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Anima Ex Machina: Zero
I'll bring down the stars for you.
Twilight broke into night over Hoenn in waves: blue swallowed by red, red swallowed by black. One by one, taillow retreated to the trees for sleep, giving way to zubat fluttering across the black sky in search of prey. Street lamps and fluorescent lights flickered on in the cities, and above them, white dots began to appear gradually in the night sky.
One of these dots moved.
The meteor in question sported the size and approximate mass of a small car. That, along with the fact that its path crossed neatly with Earth's, had kept astronomers' eyes on it for several months prior to its destined approach. For the past twenty-four hours, the city closest to the estimated point of impact, Fortree City, remained completely deserted save for some of the area's wild pokémon. The flying-types had been gone, of course, as were the linoone and the mightyena packs. As for the rest? The water-types kept to the lake, knowing they couldn't wander much further than that without risking territory wars with wailmer, and the grass-types and kecleon, neither of whom were particularly known for their mobility, didn't have much further to go than sticking to the surrounding forests and hope for the best.
What was strange was the fact that most of the absol stayed behind. Absol had the capability of relocating. They knew they could move and feed off of whatever they found along the way. It was just that only a handful of them actually left the area. All of them looked towards the sky for months, as if knowing already that no matter where they went, it wouldn't matter.
Standing atop a hill, within a circle of rocks countless years old, was one of these absol. He shifted on his paws as the cold but familiar feeling of dread sank into his bones. The minutes ticked away, but he could do nothing during that time except watch. He didn't bother to warn anyone, in part because he couldn't tell where the meteor was going to land and in part because of that feeling of inevitability that was plaguing his pack for all that time. It wasn't just the meteor, he felt. There was something else, but for the life of him, he couldn't pinpoint what.
Above him, the meteor punched through a cloud and streaked closer in a brilliant ball of red and white. Looking up, the absol hesitated. He certainly didn't expect the meteor to arrive so soon. Jolting into action, he burst into a run down the face of the hill, his claws scraping against dirt and rock. To his side, the meteor fell rapidly, descending hundreds of feet in seconds towards the soft earth.
He barely reached the edge of the lake some distance from the base of the hill when the meteorite landed. The ground beneath his paws shook violently as a cloud of red dust spewed towards the heavens and quickly engulfed the area. In the distance, a great crack and subsequent crash signaled the literal fall of Fortree City, shaken free from its perch in the trees of the forest. Unable to ground himself, the absol flew through the air and landed awkwardly on a paw. His mouth opened to release a loud cry, but it was drowned by the rumbling of aftershocks and the screams of dying pokémon farther north.
The absol lay on the earth for what felt like hours as he watched the red cloud of dust above him fade. Eventually, he tried to move, but his body ached. One of his paws was definitely injured - the back one that was already beginning to swell. He whimpered as he limped north, back towards the remains of his home.
Not far away, a hole stood in his path. It was mostly concealed by the dust still in the air, but he could just make out the shadow of its edge. Gingerly, he limped on his twisted paw towards it. He whined, partly from the pain shooting up his leg and partly from the familiar, cold feeling in his bones. The ground beneath his feet grew hotter until it was almost unbearable, but it wasn't the pain that made him hesitate a few yards away from the crater. It was fear. He stood, leaning more on his good paws as he stared directly at the red glow. At first, he thought it was simply from the intense heat emanating from the earth, but something was wrong about it. He could feel it.
Abruptly, the glow shifted. Instantly, the absol realized that it wasn't coming from the nearly molten rocks around the crater but instead from something inside it. A loud crack - like the sound of rock being smashed with a sledgehammer - filled the air, followed by a chorus of scratches. The absol tried to scramble backwards, but his weight came down on his bad paw. As soon as it did, he collapsed on his knees with a high-pitched whine. He closed his eyes tightly until the pain faded, but when he opened them, he found that it was too late to escape.
A massive, red wave had risen from inside of crater and lingered on its edge. Then, the mass rushed like a tsunami at the dark-type creature. With a whimper, the absol struggled to stand, but the small, red beads that flowed towards him were already washing against his legs. Small mouths tore into his flesh.
Instantly, his eyes widened. He threw back his head, and his high-pitched howl filled the air.
Then, shortly after the howl began, it ended abruptly. The pokémon surrounding Fortree City would have no other warning.
Neither would the rest of Hoenn.


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Since I started my company at the height of the tech boom in 1999, I've witnessed a lot of change in the financial planning industry. Many of you reading this probably have as well: we weathered the bursting of the dotcom bubble, 9/11, the collapse of Enron and, of course, the latest economic disaster—the Great Recession. It's no wonder that today the industry looks completely different than it did in 1999. In 2012, advisors must work harder to reach investors who are skeptical of both financial planning professionals and the economy as a whole.
At Financial Finesse we talk to employees every day, most upwardly mobile, some high-net-worth, working at the nation's largest employers. Here's what they are telling us:
First, these employees understand that they are responsible for their financial future. This means they realize that this burden rests on their shoulders now, not their employer's (or the government's, which is the source of a whole lot of wry smiles and eye rolling these days when it comes to the Social Security discussion).
And for that reason, they feel a serious urgency; more than ever, they are ready to be proactive about their financial plans. The problem is they don't know where to turn, what to invest in, or who to trust. Two-thirds of U.S. investors do not trust financial advisors and 52% don't trust the industry as a whole, according to a 2011 Global MONITOR Study.
However, I think this dynamic can be a positive one for the industry. Slick selling with promises of big returns is out. Holistic financial planning from an advisor who has built a reputation of integrity is in.
For these reasons, we believe that there will be an increasing bifurcation in the financial planning industry between advisors who don't adapt to this new client paradigm and cling to a more short-term, transactional financial services mindset and those "white-shoe" advisors who operate as true consultants to their clients and often as fiduciaries.
At least in the workplace, the white-shoe advisors are already winning with companies becoming more concerned about their own fiduciary responsibility to be prudent in their selection of professionals who deliver advice to their employees.
Over the next decade, advisors will face a "grow or die" proposition. Those who grow will, in most cases, grow significantly, at the expense of those who are unable to adapt to the new climate. We believe these advisors—the ones who disproportionally grow their business over the next decade—will share the following characteristics:
1) They will obsessively focus on building a great practice, and a great brand reputation. The winning advisors will figure out what they do well and stick to it so they don't risk losing their reputation by getting spread thin or involved in areas in which they aren't the foremost experts. They will get better results, build better relationships and establish more trust as a result. Social media will reward them with referrals the same way it will destroy advisors that operate with short- term tactics that aren't in the best interest of their clients. Social media will upend the golf course.
2) To build trust among employees and employers, advisors will establish themselves in at least one of the following ways:
- They'll embrace designations. For wealth advisors, the CFP designation has become the gold standard for financial planning and is well positioned to become more entrenched in the consumer's lexicon. For retirement plan advisors, it is less clear which designation will emerge as the undisputed standard, but we fully believe that designations in general will become increasingly important as a way to establish trust. And we expect to see an increase in organizations that train, test, certify, and monitor advisors who work with plan participants as a way to ensure they are providing guidance that does not jeopardize the plan sponsor's role as a fiduciary—meaning the advisor is fully educated on the company's plan options and provides guidance and/or advice that is 100% accurate and with the plan participants' best interests in mind.
- They'll embrace a fiduciary standard. The DOL's proposed rule to broaden the definition of fiduciary responsibility could pass in the near future, and the SEC may still impose a fiduciary standard on all professional advice-givers. That means broker-dealers and other financial professionals who were not considered fiduciaries to their clients before could soon owe the highest level of responsibility to their clients. This is a huge responsibility on an individual advisor level, but it holds broader implications for the entire industry. As more light is being shed on transparency, there is a new 'ethos' developing for the industry. As a result, it will likely become a personal requirement for prospective clients seeking an advisor. Advisors who prosper will be those who take this responsibility to heart and show clients their utmost commitment to helping them succeed in their financial plans.
3) They will have a significant presence in the workplace. As retail customers become even more difficult and costly to attain, the industry will continue to see best practices for reaching new clients transform. Trends continue to point to higher demand for financial guidance and advice in the workplace and as employers seek to deliver these services in the workplace due to deeper concern for their employees' retirement preparedness, the new model for reaching clients will be through the corporate channel. Currently, 56% of U.S. companies provide financial planning services as a benefit to their employees, according to Bank of America and Merrill Lynch's 2012 Workplace Benefits Report.
