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2 Top Warren Buffett Stocks to Buy in 2023 and Hold Forever
In many ways, investing is like any other discipline. To get better at it, it helps to model what experts are doing. And there aren't many investing specialists that are more recognized than Warren Buffett. The Oracle of Omaha has an impeccable track record, having led Berkshire Hathaway (BRK.A -0.01%) (BRK.B 0.01%) for decades while generally beating the stock market. At the very least, some of Buffett's favorite stocks are worth considering. And two in particular that stand out are Apple (AAPL -0.41%) and his very own Berkshire Hathaway. Read on to find out why.
Tech giant Apple is the largest holding in Berkshire Hathaway's portfolio. Buffett is a fan of the company; he once said it is "probably the best business I know in the world." What makes Apple such a fantastic company? Perhaps it is its ability to reinvent technologies. Apple's most popular products are not the company's brand-new creations from scratch; they are new and clever takes on existing products that managed to attract millions of customers worldwide.
But beyond Apple's technological prowess, the company successfully built a competitive advantage, something Buffett is fond of. Apple's brand is highly recognizable, valuable, and powerful, as evidenced by the fact that customers continued to buy the company's expensive (and, for the most part, nonessential products) last year amid near 40-year high inflation and other economic problems. Further, the company's ecosystem benefits from high switching costs.
For iPhone users, jumping ship to an Android device involves transferring files, an incredibly inconvenient task many choose to avoid. Some surveys have found that the iPhone has the highest loyalty rate — above 90% — of all major smartphone brands. That's why the company has over 1 billion iPhone users worldwide.
And this massive installed base will become increasingly more important for Apple as it finds new and improved ways to monetize it. The company's push into the fintech world looks particularly promising, at least in my view. Apple is a cash-generating machine, with a free cash flow of about $111.4 billion.
The company has the funds to pour money into new profitable ventures. Apple's shares have dropped by 22% in the past year, partly due to supply chain and manufacturing problems. But the company's earnings, track record, and prospects are too attractive to ignore. Buying Apple's shares right now while they hover around their 52-week lows is a great move.
2. Berkshire Hathaway
Berkshire Hathaway has been performing better than most in this market downturn. Shares are slightly in the green in the past year as of this writing. There are many reasons why this major conglomerate is an ideal stock to buy when the economy is down (or even when it isn't). The first is that Berkshire Hathaway owns a large portfolio of businesses in various industries, granting it a solid degree of diversification.
Some of Berkshire Hathaway's best-known subsidiaries include insurance giant Geico, battery manufacturer Duracell, and clothing specialist Fruit of the Loom. Berkshire Hathaway's diversification allows it to handle economic shocks since it isn't too dependent on just one or two businesses. Second, Berkshire Hathaway's track record against the market, especially since Buffett took over in 1965, is impressive.
BRK.A data by YCharts
While past performance is no guarantee of future success, the company has performed that well because of Buffett and his team's guidance and investing philosophy. Owning shares of Berkshire Hathaway means owning a company led by one of the best investors ever — two if you include Charlie Munger.
And there are few things more critical to the long-term success of a business than the management team leading it. But it also raises an issue. Both Buffett and Munger are in their 90s. What happens when the company has to transition to the next era of leadership?
The person chosen to step up when that happens is Gregory Abel, who currently serves as the chairman of Berkshire Hathaway's non-insurance operations and is the CEO of Berkshire Hathaway Energy. Abel has been at the company since 1999 and has presumably learned enough from Buffett to "keep the culture," in the words of the Oracle of Omaha.
That is Buffett's way of ensuring investors that Berkshire Hathaway has promising prospects with or without him at the helm. Most investors interested in Berkshire Hathaway will gravitate toward the class B shares, BRK.B. For one, Berkshire Hathaway's original BRK.A stock — having provided amazing returns over decades — is substantially more expensive: Shares are currently changing hands for $461,300.
Meanwhile, the company's class B shares are a much more affordable $305. That is one of the reasons why Buffett and his team introduced lower-priced shares: To give the average investor a chance to own the stock. And although class B shares have some downsides, including lower voting rights, the two are otherwise pretty similar, although Class A shares can be converted to class B, but not vice-versa.
For most investors, the Class B shares will be worth the lower price point over long periods. What's more important than which class of shares one buys is that Berkshire Hathaway's long-term future could look much like its past, and that is more than enough reason to purchase the conglomerate's shares.
Prosper Junior Bakiny has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Apple and Berkshire Hathaway. The Motley Fool recommends the following options: long January 2023 $200 calls on Berkshire Hathaway, long March 2023 $120 calls on Apple, short January 2023 $200 puts on Berkshire Hathaway, short January 2023 $265 calls on Berkshire Hathaway, and short March 2023 $130 calls on Apple. The Motley Fool has a disclosure policy.
'It's not easy to get rich quick' — but stealing these 3 frugal habits from Warren Buffett can help speed up the process
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Tag Archives: management
Columns, Physics, Quantitative Finance, The Wilmott Magazine
Chaos and Uncertainty
November 13, 2008 manoj
The last couple of months in finance industry can be summarized in two words — chaos and uncertainty. The aptness of this laconic description is all too evident. The sub-prime crisis where everybody lost, the dizzying commodity price movements, the pink slip syndrome, the spectacular bank busts and the gargantuan bail-outs all vouch for it.
The financial meltdown is such a rich topic with reasons and ramifications so overarching that all self-respecting columnists will be remiss to let it slide. After all, a columnist who keeps his opinions to himself is a columnist only in his imagination. I too will share my views on causes and effects of this turmoil that is sure to affect our lives more directly than anybody else's, but perhaps in a future column.
The chaos and uncertainty I want to talk about are of different kind — the physics kind. The terms chaos and uncertainty have a different and specific meanings in physics. How those meanings apply to the world of finance is what this column is about.
Symmetries and Patterns
Physicists are a strange bunch. They seek and find symmetries and patterns where none exists. I remember once when our brilliant professor, Lee Smolin, described to us how the Earth could be considered a living organism. Using insightful arguments and precisely modulated articulation, Lee made a compelling case that the Earth, in fact, satisfied all the conditions of being an organism. The point in Lee's view was not so much whether or the Earth was literally alive, but that thinking of it as an organism was a viable intellectual pattern. Once we represent the Earth in that model, we can use the patterns pertaining to organism to draw further predictions or conclusions.
Expanding on this pattern, I recently published a column presenting the global warming as a bout of fever caused by a virus (us humans) on this host organism. Don't we plunder the raw material of our planet with the same abandon with which a virus usurps the genetic material of its host? In addition to fever, typical viral symptoms include sores and blisters as well. Looking at the cities and other eye sores that have replaced pristine forests and other natural landscapes, it is not hard to imagine that we are indeed inflicting fetid atrocities to our host Earth. Can't we think of our city sewers and the polluted air as the stinking, oozing ulcers on its body?
While these analogies may sound farfetched, we have imported equally distant ideas from physics to mathematical finance. Why would stock prices behave anything like a random walk, unless we want to take Bush's words (that "Wall Street got drunk") literally? But seriously, Brownian motion has been a wildly successful model that we borrowed from physics. Again, once we accept that the pattern is similar between molecules getting bumped around and the equity price movements, the formidable mathematical machinery and physical intuitions available in one phenomenon can be brought to bear on the other.
Looking at the chaotic financial landscape now, I wonder if physics has other insights to offer so that we can duck and dodge as needed in the future. Of the many principles from physics, chaos seems such a natural concept to apply to the current situation. Are there lessons to be learned from chaos and nonlinear dynamics that we can make use of? May be it is Heisenberg's uncertainty principle that holds new insights.
Perhaps I chose these concepts as a linguistic or emotional response to the baffling problems confronting us now, but let's look at them any way. It is not like the powers that be have anything better to offer, is it?
Chaos Everywhere
In physics, chaos is generally described as our inability to predict the outcome of experiments with arbitrarily close initial conditions. For instance, try balancing your pencil on its tip. Clearly, you won't be able to, and the pencil will land on your desktop. Now, note this line along which it falls, and repeat the experiment. Regardless of how closely you match the initial conditions (of how you hold and balance the pencil), the outcome (the line along which it falls) is pretty much random. Although this randomness may look natural to us — after all, we have been trying to balance pencils on their tips ever since we were four, if my son's endeavours are anything to go by — it is indeed strange that we cannot bring the initial conditions close enough to be confident of the outcome.
Even stranger is the fact that similar randomness shows up in systems that are not quite as physical as pencils or experiments. Take, for instance, the socio-economic phenomenon of globalization, which I can describe as follows, admittedly with an incredible amount of over-simplification. Long time ago, we used to barter agricultural and dairy products with our neighbours — say, a few eggs for a litre (or was it pint?) of milk. Our self-interest ensured a certain level of honesty. We didn't want to get beaten up for adding white paint to milk, for instance. These days, thanks to globalization, people don't see their customers. A company buys milk from a farmer, adds god knows what, makes powder and other assorted chemicals in automated factories and ships them to New Zealand and Peru. The absence of a human face in the supply chain and in the flow of money results in increasingly unscrupulous behaviour.
Increasing chaos can be seen in the form of violently fluctuating concentrations of wealth and fortunes, increasing amplitudes and frequency of boom and bust cycles, exponential explosion in technological innovation and adaptation cycles, and the accelerated pace of paradigm shifts across all aspects of our lives.
It is one thing to say that things are getting chaotic, quite another matter to exploit that insight and do anything useful with it. I won't pretend that I can predict the future even if (rather, especially if) I could. However, let me show you a possible approach using chaos.
