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Micro-, Small- and Medium-Sized Company Risk: Investing in the securities of micro-, small- and medium-sized companies generally will be more volatile, and loss of principal could be greater than investing in the securities of larger, more established companies. Dividend Investment Risk: Dividends are not guaranteed. A company’s future abilities to pay dividends may be limited and a company may cease paying dividends at any time. Indirect Foreign Exposure Risk: Investments in foreign companies are subject to special risks, including currency fluctuations, social, economic, and political uncertainties, which could increase volatility. Fixed Income Risks: Fixed income funds are subject to additional risk in that they may invest in high-yield/high-risk bonds and may be subject to greater levels of liquidity risk. Additionally, investing in bonds entails interest rate risk and credit risk. Municipal Securities Risk: Municipal bond fund income may be subject to state and local income taxes and the alternative minimum tax. Capital gains, if any, will be subject to capital gains tax. Investments in municipal bonds are subject to interest rate risk, or the risk that the bonds will decline in value because of changes in market interest rates. Municipal bonds are also subject to call risk, credit risk, liquidity risk, below investment grade securities risk, and interest rate futures risk. Single-State Investment Risk: A fund that invests primarily in instruments issued by or on behalf of one state will generally be more volatile and loss of principal could be greater due to state specific risk. Please refer to the prospectus for each fund's specific risks. Foreign investment and Emerging Markets risk: Foreign investments can be riskier than U.S. investments. Potential risks include adverse political and legal developments affecting issuers located and/or doing business in foreign countries, currency risk that may result from unfavorable exchange rates, liquidity risk if decreased demand for a security makes it difficult to sell at the desired price, and risks that stem from substantially lower trading volume on foreign markets. These risks are generally greater for investments in emerging markets, which are also subject to greater price volatility, and custodial and regulatory risks.

Please consider the investment objectives, risks, charges and expenses of the Fund(s) carefully before investing. To obtain a prospectus, which contains this and other important information about the Fund(s), is available . Please read the prospectus carefully before investing.

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By Tyler Marshall

Posted on Jul 5, 2017

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How to Start Transcribing with a Text Expander

Recently, we surveyed several hundred transcriptionists on their usage of text expanders and, to our surprise, discovered that only about 70 percent use text expansion. If you’re not familiar with text expanders and how they work, then this post is precisely for you. Text expanders can increase your typing speed (up to 30 percent) and you can earn more as a result.

Tackling Repetitive Phrases

Repeatedly typing the same words and phrases is mind-numbing, increases keystrokes, and burns precious time.

Luckily, it’s possible to automate the typing of repetitive words and phrases and increase your turnaround time (TAT). Text expanders provide the solution.

What Are Text Expanders?

Think of text expanders as similar to the auto-complete or predictive typing on your smartphone. Text expanders use custom abbreviations to insert words or phrases for you automatically.

Insurance transcriptionists often come across the phrase “accident report.” With a text expander, you can eliminate ever needing to type this phrases out, letter by letter, again. By using the abbreviation “acdr,” for example, you can automatically insert “accident report.” Handy, right?

You can use custom abbreviations to insert a wide range of text fragments, from single words to entire paragraphs. Advanced text expansion software can even auto-insert canned email responses, forms, and templates, but let’s keep it simple for now. We’ll save the advanced stuff for a later post.

Text expanders can also increase accuracy. You’ll reduce your spelling and grammar errors by entering words and phrases perfectly once; they’ll automatically be entered that way every time.

What’s in It for Me?

Text expanders require effort to set up, learn, and maintain, but you’ll thank yourself later. Setup involves entering commonly used words and phrases, and creating and memorizing custom abbreviations (the “trigger” text). On an ongoing basis, you’ll want to spend time maintaining and building your dictionary. However, once you’ve integrated text expansion into your transcription work, you’ll be amazed at how you ever lived without it. Using a text expander will reduce your TAT, save keystrokes, improve accuracy, and boost your earnings. The benefits are significant.

Research has shown that transcriptionists can increase their productivity by up to 30 percent by using text expanders. If your earnings typically pencil out to about $15/hour, a 30 percent increase in typing speed translates to $19.50 an hour. Think a 30 percent increase is too extreme? Well, even a more modest 15 percent increase would bring you up to $17.25/hour!

