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Faith and Guns: What's Up?
Your Participation Needed in National Discussion: Links Provided
Posted Mar 12, 2013
It is sadly ironic that the U.S., the most religious of all the developed nations, has, by far, the most gun-armed citizenry with, by far, the most gun homicides. Obviously, there is a serious disconnect between religious beliefs, gun ownership and gun use. In our last post we explored historical and cultural reasons for Americans' suspicion of national government and "the other," which has led to the fear and insecurity that result in gun purchases. In this post, as we consider what people of faith are doing to address America's gun problem, consider what you can do, post your ideas so that we can create a dialogue and share ideas that will help us address our gun problems. No idea is too small. The best ideas begin with you and how you implement them in your life.
Gary Hall, the dean of the National Cathedral, has organized Faiths United to Prevent Gun Violence, a national, inter-religious coalition of almost fifty different groups representing among others, Christians of different denominations, Jews, Muslims, Seiks, different races, men and women, all united and calling on Congress to pass legislation that will 1) Require every gun buyer to pass a criminal background check. 2) Get military-style assault weapons and high-capacity magazines off our streets and 3) Make gun trafficking a federal crime.
Faiths United to Prevent Gun Violence provides the following shocking facts: Right now 40% of gun sales take place with no background check. (We have better controls for who drives a car than for who owns a gun.) 85% of the sales on Armslist.com require no background checks. Ten national police organizations and more than 850 mayors support the Fix Gun Checks Act. Background checks have "blocked more than 1.9 million criminals, domestic abusers, seriously mentally ill people and other dangerous people from buying guns at licensed dealers." (Of course, with our current system, these same 1.9 million buyers could still purchase guns without a background check.) "Congress should pass The Fix Gun Checks Act (H.R. 1781/S. 436), pending since February 2011, which would close the private sale loophole at the federal level." Please sign up with Faiths United and contact your representatives in support of this act. We should have as many controls for owning a gun as we have for owning a car. Faiths United also informs us that " high-capacity magazines are used in 14 to 26 percent of all gun crimes and in 31 to 41 percent of fatal police shootings. ...Law enforcement groups across the country, as well as the majority of NRA members, support banning these dangerous weapons. In fact, a recent national survey found that 81 percent of likely voters support a ban on assault weapons, including 71 percent of gun owners and 60 percent of NRA members." "Every year, tens of thousands of guns find their way into the hands of criminals through illegal trafficking channels. For example, 85% of the guns found at crime scenes in New York City were originally bought out of state and made their way illegally into the City." We need stronger gun sales laws so that traffickers can be prosecuted. Please contact Faiths United and share your ideas with them: http://faithsagainstgunviolence.org/contact-us/
The National Cathedral is calling on Americans to "reflect, unite, and act" with a Gun Sabbath Program, March 14-17. All events are webcast live. The National Cathedral is also providing a gun prevention toolkit with suggestions for what you can do personally, including links to your representatives. All of these initiatives are asking for your ideas and your input. Democracy and faith, whatever yours may be, require participation. If you are silent, you are part of the problem. If you speak up, you are part of the cure. America can do better, but only if you make your voice heard.
Our next post will be a consideration of all of the ideas you provide. Mark, one of our readers, has already made a very interesting suggestion: "My plan, for what it is worth, would be to offer voluntary service of some kind. EMT, fire fighter, police reserve, militia, etc. that would benefit the community. Those who are not eligible (mental screening or physically not able) or who do not volunteer would have to pay a tax of some kind to fund the programs." Although I may not agree with all of it, I urge him to share his idea with his local, state, and national representatives. My idea, much more humble, is to treat every one you meet with the respect and kindness they deserve because they carry a spark of the divinity within them— a concept that is embraced by all religious faiths, beginning with the most ancient. All life is a miracle. If we remembered that, everything would be different. Please make your voice heard.


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What would summer be without ‘Jurassic World’ dinosaurs? Especially since Laura Dern, Jeff Goldblum and Sam Neill are back, joining Chris Pratt, Bryce Dallas Howard, and young Isabella Sermon. So what can we expect from this latest version of the new trilogy?
1 – In the movie the park and dinosaurs disappeared everywhere. Owen, Claire, and Macy live under the radar. “We give you something you want…but not what you expect,” Chris Pratt said in media interviews. “Jurassic World: Domination” is certainly set five years after “Jurassic World: The Fallen Kingdom”. The scenario follows two plots that will meet. “It’s not the traditional way to tell a story,” said co-writer and director Colin Trevorrow, before adding that the blockbuster contained elements of a “spy adventure,” with “a bit of Bourne and Bond.”
2 – Women are undoubtedly the heroines of this new chapter of the second trilogy, DeWanda Wise is newcomer, Kayla Watts, pilot. For Colin Trevorrow, it is not Chris Pratt who is the main protagonist of his trilogy, but rather Claire Dearing by director Bryce Dallas Howard. “We open every movie with her and she leads each of these stories,” said Colin Trevorrow.
3 – Biosyn employee Louis Dodgson who stole dinosaur embryos is back. This time, he is played by Campbell Scott, actor Cameron Thor who is currently serving a prison sentence for sexual assault.
4 – For Colin Trevorrow, the character of Kayla Watts is of paramount importance. “It was very important to introduce a new heroine who could define the future of the series. We had the opportunity to create someone who would inspire little girls and dress like her for Halloween for years to come.” Critics were clearly quick to blend in, with some netizens calling the film a “wake up” before even seeing it. DeWanda Wise explained, “As soon as you place a woman, a black woman, or a woman of color or color on the screen, there is automatically a subdued tone, as DeWanda Wise explained. My presence is politicized whether fans know the story or not.”
5 – “It’s really the movie I’ve been waiting to make since the beginning. It’s the one that leads us to the first two. And I think people underestimate the characters of Laura Dern, Sam Neill and Jeff Goldblum in Domination. It’s really a cohesive group and that means you can take these lovable characters for more of 30 years and understanding how they interact in a world we have yet to see.
Released in 1993, directed by Steven Spielberg and adapted from the excellent – and very different – novel by Michael Crichton’s name, Jurassic Park was soon followed by other films, each generally more profitable than the other. Below are receipts for each composing at the international box office.
“Jurassic Park” (1993): $1.09 billion
“The Lost World: Jurassic Park” (1997): $618 million
“Jurassic Park III” (2001): $368.78 million
“Jurassic World” (2015): $1.67 billion
“Jurassic World: The Fallen Kingdom” (2018): $1.31 billion
Total: $5.12 billion
“Jurassic World: Domination” launches in theaters June 10.
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domain: artistic


The IBM Way On Analytics
IBM analytic services size up HR data from multiple sources to predict employee satisfaction and retention. Warning: Consulting is required.
Amazon Cloud Pricing Threatens Tech Titans
Amazon Web Services is on track to be a $24 billion annual infrastructure-as-a-service supplier within a decade, Morgan Stanley says. That's bad news for Red Hat, Oracle, SAP, Microsoft, IBM and Brocade.
Amazon's Vision For Single Sign-On
Amazon Web Services urges developers to use its single sign-on option, which would let Amazon, Facebook and Google users log in once for access to all three services.
Big Data ROI Still Tough To Measure
Business leaders believe in big data's potential but are frustrated by lengthy projects and complicated tools, according to IDG/Kapow study.
CFOs Join CMOs In Tech Power Grab
Like CMOs, CFOs increasingly shape technology selections, Oracle-Accenture study finds. CIOs must look past the threat and find opportunities to collaborate.
CloudCheckr Monitors Amazon GovCloud
Amazon cloud performance monitoring system goes a step further than competitors with specialized version that complies with federal security regulations.
Dropbox Adopts Single Sign-On Technology
Dropbox says any off-the-shelf or homegrown identity management system that's compatible with the Security Assertion Markup Language (SAML) standard can be configured to automatically sign users into its service.
VMware's Hybrid Cloud: Not Amazon's Model
VMware's Hybrid Cloud Service, detailed Tuesday, has important differences compared to Amazon Web Services. Customers will have to weigh the partner model and pricing.
VMware Reveals Hybrid Cloud Details
VMware says its hybrid cloud service will offer a "seamless extension" of customers' virtualized on-premises data centers. In a surprise, VMware undercuts Google on price.
Tale Of 2 ServiceNow Users: Problem Solvers
ServiceNow users share their experience with the SaaS offering. One uses IT service management for compliance and IT automation; the other has moved beyond IT into business services.
SAP Gives ERP A Facelift
SAP CEO says beautiful, consumer-grade look and feel is top priority for Fiori, SAP's new collection of 25 HTML5 applications.


