#dollar atore finds

[vincentbuckles]

Weekend reading: New year, old habits

What caught my eye this week.

The New Year is the day we all start behaving better – whether it be quitting smoking, eating more vegetables, jogging, or simply resolving to stop putting your dog’s waste in a plastic bag and then flinging it up into a nearby tree to hang like a toxic fruit bat. (Okay, perhaps nobody resolves to stop doing that. They should!)

Do we keep behaving better? Rarely.

I sometimes make New Year’s Resolutions and they seldom work. I’ve been resolving to read more books for as long as I remember. But whatever method I try, the instant delights of the Internet have soon sucked me back under and I’m lucky if I’ve finished a novel by February.

I read a book a day in university!

In another universe, I’m incredibly well-read now. In this one, well, at least you guys benefit via this weekly link list.

Ready, steady, gain

Perhaps one reason I do badly with New Year’s Resolutions is because I invariably start the year off on a naughty foot.

No, I don’t smoke cigars whilst quaffing champagne from the bottle. That’s all out my system by Boxing Day.

However I do lovingly re-set various aspects of my active portfolio tracking spreadsheet back to zero. By doing this, I start the year with a clean slate and a fresh chance to beat the market by December 31st.

This is only half bad. As part of my ongoing active investing experiments, I track my returns precisely. My portfolio is unitized – there’s none of this “I assume dividends cover expenses, and I guess I should count that bonus money I put into an ISA in April but it’s a faff” that you see in some online portfolio reviews.

No, I count every penny in and out like some miserly Noah. I track all my gains, losses, and costs, and I compare myself to four real-world benchmarks, over the short and long-term.

So far so reasonable.

Precisely tracking your returns can be a bad idea if you’re a passive investor. In fact I think most investors would be better off following a sensible passive strategy and not tracking their returns at all if the alternative is getting too obsessed and fiddling with their portfolios. It’ll probably only harm their results.

However if you’re an active investor, tracking is vital. Many private investors delude themselves about their performance, because they don’t know it. They see some winning shares in their broker accounts and think they’re not half-bad at picking stocks. They never work out where they’d be if they had just lobbed the lot into a global tracker fund.

Even if you’re actively investing for fun as much as profit, you need to know your returns. A dartboard without any numbers to score by is just a wall you throw darts at.

With that said, there’s very little to justify overly-focusing on returns over any particular single year. And there’s even less reason to do so from January to December. (At least for American investors that matches their tax year! April to April would make a little more sense in Britain.)

Of course you do need to know annual returns if you want to compare yourself to active funds; something that was very important to me for a while.

But even then it would be better to calculate the appropriate figures once a year, rather than watching as I do my performance versus my benchmarks with every passing day. Now a little ahead, now a little behind, now back in the lead again – it’s like one of those plastic horse racing games you used to find at seaside arcades.

Nevertheless I’ve resigned myself to this procedure for as long as I’m active investing. It’s part of my process now, however irrational. It may even be marginally beneficial that I reset the annual return column on each of my holdings (obviously I track the long-term loss/gain on purchase in another column) as a way to avoid any anchoring biases.

Human error

I know I shouldn’t watching things too closely; the knowledge is strong, but the flesh is weak.

As a result I’ve tried a lot of different ways to obfuscate my portfolio performance in the short-term, or on a quick view. I’ve experimented with everything from hiding the real pound values of holdings in my master spreadsheet to hiding the gains and losses, to creating ‘layers’ that blend the moving parts of the portfolio to try to stop me focusing on short-term winners or losers.

I’d write about all this, but I don’t want to encourage anyone. Perhaps when my passively pure co-blogger The Accumulator is back full-time I can indulge this side of things again.

For now: It’s a new year, and the game is afoot! Exciting. Yes I should change my habits… but then again I should probably read more books, too.

Happy new year and good luck with all your resolutions – except for that silly one to read fewer investing blog posts.

Pfft! A little of what you fancy does you good.

