Same way balanced mutual funds can also be helpful in balancing your portfolio & provide you higher returns. Investment in them can provide you certain benefits as mentioned below. If you feel you are facing these situations, balanced funds can really be a good solution.
1. When you are not diversifying at all: Lot of investor put money as per the climate. When equities will do well they will draw cheques for equity investments only and when they suffer a loss the money is diverted to bank FDs. And when the market roars they grump and get premature withdrawals on FDs. This happens when person does not understand the nature of these asset classes. But point is "baseball cannot be played with a straight bat". You need to be "with the assets" to gain from them. Either leave it on your financial planner or invest in balanced mutual funds. Let this worry of "investing in which asset class" pass on to the fund management. The experts are better bet for taking a decision on whether you should be over or under weight on equity or debt.
2. When you are investing for one goal or expenses: If you have a one goal or a funding requirement in long run investing in balanced fund can be a way out. One of my friend start a SIP for 5 years in a balanced mutual fund the day he buys a new car. The proceeds of this SIP are used as down payment for the next car. Similarly if you have a goal which is long term in nature and you need to accumulate a corpus over a period of time, instead of the regular RD or timing the market it is good to invest through a balanced fund. By this you will be able to diversify and allocate asset for isolated investments.
1. Minimum 65% in equity: Fund Managers have limited freedom as 65% is the minimum requirement to take benefits of taxation. So in case even if fund manager feels that minimum equity exposure is beneficial for the portfolio he cannot do it beyond 51%. (Read: Mutual Fund Taxation in India) So if you thought balanced means 50:50 or anything else – this is now part of mutual fund history.
2. Partial withdrawal: That's a big problem with balanced funds – think of a situation when you need some amount for your emergency need but you have parked your whole amount in balanced funds. As you don't have any choice you will redeem from balanced funds & that mean for every redemption of Rs 100 you are actually redeeming Rs 65 from equity & Rs 35 from debt. Even if you are long term investor in equity, automatically your equity gets redeemed. In case of proper asset allocation you could have avoided this thing.
3. Limited Choices: If you want to have exposure to midcaps or only large caps, this is not possible with balanced funds as you can't dictate your terms to fund managers.
You can check performance of top balanced mutual funds.
If we are talking about balanced mutual funds & not talk about HDFC Prudence Fund – it's like a DAY without SUN. This fund is a gem offering of Mr Prashant Jain – he is managing this fund since 1994 (since inception). I worked for HDFC Mutual Fund & got couple of chance to interact with Mr Prashant Jain – he used to say "I never changed my company. Once the private Mutual Fund opened in 1994 I started with 20th Century Mutual Fund, they sold it to Zurich & finally HDFC bought them." That's a big commitment from a Fund Manager, where these days' people change their jobs like shirts.
Below you can check 3 year rolling chart of HDFC Prudence fund – if someone had invested for 3 years in this fund, he always got positive returns.
If you compare HDFC Prudence with its category – it has outperformed the category in every single period. Even it has outperformed Sensex by wide margin baring period ending 2007. This is magic of Asset Allocation.
I have given you enough reasons why you should or why you should not invest in a balance fund. Hope this will clarify what you are looking for in a Balanced Mutual Funds. Share your views & questions in the comment section.
Great article Hemant explaining the benefits of balanced MFs. This is indeed a very good category for people who have limited risk appetite. As you rightly said the returns are highest when compared to the risk taken.
Also, as far as disadvantage of partial withdrawal for emergency is concerned, I don't think people should ever park emergency funds in MFs. FDs are best suited for emergency funds.
P.S. I have HDFC Prudence in my portfolio and it is indeed a great fund to invest in.
I agree with you.I will put only that money in balanced funds which is not needed by me at least for the next 5 years.For my short term as well as emergency requirements I will put money only in bank fixed deposits.
I have practically seen this happening & sometime emergency not mean real emergency but another opportunity popping – people start hopping. Or anything else that was not planned. Hope it clarifies the point.
Only yesterday I was thinking that after your post on best mutual funds of 2012 you had promised to write on balanced funds. I am glad that you have now fulfilled your promise.
Yes, I know you must be having many topics in mind all the time.Then you have to decide about the priority.I also face this situation many times.
5) IDFC Premier Equity Plan-A.
For All i have selected the growth option. I also plan to start sip in gold fund soon. My query is do i need a balanced fund for a goal 3yrs later. Or shd i opt for a RD instead. Thanks..
Even Anil ji is welcome to answer my query….
Balanced funds are best for medium term investment.For medium term I mean around five years.For three years bank RD will be ideal.Your fund selection is good.
Thanks for another nice article. My dad ( 62 yr old) had invested in HDFC Prudence (G) in 2005 as a lumpsome at NAV of 68/-. I have restarted monthly SIP of 10,000 in the same fund for him. Is this the right way or shd i divide this monthly amount equally into 2-3 balanced funds?? Is Balanced funds a good option for retired individuals who can withstand 65% equity exposure??
Investment horizon is important.If it is more than five years then balanced funds are OK.For a shorter time frame debt fund will be a better option.If risk appetite is low then equity exposure should not be more than 30%.
Yes, you can have more than one balanced fund for diversification.
Which is the recommended investment for a Firm ( Limited Liability Partnership with 3 partners) tht would be safe, give moderate reurns as well as tax efficient?? As its a firm, the tax bracket is 30%. Here agin, are Balanced funds a good bet, or shd we go for a Large & midcap category ( SIP mode) thanks again….
The most important thing is to have proper asset allocation all the time which is decided by your age, risk appetite and many other factors.For maintaining asset allocation you have to do periodic rebalancing of your portfolio.Moreover, as you approach your goals you have to gradually move from equity to debt.So you can keep a pure debt fund like BSL Dynamic bond fund also in your portfolio to do rebalancing.As far as risk is concerned there is no instrument without risk.
Hemant, I also have another query.
Please see the reply given to Sameer Shah.
Anil Ji , ur opinion is also welcome..
Great article Hemantji. Looks like you have an inclination towards HDFC Prudence, it is a great fund to invest. Your view on Partial Withdrawal is insightful, every 100 we draw, 65 of it is from equity. I guess when you are comparing the best funds, expense ratio hardly matters because I will take a fund that performs well with slightly higher expense ratio than a fund that performs poorly with lower ER. Thanks for sharing.
I think like me Hemant is also greatly influenced by the fund manager of HDFC Prudence fund who also happens to manage funds like HDFC Equity and HDFC Top 200.Prashant's views are mostly similar to Hemant's views.
Great to know Anilji. I agree with you, amongst all the fund managers in India, I respect him the most. But I also like Kenneth Andrade and Apoorva Shah. It's a personal view based on how well they have managed people's money.
Yes, there are many star fund managers across different fund houses.However, I believe that fund houses also play a role in the performance of funds.Star fund manager can shine only if the fund house provides the necessary environment.I have seen many good fund managers losing their shine on quitting good fund houses.
I am 32 Years Old blessed with a daughter and I am a Medium Risk appetite person. I am planning to invest in Following SIP's, can you please check and advice me, should I need to change any MF's. Thanks in advance.
You don't need 13 funds.You can easily manage with four to five funds.Selecting so many funds is diversification in numbers but not in style.Select only one fund from each category as well as one fund house.
Your fund selection is good but your portfolio is not properly diversified.There is no pure large cap fund.There are three large and midcap funds.Three funds are from the same fund house.
I want to invest around Rs 50000 every month for atleast 3 years,, and I would want to reap the benefits only after 10 years. I am willing to take a slight high risk in my investment but I am confused which funds to choose for the highest returns . Should I go for large cap or mid cap or small cap for a good return on the investment after 10 years ??
Can you suggest me the right type of fund for high risk, high return and which would be redeemed only after 10 years ??
Aiming for highest returns can not be the only reason of your investment.High risk does not always translate in to high returns.Risk and reward have to be properly balanced.Hence the portfolio has to be diversified across the category of funds as well as fund houses.
Return is not the only reason for selection of funds.Your portfolio must be diversified across types of funds as well as fund houses.You are already holding more than one fund from three fund houses.This makes your portfolio risky although your funds are good.
Than what is the reason of selection of fund?
as i have given my portfolio to you than according to you which fund i should stop and in which balanced fund i should start the investment? please suggest and my query is how a person should decide that where he invest either in debt fund or growth fund or balanced fund? and what is the basic difference in Balance fund and growth fund?
Thanks for writing such useful articles.
are these funds good to invest for long term(10 to 15 years)?
Do i need to add balance fund?
Already there are too many funds in your portfolio.However, for the purpose of rebalancing you can consider investing in some pure debt fund or balanced fund.Try to reduce your funds. There is no point in having too many similar funds.
hello hemant sir, i have 6 lacks rupees..pls suggest me where should i park it..fmp or mis scheem of post office.
I will sell Kotak Opportunities,Morgan Stanley & L&T infrastructure and will start HDFC Balanced Fund.
I want to keep remaining Funds for more 15 t0 20 years. I just want to know whether remaining funds will give good returns in future or not?
Thanks for the great article. I had Rs. 25000/- invested in Reliance Top 200 fund – Retail Growth plan (formerly Reliance Equity Advantage Fund) while it was launched in 2007 and stayed quite all these years. I could not understand its performance. Is it wise to keep it like that or to close it and shift the funds to any other MF's. Your suggestion is greatly appreciated.
You can not sit on your investments.If the performance of a fund falters it is better to get out and invest in a performing fund.
I am pretty new in world of Mutual Funds. I'd like to invest Rs. 8000/month. Recently, i have invested Rs. 2500/- in UTI Opportunities (G) via SIP. Could you please suggest other funds where i can lend rest Rs. 5500? I'd appreciate your help.
There are a few good funds..
You can consider investing in ICICI Prudential Focused Bluechip Equity and IDFC Premier Equity.
Investment in equity mutual funds is done when your investment horizon is long.You can consider investing in two balanced funds like HDFC Balanced Fund and BSL 95 for three to five years.
Thanks a lot for your Valuable reply..And could you guide me tell exact Mutual Fund Name and Amount ie (SIP) that should be invested for the same….
Please refer to the table of balanced funds given by Hemant.The names given are exact.You can divide the amount to be invested equally or in any other ratio.
Terrific article Hemant. It may interest you and other readers to know that moneysights has been suggesting that I sell HDFC prudence for several months now. While that maybe the suggestion churned out by their software (aided a little by the commission carrot!?), investors must be wary of such suggestions since fund changes must be made taking into account nature of goal, timeframe, assumptions made for a goal, time, risk, etc.
Dear Anil, You have been answering investor questions competently and enthusiastically (I mean that sincerely). While I am sure readers appreciate this I think they must also realize that: financial literacy and free advice are not the same.
It's news to me – have you asked them the logic behind this.
No. Sometime back I asked them: 'How do you make a living?'. I literally had to coax out the answer: 'through commissions'. I then started ignoring recommendations. If AMC commissions are not the same specific fund recommendations logical or otherwise could mean conflict of interest wrt to investor and AMCs.
Conflict of interest is a touchy phrase among many Indians. Many get all worked up and emotional without understanding what is being said.
Investors new to mutual funds could read articles on 'Types of Mutual Funds' pick any large cap fund for a start and invest while they learn more about it.
I think many people make suggestions based on short term performance of the fund.In the short term the performance of HDFC Balanced Fund has been much better.I am also guilty of suggesting HDFC Balanced instead of HDFC Prudence.
Hemant rightly says that some people prefer spoon feeding.
Iam pretty new to the mutual funds.While reading this i got little confused with the categories in which i need to invest.Iam planning to invest 5k per month.Could anyone give me some options and also i would like to know how do calculate returns?
If you are confused with categories then read -Best Mutual Funds To Invest In India In 2012.
In the meantime you can start investing in two balanced funds from the list given.
You don't need to do any calculations to get returns.You can get this information from Value Research web site.
Thank you for the wonderful article, followed by some excellent advice to queries.
1) Is there any particular exit plan from one MF to another MF. I mean can I just switch from one fund to another on any given day despite the fact the funds are mostly negative due to present market positions OR I need to wait to go green before doing so.
Some of the above purchases was done in good faith to be invested in long term only to find they did not perform well and hence had to discontinue and switch to another equivalent peforming fund.
Can you please suggest one more to the above to make the folio aggressive. I am looking for long term about 5-7 years may be more.
First thing which I would like to tell you is that never do any investment before doing your home work. Your portfolio of 12 funds indicates that you started investing without a plan.
Investment in equity mutual funds is done to meet your long term goals and your investment horizon should be more than ten years to reap the benefits of compounding.
You have to keep track of your funds.You should consider exiting a fund only if it falters in performance or if you need money.
If you select your funds carefully based on consistent long term performance then the need of frequent switchings will not arise.
Thank you for your response. Yes, you are right to some extent that I kept on investing in too many funds. But when I started, I had only few funds. They were best in the pack at that point of time. I read many articles, took advice and then invested. Over a period of time, I found some funds were not performing and were constantly on decline. So possibly the stupid thing I did was to stop further investments on those funds but kept them alive and started altogether a new fund altogether because there was no point in doing SIP in an under performing fund.
