Hochschild JL. On the Social Science Wars. Daedalus. 2004;133 (1) :91-94.
In the spring of 2003, as the founding editor of Perspectives on Politics, I helped to launch the first new journal sponsored by the American Political Science Association (APSA) in over a century. The new journal grew out of general disaffection that had been floating around the discipline for years. In political science (as in other fields in the social sciences from economics to anthropology) there has been a kind of simmering war being waged between quantitative and qualitative researchers – and the new journal was, in part, meant to heal the rift.
In short, some of the most prominent members of the discipline, as judged by their appearance in its most selective and prestigious journal, were developing a new type of "science" that left other members of the discipline angry and unimpressed.
Several years later the Association's governing Council approved the creation of a new journal, and eventually selected me to serve as its founding editor.
The new journal's mission was to publish "integrative essays" that would be less specialized than normal research articles and that might "appl[y]… political science to questions of public policy." The committee charged with implementing the Council's directive added additional mandates: the new journal should also include "state of the discipline type essays, book reviews, reviews of literature in other disciplines with relevance to political science, conceptual and methodological essays, [and] a policy forum for debates on current policy issues, among other new materials" [italics added]. Those other new materials might, for example, include "articles similar to those found in Science magazine." The implementing committee concluded, in something of an understatement, that Perspectives on Politics "should publish a very wide range of scholarship" – and by implication should foster a broader conception of "science" in political science than the APSR had been doing..
Although I was not involved in shaping the journal's mandate or design, I share its originators' goals. Like similar journals in other social science disciplines (for example, the Journal of Economic Perspectives, and Context, a new sociology journal), Perspectives on Politics is a response, in part, to a widespread perception that the drive to be "scientific" risks distorting our purposes – and that too many scholars are moving into narrower and narrower specializations, divorced from the concerns of non-specialists.
The respective merits of breadth and depth are a complicated and old issue. To some, specialization is an essential virtue in the face of a wide range of worthy topics and the deepening of knowledge about each; it is evidence of the maturation of the social sciences. Only by specializing does an individual have a chance to develop sufficient substantive and methodological knowledge to develop sharp hypotheses, test them definitively against alternatives, and pinpoint their contribution to theoretical frameworks. Science consists in the cumulation of small advances built on previous small advances, so that whole becomes a good deal greater than sum of its parts.
There is no intrinsic substantive content to this claim about scientific advancement; it can hold for the study of canonical political philosophers, for a particular area of the world, for explaining how a particular institution conducts its business, or for the revelation of hidden discrimination against disadvantaged groups or marginalized populations. It is also not intrinsically opposed to engagement with political or policy concerns; small bits of cumulative, specialized knowledge may be just as important for determining how to combat terrorism or reform tax law as for understanding the median voter theorem in legislative decision-making.
An alternative framework sees increased specialization as insufficient to, or even the downfall of, the social sciences. In this view, the compilation of small, cumulative findings is boring to read and teach, and narrows one's intellectual capacities. True science consists in understanding how the small parts of the world fit together into a larger pattern, and investigating why one set of changes occurs rather than other imaginable ones. Absent a broad vantage point, the ability to consider a problem from multiple perspectives, and the recognition of one's own inevitably partial and biased conceptual lenses, one cannot determine how and why the world works as it does. True science also entails knowing when to give up on a given framework rather than to continue trying to refine it; one cannot imagine alternative paradigms without breadth of vision.
Here too there is no intrinsic link between the call for integrative breadth and any particular topic of study, normative stance, or degree of policy relevance. And here too, the indeterminate signifier of "science" is given a content intended to confer status on a particular set of practices.
Finally, there are many political scientists who do not aspire to the mantel of "science;" they see their enterprise as closer to the humanities or history, in that they seek to give meaning to a phenomenon rather than to provide a causal explanation for it. They too are involved in the methods wars that are roiling the APSA, and are an important constituency for Perspectives on Politics.
Of course, there is no need to insist that the study of politics be a "science," just as there is no logical reason to pit breadth against depth: they are separate rather than conflicting values in science. But any reader, writer, teacher, professional association's budget, or journal editor must make trade-offs at the margins. Perspectives comes down on the side of integrative breadth rather than cumulative depth, but less from a deep commitment about the right way to conduct science than from a perception of the need for a counterweight to most high-status academic journals.
