text:
Commentary: New Zealand's biggest move on climate change to date involves banks
Including mandatory climate risk disclosures will ultimately help consumers make better decisions about where their money goes, says this observer.
FILE PHOTO: Smoke billows from a fire in an area of the Amazon rainforest near Porto Velho, Rondonia State, Brazil, September 10, 2019. REUTERS/Bruno Kelly
Ivan Diaz-Rainey
23 Sep 2020 06:05AM (Updated: 04 May 2021 04:19PM)
OTAGO, NEW ZEALAND: Last week's announcement of mandatory disclosures of climate-related risks for companies and financial institutions is arguably the New Zealand government's most significant climate policy — even more so than the Zero Carbon Act itself.
The new policy will come into effect in 2023. It requires all banks, asset managers and insurance companies with more than NZ$1 billion (US$665 million) in assets to disclose their climate risks, in line with the emerging global standard from the Task Force on Climate-related Financial Disclosures (TCFD).
This is a smart move, as it ties risk disclosure to international best practice, which is likely to evolve in the coming years.
There will be a collective gulp in bank boards and company risk management departments of the roughly 200 affected entities, but initiatives such as the Aotearoa Circle Sustainable Finance Forum show a growing proportion of the financial sector understands climate risk disclosures are necessary.
I have criticised this government's climate policy in the past for being big on promise but short on concrete policies. But this financial disclosure policy has some real teeth.
New Zealand's Prime Minister Jacinda Ardern holds a news conference on the sidelines during the 2019 United Nations Climate Action Summit at U.N. headquarters in New York City, New York, U.S., September 23, 2019. REUTERS/Yana Paskova
BANKING ON A BRIGHTER FUTURE
New Zealand has a bank-based financial system. This means banks — rather than the stock or bond markets — are the primary source of finance for companies.
New Zealand's Exchange (NZX) has a market capitalisation of around NZ$170 billion, while the four big New Zealand banks (all subsidiaries of Australian banks) have assets, consisting largely of loans, of around NZ$500 billion.
Including banks and insurance companies in the new mandatory disclosure rules means the whole of the economy will be seen through a climate risk lens, not just large companies listed on the stock market.
Banks will need to think seriously about transition, physical and liability risk when lending and offering insurance to households and small and medium size enterprises (SMEs).
READ: Climate change pushes investors to take their temperature
READ: Commentary: Flights to nowhere raise bigger questions about Singapore Airlines' future
This matters most to domestic real estate, by far the largest item on the balance sheet of New Zealand banks, and agricultural and small businesses more generally.
It would be unreasonable to ask SMEs and households to disclose climate risks, so the task is being delegated to banks and insurers.
Figuring out what climate risks lie within banks is not a simple task. Banks will need to scale up their ability to estimate flooding risk from extreme rain, storms and sea level rise on residential housing.
New Zealand's emissions profile is dominated by agricultural emissions. Banks will need to evaluate whether future loan applications for dairy intensification are consistent with the Paris Agreement, or if those farm loans might become stranded assets through future regulatory changes, such as the eventual entry of agriculture into New Zealand's Emissions Trading Scheme.
HOW WILL FOREIGN BANKS RESPOND
The policy could cause some interesting spillover effects for other countries. Around 20 per cent of ANZ Banking Group assets are from its ANZ New Zealand subsidiary.
Might this force greater disclosure by the Australian parent?
Or will banks try to wriggle out of New Zealand's disclosure requirements through "foreign exempt issuers status"?
The latter seems improbable, since the policy explicitly mentions banks with more than NZ$1 billion in assets. This threshold could cover 13 banks registered in New Zealand. It will be interesting to see how large international banks such as the Bank of China, which has a "small" presence in New Zealand, will respond.
READ: Commentary: When our insatiable appetite for data can harm the environment too
LISTEN: Making money greener in the fight against climate change
The policy will also mean the half of NZX-listed companies currently not disclosing greenhouse gas emissions will have to do so. Our recent study reveals substantial climate transition risks for a number of listed companies.
Our research shows it is generally smaller and less profitable firms which do not disclose climate risks.
FILE PHOTO: Cattle feed in a field on the South Island, New Zealand March 29, 2016. REUTERS/Henning Gloystein/File Photo
Having all listed firms disclose will level the playing field. Importantly, it will allow investment managers (who also need to disclose their climate risks) to overcome past issues of insufficient data to create genuinely climate-friendly investment products.
The task of independent monitoring, reporting and enforcement of the rules will fall to the financial regulator, the Financial Markets Authority.
Reporting by the 200 or so affected entities will be on a "report or explain basis". But companies with significant risks that choose the explain option will be disciplined by the market and potentially by the authority.
Disclosure will increase and companies, investment managers, insurers and banks will be comparable on a like-for-like basis — finally allowing consumers to make fully informed decisions about where their money goes.
These new rules will unleash the market and drive it in a more climate-friendly direction — beginning the long process of delivering a genuinely sustainable financial system.
Ivan Diaz-Rainey is an Associate Professor of Finance at the University of Otago and the Director of Climate and Energy Finance Group. This commentary first appeared in The Conversation.
Source: CNA/cr
climate change New Zealand finance sustainability


sound of her voice, the conditioning cannot be undone.
practice out of her South Beach studio? 300, 400? 500 dollars?
invitation to "Madame Zoey's Hypnosis Show", you couldn't helped but chuckle.
motionless and mindless, on display as Zoey's word's mold your mind to her liking.
ladies in the audience, the show has barely began.
resist no longer, you close your eyes and fall under Zoey's hypnosis once again.
auctioning off the shows participants to the ladies in audience.
will be conditioning session, for the next hour, you will be totally brainwashed.
Hypnotist Rebecca and Kelly recaptured a hypnoslave.


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Q: How to select shortest GPS coordinate according to given condition? I have table GPS_tbl in mysql database my_db. In GPS_tbl there are five columns 1)uid 2)latitude 3)longitude 4)regid 5)status. In column 5)status there are two types of values are stored as varchar one is free and other is move. What i am doing right now is when user send his/her gps coordinates in terms of latitude and longitude through POST(), so to select the shortest coordinate from columns 2)latitude 3)longitude  i am using Pythagorean theorem so by using this i compare these user sent coordinate with already stored coordinates in columns 2)latitude 3)longitude and select the 4)regid against it. Now what i want is only select that 4)regid against shortest coordinate from 2)latitude 3)longitude whose 5)status value is free.
At the moment i am using this query, which is only selecting 4)regid against shortest coordinate and not taking care of status value:
$result = mysql_query("SELECT regid, sqrt(latitude-$lati)+sqrt(longitude-$longi) AS SQRT_DIST FROM GPS_tbl ORDER BY SQRT_DIST limit 1");

GPS_tbl
+--------------+------------+-------------+-------------+-------------+
|     uid      | latitude   | longitude   |   regid     |   status    |
+--------------+------------+-------------+-------------+-------------+
|      1       |  73.3433   |  18.5223    |APA91W-ClDoS |   move      |
|              |            |             |             |             |
+--- ----------+------------+-------------+-------------+-------------+
|      2       |  43.3433   |  24.5523    |BON91W-ClDoS |   free      |
|              |            |             |             |             |
+--- ----------+------------+-------------+-------------+-------------+
|      3       |  55.3433   |  37.5323    |WCD71P-ClDoS |   free      |
|              |            |             |             |             |
+--- ----------+------------+-------------+-------------+-------------+
|      4       |  65.3433   |  47.5323    |ZCF71D-ClDoS |   move      |
|              |            |             |             |             |
+--- ----------+------------+-------------+-------------+-------------+
|      5       |  85.3433   |  27.5323    |XVD73A-ClDoS |   free      |
|              |            |             |             |             |
+--- ----------+------------+-------------+-------------+-------------+

A: The Pythagorean distance between two points is calculated by:
distance = sqrt( (x1-x0)^2 + (y1-y0)^2 )

That's  not what your query is calculating:
SELECT regid, sqrt(latitude-$lati)+sqrt(longitude-$longi) AS SQRT_DIST FROM GPS_tbl ORDER BY SQRT_DIST limit 1

You've got the square root of two values added together, not the square root of the sum. Try this instead:
SELECT regid, sqrt( (latitude-$lati)*(latitude-$lati) +(longitude-$longi)*(longitude-$longi) ) AS SQRT_DIST FROM GPS_tbl ORDER BY SQRT_DIST limit 1

Now, a couple of things.