I read your last comment of choosing funds carefully, may be I did not with that above funds though everyone was saying my funds selection was extremely good at that point of time).
Anyways, no use of crying over spilt milk, some hard lessons learnt here. You have suggested 4 funds, I understand that I have to choose one of them and add to my revised portfolio as under : Am I correct in understanding this please?
Please do reply so that this time I wont be committing any error. I just want to stay invested for long term.
Secondly, all the unwanted funds, shall I simply Exit and transfer to my new portfolio immediately (subject that they have completed 1 year ). Is it that simple ? Please do advise.
Thank you once again for your valuable advice.
The funds I have selected will give you a portfolio of diversified equity funds.All are five star funds.So you can keep all if you want.
Regarding exiting funds if the performance does not show any signs of recovery over a considerably long time then there is no point in persisting with them.You have to take long term view while judging performance.
Keep tracking performance of funds after starting SIPs by comparing with index and peers.
Thank you ever so much for your advise. Sorry to be pain, but after realizing that I was investing directionless, it makes sense for me to ask you once again that do I exit all my previous 12 Funds. I understand the 04 funds you recommended are performing funds. So if I am revamping my portfolio, surely it cannot now be 12 (previous) + 4 (present) = 16 Funds.
What do I do, gradually phase out and transfer the new promising 4 new funds and continue new SIP with the 4 funds.
Again, apologies, I wont ask you again.. just trying to get this right please.
If you do not need the money immediately it makes sense to gradually come out of the non-performing funds in a phased manner and invest in your revamped portfolio.
Thank you so much for your valuable inputs. It is time for me to do some homework and revamp my portfolio. Thanks again!
First of all I want to thank you for the effort you take of replying to every body's queries . I need some advice from you on the following .
I am planning to invest around 50 K everymonth in SIPs. I have chosen ICICI Prudential Focused Bluechip , IDFC Premier Equity Fund and HDFC Mid-Cap Opportunities Fund … Could you please guide me on the ratio of investment in these funds ? for Eg 50:25:25 ? Please give me your opinion .
Invest around 75% in ICICI Prudential Focused Bluechip Equity and remaining equally between the other funds.
Our family group's most investments are in bank FD, L.IC., etc.
Now, we think that we have to invest in other than FD/ L.I.C., for better returns.
Please guide us for investements, as we don't have correct knowledge of it.
Thanking you & wishing your best co-operation.
If your aim is to create wealth in the long term, you can start investing in diversified equity mutual funds.
We want to take minimum risk. Please suggest us 3 best divesified equity mutual funds.
Thanking you & wishing your best guidence.
I would like to point out that in the short term investments in equity mutual funds are risky and you can even lose money but if you remain invested for a longer period of more than ten years you can expect inflation beating returns.If you are not prepared to take any risk then don't invest in equity funds.
Investing in HDFC Top 200 and HDFC Prudence means duplication? I have been advised to chose one of these. But personally I feel both of them are gems in their own way. While HDFC Top 200 is a Mid Cap fund, HDFC Prudence is a balanced fund and undoubtedly both these funds are top performing funds for many years now.
To spread your risk across fund houses it is advisable to invest in only one fund of a fund house.Moreover, if the fund manager of the two funds of a fund house happens to be the same person there is a strong possibility that many stocks of the two funds will be similar.This defeats the purpose of meaningful diversification.Even if both the funds of a fund house are good performers it is better to avoid investing in both funds.
HDFC Top 200 is not a pure midcap fund. It is a large and midcap fund.
I have gone thru ur above article, its splendid work, ocean of knowledge.
I wish to make first investment in MF via SIP. time horizon is more than 10 years.
I wish to start by Balanced fund in the starting, as suggested by you above.
Please advice which fund should I choose-HDFC Balanced fund or HDFC Prudence fund?
Both the funds are good.In the past the returns of HDFC Prudence have been slightly higher than that of HDFC Balanced. But recently HDFC Balanced has given better return.Both are five star funds.You can select any one.
Thanks for Ur precious comment.
I will start with HDFC balanced, SIP of 2000/m.
I also want to invest in ELSS via SIP from April2012. I don't have any investments yet in ELSS. Should I start with it now? In case of ELSS, SIP is better or lumpsum?
ELSS funds should also be treated like diversified equity funds.Tax benefits and three years locking period being the difference.In any case investment in equity funds is done when investment horizon is long.So you can use SIP route for investment in ELSS funds also.
Read your client- Rohan Doshi's Investing Journey on Manshu's blog. He seems to be very pleased with his experience.
Thanks for your earlier suggestions .
I am a 24 old NRI . Because I am abroad I thought of taking the mutual funds in my parents name . They met with a broker friend but the broker told them that he will take 2 % service charge . Now I guess that this 2 % is applicable to every SIP payment . I was investing in the tune of around 40-50 K , so 2 % on every SIP would result in a huge amount if I continue the SIP for a long duration .
As far as I know , Mutual funds can be purchased without any ENTRY LOAD . Can you confirm the same ? Can I buy the mutual funds directly from the AMC ? Is it a complex process because I would need my Dad in India to do the required paper work . Also please tell me if my name or other family member name can be put as nominee in the respective funds in case of an unfortunate event .
Yes, mutual funds can be purchased without any entry load.There is no need to involve any broker.Fund houses can be directly approached for investing in mutual funds.Paper work will be done by the fund house.Your father has to just provide the cheques and sign the application and bank mandate form.Your name can be put as nominee.
Sorry to bother you again . I am taking the ICICI Prudential Focused Bluechip Equity Fund , while checking their website I saw that there are 3 different types of this fund . ( Inst Growth , Retail dividend, Retail growth ) . So I am a little confused now which one to go with . Can you help please ?
Go for retail growth option.
Iam unable how we can check the returns of a fund on yearly basis or 3 yrly basis. I meam if i want to check the fund previous year return of last 1/ 2/3 yrs how can we do that.
You can get this information from Value Research web site.
can you help me choose between HDFC Balance and DSPBR balances.
as my exposure to HDFC AMC is high … does it make sense to switch to other AMC if yes then how about DSPBR Balanced fund??
HDFC Balanced fund is a better choice. As I do not have information regarding your other investments in HDFC fund house so it is difficult to comment.
Your post shows that these balanced funds give maximum profit when we invest there for 3-years or more. What are the alternatives to book quick profit ?
Investing is a get rich slow and not get rich quick process.
In may 2012 i will get a amount around 70000 as a performance bonus. waht you will suggest should i invest in debt funds or in some other . My time horizon is two year. after that will buy a car for my family.
For investment horizon of two years go for bank fixed deposit.
Very well written article.Another advantage of investing in a balanced fund is that the investor is taxed only when he/she withdraws from the fund ,though the fund manager does regular portfolio re-balancing( buying/selling) to maintain the equity/debt ratio . An investor who does his own balancing through a portfolio mix of equity and debt funds in the same ratio will have to bear the tax implications each time he/she exits or switches between funds.
Balanced fund provides the best of both worlds but one must make a careful analysis before chosing a fund. Secondly this fund is not ideal for everyone. Selecting a fund category depends on many factors which must be evaluated. Seek proper advice from a registered advisor for assistance.
No fund is ideal for everyone.
Can you please advice my fund selection for SIP for 15 years for wealth management mentioned below. Please suggest whether these funds are good performing and my planning is on right track ?
I had invested about 90,000 in HDFC Equity and 1,00,000 in HDFC Top 200 as lumpsum about a year or so ago. Is it wise to remain invested in these or exit right now and invest in a balanced fund like HDFC Balanced ? Pls guide ..
Investing systematically is a better option than lump sum investment. You should not exit unless you are badly in need of money now as you will be a loser under the present condition of the market. Moreover, investment in equity mutual funds is done with a long investment horizon.
I am Lakshmipathy G. I am new to mutual Funds.
I have read some of your links from tflguide.com and my other favourite jagoinvestor , It gave most insights for financial planning.
Now i want to start investing in Mutual Funds. Now I need your suggestions to make it a reality.
Investment Objective : Retire in 10 years.(Achieve Freedom from working for money).
SIP Amount : 20,000 Rs per month.
Risk Appetite: 30-40% loss should be fine.
(20,000 * 12 * 10 = 24 Lakhs -Total Investment. Expecting in case of loss atleast 15 Lakhs after 10years).
Marriage: Planning to get married this year.
Dependants: Parents Depend upon me.
Profession : Software Engineer by profession, Musician by hobby(hoping to convert into a profession after 10 years).
Monthly Expenses: 30,000 per month on a average.
Plans : 70% Equity and 30% Debt.
To kick start my self, i thought of doing something in HDFC.
As i have read from your articles, selecting a same fund house for multiple funds is not advisable.
I am not sure whether to go for a Equity Or Balanced(HDFC Balanced or HDFC prudence)?
If Equity then HDFC(HDFC Equity or HDFC 200) – Large Cap Fund?
If Balanced then (HDFC Balanced or HDFC prudence) – Balanced Fund?
For Large Cap Fund, I am thinking of ICICI Prudential Focused Bluechip Equity OR DSP BlackRock Top 100 Please Advice?
For Large & Mid Cap Funds, I am thinking of UTI Opportunities or HDFC Top 200?
For Multi Cap Funds, I am thinking of HDFC Equity Or Reliance Equity Opportunities Fund – Retail Plan -Growth?
For Mid Cap Funds,I am thinking of IDFC Premier Equity Plan A Or Birla Sun Life MNC Fund (G)?
For Balanced Funds HDFC Balanced or HDFC prudence – Balanced Fund?
Need your help on this?
Investment Objective : Child Marriage or Child Education after 20 Years.
SIP Amount : 3,000 per month.
Plan : PPF for 20 Years.
So not considering PPF For the first Goal.
Please help to make my dream reality.
You are 31 and not even married. I don't understand why you want to retire in ten years. For retirement planning keep your investment horizon long.
Can you please advice my fund selection for SIP for 15 years mentioned below. Please suggest whether these funds are good performing and my planning is on right track ?
I am not an expert but this looks good to me. However, don't keep on investing blindly for 15 years, keep checking the performance at least once a year and get rid of any non-performing funds.
I am planning to open a SIP, please suggest me which fund should I opt for.
I want to start with investment in SIP with minimal 2k/month.
In current, all my investments are in asset class like LIC, PPF, FD, RDs.
I went through your articles regarding balanced MF, investment in equity MF, then investment in ELSS.
I Understood that ELSS has lock in period. we should look for long term.
In Equity core & satellite type of investments are there , we should look in diversified investment across mutual funds.
Balanced MF tradeoff risk and returns.
I am looking for long term investment 5 – 7 years. I have a strong heart and mind for market volatility. Investment method will be SIP.
i earn 5 lpa. i am 24 years old. I am investing 10000/month in FD and planning to start term insurance and PPF as per one of your articles.
1) How much % of income is regarded as best for investing in MFs.
Since you are young you can have large exposure to diversified equity mutual funds. Select one fund from each category and keep your investment horizon long.
I am planning to start an SIP in one out of SBI FMCG Fund or HDFC Balanced fund. Is it a good option to go for FMCG fund??
Both funds are good but serve different purpose. You can invest in FMCG fund but exposure should be limited.
Should I keep both large cap or 1. If 1 which one.
Should I keep both M&S cap or 1. If 1 which one.
Which 2 ELSS should I keep.
In addition, I am planning to start 2 ETF of 5000 PM each.
Please advise the best portfolio for long term investment plan with average risk.
Select one fund from each category and not more than one fund from a fund house.
Thanks for the response. It would be a great help to suggest the best portfolio since selection from the list is becoming bit difficult.
Since I have already kept funds from ICICI/HDFC/Franklin, and I need to have ELSS for Tax saving (being NRI PPF is not allowed), please advise which ELSS I should keep.
Please advise on the above request.
3) Since I have already kept funds from ICICI/HDFC/Franklin, and I need to have ELSS for Tax saving (being NRI PPF is not allowed), please advise which ELSS I should keep.
Awaiting your kind support and guidence.
We have never invest in Mutual Fund.
get good returns in our investments.
Please advice us, your guidance will be very useful to us.
Investment and insurance should not be mixed. You can start with a SIP in good balanced fund.
O. K., Investment and Insurance should not be mixed, then advice me which are the 5 best balanced fund, so that I can start with a SIP.
I am new Investor, so only balanced fund is suitable to me ? or Should I invest in differenct type of mutual funds ?
Thanking you & awaiting your earliest advice.
Could this be a dream portfolio for long term wealth creation at least 10 – 12 years away for retirment please.
I am tempted to add Quantum Long Term Equity to the above . This will help in neutralizing the aggressiveness of the overall Portfolio with only DSP Top 100 conservative.
Am I thinking on right lines? If not your valuable suggestions please.
Iinvest 3500 pm in mutual fund.2500in balancegrowth fund (sip)1000 in equity fund. Should icontinue or withdraw.
You can continue with your portfolio.
Hello Hemant & Anil.I must appreciate your dedication & helping nature..
I want to invest lumpsum 4 lacs.
Aim of investment is to yearly payout divident or something like that & to be used it as a rent of my flat so that it could lower the stress on my sslary.Please suggest me proper fund.
Its difficult to plan for a fixed amount from mutual fund sinvestment. But yu can supplement it with a fixed income instrument like FDs to achieve your objective. Monthly Income plans are a goo dopton when you wish to have regular income.
Both are good funds and switching to other should result from under performance for a long time and not due to difference in returns.
I'm planning to invest in Mutual Funds and Sector fund through SIP of Rs.10,000/-pm for 10 years. Here i chose some funds but not sure of stable assets and funds allocation. Kindly suggest me in funds selection and what amount should I invest in each fund. And any alteration recommend will be more helpful.
2.	ICICI Prudential Focused Bluechip Equity OR ICICI Pru Discovery Fund ???
I am planning to invest in MF SIP(balanced funds). About 3000 PM. Please if you can suggest which fund should i invest and for how long should i keep for better returns.
Also please if you can let me know the difference between GOLD ETF and Gold fund, and which is the best to invest in from these 2. I am also planing to invest in gold also.
now i wan to start a investment in balanced fund. can you guide which balanced fund i can start for investing.