One of the classic examples of chaos is the transition from a regular, laminar flow of a fluid to a chaotic, turbulent flow. For instance, when you open a faucet slowly, if you do it carefully, you can have a pretty nice continuous column of water, thicker near the top and stretched thinner near the bottom. The stretching force is gravity, and the cohesive forces are surface tension and inter-molecular forces. As you open the faucet still further, ripples begin to appear on the surface of the column which, at higher rates of flow, rip apart the column into complete chaos.
In a laminar flow, macroscopic forces tend to smooth out microscopic irregularities. Like gravity and surface tension in our faucet example, we have analogues of macroscopic forces in finance. The stretching force is probably greed, and the cohesive ones are efficient markets.
There is a rich mathematical framework available to describe chaos. Using this framework, I suspect one can predict the incidence and intensity of financial turmoils, though not their nature and causes. However, I am not sure such a prediction is useful. Imagine if I wrote two years ago that in 2008, there would be a financial crisis resulting in about one trillion dollar of losses. Even if people believed me, would it have helped?
Usefulness is one thing, but physicists and mathematicians derive pleasure also from useless titbits of knowledge. What is interesting about the faucet-flow example is this: if you follow the progress two water molecules starting off their careers pretty close to each other, in the laminar case, you will find that they end up pretty much next to each other. But once the flow turns turbulent, there is not telling where the molecules will end up. Similarly, in finance, suppose two banks start off roughly from the same position — say Bear Stearns and Lehman. Under normal, laminar conditions, their stock prices would track similar patterns. But during a financial turbulence, they end up in totally different recycle bins of history, as we have seen.
If whole financial institutions are tossed around into uncertain paths during chaotic times, imagine where two roughly similar employees might end up. In other words, don't feel bad if you get a pink slip. There are forces well beyond your control at play here.
Uncertainty Principle in Quantitative Finance
The Heisenberg uncertainty principle is perhaps the second most popular theme from physics that has captured the public imagination. (The first one, of course, is Einstein's E = mc2.) It says something seemingly straightforward — you can measure two complementary properties of a system only to a certain precision. For instance, if you try to figure out where an electron is (measure its position, that is) more and more precisely, its speed becomes progressively more uncertain (or, the momentum measurement becomes imprecise).
Quantitative finance has a natural counterpart to the uncertainty principle — risks and rewards. When you try to minimize the risks, the rewards themselves go down. If you hedge out all risks, you get only risk-free returns. Since risk is the same as the uncertainty in rewards, the risk-reward relation is not quite the same as the uncertainty principle (which, as described in the box, deals with complementary variables), but it is close enough to draw some parallels.
To link the quantum uncertainty principle to quantitative finance, let's look at its interpretation as observation altering results. Does modelling affect how much money we can make out of a product? This is a trick question. The answer might look obvious at first glance. Of course, if we can understand and model a product perfectly, we can price it right and expect to reap healthy rewards. So, sure, modelling affects the risk-reward equation.
But, a model is only as good as its assumptions. And the most basic assumption in any model is that the market is efficient and liquid. The validity of this assumption (or lack thereof) is precisely what precipitated the current financial crisis. If our modelling effort actually changes the underlying assumptions (usually in terms of liquidity or market efficiency), we have to pay close attention to the quant equivalent of the uncertainty principle.
Look at it this way — a pyramid scheme is a perfectly valid money making model, but based on one unfortunate assumption on the infinite number of idiots at the bottom of the pyramid. (Coming to think of it, the underlying assumption in the sub-prime crisis, though more sophisticated, may not have been that different.) Similar pyramid assumptions can be seen in social security schemes, as well. We know that pyramid assumptions are incorrect. But at what point do they become incorrect enough for us to change the model?
There is an even more insidious assumption in using models — that we are the only ones who use them. In order to make a killing in a market, we always have to know a bit more than the rest of them. Once everybody starts using the same model, I think the returns will plummet to risk-free levels. Why else do you think we keep inventing more and more complex exotics?
The current financial crisis has been blamed on many things. One favourite theory has been that it was brought about by the greed in Wall Street — the so-called privatization of profits and socialization of losses. Incentive schemes skewed in such a way as to encourage risk taking and limit risk management must take at least part of the blame. A more tempered view regards the turmoil as a result of a risk management failure or a regulatory failure.
This column presents my personal view that the turmoil is the inevitable consequence of the interplay between opposing forces in financial markets — risk and rewards, speculation and regulation, risk taking and risk management and so on. To the extent that the risk appetite of a financial institute is implemented through a conflict between such opposing forces, these crises cannot be avoided. Worse, the intensity and frequency of similar meltdowns are going to increase as the volume of transactions increases. This is the inescapable conclusion from non-linear dynamics. After all, such turbulence has always existed in the real economy in the form cyclical booms and busts. In free market economies, selfishness and the inherent conflicts between selfish interests provide the stretching and cohesive forces, setting the stage for chaotic turbulence.
Physics has always been a source of talent and ideas for quantitative finance, much like mathematics provides a rich toolkit to physics. In his book, Dreams of a Final Theory, Nobel Prize winning physicist Steven Weinberg marvels at the uncanny ability of mathematics to anticipate physics needs. Similarly, quants may marvel at the ability of physics to come up with phenomena and principles that can be directly applied to our field. To me, it looks like the repertoire of physics holds a few more gems that we can employ and exploit.
Box: Heisenberg's Uncertainty Principle
Where does this famous principle come from? It is considered a question beyond the realms of physics. Before we can ask the question, we have to examine what the principle really says. Here are a few possible interpretations:
Position and momentum of a particle are intrinsically interconnected. As we measure the momentum more accurately, the particle kind of "spreads out," as George Gamow's character, Mr. Tompkins, puts it. In other words, it is just one of those things; the way the world works.
When we measure the position, we disturb the momentum. Our measurement probes are "too fat," as it were. As we increase the position accuracy (by shining light of shorter wavelengths, for instance), we disturb the momentum more and more (because shorter wavelength light has higher energy/momentum).
Closely related to this interpretation is a view that the uncertainty principle is a perceptual limit.
We can also think of the uncertainly principle as a cognitive limit if we consider that a future theory might surpass such limits.
The first view is currently popular and is related to the so-called Copenhagen interpretation of quantum mechanics. Let's ignore it for it is not too open to discussions.
The second interpretation is generally understood as an experimental difficulty. But if the notion of the experimental setup is expanded to include the inevitable human observer, we arrive at the third view of perceptual limitation. In this view, it is actually possible to "derive" the uncertainty principle, based on how human perception works.
Let's assume that we are using a beam of light of wavelength to observe the particle. The precision in the position we can hope to achieve is of the order of . In other words, . In quantum mechanics, the momentum of each photon in the light beam is inversely proportional to the wavelength. At least one photon is reflected by the particle so that we can see it. So, by the classical conservation law, the momentum of the particle has to change by at least this amount( ) from what it was before the measurement. Thus, through perceptual arguments, we get something similar to the Heisenberg uncertainty principle
We can make this argument more rigorous, and get an estimate of the value of the constant. The resolution of a microscope is given by the empirical formula , where is the numerical aperture, which has a maximum value of one. Thus, the best spatial resolution is . Each photon in the light beam has a momentum , which is the uncertainty in the particle momentum. So we get , approximately an order of magnitude bigger than the quantum mechanical limit.
Through more rigorous statistical arguments, related to the spatial resolution and the expected momentum transferred, it may possible to derive the Heisenberg uncertainty principle through this line of reasoning.
If we consider the philosophical view that our reality is a cognitive model of our perceptual stimuli (which is the only view that makes sense to me), my fourth interpretation of the uncertainty principle being a cognitive limitation also holds a bit of water.
The author is a scientist from the European Organization for Nuclear Research (CERN), who currently works as a senior quantitative professional at Standard Chartered in Singapore. More information about the author can be found at his blog: http//www.Thulasidas.com. The views expressed in this column are only his personal views, which have not been influenced by considerations of the firm's business or client relationships.
chaosColumnsfinancial meltdownmanagementnon-linear dynamicsPhysicsquantitative financeuncertainty principle
Email Flotsam, Humor
Meeting Bingo Game
September 19, 2008 manoj
This one is a hilarious piece I found on the Web. If you really like it, you have to wonder — am I still doing too much techie stuff and too little management?
Ever been in a mind-numbing meeting with some MBA-type spewing forth a sequence of buzzwords he read on the back of a Business Careers for Dummies book? Print this out and when you get 7 horizontal, vertical or diagonal, shout BINGO!
Synergy Offline Strategic Fit Interface Gap Analysis Best Practice The Bottom Line
Core Business Going Forward Touch Base Revisit Game Plan Learning Curve Revert Urgently
Out of the Loop Go the Extra Mile Benchmark The Big Picture Value Added Movers and Shakers Ballpark
Proactive, not Reactive Win-Win Situation Think Outside the Box Fast Track Results Driven Empowerment Define and Sign Off
Partner Led Business Case Change Management At the End of the Day Local Feedback Ticks in the Boxes Mindset
Knock-On Effect Put this to Bed Client-Focused Quality Driven Move the Goal Posts Process Improvement Bandwidth
Facilitate Knowledge Base Downsize Rocket Science Skill Set Customer Focused Ramp Up
(This joke was found at the Email Flotsam page at Mike's World)
big picturebingochange managementcore businessgeekhumormanagementmbamindsetprocess improvementrocket sciencesynergytechie

