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A Wealth of Common Sense

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Investing in international markets may seem like a kick in the pants at the moment. Not only have U.S. stocks been outperforming for some time now, but the losses have been more severe and commonplace overseas.

Markets are inherently cyclical so investor risk appetites are up and down right with them. Diversification is supposed to take advantage of cycles or at the very least lessen their impact on performance. So an aversion to markets that are performing relatively poorly is an aversion to diversification.

It makes sense that U.S. investors would be looking to avoid poorly performing markets.

I would guess it could work out forinvestors who have all their equity exposure in the U.S. but here are some considerations for those who are both for and against diversifying globally:

Diversification benefits. Since 1970, theU.S. has outperformed the MSCI EAFE (Europe, Australasia and the Far East) 23 out of 48 calendar years (thus, foreign stocks have outperformed 25 of 48 years).

Diversification benefits.

Relative performance numbers have been extremely cyclical as well:

The U.S. has outperformed over this entire period but it’s interesting to note that all of this outperformance has occurred since 2010. From 1970-2009, the annual returns were 10.2% annually for the EAFE and 9.9% per year for the U.S.

A portfolio split 70% in the U.S. and 30% in foreign stocks, rebalanced annually, would have given an investor an identical 10.5% annual return to U.S. stocks with a slightly lower volatility that each of the individual indexes themselves.

The SP had a lost decade from 2000-2009, falling almost 10% in total. In that time, the EAFE index rose almost 20% in total. Both of these are dismal returns for a 10-year stretch but 30% in relative returns is better than nothing.

While it’s always difficult to hold onto or rebalance into a relative underperformer, diversifying reduces the regret from not owning the better performer of the two. So international diversification can provide psychological benefits beyond portfolio management considerations.

Behavioral diversification. Diversification can not only help with your own emotions about investing, but it can allow you to take advantage of the emotions of others as well. Human nature is the one constant we’re all forced to deal with when investing but people from different countries and regions are bound to react differently to their own situations.

Behavioral diversification.

You could perform all of the sector, valuation, or economic analysis you want to compare foreign stocks to U.S. shares but the cultural element and different ways people approach the markets is an underrated facet of global diversification.

Clinical and microbiologic findings associated with detection of
Table 2
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Clinical and microbiologic correlates of Mycoplasma genitalium infection in 719 women attending the Harborview Sexually Transmitted Disease Clinic, 1984–1986

Table 2
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Clinical and microbiologic correlates of Mycoplasma genitalium infection in 719 women attending the Harborview Sexually Transmitted Disease Clinic, 1984–1986

Six of the 50 M. genitalium –positive women were coinfected with N. gonorrhoeae alone, 6 with C. trachomatis alone, and 2 with both N. gonorrhoeae and C. trachomatis . Gonococcal, chlamydial, HSV, T. vaginalis and M. hominis infections were not associated with M. genitalium but there was a nonsignificant trend toward more frequent detection of C. albicans, G. vaginalis and U. urealyticum among women with M. genitalium infection. M. genitalium was negatively associated with BV

Multivariate analyses assessing risk factors, risk markers, and clinical manifestations of M. genitalium infection Using multivariate logistic regression to simultaneously adjust for all factors in the model, we found that M. genitalium infection was associated with having ⩾2 new partners in the past 30 days (OR, 3.3; 95% confidence interval [CI], 1.2–9.5), smoking (OR, 2.7; 95% CI, 1.3–5.7), proliferative phase of the menstrual cycle (OR, 2.6; 95% CI, 1.3–4.9), frequent douching (OR, 2.5; 95% CI, 1.1–5.6), and history of spontaneous miscarriage (OR, 2.4; 95% CI, 1.0–5.8) (P=.06). Risk for M. genitalium infection decreased by 10% for each year of age (OR, 0.9; 95% CI, 0.81–0.95) and was reduced by 60% among women who reported a history of cunnilingus (OR, 0.4; 95% CI, 0.22–0.86) or received a diagnosis of BV (OR, 0.4; 95% CI, 0.19–0.97). Further adjustment for race, age at first intercourse, use of contraception, income, marital status, and/or education did not appreciably change the estimates