From Monevator

Nine underrated tools to help you achieve Financial Independence – Monevator

From the archive-ator: Estimating expected returns in your financial plan – Monevator

News

Note: Some links are Google search results – in PC/desktop view you can click to read the piece without being a paid subscriber. Try privacy/incognito mode to avoid cookies. Consider subscribing if you read them a lot!1

UK CEOs make more in first three days of 2019 than average worker’s salary – Guardian

House price growth weakest in six years due to Brexit fears… – ThisIsMoney

…though sales of £10m+ homes tripled after Referendum, on weak pound – Guardian

London divorce judges are curbing ‘meal ticket for life’ rulings [Search result] – FT

Bereaved partners are unnecessarily paying tax on inherited ISA savings – ThisIsMoney

Hedge funds’ hopes for 2018 dashed amid closures – Financial News

Reckless caution: 56% of savers say their risk appetite is low or zero – Money Marketing

UK trains packed to near double capacity, disruption hits 17-year high – Guardian

Long-term US bonds beat the US stock market over past 20 years – Financial Samurai

Products and services

Millennials queue for hours for the new 26-30 Millennial Railcard – BBC

Why overpaying your mortgage is a better bet than saving in 2019 – ThisIsMoney

Ratesetter will pay you £100 [and me a cash bonus] if you invest £1,000 for a year – Ratesetter

Annual household bills rise on average £150 after a year of hikes – ThisIsMoney

The cost of childcare across the UK – ThisIsMoney

Homes for New Year’s renovation projections: In pictures – Guardian

Comment and opinion

Larry Swedroe: There are no safety flags in investing – ETF.com

Forgotten bear markets – A Wealth of Common Sense

10 valuable personal finance lessons learned in 2018 – The Simple Dollar

Sequence of returns revisited, and other uncertainties – The Retirement Cafe

Merryn S-W: The best financial advice hasn’t changed in 300 years [Search result] – FT

Wunderwaffen: Part II – Demonetized (via Abnormal Returns)

Rich People’s Problems: How to fly first class for free [Sort of. Search result] – FT

A reminder that equities are risky [US markets but relevant] – Musings on Markets

Dividend income portfolio reviews – Fire V London & Retirement Investing Today

For stock pickers: There’s still a case for owning quality tech shares – GMO

Brexit

Prices rising at fastest rate in six years; BRC warns of worse if no-deal Brexit – Reuters

Kindle book bargains

Creativity, Inc. [Must read!] by Ed Catmull – £1.99 on Kindle

Barbarians at the Gate by Brian Burrough and John Helyar – £1.99 on Kindle

Start Now, Get Perfect Later by Rob Moore – £0.99 on Kindle

Turning the Tide on Plastic by Lucy Siegle – £0.99 on Kindle

Off our beat

How not to be stupid – Farnham Street

Chinese censors are first taught the truth so they know what to ban – New York Times

“I met my boyfriend 12 years after giving birth to his child” – BBC

How to develop better habits in 2019 – Ryan Holiday

Five books that explain why it seems the world is so fucked – Mark Manson

And finally…

“He gave a talk in which he argued that the way they measured risk was completely idiotic. They measured risk by volatility: how much a stock or bond happened to have jumped around in the past few years. Real risk was not volatility; real risk was stupid investment decisions.” – Michael Lewis, The Big Short

Like these links? Subscribe to get them every Friday!

Note some articles can only be accessed through the search results if you’re using PC/desktop view (from mobile/tablet view they bring up the firewall/subscription page). To circumvent, switch your mobile browser to use the desktop view. On Chrome for Android: press the menu button followed by “Request Desktop Site”.

Weekend reading: New year, old habits published first on https://justinbetreviews.weebly.com/

[itstiffanymiller]

Filmes Com Falhas

For lots of, the movies absolutely are a chance to enter a fantasy land where everything is ideal. There may well be hardship, disaster, and death. But, in the long run, all the things will work out. The hero lives, the aliens die, and adore is found. But films usually are not higher than building mistakes. Lots of movies function all kinds of historical inaccuracies and run-of-the-mill slipups the typical viewer might not be ready to identify. You'll find bullet holes when guns have still for being fired, wardrobe alternatives that are decades in advance in their character’s time, and also incorrect addresses for legendary landmarks. For an summary of many of the most noteworthy film problems, browse on.

