Timing the market is in contrast with the typical “buy and hold” investment approach. Yet active robo-advisors strive to best the market averages! And with newer and more sophisticated algorithms, it just might be possible. In fact, many active investment strategies fail to beat the market averages. And that’s quite good as historical stock market returns are approximately 9% with bonds near 5%. The typical robo-advisor is great at matching market returns. “ Market timing is the practice of buying and selling securities based on economic trends, corporate information, and market factors,” according to InvestingAnswers. Three benefits of actively managed robo-advisors are: 1. Robo-advisors with active management are unique in some ways, however. There are many benefits to robo-advisors in general, and they’re worth looking into before you make any decisions. What Are the Benefits of an Active Investments Advisor? *Disclosure: Please note that this article may contain affiliate links which means that – at zero cost to you – I might earn a commission if you sign up or buy through the affiliate link. Should I Choose an Active Management Robo-Advisor?.Empower (formerly Personal Capital) Advisors What Does an Active Management Robo-advisor Look Like?.What Are the Benefits of an Active Investments Advisor?.Active Management Robo-Advisors, the Next Digital Investment Wave.Overall, the goal of these actively managed robo-advisors is to beat the market. Some active management strategies might help time the market as well as provide financial advisors. What the active robo-advisor looks like depends on the platform you choose, and you should take a look at a few different options before choosing your digital advisor. And Wealthfront has added the hundreds of ETFs which users can add to customize the existing passive portfolios, or to create new ones. As market declines persist, the demand for active investment advisors may increase.Īnd, as robo-advisors expand their services, you’ll notice that one of the earliest robo-advisors, Betterment offers smart beta portfolios, in addition to the original passive investment model. But, as market volatility increases, active investment advisors and robo-advisors may be worth consideration.Ī newer type of actively managed robo advisor includes the T Rowe Price Active Portfolio Plus, the Titan invest app, the Merrill Edge robo and several others. Robo-advisors began as a way to get a basic, passively managed index fund investment portfolio for a low fee. In contrast, a complaint of robo-advisors is that most offer only passively managed, index fund portfolios. One of the most appealing features of the robo-advisor is the fact that you can get the benefits of professional financial management with lower fees than a traditional financial professional. Active Management Robo-Advisors, the Next Digital Investment WaveĪctive investment advisors attempt to outperform the returns of a passively managed index fund investment approach.
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Employees negotiate for better contracts, fair terms of pay, benefits, occupational. Without a doubt, there is more to be done to further address our employees’ work-life balance concerns, but it is clear this agreement maintains rail’s place among the best jobs in our nation. Collective bargaining is the process that allows employees to negotiate employment terms through their unions. Click the item in the Link column to view the full agreement document. What Is Collective Bargaining Collective bargaining is when a group of working people, assisted by their unions, negotiate their employment contracts with their employer. The gains in this agreement are significant, including historic wage increases, best-in-class healthcare, and meaningful progress in creating more predictable, scheduled work shifts. These agreements are sorted by agreement period, then by collective bargaining unit. “Let’s be clear railroading is tough, essential work that keeps our nation moving, and our employees deserve our gratitude for moving America’s freight and doing so safely every day. More broadly, all rail stakeholders and the economy writ large now have certainty about the path forward. The result of collective bargaining procedures is a collective agreement. The product of these agreements is a compromise by nature, but the result is one of substantial gains for rail employees. collective bargaining Collective bargaining is the negotiation process between an employer and a union comprised of workers to create an agreement that will govern the terms and conditions of the workers' employment. “As we close out this long, challenging process, none of the parties achieved everything they advocated for. “The Senate acted with leadership and urgency with today’s vote to avert an economically devastating rail work stoppage,” said AAR President and CEO Ian Jefferies. Over the course of the contract, average railroaders will receive a $16,000 immediate payout and increase wages and benefits to $160,000 per year. Once this time is up, a new contract is negotiated. The goal is for management and the union to reach a contract agreement, which is put into place