Multivariate analyses assessing risk factors, risk markers, and clinical manifestations of M. genitalium infection

M. genitalium infection as a risk factor for MPC Clinical characteristics associated with MPC in univariate analyses included easily induced cervical bleeding, cervical ectopy, elevated vaginal PMNL count, yellow vaginal discharge (signs and symptoms), and complaints of abnormal vaginal discharge (P<.01 for all; data not shown). Several pathogens were detected significantly more often in women with MPC than in women without MPC: M. genitalium (11.2% vs. 5.2%, respectively), N. gonorrhoeae (21.9% vs. 8.1%), C. trachomatis (22.9% vs. 6.2%), T. vaginalis (19.5% vs. 12.3%), HSV (8.5% vs. 3.1%), G. vaginalis (78.9% vs. 71.2%), and M. hominis (60.9% vs. 48.4%) (P<.05 for all). C. albicans was significantly less common among women with MPC (20.2%) than among women without MPC (27.4%). Using multivariate logistic regression analysis to adjust for age, proliferative phase of the menstrual cycle, and other known causes of cervicitis, M. genitalium infection was associated with a 3.3-fold greater risk of MPC (95% CI, 1.66–6.40) ( table 3 ). Further adjustment for number of sex partners, race, age at first sexual intercourse, contraceptive use, douching, income, education, smoking, and presence of BV or infection with organisms other than M. genitalium (M. hominis, U. urealyticum, G. vaginalis, and C. albicans) did not appreciably change this estimate. A similar association was observed after exclusion of the 184 women who were infected with N. gonorrhoeae, C. trachomatis or both (OR, 3.1; 95% CI, 1.46–6.75), which further supports the idea that M. genitalium has an independent role as a cause of MPC. The proportion of MPC cases among women with M. genitalium that were attributable to M. genitalium infection can be estimated by the attributable risk percentage; in this instance, [(3.3-1)/3.3]×100, or 70%

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Maximising the impact of academic research

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Impact is crippling higher education. But it is still part of the solution

For years now, the Research Excellence Framework (REF) has created a growing fixation on “impact”. While many higher education institutions (HEI) have come up with innovative ways to build DRESSES Short dresses Aspesi per Al Duca DAosta Looking For qRYRNjj
, the focus of impact practices has been increasingly narrowed down to tech transfer or policy impact. This development has skewed impact evaluation in a way that some might argue is detrimental to its original purpose. The challenge now before us is to go back to basic principles and re-evaluate how publicly funded academic research can benefit “ Shopping Online Sale Online Best Sale x REVOLVE x Alexis Ren Voyage Skirt in Metallic Silver size M also in LSXS Lovers Friends Cheap Classic Footlocker Sale Online HkdmtAp7d
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The discussion of impact is bound by both a poorly articulated purpose of higher education within social policy at large and a shift towards the marketisation of universities. The “impact agenda” is fuelled, in part, by a cost-benefit framework that can be traced back to HM Treasury’s cargo trousers Green Zadig amp; Voltaire Order Cheap Recommend Fake For Sale Pre Order Online sJXNd
(2003) which first stressed the importance of cost-benefit analysis of government-funded interventions or programmes. It set out to ensure that public funds are spent efficiently and to the greatest possible benefit to society. In doing so, a link has been created that connects impact from academic work with impact in cost-benefit analysis. Universities have responded to this defining aspect of impact by focusing on demonstrating the economic value of their interventions. The Free Shipping Get To Buy Comfortable Luz Dress in Black size M also in LSXLXS NBD NPdWtY
published in 2010 reaffirmed this mechanism by defining “Impact Assessment”, for the whole of policymakers across UK government, as a “tool used by policymakers to assess and present the likely costs and benefits (monetised as far as possible)”.

