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Mar 10

Milk Protein Weight Management Products Market – Evolving Industry Trends and Key Insights by 2025 – Digital Journal

Transparency Market Research Reports incorporated a definite business overview and investigation inclines on "Milk Protein Weight Management Products Market". This report likewise incorporates more illumination about fundamental review of the business including definitions, requisitions and worldwide business sector industry structure.

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Albany, NY -- (SBWIRE) -- 03/10/2017 -- Milk protein weight management products consist a variety of essential amino acids utilized by the human body for regular functioning of the same. The products are majorly used by infants, athletes, and body building enthusiasts requiring protein diets. Skimmed milk is a major segment in the milk protein weight management products market and can be consumed safely to improve your health as well as overall metabolism of the human body. It is also good for bones and cardiovascular functions. Milk protein weight management products assist in improving fat metabolism and digestion which helps in reducing weight. Research suggests that consumption of three servings of skimmed dairy products on a daily basis can assist in losing up to 10% of body weight over a limited period of time. Milk protein weight management products also facilitates appetite control and improve satiety leading to reduction in body weight as the desire to eat reduces during calorie restriction in milk-supplemented diets, and the sensation of decreased satiety.

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Milk Protein Weight Management Products Market Segmentation

Milk protein weight management products market can be segmented on the basis of types, applications, forms, and by regions. On the basis of type, the milk protein weight management products market is segmented as skimmed milk powder, casein/caseinates, whey protein hydrolysates, whey protein concentrates, whey protein isolates, milk protein concentrates & isolates, and others. Skimmed milk is one of the major types of milk protein weight management products and is expected to hold a considerable market share during the forecast period. On the basis of applications, the milk protein weight management products market is segmented as functional foods, functional beverages, dietary supplements, and others. The functional food and dietary supplement segments are expected to hold significant shares in the milk protein weight management products market during the forecast period. Milk protein weight management products market is later segmented on the basis of forms as solid and liquid. Most of the milk protein weight management products are in liquid forms but usually made available in solid forms.

Milk Protein Weight Management Products Regional Analysis

Milk protein weight management products market is further segmented on the basis of region as, Latin America, North America, Europe, Middle East and Africa and Asia Pacific. In regional segments the North American and European markets possess significant potential. Latin America, as well as developing markets as Asia Pacific and MEA possess significant market demand for milk protein weight management products over the forecast period. The Asia-Pacific milk protein weight management products market is expected to grow with the highest CAGR among the various region during the forecast period. Rising obesity in the region coupled with high availability of dairy products and inclination towards the weight loss products in the region is expected to drive the market demand in the Asia-Pacific region.

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Milk Protein Weight Management Products Global Market Trends and Market Drivers:

Factors fuelling the growth of the milk protein weight management products market include increasing demand for dairy ingredients and dairy alternatives across the globe, rising demand for recombined milk segments in developing countries, and rising consumer inclination towards health and wellness based dietary supplement diet. The market demand is also expected to witness a tremendous growth owing to factors such as rise in obese population, increasing consumer preference for low-calorie dietary supplements, and increasing demand for natural weight loss products.

Other factors driving the milk protein weight management products market include the rising importance on read-to-drink and performance-enhancing products and the progressions in technology that leads to efficient and versatile product variations.

Milk Protein Weight Management Products Market Key Players:

Key global market players manufacturing different milk protein weight management products for different applications include Agropur MSI, American Dairy Products Institute, Arla Foods, Carbery, Champignon-Hofmeister Group, DMK Group, Fonterra Co-operative Group, Glanbia Plc, Warrnambool Cheese & Butter Factory, and Westland Milk Products.

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Milk Protein Weight Management Products Market - Evolving Industry Trends and Key Insights by 2025 - Digital Journal

Mar 10

It’s Happening in Brigantine, events beginning March 10 – Shore News Today

Storytime with Miss Bonnie

The Brigantine branch of the Atlantic County Library, 201 15th St. South, hosts a weekly storytime 10:30 a.m. Fridaysthrough March 31for children 3 1/2 to 5 years old. Join Miss Bonnie to hear stories, sing songs and make a quick craft. The free programs are held in the kids' room. For information call 609-266-0110.

The Brigantine branch of the Atlantic County Library, 201 15th St. South, will host a Learn about the Coast Guard event for children age 3-12 at 10 a.m. Saturday,March 11. Cape May author Tyler Benson will share stories about a dog who works with the Coast Guard, and auxiliary members will discuss what the Coast Guard is all about. Pegistration is requested. For information call 609-266-0110.

The Brigantine branch of the Atlantic County Library, 201 15th St. South, will show the movie "The Finest Hours" 1 p.m. Saturday,March 11. The movie is about a real-life Coast Guard rescue.There will be an introduction about the Coast Guard auxiliary, boat safety and volunteering with the Coast Guard. For information call 609-266-0110.

The Brigantine branch of the Atlantic County Library, 201 15th St. South, hosts a monthly book club for adults 3 p.m. Tuesdays,March 14. For titles and location call the library at 609-266-0110 for titles and location. The group currently meets at the Community Center, 265 42nd Street.

The Brigantine branch of the Atlantic County Library, 201 15th St. South, has a book club for young adults ages 13 and older 6:30 p.m. Wednesdays,March 15. Plot, themes and characters are discussed. Januarys selection is "The Absolutely True Diary of a Part-Time Indian" by Sherman Alexie; in February the group will focus on "The Future of Us" by Jay Asher and Carolyn Mackler, and Marchs title is "Flush" by Carl Hiaasen. Registration is requested, and refreshments will be provided. For information call 609-266-0110.

The Brigantine branch of the Atlantic County Library, 201 15th St. South, presents a free monthly movie program for ages 18 and older 2 p.m. Thursdays,March 16. Registration is requested. For movie titles call 609-266-0110.

