![]() ![]() I had a real blast with the Delhi Sultanate too, stomping my hapless AI enemies with War Elephants they had no answer for. ![]() The Mongols are the biggest wildcard, capable of packing entire towns up into carts and relocating to anywhere on the map. It’s not a huge number, but the visual and strategic variety between these factions is one of the most significant evolutions in the series.Īge of Empires 4 might not have the balanced esport appeal of AoE 2, but damn is it fun to experiment with the different civs and learn their unique ways. These missions aren’t easy either, and on standard difficulty I found I had to quickly wrap my fingers around the new keyboard shortcuts to keep up with an efficient, nagging enemy.ĭamn is it fun to experiment with the different civs and learn their unique waysīut these sleek campaigns are just a foreword to the stories you’ll be crafting on the Skirmish maps with the eight eclectic civs on offer. Regardless, the campaign throws up plenty of great set-pieces there’s the Battle of Xiangyang to establish Kublai Khan as Emperor of China, Dmitry Donskoy’s power-shifting defeat of the Mongols at Kulikovo, and over in the west the Battle of Bremule to establish England as a regional power. To chart decades of Mongol conquests without mentioning the centrality of terror and massacre to their strategy, for instance, seems like a bit of a convenient oversight. It does also sometimes feel like the squeaky-clean presentation skirts around the ickier parts of history. ![]()
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![]() Tablet users can also make use of TOTALe Course HD and take Rosetta Studio lessons on the go with TOTALe Studio HD Millions of people worldwide have trusted Rosetta Stone to help them learn a new language. Additional online features include:- Rosetta Studio - where you can practice your new language in live online sessions with coaches who are native speakers Rosetta World - providing you with access to a community of learners where you can continue to practice your new language in fun games and activities TOTALe Companion - continue your learning wherever you go, with learning applications for your mobile devices. ![]() Adaptive Recall feature that helps transfer what you've covered in previous lessons to long term memory, by letting you know when it's time to review what you've learned. Speech recognition technology providing you with instant feedback to help you polish your pronunciation. TOTALe comes complete with the following: Dynamic Immersion our award-winning method where you learn your new language in real-life scenarios, preparing you to speak confidently. TOTALe is ideal for people who prefer to learn in their own time and at their own pace. TOTALe Enjoy hours of engaging content, to develop a true command of your new language. Our award-winning language-learning solution presents a variety of vocabulary, grammar, and real-life conversation scenarios so you quickly build a repertoire that you can use in everyday situations. You start speaking from the very first lesson and build confidence fast as you progress through the course. We call it immersion and you can experience it right on your computer. ![]() You learn by simply connecting words, images and sounds in realistic scenarios, and as a result you naturally discover what each word means without the need for translation. With Rosetta Stone you learn a new language in a way similar to how you learned your first language. ![]() ![]() ![]() You can use the KidsHealth BMI calculator below to. ![]() Breathe out naturally before taking the measurement. Body mass index (BMI) is a calculation that uses height and weight to estimate how much body fat someone has.Wrap a tape measure around your waist midway between these points.Find the bottom of your ribs and the top of your hips (just above your belly button).Use measurements in the same units (for example, centimetres or inches).Ī waist to height ratio of 0.5 or higher means you may have increased health risks such as heart disease, type 2 diabetes and stroke. To calculate your waist to height ratio, measure your waist and divide it by your height. Measuring your waist to height ratio can tell you if you have excess tummy fat, even if you have a healthy BMI. You may want to see a GP for help and advice. If you want to lose weight, you can find more information at NHS Better Health. Healthy weightįind out more about having a balanced diet and find fitness videos you can try at home to maintain a healthy weight. If you have an eating disorder, the BMI calculation results do not apply. BMI weight ranges Underweightīeing underweight could be a sign you're not eating enough or you may be ill. This means muscular adults and athletes may be classed as overweight or obese even though their body fat is low.