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Biological Weapons




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How Grimguard Tactics Elevates The Tactical RPG on Mobile

Mobile is just about the perfect platform for turn-based RPGs, where battles tend to take place in contained, small screen-friendly environments and sessions can be as short or as long as you like.... Tagged as:




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Geekvape and Porsche Absolute Racing Join Forces for the Macau Grand Prix

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В коде iOS 18.2 нашли новые иконки приложений для нового CarPlay

В коде третьей бета-версии iOS 18.2 найдены новые иконки приложений Климат и Медиа для CarPlay нового поколения. Впервые эти иконки появились в iOS 17.4, а сейчас компания немного изменила их дизайн. Apple утверждает на своём сайте, что первые автомобили с новым CarPlay появятся в 2024 году, но до сих пор ни один автопроизводитель не выпустил...




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Apple TV+ Shares 'Silo' Recap Video Ahead of Season 2 Starting Friday

Apple TV+ today shared a recap video for the first season of "Silo. The hit series returns for a second season starting later this week.

Warning: The video contains major spoilers, obviously.


"Silo" follows the last 10,000 people on Earth, all of whom live in a massive underground bunker to escape the seemingly toxic and deadly world outside. The people are unaware of why the silo was built, and those who seek the truth face deadly consequences. Rebecca Ferguson stars as Juliette Nichols, an engineer who attempts to unravel the mysteries surrounding the silo following a loved one's murder. The sci-fi series is based on Hugh Howey's best-selling book trilogy "Wool." Ferguson and Howey both serve as executive producers.

The 10-episode second season of "Silo" begins this Friday, November 15, and one new episode will follow every Friday through January 17.

Apple TV+ costs $9.99 per month or $99 per year in the U.S., and the streaming service is also included in all Apple One subscription bundles.
This article, "Apple TV+ Shares 'Silo' Recap Video Ahead of Season 2 Starting Friday" first appeared on MacRumors.com

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  • Apple TV Plus
  • Apple TV Shows

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Kuo: Apple Planning Smart Home Camera and New AirPods With More Health Features

In a blog post today, Apple supply chain analyst Ming-Chi Kuo revealed two new products that Apple apparently plans to release in a few years from now, including a smart home camera and updated AirPods with more health management features.


Kuo said mass production of Apple's smart home camera is scheduled to begin in 2026, and the company apparently aims to sell tens of millions of them over the long term. He said the camera will have wireless connectivity, and deep integration with Apple Intelligence and Siri, but he did not mention any other specific features.

Previous rumors have indicated that Apple is planning to release a smart home display, but that device is expected to launch as early as 2025, so it seems like the 2026 camera that Kuo has mentioned here is a different product.

As for the AirPods, Kuo simply said that future models of the earbuds will have "more health management features" like the Apple Watch, and that Chinese manufacturer Goertek will serve as the primary supplier of a 2026 AirPods model. The new smart home camera will also be assembled by Goertek, according to the analyst.

We previously reported that Apple's upcoming Powerbeats Pro 2 will offer heart rate monitoring during workouts, and perhaps that feature will extend to AirPods in the future. In addition, health-focused sensors that could allow for features like body temperature measuring have been rumored for AirPods in the past.

Related Roundup: AirPods 4
Buyer's Guide: AirPods (Buy Now)
Related Forum: AirPods

This article, "Kuo: Apple Planning Smart Home Camera and New AirPods With More Health Features" first appeared on MacRumors.com

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iPhone SE 4 Camera Modules to Enter Mass Production Next Month

Apple's camera module supplier for the upcoming iPhone SE 4 is set to begin mass production of the components in December, according to a new report coming out of Korea.


Economic newspaper Ajunews reports that LG Innotek will supply the front camera module for the budget-friendly fourth-generation device. Final tests are now said to be underway, with mass production of the module following next month.

The outlet reports that LG Innotek usually supplies camera modules around three months before the launch of new smartphones, which tallies with rumors of an iPhone SE 4 launch in March or April 2025. Apple analyst Ming-Chi Kuo estimates that Apple suppliers will produce around 8.6 million iPhone SE 4 units through the first quarter of next year.

The sub-$500 device is expected to feature a design similar to the base iPhone 14. Rumored specifications include a 6.1-inch OLED display, Face ID, a newer A-series chip, a USB-C port, a single 48-megapixel rear camera, 8GB of RAM to support Apple Intelligence, and Apple's first in-house 5G modem. Apple released the existing iPhone SE in March 2022.

Related Roundup: iPhone SE
Buyer's Guide: iPhone SE (Don't Buy)
Related Forum: iPhone

This article, "iPhone SE 4 Camera Modules to Enter Mass Production Next Month" first appeared on MacRumors.com

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Apple Music Classical Updated With CarPlay and Siri Support

Apple Music Classical was updated today with CarPlay and Siri support, as well as stability and performance improvements, according to Apple.


CarPlay support was briefly added to a previous version of Apple Music Classical earlier this year, but it was removed just hours later. Starting with version 2.1 today, the app is once again available on CarPlay, as shown in our screenshot below.

CarPlay support provides Apple Music Classical listeners with access to their playlists, library, recommendations, and more on their vehicle's infotainment display. And with Siri on iOS 18.1 and later, users can also search via CarPlay for composers, artists, works, and instruments in English, Spanish, French, German, Italian, Portuguese, and Dutch, according to Apple. Additional languages will follow over time.