I pointed out earlier that all social sciences are facing this trade-off between breadth and depth in their publications, teaching, and graduate training. Most have begun a journal with a mission similar to Perspectives; in fact, political science was a bit slow on the uptake so we have been able to learn from the experiences of the other disciplines. The underlying conflict over the changing and contested meaning of "science" has, however, taken a different form in each of the four disciplines I know best.
The nastiest fights in political science at present are over methodological frameworks – not over competing political values or appropriate hierarchies of power. That might seem surprising in a discipline that has at its core the analysis of the exercise of power, but it perhaps stems from the very breadth of the discipline. Political science encompasses the canon of political philosophy from Thucydides through Hannah Arendt, and also moves through qualitative research via case studies and historical or institutional analysis to highly technical quantitative analysis and formal reasoning. No other social science covers such a wide epistemological range so deeply; therefore it perhaps makes sense that we argue over how to do our work more than over what our work is about.
The discipline of sociology, in contrast, has largely avoided methods wars, but at the cost of arguably even more painful disputes. In recent years, battles among sociologists have revolved around the roles of race and gender in determining professional standing, and the presumed association of race and gender with differing definitions of science. In the late 1990s, for example, the American Sociological Association became embroiled in a bitter dispute over the editorship of the American Sociological Review. The nominations committee proposed an African American candidate with a slate of editorial board members who collectively presented a strong emphasis on qualitative and/or postmodernist research, sustained attention to issues of hierarchy and stratification, and a commitment to the view that the pursuit of scientific objectivity and precision was a mistaken way to understand the social world. The governing council of the ASA chose a different set of candidates (one of whom was also African American), amid vehement accusations of racism both of specific named individuals, and the ASA as an organization. There have been equivalent battles over gender issues in the ASA, incorporating the same underlying struggle over the meaning of science and the goals of social science analyses.
Economists are much less likely to debate methods for conducting research or to challenge the ascriptive characteristics of researchers; their central fight is over the legitimacy of critiques of neoclassical orthodoxy. Dissident Europeans have begun a movement for "post-autistic economics," and in the United States a tiny tempest in a teapot at Harvard University has been deemed significant enough to be reported in the Weekly Standard and the Economist. A two-semester course of micro- and macro-economics is taught by a senior member of the department, and is the mandatory gateway course for all students who seek to study economics. It is, everyone agrees, totally conventional; that is its purpose. A chaired professor in the Economics department proposed an alternative gateway course in microeconomics that would teach the same textbook, but then explicitly analyze the assumptions underlying neoclassical economics; the department voted almost unanimously not to permit it except as an elective. It is hard to conceive of a sociology or political science department collectively deciding that all students must take one particular two-semester course which is always taught in the same way before taking any other course in the discipline. Science is clearly defined by mainstream economists; the question in that discipline is whether the mainstream can be overturned rather than how broadly it is to be defined.
The discipline of anthropology has, like political science, engaged in disputes over methodology, but in this case the dominant position rejects the validity of positivism and conventional understandings of science. For several decades, the most prominent anthropologists have argued that researchers need to attend ever more to the subjectivity of the researcher, the power dynamics and subtle interplays of communication and emotion between subjects and researchers, and the broad context within which any research endeavor takes place. Good "science" in anthropology, in this view, is a move away from the misguided search for "objective truth," precisely defined and carefully tested causal hypotheses, and the cumulation of small findings; it is a move toward placing the researcher's inevitable biases and partialities at the center of the research process. As in all disciplines, there is disagreement among anthropologists – but there, the backlash against the hegemonic paradigm is swinging in the opposite direction from the equivalent backlash in political science.
In the end, I am reasonably optimistic about the upshot of the social science wars, at least in political science. The APSR is becoming more eclectic in its definitions of good science and other journals may follow its lead. Perspectives on Politics is opening channels for communication across subfields and rival frameworks. And the best graduate students and junior faculty are learning how combine diverse epistemologies and modes of analysis in new and flexible ways – and that is good news for the future of political science.