Īdults who lose muscle as they get older may fall into the healthy weight range even though they may be carrying excess fat. The BMI calculation does not include muscle mass, which weighs more than fat. If you're concerned about your child's weight, see a GP.īlack, Asian and other minority ethnic groups have a higher risk of developing some long-term conditions, such as type 2 diabetes. are under 18 years old – children and young people’s weight is measured in centiles based on an average from national surveys.Use your pre-pregnancy weight when calculating your BMI. are pregnant – your BMI will go up as your weight increases during pregnancy.have an eating disorder – please get further advice from a GP.The BMI calculation is not suitable if you: The BMI calculation divides an adult's weight in kilograms (kg) by their height in metres (m) squared.įor example, an adult who weighs 70 kg (around 11 stone) and whose height is 1.75 m will have a BMI of 22.9. But what does it mean, and why is it important to your childs health. If you're concerned about your weight, or the weight of someone you care for, speak to a GP. You may hear the term body mass index or 'BMI' during your childs checkups, or even at your own health visits. The BMI healthy weight calculator is being updated and is temporarily unavailable. Changes to the BMI healthy weight calculator ![]() ![]() ![]() The basis for the view is an examination of history and the original public meaning of this part of the Constitution,” University of Arizona Constitutional law professor Toni Massaro told AZ Fact Check. citizen mother - as Cruz was - even though he was born in Canada. “The stronger view is that ‘natural-born citizen’ includes children born to a U.S. The legal consensus would appear to deem Cruz eligible to be president, as most legal scholars use historical context to interpret the intentions of the constitution's framers. In 2008, John McCain's eligibility briefly became an issue because he was born in the Panama Canal Zone. “It sounds like what Cruz is saying is it’s self-evident but not textually defined in the Constitution,” said Arizona State University law professor David Gartner.Ĭruz isn’t the first presidential hopeful to address his eligibility to run for president. Supreme Court ruling interpreting its meaning. citizens born abroad are considered natural-born citizens.īut the Constitution does not define “natural born,” and there has yet to be a U.S. Cruz claimed during the debate that the law is clear that U.S. from foreign influence, according to Alexander Hamilton’s federalist papers.Ĭruz’s birth certificate shows he was born in Calgary, Alberta, to a mother who was an American citizen, which makes him an American citizen by birth. The intent of this clause was to protect the U.S. “No Person except a natural born Citizen, or a Citizen of the United States, at the time of the Adoption of this Constitution, shall be eligible to the Office of President neither shall any Person be eligible to that Office who shall not have attained to the Age of thirty-five Years, and been fourteen Years a Resident within the United States.” Constitution sets the eligibility requirements for the office of president: citizen, the question of whether he is a “natural-born citizen” as required by the Constitution has prompted some scholarly debate without much of a definitive answer. Ted Cruz and Donald Trump during the first GOP debate of 2016, Trump questioned Cruz’s eligibility to be president because he wasn’t born in the United States.Īlthough Cruz is a U.S. WHAT WE'RE LOOKING AT: Whether the Constitution clearly draws out a definition of a natural-born citizen.ĪNALYSIS: Amid the banter between presidential hopefuls Sen. citizen born abroad is a natural-born citizen.” THE COMMENT: “But the facts and the law here are really quite clear. ![]() ![]() ![]() MDOT has several Twitter accounts posting daily and frequent updates on major roads in Michigan. More: An onslaught of trauma is creating a generation on alert MDOT's Twitter Accounts More: Great Lakes set record for least mid-February ice cover Michigan Traveler can only be downloaded by Apple users. "You can view traffic cameras, read alerts about construction and other road-related issues, see snowplows, truck parking, and get stats from weather stations," according to the application details. Though not created by MDOT, Michigan Traveler allows drivers to access MDOT's road