redpajama_set_name: RedPajamaCommonCrawl


We are just weeks away from a new edition of WWE No Mercy , this time as RAW's exclusive PPV , in which the WWE Universal Championship will be in play between Brock Lesnar and Braun Strowman; First hand-to-hand encounter between the two.
Now, ten years ago, at WWE No Mercy 2007, fans witnessed an unprecedented feat, having (in addition to a fight for the women's title) 5 World Championship matches (three for the WWE Championship, one for the Championship World Heavyweight Championship, and one for the ECW Championship) , and in which among other things, we saw Randy Orton crowned twice in one night.
The event had begun with the coronation of Randy Orton like Champion WWE ; Being this his second reign like World-wide Champion and the first like maximum monarch of the company. This because John Cena , who until that event was the champion, had been injured when tearing the right pectoral tendon .
After this, Triple H came on the scene to confront McMahon and Orton, and after a crossword of words, both gladiators clashed in the first fight of the evening and by the maximum scepter of the red mark, and where, after a meeting Fast, "The Game" managed to win the title to join eleven world achievements.
Perhaps the least important fight of the event, and that, for a change, showed the bad moment that ECW passed as one of the three marks of WWE.
The fight was really short, and due to the large size of Big Daddy V, did not allow CM Punk to get the best out of his repertoire. To top it off, the fight ended in disqualification due to interference from Matt Striker , thus allowing Punk to retain the ECW Championship.
Before beating Orton for the WWE Championship, Triple H was announced that night to face Umaga ; For which, Vince McMahon ordered that said fight would continue scheduled, but now with Championship WWE in game .
The shock was short and ended with victory of the champion , but allowed Umaga to fight a Triple H who could not imagine what was to come that night .
The second fight of this style saw Collider "Animal" Batista against the creator of Punjabi Prison, The Great Khali .
The fight was intense, slow at times, but without a doubt, it ended up being more entertaining, of course not by much, than its predecessor, and that we saw recently between Randy Orton and Jinder Mahal in Battleground this year .
In the end, Batista retained the title by escaping from Punjabi Prison , ending his rivalry with Khali.
The last fight of the event was, for the second time in a same night, between "The Game" and "The Legend Killer", but this time, in a fight of Last Man in Foot . It should be noted that this duel originally was to face Randy against John Cena, but due to the aforementioned injury, it ended up agreeing among those already mentioned.
The fight was the longest of the night and was brutal from start to finish, setting a historic moment for Orton's career , who defeated Hunter to get his second WWE Championship in just three hours . The era of "The Viper" began.


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Belger named new director of the FPG Child Development Institute
"I look forward to working with an awesome community of scientists..." Aysenil "Ayse" Belger said.
By University Gazette, Tuesday, February 27th, 2018
Ayse Belger
Aysenil "Ayse" Belger has been named the new director of the Frank Porter Graham Child Development Institute. The appointment, announced by Terry Magnuson, vice chancellor for research, is effective April 1.
Belger most recently served as director of the Neurocognition and Imaging Research Lab in the UNC Department of Psychiatry and also headed the Clinical Translational Research Core within the Intellectual and Developmental Disabilities Research Center of the Carolina Center of Developmental Disabilities. She has been a faculty member at Carolina for 18 years.
For more than 50 years, FPG has been a leader in generating knowledge, informing policies, and supporting practices to promote positive developmental and educational outcomes for children.
"FPG is world-renowned for not only the research it conducts, but also the efficiency in which this knowledge is then put into practice through the Institute's efforts," Magnuson said. "Dr. Belger's extensive experience, coupled with her incredible energy, will serve the Institute well as FPG continues to expand its portfolio of research and services."
"I am excited to serve as the new director of the Frank Porter Graham Child Development Institute, which has led the fields of developmental research, technical assistance, implementation science, outreach, public policy and evaluation, and professional development for over 50 years," Belger said.
"I look forward to engaging with each FPG scientist and specialist and identifying areas where we can grow our Institute, while maintaining its national and international reputation, setting up the next 50 years of excellence."
Belger's research recently has included studying abnormalities in young children with autism, as well as children and adolescents at high risk for schizophrenia. Her lab explores the behavioral and neurophysiological underpinnings of sensory and cognitive impairments. She said the guiding principles of her research are rigor, reproducibility, impact and translation.
"I look forward to working with an awesome community of scientists and merging my research in brain and cognitive sciences across child and adolescent development with FPG's expertise in early child development and implementation science to continue the landmark work of the Institute," Belger said. "We can bridge FPG's research with the developmental clinical cognitive neuroscience research ongoing across campus and in national and international arenas."
FPG houses over 50 projects and employs scientists, specialists and staff that lead the field in research and its application. Signature initiatives include annual evaluations of North Carolina's pre-kindergarten program, technical assistance in support of programs that administer services to hundreds of thousands of children with disabilities in every state and territory in the U.S., and online training that teachers and families from 160 countries around the world have accessed several million times.
FPG is also home to a suite of cutting-edge implementation science projects, as well as the Abecedarian Project, the most famous study in child development. The Abecedarian project determined that educational, social and health benefits of high-quality early education for children in poverty persist for decades.
Throughout Belger's career, she has forged faculty collaborations across Carolina and other institutions to better understand the effects of early childhood adversity. She said that equity, diversity, engagement and transparency guide her leadership.
"Dr. Belger's interdisciplinary approach to studying child development will facilitate new opportunities for FPG at Carolina, across the country and around the world," said Desiree Murray, FPG's associate director of research.
Belger has been working with the FPG executive team, core directors and interim director Stephen Hooper to ensure a smooth transition.
"I look forward to being engaged in all aspects of the Institute," Belger said. "From training the next generation of scientists and scholars who will impact and transform the field of child and adolescent research and education through translation and implementation, to disseminating our work to communities both nationally and internationally to inform and guide policy and to improve the everyday lives of children and families."
Categories Research
In the Know: Thursday, Jan. 23
Five important pieces of information for the day.
Taj and Jones recognized as 2020 MLK Unsung Heroes
Associate professor Afroz Taj of the Asian studies department in the College of Arts & Sciences was the faculty honoree while the staff honoree was Dawna Jones, assistant dean of students and chair of the Carolina Black Caucus.
Carolina researchers make important scientific step toward an HIV cure
Overcoming HIV latency is a major step toward creating a cure for HIV. For the first time, scientists at Carolina, Emory University and Qura Therapeutics – a partnership between Carolina and ViiV Healthcare – have found a new approach that can expose latent HIV.
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text:
Pristocnemis is een geslacht van hooiwagens uit de familie Gonyleptidae.
De wetenschappelijke naam Pristocnemis is voor het eerst geldig gepubliceerd door C.L. Koch in 1839.