Apple Music Classical first launched in March 2023, offering users with a standard Apple Music subscription access to over five million classical music tracks at no additional cost. The streaming app features advanced search functionality, exclusive artwork, extensive metadata, curated listening recommendations, and more.

The app is available for the iPhone and iPad, as well as Android. It is based on Primephonic, a classical music streaming service acquired by Apple in 2021.


This article, "Apple Music Classical Updated With CarPlay and Siri Support" first appeared on MacRumors.com

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App Store Connect for Developers Gains Refreshed UI, Feature Notifications and More

Apple today overhauled the App Store Connect app designed for developers, introducing version 2.0. Developers use App Store Connect to distribute and manage their apps for the iPhone, iPad, Mac, Apple Watch, Apple TV, and Vision Pro.


‌App Store‌ Connect 2.0 includes a refreshed UI throughout the app, as well as new capabilities. Developers are able to promote their apps by generating marketing assets for app launches, version updates, featured placements in the Today tab, and more.

These marketing assets that are generated for special moments can be shared on various social media channels for app promotion purposes.

‌App Store‌ Connect will also now send developers notifications when their app is featured in select placements on the Today tab, such as App of the Day or Game of the Day.

In addition to allowing for app management, ‌App Store‌ Connect also provides support for creating TestFlight betas, monitoring sales and trends, and responding to customer ratings and reviews.


This article, "App Store Connect for Developers Gains Refreshed UI, Feature Notifications and More" first appeared on MacRumors.com

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  • App Store Connect
  • Apple Developer Program

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Apple Might Make Smart Home Products Like Cameras

Apple has considered building its own line of smart home accessories, reports Bloomberg's Mark Gurman. Apple could manufacture smart home cameras and other devices that would connect to its HomeKit smart home platform and that would tie in with a planned smart home "command center" that could come out as soon as next year.


As one example, Gurman suggests Apple could create an indoor security camera that could also be used as a baby monitor, which is in line with a report we heard from Apple analyst Ming-Chi Kuo yesterday.

Kuo claimed that Apple is designing a smart home camera that will be manufactured starting in 2026, with Apple planning to sell "tens of millions" of the devices over the long term. Kuo says that the cameras that Apple is working on will have wireless connectivity and deep integration with Apple Intelligence and Siri.

Gurman does not seem as sure that Apple will follow through on plans to create its own smart home products. He says that it's something Apple is "exploring" that could be prioritized should its upcoming smart home hub device turn out to be a success.

Apple would likely emphasize privacy with its smart home cameras, providing an alternative to cameras from companies like Amazon's Ring and Google's Nest. Ring has been derided for its privacy policies over the years, primarily because it had a "Request for Assistance" tool that allowed law enforcement officials to request video footage from Ring customers. Ring has provided police officers with Ring camera footage without notifying users, and reserves the right to do so in emergency situations. Google's Nest brand also says that it will provide police with smart home camera footage in emergency situations without a warrant.

Apple is known for having strong privacy protections, and it is possible that customers would trust a smart home camera from Apple more than a smart home camera from a company like Ring. Apple already designed a ‌HomeKit‌ protocol for cameras called HomeKit Secure Video, which is end-to-end encrypted.

Prior to coming out with any smart home accessories, Apple plans to release an iPad-like smart home display that will serve as a home hub. The smart home device, which is set to come out as soon as March 2025, will run apps and will control ‌HomeKit‌ and Matter-based accessories.


This article, "Apple Might Make Smart Home Products Like Cameras" first appeared on MacRumors.com

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Mophie Launches New Qi2 Car Charger and 3-in-1 Travel Charger

Mophie has three new Qi2 charging accessories available as of today from Apple retail stores, including a 3-in-1 Travel Charger, a Wireless Charging Vent Mount, and a Magnetic Vent Mount.


The $150 3-in-1 Travel Charger features a Qi2 MagSafe charging surface for the iPhone, which can provide up to 15W to a compatible ‌iPhone‌. It also has an Apple Watch charger that offers up to 7.5W for fast charging Apple Watch Series 7 models and later, and a 5W AirPods charging surface.

A 40W wall adapter is included for charging all three devices at once, and it comes with international plug configurations for the United States, UK, European Union, and Australia. The ‌iPhone‌ charging surface can be used while flat or while lifted up, and in the lifted mode, it is compatible with StandBy.

The charger folds up in half so that it can easily be tucked away in a backpack or a suitcase when traveling, plus Mophie includes a Travel Case that holds the charger and the power adapter that comes with it.

Mophie's $70 Wireless Car Vent Mount provides up to 15W for charging a compatible ‌iPhone‌ with Qi2. It is designed to connect to a vent using an adjustable hook, and it has a wide base that holds the ‌iPhone‌ securely in place.


The mount can tilt and swivel so that the viewing angle can be optimally adjusted, and one hand can be used to mount the ‌iPhone‌ and remove it. The vent attachment works on car vents up to 41mm deep, and Mophie includes a USB-C to USB-C cable, a 20W USB-C car adapter, and two cable management clips.

If in-car charging isn't needed, Mophie also has a $30 Car Vent Mount that holds an ‌iPhone‌ in place via ‌MagSafe‌, allowing it to be used for navigation, hands-free calls, and more. With the exception of charging capabilities, it is identical to the Wireless Mount, featuring multiple viewing angles, one-handed operation, and a strong magnetic hold.

Mophie's new products can be purchased from the Apple online store or in Apple retail locations.