See much more information and facts within the video clip below:

This 2000 epic historic motion picture was directed by Ridley Scott and starred two big-time actors: Russell Crowe and Joaquin Phoenix. Inside the film, Crowe plays standard Maximus Decimus Meridius. The film won the Oscar for Ideal Image and Ideal Actor. During the film, Russell Crowe’s character is supplied the nickname “The Spaniard.” That is is odd, as Spaniard is actually a French term that happened during the 1300s. Gladiator, although, requires put in one hundred eighty Ad. Extra so, for some explanation, absolutely everyone in Ancient Rome features a British accent.

Check out us for more info: Erros nas Gravações

Christopher Nolan’s The Darkish Knight highlighted Christian Bale as Batman. What's more, it showcased a great effectiveness by Heath Ledger as Batman’s enemy, The Joker. Just what the movie failed to feature was fantastic grammar. Somebody at the Gotham Periods needs to be supplied a good speaking with (or fired). The newspaper headline within the motion picture experiences of a “hiest.” It is Heist, not “Hiest.”

This 2012 Superhero movie stars Robert Downey Jr. as Iron Male and Chris Evans as Captain America. While in the fight scene close to the end, Captain America’s fit will get torn near the midsection area. Within the really subsequent scene, that rip is nowhere to be located. Exactly where did it go?

A Jacket For Han Solo: Star Wars Episode V The Empire Strikes Back. This installment of the Star Wars franchise made over five hundred million dollars. It also had a mode malfunction. From the scene during which Captain Han Solo is to the cusp of currently being frozen in carbonite, somehow a jacket seems. Who gave Han the jacket? Was it the Pressure?

Check out us for more info: Erros de Atores

[cyberbigfoot]

Erros de Gravação

For a lot of, the movies are a possibility to enter a fantasy land in which every thing is perfect. There could possibly be hardship, disaster, and demise. But, in the end, everything performs out. The hero lives, the aliens die, and love is found. But films are not earlier mentioned building mistakes. Many films feature every kind of historical inaccuracies and run-of-the-mill slipups the average viewer might not be ready to spot. You will find bullet holes when guns have nevertheless to be fired, wardrobe possibilities which can be many years forward in their character’s time, and in many cases improper addresses for iconic landmarks. For an outline of a number of the most notable movie faults, go through on.

See a lot more information and facts in the video below:

This 2000 epic historical motion picture was directed by Ridley Scott and starred two big-time actors: Russell Crowe and Joaquin Phoenix. Within the movie, Crowe performs standard Maximus Decimus Meridius. The movie received the Oscar for Greatest Image and Finest Actor. In the film, Russell Crowe’s character is specified the nickname “The Spaniard.” This really is is odd, as Spaniard is actually a French time period that came about during the 1300s. Gladiator, even though, can take put in 180 Advert. Additional so, for a few explanation, all people in Historical Rome has a British accent.

Check out us to find out more: Falhas de Gravação

Christopher Nolan’s The Dark Knight featured Christian Bale as Batman. Additionally, it highlighted an awesome efficiency by Heath Ledger as Batman’s enemy, The Joker. Exactly what the movie unsuccessful to attribute was good grammar. Someone within the Gotham Periods must be provided a superb conversing with (or fired). The newspaper headline in the film experiences of a “hiest.” It is Heist, not “Hiest.”

This 2012 Superhero motion picture stars Robert Downey Jr. as Iron Person and Chris Evans as Captain The united states. Within the combat scene close to the stop, Captain America’s suit gets torn close to the waistline location. During the extremely future scene, that rip is nowhere to get identified. Where did it go?

