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Why Google, Facebook and Other Tech Giants' Capital Spending Is Going Sky High
As one tech giant after another significantly hikes its capital spending on cloud data centers and the hardware going inside of them, it's worth asking how much of this spending growth isn't just a product of companies choosing to invest for the long haul, but also because they need to spend a lot more on capex due to recent trends.
It's also worth asking how much all this spending is giving tech giants major long-term competitive advantages against smaller peers that can't afford to match it.
Alphabet/Google (GOOGL) offered the latest evidence that cloud capex is on a sharp upswing when it reported on Monday that its Q1 capex totaled $7.3 billion. Though about half of this figure covers the purchase of facilities rather than cloud infrastructure investments, it still suggests data center spending rose sharply relative to Q1 2017, when Google's total capex (facilities purchases included) amounted to just $2.5 billion.
Facebook (FB) , meanwhile, has guided for its capex to more than double in 2018 to a range of $14 billion to $15 billion. And Amazon.com (AMZN) is coming off a 2017 during which its purchases of property and equipment related to capital leases (much of it related to data centers) rose 69% to $9.6 billion. Amazon also grew its direct capex, much of which is related to warehouse investments, by 53% to $12 billion.
Earlier this year, Bank of America estimated that between them, Google, Facebook, Amazon, Microsoft (MSFT) , Alibaba (BABA) , Baidu (BIDU) and Tencent would grow their capex by 30% in 2018 to $74.1 billion. Google, it should be noted, just spent much more on capex in Q1 than the $3.4 billion BofA expected it to spend.
Notably, when asked on Google's earnings call about its Q1 cloud capex, CFO Ruth Porat downplayed the notion that the spending was a one-off event. "[O]n machines, the biggest contributor [to spending growth] is the demand that we're seeing," she insisted. "[I]n particular, it's the expanding application of machine learning efforts across Alphabet, plus the requirements for cloud and Search and YouTube. And then, secondarily, the increased cost of newer technologies. CPUs, memory, network."
Porat's comments about machine learning investments especially warrant attention. There's clearly an arms race among tech giants to hoard AI research talent that remains in limited supply. And as Nvidia's (NVDA) recent earnings reports make clear, investments in the hardware needed for the processing-intensive task of training deep learning algorithms have also taken off.
Nvidia's flagship Tesla V100 server GPUs, widely used for training work, go for close to $10,000 apiece. And the systems containing them also often feature healthy amounts of DRAM and flash memory. Though some of this spending is directed towards long-term AI work, a lot of it also appears to be going towards existing services (voice assistants, search, photo apps and services, content recommendations, etc.), with tech giants feeling the need to invest heavily in using AI to improve these services, lest rivals gain an edge.
In addition, spending on hardware used for inference -- the task of running trained AI algorithms against real-world data and content -- appears to be growing rapidly. Though inference is much less computationally demanding than training, processing needs tend to be significant when tens or hundreds of millions of consumers are relying on an AI-powered service. Nvidia has argued that over the long run, the inference market is as large of an opportunity for it as the training market.
Video growth is another reason why the cloud giants have been seeing accelerating capex growth. In early 2017, Google's YouTube disclosed that its video viewing had risen 10-fold since 2012 to over 1 billion hours per day (it's presumably even higher now). Facebook has also seen tremendous video growth, with the rollout of live-streaming services on both Facebook proper and Instagram adding to its infrastructure needs.
As Porat alluded in her remarks, higher memory prices are also causing upward pressure for capex. DRAM prices have more than doubled since the fall of 2016, and while flash memory prices have recently begun sliding, they rose meaningfully last year. That's a positive for a company like Micron (MU) , but not so much for its cloud clients.
And with regards to capital-intensity -- the amount a company spends on capex relative to its revenue -- it's worth noting that much of the user growth that companies like Google and Facebook have seen for popular services has come from emerging markets that deliver much less revenue per user than the U.S. and Western Europe. So whereas Facebook had a Q4 average revenue per user (ARPU) of $26.76 in North America and $8.86 in Western Europe, its ARPUs for the Asia-Pac and "Rest of World" regions were just $2.54 and $1.86, respectively. The latter two regions accounted for over 90% of its Q4 monthly active user (MAU) growth.
Nonetheless, the fact that cloud giants can afford to make such huge capital investments without flinching are putting them on even stronger competitive footing relative to smaller rivals. Just ask Snap (SNAP) , which has suggested it's not trying to expand for now in emerging markets that are tough to monetize, due to the infrastructure costs associated with supporting all the video that additional users would upload and share. Facebook's Instagram and WhatsApp, both of which now have over 300 million daily users for their Snapchat Stories clones, don't have any such hang-ups.
Likewise, the massive sums that cloud giants are spending on both AI hardware and talent, together with the huge quantities of user data they have for feeding their training systems, make it tough for smaller rivals to launch competing services. And the giant data center build-outs being carried out by public cloud service giants Amazon, Microsoft and Google make it tough for smaller rivals such as Oracle (ORCL) and CenturyLink (CTL) -- rivals that are also generally at a disadvantage in terms of the number of features they provide -- to keep pace.
Either way, the hardware and chip suppliers acting as arms merchants to the cloud giants are the biggest winners in the near-term. For companies such as Intel
and Broadcom
, whose PC and/or smartphone chip sales have come under pressure, the cloud has become quite the safe haven.
Jim Cramer and the AAP team hold positions in Alphabet, Facebook, Amazon, Microsoft, Nvidia and Broadcom for their Action Alerts PLUS Charitable Trust Portfolio. Want to be alerted before Cramer buys or sells GOOGL, FB, AMZN, MSFT, NVDA and AVGO? Learn more now.

subset: commoncrawl


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MIGUEL WILLIS, Founder
- Miguel Willis is a second year law student at Seattle University School of Law. Miguel founded and organized the first Social Justice Hackathon in Seattle, WA, bringing together law students, lawyers, non-profit organizations, and software developers to crank out apps and programs that help increase access to legal services. Teams worked throughout the weekend on projects that aimed to make legal services more accessible to the 80% of the poor and 60% of the middle class who are unable to afford legal representation. Among the programs developed in just one weekend were Court Whisperer, which allows people to fill out court documents by speaking, PaidIt, an app that helps tenants fight eviction by providing proof of paid bills, and Social Justice League's legal advice clinic app used by pro bono attorneys to "shop for" and send clients self-help materials relevant to their situation. The impact of the hackathon is long-lasting not only because low-income legal aid and pro bono clients will benefit from the apps, but also because more partners like the Seattle's Mayor, Microsoft and a growing number of legal aid organizations are joining the cause and looking forward to continuing to organize hackathons. Miguel's work on the hackathon has had a national impact as he's presented as a national hackathon symposium and been a resource for other law students and lawyers trying to do similar things in other states. He was recently recognized as "Law Student of the Year" by the National Jurist for work with the hackathon and other endeavors.
- Law school is expensive and textbooks are no exception. In his first year of law school, Miguel worked with a developer to create CaseBooker, an app that makes it easier to buy and sell used case books for students who are looking for less expensive alternatives to buying new books. Miguel's CaseBooker team made it into final rounds of business planning competitions at both Seattle University and University of Washington.
- Miguel's commitment to racial justice is demonstrated by his leadership and activism. Through his leadership roles as President of the law school's Black Law Student Association and Director of Marketing for the National Black Law Student Association, he has been involved with several youth of color mentorship programs and regularly helps our Admissions Office personally recruit law students from historically Black colleges and universities.
- Miguel's passion for technology and social justice intersects with his commitment with mentoring youth and empowering communities of color. He frequently gives presentations about creating more opportunities for youth of color in the fields of law and technology.
- During the course of serving as a Law Student Liaison for the King County Bar Association (KCBA) and volunteering for its Young Lawyers Division's legal advice clinic, he became aware of KCBA's call for lawyers to support the building of a new juvenile detention center and decided to step down from his KCBA position. He helped lead a movement among law students at Seattle University.
- Miguel has volunteered with Wayfind, a pro bono organization that matches pro bono lawyers and law students with nonprofit organizations and low-income microentrepreneurs. He works side by side with business and other transactional lawyers, assisting with advising clients with issues ranging from board governance to contracts and leases to intellectual property.
- He directs the Application/Cultivation/Elevation (ACE) Program, a six-week program where youth learn how innovate. Instructors introduce their business and throughout the program slowly unpack the essential necessities of owning a successful business. Through this program, student participants learn conceptualization, teamwork, innovation techniques, elevator speeches/public speaking skills, branding, promotion, design, how to make a legitimate business presentation, and how to make an app.
- Prior to studying at Seattle University School of Law, Miguel worked at the Department of Justice Office of Immigration Litigation, where he served as a paralegal for six years. Despite having his hand in a myriad of social justice work as described above, he has continued to be involved with immigration advocacy. He regularly volunteers with several immigrant service organizations including Ayuda Immigration Services Organization and Lutheran Social Services Immigration Division.
- Miguel currently works with the City of Seattle, Office of Immigrant & Refugee Affairs, where he is assisting on content and strategy for the creation of a Citizenship web portal. The web portal will be a one stop shop for residents of Seattle and surrounding King County cities to obtain resources to assist with becoming U.S. citizens.