Tag: Mophie

This article, "Mophie Launches New Qi2 Car Charger and 3-in-1 Travel Charger" first appeared on MacRumors.com

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Carolina Furfare cancelled after area devastated by Hurricane Helene

In the wake of the devastation rendered by Hurricane Helene, Carolina Furfare released a newsletter on October 1 stating the cancellation of the event that was to occur this weekend, and indicating that the hotels and facilities were needed in order to assist with rescue and sheltering efforts after the Hurricane hit the mountainous region.

This weather event hit the top ten most fatal and costly hurricanes in the United States even before full recovery efforts could be finalized. People who pre-registered have been given the option to roll over to next year, or to Bewhiskered 2025; due to the cancellation being so close to event day they cannot guarantee refunds for now.

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Tucker Carlson calls Robin DiAngelo’s book, “White Fragility,” “an utterly ridiculous book,” “poisonous garbage,” and “a crackpot race tract”

"In sum, 'White Fragility' is an utterly ridiculous book. ... Everything about 'White Fragility' is poisonous garbage, and it's not an overstatement." Continue reading



  • Accountants CPA Hartford
  • Articles
  • "White Fragility" is a wildly popular book
  • Author makes money telling people they are racist
  • Book props up worst offenders of injustices
  • Book says you're racist no matter who you are
  • Effort to turn schools into woke propaganda mills
  • Elite author oblivious to country's real problems
  • Feeling threatened is proof that you are racist
  • Louis Farrakhan
  • Robin DiAngelo
  • so discomfort is necessary and important
  • The point of the book is to demoralize you
  • Tucker Carlson
  • Tucker Carlson calls Robin DiAngelo's book "White Fragility" "an utterly ridiculous book" "poisonous garbage" and "a crackpot race tract"
  • Tucker Carlson calls Robin DiAngelo's book "White Fragility" "an utterly ridiculous book" and "poisonous garbage"
  • Tucker Carlson Tonight June 24 2020
  • University of Kentucky
  • We are socially penalized for challenging racism
  • White comfort maintains the racial status quo
  • White Fragility
  • White Fragility makes ridiculously false claims

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Republican leaders abandoned conservatives and police officers and law and order during riots

Our Republican leaders don’t believe they have the authority, they don’t believe they’re legitimate, they don’t see the threat. They don’t want to see the threat because they know they can’t face the mob. They know they’re too weak. And so they offer trinkets and hope the mob will go away, but it won’t. Mobs can’t be sated. We thought Republicans understood that. That’s why we supported them. But this crisis has revealed the truth. Now we know who they are. It could not be clearer and now it’s time to find new leaders. Continue reading




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Antifa Black Lives Matter is a totalitarian political movement to overthrow a capitalistic free market and free society

Elected Republicans, almost all of them, are in no hurry to stop the disorder. They appear to believe what we're watching is a version of the Rodney King riots from 1992. People saw an upsetting video on the internet, they're angry, and that's understandable. But they'll calm down soon, and we can get back to cutting capital gains taxes and sanctioning Bashar al- Assad. That's their view of it. They are wrong. This is not a momentary civil disturbance. This is a serious and highly organized political movement. It is not superficial. It is deep and profound. It has vast ambitions. It is insidious; it will grow. Its goal is to end liberal democracy and challenge Western civilization itself. This is an ideological movement. The ideas that fuel it have incubated for decades on college campuses. We paid for all of it, by the way. The rest of us were so thrilled that our kids got into Duke that we decided to ignore what Duke was actually teaching them and are continuing to send big checks. That was a mistake. It was one of the greatest mistakes we've ever made. Continue reading




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Donald Trump will lose in November because he failed to walk his big talk

When widespread looting and disorder arrived, the president did not act as decisively as many had hoped. He said little, he did less. Some voters felt undefended, some turned against him. Continue reading




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Is Tucker Carlson accusing Republican officeholders of not defending normal American citizens?

Republicans are failing for a much more obvious reason, a more fundamental reason. They're failing because they haven't done much that is worth doing. They haven't tried very hard to improve your life. When the crisis came, they fled. They did nothing to defend you. They did nothing to defend the country. Continue reading



  • Accountants CPA Hartford
  • Articles
  • Black Lives Matter
  • colorblind meritocracy
  • Donald Trump
  • freedom of speech
  • Governor Nikki Haley
  • http://cpa-connecticut.com/barefootaccountant/is-tucker-carlson-accusing-republican-officeholders-of-not-defending-normal-american-citizens/
  • Is Tucker Carlson accusing Republican officeholders of not defending normal American citizens?
  • Jeffrey Epstein
  • Jim Crow
  • Middle class families are the core of this country
  • Republican officeholders are not defending normal people from "self-righteous lunatics"
  • Republicans must work as hard as they can to make America fair again
  • Senator Mike Braun
  • Slavery
  • total equality under the law
  • Tucker Carlson
  • Tucker Carlson Tonight June 30 2020
  • Voters need to demand change from the GOP

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Big Tech opposes temporary blocking of H-1B guest worker visas because it wants to give your childrens’ jobs to cheap foreign labor

So Apple isn't fighting for diversity. They're doing exactly what they appear to be doing: they're trying to keep wages down and keep their workers compliant by importing labor from abroad.This isn't about diversity. It's about exploitation. It always is Continue reading