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The Boston Criminal Lawyer Blog Discusses A Gruesome New Hampshire Murder , Insanity And Direct Examination
It is too bad that there are no awards shows for the criminal justice system. A couple of years ago, The Boston Criminal Lawyer Blog began presenting virtual memberships to the "Hey, I Bet I Can Make This Situation Worse!" club. Maybe we should revisit it. In the meantime, however, some kind of award should go out to the Nashua murder defendant, Christopher Gribble (hereinafter, the "Defendant". As you may know he is on trial for a gruesome murder and associated crimes in New Hampshire.
If such award ceremonies were held, this year's award for the most stunningly grotesque would go to the Defendant for his testimony at trial, second only to the scene of the crime itself.
It should be noted that the Defendant has admitted that he and his buddy Steven Spader (hereinafter, "Co-Defendant Buddy") killed 42-year-old Kimberly Cates and tried to kill her young daughter. However, he has pleaded not guilty by reason of insanity.
While he was on the stand, the Defendant, during direct examination described in detail the details of the crimes he committed after he broke into the home and found his way to the bedroom where mother and daughter slept.
While, on one hand, the Defendant says he does not remember certain moments because it got "really weird", he seemed to remember enough details to seemingly reflect some pride in a job well done.
"I was very precise," the Defendant explained. "I didn't just jump and hack haphazardly. I was very controlled, not in comparison to him [Co-Defendant Buddy]. He was just like all over the place…I went for some sort of shot…I'm pretty sure it was a neck shot, it being high. But I missed."
But don't make the mistake of thinking he was having any fun, simply relieved. As the Defendant put it perhaps more vividly, "It's not like it was exultant…It was like something had been weighing me down. . . . The way I felt, it was like I felt so much better because I didn't need to do it anymore, to kill somebody."
Of course, there was the language commonly heard in insanity defense cases. "It was almost like a set of commands I knew to follow", the Defendant explained to the jury. "The next thing that I did, OK, I switched over and stabbed her once or twice in the chest,…Somehow she started to pull away from me, and I remember her saying something like, " 'Why are you doing this?' "
An then, the moment of recognition. Finally, the lights came back on in the room so that the Defendant could see what he and Co-Defendant Buddy) did. In his words, he thought, "Wow! This is just like a CSI [television show] scene. . . . It was so cliché as to stick out in my mind."
….And all this was on direct examination!!
Attorney Sam's Take On Massachusetts Murder, Insanity Pleas And Trial Procedure
Now, although I have handled a few New Hampshire criminal matters, I do not profess to be an expert on the specifics of the Granite State's criminal statutes. Therefore, I will look at the case through Massachusetts-tinted glasses.
Believe me, with these issues, it will not matter.
First of all, the Defendant has taken the position that he is not guilty of the murder and the attempted thereof because he was legally insane. This would mean that he must show that he could not distinguish between right and wrong. It is based on an age-old belief that an individual cannot be punished for a wrongful act if he could not appreciate the criminality of his conduct.
Now, most of us would look at this defendant's acts and say, "he must be crazy!" But that is not using the word the same was as the law does. This is why, when trying to decide if the Defendant understood what was doing, a cross-examiner will often question a defendant as to details and thoughts during the act. This would go to show, the cross-examiner hopes, that the act was thought out and calculated and that the defendant knew exactly what he or she was doing.
In this case, I have to wonder whether the Defendant and defense attorney really understood that. Now, I may be a bit jaded after practicing criminal law for so long, but his testimony seemed to reflect a very aware man who methodically committed the acts about which he testified and, if anything, was proud of how he was more controlled than his cohort. True, he did indicate that he was "almost" following commands in his head, but it would seem that those commands were his own. In other words, "the plan".
I have had similar conversations with myself…although not during the same sort of…acts.
Now, today we looked at his direct examination. This is done, you may know, when the attorney calls the witness to the stand. In this case, it is the Defendant's own attorney who had called him to the stand to testify on his own behalf. In other words, this testimony should be delivered in the light most favorable to the Defendant.
…so it would seem to me that he is in trouble already…!
The next step, of course, is cross-examination, when the prosecutor gets up to try to tear this "most favorable" testimony apart.
What happened in this case? Well, you will have to wait until Monday's blog for that.
In the meantime, I once again remind you that if you are looking at criminal charges being leveled against you, the best thing you can do for yourself is to retain an experienced criminal defense attorney. One who knows the playing field. If you would like to contact me about such a matter, please feel free to contact me to arrange a free initial consultation at 617-492-3000.
In the meantime, have a great, safe and law-abiding weekend!
To view the original story upon part of this blog is based, please see http://www.boston.com/news/local/new_hampshire/articles/2011/03/16/at_nh_trial_stark_recounting_of_attack/
Posted in: Criminal Law and Murder

