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How to Block low cpc ads in ad sense Urdu Hindi

noreply@blogger.com (hamzam) — Sat, 12 Nov 2016 11:37:00 -0800

Can you Stop this in time???

noreply@blogger.com (Anonymous) — Thu, 10 Nov 2016 10:19:00 -0800

Homeless in America - The New York Times

noreply@blogger.com (hamzam) — Wed, 9 Nov 2016 04:35:00 -0800

I began election night writing a column that started with words from an immigrant, my friend Lesley Goldwasser, who came to America from Zimbabwe in the 1980s. Surveying our political scene a few years ago, Lesley remarked to me: “You Americans kick around your country like it’s a football. But it’s not a football. It’s a Fabergé egg. You can break it.”

With Donald Trump now elected president, I have more fear than I’ve ever had in my 63 years that we could do just that — break our country, that we could become so irreparably divided that our national government will not function.

From the moment Trump emerged as a candidate, I’ve taken seriously the possibility that he could win; this column never predicted otherwise, although it certainly wished for it. That doesn’t mean the reality of it is not shocking to me.

As much as I knew that it was a possibility, the stark fact that a majority of Americans wanted radical, disruptive change so badly and simply did not care who the change agent was, what sort of role model he could be for our children, whether he really had any ability to execute on his plan — or even really had a plan to execute on — is profoundly disturbing.

Before I lay out all my fears, is there any silver lining to be found in this vote? I’ve been searching for hours, and the only one I can find is this: I don’t think Trump was truly committed to a single word or policy he offered during the campaign, except one phrase: “I want to win.”

But Donald Trump cannot be a winner unless he undergoes a radical change in personality and politics and becomes everything he was not in this campaign. He has to become a healer instead of a divider; a compulsive truth-teller rather than a compulsive liar; someone ready to study problems and make decisions based on evidence, not someone who just shoots from the hip; someone who tells people what they need to hear, not what they want to hear; and someone who appreciates that an interdependent world can thrive only on win-win relationships, not zero-sum ones.

I can only hope that he does. Because if he doesn’t, all of you who voted for him — overlooking all of his obvious flaws — because you wanted radical, disruptive change, well, you’re going to get it.

I assume that Trump will not want to go down as the worst president in history, let alone the one who presided over the deepest fracturing of our country since the Civil War. It would shake the whole world. Therefore, I can only hope that he will, as president, seek to surround himself with the best people he can, which surely doesn’t include the likes of Rudy Giuliani or Newt Gingrich, let alone the alt-right extremists who energized his campaign.
But there is also a deeply worrying side to Trump’s obsession with “winning.” For him, life is always a zero-sum game: I win, you lose. But when you’re running the United States of America, everything can’t be a zero-sum game.

“The world only stays stable when countries are embedded in win-win relationships, in healthy interdependencies,” observed Dov Seidman, the C.E.O. of LRN, which advises companies on leadership, and the author of the book “How.”

For instance, America undertook the Marshall Plan after World War II — giving millions of dollars to Europe — to build it up into a trading partner and into a relationship that turned out to be of great mutual benefit. Does Trump understand that? Do those who voted for him understand how many of their jobs depend on America being embedded in healthy interdependencies around the world?

How do I explain Trump’s victory? Way too soon to say for sure, but my gut tells me that it has much less to do with trade or income gaps and much more to do with culture and many Americans’ feeling of “homelessness.”

There is nothing that can make people more angry or disoriented than feeling they have lost their home. For some it is because America is becoming a minority-majority country and this has threatened the sense of community of many middle-class whites, particularly those living outside the more cosmopolitan urban areas.

For others it is the dizzying whirlwind of technological change we’re now caught up in. It has either wiped out their job or transformed their workplace in ways they find disorienting — or has put stressful demands on them for lifelong learning. When the two most important things in your life are upended — the workplace and community that anchor you and give you identity — it’s not surprising that people are disoriented and reach for the simplistic solutions touted by a would-be strongman.

What I do know for certain is this: The Republican Party and Donald Trump will have control of all the levers of government, from the courts to the Congress to the White House. That is an awesome responsibility, and it is all going to be on them. Do they understand that?