The Red Cross will hold a blood drive 9 a.m.-2 p.m. Saturday,March 18in St. Philip Hall of St. Thomas Church. Appointments are preferred; call 800-Red-Cross or sign up at and enter sponsor code St. Thomas.

A Brigantine Art Walk Indoor event will be held 2-6 p.m. Sunday, March 19 at The Cove Restaurant. There will be 20 artists plus an open mic for musicians.

The Brigantine Beach Cultural Arts Commission will present A Trip Down Memory Lane 1-4 p.m. Sunday,March 26at the Community Center. This trip is the second in the series recalling the past of Brigantine that share sentimental stories and fascinating history of the old days. There will be several guest speakers & light refreshments will be served. A $10 donation is requested.

Brigantine CER is sponsoring a trip to see Miss Saigon at the Broadway Theatre in New York City Wednesday,April 5. Bus leaves 8 a.m. from the Community Center for the 2 p.m. show and will depart immediately after the performance for the return trip. The musical by Claude-Michel Schonberg and Alain Boublil with lyrics by Boublil and Richard Maltby Jr. is based on Giacomo Puccinis opera "Madame Butterfly" and similarly tells the tale of a doomed romance involving an Asian woman abandoned by her American lover. The setting is relocated to 1970s Saigon during the Vietnam War, and Madame Butterflys story of marriage between an American lieutenant and a geisha is replaced by a romance between an American GI and a Vietnamese bar girl. Limit is four tickets per person. Cost is $135.

The Brigantine Beach Chamber of Commerce will hold an Easter egg hunt and spring celebration 1:30 p.m. Saturday, April 8 at the 42nd Street field. Age groups are toddlers and preschoolers, kindergarten and first grade, and second through fourth grade. The spring celebration will follow in the community center featuring photo opportunities with the Easter Bunny, Cinderella and Prince Charming, Ariel, Snow White, Elsa and Anna, Elena of Avalon and Moana. The event is rain or shine. For information call 609-517-3908.

Brigantine Flotilla 85 of the U.S. Coast Guard Auxiliary will conduct About Boating Safely classes 9 a.m. Saturdays,April 8, May 13, June 10, July 8 and Aug. 12at the Brigantine Beach Community Center, 265 42nd St. Each class lasts eight hours and includes lunch. Upon passing the test at the end of the class, a NJ Boating Safety certificate will be issued. A $60 prepaid registration is required. To register call 609-926-7607 and leave a message or email For class information see

The Brigantine North Middle School will have its 20th National Junior Honor Society induction ceremony 7 p.m. Friday,May 19in the Middle School auditorium. All former members are invited and encouraged to attend. Jen Daniels, the first Honor Society president and current Comcast Sports anchor, will be the guest speaker. For information call Larry DiGiovanni at 609-264-9505 or email

The Brigantine CER sponsors an eight-day, seven-night bus trip to Montreal, Quebec City, Ottawa, Toronto and Niagara Falls,June 3-10, 2017. There will be guided tours in each of the cities. The tour price is $1,680 per person, double occupancy, $2,330 for singles and $1,500 for triples. For information call the CER Office at 609-264-7350, ext. 1.

Brigantine CER is sponsoring a seven-day, five-night trip to LondonSept. 7-13. Flight leaves from Philadelphia Airport. Bus transportation to and from the airport is provided. Guests will stay at the Copthome Tara, a four-star hotel in the Kensington section of London. Price includes daily breakfast, two dinners with water and wine or beer, one pub lunch with beer and one additional lunch with beverages. There will be a full-day guided orientation tour of Londons highlights with a visit to the British Museum; a full-day guided tour of UNESCO World Heritage Centre, Blenheim Palace and a visit to Oxford; a half-day guided tour to Windsor and a visit to Windsor Castle; and a musical theater performance in Londons Theatre District. The price is $2,299 double occupancy. For single occupancy add $425. For a brochure or information, call at 609-264-7350, ext. 1 or stop by the Community Center and pick up a brochure.

The Brigantine CER sponsors a trip to the Canyon Country featuring Arizona and UtahOct. 9-17. Fly from Philadelphia International to Phoenix/Scottsdale. Cities to be visited include Phoenix, Scottsdale, Sedona Grand Canyon, Lake Powell, Bryce Canyon, Zion National Park and Las Vegas. The price is $2,999 for doubles, $3,749 for singles and $2,969 for triples. For information call the CER Office at 609-264-7350, ext. 1.

Crossroads Youth Group meets 7-8 p.m. every Sunday. Sponsored by the Community Presbyterian Church, the group is open to sixth- through eighth-grade youths in Brigantine. They meet weekly, and the meetings or outings consist of community service, fun and fellowship, spirituality and current issues. It is a positive atmosphere that stresses acceptance and is a true example of how to have fun without drugs or alcohol. Crossroads sponsors a Halloween hayride, an Easter egg hunt and the junior high dances that are held once a month. Open registration is extended each Sunday.

The Brigantine Community Center offers mahjong games 1-4 p.m. Thursdays on the second floor at the Community Center. For information call 609-264-7350, ext. 1.

Weight Watcher Meetings are held every Tuesday morning starting with weigh-in at 9:30 a.m. followed by a meeting at 10 a.m. Come in and learn how to successfully lose weight by following a customized food and activity plan to help you look and feel better and have more energy. Weight Watchers also offers a handy food and activity tracker, thousands of meal ideas and practically every healthy-living tool you can imagine. For information call the CER Office at 609-264-7350 ext. 1.

If you like to paint or have a craft you enjoy, you are invited to join the Art Club at the Community Center 2-5 p.m. every Tuesday in the Art Room. There will be various mediums of art such as watercolor, acrylic, oil and various crafts. Club members are all at different levels. There is no fee to be a part of the club. For more information call the Community Center, 609-264-7350, ext. 1.