redpajama_set_name: RedPajamaCommonCrawl


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Barrio de la Salud är en ort i Mexiko.   Den ligger i kommunen Las Vigas de Ramírez och delstaten Veracruz, i den sydöstra delen av landet,  km öster om huvudstaden Mexico City. Barrio de la Salud ligger  meter över havet och antalet invånare är .

Terrängen runt Barrio de la Salud är kuperad åt sydost, men åt nordväst är den bergig. Terrängen runt Barrio de la Salud sluttar norrut. Den högsta punkten i närheten är Las Lajas,  meter över havet,  km söder om Barrio de la Salud. Runt Barrio de la Salud är det ganska tätbefolkat, med  invånare per kvadratkilometer. Närmaste större samhälle är Perote,  km väster om Barrio de la Salud. I omgivningarna runt Barrio de la Salud växer i huvudsak blandskog.

Kustklimat råder i trakten. Årsmedeltemperaturen i trakten är  °C. Den varmaste månaden är april, då medeltemperaturen är  °C, och den kallaste är januari, med  °C. Genomsnittlig årsnederbörd är  millimeter. Den regnigaste månaden är september, med i genomsnitt  mm nederbörd, och den torraste är januari, med  mm nederbörd.

Kommentarer

Referenser

Orter i Veracruz

redpajama_set_name: RedPajamaWikipedia


Love these key rings!! They are SO strong and tough and really impressed with the quality. Best keyring I've ever bought, and great design too.
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This is the day we draw for the winner of the Beretta A400 Gun Raffle. Thursday, December 10th is the 4H Homeschool Hotshots Christmas Party. Starts at 11AM. All tickets must be in by 11AM. Don't forget your Chinese/White Elephant present:-) and of course your dish!
Trinity Rescue Mission will host 100 target event on Friday, November 4, 2016. 2016-clay-shoot-sponsor-sheet or contact Rick Denny at 904.335.1205 x 14 or email rdenny@TrinityRescue.org Please be part of a very worthwhile event. Register today!
Friday, December 2nd, 2016 The NCSO will be having the Annual Sheriff's Shoot. You know it is for a good cause and you are going to have a great time so get it on your calendar and get your team ready. For the flyers: 2016-sponsorship-levels-sheet 2016-flyer_page_1-of-2-1 Don't miss out! You will be so disappointed.
Due to private party reservations, we have cancelled the September 24th Shoot date. We apologize for any inconvenience.


Features handcrafted, illuminated Christmastown buildings, favorite characters, more. Select figurines and accessories are FREE with the collection!
All the handcrafted and hand-painted Rudolph Christmas Town village buildings light up, casting a warm holiday glow on your beloved friends, Rudolph and Clarice, Santa and Mrs. Claus, the lovable Hermey, Bumble and more! This magical village collection is an exclusive Hawthorne Village collectible first and a great value you don't want to miss, so hurry! Strong demand is expected - order now!
Rudolph The Red-Nosed Reindeer© & ® The Rudolph Co. L.P. "Rudolph the Red-Nosed Reindeer" animated program ©1964, renewed 1992 Classic Media, Inc. All rights reserved. Under license to GT Merchandising & Licensing LLC.


Most of us take the Internet for granted. We can log into our e-mail and browse the World Wide Web. But when the ARPANET project began, there were no procedures or systems in place to let different computers share information. Everything had to be invented from scratch.
One of the most important decisions the ARPANET team made was to create a standardized system of protocols that the host computers and IMPs would follow. A group called the Network Working Group formed to take on the job. At first, the creation process was chaotic and disjointed. The ARPANET team began to design and establish these protocols through its RFCs.
Early in the process, the team recognized the need for two specific tasks: Create a way for users to log in to the system remotely and make it possible to move files from one machine to another. Remote login later became known as Telnet, and moving files back and forth became part of the File Transfer Protocol (FTP). The team submitted these first two protocols to Larry Roberts, the head of the project. Roberts decided that the initial protocols weren't ambitious enough and told the team to include more functions and processes.
The team began to design the Network Control Program (NCP), a symmetric host-host protocol. In simpler terms, this was the procedure for allowing computers to communicate within the network as well as adding more hosts to the network to make it bigger. The NCP also controlled the path and flow of data over ARPANET. It established the practice of using numeric host addresses for network communication and was a forerunner to today's domain name servers (DNS).
ARPANET also took advantage of a revolutionary new way to send data: packet switching. In packet switching, host computers divide each computer file into smaller segments called packets. Once the packets are transferred, the pieces are reassembled into the original files.
Packet switching plays an enormously important role on the Internet today. Information can flow through the entire system much faster when computers break files into smaller pieces. That's because one huge file traveling through a pathway takes up a lot of bandwidth. Several smaller packets can travel through different paths within a network to the same destination. If part of a pathway is closed for some reason, the road-blocked packets can find another path while the rest of the information continues to load on the user's computer.
In the next section, we'll learn about some of the tasks ARPANET made possible for the first time.
NCP provided the groundwork for Transmission Control Protocol/ Internet Protocol (TCP/IP) suite of Internet protocols. Robert Kahn and Vinton Cerf designed TCP/IP, which determines how information moves through the Internet and verifies that the information gets where it's going. Think of TCP/IP as a traffic control system -- without these protocols, computers wouldn't know which pathways were available and the entire network could crash.