Because of this, we are seeing an increase in demand for advice among large Fortune 500 clients as a way to both help employees achieve financial success and reach their strategic objectives in reducing costs to the company's bottom line. The challenge they face is offering their employees investment guidance and advice that doesn't put the company at risk.
With managed accounts arising as a safe option for employees (as a QDIA, or Qualified Default Investment Alternative), they are also realizing there is a safe model for providing investment advice. As a result, plan sponsors will increasingly expect advisors to elevate their practices to the new standard. For those who do operate at the higher standard, this is good news because those who don't will likely be pushed out of the market. They will want advisors who have impeccable records—those who carry the gold standard designation in their field, who charge clients on a fee-only basis as a way to further protect plan sponsors and reduce their risk, and who take responsibility themselves as fiduciaries for clients' success.
They will expect the advisors they work with to be more vigilant in how they provide investment advice and guidance and will require they know more about their specific benefits and how their employees use them to achieve their financial goals. For advisors who rise to the occasion, these new standards will actually provide more opportunity to establish deep-seated relationships with plan sponsors and gain access to direct channels of large pools of potential clients. In addition, those advisors will gain an opportunity to establish themselves as experts in a particular company's benefits and attract groups of employees to become individual clients.
Advisors will need to prove more in order to gain business as the new 'ethos' takes hold. Individual clients will require even more transparency, plan sponsors will require more protection and knowledge, and the industry will hold financial professionals more accountable. Those who choose to rise to the occasion will be seen as role models for a better, more transparent and client-focused practice. Those who don't will be left behind in a paradigm that no longer works for society. Which will you be?


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My 5-month-old boy is wearing 6 to 12 months clothing. This is not a complete shock to me because I've had other chunky babies and because I'm well aware that I make more than enough milk. My babies' rolls have always been a sign of good health to me and nothing to worry about. They're not chunky because I'm pumping them with sugary juice. They've all been exclusively breastfed for at least six months (Mary Elizabeth didn't enthusiastically include solids on her menu until closer to 10 months).
What has been surprising – and truthfully disheartening – is the difference in how people react to my male chunky monkey. When strangers saw roly-poly Madeline when she was a delicious butterball, they would say things like: "Wow! How much are you feeding her?" or "Well, she's not petite, is she?" or "I'm sure she'll thin out eventually."
I even had one woman in a produce aisle of a grocery store inform me that I might be feeding her a bit too much formula. I politely told her that Madeline was completely breastfed and walked away with my head held high. But on the inside, her comments put a dent in my fragile new mom ego. Maybe I was nursing her too much. Thankfully, I had a great pediatrician who told me she was just perfect and that she couldn't get too much of a good thing, and mama's milk is most definitely a good, nutritious thing.
Now when people see Thomas, who is actually bigger than Madeline was at this stage, they say things like, "What a healthy, strong boy!"
Do you see the difference?
Perhaps I'm over-analyzing this too much given my body image history, but it seems to me that even when they're babies, there's pressure on girls to be pint-sized cuties. Big boy babies are hearty and future linebackers. Solid baby girls might be eating too much. Raising girls to grow into confident, healthy women no matter their size is no easy task.
And it's not getting any easier with the onslaught of anti-obesity propaganda popping up. Childhood obesity is a big problem. It needs to be addressed. Sugarcoating things or telling kids that beauty comes in all shapes and sizes may not put an end to childhood obesity, but neither will shaming fat kids.
Dorian Speed recently brought the new anti-obesity campaign in Georgia to my attention. She wrote an excellent post expressing her own mixed feelings about the nature of the campaign.
Since I no longer live in the city, I hadn't seen the billboards; however, I know of people who have noticed them. There have been some experts who have applauded the campaign for not mollifying such a serious issue. According to Stop Childhood Obesity, 9 million children over the age of 6 are considered clinically obese. Fat kids are more likely to grow up to be fat adults and to suffer from myriad health problems. We owe it to our children to examine this issue and ask ourselves why the younger set is packing on the pounds.
I'm not against helping to put an end to childhood obesity. We don't need to candy-coat the fact that it's a serious problem or give an obese child's cheek a quick pinch and tell her she'll one day grow out of her baby fat. The campaign's website is excellent and filled with important information that needs to get out there.
But the images that go with the campaign? They disgust me, especially the one of the little girl. That's strong language, but that's exactly what I felt when I saw the campaign's visuals. I wouldn't want any of my daughters to see them. I have several friends whose spindly, thin girls are already concerned they're getting fat. These girls are 7 and 8 years old and are wondering if they need to go on a diet. Did the experts behind the campaign ever stop to consider this? That healthy children might see those posters and fear being fat even more than they already do or think they're overweight when they're not.
And what about the children who are heavy? How will they feel seeing these posters and billboards that vilify being overweight? Do you think these kids chose to be obese? Maybe there's a small percentage of adult hedonists who decide to embrace total gluttony and are saying, "To heck with my body!" But no child chooses to be overweight. Even they wanted to, a child can't go to the grocery store and pick out more healthy food on her own. They're at the whim of the adults in their lives. Kids are not naturally fat; the adults who feed them help to make them that way. Maybe we should be singling out the parents instead of the children. How about a billboard showing the typical processed, sugary fare a child eats and saying that this could be slowly killing your child, along with some statistics on the skyrocketing rates of Type 2 diabetes in children? (I actually don't have as much of a problem with some of the messages in the images pictured here.)
Honestly, I don't believe we should even resort to aggressive guilt tactics with the parents either. Most parents want their children to be healthy and happy. There are some families where everyone is overweight, and the children should be given the tools they need to escape the fat trap. If a parent thinks Cheese Its are a healthy snack, someone needs to step in and tell them differently.
But I ended on up on the chunky side while the rest of my family were at healthy weights. I had a thin mom. My dad, who has recently worked very hard to lose some of the weight he gained as he grew older, was not overweight when I was younger. My brothers ate virtually the same things I did (except I ate more vegetables and gave up eating meat at a very young age, which really was the beginning of my disordered eating), but they were not overweight. My mom, in retrospect, says she wishes she had known how sad and shameful I felt. My parents didn't know much about nutrition. This is true. Likewise, my dad grew up in a family where love was served up on huge platters brimming with butter. But there was more to my weight gain than what I was putting into my mouth.
I was a chubby, LITTLE girl, and seeing one of those posters would have cracked my eggshell ego. Shame is not the way to help people choose a more healthful lifestyle. Stigmatizing fat children or fat people in general isn't going to keep them from reaching for the Doritos. In fact, that sweet girl (pictured here) might already be lugging around a lot more shame than body fat.
Some argue a little bit of shame and guilt are necessary to motivate people to address this serious issue. If this is the case (and I'm clearly not sold on that), then it needs to clearly be directed at the adults.
However, what I don't like about any propaganda that stigmatize overweight people is that there's a subterranean message that the extra weight isn't bad, but the people who carry it around are. We can't treat people – especially young children who should feel free and full of hope – like convicts. This will only set them up for further forbidden eating.
In fact, I'd wager to say that shame usually isn't a good motivator for overweight adults either. Virtually anyone who is obese wants to free themselves from carrying around the extra weight and the burden of being overweight; they just don't know how, or they don't realize how long it takes to do it the right way.
One of the reasons people continue to eat too much is because there's a part of them that wants to hide away. "Look at me! I'm fat! Don't get too close to me."
In my own experience as being a child who was teased for her weight, I started to eat more because I felt like I could never live up to the ideal standard of beauty that was out there. I had a beautiful, thin mom. I'd never be anything like her, so why even try? I didn't like my body, but I didn't like myself more. Poor self-image and low self-esteem feed a child's desire to eat more. Each new rejection in my life – and seeing one of those posters would have felt like a lot like rejection – sent me to the pantry. So how can shaming obese children possibly help them to escape the despair they're already feeling? A 6-year-old hopefully can't turn to drugs or alcohol to help take away her pain and take her away from herself, but she can eat more cake.
I remember from a very young age associating shame with how much I ate. I was once at a friend's house and felt like I was eating too many chips. My friend was rail-thin, and I was not. I felt so yucky in her presence. You'd think I'd stop eating those chips. Instead, I started eating more because I just felt so pathetic.
That's me at about 12, holding one of my cousins.