for a specified period of time. The Senate voted on an overwhelmingly bipartisan basis to avert a rail strike and implement tentative agreements reached between railroads and workers. Collective bargaining and workers’ voice are key labour rights, as well as potentially strong enablers of inclusive labour market. Collective bargaining is the process of negotiations between the company and representatives of the union. The Uniden HomePatrol handheld is powered by a rechargeable lithium-ion battery that lasts up to 8 hours on a single charge. It also allows you to program different colors, flash patterns, and tones for specific channels, Close Call hits, and emergency alerts. You can program the scanner to alert you when it locates a new channel or unit frequency. This Uniden scanner continuously records, allowing you to play back up to four minutes of recent transmissions. This scanner includes several useful additional features. This model also incorporates Uniden's Close Call RF Capture feature, which continually scans the area to find frequencies that are in close proximity, such as a conversation between two people using handheld radios. With its GPS receiver, it will also automatically populate available frequencies as you move through different locales, eliminating the need to fiddle with dials while you drive. Simply enter the zip code, and it populates the available channels for you from Uniden's database, eliminating any need to fiddle with dials or buttons. One of its best features is its ability to make locating frequencies easy. With a user-friendly design that makes it easy to locate and a host of useful additional features, it's little wonder why Uniden's handheld digital scanner is the best you can buy. Pros: - Uses GPS to automatically find available frequencies - Records up to four minutes of broadcasts for playback - Automatically searches for new frequencies - Allows you to customize alertsĬons: - One of the more expensive police scanners on the market Specs: - Weight: 1 pound - Dimensions: 9 inches long by 3.8 inches wide by 2.4 inches thick - Type: Digital Why It Made The Cut: An easy-to-use design that automatically populates frequencies coupled with cool additional features make this handheld the best all-around police scanner on the market. The Best Police Scanners: Reviews and Recommendations Best Overall: Uniden HomePatrol Series Digital Handheld Scanner When possible, we chose police scanners that offer additional features, such as record and playback functions and those that support trunking. We also favored those that include GPS devices that allow the police scanners to automatically update their list of frequencies based on location, eliminating the need for the user to manually search for frequencies while driving. With that in mind, we chose mainly models that are able to automatically populate local frequencies by accessing a database. The best police scanners are able to find frequencies without a significant amount of effort from the operator. Likewise, many agencies employ trunking, so we only chose models that can pick up trunked frequencies. Since most law enforcement and emergency services agencies use or are migrating to digital frequencies, we did not include any analog police scanners on this list. With those caveats in mind, we considered a few crucial factors when selecting police scanners for our list of the top models. Police scanners are also not allowed to be used to help commit a crime. While it may be legal to own a police radio, using one in your car or downloading an app may not be allowed, according to NBC News. Best Overall: Uniden HomePatrol Series Digital Handheld Scanner - Best for Car: Uniden Beartracker - Best Portable: Uniden HomePatrol-2 Digital Scanner - Best for Home: Whistler WS1065 Desktop Digital Scanner - Best App: Scanner 5-0 How We Picked the Best Police Scannersīefore you consider buying a police scanner, you should know that police scanners are legal in some states and not in others. Read on to find out more about what you should look for in a good police scanner and find out why the models below are the best police scanners. There are even apps that will turn your smartphone into a police scanner. Police scanners range from desktop models to handheld scanners that resemble walkie-talkies. Many make finding local frequencies easy with access to vast GPS databases that allow them to automatically populate local channels on the device automatically. Unlike the crackly broadcasts of old analog scanners, today's police scanners use digital technology to broadcast clear static-free transmissions. The best police scanners give you the 411 on police activity in your neighborhood or on the route you're traveling, helping you to steer clear of potential traffic hazards or dangerous situations. There are Presets available for all types of photography, and both free and paid versions are available. Organize your photos in folders and use keywords to locate them quickly. Once you have made adjustments to your full-resolution images, you can save both the original and edited versions. By using these Presets, photographers can apply the desired effect on the photos, which