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by Mr Watts

2/12 – Complete Perception Academy Quest Activity

2/13-2/15 “The Man Who Mistook Himself for a Hat”

2/15 – Vocabulary Quiz (“The Gift of the Magi”)

2/16-2/19 – Presidents Day No School

2/20 – Brain Science Unit Exam

2/21-24 Essay Writing Process

2/27 – Begin Short Story Unit (Edgar Allan Poe)

The Perception Academy Quest takes students through a series of linked activities that focus onbrain disorders and how they affect what we perceive and how we respond to the world around us. Students move through the periods of a school day as though they have one of the perception disorders detailed in the Oliver Sacks book. Students master excerpts from this difficult non-fiction text, building on the work they’ve done during the neurology unit so far. Hopefully the quest encourages students to continue reading in the sciences on their own.

Great job on those case study posters!

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by gsolis

Hello Everyone,

We are officially halfway through the year having wrapped up quarter 2! In math class, we are in the middle of our unit on expressions and equations (algebra!). The unit will wrap up in a few weeks, culminating with an exam on March 2nd. This is the longest and most important unit of the year. Seventh graders have shown A LOT of growth in math class. Most students met or exceeded their projected growth on the winter MAP test. Below are some important dates to remember:

Friday 2/2 – Middle School Parent Teacher Conferences –> link: www.SignUpGenius.com/go/4090B4AADAC23ABFA7-middle2

Saturday 2/10 – OTA Family Dance

Thursday 2/15 – Math Quiz

Friday 2/16 – Monday 2/19 – No School (4-day weekend)

Friday 3/2 – Math Exam

As usual, contact me with any questions!

-Mr. Solis

Posted on by gsolis

Hello Everyone!

Wanted to provide an update regarding math and other important dates. We are currently in our algebra unit! Things are getting a lot more difficult now as we work on generating equivalent expressions with complex rational numbers. Here are important dates to keep in mind:

1/11 – 1/12 – Math MAP Testing

1/15 – No School (MLK Day)

1/19 – Math Quiz and OTA Family Skate Event

1/26 – End of Q2

Contact me if you have any questions

-Mr. Solis

Posted on by Mr Watts

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Posted on by tschlose

Hello Middle School Families!

And not only were there inexperienced junior members on the team, the leader of the StarCraft programming effort had never architected a shipping game engine. Bob Fitch had been programming games for several years with great results but his previous efforts were game ports, where he worked within an existing engine, and feature programming for Warcraft I and II, which didn’t require large-scale engine design. And while he had experience as the tech lead for Shattered Nations, that project was canceled, therefore no validation of its architectural decisions was possible.

The team was incredibly invested in the project, and put in unheard of efforts to complete the project while sacrificing personal health and family life. I’ve never been on a project where every member worked so fiercely. But several key coding decisions in the project, which I’ll detail presently, would haunt the programming team for the remainder of the project.

After spending months working to launch Diablo, and further months of cleanup effort and patching afterwards, I returned to help with the reboot of StarCraft. I wasn’t looking forward to diving into another bug-fest, but that’s exactly what happened.

I thought it would be easy to jump back into the project because I knew the Warcraft code so well — I’d literally worked on every component. I was instead terrified to discover that many components of the engine had been thrown away and partially rewritten.

The game’s unit classes were in the process of being rewritten from scratch, and the unit dispatcher had been thrown out. The dispatcher is the mechanism I created to ensure that each game unit gets time to plan what it wants to do. Each unit periodically asks: “what should I do now that I finished my current behavior?”, “should I re-evaluate the path to get where I’m going?”, “is there a better unit to attack instead of the one that I’m targeting now?”, “did the user give me a new command?”, “I’m dead, how do I clean up after myself?”, and so forth.

There are good reasons code needs to be rewritten, but excising old code comes with risks as well. Joel Spolsky said it most eloquently in Things You Should Never Do, Part I :

It’s important to remember that when you start from scratch there is absolutely no reason to believe that you are going to do a better job than you did the first time. First of all, you probably don’t even have the same programming team that worked on version one, so you don’t actually have “more experience”. You’re just going to make most of the old mistakes again, and introduce some new problems that weren’t in the original version.

The Warcraft engine had taken months of programming effort to get right, and while it needed rework for new gameplay features, a fresh programming team was now going to spend a great deal of time relearning lessons about how and why the engine was architected the way it was in the first place.

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