When I stumble upon childhood pictures of me like the one above, it makes me sad because what I see now is a child who could have afforded to lose some weight for the sake of her health but also a sweet, funny, sensitive, smart, and creative, little girl. But when I was living that life, I felt like the way I looked defined me. I was bad because I weighed too much. I became skilled at putting up a good front and smiling, but inside I just felt so ashamed. What I needed then was someone to tell me that there was hope, that, yes, maybe I needed to learn to eat more intuitively again, but that I was still a good, beautiful, lovable kid.
If any overweight kids are reading this or anyone overweight period, know this. You are not bad. But some of the foods you're eating or how much you're eating might be bad for your health, and you deserve to live a healthy, happy life.
I'm not suggesting every overweight kid has deeper emotional issues, but I'd argue that many do, especially once they do start to fall into that obese category through no fault of their own and start to get teased. However, even if a child is simply eating too much and doesn't feel ashamed of his or her extra weight, then we need channel our efforts at reaching the parents and educators. A doctor or other trusted professional needs to sit down with the parents (away from the children) and give them the straight facts.
While I am careful to not label food as bad in my house, I also tell my kids that we can't eat too much sugar not because it will make us fat but because it's just not the best fuel for our bodies. We need to empower parents to serve real food rather than processed garbage. Even innocuous crackers and bread now have corn syrup in them. So many parents don't even realize they're giving their kids junk devoid of any nutritional value to eat.
We all have our own set point weights and natural designs, but young children are naturally more mindful eaters. We screw them up by forcing them to eat by the clock instead of by their stomachs or by telling them to clean their plate or filling our 7-month-old babies with sugary juice we think is healthy.
Before this anti-obesity campaign got me fired up, I'd planned on lambasting a new children's book called Maggie Goes on a Diet that was written to empower overweight children to slim down. To be fair, I haven't read the book. I've only read about it and also checked its summary and reviews out on Amazon. But I don't like the book's premise. Not one bit. The storyline goes something like this: Chunky Maggie is bullied at school. She decides to go on a diet and starts exercising to lose weight. She succeeds and – poof! – her life is instantly better. She becomes the star of the soccer team, scores some major popularity points, and leaves her sad, plump self behind.
It sounds like my biography, but it needs another chapter. This chapter tells the story of a Maggie who discovers that the secret to happiness and affirmation hinges on how thin she is. Eventually she has a bad soccer game. Her friends stop noticing how skinny she is. She feels sad again, so she starts to diet harder. And by diet, I mean she decides to only eat shards of lettuce (hold the dressing, please) and she runs, rain or shine, because she will not get fat again. She will guard her heart from ever getting hurt again. She will make herself disappear before she will be bullied.
And so Maggie lives desperately obsessed with her weight ever after …
Like Georgia's anti-obesity campaign, this book is approaching this sensitive topic from the wrong angle. First off, childhood obesity is not just a girl's problem. Don't young girls already have enough pressure piled on them about how it's their appearance that makes them popular, powerful even, or the opposite – ignored and worthless? Why did the author choose a girl to star in his weight loss success story? Oh, because there's even more of a stigma for overweight girls (and perfectly, healthy chubby babies). Beefy boys are strong and will make good football players. Stocky girls are just fat. And since being an overweight girl is so miserable, a fat girl who gets thin makes for a better, more captivating story.
Secondly, I know what it's like to experience that magical makeover like Maggie did. Although my eating habits could have been better as a young child (though my mom insists I didn't eat all that much; I ate more in secrret), I also believe I naturally packed on some pounds when I started to prepare for puberty. When I finally blossomed at 15, I naturally thinned out without any dieting (although I had started running). I returned to school, and the same boys who mercilessly teased me for being chunky started asking me out on dates. Nothing other than my external shell had changed.
Case in point: One "nice" guy told me I was a nerd trapped in a hot body. So I was the same nerdy girl, but my new looks somehow made me better. My newfound popularity rooted in my physical appearance sent a very clear message to me: You are more lovable if you're thinner. You are better if there is less of you.
Maggie's little tale sends the same message when it should be telling children they are precious and beloved and because of this, they should want to take care of themselves and make the most of the bodies they were given.
Posters showcasing sad, fat children flip the message around. You are miserable because you are fat. You are not good, and life is hard because there is too much of you. But maybe these poor kids are fat because they're miserable. They're feeding their sorrow. Maybe they need to be told they are good, lovable, and worthwhile.
Maggie doesn't need a diet. No child needs a diet. Lifestyle changes? Sure, but not a diet. (The growth of the dieting industry interestingly correlates with increasing obesity rates.)
An overweight girl doesn't need to be told it's not easy being a little girl. She already knows that.
What these children need is a lesson in self-love. They need to know that they have the power to make positive changes (with the help of a parent or another understanding adult). These children need grownups in their lives who recognize that their bodies are very, very important – gifts on loan from God. These same adults need to encourage healthy eating and not throw cupcake parties for every stinking holiday.
Above all, these children need to be loved into loving themselves enough to make the necessary changes to live a more healthful, whole life. We won't bring them to a healthy place by shaming them or sharing fairy tale stories where the fat-turned-skinny-girl locks down the happily ever after. Just because you slim down doesn't mean you won't suffer, or your life will be perfect. That fantasy of a skinny idyll kept me compulsively stepping on the scale for years. Our little women, in particular, are already at tremendous risk of sacrificing their true selves in a world where the dignity of women is constantly under attack. Let's build them up, show them their worth is not a size, remind them that God created woman as the crown of creation, and that they are a crown worth polishing, a crown that deserves nothing less than to shine.
UPDATED: After a friend of mine mentioned reading some articles about the campaign in the Atlanta Journal Constitution, I decided to explore around Google. This article, "Fight Obesity, Not the People," does an excellent job of explaining why these ads might not have their desired effect and may even backfire.


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Will Emerging Markets Shape or Shake the World Economy?24 September, 2013 | (01 hr)
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Emerging markets are big news. But after the financial crisis, what does the future really hold for them? And what does this future mean for global business?
During this webcast, George Magnus, one of the world's most respected economic analysts, will be our guide through the challenges and opportunities for emerging markets and those doing business in them.
We will look in detail at China and India – the big players – and also less hyped but crucial markets, including Eastern European countries and Turkey. Our guest will take in his sweep everything from commodity prices to climate change, and from comparative advantage to demographic to provide a compelling analysis of what the future might look like – not just for emerging markets, but for investors, businesses and economies everywhere.
George Magnus
George Magnus is an independent economist, author and speaker. His most recent position was that of Senior Economic Adviser at UBS Investment Bank from 2005-2012, before which he was the Chief Economist (1997-2005).
Mr. Magnus' held prior senior positions at UBS before the merger wi...Full Bio
Luke Fitzpatrick


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In the video above taken in False Bay, South Africa, a octopus simultaneously holds a shark at bay with one arm while simultaneously wrestling three zip ties of a baited canister. There (see this) should be no doubt now that Mollusks have won.
Foiled by an octopus … from Lauren De Vos on Vimeo.
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While I can't read the minds of the publishers, I can look at the actual sales data, draw some pretty graphs, and find out what's actually been happening to the sales figures in terms of cold, hard numbers instead of guesswork and speculation. :-)
All data comes from the ICv2 website.
The graph shows sales of Dark Horse's Buffy the Vampire Slayer and IDW's Angel comics, to the same scale. I've included the two non-sequential 'Buffy' comics, Tales of the Vampires: The Thrill and Willow: Goddesses and Monsters, because they are in direct continuity with Season 8 and were published in gaps between the regular comics. I haven't included IDW's series like Spike: After The Fall or Angel: Only Human because they're spin-offs published simultaneously with their main series.
The graph confirms that the comic sales have, indeed, been dropping steadily. For the 'Buffy' comic there was a big fall-off in the first few months, then a slow but steady decline each month thereafter. The big dip and recovery visible in the graph was for the The Thrill one-shot. However, what the graph also shows is that IDW's 'Angel' series has followed an almost identical pattern: a steep drop after the opening issue followed by a slower but steadier decline thereafter. Their curve isn't quite as steep as the Dark Horse one, however; perhaps suggesting that 'Angel' readers are a little bit more loyal - or conversely, the 'Buffy' comic initially attracted far more non-comics readers who tried a few issues, didn't enjoy it, and dropped away without ever even bothering with IDW's comic.