data through a phone application. To receive traffic alerts from MDOT, subscribe to email updates here. Enter your city or zip code into the website and access information through the legend in the upper left corner. The map can be used by any Michigan resident or visitor. MDOT "produces an updated version of the state transportation map annually." "Mi Drive is a construction and traffic information website that allows users to view traffic cameras, speeds, locate incidents, and construction," according to Michigan's Department of Transportation. The feature works by "analyzing GPS-specific locations that are sent to Google by a large number of mobile phone users," according to Google. To access, select the "Traffic" option from a drop-down menu in Google Maps in the upper right corner. Google Traffic can be used online or downloaded to most mobile devices. The feature gives users real-time access to traffic speed, crashes, construction, road closures, and other incidents on major roads. Google Traffic, a feature on Google Maps, is used by millions around the world to navigate road conditions. ![]() This is a general compass direction, you will only see N, S, E or W.If you're trying to avoid traffic, check on road closures, or even find gas or parking, preparing in advance might be a good idea.Īs we make it through the rest of winter, or just to stay informed on any given day, here are several ways to check road conditions before you head out. The "S" at the end of the title indicates the direction the camera is actually pointing. Since the camera view is looking at I-495, that name shows up first, and the nearest cross street to the camera location (in this case River Rd.) shows up second. For example: "I-495 - River S" is a title you typically see on the camera at River Rd. Both road names generally will be in the title, with the road actually in view as the first name. Most cameras are located at the intersection of two roads. The convention used in our titling is very simple. Any time there is a traffic incident within range of our cameras, we may point the camera in that direction. Most cameras will be pointed in one direction in the AM rush hours, and in another direction in the PM rush hours. Many local TV stations receive video from us and include it in their morning traffic reports. You may recognize these titles from your morning news. These titles change depending on which way we choose to have the camera pointing. Our surveillance cameras have built in titling that show up as characters at the top of the picture. ![]() ![]() It will normally stop, and I only use the volume at 70% usually, possibly through being twisted and fiddled with on the windscreen mount. However, I still occasionally get a distortion on the (UK English) voice - more of a hissing than a distortion, when she speaks. So far it works just fine and I am more than happy with the unit. Just a quickie, I got a 250W for Xmas and experienced an unacceptable amount of lock-ups, distorted voices and occasional dimming of the backlight when in use, so I took it back to Halfords for an exchange, which I now have. Maybe a subscription is in order, I think it's still under £30.įirstly, great site, Garmin can count me as a customer they may not have had if it hadn't been for your informative guides on the nuvi. I've tried that, but it recognises that i have already had the trial. Why not just sign up for the free 30 day trial and get a new one through that? ![]() I've deleted/lost my speed camera file,is there anyway i can retrieve it.thanks nigel My pleasure, glad to be of help, what unit are you running? The instructions with screen shots are clear and precise. The Nuvi is basically a little computer, so just like if you look in the systems folder on your desktop, there's loads of strange files and icons. OK, if you're adding maps I'm pretty sure you've got to use Garmins Mapsource software. Any detail explaination availible in the Net?. In the built-in memory Garmin folder, it consists of many files and folders. Do you have the instruction on how to add a second map?.