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COMMENTS
Personally, I will not wish them ill. Too much is at stake for my country and my children. Unlike the Republican Party for the last eight years, I am not going to try to make my president fail. If he fails, we all fail. So yes, I will hope that a better man emerges than we saw in this campaign.

But at the moment I am in anguish, frightened for my country and for our unity. And for the first time, I feel homeless in America.

Homeless in America - The New York Times

Hillary Clinton’s Campaign Says No Concession Tonight | Deadline

noreply@blogger.com (hamzam) — Wed, 9 Nov 2016 04:30:00 -0800

UPDATE, 11:40 PM: Well, tomorrow came pretty quick in Clintontown in TVland as CNN and Fox News Channel are reporting that the ex-Secretary of State has called Donald Trump and conceed the election. Citing soruces in the Hillary Clinton campaign just minutes after John Podesta told supporters in NYC to wait until Wednesday morning, CNN’s Dana Bash said the two candidates have spoken.
The ex-Apprentice host is now about to speak to his supporters after one of the biggest upsets in American history. In a rare move for a candidate, Clinton has chosen not to speak to the nation -even though her campaign chair said less than half an hour earlier that they wanted to make sure every vote was counted and there would be more to say tomorrow.

PREVIOUSLY, 11:23 PM: Hillary Clinton once said that she was the last thing standing between you and the apocalypse – well, turns out she plans on standing there a bit longer even though Donald Trump seems poised to become the 45th President of the United States.
“Well folks, it’s been a long night and it’s been a long campaign, but I can say we can wait a little long, can’t we? ” Clinton campaign chair John Podesta told the remaining supporters at NYC’s Javits Center tonight. “They’re still counting votes and every vote should count,” the former White House Chief of Staff added at 2:02 AM ET in language reminiscent of the disputed 2000 election. “Several states are too close to call so we’re not going to have anything more to say tonight.”

“We’ll have more to say tomorrow,” the much-hacked Podesta told the crowd, confirming that the candidate herself would not be speaking tonight or this morning depending on your time zone. “We’ll be back, we’ll have more to say, let’s get those votes counted and let’s bring this home.”

The tactic of the Clinton campaign to not concede immediately as the math seemed to go solidly not in her favor got pundits pointing fingers across the political spectrum and bring up what Trump’s remarks in the third Presidential debate that he wouldn’t commit to accepting the election’s results. In recent days, Trump has said again “we’ll see how it plays out.” In that vein, it has played out amazingly well for the GOP contender, who seemingly has just arrived at his own HQ for what will be a version of a victory speech.

Read Live Updates On The 2016 Presidential Election

noreply@blogger.com (hamzam) — Wed, 9 Nov 2016 00:58:00 -0800

Voters head to the polls today to choose between Democratic nominee Hillary Clinton and Republican nominee Donald Trump in the historic 2016 presidential election.

But Trump and Clinton aren’t the only two candidates on the ballot.

Across the nation, voters will make their choices in a slew of down-ballot races, voting for federal, state and local lawmakers and deciding on key ballot initiatives.

Read the latest news on the 2016 election below:
President-Elect Trump Calls On America To Unite

Moments after winning a stunning victory, President-elect Donald Trump took the stage in New York and called on the country to come together to rebuild America.

“I pledge that I will be president for all Americans,” Trump told supporters at his victory party in Manhattan. “For those who have chosen not to support me in the past — of which there were a few people — I’m reaching out to you.”

Trump said Hillary Clinton had called him to concede the race, and he praised the secretary of state and her campaign staff.

“Hillary has worked very long and very hard,” he said, “and we owe her a major debt of gratitude for her service to our country.”

The New York real estate mogul also thanked his family for their support, remarking that “this political stuff is nasty, and it’s tough.”

― Igor Bobic

Pence Addresses Trump Victory Party

“This is a historic night,” Pence said. “The American people have spoken, and they have elected a new champion.”

“His vision for America will make America great again,” he added.

― Marina Fang

Clinton Won’t Concede Tonight

Clinton Campaign Manager John Podesta addressed the remaining crowd at the campaign’s election party at the Javits Center, telling them to go home and that “we will have more to say tomorrow.”