How do these figures compare to the overall market? This graph shows the same data as above, but I've also plotted the sales figures for DC's Batman comic over the same period of time:
Now, the Batman comic was first published in May 1940, is currently up to issue number 695, and is still regularly in the top ten bestsellers each month. The ICv2 website even uses it as an index to judge sales of all other comics against. What the graph shows, then, is that for the last two years at least, the decline in 'Buffy' and 'Angel' sales has been matched at pretty much the exact same rate by 'Batman' sales. The difference is that DC seem to have mastered the secret of re-booting the series every year or so, and adding on an extra 40,000 or so readers who are then gradually lost again over the course of the year.
Looking at the 'Buffy' numbers in more detail, here's how the sales figures break down over the course of each arc:
As we see, the initial drop-off continued through the first two arcs. However, by issue 9 and the two Joss-written stand-alones that followed it, the sales figures were pretty much stable. There was even a slight up-tick in sales at the start of each of the next two arcs, presumably as new readers picked up the comic to see what was happening. However, the 'Fray' arc was less good at retaining readers than the Japan story, and then 'Predators and Prey' started shedding them in large numbers. To be fair, this was also the time that all other comics in the market started seeing sales drop, but this was also the arc that drew most fan criticism. 'Retreat' seems to have slowed the decline, even if it couldn't stop it; and the curve seems to be levelling out again with the most recent issues. We don't yet have the sales figures from 'Twilight', though, which will be interesting...
Finally, here is a comparable graph for IDW's comic:
Curiously, while the overall curve of Season 8 sales has been a steep initial drop which then bottoms out, the 'Angel' sales are almost the opposite. There was an initial dip after the first two issues, true, but then sales were pretty much stable for the first eight or nine issues of After The Fall. However, while the 'Buffy' comic's sales were stabilising at that point, the 'Angel' comic sales instead began a much steeper decline. This continued right through to the end of After The Fall and beyond into the much-criticised Aftermath arc. It was not until Brian Lynch teamed up with Juliet Landau to write the Drusilla two-parter that their sales recovered a little. While IDW's sale figures are still trending downwards, they do seem to have finally stemmed the steepness of that fall. How the revelation of Angel's role in Season 8, and the associated controversy, will affect their figures is still to be seen.


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Obstetric Lie #87- Home Birth Is Dangerous
(Picture kindly donated by Westmama Designs
Breathtaking Photography)
Breathtaking Photography)
This is a question that mothers, fathers, and critics ask frequently. There are a plethora of studies within the field of obstetrics, and contradictory information is rampant on almost medical study you can find. This post is an attempt to pull together a few well done studies concerning the safety of home birth verses hospital birth.
One of the best and most recent studies I could find was this one. You can read it in full here and I highly suggest that you do. The choice of where you birth is deeply important. There are risks and benefits to every choice, including some inherent risk in birthing no matter where you birth. Overwhelmingly this risk is higher for the baby than the mother. When we choose pregnancy we must accept some degree of risk.
What is most telling about this study though is the type of midwife that it is examining. The Certified Professional Midwife or CPM has been widely criticized, even among home birth advocates. ACOG (the American Congress of Obstetricians and Gynecologists) only endorses the use of CNMs or Certified Nurse Midwives. The difference between the two, in short, is the type of education they recieve.
CPMs in this study were certified through NARM or the North American Registry of Midwives. They do not necessarily have a bachelors degree nor are they registered nurses. They are not medical personnel per se. They do not have hospital rights in the United States. Their legality is questioned still in some states. CNMs however are medically trained, mostly practice within hospitals and are much more accepted among the medical world at large. They are nurses with an advanced training in midwifery.
It is also important to note that in the United States there is not often a good working relationship between CPMs and the medical model of care. They do not often have transfer doctors or MDs that they work with. They are not supported by the hospital system.
Why are these things important to note? Those within the medical industry grudgingly admit that some midwives (CNMs) who have more medical training are capable of attending births within the hospital setting. However the idea of a competent CPM is often found repulsive and is discouraged by ACOG. It has also been claimed by some that NARM refuses to share their actual data on the safety of home birth. This study proves otherwise.
But let's get to the data, the science, behind home birth safety in the United States.
To start, the sample size was decent, and this study compared home birth moms to similar hospital birthing mothers.
"We focused on the 5418 women who intended to deliver at home at the start of labour. Table 1 compares them with all women who gave birth to singleton, vertex babies of at least 37 weeks or more gestation in the United States in 2000 according to 13 personal and behavioural variables associated with perinatal risk."First, they found that intervention rates were quite different between the home birth and the hospital birthing groups.
"Individual rates of medical intervention for home births were consistently less than half those in hospital, whether compared with a relatively low risk group (singleton, vertex, 37 weeks or more gestation) that will have a small percentage of higher risk births or the general population having hospital births (table 3). Compared with the relatively low risk hospital group, intended home births were associated with lower rates of electronic fetal monitoring (9.6% versus 84.3%), episiotomy (2.1% versus 33.0%), caesarean section (3.7% versus 19.0%), and vacuum extraction (0.6% versus 5.5%). The caesarean rate for intended home births was 8.3% among primiparous women and 1.6% among multiparous women."They found that despite lower interventions, the home birth mortality rates were comparable to hospital birth rates.
"The intrapartum and neonatal mortality was 1.7 deaths per 1000 low risk intended home births after planned breeches and twins (not considered low risk) were excluded. The results for intrapartum and neonatal mortality are consistent with most North American studies of intended births out of hospital11-24 and low risk hospital births"
If you would like to see the table of mortality rates in hospitals, (it is a great resource) you can find it here.
This study also looked at client satisfaction with their midwife. They found that:
"Among the stratified, random 10% sample of women contacted directly by study staff to validate birth outcomes, no new transfers to hospital during or after the birth were reported and no new stillbirths or neonatal deaths were uncovered. Mothers' satisfaction with care was high for all 11 measures, with over 97% reporting that they were extremely or very satisfied. For a subsequent birth, 89.6% said they would choose the same midwife, 9.1% another certified professional midwife, and 1.7% another type of caregiver."
Some things to note about the strength of this study compared to others done are mentioned here.
"Our study has several strengths. Internationally it is one of the few, and the largest, prospective studies of home birth, allowing for relatively stable estimates of risk from intrapartum and neonatal mortality. We accurately identified births planned at home at the start of labour and included independent verification of birth outcomes for a sample of 534 planned home births. We obtained data from almost 400 midwives from across the continent."
The choice to birth at home is not a popular one despite some recent media attention to the contrary. Women overwhelmingly choose to birth in the hospital. The common criticisms of home birth, that only CNM's should be used and that the American CPM is badly trained and dangerous were not found in this study. In fact, their results were very similar to those of medically trained OBGYNs. The assertion that NARM does not disclose their statistics is also disproved in this study. One particularly telling thing is that these good results were present even in the United States where there is little cooperation between obstetrics and home birth midwifery care as compared to some other European countries where there is also stricter home birth midwifery requirements.
Wherever you choose to birth, it is imperative that you have studied your choice and that you are comfortable with it. Knowing your care provider, their skill level, their certifications, their experience, and their history of deaths, if any, is something that the woman entering motherhood should be far more interested in than the nursery theme.
If you are interested in more studies on this subject, there are many more. You can find them at the links below.
Birth safely and in peace and with full knowledge of what is safe and what is not. You have a responsibility to know what is true and what is false.
This study points out that planned home birth was slightly safer than hospital birth (Canadian).
This is the response by Johnson and Davis to the critics of their home birth study, and is fascinating reading.


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Visiting Us
History of the Project
The York Project began with one student, Charles Neal JD '07 (pictured), and a question about the slave who served as a vital member of the Lewis and Clark expedition: Where was York represented on the campus of the college that bears the famed explorers' name?
The answer was "nowhere."
A third-year law student at the time, Neal committed himself to changing that, and when he was able to enlist a core of committed students and key members of the college administration and faculty, the York Project was born. "I thought about the indignity York felt," Neal explained, "and I had to do everything possible to move the project forward"
Neal—along with fellow third-year law students Eric Hevenor, Sara Bagheri, and Matthew Abosedra—approached then-President Thomas Hochstettler, who immediately embraced the idea of recognizing York. He approved the formation of a project team and charged it with the task of building a memorial on campus.
The York Project began with one student and a question. It has gone on to become much more.


