![]() ![]() We have moved into an environment of exceptionally low government bond yields and in many cases negative interest rates. The problem with most places outside Japan is the future is not going to look like the past. Japan: Bond performance in equity sell offs In the higher interest rate volatility environment, bonds on average rallied 3.7% when equities sold off 37%, but in the lower rate and volatility periods yields rallied on average only 0.5% while equities sold off 24%. The chart shows in a low volatility world the effectiveness of interest duration to hedge out equity volatility is substantially reduced. We have roughly divided them into periods of higher interest rate volatility (pre-2010) and lower interest rate volatility (post-2010). The following chart shows eight significant corrections in the Japanese equity market over the past 25 years. Rolling 30 day volatility of 5yr duration JGBs We believe the US and many developed markets will increasingly look like this over time. Volatility has been steadily declining as the absolute level of yields has remained low and the local central bank has continued to increase its ownership of the market. The chart below looks at the volatility of the Japanese Government Bond (JGB) market. This second approach has worked reasonably well for the last 20 years or so, but we believe it is highly unlikely to work as well over the next decade or longer. The second group are those that buy fixed income products because they believe these assets will perform well when there are corrections in their risk assets (mainly listed equities), helping to reduce their overall portfolio volatility. There are a range of products to choose from to target specific objectives and risk tolerance. The first group are those that invest in the products because they want some level of income, modest capital return and capital protection. ![]() ![]() Investors in fixed income products generally fall into two categories. Fixed income investors have been living in a certain world for a long time, but that reality has now changed and investors are facing a tough decision: continue as usual or accept the new normal and learn to navigate a changed landscape. This is a fitting analogy to the world of fixed income investing. Past strategies unlikely to work in future As we all know, Neo chooses the red pill and must face the harsh reality of the world. He is eventually given the opportunity to free himself by taking either a red pill, which will allow him to learn the truth, or a blue pill, which will allow him to stay in his current, computer-simulated reality. In the film The Matrix, the hero of the story, Neo, has been unwittingly living in a dreamworld his entire life. You can download the full original article “Red pill or blue pill? Navigating the matrix of fixed income” here. This article has been modified for Firstlinks. ![]()
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![]() Ensure the MMAudio Device Is Installed on Your Computer (Mac) If your Mac is running Monterey 12 or earlier versions, you can go to Security & Privacy in System Preference, then click Privacy > Automation and check ViWizard Spotify Music Converter to open your access rights. Click on the + icon and enter the screen lock passcode, then add ViWizard Spotify Music Converter. Click on the Accessibility button where you can find all the apps are allowed to control your computer. Find the Security & Privacy option at the left column and click on it to enter. Launch the System Preference on your Mac. ![]() Follow the steps below to open your access rights. This is only because the Spotify app is not licensed to your Mac. ![]() After uploading Spotify songs or playlists into the ViWizard software and clicking on the Convert button, Mac users will find the ViWizard software does nothing. Some Mac users had trouble downloading and converting Spotify music when using ViWizard Spotify Music Converter. Check the Spotify App Is Licensed to Your Computer (Mac) Want to clear Spotify cache? We are listing several methods here for you to clear Spotify cache on Mac, Windows, Android, and iPhone in order to save your hard disk space. How to Clear Spotify Cache on iPhone/Android/Mac/PC Restart the Spotify app on your computer and start playing some music. For Windows users, go to C:\Users\*USERNAME*\AppData\Roaming\Spotify\Users\username-user\ and find the local-files.bnk to delete.For Mac users, locate this path: /Library/Application Support/Spotify/ and delete the watch-sources.bnk file.Go the local folder of the Spotify app on your computer. Quit the Spotify app on your Mac or Windows PC. But to completely delete the local files, you can follow the below steps. You can choose to clear Spotify caches in Settings. The other way is to delete all the cache files in the Spotify app. Make sure the Spotify app installed on the computer is up to date. You can completely uninstall and reinstall the Spotify app from your computer to test if the playback issue has been fixed. ![]() If you have the file on your computer." while playing it, try these steps: Option 1. If you just receive the message saying "This song is not available. If the output speakers or headphones are connected well on your computer, but you still run into the conversion error when using ViWizard Spotify Music Converter, then you need to make sure that all original songs can be played well on Spotify. Confirm the Original Songs Play Well on Spotify (Wins & Mac) If you are not connected to an output audio device like headphones, go to pair your headphones with your Mac. Then you need to check whether your output audio device is connected to your Mac well. On an Mac, click Control Center in the menu bar. If it's displayed as, that means the output