  • Accountants CPA Hartford
  • Articles
  • Amazon
  • Apple
  • Apple's CEO
  • Big Tech
  • Big Tech opposes temporary blocking of H-1B guest worker visas because it wants to give your childrens' jobs to cheap foreign labor
  • blocking guest worker visas
  • cheap foreign labor
  • diversity
  • Donald Trump
  • exploitation
  • Google
  • H-1B guest worker visas
  • http://cpa-connecticut.com/barefootaccountant/big-tech-opposes-temporary-blocking-of-h-1b-guest-worker-visas-because-it-wants-to-give-your-childrens-jobs-to-cheap-foreign-labor/
  • India
  • Silicon Valley
  • STEM
  • Tim Cook
  • Tucker Carlson Tonight July 1 2020

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FBI CIA NSA are not only spying on American citizens but also are illegally unmasking their identities to journalists who support our fascist government

FBI CIA NSA are not only spying on American citizens but also are illegally unmasking their identities to journalists who support our fascist government Continue reading




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Censorship is antithetical to the scientific method because it requires free speech and open debate and skepticism

Censorship is antithetical to the scientific method because it requires free speech and open debate and skepticism Continue reading




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The Deep State has declared war on American citizens who oppose the Deep State

THAT'S WHAT THEY ARE USING JANUARY 6TH. IT'S DEMENTED TO COMPARE 9/11 AND JANUARY 6TH BUT IT'S SO CENTRAL TO THE AGENDA OF THE SECURITY STATE, THE DEMOCRATIC PARTY, TO ESSENTIALLY INITIATE A SURVEILLANCE REGIME, A DETENTION REGIME, AGAINST PEOPLE ON THE RIGHT WHO ARE AGAINST THE ESTABLISHMENT. AND THEY’RE ALREADY DOING IT. AND THEY PUT PEOPLE ON THE NO-FLY LIST, THE KIND OF DEFINING FEATURE OF THE FIRST WAR ON TERROR, THEY WANT TO DO NEW LEGISLATION THAT GIVES THE FBI AND THE CIA NEW POWERS, SPENDING MORE MONEY ON LAW ENFORCEMENT. THIS WAR ON TERROR IS CRUCIAL TO THEM. Continue reading




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The media participated in a lying campaign to influence a political election

Glenn Greenwald: "So you have huge number of journalists who believe that, they have the right to lie and even when they get caught, they don't care because they know their audience won't hold it against them." Continue reading




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Вокалист MAJESTICA исполняет хит ZZ TOP

TOMMY JOHANSSON порадовал поклонников новым клипом — на этот раз кавер-версией композиции ZZ TOP "Legs".
#Majestica #PowerMetal #Power_Metal
Видео: https://www.youtube.com/watch?v=I9KEGDpFCEs
https://www.youtube.com/watch?v=rBJ7L5LyAk4




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Тур METALLICA претендует на награду Pollstar

Pollstar, ведущее отраслевое издание индустрии живых развлечений, с радостью объявляет номинантов на 36-ю ежегодную премию Pollstar Awards. Эти награды - главное событие трехдневной конференции Pollstar Live!, крупнейшей в мире встречи профессионалов индустрии, эти награды признают и отмечают самых инновационных и успешных артистов, туры, компании, площадки и руководителей.

Победители будут объявлены на церемонии награждения в отеле Beverly Hilton в Лос-Анджелесе 19 февраля 2025 года. Среди знаменитостей, которые в прошлом были ведущими церемонии и участвовали в ней, - Dave Chappelle, Dave Grohl, Sir Elton John, Don Henley, Sebastian Maniscalco, Lars Ulrich и другие.

В номинации "Rock Tour Of The Year" на награду претендуют:

Blink-182’s “The More Time Tour”
Bruce Springsteen And The E Street Band’s “2024 World Tour”
Coldplay’s “Music Of The Spheres World Tour”
Foo Fighters’ “Everything Or Nothing At All Tour”
Green Day’s “The Saviors Tour”
Metallica’s “M72 World Tour”

В категории "Residency Of The Year" на награду претендуют:

Adele at The Colosseum at Caesars Palace/Neue Messe München
Billy Joel at Madison Square Garden
Dead & Company at The Sphere
Eagles at The Sphere
Jason Isbell And The 400 Unit at Ryman Auditorium
U2 at The Sphere
#Metallica #ModernRock #Modern_Rock #AvantgardeRock #Avantgarde_Rock #HeavyMetal #Heavy_Metal #ProgressiveMetal #Progressive_Metal #SymphonicMetal #Symphonic_Metal #ThrashMetal #Thrash_Metal #AvantgardeMetal #Avantgarde_Metal




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Новое видео CARBELLION

Spaces, новое видео CARBELLION, доступно для просмотра ниже.
#Carbellion
Видео: https://www.youtube.com/watch?v=s6lQ6sZwH4w




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Что выберет Мик Шумахер в 2025-м – WEC или IndyCar?

В Auto Bild перечислии возможные варианты продолжения карьеры Мика Шумахера, и их по-прежнему несколько...




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В Лас-Вегасе VCARB01 получит ряд компонентов шасси RB20

Перед заключительными этапами сезона машины RB будут модернизированы, прежде всего усовершенствования затронут заднюю часть VCARB01, где появится ряд важных компонентов от RB20///




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Сарджент готовится к первым тестам в IndyCar

Логан Сарджент, минувшим летом уволенный из Williams, готовится к своим первым тестам в IndyCar, на которых ему предстоит работать 19 ноября...




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HPT Treasures: Practical Situational Awareness

I posted about Situational Awareness at HPT Treasures today. What I didn't say in that post was that I've experimented with a few different methods...