Ģ. I read somewhere that if i want to add a second map, all i have to do is add the gmapsupp.img file to the sd ram card garmin folder. Hi, i have 2 questions about Nuvi 200 and appreciate if you can help me out,ġ. You could also check out the Garmin Webupdater. Maybe search some of the Garmin forums? Tell me how you get on. Sounds like a software issue to me, probably something you've got to live with, where the Nuvi just wants to warn you of all Speed Cameras. Is there any solution to that issue? Thank you. ![]() should alert only when approching with speed above 120mph which means in reality they shouldn't alert at all. During the installation I've used 'manual' option instead of 'express' so I've set a desired distances /alert speeds to every database. I've uploaded speed cameras data bases (5 of them). Hi, I'm a bit confused with my Garmin 300. The POI's installed on the Garmin are treated differently, and seperately from Custom Files - see the guide for details - but everytime you use the POI Loader to install new Custom POI's, the old Custom ones get deleted, so make sure you back everything up first. Sorry, this is probably a really dumb question, but is there a way to extract any of my POI's before adding my custom list, short of typing them out in full? You're looking in the wrong place - use "where to", then scroll down to "extras", and they should be in "custom poi's". The POI section in the Garmin folder increases in size, so I know the information transfered but when I search for the updated information under points of interest none of it shows up. I've downloaded and transfered the csv files using POI loader for my Garmin nuvi 250 as per the posted instructions. If You Found This Article Useful, Why Not Buy Me A Beer? (£2 via Paypal - Click on the pint glass!) If you do have a go, post a comment below with how easy / hard it was so we care share that info with other users. See OsmPoiCreator for details.Ah! You say, what about making my own POI files, well there's instructions on how to do it here, looks a bit time consuming though! ![]() SlowRider is able to generate some POIs for your area if desired. ![]() Hint: do not name any of your custom POI files as poi.gpi as this poi file name is reserved for POIs loaded with Garmin software (like the Garmin POI loader). The newly loaded POIs now should be accessible as custom POIs in the Find menu. Then copy all of your gpi files inside the Poi folder. In the folder named Garmin you'll find a folder named Poi. On Windows, a new drive and on the Mac, a new volume will appear. If your device has a micro sd card, simply switch the device to USB mass storage mode. They can be loaded with the Garmin POILoader, with GPSBabel or with Mass Storage Mode. POIs can have custom icons and an optional proximity alert. Some Garmin devices can store POIs (Points of Interest) in addition to the base map. ![]() ![]() Insignia of the Horde (2805 Honor, Horde version) Mechanical Dragonling (Requires 200 Engineering) Philosopher's Stone (Requires 225 Alchemy) Mark of the Chosen (Obtained from this quest) Tidal Charm (Drops from a rare spawn on a 36 hour respawn timer) Nifty Stopwatch (Quest chain, starts here and ends here)įigurine - Black Pearl Panther (Requires Jewelcrafting 215)įigurine - Golden Hare (Requires Jewelcrafting 200) Protector's Band (141 Honor, 20 Arathi Basin Marks, Alliance version)ĭeadman's Hand (Drops from Arcanist Doan in SM Lib, it's a nice perk to get!) Legionnaire's Band (141 Honor, 20 Arathi Basin Marks, Horde version) Highlander's Leather Boots (258 Honor, 20 Arathi Basin Marks, Alliance version)Īquamarine Signet (of the Monkey or Tiger, whichever you prefer. Revelosh's Gloves (of the Monkey, there are 3 variants, 8/8, 9/8 and 8/9)ĭefiler's Leather Boots (258 Honor, 20 Arathi Basin Marks, Horde version) Sacrificial Kris (of the Monkey, Tiger or Power, whichever you prefer, 5/5 version, good to apply poisons fast)īaelog's Shortbow (Horde only, Alliance can't kill the guy that drops this) Vanquisher's Sword (Quest item, Horde, Alliance )ĭazzling Longsword (Good versus rogues and druids, the proc prevents them from restealthing) Sentinel's Blade (Suited for a dagger spec, 469 Honor, 30 Warsong Gulch Marks, Alliance Version) Scout's Blade (Suited for a dagger spec, 469 Honor, 30 Warsong Gulch Marks, Horde Version) Protector's Sword (469 Honor, 30 Warsong Gulch Marks, Alliance Version) Legionnaire's Sword (469 Honor, 30 Warsong Gulch Marks, Horde Version) Tracker's Wristguards (of the Monkey, there are 2 variants, 6/7 and 7/6, 7/7 does not exist) Huntsman's Armor (Get the 12/12 of the Monkey variant or of Power with 38 AP) ![]() Warden's Wraps (12/12 is the only variant) Scorpashi Cape (+2 Strength, +7 Stamina and +5 agility, no variants) Revelosh's Spaulders (of the Monkey, there are 3 variants: 8/8, 9/8 and 8/9, 9/9 does not excist)ĭarktide Cape (Quest item, starts with this which unlocks the actual quest for the cloak: this )Ĭabalist Cloak (of the Monkey, there are 2 variants: 6/7 and 7/6, 7/7 does not exist)Ĭhampion's Cape (of the Monkey, there are 2 variants: 6/7 and 7/6, 7/7 does not exist) Stained Shadowcraft Spaulders (Heirloom item, only use this if