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Seattle Mariners - All Star Tie Dye T-ShirtSKU: 36801 Regular price $16.94 In-stock. Ships within 24 hours!
Check out this great Seattle Mariners All Star Tie Dye T-Shirt. This Seattle Mariners All Star Tie Dye comes in shades of blue and has the team logo on the front. This garment is hand dyed. All imperfections and irregularities are strictly intentional to make it as unique as the person who wears it.

domain: design


As automakers and suppliers eye the potential of fully connected cities, the hard realities of rolling out those technologies are quickly becoming apparent.
One case study of the challenges of creating smart infrastructure: traffic lights.
Across the U.S., metropolitan areas have designed traffic control systems in fragmented ways, using different technological approaches. But getting traffic lights to work in a way that smooths traffic patterns could ease congestion, lower fuel consumption and ease the transition to self-driving fleets.
"If all the vehicles knew what all the traffic lights did, our best guess is the human carbon production would go down about 200 billion tons per year," said Matt Ginsberg, CEO of Connected Signals, a data-processing company that has worked with BMW and is in talks with other carmakers.
But before that is possible, traffic lights and vehicles need to learn to talk to each other.
"The biggest challenge so far is cities are not yet consistent about the means of communication for [traffic light] information," said Zach Bolton, a project manager for Continental. "It's all over the map."
Continental is developing in-vehicle technology that can read traffic signal information and, eventually, incorporate that information into the vehicles' powertrain and braking systems to enable potential fuel efficiency gains.
While the proposed federal mandate for vehicle-to-vehicle communication establishes the radio-based dedicated short-range communications, or DSRC, as a common language, no such requirement exists for vehicle-to-infrastructure technology.
This leaves cities two options: Replace legacy lights with costly, but industry-preferred, DSRC-enabled ones, or connect existing lights to a central data hub to transmit information over an Internet-based connection. Continental chooses to sidestep this by enabling both communications technologies for its system.


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Lux Mundi decided to end the year with the announcement of their newly designed web page, following the series of changes they have already done, like the new logo and the new sports uniforms. The new webpage has a more modern look and provides more information about the school. The old design only had access to Aula Virtual, XAS, the mail, and the forum of the school, along with a way to contact them. For someone who is not part of the school, there wasn’t much to see. The new design is more interactive and shows more of the school, rather than just the contact information. Now there are testimonies of graduates and parents about their experiences at the school, pictures of the installations, and extracurricular activities the school has.
It’s very helpful for the parents to know what happens every day and the upcoming activities the school has planned out. Also, newcomers might find it a lot easier to navigate through this new platform rather than the one we had before. It came as a complete shock to the students and some of the staff when this project was launched, but it was definitely a move in the right direction. The school was looking for a way to branch themselves out and seem like a modern establishment. In popular opinion, it looks like they made it and everyone’s pleased with the new design.
By Lucia Tellado & Marie Anne de León

domain: news


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I designed this Oceanography lapbook last November and recently my ten year old son and nine year old daughter completed it together as part of our unit study on oceans. You can preview and download the templates for this lapbook HERE. The download includes a list of recommended books and useful links and diagrams to help complete this lapbook.
This lapbook is made using three sheets of A3 card and it folds in on itself until it closes as A4. Here is how it unfolds.
As with most of our unit studies we always like to include as many Islamic elements as possible and this lapbook begins a Qur’an verse (ayah) in thankfulness to Allah for the blessings of the ocean.
We looked at the ayah and read over the tafsir (commentary) before writing down some of the provisions Allah has provided for us from the oceans.
This is a small fact flap about each of the 5 oceans
In this flap Samira labelled the 5 ocean basins. We used our Continents & Oceans Lapbook to remind ourselves where each of the ocean basins are on the map.
In this flap book, Yusef wrote down definitions for each of the studies of the ocean.
Both Yusef and Samira completed this tab fact book including facts they found interesting about each of the oceans.
These are two fold out books that look at the depths of the oceans and the ocean zones that reach from the surface down to the ocean floor.
In this accordion fold Samira researched the average depth of each of the 5 oceans and then glued down the labels onto the diagram.
In this fold out flap book on the ocean zones Samira coloured each of the zones to show the level of darkness increasing as the ocean gets deeper.
She then glued down the pictures of the different animals found in each of the zones before writing details about each of the zones on the flaps.
This is a flap detailing how the colour spectrum reverses under water.
We included the ayah from Surat An-Noor in which Allah likens disbelief to the levels of darkness in the ocean “darkness on top of darkness”. Yusef then completed the graph showing the depths at which the colours are absorbed by the water and begin to disappear. You will find the details for these graphs as well as useful links on this topic included in the file information when you download the templates for this lapbook.
In this flap Samira explained about the Ocean Food Pyramid and we learned that all ocean life is dependant upon the smallest creatures and plants: phytoplankton and zoo plankton.
When the flap opens up, the inside top of the flap contains the explanation and glued to the bottom flap is a flattened pyramid.
The pyramid can stand up in 3D.
On this sheet showing the world continents, Samira drew on the direct of warm and cold currents and gyres.
In this shutter book Yusef wrote the definitions of current and gyre.
He also wrote about the Conveyer Belt current: The constant rise and fall of warm and cold water currents as they pass through the ocean basins of the world.
This is a large ‘not-to-scale’ diagram detailing the features of the ocean floor.
In this flap Yusef labelled the features of the ocean floor on the diagram before writing definitions for four of the major features.
In this flap book he wrote about how ocean trenches and ridges are formed.
He then drew diagrams of each formation with further explanation for each.
In this flap Yusef wrote about how Volcanic Islands are formed. He was familiar with this and also with the subject of the formation of hydrothermal vents (black smokers) after previously looking at these features in his Volcanoes & Earthquakes Lapbook.
Samira labelled this diagram showing how hydro thermal vents form.
She then wrote a little about some of the forms of life that can survive in these scalding waters.
In this flap Samira labelled a diagram showing the features that result from coastal erosion.
She also wrote briefly about why the sea is salty.
In this flapbook Samira wrote about waves and tides.
She labelled this diagram which explains how waves form and move.
She then drew diagrams to explain how the moon’s gravity contributes to the changing of the tides.
We discussed the fishing industry which led us to the ayah in the Qur’an in which Allah tells us He provides from the ocean ‘tender meat’ (fish) for us to eat and ornaments (corals and pearls) for adornment.
In this final tab book Yusef and Samira learned about the need for fossil fuels, We referred back to Yusef’s Fossilisation Flapbook to remind ourselves how fossils are formed before looking at the how the different fossil fuels are made and how the are extracted and used.
If you like this lapbook why not check out some of the other lapbooks and activities available under our Ocean’s Section.