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Brooklyn Independent Comics Showcase moves to two days in 2025

Due to demand from vendors, The Brooklyn Independent Comics Showcase (BICS) is going to a two day show in 2025




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What Shakespeare Can Teach Us About Enlightenment: All the world’s a stage

When I was an undergraduate at university many years ago, my deep enjoyment and love for the works of William Shakespeare blossomed. I had the privilege of taking a Shakespearean class and then during one summer in my undergraduate years, I was able to travel through Europe inexpensively on a bike and a Europass to see the great sites. A memory I remember most is going to Stratford-upon-Avon and watching a William Shakespeare play. I don’t know where my passion and love for his plays comes from but it has been a deep part of my life. His writings have also taught me many things.

When I was in England many years ago for the first time, I was standing in the back of the audience watching the play ‘As You Like It’ that was performed not too far from the ... Read More »

The post What Shakespeare Can Teach Us About Enlightenment: All the world’s a stage appeared first on Enlightenment Podcast.




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The Paradoxical World of Spiritual Enlightenment: We are nothing but we are everything

When we wake up to who we are, something happens. We stop identifying with our egoic selves because we realize they are impermanent and only that which is permanent can be who we are.

We aren’t our bodies, we aren’t our memories, we aren’t our thoughts, we aren’t our feelings… We aren’t any of these things, so we stop identifying with them. What happens is that detachment develops. An aloofness or distancing from everything that occurs. We wake up to the fact that life is an extended dream and a relaxation is able to set in. It’s a sense of calm or a feeling that ‘all is well.’

We lose our identity with our lives, thoughts and feelings, so we witness them but we don’t engage with them. We notice them, but we don’t create stories with them. Since we don’t create ... Read More »

The post The Paradoxical World of Spiritual Enlightenment: We are nothing but we are everything appeared first on Enlightenment Podcast.




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The Price Can Go to Zero

For many years, the fees charged by investment managers of mutual funds grew ever so slightly, gradually approaching 1.5%. Over the last few years, though, the growth in these management fees has stopped. In fact, it reversed. Last year the average management fee charged for actively managed mutual funds was 1.38%, or 138 basis points, where a basis point is one tenth of one percent. But that average is badly misleading. It’s misleading because it treats all funds, regardless of size, as the same. When you adjust the fees for the size of the funds, you find that the dollar-weighted average for actively managed funds is now below 100 basis points. Three things have caused this reversal in management fees: low returns in the stock market, the growth of exchange-traded funds (ETFs) and a price war among the biggest players in the market.

The first two of these factors need little explanation. Over the last ten years, an investment in many bond funds out-performed an investment in diversified equity funds. These low returns have many investors focusing on the costs they incur for the management of their money. These costs include transaction fees for trading securities and management fees for the companies managing mutual funds or exchanged-traded funds. The second factor, the growth of ETFs, is somewhat less obvious, but important. ETFs have garnered a significant share of new money invested in equity funds over the last few years. Companies managing ETFs charge low fees for managing these funds because they have very low costs for shareholder servicing and some other administrative functions associated with investment management. Shrewd mutual fund managers have reduced prices in order to manage the gap in pricing they allow for their managed mutual funds compared to comparable ETFs.

These two causes of the fall in prices for investment management now have a third important factor. This third factor may turn out to be the most important of all. (See the Symptom & Implication, “The industry is seeing its first price wars” on StrategyStreet.com.) As described in other blogs (see blogs HERE and HERE), Vanguard has started, and continued, a price war in the ETF market. For example, iShare’s MSCI Emerging Market’s ETF and Vanguard’s Emerging Market’s ETF compete directly. Vanguard’s fund charges 27 basis points. The iShare’s fund charges 69 basis points. The iShare’s fund entered the market well before the Vanguard fund, and was much larger than the Vanguard fund. However, during 2010, the Vanguard ETF added $18 billion to its fund while iShare’s added about $4 billion. Price matters among peers.

The iShare’s funds are not always market share losers, however. The iShare’s Gold Trust is an ETF that competes with a larger rival, SPDR Gold Trust. Until June of last year, both of these ETFs charged 40 basis points. In June, iShares cut its management fees to 25 basis points. SPDR Gold Trust stayed pat at 40 basis points. Over the next few months, the iShare’s fund gained $875 million in new money, while the SPDR Gold Trust saw a net loss of $1.2 billion of money under management. Price matters among peers.

These management fees can even go to zero. One ETF today has no management fee, zero. It gets its revenues by lending out the securities in its portfolio. (See the Symptom & Implication, “Technology improvements bring falling prices” on StrategyStreet.com.)

Of course, as companies engage in price wars, they advertise their lower prices extensively in order to capture as much market share as possible before their competitors respond. The result: customers are becoming ever more price sensitive about the management fees they pay, simply because the management companies tell them to be more sensitive.

How long will it be until this fee warfare spreads to other smaller types of ETFs? Not very long, as long as price moves share.




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But Can You Control Other Entrants?

The United Autoworkers (UAW) is on a new campaign. The union plans to organize workers in hither-to non-union foreign-owned automobile plants in the United States. This campaign may or may not work, but in the long run it will prove futile unless the union can compete in the international market, against all international auto workers.

There are 575,000 autoworkers in the U.S. Nearly 20% work for foreign-owned plants. All of these plants are non-union. The foreign-owned plants were intentionally placed in right-to-work areas, many in the South.