The thrift shop of the Community Presbyterian Church, 1501 W. Brigantine Ave., is open 5-8 p.m. Wednesdays, 9 a.m.-2 p.m. Thursdays and 9 a.m.-noon Saturdays. Shop for bargains on gently used clothing for men, women and children, as well as shoes, small appliances, household items and jewelry. New items are received daily. Call the church office at 609-266-7942.

Quizzo will be held 7-9 p.m. every Wednesday in the Brigantine Elks Lodge lounge, 400 W. Shore Drive. Prizes will be awarded. See

The Running Center is partnering with the Brigantine Fitness Center to present a fitness class for active adults. Treadmilling for Walkers is offered noon Mondays and Wednesdays at the Brigantine Fitness Center. The class is led by Mindy Solkin, owner and head coach of The Running Center. She created the class to give seniors a full-body workout. The one-hour classes are open to members and nonmembers of the fitness center. Registration for one or two days per week is available at The fee is $15 for one class per week, or $25 for two per week. For information call 609-246-6974 or email

The Brigantine Beach Community Center hosts senior bingo 9:30 a.m. Tuesdays and Thursdays. For information call 609-264-7350.

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It's Happening in Brigantine, events beginning March 10 - Shore News Today

Mar 10

New York Islanders Playoff Chances Jump Significantly – Eyes on Isles

Mar 5, 2017; Calgary, Alberta, CAN; New York Islanders head coach Doug Weight on his bench against the Calgary Flames during the third period at Scotiabank Saddledome. Calgary Flames won 5-2. Mandatory Credit: Sergei Belski-USA TODAY Sports

New York Islanders Prospect Report Around The World by Andrew Tessler

New York Islanders Joshua Ho-Sangs Number Controversy Lunacy by Billy Lewis

With that win over Edmonton last night the New York Islanders took their tally on this franchise record nine-game road trip to 4-2-1. Outstanding considering they were one ofthe worst road teams in the league before hand.

Before being kicked out of the Barclays for the Ringling Brothers Circus, the Isles were 7-13-4 on the road.

That dramatic change in form on the road has helped the Islanders move from playoff maybes to playoff likelysit sounded better in my head.

Just look at how the Isles playoff chances nosedived and then rebounded just as quickly. By mid-December, you could have safely assumed that the Isles were well out of the race. Destined to be one of the few bonafide sellers at the trade deadline.

But then a coaching change was made and everything got much much better.

Where once the Isles were in the single digits when it came to odds of making the post-season, they now sit just below 60%. Its remarkable the turnaround thatstaken place.

I certainly wasnt on team Weight when it was announced he was going to take over for Jack Capuano. I didnt think his new voice would have been enough to get this team to gel and work.

Ive had to eat those words over the weeks. Since being appointed Weight hasnt done anything but win. (And sometimes lose in terribly humiliating fashion). Its hard not say that coaching is whats turned this team around.

After Wednesdays three games, the Isles chances fell by 2.6%, because both Ottawa and Boston won, putting pressure on the Isles should either of those teams fall into a wild-card spot. However, unlikely of a scenario that might be.

But, with a game tonight against the hobblingVancouver Canucks, who are 3-5-2 in their last ten, a win could put them above the 60% mark.

Every day things seem to get better for the Isles chances. Their form is still a bit patchy, trading two wins for a loss on average recently. But at this point, just getting to the playoffs is all that matters. Once you get there, theres always a chance to win it. Even though ClubStats give the Isles a 0.2% chance of winning the cup.

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New York Islanders Playoff Chances Jump Significantly - Eyes on Isles

Mar 10

Medical Mystery: Why Are Some Obese People ‘Metabolically Healthy’? – Live Science

Obesity often brings with it a host of health problems, such as high blood pressure, diabetes and risky cholesterol levels. But a lucky few appear to buck the trend: They are obese, and yet don't have any of these typical risk factors for heart disease or diabetes, a new study finds.

Researchers analyzed information from about 1.3 million U.S. adults who were either overweight or obese. None had previously been diagnosed with diabetes. The researchers looked to see whether these participants had any of four common risk factors for heart disease and diabetes: High blood pressure, high levels of fat in the blood, low levels of "good" cholesterol or elevated blood sugar levels.

Among those who were obese, 10 percent did not have any of these four risk factors.

It's not clear why some people with obesity are able to avoid these problems. In the past, researchers have dubbed this group the "metabolically healthy obese."

However, people who fall into this group may still not be totally healthy, said study researcher Gregory Nichols, a senior investigator at Kaiser Permanente Center for Health Research in Portland. Obesity also increases the risk of other conditions, such as cancer, joint problems and kidney disease, he said.

"They might be metabolically healthy, but that does not necessarily mean they are healthy overall," Nichols told Live Science. What's more, although these participants were free of metabolic risk factors at the time of the study, they could soon develop them in the coming years, he said. Some previous studies have found that even "metabolically healthy" obese people are at higher risk of developing type 2 diabetes, compared with people of normal weight.

Thus, people who are obese should still aim to lose weight, even if they appear otherwise healthy, Nichols said. "Weight loss could improve other types of health [problems], and might reduce the likelihood of developing cardiometabolic risk factors," he said. [The Best Way to Lose Weight Safely]

For the study, the researchers analyzed electronic health care records from members of four health care systems that together serve 12 million people in 11 U.S. states and Washington, D.C. They defined being overweight as having a body mass index (BMI) of 25.0 to 29.9. Obesity was defined as having a BMI of 30 or more, while morbid obesity was a BMI of 40 or more.

They found that 18.6 percent of the people who were overweight did not have any of the four metabolic risk factors, and 9.6 percent of those who were obese did not have any of the four. Looking at only those who were morbidly obese, they found that 5.8 percent did not have any of the four risk factors.

Being "metabolically" healthy was more common among those who were younger about 30 percent of all adults ages 20 to 34 in the study did not have any of the four metabolic risk factors, compared with just 6.3 percent of those ages 65 to 79.

Several factors could explain why some overweight people and some obese people remain metabolically healthy. "Diet and exercise almost certainly play a role," Nichols said. However, the new study did not assess these factors.