domain: library


Global Pump Casing Materials Market presents an in-depth review and technical research, with useful facts and figures, of the current and future state of the Pump Casing Materials market worldwide. Pump Casing Materials market provides information on emerging market opportunities and business factors, developments and evolving technologies that will fuel these growth trends. The report provides...
Automotive adhesives have a widespread application in the vehicle right from a micro sensor to huge vehicle chassis. Adhesives are primarily used for bonding applications apart from providing strong impact, heat and corrosion resistance. Adhesives are applied to the exterior and interior of the vehicle body. Global automotive adhesives are gaining prominence owing to increasing automotive production across the globe. The global Automotive adhesives Market is expected to foray ahead with a higher single digit CAGR over the forecast period of 2019-2029. Activeness of key players in the market is identified as the recent trend that is pushing the global market.
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Stringent regulations regarding volatile organic compounds (VOCs) has led the platform for water-based adhesives that are eco-friendly in nature. Key players including Bostik, 3M etc. are advancing towards water-based adhesives for automotive application. Furthermore, Henkel in 2018 has started a huge innovation center for adhesive technologies. Also, in 2017, H.B.Fuller have completed the acquisition of Royal Adhesives and Sealants for bringing high-end materials. Therefore, such initiatives by the key players tend to increase the sense of competition amongst key players, which in turn drives the global automotive adhesives market growth over the forecast period. Moreover, increasing demand for lightweight and low carbon emitting vehicles coupled with technological innovations are some of the factors providing traction to the automotive adhesives market growth.
Increasing automotive production is poised to drive market growth over the forecast period
Increasing automotive production across the globe leverages wide avenues for automotive adhesive. The major interior application areas are headliners, door panels, flooring, pillar assemblies etc. while trims, roof linings, headlamp & roof module bonding, spoilers & components etc. are the major exterior application areas of adhesives. As per OICA (International Organization of Motor Vehicle Manufacturers), Paris, the total cars and commercial vehicle production in 2016 was recorded to be around 72.1 million that further escalated up to 73.4 million in 2017. Also, Asia Pacific is a key region considering automotive production. Thus, increasing automotive production consequently calls for adhesives that in turn drives the global automotive adhesives market.
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East Asia is expected to contribute to the majority of the market share in 2018 in terms of value owing to high adoption of automotive adhesives. Countries such as China, Japan and South Korea have high automotive production, which consequently calls for the adoption of automotive adhesives. Further, Europe is expected to follow East Asia in the global automotive adhesives market due to various factors such as high automotive production, presence of big automotive giants along with activeness of adhesive companies. South Asia is expected to show high growth rates due to increasing disposable income, increasing automotive production and positive government stance towards manufacturing. Initiatives such as “Make in India” tend to drive the manufacturing industries of the country that signifies growth in the automotive industry. China is one of the key emerging markets for automotive adhesives in the East Asia region. Moreover, Latin America accounted for a substantial market share in terms of automotive adhesives demand.
Key players of automotive adhesives Market
Prominent players in the global automotive adhesives market are Henkel AG & Company, Bostik SA, 3M Company, The Dow Chemical Company, PPG Industries, Inc. and others. The automotive adhesives market consists of well-diversified global and regional players with global vendors ruling the market.
The research report presents a comprehensive assessment of the automotive adhesives market and contains thoughtful insights, facts, historical data and statistically supported and industry-validated market data. It also contains projections using a suitable set of assumptions and methodologies. The Automotive adhesives market report provides analysis and information, according to market segments such as geographies, type and industry.
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The Teatro Museo in Dalí’s hometown Figueres is an absolute eye-catcher with its red walls, golden ornaments and giant dome surrounded by enormous eggs placed on the roof. Dalí wanted this museum to be a surrealist journey through his bizarre world, and definitely succeeded in that aim. One of the most remarkable aspects of this museum is that it was built around the old town’s theatre, below which Salvador Dalí himself is now buried. The museum houses the single largest and most diverse collection of works by the artist; not only paintings and drawings, but also three dimensional installations and collages, mechanical devices and even a marvelous collection of jewelry designed by Dalí. This museum is definitely the first place to go for Dalí-lovers.
A building that brilliantly reflects the surrealism of Dalí’s art through its shape, glasswork and winding stairs, this museum is a true tribute to Salvador Dalí. The 20,000 square feet of gallery space displays an incredible 96 oil paintings and other artworks, all with beautifully explained context. Sublimely absurd is Dalí and famous friend Luis Buñuel’s film “Un Chien Andalou” from 1929, a compilation of images the two dreamed about the night before shooting. Still shocking, this film will undoubtedly drive you to the “contemplation area” of the museum, where you can clear your head in the white walled room with one window. First and foremost, this museum is outstandingly sharp and clever, just like you imagine Salvador Dalí to have been.
Not many people have heard about the Ralli Museum in Caesaria, but this hidden gem houses the most amazing collection of Salvador Dalí sculptures. Close to Haifa, this museum is one of five Ralli Museums in the world, an architectural feat with large windows and gorgeous courtyards, and is located in the center of a 40-hectare garden lush with citrus and olive trees. It’s a place of tranquility and peace, perfect to quietly admire the great works of mostly contemporary Latin American artists, but also artists such as Rodin and, of course, Dalí. As the latter is mostly known for his surreal paintings and drawings, this museum focuses on the often forgotten dimension of his artistry: Dalí’s beautiful bronze statues and sculptures make you forget time and place.
Whenever you find yourself on a city trip in beautiful Bruges, don’t forget to pay this permanent exhibition on Salvador Dalí a visit. Located in the city’s most prestigious building, the Belfry, this permanent exhibition is truly an experience you won’t easily find in other museums; an audiovisual spectacle with sensational and dramatic décor, it represents not only Dalí’s work but the man’s character and vision of life as well. A fantastic collection of graphic works, sculptures, aquarelles and drawings are to be marvelled at while bathing in the golden and pink light. An unforgettable experience.
In the heart of Paris’ quartier d’artistes, Montmartre, is the small but excellently designed L’Espace Dalí with France’s only permanent exhibition dedicated solely to Salvador Dalí. It offers a unique collection which makes you fully comprehend just how extravagant and exorbitant Dalí really was, and how emblematic his works were for Surrealism. His erotic, dreamy or outright hilarious drawings, theatrical sculptures, extraordinary lithographies and many of his most famous paintings provide a superb insight into Dalí’s remarkably bizarre brain. A highlight of this museum is the platform for young artists inspired by Salvador Dalí to exhibit their artwork as well.
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Los Angeles is a city known for its picturesque landscapes and breathtaking views, making it the perfect backdrop for your outdoor professional headshots.
Whether you need a LinkedIn profile picture or to showcase your personal brand, we’ve compiled a list of the best locations for outdoor professional headshots in Los Angeles that are ideal for capturing stunning shots.
1. Griffith Observatory
Offering panoramic views of the iconic Hollywood Sign and downtown Los Angeles skyline, the Griffith Observatory provides a stunning backdrop for your professional headshots.
The Observatory is surrounded by lush greenery and unique architecture that can add a touch of elegance and sophistication to your photos.
2. Santa Monica Pier
The Santa Monica Pier is an excellent location for capturing vibrant and dynamic outdoor professional headshots. The beach, pier, and amusement park provide a variety of backdrops for your photos, while the natural sunlight will help illuminate your best features.
3. Venice Canals
The Venice Canals offer a unique and serene setting for your professional headshots. The picturesque canals, charming bridges, and colorful houses create a dreamy ambiance that is perfect for business headshots.
4. Los Angeles County Museum of Art (LACMA)
LACMA is home to the famous Urban Light installation, which features 202 restored street lamps. The installation provides a modern and artistic backdrop for your professional headshots, allowing you to stand out from the crowd.
5. Pasadena City Hall
The historic Pasadena City Hall offers a beautiful location for professional headshots, with its stunning architecture, fountains, and lush gardens. The elegant setting is perfect for corporate photography and making a strong first impression.
6. El Matador State Beach
For those who prefer a more natural setting, El Matador State Beach provides a breathtaking ocean backdrop, with dramatic cliffs and rock formations.
This location is perfect for capturing a relaxed and approachable professional image.
By choosing the perfect location and preparing well, you’ll be sure to make a lasting impression with your stunning Los Angeles headshots.
7. Walt Disney Concert Hall
The Walt Disney Concert Hall is again one of the best outdoor photoshoot locations here in Los Angeles County Museum.
Set against the backdrop of the Walt Disney Concert Hall’s striking stainless steel curves and modern architecture, this location in Los Angeles offers a captivating setting for outdoor professional headshots.
Its unique angles and reflective surfaces add a touch of sophistication and creativity to your photos.
8. Los Angeles County Arboretum
This is one of the cool photoshoot locations in los angeles where you can click instagram worthy places and I would say it is one of the perfect photoshoot location for Outdoor Professional Headshots in Los Angeles.
Within the Los Angeles County Arboretum, your outdoor professional headshots gain a distinctive charm. Surrounded by lush greenery and serene gardens, this setting offers captivating backdrops.
Its natural elements and picturesque landscapes make it a top choice for outdoor headshots in Los Angeles.
9. Venice Beach
Amidst the lively ambiance of Venice Beach, a popular destination, your outdoor professional headshots gain a dynamic charm.
Surrounded by the bustling boardwalk, oceanfront views, and vibrant street culture, this setting offers captivating backdrops. Its eclectic mix of elements and lively character make it a top choice for outdoor headshots in Los Angeles.
If you are based in Miami instead of Los Angles, you can take at some of the best locations for outdoor professional headshots in Miami.
Frequently asked questions
How much do headshots cost Los Angeles?
Headshot costs in Los Angeles can vary, with prices typically ranging from $200 to $600 for a professional session. Factors such as photographer experience, location, and package inclusions can affect the final cost.
Should headshots be taken outside?
Outdoor headshots can be beneficial as they provide natural lighting and interesting backdrops, showcasing your personality and creating a unique image. However, indoor headshots are also effective, particularly for formal or corporate settings.
The choice ultimately depends on your personal preference and desired image style.
Should headshots be indoor or outdoor?
The choice between indoor and outdoor headshots depends on your profession, personal preference, and the image you want to convey.
Outdoor headshots offer natural lighting and diverse backgrounds, while indoor headshots often have a more controlled and professional appearance.
What does a good professional headshot look like?
A good professional headshot should have a clear focus on the subject’s face, with a neutral or slightly blurred background. The lighting should be flattering, and the subject should be dressed appropriately for their profession.
Natural expressions and poses are key to creating a genuine, approachable image.
About the author
With years of experience building artificial intelligence startups, coupled with a passion for photography, Julian has made it his mission to streamline the process of getting the perfect headshot.
Get your AI headshots in minutes, it's quick and easy.
See for yourself how our AI technology can transform your casual photos into professional headshots that are perfect for LinkedIn, resumes, and other professional materials.