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sight of your cities
pains the eyes of the red man.
But perhaps it is because the red man is
a savage and does not understand. There is no quiet
place in the white man's cities, no place to hear the leaves
of spring or the rustle of insects' wings. Perhaps it is
because I am a savage and do not understand,
but the clatter only seems
to insult the
Indian prefers the
soft sound of the wind darting
over the face of the pond, the smell of
the wind itself cleansed by a midday rain,
or scented with pinon pine. The air is precious
to the red man, for all things share the same
breath — the animals, the trees, the man.
Like a man who has been dying for
many days, a man in your
city is numb to the
Chief Seattle


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Lea Lexis
Submitted2 years ago
Description: This update documents our first Public Disgrace shoot in Europe! Lea Lexis is a total exhibitionist who loves public sex, so that made her the perfect candidate for this new adventure! It was always Lea's fantasy to get fucked by the castle, so that is exactly where we take her. The shoot starts off quick with Lea restrained in metal shackles and giving a blowjob in the courtyard of the castle. Then she is chained to a post, ball gagged, and left for people to observe. Apparently, the castle was a little too high profile a place for public sex, so we had to relocate to somewhere a little less famous! Join now to find out where we go next!


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Federal Contractor Misconduct Database (FCMD)
Radiological Contamination at the Hanford Plutonium Finishing Plant in 2017 and 2018
The Department of Energy (DOE) investigated the circumstances surrounding the spread of radiological contamination outside of the Plutonium Finishing Plant at the Hanford Site in 2017 and 2018. The contamination led to radiological intakes to 11 employees, resulting in committed effective doses of up to 13 millirem. The DOE issued a preliminary notice of violation (PNOV) to CH2M Hill Plateau Remediation Company outlining deficiencies in (1) contamination control, (2) monitoring of areas, (3) quality improvement, (4) hazard analysis, and (5) unreviewed safety questions, and finding three Severity Level II violations and two Severity Level III violations. The DOE imposed no civil penalty due to "significant adverse contract actions already taken": CH2M Hill's contract fee in fiscal year 2018 was reduced by approximately $1.8 million due to the deficiencies, and its FY 2017 fee was reduced by approximately $1 million due to a "precursor event in June 2017."
- Misconduct Type
- Labor
- Enforcement Agency
- Energy
- Contracting Party
- Energy
- Court Type
- Administrative
- Disposition
- Investigative Finding
- Date of PNOV
- 4/1/2019
|Contractors Involved
|CH2M Hill Companies, Ltd.
|Further Information


text: This iconic running-inspired model is packed with premium updates. The adidas ZX Flux descended from the ZX 8000 runner using archival forms to emerge as something new. This ZX Flux ADV X iteration is an innovative addition to the family, coming crafted from a premium nubuck leather with a single-piece fold-over tongue construction. The signature heel cage lends a technical element to a classic runner while supreme comfort is ensured through the injected EVA midsole.


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How Do You Date Copeland Spode China Using Pattern Numbers?
Use the Spode archive and information in books on Copeland Spode china history to determine the approximate age of the company's products. Also, learn about Spode backstamps to date pieces more easily by sight.
One of the most comprehensive books available on Copeland Spode china is "Spode & Copeland Marks and Other Relevant Intelligence," written by Robert Copeland. This book details more than 300 individual backstamps. Typically, Coleman Spode china products featured a pattern code that allowed customers to tell the year and month in which a particular piece was made, but these changed frequently over the years the company spent in business.
When assessing the age and value of a Copeland Spode china piece, it is helpful to divide the company's history into four distinct periods of ownership, beginning with the start of the Spode company's business until 1833. At this point, Spode craftspeople did not always mark their pieces, but typically did so in red paint. Between the years 1833 to 1847 the company, then known as Copeland and Garrett, usually printed backstamps on its pieces, but also impressed backstamps occasionally. Between the years 1847 and 1970 the Copeland family owned the company entirely and typically printed backstamps with a variation on the Copeland family name on its products. After 1970, the company changed its name to Spode and began using a newly standardized printed backstamp on all of its products.


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Why do some folks jokingly call the mosquito the state bird here in Minnesota? Because they're big, they're aggressive, and there are lots of them here in the summertime. Most — if not all — people hate them, but our Muscovy ducklings just love them — for feed, that is. Young ducklings, from the second day of their lives, go after those bloodsuckers all day long. By the evening, the little ducklings are so stuffed they can hardly move. They probably take care of thousands of mosquitoes and other small insects.
Our yard is practically mosquito and tick-free without using any chemicals. Grasshoppers also are a favorite snack, if the mother ducks don't get them first. The only bugs the ducks don't care for are the box-elder bugs, except when they see a flying one, mistaking it for a mosquito. I'm keeping the ducklings out of the garden, though, as they like to nibble on young vegetable plants, too.
Isanti, Minnesota


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© University of Massachusetts Amherst. All rights reserved.
When conscripted during the First World War, members of the historic peace churches (Quakers, Mennonites, and Brethren) were typically provided with a stark choice: serve the military in a non-combatant role, which many refused, or serve in prison. The resulting experiences of conscientious objectors during the war, both the brutality inflicted upon them by their guards and their ardent non-compliance was viewed by both government and church as problematic. With the approach of the Second World War, leaders of the peace churches therefore banded together to work with the federal government to create a more satisfactory system for dealing with individuals who refused participation in the military for religious, moral, or ethical reasons.
As a result of peace church lobbying, the Selective Training and Service Act of 1940 included a provision for conscientious objectors (COs) from any tradition to "be assigned to work of national importance under civilian direction." Beginning in May 1941, COs were interned in barracks in a series of Civilian Public Service camps around the country, all funded by the churches, and assigned arduous work that ranged from forestry to firefighting, soil conservation and agriculture, and psychiatric care. Many internees refused even this accommodation with the military and several camps were subject to work stoppages or strikes during the later years of the war. The most non-compliant internees were remanded to federal prison. The camps remained in operation until March 1947, a year and a half after the end of the conflict.
This small collections contains newsletters and copies of two letters written by conscientious objectors interned in Civilian Public Service camps during the Second World War. The newsletters offer insight into the conditions of internment, the prisoners' religious motives, the war, and social life inside the camps.
The collection is open for research.
Most of the material in this collection has been digitized and is
Acquired from Eugene Povirk, 2009.
Processed by Kristen Johnson, January 2011.
Among other collections in SCUA pertaining to World War II-era conscientious objection, see:


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Tru by Hilton
Tru by Hilton Deadwood is designed to be all about you. Play board games, work out in the fitness center, or log some work time in our sound-absorbing alcoves. Affordable travel now comes with unexpected things – like certainty.
Be carefree at Tru by Hilton Deadwood, attached to Cadillac Jack's Gaming Resort in Deadwood, SD. We're steps from historic Main Street and close to museums and one-of-a-kind spots that make travel fun. Say ahh to efficient rooms with free WiFi and a 55-inch TV with 150 channels. Whenever cravings kick in, you'll find drinks, gourmet snacks and single-serve beer and wine in our 24/7 market.
372 W Main St, Deadwood, SD 57732


