Testing
How High-Voltage Isolation Technology Works – Capacitive Structure


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Hulu's Employee Owners Are Just Employees Again, Which Means Some May Be Ex-Employees Soon
Hulu's employees used to be owners, too. But those days are over, so they're going to have to be happy with a paycheck and some bonuses.
That's the upshot of a new long-term incentive plan I'm told the video site is prepping. It's meant to replace the equity stakes Hulu's employees cashed out earlier this fall. And it should be going into effect soon.
The move is small but symbolic: Hulu used to be a start-up, and the people who worked there had the potential for a big payout if things went really, really well. But investor Providence Equity Partners sold its stake in the site in October, and that let Hulu employees sell too. The company's value doubled, to $2 billion, in five years, so many of them did do well. But not sit-on-a-beach-and-count-your-money well.
Now, it's purely a Big Media asset — Hulu is co-owned by Comcast, Disney and News Corp. (which also owns this Web site) — and the employees who stick around will be Big Media employees.
So who's going to stick around? As always, there is plenty of chatter about CEO Jason Kilar's next move, but that chatter has been going on for years, and he's still there.
That said, if someone does present Kilar with a great opportunity — say, the chance to run a start-up that's already up and running, but that has the potential to get really, really, big — he can now head out without reservation. He has taken the company much further than many expected and has also gotten his team paid.
Some of Kilar's senior team could head out the door regardless. Both Andy Forssell, who heads up Hulu's content efforts, and Jean-Paul Colaco, who runs ad sales, are frequently mentioned by people outside the company as candidates for new jobs.
Meanwhile, people who have talked to other Hulu employees say some of them either have new gigs lined up or have begun looking for them. After the cash-out in October, Hulu paid out additional bonuses to get some senior managers and key employees to stick around through the end of 2012. But now those payouts are done as well, so it won't be surprising if you see an exodus in the new year.
Hulu's corporate owners seem resigned to that notion, and seem confident that they can hire replacements if necessary. As The Wall Street Journal noted last week, the really big issue for the company is that its corporate owners don't agree about what they want to do with the site going forward. If News Corp. and Disney can't figure that out, it doesn't matter who's still there to run it.


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August wanderings…
by Shaun Chamberlin on September 1st, 2014
A couple of nice videos from my wanderings in August. I started with a few days at the ever-wonderful Transition Heathrow, to support them through their threatened eviction. You can see how that went in the short video above.
And then a coach was arranged from Grow Heathrow up to the Reclaim The Power anti-fracking camp in Blackpool, where I gave a couple of workshops, on TEQs and the Grow Heathrow eviction resistance, as well as doing my first Legal Observer training. The video below tells the story of that camp, and I certainly learned a lot there, as well as having a great time.
It reminded me in many ways of the Climate Camps – it's amazing what a group of committed people can build and achieve when nobody's telling them what to do… Read more »


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|Association of Collegiate Water Polo Coaches
Welcome to the ACWPC!
The mission of the Association of Collegiate Water Polo Coaches is to promote the development and advancement of collegiate water polo. This shall be accomplished by providing its membership with professional education, services, training and a united voice.
Since 2005, it has been the goal of the ACWPC to bring a unified voice, abundant resources and recognition to collegiate programs across the USA. It is our hope that the ACWPC grows to include all collegiate coaches in all levels, serving to unite the collegiate water polo world to further protect and advance the sport at a time when budget cuts and sport elimination is commonplace. Join us and help us to build solid water polo programs that help to represent the institutions, the sport and the country on a level few sports have been able to accomplish. The overall academic and athletic abilities of our student-athletes is among the best in the nation, we hope to help all collegiate water polo coaches to continue this trend by offering solid educational programs, coaching insights and strategy, and networking opportunities that will foster long-term relationships.