*

*This distance calculation is an adequate approximation if the distance between the two points is small, but once you get into larger values, it will get farther and farther from the true value. Why? Because the surface of the earth is the surface of a sphere, not a plane. To calculate the correct value, google "Great Circle Distance"

*Somebody else will probably mention this, but here goes 1) don't use mysql_ functions: they're deprecated; and 2) your code is vulnerable to SQL injection attacks.

redpajama_set_name: RedPajamaStackExchange


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Chuck Jones made his feature-length debut with this animated tale about Milo, a young boy who travels to a strange world where numbers are at war with letters.
The youthful viewer and his parents should overlook Phantom Tollbooth's flaws and concentrate on the film's underlying moral.
It's not one that I'll probably ever watch again... [but] It was a fun one to finally explore.
More would have been acheived without the inclusion of the sappy pop songs, but the film still has infinitely more savvy than most of the Disney cartoons of the period.
[The film] has some wonderful ideas, but they're likely to be a bit above the heads of very young children. The rest should enjoy it, especially the bits with the great Mel Blanc, Toonville's greatest-ever voice.
This fine adaptation of the children's book by Norton Juster was Chuck Jones's and MGM's first animated feature.
The animation is clean, with enough pop to do Dictionopolis-and-company justice.
Clever artistry fails to convey the book's depth.
Now this feature length animated film is a real blast down memory lane, in fact I'm confident many won't have even heard of this. The film is an adaptation of another classic children's book of the same name by Norton Juster and very much along the same lines as 'Alice in Wonderland' or 'The Wizard of Oz'. In fact you could say all three stories are a trilogy of uber classic fantasy tales but like I said I don't think many folk have heard of this one. This cutesy little tale follows Milo, a young schoolboy, with a drab boring life...or so he thinks. One day after school he starts chatting on the phone to his friend about how dull life is when a strange box appears in his room. This box speaks to Milo and eventually reveals itself to be a tollbooth, a tollbooth that apparently leads into another world. Reluctantly Milo decides to venture through the booth and winds up in a surreal yet colourful world inhabited by odd creatures and wacky people. Milo is soon lead on an adventure to save a couple Princesses from a strange castle in the sky along with a few companions he meets along the way. Produced by the legendary Chuck Jones who was at the peak of his greatness coming off a string of massively successful Looney Tune cartoon shorts and 'Tom & Jerry' (amongst other things). Watching the movie you can clearly see Jones influence on the overall visuals with many backgrounds and structural designs being highly reminiscent of his Looney Tunes work. Not only that but a few of the characters look a bit familiar too, almost a little too familiar, even going so far as to throw in the same ideas from his back catalog. For example the character of Chroma the conductor not only looks like a chubby conductor from the Bugs Bunny cartoon 'Long-Haired Hare', but at times their facial expressions are identical also (I think it was that Looney Tunes toon). Speaking of Bugs Bunny its no great shock to find that the awesome Mel Blanc was also utilised here too. He provides voices for three characters in the film and its pretty easy to work out who they are because they all kinda sound like Bugs Bunny. Most of the other characters are voiced by people I don't know admittedly (very different era), but the lead character of Milo is portrayed by Butch 'Eddie Munster' Patrick in the live action sequences and voiced by him in the animated sequences. The film is bookended by live action sequences in the real world, the present day (1970's San Francisco). At the start we see Milo moping around until the tollbooth pops up. This is a very brief yet highly enjoyable sequence as we see Milo leaving school and travelling home through urban Frisco. The scenery is really lovely and just shows how pleasant Frisco would have been to live in at that time...at least for me being a Brit. The sequence where Milo meets the tollbooth is also really great fun and always got me excited as a child. Its so very charming and adorable plus it really captures the moment perfectly with some really neat effects and those wholesome vivid 60's visuals which always look so good. There is another great little moment where Milo discovers he appears in cartoon form once crossing the tollbooth barrier which is typically Chuck Jones, again its simple but effective. From there on as Milo goes through the tollbooth the film crosses over into full animation and doesn't go back to live action until Milo comes back across the barrier. This isn't just any old silly fantasy filled with monsters and heroes oh no, like the source material its actually very smart. The reason being because everything within the 'Kingdom of Wisdom' is a play on words...puns, idioms and metaphors galore. Most of the characters and evil creatures are named by simple word plays or puns such as The Spelling Bee which is a bee that has a large extended vocabulary, Dr. Kakofonous A. Discord who likes to make loud noises and unpleasant sounds or The Terrible Trivium, a demon that lives in the mountains of ignorance and wastes your time with trivial meaningless tasks. The same goes for various locations like the Doldrums where all the slimy lifeless creatures live in a constant state of inactivity, tiredness and depression and their surroundings are swamp-like, murky and colourless. Some characters are more normal looking but all appear to be for educational purposes I guess, yet they all still have there clever amusing quirks. King Azaz the Unabridged who rules Dictionopolis (words) for instance...you get it? Or his brother The Mathemagician and ruler of Digitopolis (numbers). Together they both battle and argue over what is more important in life...words or numbers. I especially liked King Azaz's advisors...the Duke of Definition, Minister of Meaning, Count of Connotation, Earl of Essence and the Undersecretary of Understanding...all of whom looked exactly the same. Its not just the characters and locations either, the dialog is top heavy with the same kind of wit also. Such as Milo enjoying a feast with King Azaz where they all tuck in and eat their own words. The visuals are passable by today's standards but a little sketchy admittedly, its nice to see hand drawn animation and its all very Chuck Jones. The similarity to the classic Warner Bros. Looney Tunes visual style assists for sure but its still not the same quality and way behind the likes of Disney. I must also add that the film can be a little scary in places I think...for younger kids. The monsters towards the end are quite horrendous looking considering its aimed at kids, plus the animation style used for them adds to the scare factor. The Terrible Trivium always did give me goosebumps when I was young with his emotionless faceless mannequin-like head. Whilst the plot is rather mundane (saving two Princesses from some generic evil) its the witty dialog and visuals that make things interesting. Whilst the story holds all the magic and wonder that will enthrall kids of various ages it will also teach them a bit about Maths and English...maybe. At the same time its also a solid watch for adults too with its word trickery, it would take many viewings for kids to grasp everything they see, if they can look beyond the colourful creations on display. I tend to think of this as a poor man's 'The Sword in the Stone' (Disney)...a touch of music, a dabble of fear and a wheelbarrow full of imagination.
Great Chuck Jones animation. His style is unmistakable; with each character's wide-eyes. The colors are rich and the backgrounds are beautiful. The princesses could've been detailed a bit better however. The story is a bit abstract and fanciful. The live action scenes with Butch Patrick in 1970's San Francisco are neato. The songs are catchy. An underrated fantasy cartoon which needs a proper DVD release.
A fun and seriously underrrated kids classic you've never heard of. Chuck Jones' animation is great and the story is in that category of late 60s out there. Unfortunately it would probably be lost on today's generation of kids but as much as I can't stand remakes, I'd love to see this story get a modern treatment. I also loved the dog and the Sergio Mendez-like soundtrack. The Phantom Tollbooth is dated as hell but if nothing else the adults might get a kick out of it.
This was an enjoyable movie largely because the source material was so good. Instead of focusing on trash like Hancock 2 and Star Trek and Watchmen, why not remake this underrated jewel? Granted, this is not a bad movie, but save a few cute scenes nothing new is really brought to the table. Nothing was really visually SPLENDID. I could REALLY see some sparks flying under Spike Jonze or Tim Burton.
Voices Of: My angles are many and my sides are not few, I'm the dodecahedron and Who are You?


Teenaged girls are the only ones likely to care for this modern day retelling of Beauty and the Beast. That's your disclaimer. For those of us who have discerning tastes, the film is mediocre at best, but I imagine the teen demographic will find the movie charming.
Alex Pettyfer stars as Kyle, an unbelievably narcissistic and self absorbed high school student who eschews those who have the misfortune of not being good looking enough for his liking. Looks, money, and popularity are the things he deems most important in life. He's a wretched human being suffering from a massive case of entitlement.
When we meet his father (played by Peter Krause), we see why Kyle has such shallow values. Dad is a preening news anchor with a bluetooth glued to his ear at all times. He has preached the gospel of good looks during Kyle's entire life. The stagnant apartment they share in New York is devoid of charm; everything is white, and it reeks of wealth.