In addition, the distribution of a person's fat can also affect their risk of cardiovascular disease, with fat stores in the belly area (visceral fat) posing a greater risk to health than fat found just beneath the skin (subcutaneous fat) in other parts of the body. Some previous studies have found that obese people who are metabolically healthy have less visceral fat than obese people who aren't metabolically healthy. However, a person's BMI measurement, used in this new study, cannot distinguish between visceral fat and subcutaneous fat.

Ultimately, future studies are needed to follow metabolically healthy obese people forward in time, to see if they remain metabolically healthy over a long period, or even a lifetime, Nichols said. Such studies could determine whether metabolically healthy obesity "is even a real thing, or merely a matter of timing," Nichols said.

In addition, studies should look at the order in which people develop metabolic risk factors, and whether this order affects their risk of developing subsequent heart disease and diabetes, he said.

The study was published March 9 in the journal Preventing Chronic Disease.

Original article on Live Science.

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Medical Mystery: Why Are Some Obese People 'Metabolically Healthy'? - Live Science

Mar 9

Playing a game to learn what works –

March 8, 2017

By Jon Grabel

It is important to play games. We view gameplay as imperative for children because it helps with cognitive and physical development. Competitions teach children patience, social skills, negotiation, strategy, confidence and how to win and lose. Games are also important for adults. As we age, these activities help relieve stress, maintain brain function, stimulate creativity and help us feel young and energetic. In addition, games enhance our professional development. For example, the military conducts war games to teach our soldiers the complexity of their craft and prevent catastrophic outcomes. Airlines make a significant investment in flight simulators so the 87,000 flights that cross our skies each day take us safely to our destinations. Lawyers hone their skills in mock trials to better advocate for their clients. Professional athletes go through preseason games so they can deliver more victories to their fans. Throughout our lives and across settings, games benefit us in multiple dimensions.

In this spirit, the $14.5 billion Public Employees Retirement Association of New Mexico (PERA) investment division has an internal investment competition. Each member of the team constructs a hypothetical portfolio based on agreed-upon criteria. The portfolios run throughout the calendar year, with weekly checkpoints. This annual exercise began in January 2015 as a way to facilitate anesprit de corpsand instil incremental investment acumen and discipline. It is a highly productive exercise, as it creates an environment in which all members of the team can challenge one anothers hypotheses. Moreover, this atmosphere facilitates constructive feedback in which people formulate ideas and defend their positions. Improving investment knowledge, skill and discipline across the team benefits PERAs 100,000 members, as we continually strive to improve the processes through which we administer the pension trust fund. As we near the end of this years competition, several themes and behaviours have emerged that are similar to those we see in the institutional investment marketplace. Thus, our friendly simulation has become a microcosm of the asset management space. This virtual reality helps flag behavioural biases across PERAs roster of money managers and allows us to minimise the impact of potential adverse influences.

The rules

Each participant begins the investment period with a fictional $10,000 portfolio. A virtual exchange prices securities and processes trades. Accounts must contain at least three distinct asset categories, hold 10 positions of 5 per cent, have no single holding greater than 20 per cent and have one-third of assets invested internationally. Eligible investments include indices over stocks, bonds, real estate, real assets and commodities. Team members can invest in publicly traded securities and exchange-traded funds (ETFs). Players must choose their own portfolios and cannot adopt actively managed mutual funds. In addition, portfolio rebalancing is required each month. To create a dynamic competition, the portfolios must change by at least 10 per cent as part of this monthly rebalancing exercise. Moreover, the competition does not allow borrowing funds against assets. The group serves as its own watchdog and monitors compliance.


Observing how fluctuations in the markets affect each players portfolio teaches a great lesson about investing. The year 2016 had a horrific start. The broad MSCI All Country World Index was down more than 10 per cent through the first six weeks of the year. Markets also exhibited dramatic drawdowns across most asset categories in June, with British voters unanticipated decision to leave the European Union. In addition, there was volatility on either side of the US presidential election. Due in part to these and other market gyrations during 2016, the investment challenge highlighted the benefits of broad asset category diversification.

Recalling the guidelines, portfolios could have no position greater than 20 per cent (including cash) and had to maintain diversification across asset categories and geographies. As a result of these guidelines, the virtual portfolios weathered the difficult environment. The philosophy behind the guidelines is consistent with that of the real-world PERA fund. PERA diversifies its investments across asset categories and geographies. The fund does not try to time markets; asset category diversification provides risk mitigation across cycles.

The rebalancing the game requires is another critical element to success in uncertain markets. It is the process of realigning the weightings of a portfolio of assets. This involves periodically buying or selling assets in a portfolio to maintain a desired asset allocation and risk tolerance. Specifically, an investor would sell above-weight investment strategies in order to buy those that are below the target amount. This is another key investment tenet of the PERA fund. As the virtual portfolios generated gains following market downturns, so too does the PERA fund benefit from rebalancing over the course of a full cycle.

Investment operations emerged as another key element in the competition. For example, the virtual exchange we used to manage our friendly competition failed to account for stock splits. It also did not properly return cash for an ETF that was delisted. These operational flaws affected the reported values of several portfolios in the simulation. As our team is quick to note, investment operations should be front and centre. It is nave to refer to these important functions as back-office; they are critical to the proper function of a complex institutional investment program. Good investment performance is dependent upon the right operational infrastructure.

Observations and lessons

Many patterns emerged from the 2016 investment competition. These items stimulated much debate among the group. Here are some of the issues we discussed, our observations on them, and lessons they taught us.

Active v passive strategies

Observation: The principal difference in the portfolio models employed by the group was the use of active versus passive investment strategies. Active strategies try to beat a market benchmark through skilful security selection. Passive or indexed strategies embrace a benchmark predicated upon the belief that markets are efficient over time, especially when adjusted for risk and fees. Many people invested in a collection of passive indices. Others created concentrated portfolios of individual securities. The latter group embraced volatility and the former shied from it. There were nuances across implementations. Some of the participants were active within their asset category specialty and passive across other strategies. Others took the opposite approach and embraced risk in the areas outside their subject matter expertise.