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Ron Paul May Endorse Gary Johnson for President
Ron Paul has had a good 2012 presidential run.
After successfully changing the country's conversation regarding military spending and the deficit, the Texas congressman stood by his libertarian principles during a Republican National Convention in which he refused to "fully endorse" Mitt Romney.
And, recently, Paul appeared on NBC's The Tonight Show With Jay Leno where the congressman pretty much confirmed everything he's said during the last couple of weeks regarding his unshakeable commitment to liberty.
Paul has continued to champion liberty, as his son Senator Rand Paul (R-KY), who did speak at the RNC in Tampa, is rumored to be laying the ground for his own 2016 presidential run. Paul told Bloomberg News he remains "skeptical" of Mitt Romney after hearing the former governor of Massachusetts' nomination speech. "There was no talk of the Federal Reserve. One of the engines of spending is militarism and empire and he enhanced. He was pushing it," Paul said.
Conversely, he offered praise for the Libertarian Party nominee for president Gary Johnson. "I think he's wonderful, and I think he's doing a good job and people should look at him and every individual should make up his own mind," Paul told Fox News about the former New Mexico governor and former fellow Republican presidential candidate -- whose situation is uncertain as the GOP moves to block third party candidates from some states' ballots this November.
So is an endorsement on behalf of Gary Johnson what Paul was referring to when he told Leno he'll continue "plugging along" during the 2012 election? It remains to be seen. However, it would be of great help to Johnson who -- unless he improves in the polls -- will be shut out of the upcoming general election debates.


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In March, Nissan teased us with a new sedan concept it had designed "for the Chinese digital lifestyle." At the 2014 Auto China, the Japanese carmaker has finally revealed the vehicle, and it's called the Lannia Concept.
The concept is supposedly the second model to come out of Nissan's China design center, which opened its doors in 2013. The Lannia Concept features Nissan's signature trademarks like the V-motion grille, the boomerang headlamps, and the 'floating' roof.
"The Lannia Concept joins our growing family of China-focused models," said Nissan chief planning officer Andy Palmer. "It was designed by Chinese, built by Chinese for the Chinese people, and ultimately, for the world."
Could this mean that, if the Lannia Concept goes into production, we might see it on our roads? Only time--and Nissan Philippines--can tell.


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Raw Images
Image of Prometheus
N00179862.jpg was taken on 2011-12-31 17:37 (PST) and received on Earth 2012-01-01 10:23 (PST). The camera was pointing toward Prometheus, and the image was taken using the CL1 and CL2 filters. This image has not been validated or calibrated. A validated/calibrated image will be archived with the NASA Planetary Data System
For more information on raw images, checkout our frequently asked questions section.
Image Credit: NASA/JPL-Caltech/Space Science Institute


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I added some punk rock albums to my collection this weekend and one, in particular, has been spinning constantly on my turntable, the self-titled debut from The Diodes.
The USA had the Ramones leading the pack and the UK had The Clash and The Sex Pistols up front. While Canadian punk rock did not get the same attention, we sure had a few bands that were holding their own and representing us well. The Diodes were definitely one of these Canadian bands.
The Diodes had Paul Robinson on vocals, John Catto on guitar, Ian MacKay on bass and John Hamilton on drums (later replaced by Mike Lengyell). Formed in Toronto in 1976, The Diodes and their manager Ralph Alfonso opened the first known Canadian punk rock bar in Toronto called Crash 'N' Burn in 1977. It was very short lived, closing down in the same year due to complaints from the other tenants in the building. This bar housed many of the great Canadian punk bands in its short life including Teenage Head, The Dead Boys and, of course, The Diodes. You can see some footage of this bar on YouTube from a film released in 1977 called "Crash 'N' Burn". The bar was basically just a warehouse with a stage where punks could rock out and be themselves.
Playing at Crash 'N' Burn helped The Diodes get some attention from the media, including many magazines like Creem, Melody Maker, and New York Rocker, all before they even released an album. The Diodes were signed to Columbia records and released their self-titled debut album in late 1977. Regardless of them previously being written about in magazines, this album lacked media hype when it was released. Most of the music press and critiques were elsewhere with their attention focused on the UK and US punk rock scene, so this album did not get near the same praise and recognition. However, in my opinion this is definitely not due to quality. This is a great punk rock album with twelve solid songs, including two cover songs: Shape of Things originally by The Yardbirds, and Red Rubber Ball originally by The Cyrkle. While not becoming huge, they did manage to perform with some pretty huge names including The Ramones, U2, Split Enz and The Runaways.
This debut album really captures the feel of punk rock in the late 70's. If you see a copy of this at a record store, I highly recommend you pick it up. It was not available on CD (and still technically is not), however they released a "best of" compilation in 1998 combining most of their first two albums. The Diodes only lasted with Columbia for their first two albums, then being dropped as people were just not catching on. Once dropped by Columbia, they released two more albums on independent labels before calling it quits.
The Diodes were a great band that lasted only a short while and released their last studio album in 1982. While they are the not most well-known Canadian band or the most rich and famous, they had left a strong mark in the punk rock movement and had some very strong albums in their short life, which is definitely a reason to be proud.


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© 2022 Dispela Antique
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A beautiful set of six large leaves Murano glass sconces, they are much more beautiful in person, the color of the sconces don't look even, but it is actually quit even, price is for the set of four.
OF THE PERIOD Mid-Century Modern
PLACE OF ORIGIN Italy
DATE OF MANUFACTURE 1960s
MATERIALS AND TECHNIQUES Glass, Brass
CONDITION Good
WEAR Wear consistent with age and use.
DIMENSIONS H 18 in. x W 8 in. x D 6.5 in.
H 45.72 cm x W 20.32 cm x D 16.51 cm
SELLER LOCATION Los Angeles, CA
SOLD AS Set of 4
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Charleroi of Belgium striker, Victor Osimhen could be on his way to AC Milan of Italy in the summer for a fee of €15m, from which his present club will get only €3m.
Although it appears Chaleroi would be eligible to only a marginal part of Osimhen's transfer fee, the Belgian outfit are ready to let the striker go.
This is basically because Osimhen is only on loan at Charleroi from VfL Wolfsburg of Germany, who will expectedly get the lump sum of his sale in the summer, and the Belgian club are set to accept the little portion.
However, the story does not end there, as a fourth club has also crept into the picture, with additional reports indicating that Osimhen could eventually be on his way to Lille Metropole of France.
That is because Milan are bandying an idea of shipping him out on loan to the former club of Peter Osaze Odemwingie and Vincent Enyeama for him to further develop into a lethal striker with five-star ratings.
It is left to be seen how Osimhen would react to a possible loan deal from Milan to Lille, as he had been adverse of similar arrangements that saw him struggle at Wolfsburg before he found his feet at Charleroi.
Osimhen had also spoken strongly of his desire for a deal at Milan and was close to joining them in January, but eventually opted to stick with Charleroi until the end of the current season.
A source close to the Chile 2015 FIFA U-17 World Cup top scorer and eternal highest goals getter in the Cadet Mundial disclosed details of the plan being outlined for the star, which he believes is best for his career.
The credible source disclosed: "A two year deal with Lille with the option of a recall after his first season has been discussed extensively by the French side and Milan with Osimhen representatives also in the know about development ahead of the planned move in the summer."