“I know you’ve been here a long time. I can say, we can wait a little longer.”

― Marina Fang

November 9, 2016 1:57AM

Students Gather Outside The White House

Hundreds of people gathered outside the White House early Wednesday morning as it looked increasingly clear that Donald Trump would be the next president.

Most of the group appeared to be students, alternating between chants of “Fuck Donald Trump” and “We Want Hillary.”

Some people held red solo cups, arriving to the scene straight from a watch party. Others sat on the ground, silently, refreshing their phones every few seconds. The question lingering in the air, even for some Trump supporters, was how Hillary Clinton didn’t take the presidency with ease.

According to some of the attendees, gathering outside the White House is a tradition for students at George Washington University and other schools in the area. For some, the tradition didn’t feel as festive as it should.

“We expected to have a historic moment for women, and now we have quite the opposite,” Samantha Hoilett, 23, said. “Even if Hillary was divisive, she planned to unite the country afterward — Donald Trump does not have a plan for that.”

― Adam Hamze

GOP Keeps The Senate

Sen. Pat Toomey (R-Pa.), who waited until 6:45 p.m. on Election Day to say he was voting for Trump, narrowly wins re-election, giving the GOP the seats they need to keep control of the Senate.

― Marina Fang

November 9, 2016 1:10AM

Polls Are Officially Closed In All States

Alaska, the last state to vote, closed its polls at 1 a.m. EST.

― Marina Fang

Top GOP Pollster: I’m Not A Republican Anymore

Frank Luntz, a prominent Republican pollster, denounced the GOP in the face of Trump’s election night successes.

“Starting tonight on this show, no one will call me a Republican again, because I’m not part of this,” he told Yahoo News. “I’m not part of that system, I’m not part of that negativity.”

Luntz had predicted a resounding victory for Democratic nominee Hillary Clinton and for Democrats in Congress.

Mothers of Trayvon Martin and Eric Garner Speak To Crowd At Clinton Event

NEW YORK ― Speaking before an excited crowd here at the Jacob Javits Center, Sybrina Fulton, mother of Trayvon Martin; and Gwen Carr, mother of Eric Garner, made the emotional case for Hillary Clinton.

Both emphasized that Clinton was the only presidential candidate who reached out to them.

“She was the only one who called,” Carr told the audience. “She felt our pain and understood.”

Back in November, Cinton met with these women and several more whose sons were felled by gun violence ― cementing their support.

― Emily Peck

Will the dollar rise or fall on a Trump victory?

noreply@blogger.com (hamzam) — Sat, 5 Nov 2016 12:16:00 -0700

YESTERDAY’s decline in the American stockmarket, on news of a narrowing in the poll gap between Hillary Clinton and Donald Trump (under two points according to Real Clear Politics), confirms the argument made in last week’s column. A combination of Mr Trump’s adverse policy proposals on trade, foreign policy and the Federal Reserve, and uncertainty about how much of this agenda would get through Congress, would hit equities hard were he to be elected.

But what about the dollar? The picture is far from clear. Over the last 24 hours, America’s currency has lost ground against the Swiss franc, euro, yen and sterling but gained against emerging market currencies like the Mexican peso and Brazilian real. That makes some sense. A Trump victory would make international investors less confident about the direction of American economic policy. This in turn might lead to the Fed being less willing to tighten rates in December, another reason for the dollar to weaken.

On the other hand, Mr Trump’s trade policies—tearing up NAFTA and threatening tariffs—would, if implemented have an adverse impact on many emerging markets. That is why the Mexican peso has been the most sensitive currency to his opinion poll rating. His other hints about downplaying America’s military alliances in Asia, and its role in NATO, would also hit EM currencies. Furthermore, one Trump policy—encouraging, or forcing, foreign multinationals to repatriate their overseas earnings—might eventually lead to dollar strength.

It is the “exorbitant privilege” of America that it is the global reserve currency and can benefit from a flight to safety, even when (as during the 2008 subprime crisis), it is the place that has caused the shock. Americans who had invested overseas might bring their money home. So the trade-weighted dollar might not be too badly hit by a Trump win (it is higher than it was six months ago, for example).