text:
Man who scared girlfriend so much she fell through first floor window while escaping is jailed
Curtis Peachment, 28, was found guilty of false imprisonment at a hearing last month
Updated 14:29, 5 JAN 2022
Curtis Peachment, 28, of Bowen Square, in Daventry has been sentenced to 28 month in prison (Image: Northamptonshire Police)
A violent thug whose outburst saw a woman fall through a first-floor window, fracturing her spine, has been sentenced to 28 months in prison.
Curtis Peachment, 28, of Bowen Square, in Daventry, was given the sentence today, Monday, July 14 after being found guilty of false imprisonment and pleading guilty to harassment at Northampton Crown Court last month.
His now ex-partner plunged from the first-floor bathroom window of his property in Daventry - a drop of some distance - as she tried to climb out.
The court heard how Peachment was getting ready for a night out in February 2019 when he took issue with what his then-partner was wearing.
Jurors were told that he made her feel so uncomfortable that their evening at the local bar was then cut short.
They arrived at his house just after midnight, and he immediately began berating her one again for her clothing choices.
She then put on her shoes to leave the house, jurors were told.
Policeman shot in face three times speaks for first time about ordeal as man jailed for 11 years
Police hunt for missing Northampton girl, 17
The court heard that it was at this point that Peachment lost his temper, pulling her shoes off and throwing them across the room, telling her she was not allowed to go.
He started pushing and hitting her before the frightened young woman persuaded him to let her go to the bathroom.
When she locked the door, however, Peachment became angry once again and tried to break in, the jury heard.
Bowen Square in Daventry, where the incident happened. The flats are towards the back of the shopping square (Image: Google)
This put the woman in such distress that she climbed out of the first-floor bathroom window, falling onto the ground below, the court was told.
As a result of the fall and Peachment's attack, the woman suffered a fractured vertebrae, a cut to the back of her head, bruising to her eye and a swollen lip.
Despite screaming at him not to touch her, Peachment then picked her up and took her back into the house before locking the door. An ambulance was called a short time later.
At a hearing at the court today, June 14, judge Rupert Mayo said that he was "arrogant" and thought anything that happened to him was "everybody else's fault".
The judge said that while speaking to the probation service, Peachment said he would "rather go to prison" than take responsibility for the crime.
Judge Mayo later obliged him.
He said: "You had no remorse for the impact you had on the victim. You said that she was not the victim - that you were the victim."
As the sentence was handed down, Peachment could be heard shouting "I am innocent" in the courtroom before being taken away.