domain: geography


text:
Our most popular New Hampshire cities include:
Don’t See Your City Listed? Don’t Worry! CALL NOW to Find an Emergency Dentist Near You!!
Walk in Dentist New Hampshire
Welcome to Emergency Dentists USA, New Hampshire. If you can’t already tell this was a page designed by us specifically for our visitors with dental emergencies hailing from New Hampshire. So, if you are in a dire dental situation and need to find help quickly then we can do that for you. One thing that we are very proud of is our emergency dental practice
database. We have been praised for our ability to help those in bad situation find an urgent care clinic in a very efficient manner. While our database is very large we are only dealing with New Hampshire on this page so everything found here is relating to folks who live there.
First things first though, there are a few things that we need to cover before we spill the beans on where you can find the nearest emergency dentist.
New Hampshire’s Oral Care
New Hampshire is known for a lot of things.
- Maple Syrup
- Granite Rock
- The beautiful color the leaves turn!
But one thing that we bet you didn’t know is that your state is an oral care powerhouse. They literally exceed the national average (by a lot) in some of the most major oral health categories. Take a look below:
- Percentage of adults who have visited a dentist in New Hampshire in the past year, 76.7% (National Average- 69.7%)
- Percentage of adults who have had their teeth cleaned in New Hampshire in the past year, 76.9% (National Average- 68.5%)
- Percentage of children who have no dental problems in New Hampshire, 74.3% (National Average- 73.3%)
(Statistics found at statehealthfacts.org.)
Your Affairs Need To Be In Order
“Having dental insurance can make desirable treatment options more affordable. It can mean the difference between saving the tooth versus the usually cheaper alternative, extraction. Since each office has its own policies and each insurance plan is different, it is best to have these discussions prior to receiving treatment. The last thing you want to happen is to find out your insurance plan won’t pay anything after an emergency visit. Avoid the nasty surprise – take time to discuss insurance when making the appointment.”
A big part of our job on this site is to help you figure out how to care for your emergency in the most efficient manner possible. This usually means that the biggest thing we need to do is find a dental clinic that is willing to take on your dental complication. However, one thing we learned is that doing all that work for you won’t matter if you are entirely unprepared to visit the dentist.
Oh, and we aren’t talking about doing something like flossing and brushing your teeth. What we really want to cover here are the financial affairs that you need to have in order before you even think about stepping into the dentists office. There is nothing worse then getting a severe dental complication and going to the dentist only to get slapped with a huge bill.
Talk about adding insult to injury.
So, how do you ensure that this does not happen to you? Well, our answer is to make sure you have dental insurance so price won’t really be an issue. Luckily, New Hampshire has some great dental insurance plans. Of course, what you probably really want to know is how much these plans will cost you. We did some research for you to find out.
- Plans in New Hampshire range from anywhere between $14.61 to $28.34 per month.
- When we averaged all the plans in New Hampshire together we got a total of $20.72 per month
(Our research was done utilizing EHealthInsurance.)
New Hampshire Emergency Dentists By City
We are just going to cut right to the chase here. We have done all the research for you already. We have figured out which dental clinics are
- Open 24 Hours A Day (or have late night hours.)
- Open 365 Days A Year
- Open On Holidays
- Willing To Take On Your Dental Emergency
This means that all you have to do is locate your city or a city close by to find a dentist that is the right fit for you. Good luck!