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Thursday, July 16, 2009
On humor and bitchiness
This decision has been so difficult for me, and at one point I just cried for over an hour, feeling that I was abandoning my child, pushing her away from me to achieve my own selfish ends. Intellectually, I know that the decision was based on many factors, my own needs being just some of them. She has been home with me since birth, and she is now at an age where she loves me beyond all measure and wants to be with me 24/7, but at the same time is trying to be independent and separate and so butts heads with me all day over issues such as which shoe to put on first or the exact spot on the floor where she wants me to sit. Her sister was in daycare from the age of 4 months on until she went to pre-school at age 4, and I am convinced that the interaction with other kids and other adults was very, very good for her. And I am convinced this will be good for Devon as well, but I still can't shake the fear that it will cause her some sort of irreparable psychological damage.
On top of this, I was reading a much-anticipated book, It Sucked, And Then I Cried, by Heather Armstrong of Dooce fame. As is the case with many blogger books, it is a re-written, re-edited compendium of blog posts which recounted her battle with depression during and after her first pregnancy. As someone who has been through post-partum depression herself, I have always taken some comfort in Heather's story and I have been a follower of her online work for several years. It would not be exaggerating to say that Heather Armstrong is one of the reasons I became a blogger and decided that it was perfectly okay to write in my own snippy, snarky voice.
So, I was really looking forward to reading the book, but as I plowed through each chapter, I realized that I was NOT enjoying the book AT ALL. I mean, I wanted, several times in fact, to take the book and throw it against the wall. I wanted to tell her to shut up already about your swollen feet, like you are the only person who ever had a baby? GOD.
It really just pissed me off in deep, visceral ways. She exaggerates everything about her pregnancy, about her size and ungainliness and swelling and difficulty urinating, in chapter after chapter of, well, endless bitching. By the time she gets to the point where she has both a newborn and a mental illness that needs treatment in a facility, I as a reader felt like her crippling anxiety was just more bitching. There is nothing in the book that makes her seem like a warm, vibrant, loving individual, which I am quite sure she really is, and so her breakdown seems (and I emphasize "seems" because I do know that this isn't actually the case - I'm just criticizing the mechanics of the telling of it) like just a consequence of a life of incessant negativity.
Reading this, and being so disappointed, kind of forced me to take a look at my own writing and to wonder if I am in danger of falling into the same trap. It has occurred to me, and upon further reflection I think this is true, that what is funny in a blog post, even if the blogger posts similar content fairly often, is not funny at length. when I take a minute out of my day to read about Heather's new baby, and she says that little Marlo doesn't cry, but instead yells, "pot-bellied, weathered by years of tragedy and illness and unemployment kind of yelling. Drunk on scotch and just got home from the coal mine yelling," it makes me guffaw out loud and once again wish I could be that funny and clever. But a whole book of the same kind of "my kid is so difficult" exaggerations just sounds mean.
So you'd think my conclusion would be that my bitching can be amusing on the blog, but I should just come up with a new plan when the inevitable (right?) book deal comes through. But, no. I may work myself around to that conclusion eventually, because I can't really think that I am going to stop complaining about my incompetence, if I am truly honest with myself. But at least I can go through a period of appropriate reflection and meditation in the subject, to make myself feel better.
Thus, right now I am thinking a lot about humor and the writing of it, both online and off, and wondering where the lines between satire and hyperbolic whining fall, and if if I have a place in that that I can make my own, that I can be comfortable with. Lord knows I have exaggerated my own incompetence here simply because it is funny to me to do so, and it helps me to get over the lazy perfectionism that has kept me from pursuing so many things in my life. David Sedaris has done the same thing, though not about his lousy quilting skills and in a much more talented and wonderful way than I ever will, and apparently everybody was taking him seriously all those years. They truly thought that he intended each and every crazy story to be taken as fact, as reporting, and when it turned out that he was exaggerating, people were shocked, shocked, that it wasn't all gospel truth.
I guess what I'm trying to say is that writing this blog has become a bigger enterprise for me than just yapping about my sewing misadventures. It may have opened a door, a small door right now - but still a door, into further writing, and with the time that is opening up before me this fall, I have an opportunity to, in the second half of my life, finally do some of the things I have long wanted to do. Like write a book.
I just don't want to fuck it up.
12 comments:
- Linda said...