reduces the effort involved in manual editing. While you can create your own presets, there are predetermined Lightroom presets available that will help you to speed up the editing process in a one-click process. These presets are customized effects and adjustments which can be applied in Lightroom with just a few clicks. Lightroom is a powerful software for photographers to do a wide range of editing easily. While some use Photoshop to enhance their images, many photographers use Adobe Lightroom, a hugely popular image editing software, to get the best results. Photographers have varied opinions regarding post-processing digital photos. You must learn a few basic photography post-processing techniques that will allow you to enhance your photos. One of the crucial points is post-processing. This will help maintain consistency in your work and allow you more time to get out there and shoot rather than spend hours organizing your photos.įor a faster workflow, there are various steps that you should incorporate into your digital photo editing process. You need to master the process from start to finish, right from clicking the photo, transferring it to a computer, editing and archiving it. Looking for the perfect Lightroom presets for mobile and desktop? Here are the best 30+ Lightroom presets that are easy to use and give stunning results!Īs a professional photographer, you must have a consistent, efficient workflow. Join a club to earn exclusive rewards and gifts each week.Ğnjoy fun mini-games like McDinko, Wild Shot, Long Drive Contest, and Gopher Derby.Ĝollect adorable hand-drawn stamps and complete collections to earn rewards.Get rewards through stamp collections, trophies, tours, mini-games, events or daily gifts!.Ĝomplete daily challenges to earn rewards.Play Fairway Solitaire for as long as you like there are no lives or limits to your game play!.Play Fairway Solitaire daily for events like Treasure Hunts, Pro Stars, and Stamp-edes.Ğvery weekend you’ll find amazing hand painted scenery to take you far away while staying in the comfort of your own home.Get swept away to different destinations in special week-long events. enjoy over 1,000 solitaire levels and counting!.Use irons and Midas Clubs as wild cards to aide in your strategy, or power ups like the shuffle and preview to solve puzzling card layouts.Play with unique golf-themed boosts to power-up your game.Play the golf game with thousands of courses in incredible locations all over the world.Expertly play like a pro through puzzling solitaire challenges, from rough hazards to sand traps and rain hazards.If you get stuck, select a golf club from your bag.Stay on par by removing the most cards in each solitaire hand.Simply play one card up or one card down from your draw pile, it’s that easy!.Simply play one card up or one card down from your draw pile to clear the puzzle board as you take on challenging golf solitaire puzzles on hand-painted, scenic courses from all around the world. If you like to play classic solitaire games: Klondike, Pyramid, then you can certainly add to the list a unique Golf Solitaire.Set course for the fairways□□of the world, but don’t expect an easy lie or to improve your golf swing! Get ready to play solitaire with a twist playing Fairway Solitaire, the golf card game that’s easy to pick up, but impossible to put down.įairway Solitaire is the unique card strategy game where solitaire and golf ⛳ combine into an easy to play puzzle game. There are no resets allowed.įor equal values choose: - the longest rows to open access to the following cards - the most diverse cards so there are more chances to make a successful combination. Try to collect sequences in which the maximum number of cards from the table are involved and you can only go one time through the base deck. If there is no suitable value on the table, click on the foundation deck. The card that you moved becomes the new topmost and determines the conditions of moving the cards. For example, if there's a 6 on the waste you can move a 5 or a 7 of any suit there. Play solitaire by stacking cards from the table in one pile if a card ranks one higher, or one lower than the topmost card on the waste. The rest of the deck is facedown and makes up the foundation, and the top face up card is the discard. You can always use the Undo button.Īccording to the rules, you need to clear a playing field consisting of 7 columns symbolizing holes. This is the best choice for beginners with simple cards and with no timer. The classic version of the game is available free and without registration with the simplest layout. (Any ofrenda erected for me, I’m sorry to say, will likely include English breakfast tea or Diet Coke.) Fire is represented by candles and air by the colorful papel picado, which moves in the wind.Īnother key element for any ofrenda is salt. Water is displayed, but you’re free to include other beverages the deceased enjoyed - tequila, chocolate or that Sprite. The masa is the body, the filling the bodily liquids and the cornhusk wrapper, or hoja, the coffin.