domain: health


Larger Quantities, Lower Prices
- Bulk Pricing:
- Buy in bulk and save
- Buy 6 - 10 and get 30% off
- Buy 11 - 25 and get 40% off
- Buy 26 - 50 and get 50% off
- Buy 51 - 99 and get 65% off
- Buy 100 - 500 and get 80% off
- Buy 501 - 30000 and get 90% off
- This plant cannot be shipped to:
- IL, IN, MA, RI
- Latin Name- Sagittaria Latifolia Hardy Zone- 5-10 Mature Height- 1-4ft Width- 60cm-2ft Sun Or Shade- Full Sun
Below are the available bulk discount rates for each individual item when you purchase a certain amount
Here's how your plants will look on arrival. All plants are dormant with no leaves or foliage.
Arrowhead Plant - Sagittaria latifolia
This plant can not be shipped to IL, IN, MA, RI
Arrowhead - Syngonium podophyllum
The Arrowhead is a plant that is grown as a houseplant because it is only hardily grown in zones 10 through 12.
It starts as a small, relatively contained plant, with short, arrow-shaped leaves. But, as it matures, its leaves will grow and lobe, becoming 12 inches long, with vines that creep to several feet long. On average, healthy arrowheads can have vines around 3 feet long, but it’s possible to see them grow as long as 10 feet as well.
Arrowhead plants require rich and well-drained soil. They need to be water thoroughly but also allowed to dry between watering times slightly. The arrowhead thrives best when placed in an area with bright but indirect sunlight, with temperatures around 70 to 75 degrees Fahrenheit. Keeping the Arrowhead growing in an area above 60 degrees Fahrenheit is essential. It is recommended that Arrowheads are held in the regions that are provided a little bit of humidity so that their leaves do not wilt or dry out, as this can cause damage.
Arrowheads do not have blooming flowers, but instead, their beauty comes from the way their leaves and vines grow and shape.
While the Arrowhead plant is a relatively easy plant to care for, it does require some attention aside from just watering it. The Arrowhead’s leaves can be toxic if ingested. This means that, especially if animals or small children who would come into contact with the plant are around, it may be best to prune and cut the growing vines to keep them from becoming so unruly that a child or pet could easily have access to the toxic leaves.
A healthy Arrowhead plant, when planted with a moss stick to allow it to grow up properly, will often reach a height on average of 6 feet, with a 2-foot widespread.
The Broadleaf Arrowhead, also known as Duck Potato, Indian Potato, and Wapato, has a tuber eaten by native Americans. It grows in colonies near water. It has thin, white roots. Wedge-shaped leaves on this plant are edible to ducks and geese and other type wildlife. Blooms white in summer and has purple stalks in fall.


text:
Daily Journal staff reports
For the past month, workers have removed and replaced wood, revamping a window on the north side of the Johnson County courthouse.
Now, the restored window that covers part of the clock and bells in the county courthouse is being installed today.
The project restored the window to its historic look.
Workers from Indiana Stained Glass took out the historical window and reframed it. Piece by piece, workers removed the historical glass to keep it intact and build new wood around it. Indiana Stained Glass was paid $13,000 for the month-long job.


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Tuesday crime log
Published 7:00 pm, Monday, February 20, 2006
The following list includes reports from the Midland County Sheriff's Office and the Midland Police Department.
Monday, Feb. 20
7:41 a.m. Tools, valued at $5,400, were embezzled from a Lincoln Township business.
8:03 a.m. Coleman Police were sent to the Coleman library after children were seen throwing rocks at it.
11:18 a.m. A woman reported her wallet was stolen from her purse when she spent the night at a friends Homer Township home.
9:30 p.m. Deputies responded to an assault that occurred in Homer Township between a Hemlock woman and an Edenville Township woman, both age 20. The victim suffered minor injuries.
9:30 p.m. A Homer Township man, 22, was arrested on a warrant.
11:24 p.m. A Gladwin woman, 46, was arrested in Edenville Township for driving while her license was suspended.
Sunday, Feb. 19
1:23 a.m. A deputy was sent to Lee Township after a vehicle was seen driving in the area without the headlights on. The vehicle was not located.
1:37 a.m. A Beaverton man, 18, was arrested for drunken driving after a deputy was sent to Warren Township when a vehicle was seen in a ditch.
2:30 a.m. A purse, driver license and cell phone, total value of $300, were stolen from a Ford while it was parked at a Lancaster Street home.
9:53 a.m. A 27-year-old man reported his vehicle was stolen from the driveway of his South Meridian Road home.
11 a.m. Vehicle parts, a coat and other items, total value of $2,470, were stolen from a Chevrolet while it was parked at a North Walter Court home.
Saturday, Feb. 18
1:46 a.m. A Midland man, 21, was arrested for driving while his license was suspended and for leaving the scene of an accident that resulted in injury after a Lee Township crash.
7:59 a.m. A Flint man, 21, was arrested in Lee Township for driving while his license was suspended.
3:02 p.m. Michigan State Police responded to an incident in which gasoline was stolen from a Lee Township gas station.
4:01 p.m. A vehicle sustained $1,000 damage while it was parked in the Sturgeon Woods subdivision.
8:12 p.m. A Lincoln Township man, 26, was arrested at his home for domestic violence.
Friday, Feb. 17
9:55 p.m. A Midland man, 33, was arrested in Lee Township for driving while his license was suspended.
10:15 p.m. A Midland woman, 29, was arrested in Midland for driving while her license was suspended.
10:41 p.m. A Midland woman, 18, was arrested in Lee Township for driving while her license was suspended and on a warrant.
Thursday, Feb. 16
4:27 p.m. Deputies are investigating a referral from the Department of Human Services that a Coleman girl, 14, has had intercourse with her stepbrother, age 25.


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Since his earliest days on the Milan runway, Marco de Vincenzo has distinguished himself by his use of embellishments. He has a fine eye for the way color, pattern, and texture can highlight and accentuate a woman’s body. Up until now he’s taken inspiration, when it was obvious at all, from his base in Rome, but a recent trip to Japan inspired today’s exploration of Eastern motifs. The red disc of Japan’s flag appeared on a couple of tops, and Mt. Fuji featured on one or two others. De Vincenzo used silken kimono fabrics for a handful of coats that did a nice job of straddling the day-night divide.
Owing to his decorative tendencies, De Vincenzo’s eveningwear has received the lion’s share of the press’s attention. Picking up where his Fall collection left off, he made a strong effort here to broaden his before-dark offerings. A fanciful kind of girl will appreciate the outfit that combined an over-printed silver leather jean jacket, a rainbow-striped collared shirt, and a lavender pencil skirt in a squiggle motif that was echoed on the metal heels of strappy sandals. De Vincenzo was fairly brazen about mismatching patterns here, and it totally paid off.
It was with some of the eveningwear that he stumbled. A wisp of a dress with a single breast in ruffle-swathed optic lace probably shouldn’t have made it out of the atelier. The underwire detailing on other dresses proved almost as distracting. Elsewhere though, the tinkering paid off. Chiffon shredded like confetti read like fur from a distance; in the hand it was almost preternaturally light. In a bid for the minimalists in the room, De Vincenzo showed midi-length gilets and flared pants in the fabric, in monochrome black and white, but it was a true marvel on a coat that shaded from black at the shoulders through white, red, and blue to a deep yellow band at the hem.