This development is driving HEIs to focus most knowledge exchange activity (KEI) on “REFable” impact, to the exclusion of wider social benefits such as public engagement. As a consequence, a clear pattern emerges with the government as main beneficiary of REF impact, not wider society. We can break this down into two main issues:

The urgency of the approaching REF2021 begs the question of how to steer the “engagement” discussion away from monetary value and turn impact around so that it benefits society at large. To achieve that, we must begin to frame a discussion on the purpose of HEIs that is less focused on economics and more focused on people. Such a framing is at the heart of the Humboldtian model of higher education. This model, originally devised by the Prussian philosopher Alexander von Humboldt, has at its core a concern for a functioning civil society in which citizens, regardless of class, gender, ethnicity or socio-economic status, have the right to obtain the education they need to participate freely in politics, economics, culture, and society at large. Here, education is framed as “Bildung”, not training or skilling individuals for jobs, but instead emphasising the self-dependency and responsibility of students and educators, as well as the process of maturing and learning about the world in a wider sense.

The Humboldtian model provides us with an entry point into a discussion that refocuses the impact discussion on the role that higher education can and should play within society, namely as a platform to obtain “Bildung” – not only for students, but for all citizens. Firstly, because it emphasises teaching alongside research within universities and therefore pushes student learning (not student experience!) up the policy agenda; and, secondly, because it supports the framing of impact in terms of societal development rather than in terms of policy or economic impact (where beneficiaries tend to be the government or other elite consumers of scholarly outputs).

We propose to make impact part of the solution to the REF-imposed, cost-benefit analysis-driven rationale and the marketisation of higher education in general by deploying a Humboldtian framework that does not sustain existing privileges and dynamics of socioeconomic exclusion. To achieve that, it is paramount to take seriously the link between “Bildung” and a strong civil society and (1) pursue impact from academic research that contributes more to engagement, (2) focus “investment” equally on student learning while facilitating equitable access to higher education, and (3) advance the development of genuine knowledge by fostering an academic, not an administrative lead within knowledge exchange and impact.

About the authors

Tina Basi
a channel of the Los Angeles review of books
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American civil rights campaigner, and widow of Dr. Martin Luther King Jr., Coretta Scott King (1927 - 2006) stands behind a podium covered in microphones at Peace-In-Vietnam Rally, Central Park, New York, April 27, 1968. (Photo by Hulton Archive/Getty Images)

I study the history of rhetoric, something that has made me intimately, painfully aware of the long history of hysteria around the idea of a woman speaking in public. The stubborn persistence of this hostility towards female speech is everywhere in evidence—as just one example, take the online and print harassment of the classicist Mary Beard, Inexpensive Sale Online Sale Fashionable elastic waistband cropped trousers Nude amp; Neutrals Agnona Buy Cheap Exclusive vLeMwYdB
in the London Review of Books by tracing the long history of men telling women to shut up all the way back to the Odyssey . And here we are again with Mitch McConnell and Senate Republicans denying Elizabeth Warren the right to take to the Senate Floor and read aloud a letter from Coretta Scott King in opposition to the Cabinet appointment of Senator Jeff Sessions.

In justifying the collective Republican censure of their peer in the Senate Chamber, McConnell explained: “She was warned. She was given an explanation. Nevertheless she persisted.” Already this “nevertheless” has become a rallying cry on social media for those who are horrified by the silencing of Scott King’s letter and Warren’s speech. When I awoke this morning to the many #nevertheless hashtags, I was overwhelmed with that giddy-nauseous feeling of possibility that you get when something in popular culture twangs a string that resonates with your own scholarly obsessions. For in his malice, McConnell has fastened on precisely the best word to describe the disorderly intrusions of female speech in a public forum.

In the pre-modern world, “rhetoric” means the art of verbal persuasion, a craft of public speaking that teaches its practitioners how to shape the beliefs of an audience through verbal skill. In order to teach this skill, the rhetorical system has developed an elaborate, even excessive vocabulary to designate various forms of speech. And because of its ancient obsession with codification, the art of rhetoric has made available to us today a very precise technical term to refer to any unwelcome and unnecessary interruption of a public oration: that term is parenthesis.

We are now in the habit of thinking of parenthesis (if, in fact, we ever think of it at all) as the name for the half moon punctuation marks that set apart a textual insertion within a sentence. However, in pre-modern rhetoric, parenthesis is the name for a rhetorical figure that inserts an unnecessary phrase into an already complete sentence or speech. Superfluity is key: descriptions of parenthesis insist that a parenthesis is an unnecessary interruption, a disorderly distraction from the main point.

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