Īlong with earth, the other three elements of water, fire and air are represented on the ofrenda. Among Nahua people in Puebla, tamales play a vital role, serving as a host for the visiting spirits. On the ofrenda, the pan and other foodstuffs (mole, tamales, fruits, nuts, whatever) represent the earth. (You’ll find pan de muerto at panaderías or Latino supermarkets.) Ramírez-Oropeza showed me photos of what she called the “weirdest and most contemporary” takes on the pan, the loaf serving as sandwich bread with fillings of chilaquiles or roast pork. No matter the shape or color, the pan de muerto serves as both an offering on the ofrenda and as a nice snack. These breads aren’t loaves but circles of dough - imagine little steering wheels - and bright pink. Then there’s Mizquic bread - the name comes from Mitclan, the land of the dead. In Guanajuato state, it shows up as a dollop of color on body-shaped loaves covered in white frosting. The pink appears on various forms of pan de muerto. The Spaniards banned the plant for a time because of supposed links to human sacrifice. Pre-Hispanic people made a ceremonial bread with amaranth, which produces flowers in a rich, dusky maroon. Some pan is decorated with pink sugar, a color scheme with ancient roots. Here’s what goes into building an ofrenda, or altar, for a deceased loved one. Here’s howĭía de los Muertos (Day of the Dead) is Nov. Lifestyle Anyone can make a Día de Muertos altar. The bread used in parts of Oaxaca is sometimes more elaborate, with glazing or frosting creating intricate designs or the faces of saints. In Ocotepec, a Guerrero state village where Ramírez-Oropeza spent years conducting research, the pan is more symbolic, with oval-like bodies and just hints of legs and arms on the chest. Sometimes the bread takes a body shape, with straight legs and folded arms. While the round loaves of pan de muerto are symbolic, other designs are more literal. “Remember, everything is mixed together,” she said. In fact, some people might view the strips as bones, directions and the cross all at once and comfortably so, a multicultural interpretation colonizing Spanish priests would have declared heathen. What’s more, a round bit of dough often included where the strips intersect represents a skull.Īnd the four directions and Christian cross? The strips can represent those too. The strips on the pan de muerto indeed represent bones, Ramírez-Oropeza told me. We are re-creating ourselves,” Ramírez-Oropeza said. “So when we’re cooking - heating a tortilla or whatever - we’re doing that too symbolically. An image from an Aztec-era codex that Ramírez-Oropeza showed me depicts the goddess Quilaztli or Cihuacoatl pulverizing the bones on a metate, a slanted stone grinding tool found in Mexico to this day, usually used for breaking down corn. She recounted the story of how the god Quetzalcoatl and his twin, Xolotl, journey to Mictlan, the land of the dead, to retrieve bones that were used to create human beings.Ī goddess helps in the creation of humans and does so with a cooking implement. The use of foods to honor and welcome the dead has roots that stretch back to one of the Aztecs’ creation myths, Ramírez-Oropeza said. The Roman Catholic Church observes All Saints’ Day on Nov. One of the two calendars Mesoamericans used consisted of 18 months of 20 days certain months featured remembrances of the dead, and two of those months fell around October and November. This brings us to how traditions combined for Day of the Dead. We’re dying and we’re living at the same time,” Ramírez-Oropeza said. Life and death, for example, were seen as existing comfortably side by side and not in opposition. This fits neatly with the omnipresent concept of duality in pre-Hispanic thought. The second is what pre-Hispanic peoples called ixiptlah, a Nahuatl word meaning an image acting as a substitute of something or someone. Covering the issues, politics, culture and lifestyle of the Latino community in L.A., California and beyond. Mac OS based users can download the app directly from the below link. If you are an Apple user, then don’t worry! Telegram is also available for you. After completing the download process, install it as a normal computer software. It has also a portable version, which you can use without installing on your computer and carry anywhere on your pen drive. This is a small software and doesn’t take much space and RAM of your computer. You can use Telegram on Windows 7, 8, 8.1, 10 and XP. The official Windows installation file for Windows is available for Telegram messenger. You don’t need a simulator like Bluestack to run Telegram on Windows computer. If you don’t want to install it on your computer, then you can use it as a web app. You just need to choose the right platform for you. You can free download Telegram for PC Windows, Mac and Linux systems as well as Android, Windows, and iOs devices. This is the only instant messaging app which is available for all platforms including mobile and computer – platform doesn’t matter. Telegram for PC Free Download on Windows and Mac If you are using it on the mobile browser, you won’t differentiate the original one.