The UAW is likely to have some difficulty succeeding with this campaign. The non-union workers already earn highly competitive wages and benefits. To date, these U.S. workers in plants owned by Toyota, Volkswagen, Hyundai and Honda have shown little interest in unionization.

Why would the union be so interested in this initiative? To preserve its membership. The traditional problem with unions is less the rate of wages they demand and more about the work rules they impose. These work rules reduce the productivity of the unionized plants. That has certainly been the case in the U.S. auto industry. As a result, the UAW is losing membership as UAW auto plants in the U.S. close under the onerous costs the UAW plants carry. If the union can succeed in unionizing the domestic foreign-owned auto plants to the same extent they have unionized the domestic manufacturers’ plants, they will be able to impose the same work rules and produce roughly the same productivity. The result should, in the union’s eyes, be a reduction in the rate of jobs lost in the union.

But there is a problem here. The UAW has already seen that it was unable to stop new non-union plants in the U.S. How will it stop future non-union domestic plants? O.K., let’s say they can do that. Will they also be able to stop all foreign non-union plants from becoming established and growing? Certainly not. Unless the union membership can compete on an international basis with competitive costs and productivity, this unionization effort is wasted money. If it succeeds, the U.S. loses more plants to plants located offshore. Union membership still falls.

It seems that one of the problems for unionized employees is one of definition. Union members often call their compatriots in competing companies “brothers and sisters.” These are certainly not brothers and sisters. In a marketplace they are competitors. Union employees have to be able to beat, or at least stalemate, these competitors or lose their jobs. This is true as long as the UAW can not control the entrance of other less expensive competitors, either in the U.S. or elsewhere.

The long history of the DRAM semiconductor market illustrates this. The U.S. manufacturers of DRAM semiconductors faced intense competition from the Japanese in the 1980s. The domestic industry succeeded in slowing the Japanese by using the International Trade Commission. Then arose new and equally troublesome problems. These problems were DRAM semiconductor facilities in Taiwan and Korea. Eventually, the U.S. industry evolved to the point where it had only one domestic producer of DRAM chips. Intel was one of the early competitors to get out of that market to focus its resources in the more complex, and much more profitable, domestic micro-processor business. SX4MBURBCAJQ




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Cable T.V. and Customer Retention

Recently, I decided to test the waters for a less expensive television experience. I have been a loyal cable subscriber for thirty-five years, but friends have told me that other systems, especially satellite, are cheaper. I went online to DirectTV.com to check their packages. We have been spending about $112 a month. The equivalent package from DirectTV appeared to be about $81 a month. I was shocked at the size of the price difference. DirectTV was more than 25% less expensive than Comcast, my cable supplier.

Given the size of these price differences, I did some investigation in what is happening in the market. Today there are four potential television service suppliers: cable, telephone companies, such as AT&T and Verizon, satellite and internet companies, such as Netflix and Hulu. The cable companies command 60% of the market. Phone companies have less than 15% of the market. The satellite firms, including DirectTV and Dish, control most of the rest. The internet firms are still small, though they may become larger in the future. Over the years, the cable companies have held a high price umbrella over the satellite companies. Now the phone companies are getting under this umbrella as well. The cable companies lost two million subscribers last year. The phone companies picked up most of that loss, while the satellite firms picked up a bit. The combination of the phone and satellite companies took virtually all the growth there was in the market.


Customer retention is a big deal. Even in fast-growing markets, you would like to be able to retain your customers when competitors seek them out. The cable companies have sought to retain customers by emphasizing more services to higher spending customers. These customers tend to be less price-sensitive. It appears that the cable companies are going to have to alter their courses. They simply can not afford to let their competitors take away their market share. Eventually, the competition will be as big and as strong as they are. They will lose the market leverage that a leader enjoys. For examples see GM in autos, IBM in the PC market and U.S. Steel in the steel market.


The T.V. market is speaking in clear tones. The phone and satellite companies offer a better value proposition. The cable companies have to listen soon.




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The Kindle with Special Offers…not your typical low-end product

Amazon has introduced a low-end Kindle product, the Kindle with special offers. This Kindle sells for $114 compared to the standard $139 Kindle with Wi-Fi. This is not a typical low-end product. Low-end products offer fewer benefits than industry-leading products (we call these Standard Leader products) for either the buyer or the user of the product in return for a lower price. We call these low-end products Price Leaders. There are two kinds of Price Leaders. The first, called Strippers, strip out benefits for both the user and the buyer of the product in order to achieve a very low price. The second, Predators, offers the user equivalent benefits to the industry’s main product but fewer benefits for the buyer. On average, Price Leaders cost about 33% less than Standard Leader products.




You will note that the Kindle with special offers does not fit easily into either of these two Price Leader categories. It reduces the user benefits by delaying the use of the product until the customer has viewed advertisements. There is no change to the benefits offered the buyer of the product. The Kindle with special offers deviates from the norms of Price Leader products with its level of discount. The Kindle with special offers sells for about 18% less than the standard Kindle product.



The Kindle with special offers varies from the Price Leader pricing norm in another interesting and important dimension. Some of these “special offers” are really good deals for the average Amazon customer. In one particularly interesting offer, Amazon will sell an Amazon Gift Card worth $20 for just $10. So, an avid fan of the Amazon web site receives additional user benefits with this new low-end product. In many cases, these special offers may more than offset the disadvantage to the user of a delay in using the product while the user views an ad.



This new Kindle with special offers is a very creative product innovation. Congratulations to Amazon.