But if the dollar falls back against developed world currencies, those nations won’t be happy as that will, in effect, be a tightening of their own monetary policy. That might cause the ECB and Bank of Japan to indulge in a further round of monetary easing. The prospect of that merry-go-round continuing may explain why gold is up more than 20% this year.

The Money Management Gospel of Yale’s Endowment Guru

noreply@blogger.com (hamzam) — Sat, 5 Nov 2016 12:14:00 -0700

As he has done for decades, once a week David F. Swensen convenes his staff — including his cadre of apprentices — for a morning-long meeting among the Gothic revival flourishes and crenelations of the Yale University campus to debate investment ideas.

Mr. Swensen, 62, runs the school’s $25.4 billion endowment, one of the largest in the country. Usually he is joined by his intellectual sparring partner, Dean Takahashi, his senior director. It amounts to an internship in the world of managing a university’s billions — and the young analysts have a front-row seat.

“It was like watching a 70-year-old married couple go at it in full force,” recalled Andrew Golden, who was one of those Swensen acolytes in the 1980s.

But forget what you think about internships and fetching doughnuts for the bosses. The meetings are supposed to be a crucible of ideas, and the analysts — some of whom stay in the positions for years — recalled bringing their own proposals in the early days, and having to defend them or face the music. “It could be jarring to have your own view shredded by them,” Mr. Golden said.

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As for Mr. Swensen, it’s an environment that brings together two things he loves: thinking about investments and teaching other people how to think about them. “They are twin passions of mine,” he said during a recent interview in his sun-filled corner office at the endowment’s headquarters on Yale’s New Haven campus. Certainly no school has incubated as many endowment managers as Yale.

Mr. Swensen is legendary in the rarefied world of endowment management. He has pioneered an investment strategy that expanded Yale’s portfolio from a plain-vanilla mix of stocks and bonds to substantial holdings in real estate, private equity and venture capital, along with other alternatives. Until then, the typical endowment was far more conservative.

And through his graduates, his investment style has spread to the nation’s prominent schools and foundations. Today, Mr. Swensen and former protégés oversee nearly $100 billion in endowment money for schools including M.I.T., Stanford, the University of Pennsylvania, Bowdoin, Wesleyan and Princeton (which Mr. Golden manages). Other alumni are running the Rockefeller Foundation and the Ewing Marion Kauffman Foundation and working at the YMCA Retirement Fund and the Metropolitan Museum of Art.

In an era when it is routine for money managers to elbow their way into the public consciousness — populating the news channels, burnishing their images — Mr. Swensen has largely stayed away from the spotlight, aside from writing a book, “Pioneering Portfolio Management.” Yet he is one of the most influential people in a generation that has seen endowments grow tremendously in importance at premier institutions. Yale’s endowment now provides 33 percent of the school’s budget, compared with 10 percent in 1985.

In a series of extended interviews, he and more than a half-dozen of his investment-office veterans discussed his management style — where they agree and disagree. Along the way Mr. Swanson gave his views on things as diverse as the pharmaceutical company Valeant — which “didn’t even have the fig leaf of R.&D. expenditures,” he said, to justify increasing its drug prices dramatically — to his toughest year, fiscal 2009, when his fund plummeted 24.6 percent during the economic meltdown.

In the aftermath, he got hurt in a particularly bad real estate investment. “This is one of my biggest mistakes in the past 30 years,” Mr. Swensen said.

Over the decades, though, the Yale endowment has built one of the strongest records among the nation’s largest endowments. Most recently, in the fiscal year ended June 30 — a dismal one for most schools, with the average endowment declining 2.7 percent, according to Cambridge Associates, which tracks performance — Yale’s rose 3.4 percent.

Play the Cards and the People

Mr. Swensen, a lanky, soft-spoken native of River Falls, Wis., initially planned to become a teacher before going into the world of finance, where he understood it wasn’t just about the numbers. “In poker, you can play the cards or you can play the people,” said Randy Kim, who worked in the endowment office for a decade and went on to run the Conrad N. Hilton Foundation. “Dave could do both.”
Mr. Swensen’s route to the endowment world was circuitous, though. “My father and my grandfather were both chemistry professors,” he said. After earning a doctorate in economics from Yale in 1980, he considered teaching that subject. But while he was researching bond prices at Salomon Brothers for his Ph.D. dissertation, “they offered me a job,” he said.