A Jacket For Han Solo: Star Wars Episode V The Empire Strikes Back. This installment from the Star Wars franchise remodeled 500 million dollars. What's more, it had a method malfunction. During the scene wherein Captain Han Solo is on the cusp of currently being frozen in carbonite, someway a jacket seems. Who gave Han the jacket? Was it the Power?

Stop by us for more information: Erros de Atores

[sssari]

Filmes Com Falhas

For numerous, the flicks are a possibility to enter a fantasy land the place every thing is ideal. There may well be hardship, catastrophe, and demise. But, ultimately, everything will work out. The hero lives, the aliens die, and like is found. But movies usually are not over making errors. Quite a few videos function all kinds of historical inaccuracies and run-of-the-mill slipups the regular viewer may not be ready to identify. You'll find bullet holes when guns have still to be fired, wardrobe selections which are yrs ahead of their character’s time, as well as wrong addresses for iconic landmarks. For an summary of several of the most noteworthy movie problems, study on.

See much more info in the video clip below:

This 2000 epic historical motion picture was directed by Ridley Scott and starred two big-time actors: Russell Crowe and Joaquin Phoenix. Within the film, Crowe plays typical Maximus Decimus Meridius. The movie gained the Oscar for Finest Image and Ideal Actor. While in the film, Russell Crowe’s character is specified the nickname “The Spaniard.” This is often is odd, as Spaniard is really a French term that came about through the 1300s. Gladiator, even though, can take location in 180 Advertisement. A lot more so, for a few reason, everybody in Historic Rome incorporates a British accent.

Stop by us to learn more: Erros nas Gravações

Christopher Nolan’s The Darkish Knight highlighted Christian Bale as Batman. In addition it showcased a terrific general performance by Heath Ledger as Batman’s enemy, The Joker. Just what the motion picture failed to function was great grammar. Another person at the Gotham Instances really should be given a superb talking to (or fired). The newspaper headline in the movie stories of a “hiest.” It is Heist, not “Hiest.”

This 2012 Superhero film stars Robert Downey Jr. as Iron Gentleman and Chris Evans as Captain America. During the combat scene near the finish, Captain America’s fit gets torn close to the waistline spot. From the quite following scene, that rip is nowhere being uncovered. In which did it go?

A Jacket For Han Solo: Star Wars Episode V The Empire Strikes Again. This installment in the Star Wars franchise made over five hundred million dollars. What's more, it had a mode malfunction. From the scene through which Captain Han Solo is over the cusp of currently being frozen in carbonite, someway a jacket appears. Who gave Han the jacket? Was it the Force?

Pay a visit to us to find out more: Erros de Atores

[eldestsabourin]

Filmes Com Falhas

For many, the films really are a opportunity to enter a fantasy land where every little thing is perfect. There may well be hardship, disaster, and loss of life. But, in the end, everything is effective out. The hero lives, the aliens die, and love is discovered. But videos are not previously mentioned creating mistakes. Lots of motion pictures attribute all kinds of historical inaccuracies and run-of-the-mill slipups which the typical viewer may not be able to identify. You will find bullet holes when guns have still to be fired, wardrobe alternatives which are decades forward of their character’s time, and even wrong addresses for legendary landmarks. For an outline of a few of the most notable movie errors, study on.

See far more data inside the movie below:

This 2000 epic historic motion picture was directed by Ridley Scott and starred two big-time actors: Russell Crowe and Joaquin Phoenix. In the movie, Crowe performs standard Maximus Decimus Meridius. The film won the Oscar for Finest Photo and Greatest Actor. During the film, Russell Crowe’s character is offered the nickname “The Spaniard.” This can be is odd, as Spaniard is actually a French term that happened during the 1300s. Gladiator, however, takes spot in one hundred eighty Ad. Extra so, for a few rationale, all people in Ancient Rome contains a British accent.