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Wuxiaworld > My Nightclub Landlady > Chapter 104 Intention
Chapter 104 Intention
Jia Dapeng was completely shocked. He suddenly thought of a scene he's seen in the TV show "Conquest". The protagonist, Sun Honglei defeated his enemy, Feng Biao, and finally made Feng Biao kneel before him and call him Granddaddy.
Then, Sun Honglei stuck a gun to Feng Biao's head and told him to pull the trigger. He would only count to three, but Feng Biao remained indifferent. Sun Honglei patted Feng Biao's bald head and said, "I give you a chance, but you don't use it?"
Jia Dapeng thought of his own fate. He was afraid that if it weren't for his father's support, his situation would not be any better than Li Faxian's.
"Please leave, Brother. Don't stay in the police station, please," Li Faxian said sincerely, kneeling on the ground, his face a mask of grief. He was almost crying, but he still endured it.
Qin Feng was not the kind of person to hold a grudge forever. He just wanted to teach Li Faxian a lesson, to set him straight. He had to be put in his place to make him understand what respect was.
"Oh, alright. But only because you asked nicely," Qin Feng came forward and helped Li Faxian up. "Come on up, the floor's cold. If people see you like this, they might think I bullied you or something!"
Li Faxian did not know what to say. His pride was utterly destroyed.
But this was reality. Li Faxian could rely on Jia Quan's influence to overcome others, but Qin Feng simply knew someone even higher up the ladder.
Qin Feng finally looked over to Jia Dapeng, who was already terrified and overwhelmed, and humphed disdainfully, "You are a child, so I won't bother with you. But if I catch you causing trouble again, I will not be so lenient, and I don't care who your father is! Do you understand?"
Jia Dapeng nodded in a hurry and said softly, "Uh-huh."
Qin Feng leaned in a little closer to him and growled, "Zhu Fei is not interested in you, and you are not allowed to bother her anymore. If I hear you've been pestering her again, I will break your legs!"
"Okay, okay!" Jia Dapeng was felt very indignant. He was the son of the Director of Public Security! He couldn't believe he was being scolded like a misbehaving child.
But as things stood, he had no other option but agree.
Sister Flower looked puzzled. She'd never heard Zhu Fei's name before. It seemed that Qin Feng and Jia Dapeng became conflicted because of this woman.
After they left the police station, Sister Flower drove Qin Feng to a restaurant. On the way, she couldn't help asking, "Who is this Zhu Fei? Your friend?"
"My roommate. Jia Dapeng has been harassing her or ages, but she doesn't like him, so I stepped in to stop it. In the end… It was a complete coincidence, but Jia Dapeng attacked Zhu Fei's father, who's a sanitation worker, and put him in the hospital. I couldn't bear to watch her try to fend him off, so I figured I'd tell Jia Dapeng I was her boyfriend, hoping he'd finally back down. I didn't think the guy would be so stubborn! He's been trying to get rid of me like I was a thorn in his ass. His old man's the Director of Public Security, so he quickly found out when I was arrested and showed up at the police station thinking he'd tie me to a chair and torture me to death with a taser. Unfortunately for him, the man who can take me out one-on-one hasn't been born yet. You saw the rest of the story yourself."
Qin Feng explained that he had no other intentions toward Zhu Fei in his heart. Other than his secret identity as a Special Forces operative, he hid nothing from Xiao Jinhua.
"So... What happened to make Li Faxian so afraid of you? What kind big shot do you know whose name could make him get down on his knees? Honestly, I can't even imagine. Before I came, I ran around the city looking for a friends who seemed quite important and influential, but no matter how well I knew them, no one dared to cross someone like Li Faxian."
Xiao Jinhua wondered for a long time. It'd all make more sense if Qin Feng's didn't look like such a pauper all the time; riding an electric scooter to a part-time job, renting a flat with three other groups of people, wearing old (probably second-hand) clothes... How could someone like him have enough power to make Li Faxian to kneel?
It was totally out of proportion.
Sister Flower was curious about Qin Feng, and now she was full of doubts. What kind of man he was?
"Oh, it was nothing." Qin Feng humphed and said, "To tell you the truth, it was the Secretary of the Municipal Party Committee. I used to work as a security guard in the villa district where the city's highest officials lived. Secretary Liu was once almost kidnapped by a group of rioters and I happened to help him at the time. He's owed me a favor ever since. I even did some work as a gardener in his vegetable patch and we talked a bit occasionally."
Xiao Jinhua nodded thoughtfully, "Oh, I see. He sounds like a good man. He did quite a lot for you."
Qin Feng smiled, "Haha, he is a good leader of the people."
"Even so, Secretary Liu might not help you twice. Li Faxian and Jia Quan still dominate the city, and they'll hate you forever after today. You really shouldn't have humiliated him so much."
Xiao Jinhua screwed up her features in thought. Qin Feng was usually so kind, but this time he really took things too far.
"Sister Flower, do you know why Zhao Jun didn't bother to help me out in this situation?" Qin Feng said intently. "It is because he thinks that my energy, my value and my influence are too small for him, and it would be entirely unreasonable to offend Li Faxian over me. If I continue to be so humble, people will continue to disrespect me and try to push me around. But when they hear that I made Li Faxian kneel in front of me and beg for my forgiveness, they'll change their tune. Tomorrow, everyone in the city will hear my name, and anyone who dares to mess with us will have to think twice about it!"
My Nightclub Landlady is a Romantic novels, some original, some translated from Chinese. Themes of heroism, of valor, of ascending to Immortality, of combat, of magic, of Eastern mythology and legends. Updated with awesome new content daily. Come join us for a relaxing read that will take you to brave new worlds! A paradise for readers!

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Store of the Month – April 2021
Jungle Bob's Reptile World
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Friday: 11:00am – 6:00pm
60 miles west of the urban mecca of New York City, is a jungle populated with a plethora of strange creatures, and a man named Bob attempting to wrangle them.
"Jungle Bob" as he likes to be known, moved from NYC to Long Island when he was 6. In Long Island he experienced the real outdoors for the first time, and while adventuring caught a snake that sparked a reptile passion for life. 13 years ago, he finally opened a retail store named Jungle Bob's Reptile World to create a space where his hobby could be shared with others.
Jungle Bob runs the operation with his two sons Tyler and Dylan, and Castro the Cuban Rock Iguana (who mostly roams the store looking for attention). This team is passionate about reptiles and the people that keep them, and make sure their customer service is top notch.
When he's not at the store, Jungle Bob spends a lot of time traveling and doing educational shows. A lot of kids (especially in his hometown NYC) don't get to see reptiles very often, and these shows give them the chance to experience a closer connection to nature.
If you're in New York, make sure to visit Jungle Bob and his crew!
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A lot of people have never heard of Roy's before. It's all about Hawaiian and Japanese fusion fine dining with a focus on sushi, seafood, and steak. They are located in Jacksonville Beach right next door to Bold Bean Coffee. If you don't have time for dinner, try their "Aloha ( Happy) Hour". It's from 2:59pm-7pm and from 9pm to close Monday – Saturday. I got invited to try out their Aloha Hour and this is my recap. Enjoy!
Craft Beer $3; Well Drinks $5; Cocktails $7; A selection of Wines & Sake $7; Premium Wine By The Glass $9; Aloha Hour bar bites from $5-$15, and Signature Sushi Rolls from $8 – $18.
This was just a small taste of their Aloha Hour. They also have Lobster Potstickers, Wagyu Burgers, and Kalua Pork Sliders to name a few! If you want to try something new and outside of the norm head over to Roy's. It's beautiful inside, Bold Bean and the beach is walking distance, and the Hawaiian/Japanese food is bomb!
I'm a full time food blogger and restaurant influencer based in Jacksonville, Florida. I wear many hats from social media manager for +15 local restaurants, to food writer for Jack Magazine and EUjacksonville, to dinner planner and host, to photographer, and videographer.
I lead a local Jacksonville food group on Facebook of +600 people called The Nom Nom Club.
I also host multi course private dinners every month.
Custom Design Partners © 2018 NOMNOMJAX All rights reserved.


A couple weeks ago I shot two grads in one day. One was for a bunch of high school grads, and one was for a bunch of MBA grads. One wild & crazy, one swanky…you can try to guess which was which!
The best pic from this shoot – a Mom in the limo giving the 'talk'. Loved it.


Granddaughter of a Korean War veteran who turned his letters home into a memoir. Recently noticed she has a lot more in common with her family than she thought.
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What Does Gini Webb Have in Common With Her Family?
A Calling? An Expectation? Or, A Choice?


I bought an unlocked iPhone at Walmart. I have an AT&T monthly rechargeable sim to use when I'm in the States. I installed the AT&T sim to use for my last week in the US before leaving the country. When I tried to switch to the international sim, I found out that AT&T locked the phone to their system for 6 months before I can get it unlocked.
Since I paid full price up front for the phone, how is it that they have the authority to lock my phone to their system?
Also, there must be some greater benefit I am getting back from them if I'm obliged to use them? Did being locked to their system did they partially pay for the phone I received?
what model phone is it and how much did you pay for it?
The problem is Walmart does not sell unlocked iPhones they are part of the US flex re seller program which locks the phone to the first sim installed in the device. You will have to go thru tech support to get the phone unlocked and they may ask for the receipt from Walmart.
@GLIMMERMAN76, the OP would still have to have service for 6 months, right? Basically, since they put the AT&T sim card in first, it's just like they had bought an AT&T locked phone from an AT&T store, so they have to meet all of the unlocking requirements.
Nope... Att is bound to unlock phones payed for at full retail and not labeled as att prepaid or gophone.
Thanks for the reply. It took a few calls to AT&T and one to Apple before it was accomplished. Your post gave me a bit of hope to keep persistent with the problem until I talked to a tech support person who understood my problem and brought closure.
@jteters Getting to the right tech person that can take care of the issue is usually an issue. If you would care to share exactly how you got to the right person, that may help others with the same issue.
It took 4 phone calls to finally get to the solution. The first person told me I would not be able to unlock it until a 6 month period was over. I also applied to unlock the phone using the browser and the reply I received also said I would have to wait 6 months.
After Glimmerman76's post, I thought I would give it another try. The second person told me that the phone could be unlocked, but that Apple would have to do it-I think this was completely wrong since I was told Apple that they don't unlock phones.
Apple did give me a ticket number for me and recorded the conversation I had with them.
On the third call to AT&T I told them that I had already talked to Apple and that they said the phone should be unlocked. The tech opened up a ticket for me and sent the unlock request in for me. I think if I had asked the first person at AT&T to send in an unlock request for me I may have avoided the multiple calls.


text:
Q: Rails: UJS not executing I have some UJS that's meant to replace a partial in my view. The .js file looks like this:
transition("#content_container", "<%= escape_javascript(render 'users/show') %>");
librarySorter("User", "<%= @user.username %>");

The transition function executes as expected, but librarySorter isn't executing. I check in firebug, and it does appear in my response like so:
librarySorter("User", "tbaron");

And stranger yet, if I copy and paste that line into my firebug console, it runs properly and executes. I've been tinkering with this for hours, and I still have no idea why it's not working. Any ideas?
For reference, here's what librarySorter looks like (it's in application.js):
function librarySorter(library_type, id){
  function publication_sort_binder(type, order, name){
    $("#overview_table").animate({opacity: 0}, 400);
    $("#sort_method").html(type+' '+order);
    var url = library_type == "User" ? '/users/'+id+'/owned_publications' : '/groups/'+id+'/overview_sort'
    $.ajax({
      type: 'GET',
      data: {'function':type+' '+order},
      url: url,
      success: function() {
        $("#publication_sort_arrow").remove();
        var arrow = (order == 'ASC') ? '↓' : '↑';
        $('#sort_'+name).unbind("click").click(function() {
          publication_sort_binder(type, (order == 'ASC') ? 'DESC' : 'ASC', name);
      }).append(" "+arrow+"");
      }
    });
  }
  $('#sort_title').click(function() {
    publication_sort_binder("publications.title", "DESC", "title");
  })
  $('#sort_author').click(function() {
    publication_sort_binder("contributors.name", "DESC", "author");
  })
  $('#sort_review_date').click(function() {
    publication_sort_binder("reviews.created_at", "DESC", "review_date");
  })
  $('#sort_review_vote').click(function() {
    publication_sort_binder("reviews.votes_sum", "DESC", "review_vote");
  })
  $('#sort_children_total').click(function() {
    publication_sort_binder("updates.replies_count", "DESC", "children_total");
  })
}