Salomon was, of course, a Wall Street bond titan at the time and would eventually help define the go-go 1980s “Barbarians at the Gate” era of leveraged buyouts. All of that was still a few years in the future, though, and anyway, Mr. Swensen said, “I missed Yale so much that I went back to teach one class every semester.”

In 1985, the Yale provost, William C. Brainard, plucked him from Wall Street and asked him to take over the school’s $1 billion endowment.

His acceptance meant an 80 percent pay cut. But Mr. Swensen says he never regretted returning to work for an academic mission. “I am in the fortunate position of making very good money,” he said, for something he loves doing. He made $5.1 million in 2014, the latest numbers available.

From the beginning, he brought in analysts and interns to work on the portfolio. Part of that process soon included the weekly meeting to debate investment ideas. “Seeing that there was a debate, even at the most senior level, taught everyone to have their own view,” Mr. Golden said.

He recalled proposing at the time that Yale place some of its money with several money managers he had identified as promising. “They had good track records,” he said. However, the debate centered on something different: “How good they would be going forward.”

In some cases, Yale selected a manager with little or no track record. That was the case with the Hillhouse Capital Group, an investment fund focused on Chinese stocks that was begun in 2005 by Lei Zhang — himself a former underling of Mr. Swensen.

That Hillhouse investment ended up taking Yale on a wild ride during the 2008 financial crisis. The value of the school’s investment in Hillhouse fell nearly 44 percent, peak to trough. But instead of taking money out, Yale actually invested more in Hillhouse, convinced that Mr. Zhang’s investment approach remained solid.

For Mr. Swensen, the decision to stay in was logical. “Who cares about the trailing numbers if the fundamentals of the portfolio are good?” he said. That long-term mind-set paid off. Hillhouse has generated more than a 20 percent average annual return since the endowment first invested in 2005.

Explaining his investment strategies and other issues is onerous work. Mr. Swensen said his team worked on long quarterly reports that go to the endowment’s investment committee. “I edit every single memo,” he said. “I think that if you write your argument down, you might recognize flaws in it.”

Returns are central, of course, but a manager’s track record — even if good on the bottom line — must be balanced against whether that money manager’s goals work in Yale’s interest. The university has “close to 100 active relationships” with money-management firms, Mr. Swensen said. “The average length of a relationship is 13 years. That is a long time. It is all about being partners and who you choose.”

Against the ‘Asset Gatherers’

There are some categories of manager that turn Mr. Swensen off, like the “asset gatherers,” as he calls them, often famed for building mammoth investment funds by attracting scores of individual investors. “The Bill Grosses and Peter Lynches are about asset gathering” he said, referring to one of the founders of Pimco and to the former manager of Fidelity Investments’ Magellan Fund. “More assets produce more fees, but they force managers to add more positions, not just Grade A ideas,” he said.

A Fidelity spokesman said Mr. Lynch’s record spoke for itself. A representative for Mr. Gross declined to comment.
Nor does leverage — the use of borrowed money to try to amplify returns — appeal to the Yale team. “We want managers who are interested in improving operations as a way to create value, as opposed to financial engineering,” he said. The team applies a simple test when considering putting money with an investor who specializes in corporate buyouts: Add up the leverage in the investor’s portfolio, and compare it with the leverage in the stock market (meaning the borrowing conducted by publicly traded companies).

Leverage, after all, can become a millstone if things start to go wrong. “Debt restricts your ability to do things,” Mr. Takahashi said.

Mr. Swensen also has little patience for some activist investors like William A. Ackman of Pershing Square Capital Management, who has mounted public battles aimed at spurring target companies to revamp. “The drill is that they want return of capital, whether it comes from cash distributions or stock buybacks. That is an extraordinarily short-term orientation,” Mr. Swensen said. “By and large, American companies are underinvesting for the future, and a lot of that has to do with either implicit or explicit pressure from activists.”