Soorten
Pristocnemis omvat de volgende 4 soorten:
 Pristocnemis albimaculatus
 Pristocnemis farinosus
 Pristocnemis perlatus
 Pristocnemis pustulatus

Gonyleptidae

redpajama_set_name: RedPajamaWikipedia


text:
Main page » Concertos » Horn + Orchestra » Vandenbroek, Othon - 2. Concerto for Horn F major
Vandenbroek, Othon - 2. Concerto for Horn F major
Piano reduction, Product No.: ROM 338b Orchestral Score, Product No.: ROM 338a ( +3,00 EUR )
Othon Joseph Vandenbroek (often wrongly called Vanden Brock and Van den Broeck), * 20 18th December 1758 in Ypres (Flanders), † October 1832 in Passy (Paris).
Vandenbroeck was probably of Dutch origin. He received his education (worked about 1770-1780) at the horn virtuoso Spandau in The Hague, as well as in theory (Fuchs, Kpm. the Prince of Orange) and composition. (J. Schmitt). In 1781 he was the Mitgl Orch at the Théâtre français in Maastricht, 1783, he must have gone to Paris, because in January of 1784, he blew a horn in the Concert Spirituel concert. The editor of the Mercure de France, considered him not mature enough to play in front of a Parisian public. 1788, however, he became a successful performer on horn in the Concert de la Loge Olympique.
His name appears on the lists of a number of Orch: first horn at the Théâtre de la rue Feydeau (1789-1791), fourth horn player at the Opéra (1793-1816), the musician "1re classe" in the National Guard. In 1795 he was Professor at the Conservatory of Music, was, however, at the "Reform de l'an VIII," 1800 on its activities.
In 1812 he was "attaché à la chapelle de l'Empereur et Roi" in 1816 he retired.
More about Othon Vanenbroek on french-horn.net
His first Concerto for Horn in E flat major was written between 1785 - 1790
The orchestral parts is available on loan (hire)!
ROM 338 (43.25 KB) :


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Swimming Upstream — ALYN & A.J.
We've been waiting for this to be available for a while. We managed to snag a pre-release copy and listened to it all summer. Click through to listen on iTunes. Our favorite tracks? Come to Paris and Grow - both super catchy summery songs. Good job guys.