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You will probably know that I work for Andromeda Spaceways Inflight Magazine. We have just released issue number 45, which is available in print and PDF from this site
If you like varied short stories, or want to submit to the magazine, go and buy an issue, or a subscription. We will also have a stand at Worldcon.
Table of Contents:
Edited by … Jacob Edwards
Shaping Lily … Deborah Kalin
Amor Vincit Omnia … K J Parker
Count (Baron) Dracula and Baron (Count) Frankenstein … Stephen Marley
Dead of the Day … Simon Messingham
They'd Love to Come and Meet Us, But They're Only CGI … Tom Holt
Overlooked … Jacob Edwards
Who's That Knocking? … Eric Frank Russell
The Man Who Invented Time Travel … Graeme Garden


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March 16, 2018, Barcelona, Spain: The ability to generate spoken verbs in infinitive in a given time begins to worsen in the early stages of Alzheimer's disease (AD). Thus, the verb fluency test has been found to be a suitable neuropsychological tool for the detection of healthy aging people at risk of developing cognitive impairment, according to a recent research of the Research Center and Memory Clinic. Fundació ACE. Institut Català de Neurociències Aplicades, UIC-Barcelona, Spain.
The study reports a large single-site clinical cohort of 568 cognitively healthy, 885 Mild Cognitive Impairment (MCI) and 367 mild AD dementia individuals, undertaken and led by Fundació ACE Research Center and Memory Clinic. For the purpose of the study, they were administered the verb fluency test, apart from the neurological and neuropsychological assessments as part of the diagnostic procedure. Longitudinal analyses were performed in 231 CH and 667 MCI subjects to search for verb fluency predictors of diagnosis conversion. All individuals were older than 44 years old, had an educational level of at least elementary school (that is, at least 6 years of formal education) to ensure the correct understanding of the verb fluency test, had completed the verb fluency test and had been administered the Neuropsychological Battery from Fundació ACE (NBACE) (Alegret et al., 2012), their DNA was available, and had completed the diagnostic procedure with a baseline final diagnosis of CH, MCI or mild AD dementia.
Most of previous research with verbal fluency used category and letter fluency tasks (which demand generating names) to assess their subjects, not verb fluency. Since generating verbs is more cognitively demanding than generating names and verb fluency has been less commonly used than category and letter fluencies, "Alegret et al. raised the hypothesis that verb fluency task might be a suitable tool to detect subtle performance deficits in patients with MCI and mild dementia who otherwise perform normally on other cognitive tests" says doctor Montserrat Alegret, Neuropsychology Chief of Fundació ACE.
The results of this study showed a worsening on verb fluency performance from CH, MCI to AD dementia groups. Moreover, worse scores in verb fluency task were significantly related to conversion from CH to MCI, and from MCI to dementia. When the effect of time to conversion was analyzed, a significant effect of verb fluency was found on the faster conversion from CH to MCI, but not from MCI to dementia. Finally, verb fluency cut-off scores and sensitivity/specificity values were calculated for age and/or education groups for use in identifying individuals with cognitive impairment.
The most recent studies about AD are focused on the detection of its preclinical stage. The results of this study reveal that verb fluency test may be a useful tool for the differential diagnosis of cognitive failure in the elderly. Verb fluency test provide a useful gradation of impairment from normal aging to MCI and mild AD. Moreover, it is a suitable neuropsychological tool for the detection of healthy aging people at risk of converting to MCI. "If we consider the results of our study and the shortness and ease of administration of verb fluency test, without the need for any other instrument than a stopwatch, we recommend adding verb fluency test in the context of a complete neuropsychological assessment, but not in isolation, in a Memory Clinic Diagnostic Unit", concludes Dr. Alegret.
Scientific article in Alegret M, Peretó M, Pérez A, Valero S, Espinosa A, Ortega G, Hernández I, Mauleón A, Rosende-Roca M, Vargas L, Rodríguez-Gómez O, Abdelnour C, Berthier ML, Bak TH, Ruiz A, Tárraga L, Boada M. The Role of Verb Fluency in the Detection of Early Cognitive Impairment in Alzheimer's Disease Journal of Alzheimer's Disease 2018.