you got a Naxxramas or Zul'Gurub enchant to apply)įlintrock Shoulders (BoE, only use this if you got a Naxxramas Enchant to apply, otherwise use Revelosh) You get the quest from Mages Deck, you can find it on the AH) Sentinel's Medallion (141 Honor, 20 Warsong Gulch Marks, Alliance version)ĭarkmoon Pendant (Quest reward. Scout's Medallion (141 Honor, 20 Warsong Gulch Marks, Horde version) Medal of Courage (Long quest chain, starts here: for Horde / for Alliance) Nightscape Headband (You can use this one until you find one of the above, it's a worthy alternative) Nocturnal Cape (of the Monkey, the 12/12 variant) ![]() The -15% duration on slows ain't too amazing either, but you do get extra stylepoints for rolling a troll. I'd say the Orc racial is much better, atleast you don't have to be dying to put it to good use. * Troll: Berserking grants you 10% (at full health) ->30% (under 40%) increased attack speed. The 2% Shadow resistance also adds another thing to your anti-warlock arsenal. Cannabalize doesn't grant you that much health really, but it'll surely piss off some of your opponents. There are plenty of warlocks/priests and warriors in the 39 bracket so this will always come in handy. ![]() * Undead: Will of the Forsaken (2 min cooldown) breaks fear and seduce effects. Couple that with 2% resistance against all magic schools and you've got yourself one of the strongest rogue races. * Blood Elf: Arcane Torrent (2 min cooldown) will grant you +15 Energy AND an AoE silence. Hardiness provides a 15% duration reduction on stuns which is worthless in my opinion. * Orc: Blood Fury (2 min cooldown) will grant you 158 AP on demand which gives a pretty nice burst potential. * Dwarf: Stoneform (3 minute cooldown) grans immunity to poisons, bleeds and diseases and it adds 10% armor for 8 seconds. The extra arcane resistance helps against polymorph etc. * Gnome: Escape Artist (1 min 45 sec cooldown) breaks movement impairing effects. You also get a small passive stealth buff. The extra nature resistance helps against druids, shamans and poisons. * Night Elf: Shadowmeld (2 min cooldown), kind of works like an extra vanish so it's needless to say this is a very powerful racial. Perception helps against other rogues and druids, sword expertise is very nice too if you're hemo. It shares its cd with your PvP trinket though, so there's no use having it equipped. * Human: Every Man for Himself (2 min cooldown) works like your PvP trinket, it can remove any form of crowd control. Searched for "39 twink", "39 twink rogue", "39 rogue" and didin't get any matches.īelow follows the guide written by Ishh of. Disclaimer: This is not my work, all credits go to Ishh of ![]() ![]() ![]() Shazam’s engineers can rewind time to trace the international contagion of her first single, “Royals,” watching the pings of Shazam searches spread from New Zealand, her home country, to Nashville (a major music hub, even for noncountry songs), to the American coasts, pinpointing the exact day it peaked in each of nearly 3,000 U.S. Take, for example, Lorde, the out-of-nowhere sensation of 2013. ![]() “We know where a song’s popularity starts, and we can watch it spread,” Titus told me. (The company has a team of people who update its vast music library with the newest recorded music-including self-produced songs-from all over the world, and artists can submit their work to Shazam.) The map amounts to a real-time seismograph of the world’s most popular new music, helping scouts discover unsigned artists just as they’re starting to set off tremors. (Titus is now a senior director at Google.) Last year, Shazam released an interactive map overlaid with its search data, allowing users to zoom in on cities around the world and look up the most Shazam’d songs in São Paulo, Mumbai, or New York. “Sometimes we can see when a song is going to break out months before most people have even heard of it,” Jason Titus, Shazam’s former chief technologist, told me. While most users think of Shazam as a handy tool for identifying unfamiliar songs, it offers music executives something far more valuable: an early-detection system for hits.