Norton Commons is not just an address, it is a highly sought after lifestyle!This exquisite 5 bedroom home is perfectly situated to allow easy accessibility to the parks, pools and green spaces as well as the restaurants, boutiques and salons that are the hallmark of this amazing community. Festivals, community events and concerts at the amphitheater are within walking distance and can be enjoyed throughout the year. This distinctive and thoughtfully designed home was carefully crafted to take advantage of its beautiful lot and street location. Relax on the welcoming front porch and enjoy the easy flow of this amazing community. Once inside, the easy elegance and sophistication of flowing hardwood floors, gorgeously toned cabinetry and trimwork, quartz countertops and stunning lighting all contribute to the overall sense of luxury and distinction. Hunter Douglas window treatments have been installed throughout most of the home, and the interior has been newly painted in a beautiful neutral tone. The open floor plan allows for excellent communication and interaction, with a clear sight line from the entry through the great room, kitchen and on to the dining room. The beautifully crafted fireplace is a focal point in the great room, as is the central island in the kitchen. Designed to allow for maximum flow, the gourmet kitchen is a delight. Stainless steel appliances, vented gas cooktop and an extraordinary number of cabinets insures easy accessibility and storage. A covered porch with ceiling fan is accessed near the dining room, affording lovely views of the landscaping as well as convenient entry to the kitchen. This outdoor area is perfect for entertaining or outdoor dining. A spacious master suite is located on the first level, with directed lighting to allow for convenient reading in bed. The master bath offers stunning cabinetry with elegantly designed shower and separate tub. The walk-in closet is expansive with opportunity to customize. The rear entry to the home has been designed to accommodate any manner of items including a drop zone for backpacks, handbags, etc. as well as multiple locations for hanging items. A powder room is conveniently located in this area as well as a laundry room that the owners converted to an office. An easy conversion of the wall space allows this area to once again be utilized for laundry. The second level offers the flexibility of another master suite with customized master closet that has access to a second floor laundry. A large bathroom suite adjoins to create a second master suite option or guest suite. A beautifully designed bonus room with gorgeous skylights and extensive storage closets can be utilized as an office, playroom, exercise room or living area. Three additional large bedrooms as well as another full bath complete the second level. The comfort and efficiency of the home has been addressed with the addition of an energy efficient whole house fan, security system, irrigation system, built-in speakers on the porch and several rooms on the first level as well as upgraded technology in the form of Cat 5 wiring with a patch panel in the lower level. A desirable 3 car garage offers extensive storage opportunities as does the lower level. This immaculately maintained home shows perfectly and a 1 year home warranty is included. This is a wonderful opportunity to enjoy the Norton Commons lifestyle. Schedule your private showing today. The sellers are offering a $10,000 Buyer Bonus Credit for a contract accepted on or before 4/15/2019.
Directions:Chamberlain Lane to Blazing Star (R) to Coltsfoot Trace (L).
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Real estate listing at 8911 Coltsfoot Trace Prospect, KY 40059.
Description: The real estate listing at 8911 Coltsfoot Trace Prospect, KY 40059 with the MLS# 1522273 is currently listed for $784,900 and has been on the Prospect market for 104 days.
You are viewing the GLAR MLS property details of the real estate listing at 8911 Coltsfoot Trace Prospect, KY 40059, which is located in the Norton Commons neighborhood, includes 5 bedrooms and 4 bathrooms, and has approximately 3939 sq.ft. of living area.