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Ask me about my favourite country in the world and I'll tell you about Mexico.
I've been fortunate to have visited over a hundred countries during my past decade of travel, but it's Mexico that never fails to leave me swooning.
I love this country so much that I can't recommend visiting highly enough. Not only is Mexico full of beautiful scenery, world-class beaches, and wonderful locals, but it's relatively inexpensive, too. And the food. The tacos! Mexico is worth visiting for the food alone. And yes, I want to reassure that it is safe to visit.
As I write this now, in December 2021, I've spent a whopping seven months in Mexico, and I'm currently planning on returning for another three in January. Over that time, I've spent several months living in a hippie beach town on the Pacific Coast, two months in central mountain ranges, and two months making my way around the Yucatan. In other words, I've seen a hell of a lot of this incredible country and I'm excited to share this detailed budget breakdown with you all.
Because while I've been making my way across this wonderful country, I've also been tracking every single peso I've spent.
If you're wondering how much it costs to travel in Mexico, let's jump in.
The Cost of Accommodation in Mexico
I'll kick things off by focusing on my backpackers and budget travellers out there. If that's you, you'll be glad to hear that you can get by in Mexico on very little.
The first option you have are hostels. Mexico has hostels in most major city and towns across the country, and they're one of your best options for saving money while still making friends. I always recommend staying in hostels if you're going to be travelling alone!
Hostels in Mexico are similarly priced to the rest of Central America, so you can get by on not very much at all. You can expect to spend around $10-15 a night for a dorm bed, and $30 for a private room, so if you're travelling as part of a couple, you may find you end up spending similar amounts for a private room, as opposed to going with two beds in a dorm.
Airbnb is another option that you're going to want to keep in mind, as staying in a private room (rather than renting out the entire apartment) with a local can often work out to be more affordable as spending a night in a hostel, especially if you're a couple. Head on over to the Airbnb website and you'll find accommodation for as little as $20 a night. You'll be more comfortable than you would be in a hostel, receive faster internet, and will get to hang out with the locals, which is what travel's all about!
If you're on a really tight budget, there are options in Mexico that mean getting to explore the country for free. Couchsurfing has been a budget travel staple for over a decade now, and there are hundreds of thousands of hosts across the country. You'll be able to stay for free with a local and gain an insight into life in Mexico that's tough to experience when staying with other travellers in hostels.
Housesitting is another option if you're going to be travelling without fixed plans. The best option is Trusted Housesitters for Mexico, and you'll want to look at arranging this as far in advance as possible. Housesitting allows you to stay in someone's house for free, usually while taking care of their pets, and is a great way to travel slowly across Mexico without spending much money at all.
Finally, when it comes to free accommodation, you could also check out WorldPackers (use promo code neverendingfootsteps for a $10 discount). Through the site, you'll receive totally free accommodation (and often food) in exchange for a few hours of work each day. Think: working in a hostel, helping with gardening, or even taking care of alpacas. You'll likely make tons of new friends, learn a new skill, and, depending on where you end up, see a side of Mexico that few travellers get to experience.
My Accommodation Recommendations in Mexico
Tulum: Ah, Tulum. One of the most expensive places to visit in Mexico, but bargains can still be had. Casa Almendro comes in at $55 a night — a steal for Tulum — and still manages to have the amenities of a luxury hotel. You're within walking distance of the centre of Tulum, so finding a restaurant becomes a hell of a lot easier. You've got a kickass rooftop area with hammocks to lounge in. It's directly opposite a market, so you can easily buy produce from there to cook, if you feel like eating in one night. And you can even rent bicycles to help you explore Tulum in more depth — something I can't recommend doing highly enough.
Puerto Vallarta: I could say this about everywhere I've visited in Mexico, but I love Puerto Vallarta. It's so much fun! With a great beach and delicious food, it combines the two best aspects of Mexican life. But where to stay? I stayed in Hacienda Escondida at $68 a night, and loved its laidback vibe. You've got a lovely pool, surrounded by a beautiful garden. You've got nearby markets and street food for whenever you get hungry. You've got peace and quiet, away from the chaos of downtown. And you've got a lovely owner who is determined to make sure your stay is as perfect as it can be.
Mexico City: If there's one thing you need to know about Mexico City, it's that it's large. And choosing a hotel — and indeed a neighbourhood — can be overwhelming. I recommend going for a place in Coyoacán, and in particular, I love what Finca Coyoacán has to offer, at a price of $56 a night. You'll be in the perfect place to explore the markets and restaurants of Coyoacán, and be able to retreat each nice to a safe haven with a super-comfortable bed, friendly staff, and even free fruit to snack on! There's a reason why this is one of the best-rated properties in the entire city!
Oaxaca: When it comes to Oaxaca, I wouldn't consider staying anywhere other than La Betulia, which comes in at $98 a night. It's in one of my favourite areas of the city, just a few minutes away from the iconic Santa Domingo church, yet is still quiet enough for you to feel as though you're worlds away from the city. And the breakfasts? Too good! What I love about La Betulia is that they offer up Mexican dishes for breakfast, in addition to the more Western flavours, so you'll get to dive into the country's cuisine and eat as the locals do. With some of the most welcoming locals in the city, beautiful rooms, and a propensity for attracting guests that fast become friends, there's no wonder I can't stop singing its praises!
The Cost of Transportation in Mexico
Mexico's a big country, but fortunately, it's home to a solid public transportation system.
Bus is one of my favourite ways to explore the country, and it's one of the cheapest, too. If you're going to be travelling south of Mexico City, I can't recommend the bus company ADO enough. They run luxury buses throughout this part of the country, offering comfortable reclining seats, air conditioning, and Wi-Fi. They're seriously up-market buses and well-worth paying for. I include some of their prices at the end of this section.
For smaller distances, you'll be able to utilise colectivos, which are minivans that fit around 12 people. Just jump on board, tell the driver where you want to go, wait for the other people to get in, and then stop when you're at your stop. They're very affordable. I travelled by colectivo between Playa del Carmen and Akumal (M$25/$1) and it as super-efficient, easy to use, and reasonably comfortable.
Unfortunately, trains don't really exist in Mexico, with a couple of exceptions. Something that's been on my Mexico wishlist for a while now is the Copper Canyon Railway, which runs through Mexico's Copper Canyon and takes around 16 hours. There's also a train that runs between Guadalajara and Tequila, which is known as the Tequila Express. Aside from those two journeys, though, you won't be riding the rails while you're in Mexico.
Once you're on the ground, taxis are prevalent and Uber is available within several major destinations, like Mexico City, Cancun, Guanajuato, Tijuana, and Puerto Vallarta. There's also the Cabify app, which works similar to Uber, to check out, too. If you take regular cabs, you can expect to pay around M$20 to M$25 per km — as with basically every country in the world, expect to have a struggle to find a taxi driver that's using their meter!
If you're confident about driving in another country, you could always look into renting a car to explore the country. I have several friends who have done this and were surprised by how safe it felt to do so. They had no major incidents! A week-long car hire out of Cancun costs $100 for an economy option, so the prices aren't too bad. I use Skyscanner to find the cheapest car rentals.
Finally, I want to talk about flying in Mexico. If the distances are large (say you want to travel from Puerto Vallarta to Cancun), it makes more sense to fly. Mexico is a vast country and overland distances can take many days. I flew from Guanajuato to Cancun to save on the journey time and it ended up costing just $50.
Here are some typical overland transportation costs you'll come up against while you're travelling in Mexico:
- Bus ride from Cancun Airport to Tulum: M$262 ($14)
- Bus ride from Tulum to Playa del Carmen: M$88 ($5)
- Bus ride from Playa del Carmen to Valladolid: M$156 ($8)
- Bus ride from Mexico City to Oaxaca: M$332 ($17)
- Bus ride from Mexico City to Puebla: M$98 ($6)
- Bus ride from Puerto Vallarta to Sayulita: M$42 ($2)
- Ferry ride from Playa del Darmen to Cozumel: M$200 ($11)
The Cost of Food in Mexico
If the food doesn't end up being the highlight of your time in Mexico, I'll be more than shocked. After all, I'm the person who regularly plans trips to Mexico for the sole reason of eating as much food as possible.
In fact, Mexico is my number one country in the world for eating.
And most exciting of all? The local food in Mexico is so cheap! You can get by on $1 a meal if you're on a tight budget, but if you're willing to splurge, you'll be looking at paying as much as $5-10 per meal. It's all so inexpensive. And delicious! Have I mentioned that it's delicious?
One dish that you have to try in Mexico is cochinita pibil — it's my favourite thing to eat in the country! Cochinita pibil is pulled pork shoulder that's been slow-roasted and braised in achiote, orange juice, and lime. Throw some pickled onions on top, and you have the most incredible dish. It's tender, tangy, full of flavour, and you can eat it in sandwiches and tacos for a dollar or two. You'll find it everywhere in the Yucatan.
Tacos are probably going to fuel your Mexico sightseeing activities, as they're cheap, delicious, and easy to find. You'll eat them in a corn tortilla rather than a flour one that's more popular in Western countries, and there are dozens of different flavours to choose from.
One of my favourites is tacos al pastor, which features schwarma-style pork and grilled pineapple, but I also love the chorizo, carnitas (deep-fried pork), and carne asada. In case you hadn't realised, yes, I'm a big fan of pork.
The Cost of Activities in Mexico
The cost of your activities are going to vary based on which part of the country you're going to be visiting. In the Yucatan, much of your pesos will be spent on ruin-hopping and jungle-trekking; on the Pacific Coast, you'll all about whale-watching and surfing.
These are the entrance fees (2021) to many of the popular attractions across the country:
- Entrance to Chichen Itza: M$242 ($13)
- Entrance to Coba ruins: M$75 ($4)
- Entrance to Tulum ruins: M$70 ($3.50)
- Entrance to Cenote Dos Ojos: M$350 ($18)
- Entrance to Guanajuato's Mummy Museum: M$50 ($3)
- Entrance to Mexico City's National Museum of Anthropology: M$70 ($4)
- Entrance to Oaxaca's Hierve el Agua waterfalls: M$25 ($1.50)
- Entrance to Mexico City's Frida Kahlo Museum: M$25 ($1.50)
- Entrance to a Lucha Libre wrestling match: M$100 ($5)
As you can see, the attractions are all pretty reasonably priced.
Let's now take a look at the typical activities you can do in Mexico, as well as their costs. Whenever I visit a country, I always make sure to check out the tours that are available on Get Your Guide. I book 99% of the tours I take through there.
Other activities include:
Early entrance to Chichen Itza: $55
Sightseeing and Snorkelling catamaran cruise from Cancun: $65
Rio Secreto underground river tour: $85: $144
Luxury sailing and snorkelling tour from Cabo San Lucas: $84
Mexico City market and street food tour: $45
Jungle buggy tour from Playa del Carmen with cenote swimming: $90
Snorkelling tour to the famous Marietas Islands from Puerto Vallarta: $85
Overall, then, if you're going to be travelling to Mexico on a budget, you can see that the activities are really going to be where your costs start to increase. Still, I don't think the prices for the tours are outrageous — they're similar to what you'd pay in the U.S. — although they may be something you'll want to skip out on if you're watching your money.
The Cost of Miscellaneous Items in Mexico
A Mexico guidebook: A guidebook will give you an in-depth look into Mexico's culture, suggest the perfect itineraries for the amount of time you have, and offer recommendations for where to eat and what's most worth doing. I like Rough Guide's guidebooks, and their Mexico offering receives great reviews.
Travel insurance: Travel insurance is my one travel essential! I firmly believe that if you skip out on buying insurance, you shouldn't be travelling at all. The consequences of traveling uninsured can be disastrous. Fall and break a limb in the middle of the Mexican jungle? The cost of being airlifted home could easily soar into the six figures.
I've seen far too many Go Fund Me campaigns from destitute backpackers who have been unexpectedly stranded in a foreign country after a scooter accident/being attacked/breaking a leg with no way of getting home or paying for their healthcare.
Travel insurance will cover you if your flight is cancelled and you need to book a new one, if your luggage gets lost and you need to replace your belongings, if you suddenly get struck down by kidney stones and have to be hospitalised, have your camera stolen and need to buy a replacement, or discover a family member has died while you're overseas and you need to return home immediately. If you fall seriously ill, your insurance will cover the costs to fly you home to receive medical treatment.
I've used World Nomads as my travel insurance provider since 2012 and recommend using them while travelling in Mexico. I've made two claims with them during my travels — once, when I smashed the screen of my month-old phone! WorldNomads covered the $400 repair cost, less my $100 excess. And most recently, I scratched my rental car while parking in New Zealand. The damages came to $1,500[!] for that one, but WorldNomads paid the full cost to repair the vehicle, without me needing to pay any fees or excess.
Departure tax: One thing you'll want to pay attention to as you buy your transport to Mexico is whether the departure tax has been included in your booking. For most airlines, it will have been, but if it's not, or if you'll be travelling into Mexico overland, you'll be up for paying a departure tax when you leave.
I actually travelled overland from Mexico to Belize and was told I had to pay the departure tax (M$1,150/$60) when I crossed the Mexican border. Fortunately, I'd done my research in advance and printed out an itemised receipt of my flight into Mexico. That receipt showed that the departure tax had been included in the flight price, so I was free to skip out on paying it. The 30-odd people on my bus weren't so lucky.
A dry bag: If you're going to be hitting the beaches in Mexico or taking any boat trips, I highly recommend packing a dry bag to take with you. A dry bag has saved me while travelling on so many occasions:
- On a kayaking trip from Koh Yao Noi to Koh Nok, in Thailand, a freak wave splashed over me, as well as my camera and phone. Had I not had them in a dry bag, the water damage would have likely destroyed them.
- On a ferry ride in Thailand, the boat sprung a leak and began to sink. I was able to put my laptop, camera, hard drive, passport, and money in my dry bag, seal it up, and know that they'd stay safe and dry if the worst were to happen.
- I chartered a yacht in Greece and when mooring in tiny bays, was able to fill my dry bag with my camera, towel, and sunscreen, jump in the sea, and swim to the nearest empty beach without worrying about keeping my belongings dry.
- I also think dry bags are fantastic for solo travellers on beach days. In French Polynesia, I filled mine with my valuables and took it for a swim with me, rather than having to leave them on my towel while hoping nobody would grab them.
I love all things Sea to Summit, and after trying several of their dry bags out, my favourite is the Ultra-Sil 8L — it's durable, thin, lightweight, and has never let me down — I've been using it for over five years.
A GRAYL water purifier bottle: In countries with unsafe drinking water, I recommend picking up a GRAYL water bottle to save money on drinking while also helping protect the environment. This bottle comes complete with a filter that makes tap water safe to drink — you fill the bottle with water, slide the filter down to the bottom, then drink away. Doing so kills 99.9999% of all viruses, bacteria, and parasites in water and gets rid of any sediment, heavy metals, or weird flavours, making it completely safe to drink. You can drink tap water anywhere in the world with this bottle and not get sick — whether you're in Mexico, Mozambique, or the Maldives! Trust me — I've used it in dozens of countries and never fallen unwell from doing so.
My Overall Travel Expenses in Mexico
I've spent seven months travelling in this wonderful country, so I have a whole range of budget breakdowns to share with you. Rather than just sharing my overall expenses, I want to break it down by different regions, as well as the cost of travel with the cost of basing yourself in one spot.
Let's get stuck in.
My daily expenses travelling in the Yucatan:
Accommodation: $33.33 a day
Transportation: $1.80 a day
Food: $8.70 a day
Activities: $1.28 a day
Total: $45.11 a day
My daily expenses while living on the Pacific Coast:
Accommodation: $22 a day
Transportation: $0.35 a day
Food: $9.20 a day
Activities: $1.75 a day
Total: $33.30 a day
My daily expenses while living in Oaxaca:
Accommodation: $6 a day
Transportation: $0.20 a day
Food: $7.30 a day
Activities: $1.14 a day
Total: $14.64 a day
My overall daily expenses from seven months in Mexico: $31.02 per day
Related Articles on Mexico
🏖 28 Incredible Things to Do in Puerto Vallarta, Mexico
🏝 24 Incredible Things to Do in Playa del Carmen, Mexico
☀ Isla Mujeres: My Mexican Island Paradise
🌈 Guanajuato: The Prettiest City in Mexico
🐚 Tulum and the Best Beach Ever
🧐 A Love-Hate Relationship with Playa del Carmen
🙈 That Time I Stayed in a Hotel Without Walls
🏡 Finding An Apartment in Sayulita
[Photo of tacos via: Marcos Castillo/Shutterstock; of the cenote via: Simon Dannhauer/Shutterstock]