Please add your comment or reason for addressing the commission above.
Individuals wishing to address the Planning and Zoning Commission on specific terms, during public meetings or at the Call-to-the-Public segment of the public meeting shall be required to abide by the following rules:

 1.	Citizens wishing to be heard will be required to fill out a Call to the Public request form and turn it into the Planning and Zoning Commission Secretary before the meeting begins.

 2.	Each individual will be allowed to speak only once. Each speaker will be restricted to (3) minutes. The Chair will announce any time adjustments at the beginning of the meeting. Organized groups with one spokesperson may be allowed double time by the Chair, time permitting.

 3.	Speakers will begin by providing their name and address for the record. You will be required to complete your statement prior to the commission responding. This will assure the speaker their full time. Should the speaker ask questions, the questions will be responded to following the completion of the statement and directed by the Chair.

 4.	Respect the rights of the parties speaking whether you support or disagree with them. Parties failing to abide by these rules will be removed from the meeting.
1.	Citizens wishing to be heard will be required to fill out a Call to the Public request form and turn it into the Planning and Zoning Commission Secretary before the meeting begins.
2.	Each individual will be allowed to speak only once. Each speaker will be restricted to (3) minutes. The Chair will announce any time adjustments at the beginning of the meeting. Organized groups with one spokesperson may be allowed double time by the Chair, time permitting.
3.	Speakers will begin by providing their name and address for the record. You will be required to complete your statement prior to the commission responding. This will assure the speaker their full time. Should the speaker ask questions, the questions will be responded to following the completion of the statement and directed by the Chair.
4.	Respect the rights of the parties speaking whether you support or disagree with them. Parties failing to abide by these rules will be removed from the meeting.


Patent Foramen Ovale (PFO) is a medical condition wherein tissue flap in the wall between left and right atrium remains persistently open, allowing a small amount of blood to pass from the right side of the heart to the left side of the heart. PFO closure device are implantable device used to treat PFO through a minimally invasive, catheter-based technique, implicated in a number of pathological states, including cryptogenic strokes, transient ischemic attacks, migraine with auras, decompression sickness, and severe refractory hypoxemia. PFO closure device market is driven by high incidence rate for ischemic stroke and new product launches.
PFO closure device market is majorly driven by the high incidence of ischemic stock. Stroke is the second most common cause of death in the world. According to the American Stroke Association, 2016, annually more than 795,000 people in U.S. suffer from stroke, of which about 87% of stroke are ischemic strokes. Furthermore, increasing number of congenital heart disease is expected to propel growth of the PFO closure device market. For instance, according to American Heart Association, around 40,000 infants are born with a congenital heart defect in the U.S. annually and around 2 to 3 million individuals are suffering from congenital heart defect. Moreover, increasing adoption of life style related risk factors such as alcohol, smoking, drugs or sedentary life style is expected to elevate the risk of stroke incidence.
Moreover, new product launches are expected to boost growth of the PFO closure device market during the forecast period. For instance, in April 2018, W. L. Gore & Associates, Inc. received the US FDA approval for its GORE CARDIOFORM Septal Occluder for PFO closure to prevent recurrent ischemic stroke. The study claimed 77% reduction in recurrent ischemic stroke when PFO closure was combined with antiplatelet therapy, as compared to antiplatelet therapy. Moreover, in 2016, Amplatzer PFO Occluder device was reintroduced after product recall with FDA approval to reduce stroke risk for patients with prior cryptogenic stroke. Furthermore, increasing clinical trials for new device is expected fuel growth of the PFO closure device market. For instance, as on 2016, Lifetech Scientific (Shenzhen) Co., Ltd. was conducting its Post Market Clinical Follow-up study for its device named IrisFIT PFO Occluder for the indication of PFO.
PFO closure device market is expected to be hindered by product discontinuation or recall. For instance, in 2013, W. L. Gore & Associates, Inc, discontinued its product GORE HELEX Septal Occluder, as a result of sued for patent infringement. Moreover, in 2013, St. Jude Medical recalled Amplatzer PFO Occluder, assigned as Class I tagged product recall by FDA.
Based on geography, the PFO closure device market has been segmented into North America, Latin America, Europe, Middle East, Asia Pacific, and Africa. North America holds dominant market share attributed to high incidence of ischemic stroke. Furthermore, Asia Pacific is expected to fastest growing PFO closure device market due to increasing awareness among the population about PFO. For instance, PFO Funding Organization, Australia-based not for profit organization, works to increase public and physician awareness of the medical condition called patent foramen ovale (PFO) or 'hole in the heart' and its importance to cardiovascular and neurological health.
Key players operating in PFO closure device market includes AGA Medical, Abbott (previously known as St Jude Medical, Inc.), WL Gore and Associates, Swissimplant AG, and Occlutech.


room interiorInterior design is the art and science of improving the interiors, sometimes including the exterior, of an area or building, to achieve a healthier and more pleasing environment for the end user aesthetically. An interior designer is someone who plans, researches, coordinates, and manages such projects. Interior design is a multifaceted job that includes conceptual development, space planning, site inspections, coding, research, conversing with the stakeholders of an project, building management, and execution of the design.Home design is the process of shaping the knowledge of interior space, through the manipulation of spatial amount as well as surface treatment for the betterment of individuals functionality.In the past, interiors were come up with instinctively as part of the process of building.The profession of home design is a consequence of the development of society and the complex architecture that has resulted from the development of commercial processes. The quest for effective use of space, end user well-being and functional design has contributed to the development of the contemporary home design profession. The vocation of interior design is individual and specific from the role of Interior Decorator, a term commonly found in the US. The word is less common in the united kingdom where in fact the profession of home design is still unregulated and for that reason, strictly speaking, not yet officially an occupation.In old India, architects used to work as interior designers. This is seen from the recommendations of Vishwakarma the architect - one of the gods in Indian mythology. Additionally, the sculptures depicting historical texts and occasions are seen in palaces built-in 17th hundred years India.In early Egypt, "soul houses" or models of houses were positioned in tombs as receptacles for food offerings. From these, you'll be able to discern details about the inside design of different residences throughout the several Egyptian dynasties, such as changes in air flow, porticoes, columns, loggias, windows, and doors.Throughout the 18th and 17th century and into the early 19th hundred years, interior adornment was the matter of the homemaker, or an hired craftsman or upholsterer who suggest on the imaginative style for an interior space. Architects would also employ craftsmen or artisans to complete home design because of their buildings. Color is a robust design tool in decorating, and home design which is the creative art work of structure, and coordinates colors to generate stylish plan collectively.Interior designers have understanding of colors to comprehend psychological effects, and meaning of each color to create suitable combinations for each and every accepted place. Combining Color gives a certain state of mind also, and has positive and negative effects. It makes a available room feel more calm, cheerful, dramatic or comfortable. It makes a tiny room seem larger or smaller also. So that it is the inside designer profession to choose appropriate colors for a location in a way people want to appear and feel in the area.Interior designers must be very skilled in order to build interior conditions that are practical, safe, and adhere to building codes, aDA and regulations requirements. Each goes beyond selecting color palettes and furnishings and apply their knowledge to the development of construction documents, occupancy loads, healthcare regulations and sustainable design principles, as well as the management and coordination of professional services including mechanical, electrical, plumbing, and life safety--all to ensure that people can live, learn or work within an innocuous environment that is aesthetically pleasing also.Someone may decide to concentrate and develop complex knowledge specific to one type or region of interior design, such as home design, commercial design, hospitality design, medical care design, universal design, exhibition design, furniture design, and spatial branding. Home design is an innovative job that is new relatively, constantly evolving, and baffling to the public often. It isn't an artistic pursuit and relies on research from many fields to give a well-trained knowledge of how people are influenced by their environments.