text: Back Breast Health Breast development occurs in distinct stages throughout a woman's life, first before birth, and again at puberty and during the childbearing years. Changes also occur to the breasts during menstruation and when a woman reaches menopause. Listed in the directory below you will find some additional information regarding breast health, for which we have provided a brief overview. Anatomy of the Breasts Normal Breast Development Three-Step Plan for Preventive Care How to Perform a Breast Self-Examination Mammography Frequently Asked Questions: Mammograms Common Breast Conditions Mastalgia (Breast Pain) Common Breast Lumps Fibrocystic Breast Changes Nipple Problems and Discharge Breast Infections and Inflammations Diagnosing Benign Breast Conditions


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Perhaps the single most important issue on the minds of retirees today is how to maximize income during their golden years. However, in this period of financial repression, this task seems as difficult as convincing Jack Sparrow to quit drinking. With interest rates at historic lows, yields are compressed, leaving many struggling. Even so, there are a few hidden treasures out there if you have the right map. In this article, we will look at creating the structure for an income stream, owning rental property, secrets of the Social Security system, reverse mortgages, qualified retirement plans and annuities. Let's begin with step one: Creating the structure.
Creating the Structure
There are two primary approaches to establishing an income stream during retirement. One involves the receipt of dividends and interest; and the other, the establishment of an income account. Both are quite common, and both have their benefits. With the dividend method, all income is derived from interest and dividends of stocks, bonds, REITs, etc., including funds. However, as the principal value fluctuates, so does the income stream.
In the income account method, cash and an individual bond ladder would be used. For instance, you would place one year's worth of income in a cash account and buy a laddered portfolio of bonds with maturities of one to five years. Depending on the size of the account, the interest from the ladder and dividends from the more growth-oriented portion of the portfolio could be used to maintain the cash account. Then, when the first bond matures, it would simply be rolled into a bond with a five-year maturity to maintain the ladder.
The length of the ladder would depend on the slope of the yield curve and the prospects for growth investments. The income account strategy is what many pension plans use to immunize their future income needs against a large drop in stock prices. In essence, if a large crash were to occur, the growth investments could be left untouched until they recover.
Rental Property
Rental property is often overlooked by advisors due to the strong emphasis placed on asset gathering. However, owning rental property can provide a significant source of income with great diversification benefits. Also, with depressed real estate prices today, high unemployment and a glut of housing inventory, there is significant opportunity here. There are basically two types of rental property: residential and commercial.
Residential. Rental property can provide a great source of income for individuals who enjoy being a landlord. For property to be classified as "residential rental property," more than 80% of its revenue must be derived from dwelling units (i.e., house or apartment).
One of the chief benefits associated with rental property is the ability to claim a depreciation deduction on your federal income tax return. Depreciation is a non-cash expense which reduces the value to approximate the wear and tear on a property. Property acquired after 1986 is subject to the modified accelerated cost recovery system (MACRS) and is depreciated over a 27.5 year recovery period.
Assume Bob bought a residential rental property valued at $250,000 on June 30. He must depreciate this property over a 27.5 year period and use the half-year convention when the recovery period begins. Each year, as Bob claims depreciation, his adjusted tax basis would be reduced by the amount of depreciation taken. Bob's depreciation benefit in the first year would be $4,545 (half of a full year). In the second year through the 27th, it would be $9,091. The final half-year depreciation would be $4,545 for a grand total of $245,455. At this point, his basis would have been reduced to $4,545. If Bob sold the property at that time for $500,000, he would be subject to tax on a gain of $495,455 ($500,000 – $4,545).
After 27.5 years, Bob would have exhausted his depreciation benefit. This would be a motivating factor to dispose of the property. If Bob could find someone with a similar property, they could trade. In this case, Bob would elect a 1031 exchange, which would delay the tax and start a new depreciation period. A 1031 exchange requires that Bob exchange his property with another property of "like kind." The specific nuances of this technique are beyond the scope of this article.
Using the above example, assume Bob put 20% down ($50,000) and financed the rest ($200,000) at a 5% rate for 15 years. His annual loan payment would be $19,268. If he rented it for $2,000 per month, Bob would report the income, but would be able to offset it by applying all allowable expenses incurred plus the amount of depreciation each year. The result is his net rental income (NRI). It's quite possible Bob could reduce his NRI to zero because of depreciation. His rental yield would be approximately 9.6%, which is calculated by dividing the total rent by the value of the property ($24,000/$250,000).
If the property grew at a 3% annual rate (not unrealistic from where we are today), it would be worth over $500,000 at the end of the recovery period. This would put Bob's total return over the period at more than 12%. If you, as the advisor, could add value to Bob's real estate endeavor through ongoing analysis, then a reasonable fee may be warranted.
Income from rental activity is considered passive income, and as a rule, only passive losses can be used to offset passive income. However, if you actively participated in a passive rental real estate activity, you may be able to claim up to $25,000 in losses each year to offset non-passive income. However, this is phased out as your MAGI exceeds $100,000. Unused passive losses can be carried forward to the following year.
Commercial. Commercial property is treated in similar fashion with one notable exception being the recovery period. Instead of 27.5 years, commercial rental property has a recovery period of 39 years. There is also a tremendous tax benefit available for commercial property called cost segregation, which allows for accelerated depreciation. I wrote a detailed article on this subject in the April 2008 issue of Investment Advisor magazine (see "Wedge Issue," Investment Advisor, April 2008).
Social Security
When Social Security began in 1935, the average life expectancy was much lower than it is today. Moreover, it was common for people to work until death as the concept of retirement was not yet entrenched in society. Because life expectancy is much longer today, and the expectation of a period of "golden years" is pervasive, the Social Security system is under great pressure to continue meeting its obligation. The Great Recession and lack of Congressional action has only exacerbated the problem.
Hidden within our massive tax code are some rather obscure provisions pertaining to Social Security that could help many taxpayers maximize their retirement benefits. The resulting strategies are: file and suspend; collect some now, more later; and retirement do-over.
File and Suspend. This works well if one spouse has substantially higher earnings than the other. Under this method, spouse A (the highest income earner) reaches normal retirement age (see Figure 1, page 61) and files for a retirement benefit. Then, spouse B files and collects a benefit based on spouse A's earnings. Spouse A would immediately suspend and delay his benefit until a later age, while spouse B continues to collect. Yes, you may collect a benefit on your spouse while he is alive.
Collect Some Now, More Later. This strategy works best with career couples. Spouse A reaches her NRA and files for a spousal benefit, delaying her own benefit until a later age (i.e., age 70). Then, at 70, spouse A files for her own benefit which is much higher.
Generally, a benefit that begins at NRA or sooner would have to grow at an annual rate of at least 8% to equal the benefit due by waiting until age 70. Because existing Social Security benefits increase with the rate of inflation, and since inflation is much lower than 8%, this strategy can provide a real income boost. However, you cannot do this until you reach your NRA.
Retirement Do-Over. Even if you are already receiving a Social Security retirement benefit, you can take advantage of this strategy. Let's assume spouse A began receiving Social Security at age 62 and is now 70. He can simply pay back the amount he's received, without penalty or interest, and start over with a higher benefit. Of course, spouse A would have to live a certain number of years to break even.
Defined benefit pension plans pay a monthly benefit based on a pre-determined formula. At decision time, prior to retirement, the employee must elect one of the available payout options such as life only, joint-and-survivor annuities, etc. One strategy to maximize the payout is to elect the life-only option, which pays the highest benefit, and replace the survivor's benefit with life insurance. To use this strategy, the retiree should be relatively healthy. Here's how it works: Assume the life-only option pays the retiree $2,000 per month and the joint-and-50% survivor annuity pays $1,600. If the joint-and-50% option was chosen, the survivor would receive $800 per month (50% of $1,600) at the death of the pension holder.
The relevant question is, "What lump sum is required to replace the $800 monthly benefit for an assumed number of years?" If the monthly premium is less than the difference in benefits ($2,000 – $800 = $1,200), it may make sense to maximize the initial payout and replace the survivor's benefit with life insurance. Here's another consideration: If the joint-and-50% option was selected and the couple deceased at the same time, or close to the same time, all benefits would cease. If the same event occurred and this strategy was in place, then the life insurance would pay out to the contingent beneficiary. It should also be mentioned that it's best to use a permanent policy since the date of death is uncertain.
Reverse Mortgages
TV commercials touting the benefits of reverse mortgages are flooding the airwaves. Are they really that good? A reverse mortgage is an agreement between you as the homeowner and an institution acting as the buyer. Just as the name implies, you are selling your home to the other party, so instead of paying a mortgage payment, you will receive one. In short, it is a method to generate an income stream based on a portion of your home's equity. You should be aware that these arrangements are typically more expensive than a traditional mortgage. To qualify, you must be at least 62 years of age, and, according to the IRS, this cannot be used with trailers.