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AHHHHHHHHHH!!!! Just booked my summer trip for the wonderful island of Bali, Indonesia!!! Booking now because there are some good deals going on.
Man, I'm ready to sit on the beach and sip some fancy drinks. 🙂
I had just the beach lounging in my mind (ideally going to keep it a relatively cheap trip), but…then I found that apparently Bali is a surfing mecca. And. I've wanted to learn how to surf for ages. Sooooo…. yep. Might be crossing that off the ol' bucket list too! 🙂
So so so excited!
I found a surfing school and for 2.5 hours of instruction, it's $50. And they say that you'll be surfing by the end of the lesson. 🙂
😀 😀


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Looking for topics and / or presenters for the next Webinar. Ideas please.
The first webinar for the CWG Australia was held on the 25th February 2009 and although a small group it was a good beginning for future webinars. It was well represented from Melbourne and Adelaide and it would be good to see some attendees from Sydney and other places.
It was decided that it would be a good idea to poll members on what should be included in the next one.
Ideas: ??? Customer Stories good or bad, ??? maintaining VC systems etc.
Get your thinking caps on and respond with your suggestions using the comments for this discussion topic.
As the Chapter grows, the goal is to have Chapter members be able to participate in other Chapter events, so when the Australian Chapter breaks into a Sydney and Melbourne Chapter, each of the members of either Chapter will be able to participate in the other Chapter events.
This Australian Chapter lead is Phil Martin from Radiant Think and the Chapter Secretary is Prince Celestino from Fujitsu. If you are a VC or IPC professional living or working in Australia and not already a CWG member, we invite you to join the CWG and the Australian CWG Chapter. The LinkedIn Group for the Australian CWG Chapter is also a nice opportunity for CWG members to network with other members.
CWG Member Companies in Australia include:
|Bluescope Steel
|BOC Australia PTY LTD
|BOC Gases
|Commonwealth Bank of Australia
|Corporate Express
|Courtland Business Solutions
|CSC Australia
|CSR Ltd
|Dow Corning
|EDS Australia
|Hanson Construction Materials
|Fujitsu ANZ
|Plaut Australia
|Radiant Think
|Reserve Bank
|SAP Australia
|Schneider Electric
|Sealed Air Corporation
If your company has not taken advantage of the education, forums, presentations and networking at the CWG conferences because these conferences are too far away and your company uses the SAP Variant Configurator or SAP IPC or SAP CRM IPC, request to join the larger CWG organization by selecting "Membership" in the left column of this webpage. Then, you as an individual and company can begin to take advantage of the benefits and free information and networking in this Chapter.


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11 Pillows That Say Just What You're Thinking
And just like you, sometimes they're sassy and sometimes they're sweet.
And just like you, sometimes they're sassy and sometimes they're sweet.
Because binging on Netflix and popcorn is often more fun than a night out on the town.
Send the message that you're always up for an impromptu trip the beach.
$39, denydesigns.com
A reminder that's undoubtedly adorable (but not overly sweet) can sit in your kid's room for years to come.
$13, sweetyfairy.etsy.com
An excuse to put off vacuuming for one more day? Sold.
A cheery bike and a sunny outlook are right at home in a relaxed living room.
This 21st century fact made us chuckle (#sotrue).
$20, society6.com
Whether you're talking about the pillow itself or the guy snuggled next to you, this sentiment totally applies.
$45, denydesigns.com
On days that seem insurmountable, this DIY pillow offers a boost of confidence as you walk out the door.
We fully support a pillow that guilts you into a scheduling a much-deserved mani-pedi.
$20, society6.com
Sneak this one into your husband's "man cave." It serves as a gleeful reminder that he's not the only one who knows how to have fun.
Just in case anyone didn't take the hint that, yes, you will be sleeping in on your birthday (and Mother's Day, and your anniversary...)
$35, dormify.com