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This Fat Santa slot sees the jolly fat man himself fly across the 5×5 reels and 50 paylines rewarding you with wilds and of course some festive cheer.
Push Gaming's first Christmas themed slot, this Fat Santa game is full of seasonal symbols and winter wonders.
Set on a backdrop of fluttering snowflakes over the snow covered trees and log cabin is a 5 reel, 5 row grid full of symbols. The low paying symbols represented by colourful baubles, while the higher paying ones are represented by presents, snowmen, reindeer and of course Santa's little helpers the elves.
The highest paying symbol of the lot though and the one that you'll want to keep a sharp eye out for is the cartoon Santa himself who acts like a wild symbol and can replace all other symbols on screen.
A feature that Push Gaming used with great effect in their Fat Rabbit slot machine which this casino game is essentially a copy, just with a more festive theme.
Will Santa grace you with a wild sleigh ride?
One of the features that will randomly occur throughout your real money spins is the Santa's Sleigh Feature.
Randomly on any spin Santa and his reindeer led by Rudolph will fly across the screen dropping Wild Christmas Pies on to the reels.
This helps with creating some decent 3, 4, and 5 of a kind wins letting you keep spinning a little more till you hit the free spins.
And it's the free spin games where Santa starts growing his appetite for Christmas and hopefully your casino balance too.
It's no wonder Santa is a jolly round man, it's surprising he's not bigger than he is seeing as he supposedly eats all the pies that the kids leave out for him.
Well, in the Fat Santa slot free spins is where growing his belly becomes the main aim of the game.
Find Santa symbol and Wild Christmas Pie symbol in the base game and you'll trigger your five free games.
Here, every time a Christmas Pie lands on the reels Santa will move to that symbol and eat it.
When he's eaten four in a row he'll grow from a simple single symbol to a symbol covering 2×2 symbols and will reward you with 3 extra free spins.
This can continue up to 4 times with if you are lucky leaving you with a santa covering the whole screen.
More than likely you'll trigger his belly growth once or twice during your free spins rewarding you with around 20 – 30x your bet, depending on good you've been throughout the year.
Is the Fat Santa mobile slot worth a spin?
It's fun, it's festive and unless you're literally the Grinch then you're going to have some entertaining spins here.
The unusual 5×5 reel layout changes things up from the start, while the Santa's Sleigh feature adds some regular base game wild action with us seeing wins up to 20x our bet.
You will have to spin a good 100 – 120 base game spins in our experience to hit the free spins but when you do and if you're lucky and find ol St Nicholas in a hungry mood can reward you with some mega wild wins thanks to the growing wild.
With a 0.25 starting bet it lets all types of slots players from beginners to more experienced with bigger budgets the chance to get in on some pie eating action.
A theoretical return to player rate of 96.45% and medium volatility also adds to some frequent yet decent payouts.
If you're after a fun Christmas slot and you're after a little less volatile machine than the likes of Merry Xmas or Ho Ho Tower then this is a good choice.
Go give it a spin for yourself for fun or real money and see how big you can grow Santa's belly at our top casino sites.


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Movies like Okkadu 2003
Indian Telugu-language romantic action film written and directed by Gunasekhar.
If you like Okkadu you might like Telugu-language films, Indian films, Telugu films remade in other languages and Films shot in Hyderabad.
similar movies to Okkadu, like Pokiri...
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Like the recommendations for Okkadu?
People who like Okkadu (2003 Movie)
Janee janee @skjaneebashaa001
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Jyothir Aditya @JyothirAditya


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Parents arrested after 2-year-old child shoots 9-year-old brother in head
Boy is not expected to survive
By: Max Walker
A 9-year-old boy was accidentally shot in the head by his 2-year-old sibling, leading to the children's parents being arrested in Phoenix, Arizona.
According to Phoenix Fire Department Capt. Reda Bigler, the child was shot just before 3 p.m. local time on Monday.
A Phoenix Police Department spokesman said the child was taken to the hospital in extremely critical condition. Police originally reported the child died from his injuries, but said Tuesday that he remained on life support and is not expected to survive.
Police say there were three other children in the home at the time of the shooting, along with 28-year-old Wendy Lavarnia, their mother.
Lavarnia told investigators that she placed a loaded gun on the bed and went to retrieve a holster. When she returned, she saw that her 2-year-old child was holding the gun and her 9-year-old son had been shot.
A man who later pulled up to the house asked police officers, "What happened to my kid?," and was placed in handcuffs. Officials on the scene confirmed the man is the victim's father and later identified him as 31-year-old Kansas Lavarnia.
#BREAKING man who said "what happened to my kid" placed into handcuffs at shooting scene by @phoenixpolice @abc15 pic.twitter.com/TvFLp340hu
— Joe Bartels (@Joe_Bartels) March 21, 2017
Authorities said the incident remains under investigation.
Wendy Lavarnia was booked into jail on four counts of child abuse for endangering her children with the loaded gun. Kansas Lavarnia was booked into jail on one count of being a prohibited possessor of a gun in the home.


A rare fixed-term contract opportunity has presented for an experienced Human Resources Professional to join our city-based client. Our client is a large organization undergoing a period of extended change. This role is responsible for managing a wide range of HR generalist activities including providing HR advice, guidance and support to internal managers and their teams. The culture is energetic, corporate and collaborative, and the HR teams are supportive.
Working closely with your own client groups, you will be partnering with them to deliver generalist HR support with an opportunity to work across a number of key projects. This role would suit someone with with strong generalist HR knowledge and strength in Employee Relations. You would enjoy this environment if you are naturally energetic and collaborative, and enjoy a highly visible HR remit.
You will be highly visible and provide proactive leadership and coaching to your client group. To be successful in this opportunity you will require intelligence, proactivity and the maturity to truly partner with your internal clients. You will be capable of leveraging support from senior stakeholders and have a pragmatic approach to achieving organisational goals.


text:
4 Rutgers professors named on 'watchlist'
11/30/16 5:58am Kira Herzog
Photo by Rutgers.edu |
Conservative group "Turning Point USA" has released a "Professor Watchlist," including four Rutgers faculty members, identifying them as instructors with specific viewpoints. Norman Markowitz, professor in the Department of History, said he does not care if his students share his views when he is teaching.
Two weeks ago, the conservative group "Turning Point USA," launched the "Professor Watchlist," a site that documents and provides profiles of University professors who allegedly express "liberal biases."
Four of the estimated 200 professors on the vigilante site are faculty members at Rutgers.
The site enables users to search for professors either by name or by school affiliation. If the professor is documented, the page will show a photo of them alongside the alleged qualifications for their inclusion on the site.
According to website's homepage, professors included on the list promote liberal privilege. The list includes professors accused of "advancing a radical agenda" or "discriminating against conservative students" in their classrooms.
Anyone using the site can "submit a tip" about a professor, but according to the site, they will typically only add a profile if the professor's views and statements can be confirmed or if they have been discussed in news publications.
For Norman Markowitz, a professor in the Department of History, the "transgressions" that placed him on the list relate to his affiliation with the Communist Party.
He is described by the creators of the watchlist as a "longtime defender of the Communist spies Julius and Ethel Rosenberg" and an "active member of the Communist Party USA."
"I have taught at Rutgers since 1971, developing courses in, among other things, the history of Socialism and Communism," Markowitz said, "I tell my students at the beginning of every course that I teach from a Marxist perspective and I explain what that means in terms of seeing political economy as the foundation of societies."
Markowitz said he also clarifies to each of his classes that he does not expect his students to share his viewpoints and that he does not "reward or punish with grades" any student who agrees or disagrees with him.
In response to the website's launch, some publications, including the New York Times, Slate and BBC have mentioned growing public concern about the watchlist posing a threat to academic freedom.
In an email, Markowitz said a parallel exists between the professor watchlist and McCarthyism.
"One might remember that the first words, which catapulted Joe McCarthy into the national headlines in 1950 were, 'I have here, in my hand, a list," Markowitz said. "McCarthy's stock in trade was to hurl accusation after accusation, and simply go on changing 'facts' to suit him."
Markowitz said the threat the list poses to first amendment rights is real and direct. During the cold war, Markowitz said professors and students were afraid to speak out on public issues, participate in meetings or discuss controversial issues. The result— a culture of "self-censorship" and "repressive tolerance."
The other Rutgers professors listed include Vice Chair for Undergraduate Studies William Field, Assistant Professor in the Department of Women and Gender Studies Brittney Cooper and Associate Professor in the Department of Women and Gender Studies Jasbir Puar.
The three were not available for comment. The allegations that led to their inclusion on the list range from blaming Brexit on white nationalism and supporting the protest against Condoleezza Rice at 2014 commencement to a professor showing support towards Palestine during lectures.
Most media outlets have framed the website as an example of fear mongering and repression. But in an interview with the New York Times, Matthew Lamb, the director of Turning Point USA, said the watchlist is a direct expression of First Amendment rights.
"This site is a beautiful example of free speech. Professors can say whatever they want, other people can report it and we can compile the reports on whatever they say," Lamb said in the article.
The organization behind the site focuses primarily on garnering youth involvement in conservative politics. Their stated mission is to "identify, educate, train and organize" students to promote principles of limited government and free markets.
Outreach towards young voters is vital to the Republican Party, which has faced a long term struggle in securing the millennial vote. A study by the Pew Research Center showed that just 3 percent of millennials identify themselves as consistently conservative.
Some students have responded to the website by submitting false tips and spreading the hashtag #trollprofwatchlist." According to NJ Advance Media, administration at Rutgers responded to the list with a segment from University President Robert L. Barchi's press release on free speech from earlier in the semester.
As of now, no further actions or statements have been made.
"it is important to stand up against attacks like this emanating from groups who wish to create a climate of fear," Markowitz said. "Large numbers of people, especially students are worried about (President-elect) Trump and afraid of what he is capable of doing, but they are not running and hiding."
Kira Herzog is a School of Arts and Sciences sophomore majoring in political science and journalism and media studies. She is a correspondent for The Daily Targum. Follow her on Twitter @kiraherzog1 for more.
Kira Herzog
Cap and Gown: Eagleton graduates look to future