redpajama_set_name: RedPajamaCommonCrawl


Give up. Lose hope. Just go through motions.
Do what we've always done. Faster. Harder…with fewer results.
Saving Gospel of Jesus Christ.
And adapt to a new, missionary world.
Fundamentally, we hide our eyes from our reality and pretend that the United States has changed…but not that much.
Can't imagine our churches represent Good News to them.
Can't imagine the Bible is an authoritative Word or Jesus as more than one religion's alternative.
Can't imagine why they'd walk through our unlocked Sunday morning front doors.
A positive enough view of the church to actually come.
Some awareness of our conviction that Jesus was at least central to what we believed.
Respected pastors as positive influences.
On the scale, I'd put them "close" to the responding to the Spirit working through the means of grace. A worship service…an evangelism visit…event…class…message… I don't want to make it sound easy or simple. Just to say that the journey from where they "were" to "believing in Jesus" was a much shorter distance for many of them.
Today's missionary world–and with each successive generation it's more pronounced–the journey is loooooonnnnnnngggggeeeeeerrrrrr! Add lots of time, a place where relationship and trust can be built. It's a process! Mix in some common interest in a cause to be fixed.
Because today's missionary world reality? Isn't likely to….
Assume good things in your church.
Respect what you believe or the heart with which you live.
They land much farther away on the scale.
I'm tremendously optimistic. I see lots of good signs on the horizon. The biggest obstacle I see is not God and His ability to work or even the dismissive posture of our world. The biggest obstacle I see is the church that can't see that the world has changed…really changed! Good, godly people in your church, I'm guessing, want your church to be vibrant, healthy, seeing people come to faith, hearing young children rustling in church, babies crying, seats filled, singing vibrant, parking lot full…. But they haven't embraced the fact that wonderful, unbelieving people that actually care about a lot of things need a missionary to reach them.
It's adapting to a world that didn't exist a few years ago! And that's a leadership challenge.
PLI is committed to training young women and men to become missionary disciples where they live, work and play. The next cohort of 1000 Young Leaders starts on April 1! Who do you know that you need to talk to? See the webinar information below or contact 1000YL team.
PLI is committed to training pastors and spouses and congregational leaders to excel in character and competency as they lead their congregations to embrace this new world with faith and boldness. Leadership Essentials Houston begins in March with other learning communities starting later this year. Contact Raechel.
We believe that your culture of discipleship and mission can be fueled through the training of your young leaders.
We are hosting an online webinar for anyone between the ages of 21-36 who might be interested in learning more about 1,000 Young Leaders. This 60-75 minute presentation will share the vision of 1,000 Young Leaders and demonstrate our online digital platform. There will also be time for people to ask questions!
Create a list of the 21-36 year-olds in your life, congregation, or networks who love Jesus and might want to grow in their ability to live on mission and make disciples.
Reach out to them and tell them that you believe in them and what God is doing through them.
Ask them if there is anyway that they could log on for this webinar because you believe it could make a significant impact in their life.
If you can, RSVP your leaders, or have them RSVP here so we know who is coming https://goo.gl/forms/Y3UKlGzWCdi2uFAk1.