Lesson:We believe asset allocation is the principal driver of the variance in performance for diversified portfolios. While picking an individual security may be more exciting, it is not the winning solution over an extended period for a public pension plan. Absent proprietary research, broad exposure to multiple asset categories is a better long-term investment approach for an institution such as PERA. Our mandate is to distribute benefit payments today and into the future. Accordingly, spreading capital across various asset category indices or betas provides better downside protection. The decision to invest in an index versus picking individual securities provides valuable insight into the actual marketplace. For efficient asset categories, such as large-capitalisation US public equities, active managers have trouble beating the comparable passive strategy. Moreover, those managers who beat the index in a given period often trail it in subsequent ones. Yet, active managers have an allure that is akin to a good story. From a marketing perspective, these story-based strategies attract much attention because they are fun and appeal to the adventurer in all of us. We all want to win and active strategies give us a chance to beat the odds. At the same time, many of these stories belittle passive strategies as boring and pedestrian. The managers challenge is to rise above the noise by optimising the expected return per measure of expected risk. Adventures are fun, but for the most efficient asset categories over extended periods, indexing may be the optimal strategy.


Observation: Another behavioural theme relates to crowding. Each portfolio in the competition is transparent and visible to every participant. Crowding exists when many people invest in similar securities and strategies. With similar trades come like outcomes. Like outcomes yield blurry information and a lack of differentiation. Said differently, there is safety in numbers.

Lesson: As we see with commonplace trades in the money-management space, crowding benefits money managers through consistent peer performance. As a positive, this may allow someone to win by not losing. Alternatively, this is akin to benchmark hugging (when an active manager closely mimics its underlying index) or survival through conformity. One motivation for such risk-averse professional portfolios is asset and fee maximisation. Specifically, managers that move with the herd may have a better survival rate. Clients may not fire them based on undifferentiated peer comparisons.

From the perspective of the PERA portfolio, our most significant form of risk management is diversification. In addition to diversifying our investment strategies, we also employ multiple money managers to avoid organisational risk within a single investment firm. Our money managers peer rankings are not particularly relevant. We do not benefit from overlap or crowding within like mandates. Crowding helps only our money managers. It shifts the focus from what is an optimal investment structure to what is safe in the context of peers and universe rankings. Where we employ active money management, we expect our managers to express an educated point of view and develop the best collection of securities in a category. We encourage our managers to think and execute, as opposed to just surviving against their peers. We want our managers to be hungry and motivated to generate appropriate risk-adjusted returns for PERA. We are vigilant towards this end. We structure tight investment guidelines with each money manager. Investment guidelines are a list of dos and donts for them. We also hold the vast majority of our investment securities at PERAs custody bank. This account structure gives us greater visibility throughout the whole PERA fund and helps us avoid unintentional positional biases such as crowded trades.

Quartile rankings

Observation: In contrast to the crowded portfolios, some within the investment challenge went their own way and tended to perform at either the high or the low end of the spectrum. People in this group changed in the standings throughout the year and readily moved from top 25 per cent to bottom 25 per cent and vice versa. It is noteworthy that some within the go-it-alone cohort tended to reduce risk and join the benchmark huggers after periods of success.

Lesson: Once again, this is a common observation in money management. Managers often gain attention subsequent to a period of outperformance. Asset owners and their advisers flock to investment managers based on historical performance. However, mediocre performance often follows success, as a manager may have incentives to play it safe. We see this in sport when a team with a large lead starts playing less aggressively and taking fewer risks. In investing, like sport, there may be a victory despite a change from successful tactics. Specifically, the money manager may gain additional investors. With additional clients come additional wealth and fame. Losing this source of income would not be a rational action by a money manager. Unfortunately for incremental investors, the desired outcome may be disappointing, as the previous success often yields mean reversion. S&P Global publishes data on this in its persistence scorecard. This report details the lack of consistent placement in the top quartile by money managers. In many cases, the passive strategy produces the most reliable performance.


Observation: The dispersion of portfolio returns over the course of the year is somewhat related to the preceding theme, yet this observation is different. Typically, the majority of balances resided in a tight band throughout the year. The median portfolio (the middle one) moved up and down based on overall market conditions and at of the year it generated a positive return. The concentrated nature of the set of portfolios is representative of a distribution curve taught in an introductory statistics class. The shape, however, was not normally distributed. There was a significant difference between the median and the mean (average). In our case, more people performed above the average. The underperformance was greater than the outperformance, indicating the risk-taking incentives for those in the bottom quartile.

Lesson: Our virtual world is instructive as an analogue for the real one. The existence of a distribution curve is also highly relevant for institutional investors. Too many mangers and institutions refer to their portfolios as being in the top quartile. Mathematically, not everyone can even be above the median, let alone in the top quartile. There is excessive marketing accompanying peer standings. Institutional investment mandates are too important to award participation trophies to all managers. Balancing qualitative and quantitative factors in an unemotional manner enables investors to better position a portfolio.

Risk-taking incentives

Observation As illustrated above and much like the ending scene inThelma & Louise, team members with diminishing chances of winning the competition took uncompensated risks as we neared the end of the year. Whether it was panic or a refusal to accept defeat, this group dramatically increased risk. By investing in higher beta strategies such as IPOs, companies in crisis and countries with geopolitical turmoil, these participants hoped for a big pay-off. These last-chance strategies had mixed success, but were arguably rational decisions from the point of view of game theory.