Understanding the nature of reality is crucial in improving one's life. The more we acclimate ourselves to the universal laws which govern existence, the better off we shall be. This can only be achieved when we as a species begin the journey to re-discovering who we've always been. The journey back to understanding ourselves and this Ultimate Reality will make a huge impact upon humanity as a whole.
The time is coming soon when most of the population on this planet will be immersing themselves in these type of inquiries. The fleeting pleasured and satisfactions deriving from this world will be rejected by the majority because of its temporal state of being. Thus humanity will have this inner-desire to seek the eternal, to find the infallible and recognize the constants within existence. When this occurs, it will be the greatest renaissance mankind has ever experienced.
Collective Evolution's Arjun Walia spoke to Pradeep B. Deshpande, Professor Emeritus and former Chair of Chemical Engineering at the University of Louisville, Visiting Professor of Management, Gatton College of Business & Economics, University of Kentucky, and President and CEO, Six Sigma and Advanced Controls, Inc.
For the benefit of our readers, how is the ultimate reality defined?
To borrow a line of reasoning from Amanda Gefter's path-breaking book, "Trespassing on Einstein's Lawn", the ultimate reality is that which persists even after everything physical in the universe has vanished. It is that which is always there even before the beginning of time, uniform, same everywhere, and does not vary from observer to observer and perspective to perspective.
So, what is the ultimate reality?
After an effort spanning a decade or more for her book which included interactions with some of the best known physicists of our time including Stephen Hawking, Gefter concluded, 'Ultimately, nothing is real', that is, the ultimate reality is the nothingness of the void when the universe was about the size of Planck's length (10-33 cm in diameter) at the moment of the Big Bang.
What is the nature of the ultimate reality?
Renowned theoretical physicist the late John Archibald Wheeler told Gefter at the Science and Ultimate Reality Conference in 2002 in Princeton that the universe was a self-excited circuit. Inspired by the work of Adi Shankara and Nisarga Datta, Jim Kowall, a triple-board certified physician with a doctorate in theoretical physics used certain concepts from theoretical physics and logic concluding that the nature of ultimate reality cannot be anything else but consciousness which he termed undifferentiated consciousness.
So, which perspective is a better representation?
From Prof. Wheeler's perspective, something, the universe, came out of nothing as the universe was a self-excited circuit. If this view is adopted, then the mystery of the beginning of the universe and the mystery of life are wholly independent but if Jim's perspective is taken as a hypothesis for scrutiny, then there are some exciting possibilities. In particular, the hypothesis leads to a scientific framework for world transformation and peace that is detailed in the book. On the side, reflect on the ancient Indian saying, Purusha (metaphor of Shiva) is a potentiality but it needs Prakrati (metaphor of Adi Shakti) for creation.
Is it possible to prove Dr. Kowall's hypothesis, undifferentiated consciousness created the universe?
To examine the hypothesis, we must conduct scientific experiments and show that everything remains connected to everything else just as it was at the moment of the Big bang when the universe was about the size of Planck's length. Western scientists have successfully conducted such experiments in at least as far as the connectedness of human beings is concerned. These experiments were made possible in part by the discovery of the DNA which allowed scientists to locate living DNA remotely and examine if there was something within us that had an effect on the remotely located DNA. That 'something' turned out to be emotions!
Could you give our readers an example of these experiments?
On YouTube, there is a video clip of an experiment with 32 Metronomes that are in a sense connected although not physically linked. The readers will see that within minutes the metronomes synchronize indicating that they are sharing some form of energy. There are also experiments which show that the heart rates of a group of subjects meditating or engaged in prayer synchronize to a great extent in short order. These experiments imply that our differentiated consciousness may well be a microcosm of the undifferentiated consciousness.
OK, so where does this take us?
If in fact our differentiated consciousness is a microcosm of the undifferentiated consciousness of the void and since the latter created the universe, then, we too must possess a capacity to create. This is consistent with the ancient Indian proverbs, Aham Brahmasmi (I am a creator) or So Hum (I am that). Using this line of reasoning, if we can demonstrate this capacity to create physical reality from nonphysical phenomenon (consciousness, intention, emotions, vibrations), then the hypothesis that the undifferentiated consciousness created the universe strengthens but it would be exceedingly difficult, may be even impossible, to prove it with an absolute certainty.
What do I need to understand before setting out to prove that I am a creator?
First, we need to understand the fundamentals of yoga, meaning to connect, and not the bone-bending physical exercises that have come to be known as yoga in the West. It is heartening that there is now an UN International Yoga Day, June 21st that came into being at the behest of Indian Prime Minister Narendra Modi in 2014 with the support of over 175 nations. Now, if everyone understood the real meaning of yoga and how to practice it, then surely the world will become more peaceful.
Second, to connect to the undifferentiated consciousness requires two things: (i) positive emotions, (ii) a process with which to connect. We humans possess two types of emotions: Positive emotions (unconditional love, kindness, empathy, compassion) and negative emotions (anger, hatred, hostility, resentment, fear, sorrow, frustration, despair, etc.). Individuals who are endowed with abundant positive emotions may be thought of as having a high level of internal excellence. Such individuals suffer only minor, short-term disturbances in their internal conditions when highly taxing external conditions occur.
Where do our emotional traits come from?
Just as we inherit genetic traits from our ancestors, we may also inherit some negative psychoemotional traits (e. g., depression, hypertension, etc.). We compound our problems by our own actions from adolescence to the current age. Success in connecting to the undifferentiated consciousness requires that these negative psychoemotional traits must be wiped clean and replaced with abundant positive emotions.
Are our emotions related to our base nature?
The two are strongly correlated. Just as we have two types of emotions, the 6 ½ billion of us also have three components of the mindset: (1) S: Truthfulness, honesty, steadfastness, equanimity, (2) R: Attachment, ego, ambition, greed, desire to live, and (3) T: Lying, cheating, inflicting injury in words or deed, and sleep. In this scheme of things, every human being has a certain minimum amount of S, R, and T required for life. A little reflection will reveal that the S component is positively and strongly correlated to positive emotions while the R and T components are strongly and positively correlated with negative emotions. Just as positive and negative emotions lead to a scale of internal excellence, so do the S, R, T components. On either scale, the pursuit of connecting to the undifferentiated consciousness is equivalent to a desire to rise of the scale of internal excellence.
So, it sounds fairly straightforward, track our emotions diligently, harness positive emotions and avoid negative emotions and I can connect.
That is partially correct. A simple thirty-day experiment will convince anyone that the conscious approach falls short of expectation. We also need a process whose side-effect is a rise in positive emotions at the expense of negative emotions and such a process is meditation. Meditation has the power to connect an individual's consciousness to the undifferentiated consciousness.
What sort of additional evidence can you offer that meditation can materialize intentions?
At my request, Sanjeev Aroskar, a friend and an Electronics & Computers graduate of the well-known Indian Institute Technology, Mumbai, gathered a group of six meditators in Pune a few years ago and demonstrated that it was possible to lift from the ground from a crossed-legged sitting position. The meditation practice included an explicit intention to lift from the ground. The evidence was recorded on my IPhone camera. The experiment is further detailed in the book. That said, the intention most worthy of materialization is a rise in the level of internal excellence.
Can internal excellence be measured?
Yes, but only inferentially. Any scientific inquiry must have measurable outcomes or else it becomes just another interesting philosophy. Prof. Konstantin Korotkov, Professor of Biophysics, Mechanics, and Computers at St. Petersburg Federal University in Russia developed a scientific device based on the gas discharge visualization (GDV) principle over fifteen years ago. The device involves a painless, noninvasive, and almost instantaneous measurement to estimate the physiological and psychoemotional state of the subject at a high confidence level. The GDV device was approved by the Russian Health Ministry for use as a routine medical diagnostic device in Russian hospitals and doctor's offices. I have published extensive data on myself showing that meditation enhances positive psychoemotional traits and thus, internal excellence which I can experientially attest to.
What are the benefits of connecting to the undifferentiated consciousness with meditation?
Even partial success leads to a myriad of benefits: Health & wellness, creativity, and innovativeness, exemplary performance in all walks of life including business and academic performance, better leadership decisions, and less discord and violence. There are a large number individuals throughout the history of India and elsewhere who bear testimony to the truthfulness of this assertion. In recent years, prestigious science publications such as Nature, Science, Pro. Nat. Sci. Acad.-US all have carried full-length articles on the benefits of meditation. A quick Google search will produce a long list of Nobel laureates, famous CEOs, and scientists who are regular meditators and who credit some of their successes to meditation.
How do we extend the benefits of meditation to the larger segment of society?
Here, we have to take advantage of the Maharishi effect, named after the late Maharishi Mahesh Yogi. Maharishi continues to have thousands of followers who include the likes of Jerry Seinfeld, George Stephanopoulos, Peter Lynch, renowned physicist and three-time presidential nominee, John Hagelin, among many others. The Maharishi effect says that a relatively small number of meditators can bring about peace in a much larger segment of the society. Following this principle, Dr. Hagelin and associates conducted experiments in Washington, DC in the eighties demonstrating that 4,000 meditators were sufficient to bring down the crime rate of the entire DC metropolitan area. The experiment was successfully repeated in the Middle East.
Does this mean eternal global peace is possible?
Not quite, and the reason is this. The S, R, T components of societies undergo transformation over time due to reasons that we cannot quite comprehend. As the average S component of nation rises, that society rises but the S component cannot continue to rise indefinitely and when it reaches its peak, the T component gains prominence and the society begins to decline. The T component cannot rise indefinitely either and when it reaches its peak, the S component gains dominance and the society begins to rise again. As a consequence of this transformation of the S, R, T components, societies sustain repeated rise and decline. This has been true for thousands of years and will remain true for the foreseeable future. Since our specie did not evolve into humans at the same time, there are societies in the various stages of rise and decline present on the scene at any given time. Consequently, global peace ad infinitum is not possible. However, by adopting the scientific framework under discussion here, emerging nations can rise faster, nations in decline can change direction, and developed nations can keep their inevitable, eventual decline at bay longer and that will make the world more peaceful. This is the best possible scenario.
Fascinating, so this is what you mean by transforming the world?
Actually, only partly so. From my perspective, world transformation has two parts to it: To make the world better and to make the world more peaceful. The ultimate reality book presents a scientific and auditable framework for internal excellence while the author's companion book, Six Sigma for Karma Capitalism, SAC 2015 (also available on amazon) presents the wherewithal for a better world. What we have talked about so far is for a more peaceful world. The term 'better' refers to a scenario where all processes and transactions worldwide produce the least possible defects for the best possible performance and this requires a framework and an auditable methodology for external excellence. There are several quality initiatives available but my favorite is the national award-winning six sigma co-created at Motorola by Drs. Bill Smith and Mikel J. Harry in the late seventies.
So, quality initiatives are sufficient for the best possible performance across the world in terms of defects?
This is a very interesting question. Several years ago, I made a shocking discovery: In the absence of an adequate level of internal excellence, the best quality initiatives do not produce the best possible performance in terms of defects. Add internal excellence to the mix and the performance can be further improved. So, to make the world better and more peaceful, both components of excellence, external and internal are required.
It appears, businesses of all types need to have both components of excellence in place?
In my view, all companies in whatever line of business, manufacturing or service, need to embrace both components of excellence. The framework is amenable to an audit and therefore within a short span of four to six months, companies will be able to demonstrate for themselves the many benefits of the framework. Actually, the proof of concept is already on hand. Some of the references cited at the end of this interview lists several CEOs talking about the benefits of meditation for themselves and their companies.
Meditation has been around for thousands of years. What is the necessity of a scientific framework?
It appears that humanity has become increasingly rational minded perhaps stung by Aristotle's false claim of our Earth-centric existence in vogue till the time of Copernicus in the fifteenth century. The widespread acceptance and adoption of the ideas discussed here is possible only with a scientific framework.
Sounds like we need to teach all this stuff in colleges and universities?
I wholly agree. Today's students are tomorrow's leaders and it is absolutely essential to introduce these ideas in colleges so they do not graduate tunneled-visioned. I have done so in my six sigma class of the MBA program of the University of Kentucky at TEI/Piraeus in Athens, Greece I have been teaching for ten years and the student are loving it.
Does meditation have a religious connotation?
Meditation is for everyone, of all faiths and also for those who profess no faith. Every human being has the same gift of capacity to learn but the desire to learn and openness of mind are choices and those are the biggest hurdle to progress.
Does God exist according to the scientific framework?
Scientific inquiry cannot go beyond the notion of undifferentiated consciousness. However, many will marvel at the same evidence and conclude that God must exist while many will say, not so fast. The precious lessons I have drawn from the scientific framework are: (1) The purpose of all scriptures of all faiths is identical: To prod humanity to rise on the scale of internal excellence, (2) All incarnations, Son of God, Prophets have devoted their entire lifetimes in the pursuit of a single goal: To persuade humanity to rise on the scale of internal excellence.
What are your thoughts on violence in the name of religion?
Since you and I share Indian ancestry, I start with the Hindu religion. Discrimination on the basis of caste has been a persistent problem for thousands of years although there is no mention in the Geeta that Varna distinctions can be inherited. In the epic Mahabharata, there is an episode which shows Sage Bhishma lying on a bed of arrows commenting to Karna, If I had not called you Shudra and not prevented you from participating in the sports arena, may be this Great War could have been avoided. He further goes on to say, in the Vedic times, Varna was determined by qualities, when this changed to the heredity-based caste system, no one knows.
Next, to Christians and inquisitions and crusades. Bible has not changed but there is no more violence in the name of Christianity. Finally, the current problem with terrorism. Islam is no more responsible for terrorism than Bible for inquisitions and crusades or the Geeta for caste discrimination. The root cause of violence in the name of religion is high R and T components.
Thank you, this has been an interesting conversation.
I have enjoyed it as well. Thank you and Collective Evolution for this opportunity.
Clark, Don, Salesforce.com CEO Mark Benioff Delivers Meditation on Mindfulness, The Wall Street Journal, October 20, 2015.
DeSteno, David, The Morality of Meditation, The New York Times, July 5, 2013.
Gelles, David, At Aetna, a CEO's Management by Mantra, New York Times, March 1, 2015.
Goyal, Madhav, et al., Meditation Programs for Psychological Stress and Well-being, JAMA Internal Medicine, 174 (3), March 2014 pp.357 – 368.
Gregoire, Carolyn, How Meditation Transformed this Executive's Approach to Work and Life, Huffpost Endeavor, March 14, 2016.
Korotkov, Konstantin G., Human Energy Field: Study with GDV Bioelectrography, 2002. amazon.com.
Kowall, James P., Metaphysics of Modern Physics, J. Consciousness Exploration and Research, 7, 3, 2016.
La Roche, Julia, Ray Dalio: More than anything else, I attribute my success to one thing, Yahoo! Finance, May 23, 2016.
Mallet, Victor, Pop-up Megacity is a Lesson for India, Financial Times, March 1, 2013.
Marchant, Jo, Can Meditation Really Slow Aging?, CNN Health, http://www.cnn.com, July 10, 2014.
O'Connell, Andrew, A Little Meditation Helps You Make Better Business Decisions, HBR Blog, January 24, 2013.
The 'Dabbawala Roti Bank in India': We will Give that Food to Someone who is Hungry, BBC News, (http://www.bbc.com/news/business-36418730).
Pinsker, Joe, Corporations' Newest Productivity Hack: Meditation, The Atlantic, March 10, 2015.
Walton, Alice G., How Yoga might save The US Trillions of Dollars, And A Lot of Lives, Forbes, July 24, 2013.