Thanks for your contribution, you made really great points!
All development these days is done in steps, and they do too. R Business web app started simple and they kept adding features in time.
I think there’s use cases for both mobile and desktop. One is not better than the other, it is simply more adapt to a certain context. And you can get a job done either way, it’s just a matter of being very specific. Take Binance for example. It does a great job of allowing users manage their portfolio both on mobile and web/desktop (which is just an electron wrapper). So you can be successful on both, but none is enough to cover the use cases of the modern user.
I’d like to know more about it. As far as I understand, users just make use of alternative platforms depending on the context. So if you give them a mobile app they will use it when they are off their desks of course. Which doesn’t mean they are moving to mobile. They are simply being smart with the tools they have in context they are. As I said, no single platform can replace another, unless you are able to enclose the full feature set of the other platform with the first one.
That’s correct, but not new at all. Revolut Business already works on the web. Additionally, I’d say that no matter what client you are considering, they all need to communicate to Revout server/cloud anyway. So that wouldn’t lessen the worry about security anyway. A web client is just another client, and there’s an abundance of experts in the field.
Have no experience with Bunq, but I’d be happy to start with the very basics of account management. There’s already an API in place the ability of third parties to build custom Revolut clients with modern stacks based on React or Angular is demonstrated by the projects open sourced on github. Once you have an API in place, yes it’s still a lot of work to provide a performant client, but it’s not A LOT OF WORK. Revolut has been successful so far with the Business branch and porting features to the mobile platform as soon as possible. I don’t see the STRUGGLE (but I’m not saying it’s not challenging either).
It may be. But I don’t get the need for a native desktop client, considering we are talking about a network-heavy application. There would little speed benefit if any. And it would be kind of expensive to maintain a performant app for each platform, unless you go Java, but that’s not native anyway.
Again, I appreciated the contribution, it’s good food for thoughts


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Let’s Bring Back Porridge – UPDATED
Yep. I said it. Porridge. It doesn’t generally conjure up the most appetizing image, does it? Thick, lumpy, tasteless. Or is it?
A couple of months ago I went to a local co-op and on a whim, I bought some steel-cut oats, kasha (toasted buckwheat), and spelt berries. That night I went home, perused some internet recipes, and decided that I definitely wanted to make overnight steel cut oats. I had a big crockpot. I had some whole grains. I had water. And raisins and apples and brown sugar and cinnamon. So I experimented.
And boy oh boy was I happy I did.
Friends, slow-cooked grain porridge is like AMAZING. Super amazing. And ridiculously easy. I made mine at like 11:30 at night and when I woke up the next morning – there it was. Hot, thick, creamy, and smelling like heaven porridge.
I have since made this porridge about six times. I’m the only one who generally eats it in our house, so the big crockpot takes up residence in the bottom of the fridge for a while. It just needs a quick zap in the morning in the microwave with a little maple syrup and milk. Like I said – heaven.
You can use just about any kind of whole grain in this recipe. I’ve used millet, kasha, wheat berries, and wheat bulgur in addition to steel-cut oats, kasha, and spelt berries. You can add oat or wheat bran, but I feel that this just makes it a little too mushy and bland for my taste. I always use a cup of steel-cut oats and then a cup or a cup and half of other grains. I like a mix of whole, uncut grains like spelt berries with smaller grains like millet.
I like to add fruit, too, for a little added sweetness. You can use fresh or dried fruit. My favorite combination is raisins with fresh apples.
As the title states, you have to start this the night before it you want breakfast the next morning. This does make a pretty thick porridge. If you like yours thinner, use less grain and/or more liquid. Or just don’t cook it as long. Soaking the grains beforehand softens them and can help make them more digestible.
2-2 1/2 cups whole grains, at least 1 cup steel-cut oats
at least 8 cups water, milk, or a mixture of both
1/2-1 cup raisins (optional)
2 apples, chopped, skin-on
a couple teaspoons ground cinnamon or other sweet spices
In a large crockpot, mix all dry ingredients, including fruit, then add water and/or milk. Set crock pot to low and cook 6-8 hours or overnight.
In the morning, stir thoroughly to reincorporate apples (which will have floated to the top).
Add 1/2 to 1 cup brown sugar at this time if you like. If there are some crusty brown bits stuck to the sides, your crock pot got too hot there and just don’t eat it and (unless you want to) and your porridge will be fine.
Store leftovers covered in the fridge and reheat in the microwave. Add milk and/or syrup or sugar as desired. If reheating on the stovetop, add milk or water to prevent scorching.
Other possible additions:
- chopped dried apricots and ground ginger and almonds
- chopped plums and cinnamon
- chopped figs with honey
- dried cranberries with toasted walnuts
And that’s it! The possibilities are endless. I do love the bite of whole grain berries. And in the morning there’s nothing like a toasty warm bowl of cooked porridge with a little sweetened milk. It’s filling, nutritious, and very tasty. Did I mention easy?
I missed a day last week – I’d finished a batch and was too tired to make another batch for the next morning. I had cold cereal instead. It was okay (I used to adore cold cereal), but by 10 am my stomach was growling and by 11:30 I was starving. With the porridge I definitely get hungry, but generally not until noon or later. So if you’re the kind of person who has to work early and/or can’t have lunch until late, something filling like porridge would definitely cure those mid-morning munchies.
Does anyone else like porridge as much as me? Now that I know the joys, I’m more and more tempted to try cornmeal porridge, straight millet, and more savory stuff like kasha with cabbage or like Michelle’s mujadara (it’s in the comments).
What are some of your favorite whole grain recipes?
I’ve figured out my favorite grain combination! Steel-cut oats, spelt berries, kamut berries, amaranth, and millet with apples, raisins, and a cinnamon stick. I also found a recipe on the back of a bag of coarse corn meal (i.e. polenta) that sounds amazing, so I’m going to try that next. And as you can see from the comments below, Michelle has become an overnight porridge convert. Who’s next?
And, just because I love porridge-y/pudding-y things, here’s a bonus recipe:
Cold Creamed Rice with Honey-Poached Pears
I made this after having leftover white rice from making rice & beans and some pears that needed using. The combination of cold, creamy rice with the hot, sweet pear sauce is heavenly.
cold cooked white rice
cold heavy cream
any kind of very ripe (but not overripe) pear, chopped
dried cranberries (optional)
Mix rice and a little cold heavy cream until creamy but still thick. Chill. In a small saucepan, combine a few chopped ripe pears with a good drizzle of honey and some dried cranberries. Cook over low heat until pears are soft. Spoon hot pear sauce over cold creamed rice and serve immediately as a fantastically delicious dessert.

domain: food


text:
Influenza exposure is inevitable: Help prevent the flu and support health.
Equine Influenza Virus (EIV) is an extremely contagious disease of horses and it is considered to be one of the most important viral respiratory pathogens of equines. Unlike Human Influenza which has a seasonal risk, Equine Influenza does not, so it is important to make sure your horse is vaccinated yearly as well as before it is an increased risk for exposure to the virus. Working with your Veterinarian to determine the optimum vaccination schedule will help to protect your horse year round against Equine Influenza.
In fact, you likely already take measures to lower your horse’s risk of contracting the virus, but even half a football field away may still not be far enough to safely protect them from exposure. Dr. Kevin Hankins, DVM, MBA, Managing Equine Veterinarian at Zoetis shares that equine influenza is a preventable disease that primarily affects traveling horses as well as both young and older horses.
Equine influenza virus (EIV), commonly known as the flu, is highly contagious and capable of traveling 150 feet through the air.1 Meaning, your horse can be exposed to equine influenza across the distance of a football field—it is transmitted rapidly from horse to horse over long distances and can survive on hands, clothing, brushes, buckets, stall walls, feed troughs, trailers and more. Flu infects the respiratory tract, including the cilia, which keep debris out of horses’ lungs. When the cilia fail to keep bacteria from the airway, your horse is at risk of a secondary bacterial infection, making EIV even more devastating.
Any horse that travels is at risk of exposure to developing a fever, coughing and nasal discharge from equine influenza. An EIV infection can cause lengthy time off for the horse and this infectious disease can be life-threatening if left untreated.
Dr. Hankins importantly emphasizes, “It is essential for horse owners to learn how easily EIV is transmitted. It helps you understand the risks you’re taking if your horse isn’t vaccinated.”
Adult horses, in general, should be vaccinated annually against EIV, and those with increased exposure risks should be vaccinated every six months. Vaccination with Fluvac Innovator® provides protection against EIV, even with the many ways it can spread.
The Gluck Equine Research Center has performed research since 2018 showing Fluvac Innovator was successfully evaluated against 66 equine influenza virus strains isolated from 30 states, Canada and Europe.2-6 This commitment to monitoring and maintaining an immunologically current vaccine has made Fluvac Innovator the most trusted EIV vaccine available.7 Tested against current flu strains in the U.S., Fluvac Innovator is also backed by the Zoetis Equine Immunization Support Guarantee. Zoetis will support up to $5,000 for reasonable diagnostic and treatment costs if your horse is properly vaccinated by a veterinarian and contracts the corresponding equine disease.
For more information regarding the Zoetis Equine Immunization Support Guarantee, visit: https://www2.zoetisus.com/content/_assets/docs/Equine/Equine_ISG_certificate.pdf for more information.
Dr. Hankins advises horse owners to talk with their veterinarian about vaccinating against this common but costly disease. “Having the foresight now to take preventative steps is one of the wisest investments you can make today for your horse.”
[More like this: Is it flu season for horses, too?]
All trademarks are the property of Zoetis Services LLC or a related company or a licensor unless otherwise noted.
© 2022 Zoetis Services LLC. All rights reserved. FLU-00168