1. How to Enter: Beginning at 4:00 p.m. Eastern Time ("ET") on October 24, 2017 until 4:00 p.m. ET on October 31, 2017 (the "Promotion Period"), you may enter the Ree Drummond Cookbook Giveaway (the "Promotion"). Incorrect and incomplete entries are void. These official rules are also available on the Food Network website (www.foodnetwork.com/profiles/talent/ree-drummond/official-rules--ree-drummond-cookbook-giveaway) (the "Website").
If your Instagram Account is set to "protected mode", your updates/responses may not be visible to Sponsor and, therefore, will not be received by Sponsor, resulting in your failure to enter the Promotion. Sponsor may not receive entries that fail to strictly follow the posting instructions set forth in these Official Rules and Sponsor is not responsible for failure to see or receive an entry. Sponsor, at its sole discretion, may accept a technically incorrect unique term. Messages not received by Sponsor will not be entered into the Promotion.
During the Promotion Period, there is a limit of one (1) entry per eligible person, per day. If multiple entries are received, only the first entry per day will be accepted and additional entries will be disqualified. Multiple participants are not permitted to share the same email address. Any attempt by you to obtain more than one (1) entry per day by using multiple/different email addresses, Instagram Accounts, identities, registrations or logins, or any other methods may void your entries and you may be disqualified from the Promotion. Any use of robotic, repetitive, automatic, programmed or similar entry methods or agents (including, but not limited to, sweepstakes entry services) will void all entries by you. In the event of a dispute as to any online entry, the authorized account holder of the email address used to enter will be deemed to be the entrant. The "authorized account holder" is the natural person assigned an email address by an Internet access provider, online service provider or other organization responsible for assigning email addresses for the domain associated with the submitted address. Potential winners may be required to show proof of being the authorized account holders.
MOBILE DISCLOSURE: If you opt to use your wireless mobile device in connection with the Promotion, depending on your phone's capabilities, standard text messaging rates or data charges may apply according to the terms and conditions of your service agreement with your wireless carrier. Other charges may apply (such as normal airtime and carrier charges) and may appear on your mobile phone bill or be deducted from your prepaid account balance. Wireless carriers' rate plans may vary, and you should contact your wireless carrier for more information on messaging rate plans and charges relating to your participation in this Promotion.
2. Eligibility: This Promotion is open only to legal residents of the 50 United States and D.C. who are 21 years of age or older as of the Promotion start date. Employees and members of their households and immediate families (spouses, parents, siblings, children and each of their respective spouses) of the Promotion Entities (as defined below) and their respective parent companies, subsidiaries, and affiliates, and their advertising and promotion agencies and all local sponsors are not eligible.
4. Limitations of Liability: Television Food Network, G.P. ("Sponsor") and other participating sponsors (collectively with Sponsor, the "Promotion Entities") their respective affiliates, subsidiaries, parent, advertising and promotion agencies, and their respective officers, directors, shareholders, employees and agents, and any and all Internet servers and access provider(s) are not responsible for: any incorrect or inaccurate entry information; human error; technical malfunctions; failures, omissions, interruption, deletion, or defect of any telephone network, computer online systems, computer equipment, server providers, or software, including any injury or damage to your or any other computer relating to or resulting from participation in this Promotion; inability to access the Website, Instagram; theft, tampering, destruction, or unauthorized access to, or alteration of entries; transactions that are processed late or incorrectly or are incomplete or lost due to computer or electronic malfunction or traffic congestion on the Internet or at any web site; printing or human or other errors; and any entries which are late, lost, incomplete, misdirected, stolen, or any combination thereof. Online submission is not considered proof of delivery or receipt. By entering, you agree to release, discharge, indemnify and hold harmless the Promotion Entities and their respective parent companies, subsidiaries, their respective representatives and agents, advertising and promotion agencies, promotion partners and prize suppliers, and all of their respective affiliated companies, employees, officers, directors and shareholders, and Instagram, Inc., from and against all claims and damages or liability arising in connection with your participation and/or entry in the Promotion and/or your receipt or use of any prize awarded in this Promotion or due to any injuries, damages or losses to any person (including death) or property of any kind resulting in whole or in part, directly or indirectly, from acceptance, possession, misuse or use of any prize or participation in any Promotion-related activity or participation in this Promotion. Except where prohibited by law, the winner's entry and acceptance of the prize constitutes permission for the Promotion Entities to use said winner's names, photographs, likenesses, statements, biographical information, voices, and city and state addresses on a worldwide basis, and in all forms of media, in perpetuity, without further compensation. If by reason of a printing or other error, more prizes are claimed than the number set forth in these rules, all persons making purportedly valid claims will be included in a random drawing to award the advertised number of prizes available in the prize category in question. No more than the advertised number of prizes will be awarded. You further understand and agree that all rights under Section 1542 of the Civil Code of California ("Section 1542") and any similar law of any state or territory of the United States that may be applicable with respect to the foregoing release are hereby expressly and forever waived. You acknowledge that Section 1542 provides that: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH, IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR." The releases hereunder are intended to apply to all claims not known or suspected to exist with the intent of waiving the effect of laws requiring the intent to release future unknown claims.
5. How Winner will be Determined: The ten (10) potential Grand Prize Winners (each a "Grand Prize Winner") will be selected by Sponsor in a random drawing from among all eligible entries on approximately November 1, 2017, and will be contacted via Instagram direct message on or about November 7, 2017. Sponsor's decisions with respect to the Grand Prize Winners, these Official Rules, and all other matters pertaining to the Promotion shall be final and binding. A prospective Grand Prize Winner will be required to sign an affidavit of eligibility and release of liability and publicity (where permitted), and return same, properly executed, within five (5) days of issuance of prize notification. If the Sponsor is unable to contact a prospective Grand Prize Winner within three (3) days from first notification attempt, if the prospective Grand Prize Winner fails to complete and return all requested forms by the specified date, or if the prospective Grand Prize Winner fails to comply with any of the requirements, or if the prospective Grand Prize Winner is ineligible or otherwise not in compliance with these Official Rules, his/her prize will be forfeited and an alternate prospective winner shall be selected. The odds of winning depend upon the number of eligible entries received.
6. Conditions of Entry: Entry materials that have been tampered with or altered are void. If in the Sponsor's opinion there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Promotion, or if computer virus, bugs, unauthorized intervention, fraud, or technical difficulties or failures compromise or corrupt or affect the administration, integrity, security, fairness, or proper conduct of the Promotion, the Sponsor reserves the right at its sole discretion to disqualify any individual who tampers with the entry process and void any entries submitted fraudulently, to modify, suspend, or terminate the Promotion, or to conduct a random drawing to award the prizes using all eligible, non-suspect entries received as of the termination date. Should the Promotion be terminated prior to the stated expiration date, notice will be posted on the Website. In the event of a dispute as to the identity of a Grand Prize Winner based on an email address or Instagram Account, the winning entry will be declared made by the authorized account holder of the email address and/or Instagram Account submitted at time of entry. CAUTION: ANY ATTEMPT BY YOU TO DELIBERATELY DAMAGE THE WEBSITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEY'S FEES) FROM YOU TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION.
7. Prize: Each Grand Prize Winner will receive the following (the "Grand Prize"): one (1) signed copy of Ree Drummond's new cookbook The Pioneer Woman Cooks: Come and Get It!: Simple, Scrumptious Recipes for Crazy Busy Lives. Approximate retail value ("ARV") of the Grand Prize: $29.99. ARV of all prizes: $299.90.
The specifics of all aforementioned elements of the Grand Prizes in the Promotion shall be solely determined by Sponsor. All costs, taxes, fees, and expenses associated with any element of the Grand Prize not specifically addressed above are the sole responsibility of the Grand Prize Winner. All federal, state and local taxes on the Grand Prize are the Grand Prize Winner's responsibility.
Grand Prize cannot be transferred, substituted, or redeemed for cash except at Sponsor's sole discretion. Sponsor reserves the right to substitute the Grand Prize, or portions thereof, with a prize of equal or greater value.
9. Winner List: Beginning on or about November 15, 2017 you may obtain the names of the Grand Prize Winners by going to the Website.
10. Sponsor: Television Food Network, G.P., 75 Ninth Avenue, New York, NY 10001.
The Promotion is in no way sponsored, endorsed, administered by, or associated with Instagram. You are providing information to Sponsor and not to Instagram.