Lesson In a simulation, it is easy to adopt the mantra go big or go home. The PERA investment team realises that we cannot take this type of cavalier approach to managing a portfolio as important as the PERA fund. The lessons from the investment competition are vital to remaining humble, focused and disciplined. As for the takeaway, it is imperative to understand manager or strategy underperformance and evaluate it in the context of a larger portfolio. Underperformance can be a result of an out-of-favour strategy detracting from returns, such as energy in 2015. Alternatively, poor performance can be an indicator of excessive risk within a strategy. Judgement based on experience and collaboration is necessary to recognise that out-of-favour strategies may be attractive in the future. This is the premise behind rebalancing programs that foster a buy-low/sell-high philosophy. In contrast, it is prudent to avoid managers that incur excessive risk, like Thelma and Louise, in trying to elude a bad outcome. Hope is not an investment strategy and may lead to unintended consequences. At PERA, our systems and processes help determine the positive and negative contributors to performance. We recognise that positive returns require the same level of review as negative ones. Specifically, a true performance evaluation requires a comprehensive analysis that evaluates both risks and returns. This multi-dimensional framework helps us flag and eliminate excessive risk-taking motivations among our managers.


We are nearing the end of our second annual investment competition. With a minimal commitment of time, the exercise yields impressive results. The challenge helps us better interact as a group. We find common ground around our core function as stewards for PERA members. Investments should occupy the majority of our discourse and the challenge enhances that commonality of purpose. It also creates a healthy desire and discipline to be the best at what we do by enabling us to identify behavioural biases that exist in the broader investment world. The resulting awareness improves our overall skill and judgement as a team. We look forward to continuing this competition in 2017 and beyond.

Jon Grabel is the chief investment officer of the Public Employees Retirement Association of New Mexico.

Ilmarinen sheds bonds for real value

Top US funds embrace stewardship code

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Mar 9

Yes, You Can Snack at Night and Still Lose Weight – LifeZette

One of the toughest times to manage the urge to snack is late in the evening before bed but long after your dinner has settled.

If youre among those who have heard or been told that eating late at night will destroy any weight loss youre aiming for, somegood news alight late-night snack wont completely derail your dreams.

"What matters most is the amount of calories you eat for the day and how many calories you burned at the end of the day to create a balance or a deficit," said Sylvia Melendez-Klinger, a registered dietician and founder of Hispanic Food Communications. She'a slso a scientific advisory board member to the Grain Foods Foundation.

"For example, if you consume about 2,000 calories per day which is not a lot of food you will need to decrease 500 calories to lose weight safely. So you will need to consume only 1,500 calories or try to burn some of the extra calories with exercise," she told LifeZette.

Related: The Biggest Cause of Our Kids' Weight Gain

Melendez-Klinger recommends keeping any eveningsnacks to between 100 and 200 calories. Portions and serving sizes are more important than deprivation. Also, try to avoid heavily caffeinated beverages and snacks that are high in calories before bedtime.

Some great snacks that might curb your cravings and satisfy the grumbling in your stomach:

1.) Crackers andhummus.Stick to just a couple tablespoons of hummus and you'll be good. The snack is a great source of proteinand fiber.

2.) Acup of yogurt with berries.This great snack is low in calories and high in nutrients. It's always a great option, but watch the sugar in the yogurt.

3.)A glass of milk and a little cookie.You can "never go wrong" here, saidMelendez-Klinger.

4.) Air-popped popcorn.Skip the butter and instead add some parmesan cheese.

5.) Apple with peanut butter.High in fiber and protein, this will leave you feeling satisfied but not overly full and it will get you through the night.

6.) Fruit smoothie.A small glass of plain kefir mixed with fresh or frozen blueberries or strawberries is filling and satisfies a sweet tooth.

7.) Whole grain cereal.Quite afewcereals containa lot of sugar so be careful what you choose here. But whole grain cereals can be rich in fiber and low in calories, making for a great late-night snack.

8.) Applesauce.A cup of this will give you a healthy dose of fiber and promote good digestive health.

You may want to fast, said Melendez-Klinger, if you're experiencing gas, bloating or any intestinal problems or if you need any medical procedures or blood work.

"However, we dont recommend fasting for long periods of time just to try to lose weight rapidly. It can be counterproductive. You are basically dehydrating your body and depriving your body of daily essential nutrients, and you will be devouring anything in front of you by the time you start eating again," she said.

Related: Why Our Kids Crave Connectedness

A few hours of fasting with plenty of water can help you get your digestive system back on track, if needed; but a well-balanced diet with plenty of fiber and water along with exercise can keep your weight under control.

Something else to keep in mind, she added, is that the body needs time to digest the last meal of the day. Its recommended that if you eat a larger meal at night, give yourself at least two to threehours before bedtime. Walking after dinner or doing some other activity will help you digest your food better.

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Yes, You Can Snack at Night and Still Lose Weight - LifeZette

Mar 7

Why a stiff neck could leave you blind –


Yet very soon, everyday life became almost impossible to manage for the 59-year-old child care development adviser from Ruislip, west London.

Her neck became so stiff that she could not turn her head, which affected her ability to drive safely.

I had to park away from other cars as I had so much difficulty getting in and out of the car, says Janice, who is married to Steve, also 59.

She struggled getting in and out of bed and says she came to dread going to sleep at night because of the pain she would suffer.

The swiftness and severity of her physical deterioration eventually forced Janice to take early retirement from her job.

The final straw was when I couldnt even bend down to put my shoes on and my husband had to do it for me. He said that I needed to go to the doctor as something wasnt right.

When she sought help, Janice was diagnosed with polymyalgia rheumatica (PMR), a rheumatic condition that causes pain, the tenderness and stiffness in large muscles around the shoulders, hips and back.

It can cause disability and severely affect quality of life.

I had a bit of a meltdown as I thought I was never going to get better

Janice Maddock

PMR is linked to another rheumatic condition called giant cell arteritis (GCA), which causes the arteries in the head and neck to become inflamed.

It is called giant cell because abnormally large cells accumulate in the artery walls.

One of the arteries that is commonly affected provides blood to the optic nerve and if the optic nerve is starved of blood it can lead to irreversible sight loss.