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Do you have anything you would like to share with us? We'd love for you to so we can add it!
Thank you again for putting together such an amazing experience for my family and I.
We wanted to thank you for helping us plan our honeymoon to Walt Disney World. It was trutly a magical trip that we will treasure for a lifetime. Thank you for all of your help in making this trip go so smoothly. I cannot imagine planning it on my own. It was a lot more than what we were expecting. Again, Thank you for everything and I hope you can help us plan our next trip soon. J
Thank you for making our dream vacation a reality beyond anything we could have imagined. Everything about our trip to Italy and the Mediterranean was perfect in every way. It was the perfect blend of free time and informative tours. The tour guides were some of the best we have ever had. They were knowledgeable, entertaining and brought the history and scenery to life for us. The hotels were beautiful and provided impeccable service. We are so glad we added the land portion to our original plans and can't thank you enough for encouraging us to change from the group bus tour to a more independent travel plan. Siamo tutti Italiani a cuore! (We have all become Italian at heart!)
Thank you for your professionalism in addressing our concerns during the planning of our trip. We can clearly see why Ferris Travel has been in business for 50 years and we will definitely make future travel plans with your guidance.
-Ken and Rita
We cannot thank you enough for all of your help in setting up our honeymoon! The resort was incredible! We have absolutely zero negative things to say about it. Without you, we would have been playing pin-the-tail on the vacation. Furthermore, we most certainly would not have has the wherewithal to schedule our flights and transports correctly nor efficiently. Thank you for going back and forth with us to schedule a beautiful resort, in our time frame, and within our budget!
-Matt and Kelcey
Thank you so much for helping us plan our Europe vacation. It couldn't have gone any better. It was perfect. Thank you for the time you put into helping us. I will highly recommend you to my friends. Thanks again for helping us have an incredible vacation!
-Jeff and Nicole
Ferris Travel Service
(262) 544-4474


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An accepted accounting practice is allowing around $13 trillion to 14 trillion of debt to be hidden from global corporate balance sheets, exceeding the roughly $10.7 trillion of declared debt, according to analysts from the Bank for International Settlements.
The culprit? Foreign exchange swaps and forwards, analysts Claudio Borio, Robert McCauley and Patrick McGuire said. These instruments allow money to be borrowed without treating it as debt on corporate balance sheets, muddling the picture of how worldwide obligations.
Corporates use swaps and forwards to effectively borrow and lend money, which can be used to buy foreign securities or assets or hedge exposure to foreign currencies. FX swaps, which mature within a year, are a contractual exchange of two currencies along with an agreed future date and time to switch them back. Forwards, on the other hand, are a contract regarding an exchange at a defined time and price in the future.
Under standard accounting rules, forwards and swaps are treated as derivatives, which means that their net value is what counts, rather than the gross. On the balance sheet this means only the swings in the replacement value for whatever is held in the foreign currency is being recorded, meaning only what is lost or gained through swings in the exchange rate, rather than the full amount.
This makes it very difficult to measure the debt and funding involved, according to the report. The balance sheets show only the final outcome of a series of swap and forward transactions.
To find details, one has to do dive headfirst into the footnotes of filings. This is at the root of the missing debt, according to the BIS.
IMF, Coordinated Portfolio Investment Survey; WTO; BIS semiannual OTC derivatives statistics and debt securities statistics. FX swaps/forwards and currency swaps, global trade and international debt securities
The missing debt amount to some $13-14 trillion. But the implications for financial stability are quite subtle and require an assessment of both currency and maturity mismatches, according to the report.
The problem is, the BIS says, this off-balance sheet debt has to be repaid when due and that in itself poses a risk. But because of accounting conventions, this debt does not appear on the balance sheet: it has gone missing.
Most maturing dollar forwards are probably repaid by a new swap of the currency received for the needed dollars. This new swap rolls the forward over, borrowing dollars to repay dollars, the report goes on to say.
Even so, strains can arise. In particular, the short maturity of most FX swaps and forwards can create big maturity mismatches and hence generate large liquidity demands, especially during times of stress.
Case in point, ahead of the global financial crisis, European banks funded their dollar exposure through interbank loans and FX swaps. But as the meltdown happened, dollar-denominated structured products slumped, causing funding markets to seize and in turn leading to European banks scrambling to get their hands on dollars.
The U.S. dollar
is the main currency in the swaps and forwards market. One of the biggest participants in dollar swaps in the first quarter of 2017 on the other hand are Japanese banks, according to the BIS, when they were net borrowers of about $1 trillion by way of FX swaps.
BIS derivatives statistics Currency composition of FX swaps/forwards and currency swaps


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Well today is the day I have waited for for three years. Yes three years, M2 finally made her First Communion. For those that don't know in our other church M2 was not allowed to make her First Communion because she "wasn't able to comprehend" what the sacrament was about. OK my kiddo is developmentally delayed HOWEVER I am pretty sure the good book says "let ALL the little children come to me" It does not say some of the kids, or just the normal kids or just the girls with long hair. It says ALL. Well apparently the old rector did not think M2 was part of the ALL and for two years denied her the right to the sacrament. Yes I wrote to the Bishop, yes he got in trouble, no it did not matter he would not budge. So we moved.
Today she donned her "princess dress" and walked to the alter with me.
I wanted to cry the whole time all the years of waiting were finally over. M2 was over the moon and had a blast celebrating with her Gramma and Pop Pop. We enjoyed dinner at our favorite restaurant with my BFF and her boyfriend too.
It was a beautiful day and yes as a biased Mom my girl looked beautiful too. So yes today I will rejoice as finally my kid today can embrace a tradition of our church even though she is "not like the other kids."


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American Physical Society Sites|APS|Journals|Physics Magazine
- American Physical Society Sites
- Publications
- Meetings & Events
- Programs
- Membership
- Policy & Advocacy
- Careers In Physics
- Newsroom
- About APS
- Become a Member
Studying physics can be a pretty solitary experience for some — especially for students who don't "see" themselves in the culture of a physics department. Having someone who watches out for them, provides advice, gives guidance, points them toward the appropriate resources, and just listens to them can make the difference between success and the student deciding physics is just not for them.
As mentors, you have access to information, resources, and a life of experiences in the discipline that can be a tremendous aid to students. Though there are many best practices for mentors, perhaps the most important are to care about your mentees and help open doors to their success.
Here are some of the benefits of becoming a mentor in the National Mentoring Community and some of the responsibilities of mentors in this program:
Questions? Feedback? Contact firstname.lastname@example.com
Use your APS web account to register. Don't have an APS web account? Create one here.
For questions, please contact firstname.lastname@example.com.
I love the themed reminder emails and the sense of being part of a larger community.
...I think that the program is very useful. Personally, it helped me to understand the issues the students are facing, and an opportunity to help minority students on a one-on-one basis.


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Before the catastrophic flood that has claimed at least 38 lives and wreaked untold destruction on the city of Houston, Jacob Zalewski was a philanthropist with cerebral palsy who had raised more than $1 million through his nonprofit, the One Step Closer Foundation. Marvin Granit was a local contractor who had built many of the houses that now lie in ruins. And Stewart Hoffer was an attorney who enjoyed kayak fishing. But now they are all something else, too. Each one of them is a part of what is really the biggest story to come out of Hurricane Harvey: the role citizen rescuers continue to play in helping to save a city, and each other.
Zalewski, who is confined to a wheelchair, woke up at 5:00 a.m. on Sunday to find his house filling up with water. Within 45 minutes, it was a foot high. "You didn't have to do a lot of math to see that you would be dead soon if you didn't get out," he said during a phone interview earlier this week. Zalewski's father, a burly mechanic named Hertzel, grabbed his son and tried to make a run for it. Their goal was to get to a friend's house about two blocks away. But after running about half a block trying to hold the 5-foot-4 Jacob over five feet of water, the 65-year-old Hertzel was on the verge of collapse. "His face got pale," said Jacob. "I could feel his heart beating through his chest." Hertzel told his frantic wife, Simcha, to start knocking on doors to ask for help.
Two large men clad only in jeans and suspenders emerged from a nearby house. "It was like a movie," said Jacob. The two strangers offered shelter and food, but the Zalewskis asked them to instead help move Jacob, which they did. When they arrived, they made sure he was comfortable on the couch. "Maybe 15 minutes later, that house began to fill up, too," Jacob said. As the water rose, they put the couch Jacob was sitting on on top of a table. The streets surrounding the house had become rivers. As the water got closer and closer, Jacob was sure he was going to die. They spent 45 minutes trying to get through to 911; when they did, the operator told him there were 2,000 calls queued up before his, 100 of them critical. "They told me I had to do what I had to do to survive," he said. "That's when I started calling my celebrity friends."
Jacob called Montel Williams. The television impresario (who is a vocal supporter of Jacob's foundation) was on a plane at the time, but his assistant got through and let him know what was going on. Williams immediately reached out, sending a text that read: "Jacob, STAY ON THE LINE WITH 911, brother, DO NOT HANG UP !!!!!!!!!! I'M ON THIS."