domain: medical


China Hydraulic Hose supplier, Metal Hose, High Pressure Hose Manufacturers/ Suppliers - Wuxi DRT Transmission Technolgoy Co., Ltd Wuxi DRT Transmission Technology Co., Ltd. is loed in China''s most economically developed Yangtze River Delta - Wuxi.
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Wire Braided Hydraulic Hose, Wire Spiral Hydraulic Hose, Oil Suction Hose Company Overview Guangzhou Furongfeng Rubber Co. Ltd, established in 2000, is an enterprise specialized in rubber hoses with a registered capital of 10 million and covering an area of 35, 000 square meters.
SAE 100R4 Suction and Return Hose Recommended for hydraulic suction and return lines. Helical wire prevents collapse under vacuum up to 25"/hg. Inner tube: Oil-resistant synthetic rubber SAE 100R4 Suction and Return Hose is recommended for low pressure or vacuum lines in hydraulic system service with petroleum and water-base fluids.
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This year has certainly been one for the record books, leaving many to speculate what 2021 may bring. Our top macroeconomic and investment thought leaders offer their views on the most important factors and themes across asset classes that may shape financial markets and the global economic landscape in the year ahead:
Macroeconomic Outlook: Post-Pandemic Boom?
A bevy of traditional macro-indicators point to better global economic growth for 2021. Some of these indicators include the lagged influence of falling bond yields, the cumulative effect of past policy stimulus measures, the low level of energy prices, and high household savings rates in China, the U.S., and Europe, which indicate pent-up purchasing power. Recoveries already have been stronger than expected, but economic policymakers in the developed world want to cushion any economic slippage caused by new social isolation measures and remain laser-focused on supporting a full recovery in employment.
The pandemic has triggered a major regime shift, which also plays to a stronger outlook, at least for the near term. For 40 years, the macro policy regime of the U.S. was to guard against the return of inflation, work toward fiscal balance, and keep monetary and fiscal policy separate. That regime is over for the time being. Paul Volcker put his stake in the ground nearly 40 years ago with his announcement that the Federal Reserve (Fed) would use the monetary aggregates to crush inflation. Fed Chair Jay Powell has put his own stake in the ground with the commitment to keep rates at zero until inflation rises above 2% and his encouragement to Congress that the risks of too little fiscal stimulus are much greater than too much. The vehicle for achieving the Fed’s goal of higher inflation will be coordinated fiscal spending. This new regime is a politician’s dream come true.
The only known-unknown standing in the way of this upbeat outlook is the COVID-19 virus and how governments and people react. However, promising vaccine developments significantly strengthen the case for a stronger-than-expected recovery for the year. China has already demonstrated this result. There, the authorities have effectively gained control of the epidemic as only China can through rigid compliance on social isolation measures and extensive testing. Within the Chinese economy, many sectors have rebounded back to normal while others are regaining momentum. So advanced is the progress that China’s monetary authorities already are throttling back stimulus. If the vaccines prove to be effective, the world recovery by the end of next year could be very surprising.
Global Fixed Income: The Year of Less Uncertainty, More Certainty
In determining where bond markets may head in 2021, there are three major developments to consider. First and right out of the gate is the remaining influence of COVID-19 on the global economy. The pandemic will impact economic activity through the first half of the year with a significant shift in the second half. However, this impact will not be linear across all economies. It also will be a case of “it’s darkest before the dawn,” as infection and mortality rates will remain elevated until the vaccine implementation program becomes more widespread. However, we need to consider what scenario is already being reflected in bond market sentiment. The Treasury market appears to be looking into 2021 when the vaccine will be readily available (see Chart 1). The prior two times when hospitalization rates were in the vicinity of 60,000 people there was a flight to safety bid in Treasuries. Not this time, despite the hospitalization rate being at 100,000 and likely to rise. This change signals the Treasury market is more forward looking and starting to discount 2021’s normalization, aided by the widespread distribution of the vaccines.
The second key factor to figuring out the glide path for global bond markets involves expanding the uncertainty analysis to also include “political and economic” uncertainty. This factor is more concentrated on the U.S. but has a global reach. In early January, we will learn the outcome of the run-off Senate election in the state of Georgia, which is critical to the U.S. political and economic agendas. When push comes to shove, we will see an orderly transition of power at the White House in mid-January. Unlike President Trump, President-elect Biden is not known to “weaponize” uncertainty, so we expect to see overall political volatility diminish in 2021 and beyond. If the Senate remains under Republican control as expected, there will be less “economic” uncertainty. Gridlock will reallocate power to the “problem solver” caucus, which is a group of centrist politicians.
The third factor involves the global monetary policy front, where we also expect to see less uncertainty due to two key influences. First, and more important, is that inflation should not be a significant issue in 2021, which will keep global monetary policy biased toward more accommodative polices. This expectation is drastically different from the post-Global Financial Crisis (GFC) experience when there was a collective rush to remove policy stimulus (see Chart 2). The use of “unorthodox” policies back then ignited a fear of monetary induced inflation. However, it never happened. Central bankers have since changed their tune on inflation coming into 2021 with a more welcoming attitude toward higher prices. Unlike in the past, they won’t fight it. If market rates were to spike higher, we would expect an increase in rhetoric on the potential use of yield curve manipulation, but we are not there yet.
What are the market implications of this “step function” lower in medical, political, economic, and monetary policy uncertainty? It means that bond market volatility will remain low, which will support the collective search for yield in 2021. Marry this development with a shortage of yield. There is now in excess of $17 trillion equivalent of negative-yielding nominal sovereign bonds. The bottom line is fixed income securities that offer a risk-adjusted yield relative to this giant pool of negative-yielding bonds will capture outsized capital flows. Yes, spreads have already narrowed across most non-sovereign credit, but there will be more room to go. However, we expect the primary beneficiary of these capital flows to be emerging market local currency bonds. On a real yield basis, they continue to look attractive outright and relative to developed market bonds (see Chart 3).
Global Currencies: U.S. Dollar Under Pressure
Since March 2020, the U.S. dollar has weakened against a broad set of currencies, both developed and emerging markets. In 2021, we believe the dollar will remain under pressure but will more likely weaken against currencies that stand to benefit from an improving global growth environment. As the world economy recovers from the pandemic-induced recession, emerging market currencies are poised to strengthen, particularly those that are commodity-linked, manufacturing-oriented, or export-driven, like the Brazilian real, Chilean peso, and Colombian peso. The broader medium-term prospects for the dollar will depend on three factors. One, the country’s large service sector faces a steep, lengthy recovery. Although the U.S. labor market recovery has been substantial since the spring, the rise in long-term unemployment in the service sector may mean that the economy will take longer to return to full potential, keeping the Fed highly accommodative, which would be dollar negative. Two, the Fed’s recent policy review has led to a greater focus on average inflation targeting—it intends to accommodate inflation overshoots if inflation has previously undershot its target. Given the persistence of low inflation in recent years, the Fed may maintain easier monetary policy than it has previously, undermining the dollar more structurally. Third, policymakers will need to confront the sharp deterioration of the U.S. fiscal deficit. Unless the government can identify growth-enhancing policies, it faces the prospects of significant fiscal tightening (growth and dollar negative) or fiscal monetization (Modern Monetary Theory and dollar negative).