device is not connected properly and you should connect it again until you see the sound icon appears correctly. In this case, simply go to the Taskbar on Windows, confirm the sound icon is shown as. Therefore, for users who can't successfully download Spotify music with ViWizard Spotify Converter, it is highly recommended that you check that the output device's connection is OK. If the original content does not play well on Spotify, ViWizard Spotify Music Converter won't download Spotify music as expected. ![]() Verify the Output Audio Device Is Connected (Wins & Mac)Īn output audio device, including headphones, speakers, stereo and more, is required to connect to a Mac or PC in order to play Spotify music normally. If you are annoyed by such issues, simply try following the solutions below to make ViWizard Spotify Music Converter work well again. In fact, this type of conversion error could be easily fixed with just a few tricks. While downloading Spotify content with ViWizard Spotify Music Converter, you may encounter some unexpected problems, such as not getting a response after clicking the Convert button on the program. ![]() ![]() ![]() Where to find Massage Parlors and Soapy Massage in Chiang Mai ![]() Prices are usually 500 thb extra for a HJ and 1.000 thb for a BJ. Not all massage shops in Loi Kroh Road offer a hand job. ![]() If you are searching for an happy ending massage in Chiang Mai, Loi Kroh Road has more sensual massage shops than any other area in Chiang Mai. The girls will propose them self to you and give you all the naughty suggestions during the massage or even before. ![]() There are pick up bars and clubs mostly popular with “non-working” thai girls, and if you want to get sex there, you need to dress well, be good looking and young, speak Thai and know how to approach thai girls.Ĭhiang Mai is filled up with massage parlors. Meeting normal local girls and foreign tourist girls in Chiang Mai during the day can be done in a variety of places since the Chiang Mai is one of the most famous backpackers hot spots in the world. You can find plenty of adult locations from Chiang Mai such as girlie bars and sexy massage shops. You just need to find the best available girls. It is easy to get sex online in Chiang Mai. Watching live sex shows is usually free, but if you buy some credits, you will have much better chances to see adult action as desired! It's possible also to hire a webcam model to a private chat room where you can ask the person to fulfill your fantasies. Webcam models can be found from all over the world and you can find girls, guys, trannies, couples and groups of different ages performing to you. Join to get 10 free private teasers and 9.99 credits for free! You can choose any girl from our trusted Live Sex Cams! Meeting local girls and getting laid for free is fun! Read more on how to pick up girls in Chiang Mai: Ĭan I watch Live Sex Cams in Chiang Mai? - Yes, you can! Basically you can watch our online live sex shows for free anywhere in the world if you’re connected to internet. Trust me, you'll find far more than you could ever fuck just waiting for you on this road. If you have the slightest doubt, she is probably a man. The problem is that 90% of them are ladyboys. near Thai Pay Gate is probably the main place. These can be found in many places but around Moon Muang Rd. You can meet these sex workers in the bars as well. Most of the working girls can be found from the street of Loi Kroh. Most of the bars open to the street at the western end of the road, while farther on down (east), and within earshot of the Night Bazaar, is a walk-in arcade full of bars. This street in the centre of town has many beer bars and prostitutes and can easily be met on foot. Loi Kroh Road is considered as a red light area of Chiang Mai.Īll visitors to Chiang Mai looking for sex or a good time will head to Chiang Mai Loi Kroh Road at one point or another. Your looks may also make a difference on price and availability. How much depends on how much you want her, how beautiful she thinks she is, how busy/slow it is, and whether you want her for ‘short time’ or all night. From there it’s entirely up to you - a disco, restaurant, your hotel room, a short-time hotel room - but you should first agree a fee with the hooker (before the bar fine). Once your bill is settled the two of you are free to leave. If you’ve behaved badly, though, the girl might turn down your bar fine. When you are ready to take one of the prostitutes home, you will have to pay a bar fine, which is from 300 - 600 baht depending on the establishment. The hookers will happily party with you, if you buy them drinks (slightly more expensive as they include a commission for the girl). It’s a good idea to get to know the prostitutes to be sure you enjoy the company of the one you eventually take home. Girls might approach you, but you can sit alone and choose or move on at will. Visiting any one of the areas below you will discover a carefree party atmosphere where you can dance, sing (karaoke), drink, eat and meet girls as if you were in your hometown disco. ![]() Collectibles are scattered around the game world, which you should collect all, collecting these things, you will also go through side tasks, and receive a reward. To fully explore the game world of GTA 5, you will have to play more than a dozen hours. 