Today is probably not the best time to enter into a reverse mortgage. Why? Because housing prices are depressed and interest rates are low. The result is that you will receive a lower monthly payment than if rates were high. This is a chief reason we are seeing such a deluge of reverse mortgage advertisements.
Qualified Retirement Plans
As most of you know, distributions from a qualified retirement plan or IRA prior to age 59.5 are subject to a 10% penalty plus income tax. However, if the distributions are in substantially equal installments, the penalty is waived.
There are three primary methods used to determine substantially equal periodic payments: the required minimum distribution method; the amortization method; and the annuitization method. Other methods may be available, but you would need a private letter ruling from the IRS.
Once you begin withdrawing, you must continue until age 59.5 or for five years, whichever is longer. You may also change your method one time, per Revenue Ruling 2002-62. Lastly, there are no penalties if your account is depleted before the required period ends.
You should consider dividing your IRA prior to making this election. By doing so, you will not encumber the remaining IRA assets. First, determine your desired payment. Then, using a 72(t) calculator, determine the lump sum needed to create this income stream. Finally, create a separate IRA with this amount.
Required Minimum Distribution (RMD). You must begin withdrawing from your retirement plan (excluding Roth IRAs) in the calendar year you turn age 70.5. Therefore, if you turn 70.5 prior to July 1, you must make your first RMD that same year. If your birthday falls after June 30, your first RMD is the following year. You may delay your first RMD until April 1 of the year following the year you turn age 70.5. However, if you delay, you will need to make a second withdrawal that same year. Here's one exception to the rule: If you work past age 70.5, you will not be required to withdraw from your 401(k), profit sharing or other defined contribution plan until you separate from service, no matter the age. No such exception exists for IRAs.
Failure to comply with the required minimum distribution will result in a 50% excise tax on the "under distributed" portion. For instance, if your RMD was $25,000 and you only withdrew $15,000, you would pay an excise tax of $5,000 ($10,000*50%).
There are two tables used to calculate the RMD: the Uniform Lifetime Table (ULT) and the Joint and Last Survivor Expectancy Table (JLSET). When the sole beneficiary is a spouse who is 10 years or more younger, the JLSET is used. Everyone else uses the ULT.
If you have multiple retirement accounts, you may aggregate their value as of Dec. 31 of the year proceeding the RMD year. Then, if you wish, you may withdraw the entire amount from one account, as long as the total RMD is met.
The RMD withdrawal percentage increases each year (see Figure 2, right). Therefore, the account should continue to grow until about age 83 when it will continue to decline as the withdrawal percentage becomes more dominant.
Although annuities come in many flavors, we'll focus on immediate annuities. In general, a traditional immediate annuity converts a lump sum into an income stream with guarantees. However, in today's low interest rate environment, you would be locking in a relatively low benefit. It would be best to do this when rates are high, not when they are low. The income stream is calculated based on an internal rate of return (IRR). Therefore, if you could earn more than the IRR, you should invest the funds yourself; otherwise, an annuity may be a suitable option.
In this era of financial repression, finding ways to maximize income has become a top-shelf issue. Until such time as interest rates rise and traditional CDs are back in vogue, today's retirees are forced to venture out of the box to find solutions. The moral? Don't venture too far out of the box. As the pirate Jack Sparrow would say … savvy?


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The Roxie Theater has launched a major festival, I WAKE UP DREAMING 2014, made up entirely of films from the Warner Archive. The poster uses a painting by the artist Mark Stock. I looked at the poster three times before I noticed the dead body in the foreground, rolled up in a rug.
The poster is attracting a lot of attention — people are buying it at the theater and also at roxie.com. The appeal is no doubt the painting itself, but there's also an element of memorial about it. Mark Stock died suddenly on March 26, following a fundraiser for the Roxie's festival. Below is a photo of Stock, taken about an hour before his death, standing next to the poster.
The festival runs through next Sunday.


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Hicks: Jessica Simpson is officially pregnant WITH PHOTO SLIDESHOW
Jessica Simpson is officially pregnant again.
She was probably pregnant before, but it wasn't official because she didn't tell us.
After much speculation, the singer admitted that she is pregnant via TwitPic, according to MSN. The photo shows Simpson's 7-month-old daughter, Maxwell Drew, sitting on sand with the words "BIG SIS" drawn out in front of her.
Simpson's pregnancy was first reported by Us Weekly last month.
Simpson announced her last pregnancy on Halloween 2011 on JessicaSimpson.com. She posted a photo of herself dressed up as a mummy holding her baby bump.
Get it? It's subtle but try to follow along.
Simpson is engaged to former 49ers tight end Eric Johnson.
Contact Tony Hicks at email@example.com or on Facebook at www.facebook.com/BayAreaNewsGroup.TonyHicks.


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Bharti AXA Life Insurance Company Ltd.Bharti AXA Life Insurance is a joint venture of Bharti, an India business group with interests in telecom, agri business, and retail, and AXA, a leader in financial protection and wealth management.
Bharti has 74 per cent stake, with AXA taking the remaining 26 per cent. The company began its operations in December 2006 with offices in over 12 states. The company has its headquarters in Mumbai, India.
The company has life insurance policies and pension plans for individuals as well as groups.
4 Insurance product available


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Abstract and Keywords
Social work advocacy is "the exclusive and mutual representation of a client(s) or a cause in a forum, attempting to systematically influence decision-making in an unjust or unresponsive system(s)." Advocacy was identified as a professional role as far back as 1887, and social workers consider client advocacy an ethical responsibility. Social workers are increasing the use of electronic advocacy to influence client issues and policy development. As client and societal needs evolve, universities should emphasize advocacy in their curricula, and the National Association of Social Workers should promote electoral and legislative initiatives that reflect an emphasis on social and economic injustices.
Keywords: advocacy, influence, policy practice, social action, representation, social justice, online advocacy
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Young Scooter drops off a new single titled "Fake Gold" despite currently serving time for a probation violation. This one will appear on his upcoming mixtape Street Lottery 2.
Download: Young Scooter – Fake Gold
by Kyle Updated
Young Scooter drops off a new single titled "Fake Gold" despite currently serving time for a probation violation. This one will appear on his upcoming mixtape Street Lottery 2.
Download: Young Scooter – Fake Gold
Young Scooter, Yung Bans & Gunna "New Hunnids"
Freebandz member Young Scooter connects with Yung Bans and Gunna for a new track titled "New Hunnids." This one is all about getting paid…
Young Scooter "Trippple Cross" (Feat. Future & Young Thug) (Official Music Video)
Young Scooter revisits his Trippple Cross project with an official music video for the title track which features Future and Young Thug. Stream the…
Young Scooter "Trippple Cross" (Album Stream)
Young Scooter releases his latest project Trippple Cross. The album consists of 14 records with features from Future, Young Thug, Casino and more. Stream…
Young Scooter "Bail Out" (Feat. YoungBoy Never Broke Again)
After dropping "Trippple Cross" featuring Future and Young Thug last week, Young Scooter releases "Bail Out" with NBA YoungBoy. This will land on his…
Young Scooter "Trippple Cross" (Feat. Future & Young Thug)
Young Scooter is gearing up to release his new album, Trippple Cross. The project features collaborations with NBA Youngboy, Casino, and of course Future…
Young Scooter "Trippple Cross" Album Cover & Tracklist Revealed
Young Scooter has revealed the artwork and tracklist for his upcoming album Trippple Cross. The project contains 14 records with features from Future, Young…
Fredo Santana "I Need More" (Feat. Young Scooter) (Official Music Video)
To honor the late Fredo Santana who passed away yesterday, World Star Hip Hop drops a previously unreleased music video from the Chicago rapper….
Young Scooter "Jugg King" (Official Music Video)
Young Scooter drops off the official music video for his latest album's title track. Take a listen to the full album Jugg King here….
Young Scooter – Jugg King (Mixtape)
The self-proclaimed jugg king, Young Scooter, makes his presence felt with a new mixtape. Jugg King holds 14 new songs with features from Future,…
Young Scooter – Cook Up (Feat. Young Thug) (Prod. By Metro Boomin & Zaytoven)
Young Scooter releases a new collaboration with Young Thug titled "Cook Up", produced by Metro Boomin and Zaytoven. The record will appear on his…
Young Thug – Guwop (Feat. Quavo, Offset & Young Scooter) (Official Music Video)
Young Thug keeps the visuals for Jeffery coming with a GLP directed clip for "Guwop". The song features Quavo, Offset, and Young Scooter. Thugger's…
Young Scooter – Count Up (Feat. Young Dolph)
Young Scooter and Young Dolph get straight to the money on their new collaboration "Count Up".