Meaning of Shadrach, Meshach, Abednego?
What do Daniel's friends names mean?
Shadrach = "Royal" or "Great Scribe"
Meshach = "Guest of the King"
Abednego [Abed-Nego] = "Servant of Nebo"
These were the Godly friends of Daniel: Hananiah, Mishael, Azaraiah.
Nebuchadnezzar renamed them Shadrach, Meshach and AbedNego.
Courageously, they, along with Daniel, refused to make themselves unclean by eating food from the king's table which went against the dietary laws which God had given the Jews. They were also thrown into the fiery furnace for refusing to bow down to a graven image set up by Nebuchadnezzar and who were saved by the angel of the Lord.


text:
EMU - Relay Sweep Concludes Jesse Owens Classic
COLUMBUS, Ohio (EMUEagles.com) – The Eastern Michigan University men's track and field team wrapped up the Jesse Owens Classic today, April 23, down in Columbus, Ohio. The highlight of the day came in the relays, with the team winning both events.
Sophomore Brandon Bolden (Solon, Ohio – Solon) led the Eagles in the 100m dash, placing 13th after crossing the finish line in 10.73. Behind him, both freshman Aitor Ekobo (Madrid, Spain - Jose Luis Lopez Aranguren Secondary School) and redshirt junior Nick James (Troy, Ohio – Troy) set career-best times of 10.80 and 10.82, respectively. In the 400m dash, senior Mason Waynes (Kenosha, Wis. - Bradford) brought home a top-10 finish, nabbing sixth in 48.58.
Eastern then had a total of eight runners take part in the 800m, with senior Scott Bradley (Battle Creek, Mich. – Lakeview) leading the pack by taking fifth in 1:51.29. Hot on his tail, redshirt junior Willy Fink (Maumee, Ohio – Maumee) placed 13th with a time of 1:53.25, while sophomore Csaba Matko (Racalmas, Hungary - Szechenyi Istvan Gimnazium) posted a time of 1:53.26. Rounding out the top-five EMU runners were redshirt sophomores Nick Raymond (Erie, Mich. – Mason) and Hlynur Andresson (Vestmannaeyjar, Iceland – Mountain Ridge) with personal-best times of 1:55.29 and 1:55.32, respectively.
The Green and White swept the field in both relays on the day, taking home the gold in both the 4x100m and the 4x400m relay races. The group of Bolden, Ekobo, senior Jeff Elam (Latrobe, Pa. – Greater Latrobe Senior), and junior Tyler Brown (Findlay, Ohio – Findlay) crossed the finish line in 40.76 to take the 4x100 title, while Elam, senior Matthew Williams (Moreno Valley, Calif. – Vista Del Lago), Waynes, and Brown won the 4x400m in 3:09.33.
The Eagles also had a duo take part in the 400m hurdles, with sophomore Mark Cooke (Edison, N.J. – John P. Stevens) finishing 11th in 55.08. Freshman Elijah Barber (Columbus, Ohio – Eastmoor Academy) also ran in the race, where he posted a career-best time of 56.10.
A trio of freshmen represented EMU in the jumps, as Nicholas Herbert (Portage, Mich. – Portage Northern), Cameron Hart (Columbus, Ohio – Bishop Hartley), and Micah Peters (York, Ontario – Vaughn Road Academy) rounded out all three events. Herbert participated in both the long jump and the triple jump, with his top finish coming in the long jump after placing seventh with a career-best mark of 7.03 meters/ 23 feet 1-inch. Hart was the lone EMU competitor in the high jump, taking eighth with a jump of 1.98 meters/ 6 feet 6-inches. Finally, Peters finished sixth in the triple jump after posting a jump of 14.35 meters/ 47 feet 1-inch, which was a personal-best.
Finally, the team had two finish within the top-10 in the hammer throw. Redshirt senior Keith Williams (Sherman, Ill – Williamsville) paced the group, finishing fourth with a throw of 61.62 meters/ 202 feet 2-inches. Also placing within the top-10 was redshirt junior Anthony Jones (Sandusky, Ohio – Sandusky), who nabbed seventh with a mark of 57.91 meters/ 190 feet.
Next week, the team will take part in the Drake Relays out in Des Moines, Iowa. The three-day meet will begin Thursday, April 28, and conclude Saturday, April 30.
13. Brandon Bolden 10.73
16. Aitor Ekobo 10.80*
19. Nick James 10.82*
Nick James DQ
6. Mason Waynes 48.58
Tyler Brown DNS
5. Scott Bradley 1:51.29
13. Willy Fink 1:53.25*
14. Csaba Matko 1:53.26*
21. Nick Raymond 1:55.29*
22. Hlynur Andresson 1:55.32*
24. Tom Jozwiak 1:55.66*
27. Kieran Reilly 1:56.85*
29. Mitch Lenneman 1:59.73*
1. Bolden, Ekobo 40.76
Elam, Brown
1. Elam, Williams 3:09.33
Waynes, Brown
11. Mark Cooke 55.08
19. Elijah Barber 56.10*
Jeff Elam DNS
7. Nicholas Herbert 7.03m/ 23-01.00*
8. Cameron Hart 1.98m/ 6-06.00
6. Micah Peters 14.35m/ 47-01.00*
14. Nicholas Herbert 12.87m/ 42-02.75
4. Keith Williams 61.62m/ 202-02.00
7. Anthony Jones 57.91m/ 190-00.00
12. Andrew Wentz 54.13m/ 177-07.25