Ĥ) It is available for free without showing you any ads. Now enter your mobile number and verification code to access your Telegram account on the web browsers. Open the web browser on your computer or smartphone and navigate to. The good news is, you don’t need to keep active your smartphone to use it on the web like Whatsapp. It supports almost all modern web browsers. Using Telegram Web, you can access your account in your web browser. Instead of download Telegram for PC, you can use it on your web browser. However, Telegram provides more on this part. This is what actually creates this texting app very identical to WhatsApp. The courier uses your get in touch with variety as your ID and it allows you to communicate with any get in touch with in your cell phone directory, provided that they are using the app too. Registering and using Telegram is actually quite simple. Telegram app for PC also has the same functionality like the mobile app. This is very useful if you are posting contents in late night. After the last update, now you can send silent contents on your channel. When you publish a post, the subscribers get notifications of their mobile. The users just need to Join your channel, that’s all. A Telegram Channel allows you to keep the unlimited number of subscribers like YouTube channel. But, in Whatsapp, there are so many limitations. Channel is something broadcasting in Whatsapp. Overall, Telegram for Mac is an easy to use messaging application that has robust security, a simple user interface and provides a rapid service with speed not entirely dependent upon your device specification.The main reason to download Telegram for PC is the Channel feature.
Moreover, Amazing Slow Downer helps you import your iTunes library or single playlists and export the results to new playlists. Play CDs or import tracks from iTunes with ease On top of that, adjust the sound equalizer to enhance the sound and enable or disable the selected slow down preset with a mouse click. Use the built-in sound volume controller and take advantage of the multiple slow down presets to obtain the desired effects. Moreover, the sound can be moved from the left channel to the right channel by simply dragging the slider. Create your own loops and EQ settingsĪmazing Slow Downer allows you to create multiple presets for different sections in a song and effortlessly adjust the playback speed and song pitch. Adjust the speed from 20% to 200% with a click of a mouse buttonĪt the same time, you have the ability to change the pitch in semi-tone using the original speed or the changed speed.įrom Amazing Slow Downer’s main window, you can load CDs, as well as audio files, which are displayed in the built-in playlist.Īmazing Slow Downer makes it easy for you to track the play time and jump from one part of the song to another by changing the “Min”, “Sec” and “Frame” values. With Amazing Slow Downer’s help, you can change the speed of the music in real time without changing the pitch. Warez is harming producers of the software.Amazing Slow Downer is a light, user-friendly and powerful macOS application that provides the required tools to change the speed of the played audio track. You cannot find here any torrents or download links that would lead you to dangerous sites.įyxm.net does support free software, however we do not support warez or illegal downloads. 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On the other hand having her do this as if that is what she finds 'sexy' in her infantilized cross-species love interest who she fought the war to play with is vaguely disturbing. On one hand focusing on the basics of biological life as a virtue is a reasonable lesson and Rose gently reminding Greg to take care of himself and 'own' his own frailty and mortality and to show some 'humanity pride' is perfect for that. I think she was trying to tell Greg to be more proud of the processes involved in simply living because she thinks they are wonderful.īut because of the way we've already been kind of knocked off balance by the way this relationship is being portrayed in the context of what we just saw with Centipeetle and even Pearl last week it sort of comes across as weird and inappropriate for Rose to present herself as the peaceful, content, easy to impress lover. It is possible the Diamonds weren't the first gems. She's not necessary for a collective to function, but they're made for the purpose of giving orders and such that basic programming can't take care of automatically. Kind of like the Borg Queen in Star Trek. Over time, they lost the ability to reproduce naturally, became hungry with power and gradually artificially evolved themselves into the planet-conquering, strictly role-conforming species they are now.Īs for the diamonds, they might just be another gem type, except extremely rare - so rare, that there are only three of them at present, and probably only four ever made, and they are made for the purpose of bringing order to gemkind. Then technological advancements were made, they had a space age, all that stuff you see humans doing in sci-fi etc. That gems were originally just another species on that planet, like humans in relation to the other life on Earth. I have a dumb, unfounded hypothesis that wherever gems originally come from has inorganic "life" that works on very different principles to organic beings. |