Global Credit: A Cyclical Recovery
Given expectations for a vaccine and the tremendous policy responses at work, we see a very high likelihood of a cyclical recovery and further spread tightening in corporate credit due to stronger global GDP growth. The new adminstration in the U.S. could lead to increased corporate tax rates and regulations, which introduces some uncertainty. However, we believe the extensive monetary and fiscal support, including the potential for another U.S. fiscal stimulus package, would outweigh any economic constraints resulting from these potential regulatory headwinds.
Therefore, we remain constructive on risk assets, expressing that view through corporate credit markets. A major tailwind for corporate credit markets is the continued strong demand from foreign investors, which has allowed credit markets to issue at record amounts and enabled companies to lower the cost of capital and extend their maturity profiles. Our focus now is on the economic cycle as basic industries, capital goods, energy, and other cyclical sectors in both developed and emerging markets are still trading at spreads wide to historical levels. We favor those industries that have a more cyclical tilt, like autos and mining, which should see marked improvement as the economy rebounds from the lockdowns. As the global recovery progresses, demand resumes, manufacturing and exports tick higher, and the medical front draws nearer to resolving the COVID-19 pandemic, conditions are in place for a reflationary trade and substantial spread tightening in these more cyclical areas of the economy (see Charts 4 and 5).
Our team believes both the BBB and BB quality segments offer the best risk/return profile and should remain supported by monetary policy and the significant excess money supply currently in the system (see Chart 6). Also, we favor European high yield, which has more direct involvement from the central bank along with a lower predicted default rate in 2021 versus the U.S. market. Our energy exposure is split between foreign state-owned oil companies and recent fallen angels that hold some of the most sought-after assets in the U.S. Within the energy sector, we see the potential for continued supply contraction in the U.S. and a more normalized demand profile in 2021. We are generally avoiding both ends of the credit-quality spectrum, with high quality offering limited total return potential, and lower-quality bonds still susceptible to hiccups in the global economic recovery. However, if the global economy picks up steam, we would anticipate moving farther down the quality spectrum.
Lastly, while inflation is a risk that we continuously assess, we do not envision a significant back-up in yields in the near term. However, we likely will continue to reduce spread duration in positions that have reached or traded through fair value in favor of opportunities that include some of the following charactersitics:
- a shorter maturity
- an OAS that will compensate or cushion an investor for a back-up in the risk-free rate
- cyclical exposure
- commodity exposure
- non-US assets
- lower-quality assets
Structured Credit: Down the Credit Stack with a New Cycle
Structured credit price recovery has been mostly lagging that of corporate credit, especially lower in the capital stack. Looking forward, vaccine breakthroughs have reduced the tail risk in structured credit while accommodative global monetary and fiscal policies should boost the momentum of the economic recovery. With a new credit cycle in place, we think that a “down in credit” trade should provide attractive opportunities, including moving down in the capital stack and investing in senior tranches of lower-quality collaterals or newer off-the-run products.
- U.S. housing market: In 2021, we believe the housing market will remain firm with 3% to 5% appreciation, boosted by a shortage of housing supply, low mortgage rates, demographic trends, including millennials buying, and the structural shift from urban renting to suburban home ownership. Low-to-middle price tier homes will outperform as a result of younger cohort buyers favoring more affordable areas. Household balance sheets are in solid shape with higher savings rates, less leverage, and support from forbearance and stimulus programs.
- Agency RMBS: Fed purchases will continue to provide a supportive backdrop, but higher interest rate volatility and prepayment risks will increase the negative convexity. We would prefer non-agency residential mortgage-backed securities (RMBS) as we believe taking credit risk will be more rewarding than taking interest rate risk.
- Non-Agency RMBS: We like CRT (credit risk transfer), single-family rental, and re-performing loan/non-performing loan (RPL/NPL) securitizations for exposure to the housing recovery with measured borrower default risk.
- ABS: We see a shift down in quality across consumer asset-backed securities (ABS), preferring subprime BBB/BB auto ABS, auto lease ABS, and sectors that were hit hard by COVID, e.g., container lease, timeshare, whole-business securitization, etc.
- CMBS: We expect commercial real estate (CRE) prices to decline gradually, mostly in retail and hotel sectors. However, this trend should be much less severe than the 35% decline during the Global Financial Crisis (GFC) due to better underwriting, attractive cap rate spreads to Treasuries, and large amounts of private money waiting on the sidelines to buy distressed CRE properties. Absolute stress levels in commercial mortgage-backed securities (CMBS) will remain high in the near term. We prefer to stay up in quality (AAA through A) in conduit CMBS and single-asset/single-borrower CMBS. CRE collateralized loan obligations (CLO) offer good value due to less exposure to retail and hotel sectors.
- CLO: BBB/BB CLOs and middle market CLOs can benefit from an early credit cycle rotation.
- European RMBS: Spanish and U.K. RMBS mezzanine tranches provide attractive value given the ECB’s very accommodative stance. However, capital appreciation is key as carry is minimal due to the floater nature.
Equities: Catalysts for Value
The travails of value investing are well-known, as current valuation differentials between growth and value stocks resemble those of the 2000 tech bubble when it popped (see Chart 7). While value has underperformed across cap segments, small-cap value stocks have lagged significantly this year—and subsequently may offer attractive upside potential. In addition to pure valuation, there are several other catalysts for value, most notably the end of the pandemic. Tech companies, in particular, have seen above-trend growth, and the difficult year/year comparisons that are set up will be challenging as those companies progress through 2021. Financials look like a sector that should be a notable beneficiary of the end of the pandemic. Many banks currently trade at discounts to tangible book value and also are poised to release reserves as credit quality has stayed strong. Banks have generally built capital levels in 2020, setting up an environment for robust capital return to shareholders. While we do not believe higher rates are a necessary catalyst for bank stocks to outperform, historically the yield curve has steepened in economic recoveries. This potential uptick in rates would be an additional catalyst for the sector.
We see the same pattern around the world, including both developed and emerging markets, with enormous gaps in performance and valuation between favored and unfavored sectors. Should the fever break, there is the potential for very meaningful convergence.
Groupthink is bad, especially at investment management firms. Brandywine Global therefore takes special care to ensure our corporate culture and investment processes support the articulation of diverse viewpoints. This blog is no different. The opinions expressed by our bloggers may sometimes challenge active positioning within one or more of our strategies. Each blogger represents one market view amongst many expressed at Brandywine Global. Although individual opinions will differ, our investment process and macro outlook will remain driven by a team approach.


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