īy studying 20 million searches every day, Shazam can identify which songs are catching on, and where, before just about anybody else. It has also helped set off a revolution in the recording industry. (In the days before smartphones, users would dial a number, play the song through their phones, and then wait for Shazam to send a text with the title and artist.) Since then, it has been downloaded more than 500 million times and used to identify some 30 million songs, making it one of the most popular apps in the world. The trick, he discovered, was to turn a song into a piece of data. But then he made a breakthrough: rather than trying to capture whole songs, he built an algorithm that would create a unique acoustic fingerprint for each track. No technology existed that could distinguish music from background noise, and cataloging songs note for note would require authorization from the labels. Their idea was to develop a service that could identify any song within a few seconds, using only a cellphone, even in a crowded bar or coffee shop.Īt first, Wang, who had studied audio analysis and was responsible for building the software, feared it might be an impossible task. named Avery Wang co-founded, with a couple of business-school graduates, a tech start-up called Shazam. For Shazam to identify a song you’re singing, you’d need to have the same vocals with the instrumentals at the exact tempo with the song's original recording.In 2000, a Stanford Ph.D. The Shazam algorithm can only identify prerecorded music. “Could I get Shazam to recognize a song I was singing if I was a really good singer?” Good luck with the band trying to do that… Your Voice Recording The only way Shazam can identify a song during a live performance is if the band is skilled enough to perform the song exactly as it was recorded. This is because the audio you record in live performances often differs from the original version of the song Shazam uses to create audio fingerprints. Shazam falls short in its ability to identify music from live performances. When that happens, Shazam returns the Song not Known dialogue because it cannot find a match for the audio fingerprint. Because of that, the audio fingerprint of your recording will be different from that of the original song. When you Shazam a song in a place where the background noise level is too high, the noise distorts the data on the Spectrogram. ![]() ![]() ![]() In exchange for Lewton keeping quiet she will arrange a meeting with her for him. Lewton confronts Sapphire, and after Lewton exposes her cover story she reveals she has been blackmailing Therma. Lewton discovers the Parrot's singer, a troll named Sapphire, has suddenly run into a large amount of money. Horst believes Lewton has killed Mundy and found the "Golden Sword", and is willing to offer Lewton a large sum of money should Lewton deliver it to him. ![]() Once Lewton has the coin, he is ambushed by a dwarf named Al-Khali, who searches him, finds the coin, and takes him to troll criminal Horst. When Lewton grills the Parrot's owner, he reveals he cut Mundy down and looted his body, handing Lewton a small unusual coin. He awakes to find a murdered Mundy and the City Watch, thus ending the game's first act.Ĭommander Vimes names Lewton as his prime suspect and a suspect for all the Counterweight Killings, a series of ritualistic murders, before letting him go. Lewton finds Mundy but is immediately knocked unconscious. As Lewton pursues the case he runs into an old flame, Ilsa, and is told to "find Therma" by a troll named Malachite who has escaped from prison. The game flashes back to Lewton taking a case for a woman named Carlotta, who asks him to find a man named Mundy. Lewton begins an off-screen narration on being dead, before recalling how it all started. There is then a cutscene of Lewton being chased through the streets pursued by an unseen attacker, eventually being stabbed through the chest with a sword. The game opens on a text narration discussing the origins of the "Tsortean wars", and the disappearance of the Tsortese Falchion. Further details may exist on the talk page. Please expand the article to include this information. This article is missing information about the third act and the second part of Act II. Though Pratchett viewed the games as a "parallel Discworld", Chris Bateman wrote the game attempting to fit it between the events of Feet of Clay and Jingo. Characters and locales from the books also appear, such as the Unseen University, the Dysk Theatre, Pseudopolis Yard, the City Watch and eccentric inventor Leonard da Quirm. The game features many new characters and locales, which do not appear in the Discworld books. It is set in Ankh-Morpork, the largest city on the Discworld. The game's story line is a completely original creation, unlike the previous Discworld games, two of which were based on particular novels, and one of which was a mixture of elements from several. His investigation of a brutal murder gets him involved in a sinister plot. The main character is Lewton, the Discworld's first and only private investigator, and former member of the Ankh-Morpork