Both are autoimmune illnesses and with GCA the main symptoms are headaches and tenderness which can lead to blindness if untreated.


Both conditions usually affect the over-50s but it is most common in those over the age of 75.

Consultant rheumatologist Professor Bhaskar Dasgupta, who is an expert in the illnesses, says: In many ways PMR and GCA should really be seen as the same condition, we do see a significant number of patients who have PMR symptoms but also have giant cell arteritis.

An estimated 250,000 people in the UK have PMR and GCA, although there may be many undiagnosed sufferers as awareness among GPs and the public is so low.

Each year, about 3,000 people are thought to lose sight as a result of late diagnosis of GCA.


Janice says: I was lucky that I had a doctor who knew what PMR was but Ive heard many stories of people who have been misdiagnosed or when they have eventually been diagnosed, theyve just been left to get on with it.

More GPs need to know about these conditions so quicker diagnosis can be made.

For both PMR and GCA, the main treatment is steroids, which can be associated with serious side effects such as diabetes and osteoporosis.

Janice, who is stepmother to Lauren, 28, and Paul, 24, says: When I was diagnosed I was put on a high dose of steroids which reduced the pain and stiffness but they had side effects. I was very tired and put on weight because they made me so hungry.

I reduced my steroids but did it too quickly and my symptoms started to come back. I had a bit of a meltdown as I thought I was never going to get better.

Janice then discovered the charity Polymyalgia Rheumatica and Giant Cell Arteritis UK (PMRGCAuk), which was able to offer advice and support on managing the condition.

Many PMR sufferers reduce their steroids too quickly without listening to their body and end up with the symptoms returning, she says.

However new effective treatments that have fewer side effects are being developed including tocilizumab, a common arthritis drug.


An international trial involving more than 250 patients in 14 countries, including the UK, found that 56 per cent achieved steroid-free remission after a year on tocilizumab.

Professor Dasgupta says: About 40-50 per cent of patients in the tocilizumab study had PMR as well as GCA and their PMR symptoms improved as a result or taking the drug. Tocilizumab is a significant breakthrough in the treatment of PMR and GCA.

It is particularly effective in those patients who do not respond well to steroids, which often fail to control the disease in the long term.

It is hoped that the drug will become available to patients later this year.

Visit to find out more about PMR and GCA

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Why a stiff neck could leave you blind -

Mar 7

This Researcher Is Here To Debunk Your Favorite Celebrity Diets – Delish

Getty Pascal Le Segretain

While most of us are stalking our favorite celebrities to read about the crazy new diet they're trying or the detox they swear by, Timothy Caulfield has made a living out of debunking them. You wouldn't guess he's the sort to try the Gwyneth Paltrow-backed Clean Cleanse or experiment with cryotherapy, which claims to literally freeze your fat off, by his official profile on the University of Alberta website. He's a law professor there and the Canada Research Chair in Health Law and Policy. But scroll past the stem cell and chronic disease jargon and you'll notice something funny in the last line of his bio: Caulfield's the author of a book called Is Gwyneth Paltrow Wrong About Everything?: When Celebrity Culture and Science Clash.

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One click through to his Twitter page verifies that this is Caulfield's real passion. He's not buying Paltrow's goop and he doesn't think you should, either. Here are three things he wants you to remember.

In his book, Caulfield confesses something after being on Gwyneth's Clean Cleanse for a few days. "You will lose weight, temporarily, on a cleanse as I was clearly doing but it has absolutely nothing to do with the removal of toxins. The weight loss that happens on a cleanse is the direct result of two factors: eating fewer calories and monitoring what you are eating, which leads to eating fewer calories." At the end of the day, dieting (when done right and safely) is just eating healthfully, and your body will reap the benefits as long as you're keeping up the hard work. Apparently Tom and Gisele have the willpower to eat like damn patriots for the rest of their lives, and Taylor Swift can shake off sugar for the foreseeable future. Can you? As Caulfield put it: "Three weeks after my cleanse: All the weight is back on my old, flabby frame. Infuriating."

If there's one subject Caulfield harped on most in his book and on the phone with us, it's that there's no such thing as a scientifically backed detox. "Despite the remarkable popularity of the practice, there is absolutely no evidence to support the idea that we need to detoxify our bodies in the manner suggested by the cleansing industry," Caulfield writes. That's what your organs are for, and unless they aren't functioning properly, they're taking care of the detoxification process on a daily basis. So Beyonce's Master Cleanse and the teatox trend that every celebrity and their mother is trying? Not worth your time or money.

Sometimes they fall prey to the same scams we do. Kate Hudson, a supporter of the Alkaline Diet, has remained mum since its founder faced jail time for practicing medicine without a license. What's more, sometimes they don't believe what they're posting about on Instagram or Facebook. The world of celebrity endorsements is lucrative: Stars stand to make anywhere from $3,000 to $250,000, depending on the size of their following. I mean, what would you promote for that kind of pocket change?

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This Researcher Is Here To Debunk Your Favorite Celebrity Diets - Delish

Mar 7

Protein World: The Slender Blend review – The Sport Review

There are loads of products on sale these days to help you lose weight fast and get lean in a healthy way. But we were really excited to try out Protein Worlds Slender Blend because of the positive reviews we have read about the British companys flagship products.

With summer on the way, we could all do with a helping hand on our way towards toning up and losing weight for the beach.

Theres no better sensation than feeling the warm sand beneath your feet for the first time at the start of your holiday and feeling proud of your body.

The first thing youll probably notice when browsing Protein Worlds website is the clean and clear design of the products. It makes a refreshing change from the over-branding on so many of todays health and fitness products.

Were always on the lookout for new ways to help us achieve out fitness goals and with summer fast approaching, who wouldnt like to lose a few pounds in a healthy way? So, we decided to give The Slender Blend and The Slender Plan a go.

Here, were going to walk you through each of the products in the collections to see if theyre products you should consider adding to your regimes to help achieve your goals.