text:
Rasma Says
Musings, deliberations, flashes of unaccounted for brilliance…
Who is Rasma?
Super speeds and reindeer
Sweden does not have the world's largest forest. Sweden IS the world's largest forest. 6 hours wide from the Norwegian border to the Gulf of Bothnia when driving at the lickety-split speed of somewhere between 100 − 133 kph. 95 kph is the speed when meandering through construction areas and flocks of reindeer. Still, my driving partner Jan, whom I was following in the car ahead of me, chided me after we had arrived and were watching the girls play (and win) their first football match:
"So you're one of those who likes to drive slow," he laughed.
Ha ha, I laughed, thinking at first he was kidding. But he wasn't. He and another Norwegian man started making quips and jabs about needing a tow rope. Bia joined in with the comment that I had actually stopped once to wonder where Jan was.
That wasn't stopping, I said. That was driving up the final Norwegian mountain before entering the forest of Sweden, on a 12% grade with very little oxygen. Yes, it felt like we were standing still. And yes, I had wondered aloud where Jan was, but I was joking. He had to be ahead of us, as there is only the one road. We topped the crest on level with the puffy cumulous clouds dotting the blue sky. Then ahead of us, as in a scene out of a Hollywood movie, we saw the road twisting in wide loops around the sides of the mountain, at the cliff's edge. And there was Jan's black VW stationwagon. He was never out of sight for long. Every double semi he passed, I passed too, eventually.
The Swedish superhighway was a little wider than a county road in Wisconsin. Not a lot of room for passing, and with the threat of moose and reindeer approaching from either side it was, in short, a thrilling gallop, with the radio blaring songs from the ipod and Bia and Anna chatting up a storm in between a few brief intervals of dozing.
Bia was afraid that if she slept I would fall asleep, and I remember that feeling of responsibility. I was the navigator and in charge of driver-alertness on our many miles of commuting between Oak Ridge and Manhattan and Oak Ridge and Rio and Oak Ridge and Florida during my formative years. You develop a habit of worrying about things you can't really control, nor should you have to.
"I'll wake you if I need you to talk to me," I told her. "But I'm not feeling tired at all."
"Ok, and wake me if something exciting happens. Like a moose. Or an accident," she chirrped and settled down with her pillow.
"You'll notice the car slow down and wake up," I assured her. "And when it does, don't forget to take pictures."
And she did….
This entry was posted on 25/06/2011 by Rasma Haidri in Uncategorized and tagged driving, highway, reindeer, sweden, traffic.
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Bitcoin To Be or Not to Be?
Despite the Bitcoin fanboys arguing that Bitcoin is untouchable by governments, would you agree that once governments, in particular, the Chinese government, make it unlawful to own Bitcoins, the additional introduction of proceeds-of-crime legislation would make it extremely difficult, if not impossible, to use Bitcoins to acquire assets, and dealing a permanent blow to Bitcoins' value? At some point, Bitcoin owners need to be able to interface with the real market to buy assets, and that's where the government can catch them and ask them to prove how an asset was acquired.
Will you be giving a forecast on Bitcoin's price at some point?
ANSWER: Bitcoin has replaced gold as the hot anti-establishment medium which has been gaining momentum. In light of India canceling their currency, there is a growing position against government currencies. This is certainly part of the entire shift from a Public to a Private Wave on the Economic Confidence Model. The overall confidence in government has been declining significantly on economic and political levels – i.e. the election of Trump, BREXIT, and Merkel collapsing to 32.5%.
In a purely economic sense, Bitcoin is really the medium of exchange in a barter situation. That is what BARTER was all about. It was some object that was recognized as acceptable among a group of traders so it becomes the medium of exchange. The problem with Bitcoin is that it is limited and therefore does not represent a true currency that many expect to compete against the government when there is not enough to go around for everyday use among the people.
Historically, when the government of Japan abused its power to issue money, people simply refused to accept it and used Chinese coins and bags of rice. Japan lost the power to issue its own money for 600 years. Even in Zimbabwe, the hyperinflation resulted in people using the currencies of other countries with the U.S. dollar at the top of the list. The same trend unfolded during the hyperinflation of Germany. There is a long historical record of people using the currencies of anyone other than their home government. We see this in ancient times as well. India, back in the day, struck imitation gold coins of the Roman Empire. They were often even overweight. Nonetheless, the image of a Roman coin was more trusted than a local issue.
Much of the entire problem with Bitcoin stems from the fact that it is in a very gray area. Is it truly a currency or an investment product like a stock? Or is it just a commodity serving as a medium of exchange in a barter situation? The tax implications are strikingly different for each.
If we look at foreign currency, the way this is handled is significantly different from shares. Any transaction under $600 is exempt from taxation due to fluctuation gains or losses. This is typically in play for those who travel on vacation. Exceed a transaction of $600 and you are liable to report that transaction gain to the government for taxation. Profits are theirs and losses are yours.
However, when you are dealing with a currency, then you must always be aware of the crime known as Structuring which is the act of parceling what would otherwise be a large financial transaction into a series of smaller transactions to avoid scrutiny by regulators or law enforcement. In other words, you are going to make a transaction of say $35,000. To avoid the bank reporting that transaction, you withdraw $9,500, $9,500, $9,500, and $6,500. You beat the regulation and that is a crime for which the government commonly throws people in prison and confiscates all the money involved.
Dennis Hastert, the former Speaker of the House, was indicted by a grand jury on charges of structuring and lying to the FBI. Back in 2014, a Hartford, Connecticut man was sentenced to 18 months in prison for structuring $48,195 to buy a Corvette and a 2012 BMW 650i. They took the money and the cars. Also, a doctor from Georgia was sentenced to 36 months in prison and ordered to forfeit $870,238 which he engaged in Structuring to beat the reporting. This is far more common than people suspect. Retail stores accepting cash often have problems and must explain their operation to the bank to avoid the bank reporting them as a Structuring violation.
Under stock investing, your stockbroker issues you an IRS report under the 1099-B form which accounts all your gains and losses. This is a major difference between currency and legitimate stock market investments. Under currency, you must report your gains and losses. As I reported previously, I retired from making-markets in precious metals because the IRS declare me to be a bank and thus a financial institution. In the case of the summons against Coinbase users, the Department of Justice demanded the turnover of everyone. There are no rules so those people will be audited.
The IRS can simply make a rule and that will be the end of the issue. Congress has introduced the Cryptocurrency Tax Fairness Act which requires the Treasury Department to issue guidelines for informational reporting on digital currency transactions for which capital gains is due. The agency will make the rules and those rules are sufficient as laws that carry criminal penalties. The interpretation belongs entirely to them and the courts will defer to them as the expert. So much for courts being independent checks against arbitrary government.
The critical issue will be what does the IRS do? Will they declare everyone who mines Bitcoin to be a financial institution and must then report every transaction of $10,000 or more as any financial institution? The regulatory burden will severely curtail those involved with Bitcoin.
All of that said, what if Bitcoin is just a commodity? Normally, if I have an apple and I trade it with you for an orange, that is not a cognizable transaction for tax purposes. The problem with Bitcoin is its marketing as a currency. If polished white stones are the accepted medium of exchange and I give you one stone for that orange, the stone is the medium of exchange in which taxes can be imposed.
Is Bitcoin the equivalent of that stone? Then it is a currency. If it is really just a commodity for all practical purposes economically speaking, then we are at the apples and orange swap. But that is unlikely. However, because it is presented as a cryptocurrency, it may be a duck that quakes as a commodity since it is NOT "legal tender" and acceptable by any government for taxes, but, if they call it a pig, it is a pig for tax purposes. It boils down to what will be the Treasury interpretation. Congress is worthless because they simply delegate to agencies to make their own rules and to violate a rule is criminal. That is another whole constitutional argument that delegating powers to unelected agencies defeats democracy and is unconstitutional.
Bitcoin is available with Socrates basic level right now. The Futures contract on the CBOE will make prices much more tangible since people can put up prints with just one Bitcoin trading at $17,000.
The futures contract will for the first time put a legitimate price mechanism that is not as easily susceptible to fraud and market manipulations as cash markets are. Just go watch the Big Short. The banks would not make a real market until then off-loaded their own risks. That is why CDOs were regulated to go through a clearinghouse – no more off-exchange quotes. This advance for Bitcoin will be the first MAJOR step in really making it a viable market. Up until now, the quotes are always subject to fraud. It is easy to put up prints. Then everyone things all their Bitcoin is suddenly worth that new high price. Let everyone say SELL, and watch the price collapse.
To be or not to be lies purely in the hands of the Treasury. Only their rule will define any cryptocurrency and the courts will never do their job constitutionally and defer to the agency. This very bad and unconstitutional undermining of our liberty is known as the Chevron Doctrine. It is how the third branch of government, the Judiciary, has become indistinguishable from the Executive Branch. It takes courage for a judge to overrule agency interpretation.
« Bitcoin Phase Transition or Plateau Move?


text:
`flow package [target] [--options]`

  [target] is implied as your current system if not specified.

  `flow package` will compress your build output folder (specified in the flow file) to an archive, for backup or distribution.

  options

    --archive <tar, zip>
        specify the format of the archive. default is zip.
        usage shows zip extension, but extension will vary by chosen format

    --archive-name <target/path/packagename>
        Specify where to, and what to call the package file. Extension is automatically appended based on `--archive`.
        Relative to your project root, or an absolute path.
        defaults to `(project output)/(target).(date-time).ext
        an example of the default formatting - web.01.july.2014-23.12.04.zip

    --archive-root <subfolder>
        specify the sub folder within the archive in which to store the contents.
        for example, on windows, a bin/windows/*.* would be stored inside `(archive)/flowapp.exe` etc
        this flag changes the archive root, like `(archive)/myapp/flowapp.exe` such that on expanding the archive the files are not loose.