I think the only way you can fuck things up is to not do anything at all! I love your writing. I'm fully aware it's occasionally exaggerated (one g or two?), and that's as it should be. Good writing is good writing! Keep enjoying life and writing about it! And, by the bye, both of my kids were in daycare early (my second earlier than my first) and have turned out really, really well! Take care. Lurking Linda
- July 16, 2009 at 12:00 PM
- ~Michelle~ said...
I think Heather does what she does because homegirl is bringin' home the bacon that way - just name one of the most influential women in media, so the girl is struttin' her stuff. But I still get the sense she is grounded, so I think you could remain that way too, even while giving us some satirical sewing adventures to read about! Just keep reminding yourself that a bunch of us feel that way, but aren't gutsy enough to let others see it. ;)
- July 16, 2009 at 12:28 PM
- Vicki W said...
Ok, just my 2 cents (which is worth shit in this economy).....stop reading these crappy books. DS makes me want to slit my wrists. These are people who think what they have to say is funny and profound. I don't really want profound with my funny. Your writing is tremendously entertaining. Don't overthing it - just do it!
- July 16, 2009 at 12:37 PM
Several disjointed things: Thanks for using the word "peevish." It is one of my favorites and whenever I hear it (in part because I am often peevish at said moment) it immediately makes me giggle, and therefore eliminates my peevish state. It also makes me think of Peeves, the ghost in in Harry Potter, which also makes me laugh and sometimes snort and generally embarrass myself.
Second: As a writer and an editor you see this all time: we are our own worst critics. Write what you want, how you want, when you want, where you want. People like it, or they don't. Learn from others and figure out how it applies to you. I was at a book fest here in Chicago a few weeks ago listening to a panel of cartoonist and someone made this great point: If a random stranger came up to you and said, without provacation, that your work is shit ... they'd be a right royal bastard. But somehow, somewhere it became OK for us to say that about ourselves. (What can I say, I was feeling profound at the time.)
And finally, a semi non-sequitor. I don't tell this to most people, but I write full time. That said, it's a very different kind of writing (in content, tone, style, etc) than what I put on my personal blog. I'm so thankful to have the balance of the two: the pays-the-mortgage gig, which lets me learn so much about the world and gives me perspective; and the blogging part, which helps me remember why I love to write in the first place, keeps me centered and helps me organize the rock-and-roll concert of thoughts that goes on in my crazy addled brain.
So in summary, you're not fucking it up. Rock on, girl friend. :-)
- July 16, 2009 at 1:08 PM
- Ginny said...
Ok a couple of quick things... first off I am not a write, hell I can hardly string a bunch of word together to make a coherent sentence, plus I can't spell for shit! That said, I love reading your blog, yes we know you exaggerate, NO ONE could quilt as badly as you claim! LOL so I read you blog very tongue in cheek (tongue being a word I can actually spell correctly every time)
So write your book. Just do it! The worst that could happen is it will be a smash hit, you will sell millions, go on to wealth and fame, screw up your kids and end up on drugs! Ok so seriously, write it, you will never know what you can do till you attempt it.
Now on to the most important part of my post... Daycare for your little one, I am a licensed provider... So my professional opinion.. take a breath, now take another, and let her go to care, she will grow and benefit from time away from Mom, and time spent with new friends, you little one will be happier for it. I know that sounds strange, but like we adults, children need that social interaction, and if she can get it before she starts school it will be much better for her. Plus, think everything you can get done while she is playing with her friends, heck you could write a book!
Hugs to you, we love ya!
- July 16, 2009 at 4:02 PM
- soggybottomflats said...
Are you kidding? I get giddy when my blogger says you wrote another blog! You have a loyal following of quilters who would love to be able to admit there shortcomings but are to afraid to admit it. About the exageration...don't we all? It's kind of like someone tells you your dress is cute and you have to defend that claiming it's just an old thing and never admitting you bought it the day before and spent 2 paychecks on it and worried it wouldn't be just right. I love your blog. I also think you are funnier then a pap smear on a 90 y/o nun. Don't sell yourself short, you do have what it takes, write the book.