The 8th instalment coming from Fun Records features three original tracks delivered by Argentinian artist Nacho Bolognani and a remix signed by local techno icon Priku. Titled "Clab", the 12" brings forward a warm and groovy sound flavoured with minimalistic patterns, available in a limited number of copies.
Established in 2015 by DJs and producers Barem and Alexis Cabrera, Fun Records aims to provide refreshing sounds beyond trends and predictable beats to the worldwide electronic dance music scene. Over the years the founders published amazing works alongside artists like Neik, Mariano Mateljan, Jorge Savoretti, Federico Molinari and Nekes. The imprint is also involved in organizing events in South America and Europe, while a strong connection with the Romanian scene can be observed. With Jorge and label-head Alexis releasing with Atipic, it is now time for Priku to add his signature touch to Nacho's EP, strengthening the bonds between Argentina and Romania.
Nacho Bolognani is a producer and DJ with a growing influence on the underground scene, always delivering a distinct vibe, blending deep and melodic atmospheres with strong minimal beats. His works have been dispatched by labels like Russian Dollz, Cachai, MyHouse YourHouse, Momentz, Blind Vision Dubs, Whoyostro, Cyclic Records and Savor Music. He enjoys support from many local and international artists and, throughout time, he shared the decks with the likes of Troy Pierce, Lee Burridge, Ernesto Ferreyra, Thomas Roland, Jamie Jones, Saenz, Loco Dice, Seth Troxler and many others. For this release, he teams-up with Priku, the mastermind behind Motif and Atipic.
Priku is known for his unique approach to minimal, being one of the most talented producers and DJ coming from Romania. He released top-notch sounds on labels such as [a:rpia:r], All Inn, Fabric, Pressure Traxx, Concrete Music, Only 300 Family, Eastenderz and Cocoon Recordings, to name just a few. Travelling and performing in numerous locations around the world, there's no doubt that his vibrations will make any dancefloor go wild.
Side A opens with "T26", a pumping minimalistic composition designed for dancing. With a solid bassline and a heavy modulated vocal sample, this groovy cut properly introduces us to FUN008. Following, there's "Kb3", a house-infused rhythm that builds tension through its fuzzy harmonics. The track flows smoothly while it explores a deeper sound. On Side B, Priku's remix on "Kb3" seduces us with its stripped-down arrangement, focusing on the percussion and the eerie background textures. The reverberating chords reveal a dubby influence while subtle, yet intricate effects, add to the story. Closing the wax, "Clab" provides a beautiful melodic vibe, with whirling synths and bright notes leading the track into a dancefloor-oriented affair, full of emotions and introspective moments.


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Need a motivated seller voicemail script?
If you're looking for a simple real estate contract that's (1) real estate investor friendly, (2) super simple, and (3) costs $0, then you're in for a double dose of awesome.
That's right—let's ring the opening bell for another Awesome REI Swipe & Deploy!
Over the years we've enjoyed sharing assets from our own internal arsenal of contracts, checklists and marketing templates—things we've been using in our own real estate investing operations for years, which you can just swipe from us, and then deploy them in your own real estate game as you see fit.
We've handed you goodies like our simple option agreement, a proven letter of intent template, 47 MLS Keywords for REI, a motivated seller phone script & voicemail script, and even some marketing goodies like our favorite motivated seller postcard and even our burned house letter.
And now here we are, piles of raving comments later, and you still want more!
I totally get it… I've been there, and always appreciate finding an "easy button" or shortcut myself. If it'll save me (i) time, (ii) pain or (iii) the trial-and-error of making or finding it myself, then I'm in.
Heeeeeeeey guys, it's time for another exciting episode of "Swipe and Deploy our stuff!" Lol.
So based on the kudos aplenty, I clearly struck a chord in recently sharing one of my favorite, top performing postcards for motivated sellers. That's awesome, I love it.
Today I want to go a step further and let you take a gander at our exact script for calling back motivated sellers from our postcard campaigns.
No matter what flavor investor you are or what type of deal happens to be your proverbial cup of tea, that first call with the seller is absolutely mission critical—a crucial hinge point really for your whole deal.
It also happens to be one of the most nerve-racking and precarious nuts to crack for many people. I've seen it literally hundreds of times now, these seller calls can be murder for some people—and I get it.
Man, you guys sure love to swipe our stuff!
I mean, based on the gratitude galore we got from sharing one of our favorite motivated seller postcards recently, it seems pretty clear that the old "Swipe and Deploy" is something we should keep rolling with.
Today's handy-dandy resource is one of the core essentials every investor should have in your tool-belt–the Option to Purchase Agreement, or "option contract" as it's often called.
Hey guys, I've got something pretty sweet I want to share with you today: It's one of our favorite real estate investor postcards, and you can officially swipe-and-deploy in your own real estate investing operations any time you want.
As any capable, card-carrying real estate investor who's actively doing deals will tell you, the only fuel that keeps your real estate money machine cranking is quality leads coming in like clockwork.
For wholesalers like me, that means a steady stream of motivated sellers with properties they sorely need to sell, plus ravenous cash buyers, hungry to devour the deals we serve up on a silver platter. For fix-and-flippers, it's distressed property leads and retail buyers. And landlords of course need solid investment properties and quality tenants.


The American Shorthair is not a particular breed. The name speaks only to its coat of short fur in nearly every imaginable color and pattern — a characteristic of many breeds. Yet, the Shorthair has its own temperament: patient, easy-going, gentle, sociable, good-natured, smart, and no attention hog. It's an excellent, affectionate companion for all ages. The Shorthair likes to play and is trainable, willing to learn new things.
Animal Den carries a line of Shorthair products and merchandise that make great gifts for the Shorthair lovers you know. Some of our most popular items include tote bags, coasters, T-shirts, umbrellas, address labels, weathervanes, mousepads, cookie jars, note holders, and mugs.
A 100% satisfaction guarantee covers any Shorthair gift you order, and every other Animal Den product too. Simply return within 60 days, if necessary, for a complete refund or exchange. Pleasing customers is what we do, and you are certainly no exception!


VESA is an acronym for the Video Electronics Standards Association. The association consists of over 300 member companies who work together to set the technical specification standards for the video electronics market. These standards keep the industry stable and shape the future of video electronics and components.
Among the technical specifications defined by VESA are the VESA MIS, or VESA Mounting Interface Standard. The Mounting Interface Standard is a system that determines the international standards of how flatscreen monitors and other electronic devices are mounted. The MIS is dependent upon a hole pattern that is built into the monitor's design. This hole pattern is typically located on the back of a monitor. These hole patterns can be square or rectangular. The patterns are defined by the lateral and vertical measurements, in millimeters, between the hole centers. For example, the 75 x 75 mm hole pattern measures 75 mm between the hole centers of the pattern when measured across or up and down, not diagonally. "Out of the box" most monitors have an included stand or mount attached that is concealing the VESA standardized hole pattern.
VESA MIS D is for monitors with a diagonal screen size between 12 and 22.9 inches and with a weight of up to 30.8 pounds. VESA MIS D monitors often either have 75 x 75 mm or 100 x 100 mm hole patterns.
VESA MIS E is for monitors with a screen size between 23 and 30.9 inches and a weight of up to 50 pounds. VESA MIS E compliant monitors should have a 100 x 200 mm hole pattern.
VESA MIS F is the standard for monitors with a diagonal screen size from 31 up to 90 inches and a weight of up to 250 pounds. Because VESA MIS F covers such a wide range of large monitor sizes, the VESA hole patterns associated with this group range in size as well. Generally 200 x 200 mm, 200 x 400 mm and 400 x 600 mm hole patterns are among the more common from this group.
Across the Ergomart website you will find the VESA MIS hole patterns being referred to simply as VESA hole patterns.
This so-called "Star" VESA plate is our most commonly used VESA adaptor. It accommodates most small to mid-size monitors with 75 x 75 mm and 100 x 100 mm VESA hole patterns. The adaptor fits to a tilter mechanism utilizing the 1.9 x 1.9 inch inside holes. The device measures 4.5 x 4.5 inches in size. For monitors with recessed VESA hole patterns an additional VESA Spacer hardware kit may be needed. This rectangular 4.5 x 8.93 inch VESA adaptor mounts a larger monitor with a 100 x 200 mm VESA hole pattern to an Ergomart tilter mechanism using the four central holes which are 1.90" apart. This 4.5 x 8.43 inch rectangular VESA adaptor is designed for heavier monitors. The eight central holes measuring 1.9 inches apart are used to mount the VESA plate to a dual tilter head assembly. This adaptor is used in the PM80 Heavy-Duty Monitor Pole Mount.
This square VESA adaptor mount is designed for a large monitor with a 200 x 200 mm, 100 x 200 mm, or 120 x 180 mm hole pattern. The central hole patterns are 50 x 50 mm, 75 x 75 mm, and 100 x 100 mm, allowing this bracket to interface with the mounting location using an additional standard VESA 75/100 adaptor.
This 75 x 75 mm VESA adaptor is designed be attached to the mounting location using the single hole in the middle. It can mount on another bracket with a similar central hole (e.g. Ergomart's Monolok), in which case this VESA plate can facilitate landscape to portrait rotation of the monitor. Another option is a bracket with a slot (e.g. Ergomart's thin client CPU holder or the backbar found in Monitor/Keyboard arms), which allows this sliding VESA plate to be positioned at any height along this slot. This 100 x 100 mm VESA adaptor attaches to the mounting location using the single hole in the middle. It can be installed on another bracket with a central hole (e.g. Ergomart's Monolok), enabling instant portrait/landscape orientation adjustment. It can also be mounted at the desired height on a bracket featuring a vertical slot (e.g. Ergomart's backbar used in Monitor/Keyboard arms, or a thin client CPU holder with mounting holes or slots in the front bracket). This 100 x 200 mm VESA adaptor features a single central mounting hole, which can be used to install the monitor on another bracket that has a similar hole (e.g. Ergomart's Monolok), thus allowing the monitor orientation to be changed between portrait/landscape. The same central hole also allows mounting the VESA plate on a bracket with a slot. It can also be mounted at the desired height on a bracket featuring a vertical slot, such as the ones on Ergomart's slotted thin client holders and the backbars on the Monitor/Keyboard arms. In this configuration, the monitor can be positioned at any height along the available slot.
The 200 x 400 mm VESA adaptor plate accommodates a number of VESA hole patterns. It supports the 50 mm spacing for the Ergomart tilter head and 75 x 75 mm, 100 x 100 mm, 200 x 200 mm square, as well as 100 x 200 mm, 120 x 180 mm, 200 x 200 mm, 200 x 300 mm, 200 x 400 mm rectangular patterns. In some cases an additional VESA adaptor (e.g. 75 or 100 mm) may be needed to interface the 200 x 400 mm VESA plate to the mounting location.
The MSU4X6 VESA plate is designed to attach to a wide range of VESA patterns, anywhere from 100 x 300 mm up to 400 x 600 mm. This image indicates the spacing between the holes and slots with the horizontal and vertical components disassembled for clarity. The hole patterns on the central plate allow the MSU4X6 to be mounted to tilter heads or wall mounts. In most cases this necessitates the use of a smaller sized VESA adaptor plate (e.g., 75 x 75 mm, 90 x 90 mm, 100 x 100 mm, 100 x 200 mm, 200 x 200 mm) between the tilter head/wall mount and the MSU4X6.