  examples

    `flow package web --archive-root 'myapp' --output 'builds/package`

redpajama_set_name: RedPajamaGithub


text:
A Mediterranean Worm Lizard from the Middle Miocene of Catalonia, northeast Spain.
Worm Lizards (Amphisbaenians) are small, limbless Lizards related to Lacertid Lizards (Wall Lizards). They are thought to have originated in the Late Cretaceous, though the earliest fossils that can be confidently assigned to the groups come from the Palaeocene. Most of the 150-190 living species are found in South America, Africa or on the Arabian Peninsula, though members of one family, the Blanidae, or Mediterranean Worm Lizards, are found in Europe. The Blanidae currently comprises five extant species, all placed on the genus Blanus. Blanus strauchi from the eastern Mediterranean, Blanus cinereus and Blanus mariae from Iberia, and Blanus mettetali and Blanus tingitanus from northwest Africa. In addition there are two previously described fossil species from Europe, Blanus antiquus from Germany and Austria and Blanus gracilis from Italy and the Czech Republic. In addition an older species of Worm Lizard of uncertain affinities, Palaeoblanus tobieni, is known from France, Germany, Italy and Spain.
In a paper published in the journal PLoS One on 4 June 2014, a team of scientists led by Arnau Bolet of the Institut Català de Paleontologia Miquel Crusafont at the Universitat Autònoma de Barcelona, describe a new species of Mediterranean Worm Lizard from the Middle Miocene of Abocador de Can Mata in the Vallès-Penedès Basin of Catalonia in northeast Spain.
The new species is described on the basis of an almost complete 11.3 mm skull, largely trapped within a carbonate (limestone) concretion and judged too delicate to be extracted, which was therefore studied by computed tomography scanning, plus a number of separate vertebrae, some of them articulated. It is named Blanus mendezi in honour of Josep Méndez of the Institut Català de Paleontologia, who discovered the specimen while collecting microvertebrate remains.
Blanus mendezi is exceptionally well preserved for a Blanid fossil, largely because it is trapped within its matrix. Most fossil Blanids are preserved only as isolated bones, making identification to species level difficult, as the group are morphologically conservative. The two previously described fossil species of Blanus are identifiable only from their jaws, with Blanus antiquus being larger and more robust than Blanus gracilis, and having homodont dentition (all the teeth are the same shape), while Blanus gracilis as heterodont dentition (the teeth are different shapes). Blanus mendezi is larger than Blanus antiquus, and has heterodont dentition.
Blanus mendezi, virtual model after removing the covering crust and the infilling matrix. Model in (A) dorsal, (B) right lateral, (C) left lateral, (D) ventral and (E) anterior and (F) posterior views. Scale bar equals 2 mm. Bolet et al. (2014).
Fossil Amphisbaenians are known in Europe from the Palaeocene onwards, though most of the known material is fairly fragmentary. No Palaeocene or Eocene specimens can be placed in any modern group with confidence, and it is likely that they belong to either extinct lineages, or predate the differentiation of modern Amphisbaenian groups. The single species of Palaeoblanus, Palaeoblanus tobieni, which is known from the Miocene of Germany and Miocene of Germany, France, Italy and Spain, was described originally from fragmentary material, and not assigned to any family. Bolet et al. consider that on the material available now this species should be placed within the Blanidae.
Genetic studies of extant members of the group have suggested that the two Iberian species (Blanus cinereus and Blanus mariae) and two North African species (Blanus mettetali and Blanus tingitanus) are each most closely related to the other species in their geographical region, and all are more closely related to one-another than to the east Mediterranean Blanus strauchi.
The extinct Palaeoblanus tobieni and Blanus antiquus have homodont dentition, while all other members of the group have heterodont dentition. Bolet et al. suggest that homodont dentition is the ancestral state within the group, and that the two homodont species predate the division into the modern geographical groups. Blanus gracilis closely resembles the modern Blanus strauchi, and Bolet et al. suggest that these two are more closely related to each other than to the other extant species or Blanus mendezi. Palaeoblanus tobieni, Blanus antiquus and Blanus gracilis all have wider distributions in Europe than any modern species, and Bolet et al. suggest that cooling climates since the Oligocene have led to the extinction of the Homodont forms and shrunken range of the surviving species. All modern Iberian and North African species appear more closely related to one-another than to the Miocene Blanus mendezi, suggesting that they have differentiated since this time (which is what would have been expected).
Evolutionary tree of the Blanidae based on molecular phylogeny, paleobiogeographic evidence and the paleontological data. Black branches depict the phylogeny and estimated divergence times for extant taxa based on molecular data; grey branches, in turn, depict inferred stratigraphic ranges (dashed when uncertain) based on fossil finds and divergence times, as well as the hypothesized branching order for extinct species, based on morphology and biogeography. Bolet et al. (2014).
A new species of Skink from southern New Caledonia.
Skinks are smallish lizards with elongate bodies and reduced legs and necks. They are an ancient and successful group, found throughout the tropical, subtropical and warm temperate regions of the world, though individual species (of which there are over 12 000) may be threatened. Skinks can either lay eggs or bear live young (depending on species) and can be divided into...
Agamid Lizard remains from the late Early Pleistocene of Spain.
Western Europe is thought to have had a diverse Squamate (Snake and Lizard) fauna during the Miocene, but to have largely lost this during the cooling climate of the Plio-Pleistocene, during which time Squamate groups are thought to have progressively disappeared. Varanid (Monitor) Lizards, Aniliid (False Coral) Snakes and Elapid...
Late Pleistocene Lizards from Fowlkes Cave, Texas.
Lizards often have more restricted ranges and climatic tolerance than Mammals, making them useful in the study of ancient climates. Fowlkes Cave is a sinkhole in the Chihuahua Desert, roughly 10 km to the north of Kent in Cuthbertson County, Texas. It has a well...
Labels: Amphisbaenians, Biodiversity, Biogeography, Blanidae, Catalonia, Iberia, Lizards, Mediterranean Worm Lizards, Miocene, Palaeontology, Spain, Squamates, Taxonomy, Worm Lizards
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By Gary Vaynerchuk. Discovered by Player FM and our community — copyright is owned by the publisher, not Player FM, and audio streamed directly from their servers.
Hey guys … big treat for you on the podcast today. This episode is the audio version of a talk I did with Jennifer Morgan at SAP. We discussed the future of audio and voice and vulnerability / other mindsets that will help you win in the future of business.
1140 episodes available. A new episode about every 23 hours averaging 29 mins duration .
Start listening to The GaryVee Audio Experience on your phone right now with Player FM's free mobile app, the best podcasting experience on both iPhone and Android. Your subcriptions will sync with your account on this website too. Podcast smart and easy with the app that refuses to compromise.
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A good start is half the battle, so they say, but this was certainly not the case when our senior team travelled to O'Neill Park on Wednesday 21st August to take on Doohamlet in the Drumlin Credit Union senior football league because Doohamlet totally controlled the openings minutes and turned their superiority into scores when it mattered and from an early stage it was quite clear there was only going to be one winner!
Despite the very dark clouds overhead the threatened rain stayed away for the hour's action and Doohamlet started in a whirlwind fashion and showed more desire and hunger during the opening exchanges and demonstrated their intent early on with two early points on the 1st and 2nd minutes. They continued to dominant the battle for primary possession and brought a greater intensity level to the opening moments as our lads were off the pace and Doohamlet quickly added a further goal and a point open up a six point advantage, leading 1-3 to 0-0 after only seven minutes. We opened our account a minute later when Mark Daly, showed glimpses of why he was named Monaghan intermediate player of the year 2012, as he surged forward bursting through the Doohamlet defence, bouncing off a few heavy tackles, but he was able to create enough space and finished in style with a superb point. This was followed up moments later when centre-half back Noel Carroll glided up the field and hit a classy point following a good build-up that also included Paul McKeown and Mark McGuirk.
However, any notion of a comeback was short-lived as Doohamlet kicked two additional points on the 12th and 13th minutes to leave the scoreboard showing Doohamlet 1-5 Rockcorry 0-2. Anthony Tate pointed neatly, on the 14th minute, after clever work by Stephen Lynch and Dwayne Rooney but Doohamlet maintained their upper hand and unfortunately it was all too easy for them as they sauntered through our rear-guard virtually unchallenged and notched over a fine point on the 15th minute. Two minutes later, with massive gaps appearing, the killer blow arrived when they hit the back of the net for the second time and they quickly added another point from a routine free-kick to open up a commanding nine point lead, leading 2-6 to 0-3.
We instantly replied with a flowing move of our own that involved Noel Carroll, Stephen Lynch, and Dwayne Rooney who teed-up Lorcan Smyth who brought out a fine save from the Doohamlet goal-keeper and thankfully Mark McGuirk reacted the quickest and from close range guided the loose ball with aplomb, past the advancing Doohamlet goal-keeper, to hit the back of the net for a crucial goal. Dwayne Rooney kicked wide on the 23rd minute but a couple of minutes later Lorcan Smyth converted a difficult free-kick following a foul on Mark McGuirk to put a 'bit more' respectability on the score-line! With half time approaching Doohamlet showed no mercy and scored two quick-fire points to take a commanding 2-9 to 1-4 advantage going in at the interval.
With eight points behind we had the proverbial mountain to climb and if we were going to get back into the game we needed a good start. In fairness, credit is due to the lads who put in a battling performance and never threw in the towel and definitely played their best football of the evening during the third quarter when they scored five points without reply. The fight back started on the 2nd minute when Paul McKeown got us off the mark with an excellent score and that was quickly followed up by another neat point from Colin Quinn. Our midfield pairing of Martin Carroll and Mark Daly started to settle into the task and took control of that sector, winning a string of kick-outs and loose balls and when Mark Daly won possession on the 5th minute he delivered a lovely pass into Paul McKeown who hit another sweet point.
The hunger, determination and resolve, that we all witnessed the team display back on the fabulous day in October 2012, was now very much evident and one wondered where was this performance during the first half? Dwayne Rooney continued the good work with a fabulous point on the 7th minute and when Damien Matthews intercepted and broke down a promising Doohamlet attack he instigated a swift move that involved a number of players including Colin Quinn, Keelan Clerkin and Noel Carroll who found Dwayne Rooney prowling in space and he kicked a point that had top drawer quality written all over it to reduce the arrears to three points, Doohamlet 2-9 Rockcorry 1-9. However, that was as good as it got because, sadly we were not able to maintain our momentum as the scoring dried up and our five consecutive scores was broken as Doohamlet once again hit form and tagged on four unanswered scores on the 15th, 18th, 19th and 28th minutes to regain a seven point lead, 2-13 to 1-9.
The lads continued to fight on and mustered up a couple of half-hearted goal chances in the closing moments but scores were hard to come by with a resolute Doohamlet defence and we never really tested the goal-keeper and as the game entered the final minute of normal regulation time Lorcan Smyth lobbed a high lopping ball into the Doohamlet goal-mouth that broke perfectly for Noel Carroll who finished with an outstanding unstoppable shot that rattled the onion bag but regrettably it was all too little too late as the referee sounded the final whistle and Doohamlet sealed the win on a score-line Doohamlet 2-13 Rockcorry 2-9.
Team & Scorers: Jamie Smith, Damien Matthews, Niall McKeown, Keelan Clerkin, Colin Quinn 0-1, Noel Carroll 1-1, Stephen Lynch, Mark Daly 0-1, Martin Carroll, Conor McGeough, Cathal Sheridan, Paul McKeown 0-2, Dwayne Rooney 0-2, Anthony Tate 0-1 & Mark McGuirk 1-0. Subs used: Lorcan Smyth 0-1f for Conor McGeough, Conor McGeough for Cathal Sheridan.