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Cable T.V. and Customer Retention

Recently, I decided to test the waters for a less expensive television experience. I have been a loyal cable subscriber for thirty-five years, but friends have told me that other systems, especially satellite, are cheaper. I went online to DirectTV.com to check their packages. We have been spending about $112 a month. The equivalent package from DirectTV appeared to be about $81 a month. I was shocked at the size of the price difference. DirectTV was more than 25% less expensive than Comcast, my cable supplier.




Given the size of these price differences, I did some investigation in what is happening in the market. Today there are four potential television service suppliers: cable, telephone companies, such as AT&T and Verizon, satellite and internet companies, such as Netflix and Hulu. The cable companies command 60% of the market. Phone companies have less than 15% of the market. The satellite firms, including DirectTV and Dish, control most of the rest. The internet firms are still small, though they may become larger in the future. Over the years, the cable companies have held a high price umbrella over the satellite companies. Now the phone companies are getting under this umbrella as well. The cable companies lost two million subscribers last year. The phone companies picked up most of that loss, while the satellite firms picked up a bit. The combination of the phone and satellite companies took virtually all the growth there was in the market.



Customer retention is a big deal. Even in fast-growing markets, you would like to be able to retain your customers when competitors seek them out. The cable companies have sought to retain customers by emphasizing more services to higher spending customers. These customers tend to be less price-sensitive. It appears that the cable companies are going to have to alter their courses. They simply can not afford to let their competitors take away their market share. Eventually, the competition will be as big and as strong as they are. They will lose the market leverage that a leader enjoys. For examples see GM in autos, IBM in the PC market and U.S. Steel in the steel market.



The T.V. market is speaking in clear tones. The phone and satellite companies offer a better value proposition. The cable companies have to listen soon.






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Does the Withdrawal of Capacity Help?

As industry prices fall, and companies’ fortunes decline with the resultant squeeze on their margins, some companies, especially the leaders, seek to withdraw capacity from the market.  The leading companies expect the capacity withdrawal to do two things: redress the imbalance between capacity and demand; and raise prices to more attractive levels because of this better balance.  In practice, the withdrawal of capacity often fails to achieve either of these objectives.

Whenever a leader in an industry reduces its capacity to force price increases, it must consider how competitors will respond.  In many, if not most, cases low-cost competitors expand their capacity to make up for the withdrawal of capacity by the industry leaders.  The end result often is even more capacity available in a marketplace and the same or lower prices available for the industry leaders.

After several quarters of improving profits, the airline industry is again slipping into hostile market conditions as rising fuel prices reduce margins and force higher prices.  Higher prices limit demand growth.  In response to the margin squeeze these tougher times bring to the industry, the industry leaders are restricting the growth in their capacity and, in some cases, reducing the capacity they offer in the domestic U.S. market.  The problem is that several of the industry followers are not going along.

United Continental Holdings and AMR Corporation’s American Airlines have both posted losses for the most recent quarter.  Both of these industry leaders plan to reduce their domestic capacity as a result.  They will be reducing seats available flying into and out of selected domestic markets. 

The pattern of leaders reducing capacity and followers adding it seems to be holding in the current airline industry.  Southwest Airlines, JetBlue Airways and Alaska Air Group derive most of their revenues in the domestic U.S. market.  Each of these companies reported profits in the most recent quarter.  This profitability of the three follower airline competitors indicates that their costs are lower than are the costs of the two legacy airlines that have reported losses, United Continental and American Airlines.  Southwest plans to increase its capacity by 5% to 6% in 2011.  JetBlue plans to add 6% to 8% this year, while Alaska Air plans to grow its capacity by 9%. 

The industry followers are able to add capacity in the face of capacity withdrawal by their larger industry-leading competitors because they have these lower costs.  The lower costs enable the follower companies to make a profit while their larger competitors suffer losses.  In the long run, the only way that the industry-leading competitors will be able to stop the expansion of these follower competitors will be to match or beat their lower cost structures




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Final Call

If my timezone calculations are right, today is the final day of the latest Peak Design Kickstarter. They’ve some cool new bags, see below, which you can grab via this link! I’ve gone for the 7L Sling along with a backpack… in cloud. An ideal mix to cover short and long hikes/photo adventures. Oh, and […]

The post Final Call appeared first on Stuck in Customs.




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Can You Help Me With an Experiment?

Hey awesome blog reader… can you help me with an experiment? Below you’ll find five of my favorite videos from my YouTube channel. A mix that covers photography, travel, post-processing, AI and Machine Elf. I’d love it if you’d pick whichever one appeals most to you and watch a bit. That can be a minute […]

The post Can You Help Me With an Experiment? appeared first on Stuck in Customs.





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iPhone Users: Put an AirTag in Your Camera Bag



Apple’s new AirTags are a straight-up gift for photographers. After testing one for the past couple of weeks, I’ll be hiding an AirTag in my scooter, one in my car and another one in my camera bag.
Read more »




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I'm a Canine Good Citizen!


Hi Everyone, it's me, Grace. You might remember that a couple of years ago I earned my Canine Good Citizen award with my foster dad. Well, my mom said to me about a month ago, "Hey Grace, I know you already know this stuff, but what do you say you and I take the Canine Good Citizen test again?" So I told her I would do it again, just for her if it would make her feel good.


So we practiced all these things like sitting, staying, coming, not pulling on the leash, and passing by dogs nicely without staring at them. I didn't mind it at all, because she gave me lots of treats for doing it.