Download Particular free via AppsHawk.
Particular is a Running Game set in a prison of a fantasy world, magic and dark. Your only hope for a new life is to escape from this prison between bristly mountains.


Security stopped the van from making the delivery.
Inner City Helping Homeless says it was stopped from delivering Christmas shoeboxes to children in direct provision in Mosney in Co. Meath today.
The delivery was prearranged with staff however security stopped the van, claiming someone could have been hiding in the back.
ICHH says it has delivered items to the centre before without any issue.


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One of the most appealing tracks on Mary J. Blige's recently released album My Life II: The Journey Continues (Act 1) is the breathtaking duet with Beyoncé called "Love a Woman." The colossal collaboration pits two of this generation's biggest R&B stars together for the first time ever.
Blige, who typically doesn't do many duets with other female artists, spoke to BET.com about how the collaboration came to be. Apparently, it was all Bey's doing.
"The song came from Beyoncé," Blige reveals. "She gave me the song. She recorded it for her album and it didn't fit her album. Her A&R people brought the song to me with her voice on it completely."
A little surprised at receiving the unexpected gift, MJB made sure to check into whether the generous offering really did come from Mrs. Carter.
"The song was so amazing I had to be sure, as an artist, that she really was trying to give it to me," Blige recalls. "I was like 'is she really trying to give me this song, because it's pretty amazing.' They were like 'yes, but she wants to stay on it with you.' And I was like, 'Wow! Beyoncé? Thanks!' And you know I love and respect her to death so I wouldn't pass that chance up.
Written by Sean Garrett, the track appears as one of 14 on the album, which also features Rick Ross, Drake and Nas.
Since the release of My Life II, last Tuesday (November 22), Blige has been touring throughout the country performing at intimate affairs to promote the LP.
BET.com is your #1 source for Black celebrity news, photos, exclusive videos and all the latest in the world of hip hop and R&B music.
(Photos from left: BET/Anthony Harvey/PictureGroup)
Written by Brooklyne Gipson


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Nebraska Center for Materials & Nanoscience
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Faculty - Shield
Jeff Shield
Department Chair,
Robert W. Brightfelt Professor
W339 Nebraska Hall
jshield@unl.edu
1992 - Ph.D., Metallurgy, Iowa State University, Ames, Iowa
1987 - B.S., Metallurgical Engineering (High Honors), South Dakota School of Mines and Technology, Rapid City, S.D.
General area of microstructural development in materials during processing
Formation of nanostructured materials
Development of nanoscale structures for functional devices
Developing novel nanomagnetic materials for high-energy permanent magnets
Materials characterization, notably electron microscopy and x-ray diffraction
University of Nebraska-Lincoln College Distinguished Teaching Award, 2008
UNL College of Engineering Holling Family Master Teacher Award, 2007
UNL Engineering Student Advisory Board "Props for Profs" Award, 2007
1997 Outstanding Recent Graduate Award, South Dakota School of Mines and Technology
Mechanical Engineering Teaching Award, 2004, 2008
Pi Tau Sigma Gold Key Award, 2005
Mechanical Engineering Research Award, 2006
O. Buck, J.E. Shield, et al., "Nondestructive Detection of an Undesirable Metallic Phase, T1, During Processing of Aluminum-Lithium Alloys," U.S. Patent No. 4947117.
J.E. Shield, et al., "Method of Making Quasicrystal Alloy Powder, Protective Coatings, and Articles," U.S. Patent No. 5433978.
B.S. Biner, et al., "Composite Material Reinforced with Atomized Quasicrystalline Particles and Method of Making Same," U.S. Patent No. 5851317.
C. Kruse, M. Lucis, J.E. Shield, T. Anderson, C. Zuhlke, D.R. Alexander, G. Gogos and S. Ndao, "Effects of femtosecond laser surface processed nanoparticle layers on pool boiling heat transfer performance," J. Thermal. Sci. Eng. Appl. 10, 031009 (2018).
N. Roth, C. Zuhlke, E. Peng, S. Hansen, J.E. Shield and D.R. Alexander, "Creation of micro/nano surface structures on silver using collinear double femtosecond laser pulses with different pulse separation," Multiscale and Multidisc. Modeling, Experiments and Design, (2018).
L.-S. Fan, L. Constantin, D. Li, L. Liu, K. Keramatnejad, C. Azina, X. Huang, H.R. Golgir, Y. Lu, Z. Ahmadi, F. Wang, J. Shield, B. Cui, J.F. Silvain and Y.F. Lu, "Ultraviolet laser photolysis of hydrocarbons for nondiamond carbon suppression in chemical vapor deposition of diamond films," Light: Science & Applications 7, 17177 (2018).
T.V. Jayaraman, V.M. Meka, X. Jiang, N.R. Overman, J. Doyle, J.E. Shield and S.N. Mathaudhu, "Investigation of structural and magnetic properties of rapidly solidified iron-silicon alloys at ambient and elevated temperatures," J. Alloys Cmpds. 741, 409 (2018).
Y.X. Song, A. Tsubaki, C. Zuhlke, E. Rezaei, G. Gogos, D.R. Alexander, and J.E. Shield, "Effect of topology and material properties on the imprint quality of the femtosecond laser-induced surface structures," J. Mater. Sci. 53, 3836-3845 (2018).
W. Zhang, S. Valloppilly, X.Z. Li, L. Yue, R. Skomski, I.E. Anderson, M.J. Kramer, W. Tang, J. Shield, and D.J. Sellmyer, "Texture development and coercivity enhancement in cast alnico 9 magnets," AIP Advances 8, 056215 (2018).
N. R. Overman, X. Jiang, R. K. Kukkadapu, T. Clark, T.J. Roosendaal, G. Coffey, J.E. Shield and S.N. Mathaudhu, "Physical and electrical properties of melt-spun Fe-Si (3-8 wt.%) soft magnetic ribbons," Mater. Charact. 136, 212-220 (2018).
L. Zhang, M. Wang, X. Yan, Y. Lin and J.E. Shield, "Effect of low-melting point phases on the microstructure and properties of spark plasma sintered and hot deformed Nd-Fe-B alloys," J. Magn. Magn. Mater. 452, 483-487 (2018).
J. Zhao, Y. Deng, H. Wei, X. Zheng, Z. Yu, Y. Shao, J.E. Shield and J. Huang, "Strained hybrid perovskite thin films and their impact on the intrinsic stability of perovskite solar cells," Science Advances 3, eaao5616 (2017).
E. Peng, R. Bell, C.A. Zuhlke, M.Y. Wang, D.R. Alexander, G. Gogos and J.E. Shield, "Growth mechanisms of multiscale, mound-like surface structures on titanium by femtosecond laser processing," J. Appl. Phys. 122, 133108 (2017).
X. Chen, X. Zhang, M.A. Koten, H. Chen. Z. Xiao, L. Zhang, J.E. Shield, P.A. Dowben and X. Hong, "Interfacial charge engineering in ferroelectric-controlled Mott transistors," Advanced Materials 29, 1701385 (2017).
R. Skomski, L. Ke, M.J. Kramer, I.E. Anderson, C.Z. Wang, W.Y. Zhang, J.E. Shield and D. J. Sellmyer, "Cooperative and noncooperative magnetization reversal in alnicos," AIP Advances 7, 056222 (2017).
A.T. Tsubaki, M.A. Koten, M.J. Lucis, C.A. Zuhlke, N.A. Ianno, J.E. Shield and D.A. Alexander, "Formation of aggregated nanoparticle spheres through femtosecond laser surface processing," Appl. Surf. Sci. 419, 778-787 (2017).
E. Peng, A. Tsubaki, C.A. Zuhlke, M. Wang, R. Bell, M.J. Lucis, T.P. Anderson, D.R. Alexander, G. Gogos and J.E. Shield, "Micro/Nanostructures formation by femtosecond laser surface processing on amorphous and polycrystalline Ni60Nb40," Appl. Surf. Sci. 396, 1170-1176 (2017).
Voelte-Keegan Nanoscience Research Center
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Four-legged friends are easy to find.
But filmmaker Geoff Talbot is looking for a star with three legs.
Talbot is using Twitter to search for a dog to play Scrap, for a role in his new movie, "Lucky & Rich."
Talbot is asking Twitter users to Tweet the following: "We're searching Twitter 4 a 3 leg dog 2 star in motion picture. Tweet it on. Info@ http://geofftalbot.wordpress.com/help-find-scrap."
But not just any three-legged dog -- Scrap must specifically be missing a hind leg. The dog also must be medium sized with "big cinematic doggie eyes."
Overly aggressive dogs need not apply.
According to Talbot's website, the film will be shot in Prague, in the Czech Republic, in November 2009 or February 2010.