Mr. Swensen has been particularly critical of Mr. Ackman’s highly publicized investment in Valeant, which in recent years stirred national controversy after it dramatically raised the prices on drugs that it had bought the right to sell. “The excessive price increases abuse market power and create great profits, while burdening our health care system,” he said. “The business model is at odds with sensible public policy. When Congress and the regulatory authorities catch on, the companies suffer,” he said.

A spokesman for Pershing Square, Francis McGill, said: “Pershing Square is a long-term investor which has improved the operations and performance of more than 30 corporations. It has never advocated short-term financial engineering techniques.”

Former analysts describe how they learned to be careful observers of personality and engagement when vetting prospective money managers. “We learned to look for managers who know their portfolios well,” said Paula J. Volent, senior vice president for investments at Bowdoin College. “If they have to look at a piece of paper in a meeting, then they don’t really know.”

Anne Martin, a former Swensen intern who manages Wesleyan’s endowment, described vetting one private equity fund. “We were near the end of the process. I worried that some of the terms were not fair, so I called the manager,” she said, who adopted a dismissive tone. “I am not adjusting the terms this time, and I am not going to talk to you about it,” she recalled him saying.

“So I thought: This is a partnership, and there will be tough times, so how will it be then?” she said. Wesleyan didn’t give him the money.

Mr. Swensen’s analysts have seen his standards prove costly to Yale. For instance, the endowment long had money with Michael Steinhardt, a well-known Wall Street trader, and it had been one of the school’s most profitable investments. But in 1991, Mr. Steinhardt’s firm was swept up in accusations of cornering the two-year Treasury market.

The Steinhardt firm later settled, agreeing to pay $40 million without admitting wrongdoing. But Mr. Swensen had already taken Yale’s money out that firm.

That decision impressed D. Ellen Shuman, who worked at Yale from 1986 to 1998 and now runs Edgehill Endowment Partners, which manages $650 million for smaller endowments. “David put the reputation of the institution ahead of profits,” she said. “It really affected me in my career.”

‘Not a Steppingstone’

Newcomers often arrive at the investment office from the Yale School of Management, as did Peter H. Ammon, now manager of the University of Pennsylvania’s endowment. But they take many routes. Seth Alexander, now head of M.I.T.’s endowment, taught at the business school, but did not attend. Robert F. Wallace, who runs the Stanford endowment, was a ballet dancer before going to Yale to study economics. Ms. Volent, who oversees the Bowdoin endowment, planned to be a museum director.

And Mr. Golden, head of Princeton’s endowment, had an “unsatisfying job at a small money management firm,” he recalled. When he met Mr. Takahashi, Mr. Swensen’s associate, Mr. Takahashi told him, “If you want to do good, we are looking for an intern.” So Mr. Golden joined.
Mr. Swensen says he is pleased when his analysts go to the nonprofit world. He never considered leaving Yale and was disappointed when, in 2007, Mohamed El-Erian quit as head of the Harvard endowment, after less than two years, to return to Pimco. “Managing an endowment is a position of trust, not a steppingstone,” Mr. Swensen said.

Mr. El-Erian did not respond to a request for comment.

Many Yale office graduates remain close, and they share investment ideas. Mr. Golden of Princeton said that when he finds good money managers, he prefers that they have other investors like Yale and Bowdoin, because they have similarly long time horizons.

And when they do invest together, “Yale negotiates for everyone,” said Ms. Volent. “We sit back and we let Yale do the hard work if the funds are too expensive.”

Ms. Shuman said in real estate investments, Mr. Swensen required a fee structure “where managers did not get any of the profits until there was a 6 percent hard return, or whatever number an investor could get from a passive investment at that time.” The money managers objected — they wanted 20 percent on the entire profit — but lost. “David’s way is fairer,” she said.

Mr. Swensen likes teaming up to invest with his former analysts. For one thing, it can reduce the risk of panicky withdrawals. “We were talking to a manager who just had capital taken away because the fund had a bad year,” Mr. Swensen recalled. “The investor said, ‘Your five-year numbers are not so good, so we are firing you.’ That sounds like the stupidest thing I ever heard,” Mr. Swensen said.

“When managers have to deal with stupid limited partners, they are not spending their time picking stocks,” he said.