City Watch. In one case, missing a clue early on in the game will cause a character to give it to the player later. The game uses a "threaded" structure, in which there are separate "vignettes" that the player may come to at different points. ![]() ![]() Like the previous Discworld games, the PlayStation version of the game supports the PlayStation Mouse. The player may then shift Lewton to werewolf form. Part way through the game, Lewton becomes a werewolf. Once a lead is of no further use, it becomes scratched out and unselectable. When something is mentioned in conversation, a note may be added to the notebook, and the player may ask other characters about items in the notebook. Much of the game takes place in conversation, with the player being able to interrogate people with subjects from Lewton's notebook. Pratchett consulted on the story and provided some of the dialogue, being credited for causing "far too much interference."ĭiscworld Noir is an adventure game. Originally released for Microsoft Windows, it was later released for PlayStation by Teeny Weeny Games, the resurrected form of the already insolvent Perfect Entertainment. The game plays on film noir genre tropes, parodying noir classics such as Casablanca and The Maltese Falcon. The game is set in Terry Pratchett's satirical Discworld universe, and follows its first and only private investigator as he is given a case leading him into the deadly and occult underbelly of the Discworld's largest city. Discworld Noir is a 1999 adventure game developed by Perfect Entertainment and published by GT Interactive. ![]() ![]() All other marks are the property of their respective owners. iSHARES and BLACKROCK are trademarks of BlackRock, Inc., or its subsidiaries in the United States and elsewhere. The iShares Funds are distributed by BlackRock Investments, LLC (together with its affiliates, “BlackRock”). There is no guarantee that any strategies discussed will be effective. The strategies discussed are strictly for illustrative and educational purposes and are not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Diversification and asset allocation may not protect against market risk or loss of principal. All regulated investment companies are obliged to distribute portfolio gains to shareholders. Transactions in shares of ETFs will result in brokerage commissions and will generate tax consequences. When comparing stocks or bonds and ETFs, it should be remembered that management fees associated with fund investments are not borne by investors in individual stocks or bonds. Transactions in shares of ETFs may result in brokerage commissions and will generate tax consequences.Īll regulated investment companies are obliged to distribute portfolio gains to shareholders. There can be no assurance that an active trading market for shares of an ETF will develop or be maintained. Non-investment-grade debt securities (high-yield/junk bonds) may be subject to greater market fluctuations, risk of default or loss of income and principal than higher-rated securities. Credit risk refers to the possibility that the bond issuer will not be able to make principal and interest payments. This is where you can store your personal files. You are given access to a private section that only you can access. Typically, when interest rates rise, there is aĬorresponding decline in bond values. iShare is a subscription that gives a TouchChat device access to a large server, through the wireless connection on the iPod, iPhone, or iPad. ![]() Investing involves risk, including possible loss of principal.įixed income risks include interest-rate and credit risk. This and other information can be found in the Funds' prospectuses or, if available, the summary prospectuses which may be obtained by visiting or Read the prospectus carefully before investing. BlackRock is not affiliated with Institutional Investor or any of their affiliates.Ĭarefully consider the Funds' investment objectives, risk factors, and charges and expenses before investing. Survey data citations throughout the report refer to questions answered by 760 or more respondents unless noted otherwise. ![]() In Q3 2020, Institutional Investor conducted a global survey of 766 institutional investment decision makers at insurers, endowments, family offices, foundations, pensions, and asset management firms regarding their experiences and actions during severe market volatility in the early part of 2020. This whitepaper was sponsored by BlackRock Investments, LLC, which is not affiliated with Visual Capitalist or any of their affiliates. By downloading, you agree to our Privacy Policy. ![]() |