Pay a visit to us to learn more: Erros nos Filmes

Christopher Nolan’s The Dark Knight featured Christian Bale as Batman. In addition, it featured an incredible performance by Heath Ledger as Batman’s enemy, The Joker. Just what the movie unsuccessful to characteristic was very good grammar. An individual at the Gotham Times ought to be given a great speaking to (or fired). The newspaper headline inside the motion picture stories of a “hiest.” It is Heist, not “Hiest.”

This 2012 Superhero film stars Robert Downey Jr. as Iron Guy and Chris Evans as Captain The united states. In the combat scene close to the conclude, Captain America’s go well with gets torn near the midsection area. Within the really upcoming scene, that rip is nowhere to generally be discovered. Wherever did it go?

A Jacket For Han Solo: Star Wars Episode V The Empire Strikes Back again. This installment of the Star Wars franchise remodeled five hundred million dollars. In addition, it had a mode malfunction. From the scene by which Captain Han Solo is over the cusp of staying frozen in carbonite, somehow a jacket appears. Who gave Han the jacket? Was it the Force?

Pay a visit to us to find out more: Erros de Atores

[if-you-seek-jaimie]

Filmes Com Falhas

For numerous, the movies absolutely are a opportunity to enter a fantasy land where every little thing is ideal. There may be hardship, disaster, and demise. But, ultimately, all the things functions out. The hero life, the aliens die, and like is discovered. But videos are usually not over producing errors. Many motion pictures function all kinds of historic inaccuracies and run-of-the-mill slipups the average viewer may not be in a position to spot. There are actually bullet holes when guns have but to be fired, wardrobe alternatives which can be a long time forward of their character’s time, and even wrong addresses for legendary landmarks. For an outline of several of the most noteworthy motion picture mistakes, read on.

This 2000 epic historic movie was directed by Ridley Scott and starred two big-time actors: Russell Crowe and Joaquin Phoenix. While in the film, Crowe performs common Maximus Decimus Meridius. The film received the Oscar for Most effective Photograph and Finest Actor. Inside the movie, Russell Crowe’s character is specified the nickname “The Spaniard.” This really is is odd, as Spaniard is usually a French term that took place during the 1300s. Gladiator, even though, will take area in a hundred and eighty Advert. Extra so, for many purpose, every person in Ancient Rome incorporates a British accent.

Stop by us for more info: Erros nas Gravações

Christopher Nolan’s The Darkish Knight highlighted Christian Bale as Batman. It also featured an incredible effectiveness by Heath Ledger as Batman’s enemy, The Joker. What the film failed to attribute was very good grammar. Anyone on the Gotham Times has to be offered a great speaking with (or fired). The newspaper headline in the motion picture stories of a “hiest.” It is Heist, not “Hiest.”

This 2012 Superhero film stars Robert Downey Jr. as Iron Male and Chris Evans as Captain The us. In the struggle scene near the end, Captain America’s match receives torn near the waist spot. Inside the extremely subsequent scene, that rip is nowhere to generally be discovered. Where did it go?

A Jacket For Han Solo: Star Wars Episode V The Empire Strikes Back again. This installment on the Star Wars franchise revamped 500 million dollars. Additionally, it had a method malfunction. From the scene in which Captain Han Solo is on the cusp of remaining frozen in carbonite, someway a jacket appears. Who gave Han the jacket? Was it the Power?

Check out us to find out more: Erros de Atores

[vincentbuckles]

Weekend reading: Reading the last rites on 2018

What caught my eye this week.

And just like that it’s Christmas. Not sure if I should blame Brexit, the flu, the unseasonably warmish weather or the unseasonably bearish market, but it’s sprung up on me this year.

Even the spammers have stopped bombarding the website and sloped away to buy their Christmas turkeys. Time for me to do the same – after one last links post of 2018, of course!

Most years I suggest a few books before I take my annual Yuletide break. With just four sleeps to go until Santa, it’s hard to spin these books as gift ideas this year (although if you hurry Amazon might still manage it).

Oh well, the best presents are the ones you buy for yourself. So knock yourself out with one or two of these 2018 page-turners, to cheer yourself up if it’s socks again from the family on Christmas Day.