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Chairman of Arctic Green Energy meets Ségolène Royal
Haukur Hardarson, Chairman and Founder of Arctic Green Energy, was invited to attend meetings with the French Minister for Ecology, Sustainable Development and Energy, Ségolène Royal, on 28 July 2015. Ms. Royal has been visiting Iceland in an official capacity at the invitation of the Minister for Foreign Affairs of Iceland and the Minister for Industry. Ms. Roay also met with H.E. President Olafur R. Grimsson during her visit as well Dr. Gudni Johannesson, Director General of the National Energy Authority of Iceland, Olafur Flovenz, CEO of Iceland Geosurvey and other key players from the Icelandic geothermal industry.
During the meetings, Ms. Royal was presented with an overview of Arctic Green Energy's operations in Asia with a special focus on the successful cooperation project with Sinopec in China. Ms. Royal reiterated the importance of a closer cooperation between Iceland and France in the field of geothermal and other renewable energy utilization during her visit and expressed the wish of presenting concrete intentions in this regard during the 2015 United Nations Climate Change Conference that will be held in Paris this December.
Arctic Green Energy is honored to have been given the opportunity to present its projects during Ms. Royal's visit and pleased to witness the increased importance being given to direct use of geothermal as part of the solution on France´s and the EU's journey towards a greener future


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If you own a mobile phone you are possibly accustomed to brief message service (SMS). Through TEXT, users can send and obtain short messages (approximately 160 personalities) on their mobile phone-commonly known as a sms message. The price of a text is generally a lot less than that of a smart phone call. SMS sustains a wide variety of languages, consisting of logographic languages such as Japanese as well as Chinese. They can also carry binary information, making it possible to send images or logo designs through SMS.
While you might be used to sending as well as getting sms message on your smart phone, you might not be aware that SMS can likewise be used extremely efficiently by companies to communicate with personnel and consumers. When an organization intends to send a text to numerous recipients simultaneously this is called bulk SMS. These messages are sent out by means of specialist online software (an SMS portal). There are numerous business providing SMS gateways as well as bulk SMS messaging. Some simply cover a certain location or country, while others supply a worldwide solution.
To start with you need to decide just how you intend to send your text and which type of solution you will require. Do you desire an SMS application on your computer system or would certainly you prefer to access the SMS solution from the Web? Do you just wish to send your sms message or do you require an extra innovative option, such as being able to send out multimedia messages? If you desire two-way messaging, you will need a company that uses this solution. One more type of SMS messaging that you might intend to take into consideration is a service that dynamically creates and sends out a text from your server to those of the SMS service provider's. There are also a handful of SMS suppliers that use a service which permits the user to send their texts from an Excel spread sheet – making the whole procedure uncomplicated.
However, mobile drivers do not all adapt one standard method to connect to their TEXT Centre – they each tend to have their very own connection methods. This implies that if you want to send a mass sms message to hundreds (or perhaps thousands) of different mobile individuals you are going to need a bulk SMS entrance provider that can link with various mobile network drivers. It is necessary to make sure that your provider has good network coverage (ideally with direct links) to all the mobile operators that you require to reach.
There are many essential aspects to think about when choosing a bulk SMS supplier for your service. If you would certainly choose to use a bulk SMS supplier with tried and tested expertise, look no more than https://www.onewaysms.ph/– a leading world-wide supplier of SMS options. For virtually a decade they have been providing SMS and also MMS services for both huge and also local business, based anywhere in the globe. Discover more from https://www.onewaysms.ph/


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- remove any copyright or other proprietary notations from the materials; or
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This course is intended to provide general movement instructions and exercises. Therefore, you should seek medical advice from a qualified physician or physical therapist before trying any of the exercises or self-treatment suggestions in this video, particularly if your pain is from a traumatic injury. By purchasing this course and embarking on the exercises and/or self-treatment concepts in it, you are assuming the risk that the exercises and self-treatment techniques may not be appropriate for you and may increase your pain or cause you to have new pain or new symptoms. If this occurs, you understand that you should stop the exercises/self-treatment techniques and seek medical advice from a physical therapist or a physician of your choice.
The information in this School is by no means complete or exhaustive and therefore does not apply to all conditions, disorders and health-related issues. The information and instruction in this video is not intended to be "physical therapy" or medical advice, especially since we have not personally examined you and prescribed exercises specific to your individual condition. Any use of the terms "prescribe" or "prescription" in the video is referring to the precision with which the exercise should be done and is not intended the mean the exercises are being prescribed specifically for you or your condition(s). Any reference to or mention of any particular diagnoses or dysfunctions is intended for informational purposes only and not an attempt to diagnose your particular problems.
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If, after attempting an of the exercises or self-treatment techniques in this School, your pain increases, moves to a different location or new or different symptoms arise, you should stop the exercises and seek advice from a physician or physical therapist.
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8. Governing Law
Any claim relating to the School's website shall be governed by the laws of the School Owner's home jurisdiction without regard to its conflict of law provisions.


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Resuming in 2012
So I lied to you. I am sorry. I didn't post pictures of tagliatelle or write about the new restaurants I tried in Rome. I did try many and, of particular note, I had one tagliatelle from Met in Ponte Milvio that was crazy good, but sadly, I have no photos as proof.
I can't offer a good excuse. Just that 2011 was a bit overwhelming for me. However, I have told you this story before, so I won't repeat it. I will just say that I breathed a sigh of relief at the ring of midnight and the start of a new year.
But despite a December filled with doctors and antibiotics first for me, then for my cat, then for my boyfriend. The year also ended with a family-filled Christmas, a friends and fondue-themed New Year's and generally wonderful week in Montreal. And this time I do have photo evidence. Behold.
|One of the most stunning churches
I have been to: Notre Dame in Old Montreal
|A particularly chilly Fiat 500
|St. Catherine Street in one of the many snow storms of the week
|View from a Crescent Street lounge
owned by former race car driver: Villeneuve
|Montreal's famous smoked meat from Schwartz
(Disclaimer: This is not my sandwich. The journalist and not the
vegetarian in me is posting this photo.)
|A variety of Maple Syrup products from Marche Jean Talon
|A Veggie-style Poutine from La Banquise
|Another fantastic dining experience, Les Enfants Terribles, on rue Bernard
|Carre St. Louis and the purple house I fantasize making my own
|The at once classy and bohemian Rue St. Denis
|Ringing in 2012 with a strawberry and rhubarb pie
Living like a tourist in 2012 has gotten off to a good start.


text: This year, San Marcos Unified School District has changed the way in which GATE students are identified. Now, children will be tested if they have been recommended by a teacher or a parent. Testing will occur in the late winter/early spring of 2014, and notification will happen before the end of the 2013-2014 school year. A district letter will go home in the winter explaining this process and allowing you the opportunity to request testing for your child.


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BY Funmi Aboderin||
One thing I have realized through personal experience and my observation of people is that God is responsible for your happiness.
As humans, we love the idea of love as its part of our nature, but sometimes we fail to understand the difference between just wanting to love and actually being ready to love.
When you just want to love, the idea of having a significant other makes you happy, having someone to share stories with, spend countless hours talking to and even taking cute pictures together. Just knowing that there is someone out there that cares so deeply about you overwhelms you with joy.
The constant exhibition of public display of affection between couples, that we see both on social media and in real life fuels this idea of what 'perfect love' should be like. This 'perfect love' portrays a relationship of constant happiness with no…
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