( ) 1. Who's ___________math teacher?
( ) 2. What is ___________like?
( ) 3. Mr. Carter is_______ English teacher.
( ) 4.__________strong? Yes, he is.
( ) 5 Who is that__________ ?
A. He is very funny.
B. His class is so much fun.
C. He is very active.
A. Is she your math teacher?
B. He is your new math teacher.
C. Is he your new math teacher?
( ) Yes, he is. And he is funny, too.
( ) Really? What is he like?
( ) Is he strict?
( ) I have a new P.E. teacher.
( ) He is tall and strong.
Amy: Who is your math teacher, Peter?
Peter: Miss White. She is young and pretty. What is your math teacher like?
Amy: He is nice .He is very kind. Is your mother tall?
Peter: Yes, she is. She is a principal. What is your sister like?
Amy: She is thin and active. She is a student. What is your brother like?
Peter: He is short and thin. He has two lovely dogs.
We have a ___________ ___________ ____________. He's Mr.Brown.He'sfrom___________.He's______________and______________. He is _________, too. His classes are___________ ___________ fun. We all like him.


text:
Magic Lantern Slides
1600s1700s1800sartcommunityfilmmakingglasshistorylightmuseumpaintingphotosstorytellingtechnologytheaterV&A museum
Magic lantern slides brought the world to life in pictures. The first lantern slides were created in the 1600s, around 200 years before photography was invented and they provided spectacular entertainment and education in the way that cinema does today. The first slides were made by painting images on to small pieces of glass and people viewed the slides by shinning candlelight or gaslight through them.
The Victoria and Albert Museum chronicles the history of magic lantern slides while sharing their collection in the video above. Learn more about the medium at MagicLanternSociety.org and at the V&A: From the Royal Albert Hall to the Victorian Home: The Many Uses of the Magic Lantern.
Plus, see a bit more of the magic in this 2016 Laterna Magica Galantee promo video from The Academy of Film and the Arts (AFA) in Belgium:
Related videos include how the V&A recreated an 18th-century Mechanical Theatre, L'homme à la tête de caoutchouc (1901) – Georges Méliès, and the roller skating scene from Charlie Chaplin's Modern Times.
Bonus: Walt Disney explains his studio's multiplane camera technology.
What does 'Auld Lang Syne' mean?
The Writer, a drawing machine automaton by Pierre Jaquet-Droz
Rion Nakaya November 12, 2013 September 16, 2019
The V&A's Alice: Curiouser and Curiouser
Rion Nakaya March 18, 2021 November 30, 2022
The Tramp meets a flower girl in City Lights
Rion Nakaya November 27, 2018 June 27, 2022
The Silver Swan, an 18th century automaton at the Bowes Museum
Rion Nakaya December 20, 2017 March 16, 2022
The roller skating scene from Charlie Chaplin's Modern Times
Rion Nakaya October 10, 2017 June 11, 2020
The Research Institute LEGO set, a V&A Object in Focus
Rion Nakaya March 3, 2022 March 3, 2022
The Exhale Bionic Chandelier: Microorganism-filled 'leaves' that 'breathe'
Rion Nakaya February 6, 2018 March 1, 2021


text:
Q: Diffrence between host and baseurl in ktor I am not able to completely understand the difference between host and baseUrl in ktor. I need to set a baseURL for my project and I have been through this and this youtrack issues but both of them suggests a little different approach and I confused what to choose. I can set host = "baseurl" in defaultrequest and then simply use
httpClient.post<T> {
    url("suffix here")
}

and it works. But am not sure if this is this the correct way and if it is then does it mean host works same as baseURL which we have in retrofit and okhttp.

A: What you're doing works because of the way that URLBuilder.takeFromUnsafe() is implemented. This function is responsible for parsing your "suffix here" value into a url - it does so by setting only the portions of the url that it can identify in the string you're passing in. See URLParser.kt#28 for more details.
Is it safe - yes. Is it a good idea? I don't think so. It's implicit and relies on future developers being familiar with the baseUrl approach used by other libraries (okhttp and retrofit).

redpajama_set_name: RedPajamaStackExchange


While posting onsite, you agree that OGFLIP forbids anything blackhat or stolen to be sold here.
Your account will be warned or banned if you're caught selling stolen or illegal goods.
2. No selling of accounts of competing forums.
3. No adult website accounts.
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All virtual items can be sold here. Such as: Fifa coins, RS gold, CSGO items, etc.
Hosting services, domain trading, and general website selling can be found here.
Selling GET MONEY OUT OF A LIMITED PAYPAL!
Selling [AUTOBUY] Make money off designer Method!
Selling [AUTOBUY] Get Pelican Products For Free & Make BANK FROM THEM.


text:
Juan Pablo Cardenal Nicolau (* 1968 in Barcelona, Spanien) ist ein spanischer Journalist und Autor.

Leben
Cardenal hat 10 Jahre Erfahrung in den Ländern Asiens gemacht. Er ist derzeit Korrespondent für die Madrider Tageszeitung El Mundo sowie die spanische Wirtschaftszeitung El Economista. Er lebt und arbeitet in Hongkong.

Zusammen mit dem spanischen Korrespondenten Heriberto Araújo, der in Peking in der Volksrepublik China arbeitet und lebt, schrieb er zwei Bücher über die Expansion chinesischer Unternehmer und Firmen in der ganzen Welt. Das erste der beiden Bücher wurde 2014 in deutscher Sprache veröffentlicht.

Veröffentlichungen
 China. J. C. y A., Madrid 2010, ISBN 978-84-92936-04-5.
 mit Heriberto Araújo: La silenciosa conquista china. Memoria Crítica, Grupo Planeta, Barcelona 2011, ISBN 978-84-9892-257-8.
 deutsch: Der große Beutezug – Chinas stille Armee erobert den Westen. Hanser, München 2014, ISBN 978-3-446-43871-2.
 mit Heriberto Araújo: El imperio invisible. Memoria Crítica, Grupo Planeta, Barcelona 2013, ISBN 978-84-9892-626-2.

Weblinks
 Biografie (es.)