There have been mistakes. Yale and schools that embraced its model stumbled when the market plummeted in 2008 because they had so much of their portfolios tied up in hard-to-sell assets.

Mr. Swensen acknowledges that, going into 2008, “We were too illiquid, and now we are not as illiquid. We want 50 percent of our assets in liquid investments,” he said.

The real estate meltdown took a toll. Yale, along with a host of universities, put money into real estate funds run by Lubert-Adler — the judgment call Mr. Swensen referred to as his “biggest mistake.” When one of the funds suffered steep losses as a result of investments in troubled golf resort projects, many schools were hurt, including Yale.

Not every Yale-trained manager agrees with Mr. Swensen’s investment parameters. Bowdoin has nearly twice as much in absolute return funds (which focus on asset appreciation, as opposed to performance against an index or benchmark) because the hedge fund manager Stanley Druckenmiller is on the Bowdoin investment committee and plays a role in picking managers.

Ms. Volent of Bowdoin, whose returns have well outpaced the averages, pointed out that she has “a lot of money in global macroeconomic funds.” She added, “They have been great for us, but David hates that area. He thinks no one can anticipate changes in currencies and interest rates.”

One might wonder about the value of Yale’s investment philosophy when looking at the last year’s performance. For the year ended June 30, a plain-vanilla portfolio of 60 percent stocks and 40 percent bonds outperformed more diversified portfolios (like those of endowments). However, over a 20-year run, Yale’s average annual return has been 12.6 percent compared with 7.4 percent for the 60-40 portfolio.

Mr. Swenson has no plans to alter his investment strategy, or to slow down. (He has been fighting cancer for four years, he said, and his condition is stable.) He remains convinced that diversification over the long term is crucial. “This is not a sprint,” he said. “I am pretty happy with the numbers.”

See Dolly Parton, Willie Nelson Read Mean Tweets on Kimmel

noreply@blogger.com (hamzam) — Fri, 4 Nov 2016 10:42:00 -0700

Chris Stapleton, Miranda Lambert, Little Big Town, more embrace the hate after CMA Awards

Following the praise and backslapping of the Country Music Association Awards, Chris Stapleton, Miranda Lambert, Dolly Parton and more took a healthy dose of hate on Jimmy Kimmel Live's "Mean Tweets – Country Music Edition."
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Upsets and Country Legends Highlight Milestone CMA Awards
Garth Brooks wins Entertainer of the Year and Brothers Osborne shock in Vocal Duo coup as the 50th CMAs honor country's past and future
The big-bearded Stapleton giggled through one Twitter user's assumption that he "has an insane pubic hair situation," while Lambert took a quip about landing planes on her forehead with the fuming tight-lipped smile of a true Southerner. Parton, meanwhile, happily fired back at someone who dared compare her concerts to a "hooker convention," saying, "I guess I should feel hurt, but I don't 'cause I patterned my look after a hooker – who better than me?"
Other highlights included Willie Nelson's wide-eyed reply to "You're getting pretty crusty, pal," Hunter Hayes cheekily admitting that maybe he does lie about drinking Bacardi Breezers from water bottles and Little Big Town's Kimberly Schlapman taking a scorcher for the whole band, "Why does the blonde in Little Big Town have hair like a Zoolander villain?"
Watch Chris Stapleton and Dwight Yoakam perform Ray Charles and Willie Nelson's "Seven Spanish Angels."

You can get a free sub at Subway to celebrate National Sandwich Day

noreply@blogger.com (hamzam) — Fri, 4 Nov 2016 10:31:00 -0700

Today is a holiday all stomachs can get behind.

Happy National Sandwich Day!

In honor of today's holiday, Subway is giving away a free subto all customers who buy a sub and drink on Nov. 3.

Today is a holiday all stomachs can get behind.

Happy National Sandwich Day!

In honor of today's holiday, Subway is giving away a free subto all customers who buy a sub and drink on Nov. 3.