On the daycare thing. Just remember that this is not a dress rehersal, this is life. Your job as a mom is to teach independence and autonomy. Sometimes it hurts, lots. But you have to take care of you to be a better mom.
I can't wait for your book.
- July 17, 2009 at 12:46 AM
- soggybottomflats said...
(omg, I hope to God she doesn't have the damn red pen for the misspelled words and grammer, shit!)
- July 17, 2009 at 12:48 AM
- Carol R. said...
I read your blog for the sheer entertainment. You have such a way with words. Like one of the posters before me, I can't wait until my Google Reader tells me you have posted another post.
I wish I were out-going enough to display my true emotions on my blog the way you do. I guess I am drawn to your blog because you say the things out loud that I think, and I admire that.
On daycare? Enjoy your time away from your daughter. She, and you, will end up with a better relationship because of it. It will make it easier to have quality time with her when she is with you. JMHO.
- July 17, 2009 at 11:46 AM
- Sarcastic Quilter said...
first, I'm going to say that this was a great stepping-stone lesson for when you write your own articles and books. You've learned what is too much and that's part of not fucking it up.
Now, I have to say, you could have gotten to that conclusion in a much shorter post. -wink-
- July 20, 2009 at 6:38 PM
- Lindsay Jean said...
I read "It Sucked And Then I Cried" also, and I am so relieved to hear my impression come from someone else. I'm devoted to Dooce.com, and I knew the story, but the book came off a little less poignant, a little more whiny. And I felt bad for thinking that because I know she's been through a lot.
You write beautifully, and your blocks from Take Two are lovely. The long and short of it is that if you were a bad mother, you wouldn't think twice about sending her to daycare.
- July 22, 2009 at 7:48 AM
- Sunna Reyr said...
I wish you the best of luck there, both with daycare and writing, which according to your writing here, both grumpy and happy, should not be a problem for you. Having four kids and living on a farm my little ones just loved daycare and the other kids they met there. At home they got so fed up with each other from time to time, that I loved daycare dearly too.
- July 22, 2009 at 9:15 PM
- 2ndAvenueStudio-Rachel said...
I just wanted to write "fuck" and post it... :)
- July 23, 2009 at 8:41 PM


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EDITORIAL: Why are unemployed giving up on finding work?
As if Connecticut didn't have enough pressing issues, from public safety and gun control to the ongoing budget crisis, another looming problem has emerged in the employment sector.
Put simply, an alarming number of unemployed people in the state have stopped looking for work. For whatever reasons, they've given up on their job search and taken their skills off the market. This should be a matter of concern to us all.
According to the federal Bureau of Labor Statistics, Connecticut's labor force shrank every month in the second half of 2012. That's in addition to the 2.5 percent reduction in the labor force between 2010 and 2012. Making matters worse, our state seems to be setting the pace for New England and the nation in this regard.
More than 47,000 unemployed folks in Connecticut have quit trying to resume working. Economists say they tend to be between the ages of 40 and 60. These people are not counted in the state's official unemployment rates, which was 8.6 percent in December.
The situation is dire enough that state economists have begun to huddle up and try to assess why this would be happening more in Connecticut than anywhere else. Andy Condon, director of research at the Connecticut Department of Labor, told the Associated Press the "suddenness is like nothing we've seen before."
Thus far, experts don't understand why more Connecticut people would halt their job hunt than people in other states. But it's worth finding out and quickly. A smaller pool of available, skilled workers means Connecticut will be at a disadvantage as the job market eventually rebounds. It also means Connecticut may look less attractive to companies thinking about relocating here or expanding their operation.
We believe it is in the best interests of the state and its economic future to fully understand what is happening to our workforce and take appropriate steps in research and retraining for the long-term unemployed in our midst.


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Antioxidants are man-made or natural substances that may prevent or delay some types of cell damage. Antioxidants are found in many foods, including fruits and vegetables. They are also available as dietary supplements. Vegetables and fruits are rich sources of antioxidants. There is good evidence that eating a diet with lots of vegetables and fruits is healthy and lowers risks of certain diseases.