First things first, The Slender Blend (the weight-loss protein powder) is available on its own as a 2.5kg bag, which works out at 60 servings, for 58.

This review is going to focus on The Slender Plan Vanilla Porridge collection, which includes a 1.2kg Slender Blend tub amongst other things.

Product website:

So, whats in the box? The Slender Plan Vanilla Porridge is sold as the 30 day weight loss programme on the Protein World website.

For 72, you get the following:

1.2kg tub of The Slender Blend (vanilla) Tub of The Slender Porridge (vanilla) Bottle of Hunger Buster capsules Bottle of Fat Metaboliser capsules A Protein World shaker A 30 Day challenge booklet, featuring full body workouts and a meal planner

Well get into the details of each product below but we really like the way everything is packed together with one goal in mind to help you lose weight and burn fat fast, and in a healthy way.

The Slender Blend is Protein Worlds best selling product and its not hard to see why.

The Slender Blend is one of Protein Worlds best-selling productsPhoto: Protein World

Included in each serving of the powder is 24 grams of grass-fed non-GMO whey protein, as well as 25 vitamins and minerals. Most importantly, each serving contains less than 150 calories and has no added sugar.

In short, The Slender Blend is designed to control cravings and help your build lean, toned muscle. You can use it as a meal replacement or as a protein shake after your workout.

The first thing we loved about The Slender Blend is the taste. Theres nothing worse than dreading your post-workout protein shake because of the taste, and we can safely say that The Slender Blend is one of the best shakes we have ever tried. We sampled the vanilla flavour but there are a number of others available (salted caramel, anyone?). We mixed it with unsweetened almond milk but it works just as well with water or normal milk.

The best thing about The Slender Blend is the fact you can use it as both a meal replacement and post-workout protein shake. That means, you could use it as a meal replacement to shed a few pounds for a couple of weeks, and then as a normal protein shake to help you build lean muscle.

The Slender Porridge is included as your suggested breakfast during your weight-loss journey.

Each serving of the gluten-free porridge contains under 200 calories and less than a gram of sugar. Oats are a great natural source of sustained energy, and The Slender Porridge also contains added chia and flaxseed.

Weve always been big fans of porridge in the morning and The Slender Porridge went down very well indeed. It mixes well and most importantly, tastes great.

Also included in the collection are two bottles of supplements to help you on your way to losing weight. Protein Worlds Hunger Buster capsules are designed to keep those hunger pangs at bay and help you burn fat.

Each capsule contains a blend of Konjac glucomannan and garcinia cambogia, both of which can help to increase fat metabolism.

The glucomannan in the Hunger Buster capsules is derived from the Konjac plant. Its a form of natural soluble fibre and has been shown to contribute to weight loss. It also helps to draw in water, which causes expansion in the stomach to help with your appetite, and contributes to the maintenance of normal blood cholesterol levels.

Meanwhile, the active ingredient in Garcinia cambogia hydroxycitric acid inhibits an enzyme that the body needs to make fat from carbohydrates.

Weve never had problems with our appetite but we took the Hunger Buster capsules as an experiment for two days running and found it helped us to know exactly when to stop eating.

The Fat Metaboliser capsules (previously called Fat Melter capsules) are designed to reduce the amount of fat you digest, boost your metabolism and increase the rate that your body burns fat.

The Slender Plan includes Fat Metaboliser capsules Photo: Protein World

The main fat-burning ingredients are guarana extract and green tea. These capsules contain a good amount of caffeine so its best to take these in the morning.

We found that our energy levels soared when taking one of these tablets every morning. We did some digging to see if other users had reported similar effects and indeed, boosted energy levels and mental clarity seems to be a widely-reported (positive) side-effect of taking the Fat Metaboliser capsules.

We did some digging around the internet to see what some verified buyers were saying about their experiences with The Slender Blend and the other products included in the bundle.

Generally, the reviews are very positive. The Slender Blend is one of Protein Worlds top-rated products and its no surprise that there are lots of positive reviews.

Leanne wrote on the Protein World website: I used this package religiously for 12 weeks alongside the coconut oil for cooking and tried to stick to lean meats and veg/salad. I lost weight easily and steadily and my confidence grew when I started buying clothes 3 sizes smaller! If you want an easy to stick to plan, this is it. Would recommend this to anyone serious about losing weight and gaining confidence.

Chloe loved the Fat Metaboliser capsules in particular: These take some getting used too. But after a couple of days you will notice all the benefits. I was so lazy before. These help you get the energy you need!! Really great!!

You can read more reviews here:

The benefits:

Everything you need to lose weight over a 30-day period

The Slender Blend and The Slender Porridge taste great

Hunger Buster and Fat Metaboliser capsules can give an extra boost

The drawbacks:

Premium priced at 72

You have to pay for delivery on orders under 80

All of the separate products in The Slender Plan are available separately on the Protein World website, but the best deal is definitely the 72 plan, which includes all of the products listed above and is designed to work over a 30-day period.

The Slender Blend is available as a separate product on the Protein World website. A 1.2kg tub costs 32, and a 2.5kg bag costs 58.

So there you have it, our full review of Protein Worlds Slender Plan, including The Slender Blend and The Slender Porridge.

In case you havent already realised, we really like this bundle. If youre looking to lose weight and tone up for the summer, this is a great product to help you on your journey and customers seem to think so as well.

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Mar 6

Need to lose weight safely? Win a copy of ‘The Mayo Clinic Diet’ – News & Observer

News & Observer
Need to lose weight safely? Win a copy of 'The Mayo Clinic Diet'
News & Observer
The second edition of the bestselling book The Mayo Clinic Diet (Mayo Clinic, $27.99) is a revised and updated guide to a healthy and safe way to lose weight and keep it off. This is the first diet developed exclusively by the Mayo Clinic, and it ...

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Need to lose weight safely? Win a copy of 'The Mayo Clinic Diet' - News & Observer

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