1 Combine Hellmann's® or Best Foods® Real Mayonnaise, green onions and cilantro in small bowl; set aside.
2 Heat oil in 12-inch skillet over medium-high heat and cook onion and garlic, stirring frequently, 3 minutes or until onion is tender. Stir in chicken, tomato, water, Bouillon Cube and chipotle chili. Bring to a boil over high heat. Reduce heat to low and simmer uncovered, stirring occasionally, 10 minutes or until liquid is absorbed. To serve, spoon chicken mixture onto warm tortillas, top with mayonnaise mixture and fold.


A picture of a newborn baby holding his mom's IUD has gone viral.
Mom Lucy Hellein was shocked that she was pregnant after getting a Mirena.
Her doctor couldn't find it in an ultrasound and assumed it fell out.
When her little bundle of joy was born, she discovered that the IUD was behind the placenta the whole time.
IUDs are a pretty safe bet if you're looking for a way to prevent an unexpected pregnancy. But as any doctor will tell you, no form of birth control (other than abstinence, obvs) is 100 percent effective. And if you need further proof of that, take a look at this pic of a newborn baby holding his mom's IUD that's totally gone viral.
When Alabama mom Lucy Hellein and her partner decided that, after two kids, they were done making babies, she opted for an IUD. In fact, Hellein has used two previous IUDs that did their job just as they were meant to.
However, when she had her third Mirena inserted in August, she was floored (to put it mildly) when she found out in December that she was pregnant. "I'll admit I was scared because of the Mirena," she told Metro. Beyond that, when her doctor searched for the IUD (even using an ultrasound), it was no where to be found. "My OB assumed that it had fallen out, but I wasn't convinced."
Fast forward to last week when little Dexter Tyler was born at a healthy 9 lbs, 1 oz via c-section. Apparently, behind the placenta was the missing Mirena. Whoa! Though it was obviously a wild experience, it also gave the parents the perfect chance for a rare opportunity: A pic of their newborn holding his mom's IUD.
Welcome to the world, little Dexter! You definitely have an interesting story behind your extraordinary birth.


Compare Thorp, stateshort} Medigap insurance companies within minutes. Quote comparison is the best way to locate affordable Medicare Supplmental insurance in Thorp. To begin enter your Zip Code and press "Compare Your Options". Our website will search for the best Medigap insurance carriers and providers in Clark county. Finding the best coverage and low cost premium that fit your needs and budget can literally take you 20 minutes or less.
If you do want to get quotes for Medigap policies, you can either contact local insurance providers in Thorp, Wisconsin, or you can use the Internet to help you find them. Submitting your information to these insurance providers will allow them to calculate how much you are going to pay. They will have different policy levels that you can choose from just like any ordinary health insurance policy. The amount that you pay is usually reflective of how much coverage you will have. In many cases, it's better to go with the most expensive plan so that you eliminate the possibility of being blindsided by very expensive medical bills.
Although we had just stated that you should pay the most money for Medigap insurance, this is only reflective of contacting one particular health insurance provider. Your goal is to get multiple quotes from different companies and look at all of the rates collectively. You will see that there are policies that are virtually identical, but they could be several hundred dollars a month less then other policies that are the same. In this case, you will want to choose the Thorp, Wisconsin Medigap policy that is the lowest price which will come from one particular insurance provider.
Educating your self about insurance can assist you in any circumstance. By subsequent these tips, you can turn out to be an knowledgeable client and get the most from your wellness insurance policy.
When assessing well being insurance coverage protection, consider the time to assess estimates on the kind of plan you require. The fees related with insurance coverage will variety extensively in between companies. Undertaking some research on what is covered vs. value of coverage can preserve a lot of cash and time, ought to the require crop up.
Understand the distinctions amongst HMO's, PPO's, and POS ideas and determine what will be the ideal match for your wellness demands. They all have rewards and negatives that will impact the way you pay out for and use your insurance policy. HMO's require offer significantly less flexibility but increased cost, PPO's give you a lot more options nonetheless the expenses can be dear. A POS strategy brings together factors of each HMO's and PPO's.
Your wellness insurance coverage wants modify as you go by way of lifestyle. Periodically, take a seem at your overall health insurance protection to make confident it meets your demands, especially if you have a household. Does it still make sense to stay on your work's well being insurance coverage policy, or does your spouse's coverage supply far better protection for this time in your lives?
If you are arranging to have a infant, look for overall health insurance that consists of maternity coverage, or opt-in to a plan beneath your existing plan. This type of policy addition involves prenatal treatment, maternity prescriptions, and obstetrician visits. Choosing up this protection before you get expecting is a excellent way to preserve funds.
Thoroughly study your entire well being insurance coverage deal, and inquire for clarifications and explanations for issues you do not fairly understand. Your insurance coverage agent need to be prepared and inclined to clarify every little bit of your deal to you, need to the need occur. If he or she give you an response that you never like, you could want to locate a diverse policy.
If you need much more health insurance, do not get out a next policy. Rather, include a "rider" to your current policy. This is typically significantly less pricey. Only in some situations, is it more price productive to take out a 2nd policy. If the particular person is in exceptional well being, you might want to shop about.
Study more than your health care handbook and it will give you a whole lot of understanding that will be valuable in the long term. Your provider will send out you a booklet masking all the details of your plan and studying it protect to go over is the only way to completely understand all of the advantages obtainable to you. Although it could seem a minor cumbersome, you will benefit from being aware of all the information.
If you and your wife or husband are both supplied wellness insurance protection by way of your employers, evaluation both insurance policies very carefully before generating a selection. You may possibly save money by heading with just your coverage, or just your spouse's. It also may well be much less high-priced to insure every single of you individually.
When it arrives to health insurance, you genuinely need to have to research your personal point out. Insurance policies can vary state to state, so you want to make confident you realize what is offered in your possess location. Places like New York can be quite pricey, although other states have a considerably lower expense.
Just before having a infant you need to know about how much you will have to shell out even with wellness insurance policy. If you have a PPO you might stop up spending about $one thousand or even much more for the birth. If you have an HMO your expenses will most likely be a lot lower. It is best to determine it out prior to you get pregnant.
As you can see from this post, overall health insurance policy is complex, but it will not have to be complicated. There are many ways that you can make sure you don't overpay for protection even though even now getting the health-related care that you need to have. Possessing read these ideas, you must be greater geared up to make decisions about your insurance requirements.


Since 1984, Joe Amirault has been helping peoples needs and dreams become a reality. Here is what past clients have said about us. Please call if you have any questions or simply want to discuss your possibilities (614) 873-4224.
This will be updated soon. Please check back.


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Q: What's the difference between Go and Javascript about 0xFFFFFFFF ^ 97 I want to change Go code to Javascript code, but there is one mistake about result that is different between Go and Javascript.
I want to change javascript's result to same as Go's result (0xFFFFFFFF ^ 97)
I try to debug it, and I recognize that 0xFFFFFFFF ^ 97 , in Go is 4294967198 but in javascript it is -98.
In Go:
number1 := 0xFFFFFFFF
number2 := 97
fmt.Print(number1 ^ number2) // 4294967198

In Javascript:
var number1 = 0xFFFFFFFF
var number2 = 97
console.log(number1 ^ number2) // -98

0xFFFFFFFF ^ 97 is different result in Go and Javascript

A: In JavaScript, a bitwise operation (^ is bitwise XOR) converts the numbers signed 32-bit integer, then back to a double. So after the XOR operation is performed, the number is converted back to its default type - IEEE-754 double-precision binary number - and then the result is given.
number -> 32-bit signed integer -> bitwise operation -> IEEE-754 double-precision binary number

GoLang uses unsigned integers (GoLang spec), or, as pointed out by icza, int64 numbers.


The Barclay Hedge Fund Indices are recalculated and updated real-time on this page as soon as the monthly returns for the underlying funds are recorded. The number of funds that are currently included in the calculations for the most recent month can be found in the footnotes above.
Please note that the calculation for each index as well as the number of funds included in the calculation is time-stamped. The number of funds included in the calculation will continue to increase until all funds categorized within the sector have reported monthly returns. For a more complete description on each of the indices including the complete historical data set, please click on the names of the individual indices above.


Becoming our best self is a lifelong process, so we prioritize new experiences, academics and developing life skills.
We are, first and foremost, students. Membership in Delta Zeta is meant to enhance a woman's college education, but learning to balance classroom and social responsibilities is a learned thing. So we've developed programs and services to help our members enjoy academic success. Our women average a 3.15 or greater GPA.
Being More! is a four-year peer-led personal leadership development experience which is based upon a competency model. Throughout their years in college, our members will participate in programs that will assist in their growth across six competencies: Communicates Effectively, Personal Life Balances, Values & Maintains Relationships, Confidence, Critical Thinking and Resolves Conflict. Each academic class will participate in a curriculum designed for them.
Presented by the Delta Zeta Foundation, our professional women's conference is an opportunity for collegians and alumnae to make connections and share ideas and information. Keynotes, panel discussions and roundtable conversations led by successful alumnae provide personal and professional growth to attendees.