text:
info@jaureguiydelvalle.com
Jáuregui y Del Valle, S.C. Torre Arcos Bosques l. Paseo de los Tamarindos No. 400-B Pisos 8 y 9. Bosques de las Lomas. C.P. 05120, Ciudad de México
The Corporate Mergers & Acquisitions team of Jáuregui y Del Valle is widely recognized for its experience and innovative approach in all aspects of mergers and acquisitions, including devising corporate legal structures, implementing trouble-shooting techniques and creating efficient tax structuring. The team represents foreign clients in relevant transactions in Mexico, and also assists leading Mexican companies.
Whether it is an M&A issue, a joint venture, a strategic alliance or an association, the team can advise on general corporate matters, regulatory compliance, anti-money laundering compliance, privacy law matters and all type of corporate and commercial law issues. From distribution agreements or due diligence, to the drafting and negotiation of agreements for the acquisition of existing businesses, the investment of fresh resources by investors or the execution of contracts, whatever the circumstances we can add real value.
Business alliances, advising on shareholder conflicts or general corporate advice are all strengths of the team, as are reorganizations and divisions. We also advise on corporate governance, privatization and we are regularly called upon to advise foreign investors on regulated or specialized industries such as telecommunications, financial, insurance, energy and natural resources, railways and health.
Santander Group acquired merchant payment solutions company Elavon México for MX$1,600 million (approximately US$86 million). Elavon México operates in the country through its strategic partnership with Banco Santander México. The company will be 49% owned by Santander Mexico and 51% by Santander Merchant Platform Solutions (SMPS), which belongs to Santander Group. Elavon México operates Banco Santander's merchant acquiring business in Mexico, a relationship which dates back to 2010. It performed extremely well and built a strong team that will now form part of Banco Santander México. The alliance ranks second in the Mexican merchant services market, with around 140,000 active customers (16% market share) and 250,000 card payment terminals as of December 2019. In addition to the antitrust approval, the transaction required the approval form the National Banking and Securities Commission. The transaction was notified to the New York, Madrid and Mexico City stock exchanges.
Jáuregui y Del Valle advised Cobalt Broadband a wholly owned subsidiary of Cobalt Holdings, Ind. In the negotiation for a credit facility with Mexico Credit Opportunities Fund II, arranged by Credit Suisse Asset Management to accelerate the development of a fiber-optic broadband network in Cancun and Tulum. The matter value was $ 20,000,000 USD.
Jáuregui y Del Valle represented the Peralta family (Shareholders of Grupo Metales Incorporados, S.A.P.I. de C.V.) in the sale of the majority of their shares in Grupo Metales Incorporados, S.A.P.I. de C.V. to Acon Investments. The matter value was US$ 27 million and MXN$ 320 million.
Jáuregui y Del Valle was hired by Nacional Financiera to calculate 13 national and foreign investment funds as targets for investments by National Financiera, and to draft agreements in order to formalize such investments, as part of National Financiera's national program to foster start-ups called "Capital Emprendedor".
Jáuregui y Del Valle advised on the acquisition of 49% of the equity of Maskota, which is the biggest retailer of pets and pet products in Mexico. The acquisition involved a complex corporate restructuring which included a spin-off of Maskota, and an investment by Alta Growth acquiring 49% of the equity of the spun-off company. The matter value was approximately $ 27,000,000 USD.
Jáuregui y Del Valle advised Walton CKD, II on the corporate aspects of the acquisition of the hotel Hilton Los Cabos. The deal involved a complex tax and corporate structure, which translated in the drafting of at least 150 different transaction documents.
Jáuregui y Del Valle advised Alta Growth and Nexxus Capital on the acquisition of a 60% participation in Grupo Truistore, a large retailer of airports souvenirs and touristic zones in Mexico.
Jáuregui y Del Valle oversaw the corporate and tax matters related to the sale of Grupo Turin to Mars.
Practice Leaders
Miguel T. Ishii Yokoyama
Fernando Alonso-de-Florida R.
Justo Fernández del Valle y Cervantes
Maria Del Pilar Labastida Álvarez
Jáuregui y Del Valle, S.C.
Torre Arcos Bosques l. Paseo de los Tamarindos No. 400-B
Pisos 8 y 9. Bosques de las Lomas. C.P. 05120, Ciudad de México
Tel: +52(55) 5267-4500
Fax: +52(55) 5267-4598
E-mail: info@jaureguiydelvalle.com
Jáuregui y Del Valle, S.C. ©2020. Todos los derechos reservados.


text:
package com.aestasit.markdown.slidery.converters;

import java.io.IOException;

import org.junit.Test;

import com.aestasit.markdown.slidery.converters.ConverterFactory;
import com.aestasit.markdown.slidery.converters.ShowerConverter;

/**
 * @author Andrey Adamovich
 *
 */
public class ShowerConverterTest extends BaseConverterTest {

  @Test
  public void testDirectConversion() throws IOException {
    new ShowerConverter().render(createConfiguration());
  }

  @Test
  public void testFactoryConversion() throws IOException {
    ConverterFactory.createConverter(ShowerConverter.CONVERTER_ID).render(createConfiguration());
  }

}


text:
TOM ROWAN
email: Click here to contact Website: Click here
Literary Agent: Elaine Devlin Literary, Inc.
TOM ROWAN was born in New York City and raised in Colorado. He has degrees in Theatre from Trinity University in San Antonio, Texas, and the University of Washington in Seattle. Tom moved back to New York after being awarded a Drama League Directing Fellowship in 1998. He has been the Literary Manager for the Ensemble Studio Theatre in Manhattan and has worked for the literary departments of the Denver Center Theatre Company and Queens Theatre in the Park. His plays include KISS AND CRY, the SECOND TOSCA, and DAVID's PLAY. Tom is a member of the Society of Stage Directors and Choreographers; he has directed over fifty productions of plays ranging from Shakespeare to Coward to Williams to new scripts. He also works as a script consultANT and acting teacher.
below is a list of Tom Rowan's plays - click on a Play Title for more information
David's Play Faye Drummond Kiss And Cry Phaedra. Faye Drummond Second Tosca, The
David's Play
A group of college friends reunites in New York City ten years after graduation to celebrate a milestone. Can a recently discovered manuscript get their lives back on track? A serious comedy about love, loss, theatre, and the power of friendship
reading at Ensemble Studio Theatre, NY, USA >>> 2008
Octoberfest 2006
Faye Drummond
With apologies to Euripides, the Greek myth of Phaedra could use an update. When Faye Drummond, wannabe model and trophy wife of a wealthy real estate mogul, meets the fabulous drag queen Venus de Soho, her life begins to unravel.
www.theatricalgems.org
New York International Fringe Festival Aug 2011
theatrical Gems
www.indietheatrenow.com/Play/faye-drummond -
2h 0m Drama Comedy Gay full length
Kiss And Cry
Stacy, a champion male figure skater on his way to the Olympics, and Fiona, a hot young movie starlet, are the nation's favorite couple--as long as nobody finds out their gay
Nominated for An '07 GLAAD Award
New York International Fringe Festival, NY, USA >>> 2004
in Plays and Playwrights 2007, the New York Theatre Experience, Inc >>> 978-0-9670234-9-6
Romantic Comedy Comedy. - - Gay, full length
Phaedra. Faye Drummond
This play features the trophy wife of the fifth-richest man in America, who lives in luxury in a penthouse overlooking Central Park. She's the woman who has everything, but she wants the one thing she can't have.
[workshop] Ensemble Studio Theatre, NY 14 Jun 2013
Second Tosca, The
the Second Tosca is a contemporary comedy that takes place backstage at Opera California during rehearsals for Tosca. Meet a rising operatic star, her rivalrous brother, the controlling maestro who wants to marry her, a diva with a dog, an assistant with a dream, and a meddling singing ghost. Part romantic comedy, part ghost story, and part juicy soap opera, the Second Tosca brings us smart, sexy highbrow humor in the spirit of Noel Coward and Moss Hart, and features music from the operas of Puccini, Verdi, and others
45th Street Theatre, NY 2007
Sorrel Tomlinson


text:
Q: Where to add add_rewrite_tag for trailing tilde? Ive just been reading @gmazzap s reply about wordpress matching URLs with trailing tildes.
and could do with some help please. As a coding newbie, I am not sure where to add his suggested code:
add_action('init', function() {
  add_rewrite_tag( '%postname%', '([^~/]+)', 'name=' );
});

Functions.php, /includes/rewrite.php, or somewhere else...
Also what are the implications of doing this, when wordpress updates, will these changes be lost? Am running a child theme.
Sorry to ask such basic questions. Thanks for your help.

redpajama_set_name: RedPajamaStackExchange


Do Not Despair… Hope is With Us!
All the prophetic words from Holy Scripture are coming to pass before our eyes. Never before in human history have we seen the fruits of evil and wickedness manifest itself so fully, so boldly in the hearts of men without shame nor resistance. It is a manifestation of corruption and lasciviousness so widespread and entrenched in our society that we can truly say that the weeds out-number the wheat.
Satan's rule over this world is quickly coming to an end, and he knows it. So he is bringing forth an army of souls united to him, whether knowingly or not, for his final battle against Jesus and His Church. His goal is to conquer the hearts of men so to overthrowing the Body of Christ and to set himself as the one and only ruler of humanity. And if he cannot have the Earth, he will destroy it.
But Heaven is not remaining idle. God is sending His graces, touching the hearts of those who will hear His voice and harden not their hearts, to form a faithful remnant. For He has decided it will not be the end of the world, but an end of an era, a new chapter for mankind with a new Heavens and a new Earth. But before this new era can begin, humanity must be cleansed of the filth of sin and freed from the power of Satan.
A chastisement is coming, one so great that if He had not shortened the days, no one would survive. But for the sake of the elect, His remnant, it has been lessened. Through the Holy Spirit and His Blessed Mother He is preparing us for His final battle; a battle that will destroy the strongholds the evil one has erected in the hearts of billions of souls.
Good will be called evil, while the works of iniquity will be called good. For many, it will mean martyrdom for taking a stand with God against evil. But for others, a place of refuge will be provided for, a shelter against the armies of Lucifer and the just wrath of Our Lord. No shelter made of man will protect you, nor will any great feet of ingenuity sustain you if you are not sheltered under the shadow of the Lord. So begin today by seeking His will for you in these end-times, and then you too will find your Refuge in the Heart of God.