Einzelnachweise

Journalist (Spanien)
Autor
Person (Barcelona)
Spanier
Geboren 1968
Mann

redpajama_set_name: RedPajamaWikipedia


When it comes to picking robo-advisors, most affluent investors flock to familiar, brand-name financial firms that are well-known for handling retirement accounts and other types of accounts for tens of millions of Americans. And you can use the reasons why they do that to help build your own financial advisory practice.
Fidelity Investments, Vanguard and Charles Schwab provide robo-advisory services to more than half — 56%, to be precise — of all affluent investors who use robo-advisors, according to a new survey by consulting and research firm Spectrem Group.
The Fidelity Go service is the choice of 27% of the affluent users of robo advisors. Another 16% use Vanguard Personal Advisor Services. And 13% use Schwab Intelligent Portfolios.
Other robo-advisory services hold only single-digit shares of their affluent clients. For instance, 8% of the investors use AssetBuilder.
Why are the Fidelity, Vanguard and Schwab offerings the most popular robo-advisory services? "A lot of the reason has to do with their entire brands," said Randy Wostratzky, a director of Spectrem. "It's not just from their visibility as a robo-advisor, but a lot of it has to do with the key roles they play in the 401(k), 403(b), 529 and IRA space."
Also, those firms survived the 2007-08 financial crisis without damage to their reputations, Wostratzky says. "Unlike banks that were associated with the housing crisis and financial institutions involved with (subprime) predatory loans, nothing happened to those three firms to make them less trustworthy to most investors," Wostratzky said.
The survey results offer guidance for human financial advisors, Wostratzky says.
"There's a reason clients use human as well as robo-advisors," he said. "Humans can do some things better than robos, like putting together investment plans and adjusting plans (in response to) life events."
Many firms offer robo-advisor platforms to clients who are young and have not accumulated a lot of assets. "Human advisors at those firms need to stress to those young clients that as their assets accumulate and their financial blueprint becomes more complex, they can offer other services that robos are not truly able to offer."
Part of the appeal of Fidelity, Vanguard and Schwab is that they also offer advice from human advisors, Wostratzky says. "Some things are still better done by humans than by robos," he said.
The investors Spectrem surveyed had at least $100,000 in net worth not including their primary residence.
The surveyed also found that affluent robo-advisor clients overwhelmingly tend to be confident in their own investment knowledge. A whopping 90% of affluent clients see themselves as fairly or very knowledgeable about investments.
Just 9% consider themselves not very knowledgeable, and only 1% say they are not knowledgeable at all.
Those using robo-advisors also tend to be younger than nonusers. The average age of wealthy robo-advisory clients is 48 vs. 61 for nonusers.
And wealthy robo-advisor clients do not put all of their eggs in any one basket. They allocate 37% of their assets to a robo-advisor, on average. They assign another 28% to a human financial advisor. And they control the remaining 35% by themselves.
In fact, only 13% of robo-advisor clients treat the robo as their primary advisor.


text:
Savage Country
By Robert Olmstead
"The year was 1873 and all about was the evidence of boom and bust, shattered dreams, foolish ambition, depredation, shame, greed, and cruelty . . ."
Onto this broken Western stage rides Michael Coughlin, a Civil War veteran with an enigmatic past, come to town to settle his dead brother's debt. Together with his widowed sister-in-law, Elizabeth, bankrupted by her husband's folly and death, they embark on a massive, and hugely dangerous, buffalo hunt. Elizabeth hopes to salvage something of her former life and the lives of the hired men and their families who now depend on her; the buffalo hunt that her husband had planned, she now realizes, was his last hope for saving the land.
Elizabeth and Michael plunge south across the aptly named "dead line" demarcating Indian Territory from their home state of Kansas. Nothing could have prepared them for the dangers: rattlesnakes, rabies, wildfire, lightning strikes, blue northers, flash floods—and human treachery. With the Comanche in winter quarters, Elizabeth and Michael are on borrowed time, and the cruel work of harvesting the buffalo is unraveling their souls.
Bracing, direct, and quintessentially American, Olmstead's gripping narrative follows that infamous hunt, which drove the buffalo to near extinction. Savage Country is the story of a moment in our history in which mass destruction of an animal population was seen as a road to economic salvation. But it's also the intimate story of how that hunt changed Michael and Elizabeth forever.
Robert Olmstead
"Robert Olmstead gets better with every book. If you know all of his previous books, you know how startling this fact is, and how startlingly good this writer is."
─Tom Franklin, author of Crooked Letter, Crooked Letter
"The precision and poetry of the author's language have a paradoxical effect: they make the setting strange and distinct while imbuing characters and their actions with a particular immediacy . . . A story about America told through its land and its animals and its diverse people and, especially, through the experiences of two vivid, singular, powerful characters. Another gorgeous, brutal masterpiece from a great American writer."
─Kirkus Reviews (starred review)
"This is a powerful depiction of the brutality of the Old West, where life was cheap and easily taken."
─Publishers Weekly
"Fans of Larry McMurtry's Lonesome Dove will enjoy this thoroughly researched epic Western."
─Library Journal
"[A] deeply emotional experience . . . Savage Country is an unforgettable, unflinching, yet distinctly moving story of human greed and desire."
─BookPage
"Like so many outstanding novels about the taming of the West, there is a tragic ambiguity at the heart of Olmstead's brutal but beautiful tale of the last buffalo hunt. For a certain kind of uncompromising yet lyrical writer – think Cormac McCarthy, Larry McMurtry, or William Kittredge – the West offers a stage for a special kind of archetypal, almost Shakespearean tragedy, and Olmstead makes the most of it."
─Booklist (starred review)
"[Olmstead] has crafted another dark, contemplative western with his new novel . . . his brutally spare sentences create an apocalyptic mood reminiscent of Cormac McCarthy's Border Trilogy."
─ Shelf Awareness (starred review)
"[A] majestic, thrilling tale of a small band of people hunting buffalo in the territory south of Kansas in the tense and unpredictable years after the Civil War."
─Columbus Dispatch