You can get a free sub at Subway to celebrate National Sandwich Day | 12NEWS.com

Fast And Furious 7 (2015) Hindi Dubbed Full Movie Watch DVD

noreply@blogger.com (hamzam) — Fri, 4 Nov 2016 10:20:00 -0700

Fast And Furious 7 (2015) Hindi Dubbed Full Movie Watch in DVD Free Download,Watch Full Movie Fast And Furious 7 (2015) Online in HD

Norv Turner's resignation forces Vikings to find new plan

noreply@blogger.com (hamzam) — Fri, 4 Nov 2016 08:03:00 -0700

EDEN PRAIRIE, Minn. — There was a sense within the Minnesota Vikings organization dating back to at least January that this might be Norv Turner’s final season in coaching.

That was around the same time the Vikings hired Pat Shurmur to coach tight ends, giving the appearance — and there was a lot of truth to it — that Shurmur was the likely offensive coordinator in waiting whenever Turner, 64, or the team moved on.

What nobody anticipated was the succession plan would take hold now, with the Vikings coming off consecutive ugly losses, but still owning the NFC’s second-best record at 5-2 as they prepare on a short week for Sunday’s divisional home game against the Detroit Lions.

Turner’s resignation — not a retirement, at least not yet — early Wednesday morning was a shock to everybody, including Vikings coach Mike Zimmer, Shurmur and players, most of whom found out about the move from media reports before they arrived at the facility.

Know this about Zimmer: He’s a defensive-minded coach who’s as hands-off with his offense as anybody. Every head coach makes recommendations during the week, as they should, but Zimmer stays out of it on game day, doesn’t overrule play calls, etc.

“I would say that since Norv has been here, I've given him almost 100%, total free will in everything that they've done offensively,” Zimmer told reporters.

It’s clear there were differences of opinion about how the Vikings offense could get back to playing the way it was before duds the past two weeks at Philadelphia and Chicago. Injuries have decimated the O-line, leaving little way to solve the problems through lineup changes.

But differences aren’t unusual in the NFL, especially when things aren’t going well. It’s just rare they run off a coach as accomplished as Turner, who told NFL Media: “I don’t want anyone to think I am bailing. It just wasn’t working.

Mexico's breathtaking Day of the Dead festival

noreply@blogger.com (hamzam) — Fri, 4 Nov 2016 07:56:00 -0700

A costumed couple poses for a photo during a 2016 Day of the Dead parade in Mexico City

El Día de los Muertos (or the Day of the Dead) started on Tuesday, November 1 and ended a day later.

For the holiday, families across Mexico gather in cemeteries and public squares to honor their deceased loved ones in traditional costumes and makeup.

Check out photos from this year's festivities and memorials below.

Mexico's Day of the Dead festival is known for amazing skeletal makeup. Ecuador, Brazil, and Bolivia have their own festivities, too.

Tradition calls for lighting candles and bringing bouquets to the graves of family and friends. November 1 (called the Day of the Innocents) is meant to honor deceased infants and children, while November 2 (called the Day of the Dead) is a day to honor deceased adults.

england vs south africa live streaming cricket

noreply@blogger.com (hamzam) — Sun, 3 Apr 2016 01:20:00 -0700

Your Browser Do not Support Iframe

Airlift Full Movie MP4 Download 2016

noreply@blogger.com (hamzam) — Sun, 27 Mar 2016 03:19:00 -0700

Airlift Full Movie MP4 Download 2016

Movie : Airlift (2016)

Category : Bollywood Movies (2016)

Release Date : 22 January 2016

Genre : Drama, History, Thriller

Starcast : Akshay Kumar Nimrat Kaur, Feryna Wazheir, Lena

Discription : When Iraq invades Kuwait in August, 1990, a callous Indian businessman becomes the spokesperson for more than 170,000 stranded countrymen.

Duration :2 Hours 10 Minutes

Audio Quility : Original Audio

Resolution : 320x240

File Name :- Airlift (2016) Hindi BRRip-1.Mp4

Size : 95.39 MB

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Mexico's breathtaking Day of the Dead festival

Mexico's Day of the Dead festival is known for amazing skeletal makeup. Ecuador, Brazil, and Bolivia have their own festivities, too.

Tradition calls for lighting candles and bringing bouquets to the graves of family and friends. November 1 (called the Day of the Innocents) is meant to honor deceased infants and children, while November 2 (called the Day of the Dead) is a day to honor deceased adults.

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