This past weekend I went with my family to this place with a ton of dogs. They called it a "dog show", but there was no TV there. Anyway, I had to wait for a long time and finally, I heard them call my me and my mom's names and we went into this fenced area. There was a lady with a blue shirt and she told my mom to have me do all these things. She kept saying "nice" after I did them.




After about 10 minutes of doing what she asked me to do, my mom looked very happy and gave me a delicious beef tendon and told me we had passed the Canine Good Citizen test. It was a great day.





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Just Call Me Super Dog

 This weekend I dressed up and went on a walk with all my friends incognito.

I thought that my outfit would let me enjoy the day quietly and the people would pay attention to my sister, Lulu, and my foster sister, Tallulah.
Thats Lulu on my left and Tallulah on my right.
My plan backfired a little. As we walked the people along the way kept calling me. "Super Dog! Super Dog!" they kept shouting. 


I have to admit it was cool to be Super Dog for a day!

hugs,
Uba




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Cutting-edge test uses DNA sequencing to yield diagnoses for some medical mysteries




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2 more escaped monkeys recaptured and enjoying peanut butter and jelly sandwiches in South Carolina




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Amid Earth's heat records, scientists report another bump upward in annual carbon emissions




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The Mayan Calendar -- Process of Transition

 

 As we've seen, the Mayan Calendar is a chart of the evolution of consciousness in the universe.


Each Cycle or Age has its own dominant paradigm or point of view. As you move up through the 9 Cycles, new perspectives and new ways of being arise.


This new perspective starts to show up in the world, but it isn't an immediate switch from the old way of doing things to the new way.


It takes time, and a process of transition, for a new understanding to gain prominence.


The quantum physics revolution is a perfect example. We've known since the 1950's that matter isn't solid, and reality is nothing like we've imagined. Yet for the most part, our world continues to go along believing in the old materialistic ways... "Reality" is what can be proven with the senses. Medicine sees the body as a machine with unconnected parts. The Earth is dead, and humans are the pinnacle of evolution. And so on...

Yet, as we progress, the old perspective becomes more and more marginalised. People begin to talk about things in a new way. Then people begin to act in a new way. Finally (we're not there yet), the tipping point is reached -- the old way is as disregarded as the once unshakeable "knowledge" that the Earth was flat.


And that process is what the 13 days and nights of the Mayan Calendar describe.


The "Days" are times when consciousness expands, new perspectives arise -- times of fresh beginnings.


The "Nights" are times when the new consciousness is applied, new procedures initiated, and old ways (usually forcefully) overthrown.


And each of these 13 periods is characterised by specific circumstances.


Here's a breakdown of each of the 13 Days And Nights of the Mayan Calendar, and the specific transformation that occurs in each.

The First Day

A period of illumination -- new perspectives arise. Beginnings. Seeds are planted; energy begins to flow in a new pattern or paradigm.

The First Night

A period of darkness, rest. Integration. The new pattern begins to germinate within the dark subconscious of mind.

The Second Day

The second period of illumination. Dual paradigms, the old and the new, overlap -- both can be seen. In history, a time of turmoil, as the old ways (status quo) try to repress the new.


(This is where we are as of April 20, 2011.)

The Second Night

The second period of darkness. Followers of the two different paradigms battle for supremacy. Historically, very violent eras.

The Third Day

The third period of illumination. The new paradigm begins to spread deep and wide, beginning to show up in the world as new methods of doing things, new ways of perception. The new pattern begins to overtake the old, as fables, falsehoods, and failures expose the weakness of the past system.

The Third Night

The third period of darkness. The fledgling perspective of the new paradigm is refined, and the earlier, simplistic aspects fall away. The old system is thrown over, usually by force.

The Fourth Day

The fourth period of illumination. The new pattern becomes stronger and goes deeper into consciousness. A period of expansion, as the new paradigm takes form in the world. New corollaries emerge, as the new perspective takes precedence.

The Fourth Night

The fourth period of darkness. Healing the pain of the transition and the death of the old ways. Rebuilding after the destruction of the old status quo systems. The new, more healthy paradigm is truly established now.

The Fifth Day

The fifth period of illumination, and point of greatest radiance in the Cycle. The new paradigm flourishes, sending information about wonderful new knowledge out into the world. The highest possibilities for this Cycle are attainable.

The Fifth Night

The fifth period of darkness, and the nadir of darkness. This is a time of major hardships, cultural collapse, horrific violence. However, it is also a little like gestation: within the dark, something new awaits. From the death, new life will arise.

The Sixth Day

The sixth period of illumination, a time of Enlightenment. The flowering of the paradigm into stunning new insights and newer perspectives... in fact, sowing the seeds for the new Cycle of evolution to follow.

The Sixth Night

The sixth period of darkness. The paradigm has reached its peak and begins to dry and wither, like wheat in autumn. Typically a time of war and violent conflict.

The Seventh Day

The seventh period of illumination. There is a sense of openness, of being ready for something new. The best of the paradigm has been harvested, and it's time for a new level of consciousness to arise.


From the Seventh Day of the Mayan Calendar, we proceed directly to the First Day... from Light to Light. This demonstrates that whole process, even though it contains much dismantling and death, is finally and entirely a process of Creation.


The Mayan Calendar is an illustration of this process.


That's what makes it so fascinating... How did the Mayans ascertain such detailed information, that accurately predicts the ancient past (of which they could have known nothing) to the far future (which they are scarcely more likely to know)?


We may never know the answer to this question. But at least we finally know enough to appreciate their wisdom at last.


And just in time!



With Bright Blessings,