Ralo – Survivor (Feat. Young Scooter)
Ralo and Young Scooter are hard at work on a new collaborative effort titled The Dream Team. The project is due on May 27th….
Young Scooter – Street Lottery 3 (Mixtape)
Young Scooter liberates his Street Lottery 3 mixtape hosted by DJ Swamp Izzo. The project contains 16 tracks featuring Future, Young Thug, Kodak Black,…
Young Scooter – Made It Out The Hood (Feat. Kodak Black)
Young Scooter is set to release his long delayed project Street Lottery 3 on April 27th and today he liberates a new collaboration with…
Young Scooter – Real (Feat. Young Dolph)
Young Scooter teams up with Young Dolph for a new record titled "Real". This will serve as the first single from his upcoming mixtape…
Future "Perkies" (Produced by Metro Boomin)
Debonair Brown "Embrace It" (Official Music Video)
A Boogie Wit da Hoodie "Reply" (Feat. Lil Uzi Vert)
Future "Last Name" (Feat. Lil Durk)
Lil Peep "Everybody's Everything" (Album Stream)
Tory Lanez "Chixtape 5" (Album Stream)
Kanye West "Jesus Is King" (Album Stream)
Kirill & Jaco "Hublot" (Official Music Video)
Lil X "New Kid on the Block" (Album Stream)


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TVS NTORQ 125 On Road Price in Baran
TVS NTORQ 125 Price in Baran
|Ex-Showroom Price
|NTORQ 125 Drum BS6
|Rs. 75,042
|NTORQ 125 Disc BS6
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On Road Price of TVS NTORQ 125 in BaranChange
Drum BS6 Ex-Showroom PriceBaran Rs. 75,042
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Race Edition BS6 Ex-Showroom PriceBaran Rs. 82,622
Super Squad Edition Ex-Showroom PriceBaran Rs. 85,122
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- TVS NTORQ 125 features 100/80-12 tyre at the front and 110/80-12 tyre at the rear. For the availability and prices of the spare parts, we'd suggest you to connect with the nearest authorized service center. Click on the link and select your desired city for service centers.
- Insurances can be of different types and to be able to ride your TVS Ntorq 125 legally on the Indian roads, you must have a third party bike insurance policy. It is mandatory as per the Indian Motor Tariff to have one and hence, you can be punished in case you ride without it. With the purchase, it is mandated to get insurance for five years in case of a two-wheeler. Moreover, to know about the insurance charges and different plans we would suggest you to have a word with the nearest dealership as they have a separate department for this where you will get the complete details. You can click on the following link to see the details of the nearest dealership and selecting your city accordingly - Bike Showrooms.
- For that, we would suggest you to connect with the authorized service center personnel as they would be able to assist you better in this matter. Depending on the level of damage, they would assist you whether to claim insurance or not. Follow the link for service centers.
- It depends upon the place from where you're going to exchange. Ask your dealers
- I think that you should not wait for bs 6.And among these three the best choice is tvs n torq
- Ntorq if you want to buy now. The race edition.
- Ntorq
- Guys stop pretending like it's not an issue at all...!!! we are paying for a good vehicle, yall know that it's really damn embarrassing to buy a premium vehicle for such a price range and it has some serious issues like self start not working, kick start is also almost the same..!!! TVS has lost its value on my preference..! Service centers are literally s rude if it's a TVS Ntorq vehicle..!! stop pretending like the vehicle is good, in fact, it is just a piece of shit..!!!!I will never recommend TVS anymore to anyone..! mine is just 2000km and the vehicle has Self-start issues like 10year old one..!! like seriouslyjQuery22400036440080958923815_1602075459947?? TVS has to pay for its cheat and fraud on Indian consumers..!!
- Best thing is to contact your TVS dealer and the financing agency. One more unwanted suggestion from my end is that the new Ntorq has been launched with mere cosmetic changes. Everything else, silhouette, bodywork, chassis, engine, transmission and of course, performance is just the same. Rethink over the matter. If I were you, I would never have exchanged for the sake of some stickers and an LED headlamp
- Yes you can exchange your old tvs ntorq to new 2019 tvs ntorq in any showroom of your city and you can continue your emi...
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TVS NTORQ 125 User Reviews
+ 2 more
Maintenance Cost3.8/5
Features & Styling4.6/5
Preferred For : Daily Commute
48% of users have given a rating of 4.5 and above
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You don't like it until you like it.
first of fall...i like the design....an cut.. right... plush... feature good..and the ride...... perfect...
Well performance with out any problems occurs till now and good in condition maintenance cost is very less and millage will be good
Excellent performance with this bike and more comfortable bike.It's really greater than the other scooters.
Best scooter of the 2021 SUPER experince my ntorq 125 cc farfect ride and longh darive my life is 1st scooter( ntorq ) ride is the good felingh
I am 6.2 height from Bangalore, For TVS Ntorq( I'll refer this as bike hereafter), I have altered bike seat to match my height, bike balance is really good after seat alteration, Mileage in city for my rough ride (30-100kmph speeds)used to get around 35kmpl. when I travel to my hometown, I got mileage around (30kmpl) when I ride @105 kmph, 42 kmpl mileage with average speed of 75 kmph & when I ride in economy like 55 kmph, i got 55 kmpl mileage. So, Mileage depends on how much speed I ride. My ride is for 200 KMS for my home town, went around 4 times to my hometown town, I never stopped my bike until I reached home, I usually fill shell power petrol when I ride long distances, I'll suggest it to everyone otherwise bike will be heated up with normal petrol.I bought my bike in EMI without knowing which financier to choose, simply went through the Showroom peoples choice & didn't knew who is financing my bike until my bike got delivered to me ,though it is not a bad choice, I believe we must be knowing that minimum information to compare if we had any better choices in financing our bike.TVS Service is really good, costed me around 1100 rupees for first 4 free services with oil change 2 times, this is best compared to other Brands.Bike not punctured even once.my daily commute is for 10 KMS a day with up and down to office usually takes 10 minutes to reach.Accessories I have bought guards for 2000 rupees, which I regret,I think there's no need of them, it really spoils the bike look. If you want to buy, then buy black color one, don't go for steel color.I have bought a new bolt & nut, cost 10 rupees for exhaust/ silencer when I missed them while riding due to bike rubbling except that I never spent any other money other than petrol.Bike is awesome for it's Torque & power, I felt like no bike can compete with this NTorq.Instrument cluster is also very useful & is not available with others in this range.So, go for itIn a year, ride is 7500 KMS and it is great that this bike is up to my expectations
I think the NTorq is the best 125cc scooter in the Indian market. It's a perfect balance between the conventional 'going to buy sth' scooter experience and performance-oriented motoscooter segment. It can do jobs of both worlds. I'm getting a decent mileage of 40-45 kmpl which is not bad and is compensated by it's unique design n look. The performance is great, churns out 9.4 PS of power and can easily reach speeds of 90kmph. It can touch the magic 100 too. The torque provided by the motor is amazing. Overtakes are pretty easy. Rider comfort is great. The suspension is stiffer than the Activa or Access but it's not as stiff as Aprilia. It handles the roughness of Indian roads with ease. The pillion experience is better than any other scooter in the market. It's a fun scooter, easy to maneuver and park. Don't get me started on the first in segment bluetooth connectivity. It's really helpful (atleast to boast about). The navigation works like a charm. It shows the last parked location making it easier to search your ntorq among the crowd. Talking about the underseat storage, it has 22 ltrs of boot space but it's design makes it difficult to fit a full-faced helmet. You can fit a modular helmet just fine. The 12 inch tyres provide a great grip, even in the rain. The front disc provides a good bite but the rear drum doesn't do the job well. You get performance and comfort in a single package. Lastly, the quality of the switches is top notch (just TVS things). Now the maintenance and service center efficiency varies from place to place. In Bhubaneswar, it's time taking but satisfactory service.
I bought a new scooty of the month of july 13. After some time, there was a mild sound in Scooty. After which I took Scooty to the service center. Whose information I had given to the service center during the first service. After 1 week of service suddenly this noise increased. After that, I called the service center again andtold them all the problems. They asked us to bring a scooty service center. The next morning, while going to the service center, Scootystopped on the road (that can be the cause of accidents because a truck coming from the backside.We survived that day) After which I all them and they took Scooty to the service center. Where it turns out that Scooty's engine has a problem (manufacturing defects). Which he talked about fixing(September 14). So Now wefear to repeat it again. I already report to TVS customer care they give me 48 hours to call from there technical team but it's more the 3 days no phone call. and no respond of mail.