It's high time for breathtaking adventures, reckless feats and unforgettable stories! The game Enchanted Cavern 2 resembles fairytales from the magnificent collection of Arabian Nights with their sly pilferers, noble guards and incredible treasures! The story of young vagrant Ali was quite similar to thousands sad stories of other pilferers and frauds, but this boy was luckier than his predecessors, that's why his life story was glorified in legends! Ali's parents died from fever when the boy was very small and the boy's uncle, greedy for wealth, took the house and threw Ali to the dusty streets of the large town. The brought up in luxury child joined the company of notorious brigands and thieves and in 10 years became the leader of this gang. But even being a thief Ali stayed noble and kind, he robbed the merchants and gave money and cloths to all indigent. His uncle died and the house of Ali's ancestors came into possession of the sultanate. Being unable to pay the house off the mortgage, Ali decided to find money to return his house. And he remembered the age-old fable about mystique cavern full of treasures. In the game Enchanted Cavern 2 you are to help the reckless boy get rich loot from the cavern! Click on groups of three or more identically colored tokens to destroy them and remove stones from jewels! Break two or more groups of tokens in a row to create a combo. Creating the combos increases the points' multiplayer. Play the game Enchanted Cavern 2 and help Ali earn a fortune and return his house!


Your needs and schedule will determine how best to serve you. Some requests for special arrangements to complete the course require written requests by the student to us that then in turn is submitted to the national testing companies for approval. We value your success and will do all we can to provide any and all tools and materials available to us. Contact us to discuss any concerns you may have in this area.


text:
using ChaosCMS.Rendering;
using Newtonsoft.Json;
using System;
using System.Collections.Generic;
using System.Linq;
using System.Text;
using System.Threading.Tasks;

namespace ChaosCMS.Models.Pages
{
    /// <summary>
    /// Content Class
    /// </summary>
    public class Content
    {
        /// <summary>
        /// The name of the content
        /// </summary>
        public string Name { get; set; }
        /// <summary>
        /// The Type of the content
        /// </summary>
        public string Type { get; set; }
        /// <summary>
        /// The value of the content
        /// </summary>
        public string Value { get; set; }

        /// <summary>
        /// The underlying Content
        /// </summary>
        public List<Content> Children { get; set; } = new List<Content>();

        /// <summary>
        ///
        /// </summary>
        /// <typeparam name="TResult"></typeparam>
        public TResult GetValue<TResult>() where TResult : RenderOptions
        {
            var result = JsonConvert.DeserializeObject<TResult>(Value);
            return result;
        }

        /// <summary>
        ///
        /// </summary>
        /// <typeparam name="TResult"></typeparam>
        public void SetValue<TResult>(TResult value) where TResult : RenderOptions
        {
            this.Value = JsonConvert.SerializeObject(Value);
        }
    }
}

redpajama_set_name: RedPajamaGithub