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There are perennial calls for "paying down the debt" and "getting our fiscal house in order." First, it's interesting to note that few suggest paying off the debt entirely. This is obviously because everyone recognizes the impossibility of the government paying its debts in full. Second, there is no house. "We" didn't run up debt, "they" did, so the pronoun "our" is inappropriate in this case, as it is whenever the government is discussed.
Still, there needn't be such alarm over bankruptcy, since the government – as territorial hegemon – may always raise additional funds through taxation or counterfeiting. And this is the problem with paying down the debt: it may only be done through taxation or monetizing above and beyond the current levels of expropriation.
Finally, it's one thing for someone outside of government to suggest paying the bills and balancing the budget. It's entirely different when politicians, that is those directly responsible for the outrageous spending, ascend a soap box and lecture everyone on fiscal responsibility. Physician, heal thyself.
This entry was posted in Commentary on June 29, 2013 by DFW ALL.


text:
'BUNGALOW 8 GOONS BEAT ME'
May 12, 2007 | 9:00am
RESTAURATEUR-to-the-stars Nello Balan says he was beaten senseless at nightclub-for-the-stars Bungalow 8. The Nello's owner charges in a lawsuit that he was "struck, abused, harassed, assaulted and battered" by security guards at the West 27th Street hot spot, and wants the club and owner Amy Sacco to pay for his "severe and permanent" injuries. "He's very upset," said Balan's lawyer, Michael Schlesinger. Sacco didn't return a call for comment. The suit says the unprovoked beating took place last May, after an unidentified manager pushed Balan's 21-year-old daughter. "He [Balan] said, 'Why are you pushing [her]?' and the next thing he knew a bouncer came over and punched him in the eye," Schlesinger said. Then another bouncer allegedly wacked him in the head "with a metal object which cut his head open." The bloodied Balan needed 10 stitches and the orbit of his eye was also fractured, leaving him with "floaters" that obstruct his vision, Schlesinger said. He added nobody from the club ever apologized.
WE HEAR . . .


Florida Blue is the only insurer that's offering plans in all 67 counties.
"It makes sense to shop around because things change year to year", she said. A deductible is the amount of money you have to pay out of pocket until your insurance company starts picking up the claims.
Packham and Ray, who have been ACA navigators since the federal marketplace opened five years ago, said the first day of open enrollment was off to a slow start for them, but they had appointments on the books for the coming weeks.
"[People] may be pushing it to last minute, and it's not good because we have fewer navigators this year", said Ray. "The significant cuts by the Trump administration to enrollment advertising and outreach will leave too many families in the lurch, especially families in Florida".
Federal tax credits are available for those whose household income is between 138 percent and 400 percent of the Federal Poverty Level.
If someone calls about offering health insurance policies, be wary if they say they represent the "national enrollment center", the "national health care center", or any other official-sounding name.
If you buy insurance on the individual market - either because you don't get insurance from your employer or you work for yourself - your best coverage options are likely still in the Obamacare market. But the ACA is still the law of the land and financial assistance is still available for low and middle-income consumers.
The open enrollment period runs through December 15th. The legislation, also known as Obamacare, has become more popular with voters despite numerous repeal attempts. Turek noted that they could also be a practical option for individuals who can't afford ACA coverage, but consumers should be sure they know what they're signing up for because short-term plans can have big gaps in coverage. Some may not have pharmacy plans. DOI reminds consumers that cost alone may not be the only factor to consider when selecting a plan. "So I'd say buyer beware".
When asked about how the 1322 waivers will play out, Mr. Southwell said, "At least 40 states have already extended short term health insurance durations to between six to 12 months, demonstrating a commitment to finding affordable insurance solutions for their citizens so we should expect even more creative solutions from the various states using 1322 waivers". For small group plans, costs are expected to increase 0.1 percent.
"Because of changes with the individual mandate we will have to wait and see what Delawareans do, but we're encouraging everyone who is able to purchase and have insurance coverage to do so", said Walker. The Trump administration also cut funding for healthcare navigators and removed the ACA's risk adjustment program.
In 2017, 28.5 million people - or 8.8 percent of Americans - had no health insurance, according to the U.S. Census Bureau.
In one Twitter message, a passenger wrote "get me off this ship" and today she will be doing that getting back on dry land. Previously called the Carnival Destiny, Sunshine received a $115 million renovation in 2013 after 17 years at sea.
American Indians residing on tribal lands were not subject to US law because the tribes exercised considerable self-governance. Sadly, we have come to expect hateful and discriminatory language from the president and many of his followers.
The United States agreed in 2016 to accept up to 1,250 refugees from Nauru and Papua New Guinea. But he said he and the other adults who don't have children wonder what will happen to them.
During this half, the report presents the corporate profile, product specifications, capacity and production. Detailed Overview of Global Lithium Metal market helps deliver clients and businesses making strategies.
Once he realises the extent of damage the Fifth Force ( crow man and his minions) can do, Chitti is remantled. The sequel to the 2010 blockbuster presents "Chitti reloaded, version 2.0.", as the humanoid robot declares.
The second caravan , also of about 1000 to 1500 people, entered Mexico earlier this week and is now in Mapastepec, Chiapas. By law, immigrants can seek asylum either at ports of entry or once in the U.S. - even if they crossed illegally.
Before she stepped out as the yellow Fanta girl, she showed off her adorable costume with baby Stormi , 9 months. However, at the time, she posted only a headshot to Instagram.
However, the Serb star admits that his challenge on Saturday may be compromised by a heavy cold. "I was kind of going up and down. There were complaints from Zverev over noise coming from Khachanov's box during the match, which finished in just over an hour.
Although the BBC was quick to report on the "breach of confidentiality", they also suggest the final numbers might be misleading. According to the BBC , the British broadcaster and news network received information that Facebook accounts had been breached.
Boko Haram launched its deadly campaign in 2009, vowing to enthrone a strict Islamic code in Africa's most populous nation. Camp officials said they feared some of the women unaccounted for after the attack had been kidnapped by the gunmen.
The Croatia worldwide claimed before the World Cup final that he is right up there with the best of the bunch in his position. World Cup finalist and Liverpool defender Dejan Lovren knows all about being the subject of criticism.
Charles and Camilla posed with Gambia's President Adama Barrow and his wife Fatou Bah-Barrow on the first day of their visit. The British Royals arrived in the West African country on Friday, November 2, and they will be spending five days.
Tesla shares closed up less than half a percent at $346.41 in NY trading on Friday. And there you were thinking moving parking spots was impressive.
We all spoke about wanting to play. "It is going to be tough and it will be very emotional, but we've all chatted about it. Leicester are 12th in the table on 13 points, while promoted Cardiff are 17th with five points from 10 games.
However, with Fallout 76's new multiplayer features, it could give players an unfair advantage which they clearly shouldn't have. You cannot disable it via in-game settings but you can tweak it through the game files.
According to Daniels, the move to monetize the messaging app will allow businesses to reach WhatsApp users around the globe. In an exclusive interview with Forbes earlier this year, Acton said: "Targeted advertising is what makes me unhappy".
Yes, the festivities have already started, and the new beginning has embarked with a lovely puja at Deepika's hometown Bangalore. Another wedding that is in the news is that of Nihar Pandya , better known as Deepika's ex, and singer Neeti Mohan . "Always.
At checkpoints, Hungary, Latvia and Greece will stand the test of lie detector, which is controlled by a neural network. Travelers will have to answer in front of the camera, and the system will analyze and evaluate dozens of microdelivery.
Washington's demands included opening up China further to USA investments and abolishing the country's foreign-ownership caps. The U.S. also sued to stop the companies from exporting to America any products that were created using the trade secrets.
A beta of greater than 1 indicates that the security's price is theoretically more volatile than the market. Closing price generally refers to the last price at which a stock trades during a regular trading session.
Human Rights advocate Amnesty International Indonesia said Saudi Arabia had damaged the ethics of diplomacy after the execution. The female migrant worker's was killed nearly a week after Jubeir visited Indonesia and signed a series of memorandums.
Hafeez hit two towering sixes off leg-spinner Ish Sodhi in the 17th over to bring the target down to 23 in the last three overs. Shaheen finished with brilliant figures of 3-20 in his four overs.
According to the CPCB , four areas in Delhi recorded "severe" air quality while 29 areas recorded "very poor" air quality. An official said there is special focus on the regions recording "severe" air quality.
American Airlines said that it's grateful the man wasn't injured and it will be reviewing the incident to make further decisions. A drunk baggage handler flew from Kansas City to Chicago trapped inside a plane's luggage hold after he fell asleep inside.
So Blizzcon 2018 is underway, and during the event's opening ceremony, Blizzard revealed what's next for the Diablo franchise. Cheng explained the intent behind bringing Blizzard's next installment to the iconic series to mobile.
However, ESPN add that James is fully behind the Lakers head coach. "We know where we're going, we know how to get there". We've had a couple of setbacks with some suspensions.
Specialist ships and remotely operated underwater vehicles have been deployed to search for the plane's hull and flight recorders. Indonesian navy divers on Thursday recovered a flight recorder from Lion Air Flight JT610, which crashed Monday outside Jakarta .