I'm shakkir cp , daily user (6000km) Using race edition before I buy I hoped tvs solved all the problem of 1st model but still the problems there .I know this is the best performer and stability with handling.Poor build quality and comfort OK. After 3rd service claimed 37km/L before 41km/L Handle position is not good making pain to hand handle bar changed 2times and fine . next vibration, higher initial vibration in the scooter segment Normally the problem starting after 15000 km with normal ride Here started 2500km after clutch greasing problem not solved.2nd type vibration facing economy speed (40-55km)and the problem mentioned 3rd service but not solved .Next one common issue starting problem want to hold 4or5 sec self to start and using kicker after 24 kick to start Service response not good ,not bad.All is manufacturing defect.TVS still not solving any issue I don't know why?
Long Term Review :Using it since October :Pros :1) Performance : Best in segment, no vibrations, stable and smooth throttle response.2) Exhaust : Stands out from the crowd with its bassy sound.3) Design : Looks Ultra Modern and has huge road presence.4) Utility : 22L bootspace, Front Hangers, LED DRLs, Out of the seat petrol inlet, this is a real practical scooter.5) Console : Instrument Cluster is way ahead of its class infact its similar to the one on Apache 200 4V. It has Bluetooth connectivity and GPS support.6) Tyres : With 12 inch alloy wheels and thickness same as that of Apache 160 tyres are beefy and sporty.7) Braking : Braking is confidence inspiring due to SBS and Disc.Cons :1) Mileage : I drive in congested areas of Delhi with huge traffic and I get around 30 kmpl, on City Roads and highways expect a mileage of 40+.
Calculate TVS NTORQ 125 EMI
TVS NTORQ 125 News Updates
Marvel-lous TVS NTorq 125 Gets Superhero ColoursOct 20, 2020 | By Team ZigWheels
BREAKING: A Fresh Set Of Clothes For The TVS NTorqAug 10, 2020 | By Team ZigWheels
TVS Once Again Hikes NTorq 125 PricesAug 4, 2020 | By Team ZigWheels
How Does The Honda Grazia 125 BS6 Fare Against Its Rivals?Jun 25, 2020 | By Team ZigWheels
TVS NTorq 125 BS6 Is As Powerful As The BS4 Version!Mar 13, 2020 | By Team ZigWheels
EXCLUSIVE: TVS NTorq 125 BS6 Prices Are Out!Feb 12, 2020 | By Team ZigWheels
TVS NTORQ Price FAQs
What is the insurance cost of the TVS NTORQ in Baran?
The insurance cost of the base variant of TVS NTORQ in Baran is Rs. 5,827.
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'Call Me Maybe' Mashup of 75 Videos Will Haunt You
Carly Rae Jepsen's catchy "Call Me Maybe" continues to win over the hearts of countless Internet music lovers, topping Billboard's Digital Songs chart this week and the iTunes Store singles chart last week.
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Of course, the mashup also stars Harvard University's baseball players and Southern Methodist Univeristy's female rowing team (see their viral dance renditions below).
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Tasha Bryant-Willis joined OhioLINK on July 7th as Coordinator, Member and User Services. This position works closely with the Manager of Member and User Services to coordinate member relations, which includes facilitating cooperation among OhioLINK's 91 member libraries and six active committees, executing communication and marketing strategy in collaboration with the Ohio Technology Consortium, and providing technical support for OhioLINK core services. Tasha will assume responsibility for OhioLINK's ticketing system and be the first point of contact for membership.
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|Version 23 (modified by gogo, 16 years ago) (diff)
19-Feb-05 - General cleanup of unnecessary files, and a new unified example were committed to the SVN. I also added an automatic "nightly" package. 18-Feb-05 - Some anonymous nobody screwed up some of the wikis. Last warning people, if the wiki gets screwed up again it will be locked down to authorized Trac users only. 14-Feb-05 - SVN choked up this morning for some reason. If it happens again (the timeline and browse source links above won't work) please let me know - james@…. 13-Feb-05 - Various changes have been committed to the SVN. Checkout the SVN or browse the changes online. 12-Feb-05 - Xinha is live!
Xinha (pronounced like the Warrior Princess) stands for "Xinha is not htmlarea". It began as a stop-gap fork of the InteractiveTools.Com htmlArea WYSIWYG editor, but due to popular demand it has spawned into Xinha, a generally better version of htmlArea version 3, with a much cooler name. See the Examples to have a play with the latest release of Xinha.
Further Information
- Differences? between Xinha and htmlArea.
- Compatability? between Xinha and htmlArea.
- Plugins? available for/supplied with Xinha.
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- A response to some criticism from InteractiveTools.com?.
What is this Website?
This website is produced with a system called "Trac" which combines this Wiki, a Subversion interface, and a bug tracking/ticket system. This is the first port of call for Xinha developers and users alike.
The Wiki is open, but it won't stay that way if you abuse it'''
Note: If this site seems a bit slow, it's because it's running on the lead developers workstation for the time being. I'll move it somewhere more capable when everything is stable :)
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See the DownloadsPage.
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Yes, here it is. Please don't post bug reports, feature requests or patches in the forum, use the Ticket System for that so we can track them more efficiently.
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Do you know Javascript, are you willing to learn? Then checkout a working copy and get hacking that code! Check the tickets for feature requests that you could implement, reported bugs that you could fix. When you've got something worth contributing back to Xinha, just send it on along. Regular and proven contributors will get SVN commit access!
This is one of the main reasons Xinha split from htmlArea, the htmlArea development was not open to fair and equal participation by all developers. Xinha is different, we are a group of developers trying to produce the best WYSIWYG HTML Editor available.
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In findings sure to give comfort to RIA custodians and those broker-dealers who facilitate their reps' own RIAs (or use of the BD's corporate RIA), Cerulli Associates predicts that independent and dually registered RIAs will account for 26% of all retail advisory assets by the end of 2016. But the much-vaunted movement of employee brokers to the channel is only part of the story.
Kenton Shirk, associate director at Cerulli, says in the statement accompanying Cerulli's RIA Marketplace 2013 study that RIA growth "has been so strong that it cannot solely be attributed to advisors choosing the independent business model." Rather, he suggests that "clients have also increasingly been choosing to hold their assets with an independent advisor" as a consequence of the 2008-2009 financial crisis, which led to a loss of client trust in the "big banks."
Looking at the data for 2012, Cerulli reports that the dually registered — those with an independent broker-dealer affiliation who either run their own RIA or use the BD's — had 21.5% asset growth, nearly doubling the 11.5% asset growth rate reported by fully independent RIAs. Despite that heady growth, independent RIAs still had the lead over their dually registered brethren in total assets: $1.6 trillion for RIAs and $1.1 trillion for the dually registered.
Part of the growth in the dually registered segment can be attributed to increased recruiting of brokers into established independent practices. Cerulli notes that from 2007 to 2012, the average number of advisors per dually registered firm has increased from 2.6 to 5.4, while totally independent RIAs' average advisor count per firm has risen from 2.3 to only 2.5.
Cerulli predicts that RIAs and the dually registered will continue to gain market share at the expense of the employee brokerage firms as advisors "seek greater independence and the potential for higher long-term remuneration." While that growth might seem to augur well for independent broker-dealers, Cerulli warns that most of the dually registereds' "wealth management AUM is generally managed under the firm's RIA," which thus "limits revenue for the IBD." So it recommends that IBDs differentiate themselves through product and service offerings to "solve complex clients' needs, such as retirement income."
Citing its own proprietary research, Cerulli dived deeper into what clients want and expect from their advisors. For example, the report says that when investors were asked if it was "important that their advisor is 'legally obligated to act in your best interest,' 76% agreed, 21% were not sure, and just 2% indicated such a requirement was not important to them."
As for product usage among RIAs, Cerulli compiled data from multiple sources to conclude that usage of ETFs has grown at a 26.5% rate annually from 2007-2012, accounting for $170 billion, or 7.4%, of the RIA channel's total assets. In addition, 49% of RIA respondents said they were interested in adding ETFs to client portfolios. Among other product categories, those RIAs surveyed also indicated interest in adding equity products (30%), alternative or commodity (29%) funds and real estate investment trusts (21%).
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