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Vango AirBeam Capri 600XL Footprint & Extension Groundsheet
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Christmas is but a few weeks away, but it doesn't have to be the season to go bankrupt! Not with our easy and creative handmade Christmas decorating ideas that include anything from table décor to oversized stars and trees – perfect for your living room, dining room, kitchen, children's playrooms… just about any space, really!
And you don't even require a professional interior designer by your side. All that's needed is your regular DIY tools (string, glue, scissors, a few household items, spray paint, you get the picture… ), a dose of creativity, and the spirit of the holiday season!
With pretty glassware, glass jars and tins you already have in your house, you can display baubles, fairy lights and candles. Use them to spread an eye-catching design on your table, or style up coffee tables, fireplace mantels, windowsills, etc.
Consider dipping the tops of the glass jars in metallic paint or spray paint them slightly for a touch of shine.
Speaking of using your old glassware, let them double up as candleholders. The appropriate Christmas décor (as seen in our beautiful example below) can add to that festive theme.
Got a load of unwanted paperbacks stocked somewhere? Turn them into beautiful décor to hang on the tree!
Simply fold a page in two and cut out half of the shape you want (i.e. tree, star, snowflake). Cut out more than one copy of the same design, then place them on top of each other, staple down the middle, and open out the sections so they can become standing decorations for tables.
See which plants and flowers from your garden have the potential to become prime table centrepieces for that Christmas dinner. Pair with a few candles and add your best silverware and glasses to the table.
This one might take a bit of time, but is so worth it! And since this tree doesn't get tossed out and replaced every year, it takes both your wallet and natural resources into consideration.
Collect plywood rings, knotted ropes and a wooden ring. Screw the hook into the ceiling, attach the mounting cord and let your decorating skills run wild.
Sublime additions can include tea light candles, seashells, Christmas tree balls, pine cones, nuts, and candy canes. Change the decorations each year!
These Christmas
crackers have been made with leftover linen (onto which a seasonal-themed image has been sewn) and some string – and that's it!
If your DIY skills don't include sewing, simply paste a sticker onto the fabric, or leave it blank for a minimalist look!
Thanks to wall decals and stickers, sticking and removing wall art is easier than ever before! Go on the hunt for Christmas-themed images to add some festivity to your walls this holiday season.
Alternatively, get some water paint that's so easy to remove from walls (just a bit of hot water and soap) and let the kids come up with their own artistic creations!
Christmas decorations surely extend to the presents, which means there's no reason why you need to fork out your year-end bonus on wrapping paper. Alternative ways of styling up presents include wrapping them with simple brown mailing paper or old newspaper. Then you get creative by using stickers, colourful ribbon (bonus points if it's nice and thick with Christmas-inspired patterns), stencils, twine, paint, or glitter to add some holiday flair.
For this really easy 2D wall design (which saves so much space), all you need is a long piece of tinsel (your choice of colour), some decorations, clear tape, and fairy lights (optional).
Lay out your star (or tree, or reindeer, or any other shape you desire) against the wall and stick it with simple Prestik. Add your choice of decorations (fairy lights can ensure your design continues to glow well after dark) and enjoy!
Want to design your own Christmas tree but have no pine trees? Opt for a more rustic-inspired design by using simple branches.
Simply collect a few branches, remove all little twigs so they appear as straight and clean as can be, then tie them together like you're making a little tipi tent. Glowing lights and hanging decorations complete this DIY tree very nicely!
homify hint: Although you can get quite creative with additional branches sticking out as per our example below, we don't recommend adding those pointed sticks if you have little kids at home (or are planning to imbibe this festive season!).
'tis the season to ensure your home is clean and safe! Thus, herewith Your essential checklist before heading home for the holidays.


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Very military-chic, if that's a thing. It is now. It was menswear, writ large for ladies — oversized jackets, giant belt buckles, and patent leather boots with chunky heels. Still, it was far from shapeless, and lots of the separates look extremely wearable. As in, get on my body right now.
Lots of black, white, and cream, but that's to be expected. That said, Francisco Costa's 33-piece collection seems suited for a variety of ages; which is nice, especially after looking at some of the (delicious) cotton candy explosions from earlier in the week.
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