my sister name is Pritee Rai. she is tall ,fair, beautiful, well groomed talented & simple girl.
My name is Anjali Rai and I am work as a Teaching / Academician in the Private Sector. I have completed my MCom. I have been raised up in a Middle Class, Nuclear Family with Moderate Values.
My name is S K Pandey and I have completed my MBBS, doing DGO. I belong to a Upper middle class, Nuclear family with Moderate Values.
My name is Deepika Pandey and I am working as a Teaching / Academician in the Private Sector. I have completed my B.Sc.. I grew up in a Middle Class, Joint Family with Traditional Values.
My name is Puja Pradhan and I have completed my B.A.. I belong to a Middle Class, Nuclear Family with Traditional Values.
My name is ANJALI RAI and I work in the Private Sector as a Teaching / Academician. I belong to a Middle Class, Nuclear Family with Moderate Values. I have completed my MCom.
My sister has completed her Bachelor's degree. She is currently not working and she has been living in Patna . We come from a middle class, joint family background with traditional values.
My name is Bibha Rai. I have completed my LL.B.. I grew up in a Middle Class, Joint family with Moderate.
My name is Sudhanshu Kumar and I am working as a Officer in the Government sector. I have completed my M.A.. I grew up in a Upper Middle Class class, Nuclear family with Liberal values. I am qualify for JRF / NET.
My brother is an Engineer - Non IT with a Bachelor's degree working in Government sector. He is currently living in Buxar. We come from a Middle class, Nuclear family background with Moderate values.
NO DOWRY My name is Manoj Rai from Buxar (Bihar). I am a simple person and friendly in nature and doing job in Pvt company in Delhi/Gurgaon. No smoking and no drinking. My family is based on the jobs and agriculture . Medium class family.Presently I am living in Delhi from 2 years. Kundli Name is Indrajeet. Actual DOB is 13/02/89 (09:30AM),Birth Place-Ballia(UP). My partner should be good educated/employed & friendly in nature.
My name is Kumar Sudhanshu and I am working as an assistant commissioner commercial tax in the Government sector. I have completed my M.A.. I grew up in a Middle Class class, Nuclear family with Liberal values.
I'm successfully employed as a Engineer - Non IT in a private firm. To describe about my family, we are a nuclear family with strong traditional values. I reside in the beautiful city of Buxar. t l.m not believe into dory system. after completing the studies . i am doing job into the japnnese company . i belongs from buxar bihar father is into army . and my family is very small . i am vey simple in nature and keep himself busy . i need the girl which is very sweet in nature and she give respect to every one. she is well aware about the our culture. then i have nothing to say ,a lady which turns a house into the home.
My brother's name is Dr. Shatrughna Pandey . He is working as a Doctor in the UTTAR PRADESH Government . He has started his own clinic at hometown . He loves his family and respects elders . we are searching for a suitable bride for him preferably doctor .
I am a businessperson with a Master's degree currently living in Raipur C.G. I belong to a middle class, nuclear family with traditional values.
I am employed in Government Sector as a Civil Service Professional with a Bachelor's degree. I currently live in Buxar. I belong to a Rich, Joint family with Traditional values.


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text:
SBI planning for more ATMs in TierII, III cities
The largest lender of the country, State Bank of India is planning to add more ATMs to its kitty in order to increase its presence even further.
The bank which presently has a network of 25,444 ATMs in collaboration with its five associate banks accounts for 32% of the total ATM count linked to National Financial Switch.
The plan to increase ATM count has been set for the upcoming three years time.
The SBI group including its associate banks have so far issued 8 crore debit cards. On an average, number of cards per ATM counts to 3000.
"In our case, the number of cards per ATM, currently at 2,500-3,000, is huge. I understand that 1,500 cards per ATM is an acceptable level for ATM transactions to be efficient. So, to that extent we have to increase the number of ATMs to bring down the ratio from 2,500-3,000 to 1,500 cards per ATM," said Mr A. Krishna Kumar, Managing Director, SBI.
A chronicle of excesses by loan recovery...
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How to select a co-branded credit card?


Another great night at Ripley! Some great games once again, with another derby match – Chipping TopCats vs Chipping WildCats – a great game played in a great spirit! Last night we welcomed Capernwray Flames to the league as it was their first game of the season due to many of them only arriving into the country just over a week ago and many of them not having even heard of netball before! The players in this team are from all different countries around the world, that have come to study at Capernwray Hall Bible School for a few months – so it is great to have then join the league!
One message shared involved the releasing of balloons into the night sky! Reminding us that we are able to bring all our fears, worries, concerns and joys to our loving heavenly Father, knowing that He cares for us and waits for us to come to Him. When we walk in a relationship with Him, He will lift our concerns from us and carry us through.
SportsReach is an interdenominational ministry which uses sport, especially soccer and netball, as a means to reach people of all ages with the life changing reality of a personal relationship with God through the Lord Jesus Christ.
SportsReach is a registered charity (Charity number: 1065723).


NO.1 Which of the following is a group decision-making technique?
A. tightly links processes to create a seamless project schedule.
B. creates an overview of all activities broken down into manageable subsections.
C. guides how the project schedule will be managed throughout the project.
D. provides guidance to identify time or schedule challenges within the project.
C. Develop Project Management Plan.
NO.1 What is the main difference between a Smurf and a Fraggle attack?
A. A Smurf attack is UDP-based and a Fraggle attack is TCP-based.
B. Smurf attack packets cannot be spoofed.
C. A Smurf attack is ICMP-based and a Fraggle attack is UDP-based.
D. A Smurf attack is UDP-based and a Fraggle attack is ICMP-based.
NO.3 Which one of the following factors is NOT one on which Authentication is based?
Ten Domains of Computer Security, 2001, John Wiley & Sons, Page 36.
2002, chapter 4: Access Control (pages 132-133).
In which directory must definition files be placed to add additional repositories to yum?