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You can do and go wherever you want, on foot, or by car, or even on a motorcycle, and while listening to music inside the cars, switching radio stations. As the game progresses, you can switch between the three bandits, and play both from the third person and from the first. The content of the game for the passage will revolve around three bandits and murderers, who arrange a very brutal robbery and a series of murders of both police officers and other criminals. ![]() The actions of this masterpiece GTA 5, takes place in the fake state of San Andreas in the city of Los Santos. In Grand Theft Auto 5, you can do whatever you want, it's an open world in which you can be a god! The developers of the game Rockstar Games did a great job, not in vain, since the game can be considered one of the most popular in the world. 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![]() ![]() ![]() Referees must be impartial and consistent in their calls and must also be able to communicate effectively with players, coaches, and other officials. This includes determining whether a player has committed a foul, whether a player has been out of position, or whether a player has violated a rule. Referees must also be aware of any violations that may occur such as double contact, setting the ball over the net illegally, or failing to return the ball over the net.įinally, referees must be able to make judgement calls in order to ensure that the spirit of the game is upheld. These include illegal contacts with the ball, entering the court illegally, or being out of position. In addition, referees must be knowledgeable of the different types of fouls that can occur during a game. Referees must be aware of the court dimensions, the distance between the players and the net, and the number of allowable contacts with the ball prior to sending it over the net. The basic rules involve two teams of six players each, with three players on each side of the net. The official rules of volleyball are set by the International Volleyball Federation (FIVB) and are based upon the Laws of the Game. This includes knowledge about the court layout, fouls, and how to make judgement calls. Referees must be knowledgeable of the official rules and regulations of the game in order to ensure a fair and fun game. Volleyball refereeing is a complex and nuanced role that requires a deep understanding of the rules and regulations of the game. Rules and Regulations of Volleyball Refereeing You should also be in good physical condition, as you will be running up and down the court for long periods of time.Īdditionally, it is helpful to have a good understanding of the game’s strategies, so that you can identify any violations.įinally, you should be prepared to stay impartial and make difficult decisions when necessary. To referee volleyball, you need to familiarize yourself with the rules of the game and have a good understanding of the sport. Physical Requirements of Volleyball Refereeing.Being Impartial and Consistent in Calls.Knowing the Game and Making Judgement Calls.Proper Communication with Players, Coaches, and Other Officials.Rules and Regulations of Volleyball Refereeing. ![]() ![]() Print the meal planner template and then laminate it to use with dry erase markers. ![]() Print a new sheet on regular printer paper each week, then use a pen or pencil to fill it in.You have a few different options when printing and using the meal plan template. I designed this printable meal planner so that it’s super easy to use and self-explanatory, even for the meal planning newbies! Here’s how to put the cute template to good use: Step 1: Print the free meal plan template and hang on your fridge or add to your planner. *This post contains affiliate links, which means if you click a link and make a purchase I earn a commission at no additional cost to you. Here’s a cute and FREE meal planner printable template for you to use, and tips for putting it into action in your own home! Instead of having to start fresh each day, staring at a stocked fridge and wondering how to combine some of those 52 different ingredients into a dish that your family will love, you can reference your meal planning template for ideas. When you’ve got a big family to feed, and everyone has their own favorites and requests, making dinner can be overwhelming.īut that’s where a good weekly meal planner printable can come in handy! How about tacos? We had that 2 nights ago.īurgers? I’ve had enough red meat this week… See the taco reference above. 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Not for commercial distribution or resale. ![]() The files may be used free of charge for non-commercial use, provided that the Calendarpedia logo, the copyright notice ("© Calendarpedia®, and the disclaimer ("Data provided 'as is' without warranty") are not removed. More free Excel calendar templates are also available from the Microsoft template gallery (calendar section). Read more about the various Excel versions and file formats on Wikipedia. Also compatible with Microsoft Office for Mac (macOS) and Microsoft Office mobile for iPad/iOS, Android and Windows 10 mobile. If you have one of the older versions of Excel that only supports the ".xls" format (Excel 2000, 2002/XP & 2003), or if you don't have Excel installed, use Microsoft Office Online or one of the free Microsoft Excel/Microsoft Office alternatives FreeOffice PlanMaker, LibreOffice Calc and Google Sheets, which are all free of charge ( OpenOffice Calc unfortunately has minor formatting problems when opening our calendars). They are saved in Microsoft Excel ".xlsx" format and can be used with the newer versions of Excel that support the XML document standard (files with ".xlsx" extension - Excel 2007, 2010, 2013, 2016, 2019, 2021 and Office 365). The templates are blank, printable and macro-free and are easy to edit, amend, save and use again later. 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Multi-purpose Microsoft Excel calendars 2024 for the United States – practical, versatile, customizable and free to download and print. ![]() |
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