Thinking in Bets by Annie Duke

Nothing wildly original in this great read from a former poker star, its charm is that it’s an excellent entry-level introduction to probabilistic thinking and banishing black and white, all or nothing certainty from your investment approach.

Mastering the Market Cycle by Howard Marks

Mark’s The Most Important Thing is one of my favourite investing books, so I was disappointed to learn the other day he’s sold 500,000 copies. There goes another of my delusions of edge. This one isn’t in the same league, but everyone needs to understand that economies and markets are cyclical. Why not get a refresher from a man whose made billions from it?

Keeping At It by Paul Volcker

Must admit I haven’t yet read this! It’s in my ‘Save For Later’ shopping basket though. It seems appropriate to hear from the man who killed off high inflation at a time when its return – or not – has the market running in circles.

Bad Blood by John Carreyrou

It feels like only yesterday I was sending uplifting media stories about the female-led biotech Theranos to friends concerned about the ‘bro-fest’ of Silicon Valley. That – well, relief almost – at finding a good story to share about a young female Steve Jobs type is one reason Theranos got an easy ride. This tense, gasp-inducing expose of a multi-billion dollar scandal picks apart the rest.

Buying books for kids? Be sure to peruse Maria Popova’s selection of The Loveliest Children’s Books of 2018 (h/t Zude).

The publishing event of 2019

While we’re feeling bookish, make sure you also set aside a few pennies ready for our Monevator book. It is definitely coming next year.

Oh yes it is!

We now have a near-complete draft ready for editing. How much longer can it take? (Okay, don’t answer that.)

Once our book is out and you’ve all bought a copy, we can hope to see @TA back on-site every week, too.

What larks pip! Maybe next year will be the year the world starts to emerge from the darkness? Well, maybe.

Until then have a great Christmas and New Year – and thanks as ever for stopping by!

From Monevator

Vanguard readying its Personal Pension – Monevator

From the archive-ator: Stress test your plan with a Monte Carlo sim – Monevator

News

Note: Some links are Google search results – in PC/desktop view you can click to read the piece without being a paid subscriber. Try privacy/incognito mode to avoid cookies. Consider subscribing if you read them a lot!1

London property slump drags down UK house price growth – Guardian

UK consumer confidence hits five-year low – Retail Gazette

Business investment in longest slump since 2008 – BBC

HMRC’s out-of-date letters risk “confusing” taxpayers [Search result] – FT

British Gas owner Centrica challenges energy price cap – Guardian

SEC charges two US robo-advisers with false disclosures – SEC

Why hasn’t Australia had a recession in almost 30 years? – The Atlantic

Wagamama staff get bonuses up to £2,000 as chain is sold – ThisIsMoney

Anti-expert toll grows: Measles in Europe at a 20-year high due to the anti-vaccine movement – Guardian

There was nowhere to hide in 2018 [US dollar terms] – Pension Partners

Products and services

Bitcoin could be overseen by UK’s financial regulator – Guardian

Gatehouse Bank launches table-topping 2.1% one-year deal – ThisIsMoney

Ratesetter will pay you £100 [and me a cash bonus] if you invest £1,000 for a year – Ratesetter

Savers are barely rewarded for locking cash away for two years – ThisIsMoney

Credit card made from biodegradable PVC coming in 2019 – ThisIsMoney

Comment and opinion

Investing ideas that changed my life – Morgan Housel

Passive attack: the story of a Wall Street revolution [Search result] – FT

Once more, without feeling – AQR

The Instagram influencer side-hustle is hard to break into – New York Times

Three reasons you’ll never be financially satisfied – The Reformed Broker

Physician retires early and is met with scorn – Physician on Fire

How passive investing could change capitalism [Podcast] – Bloomberg

Not even hindsight could have helped you make money this year – Bloomberg

18 signs you were an institutional investor in 2018 – Institutional Investor

A momentum-driven Bitcoin strategy delivered a 500-fold gain – Elm Funds

You have to be in the game – Oddball Stocks

Why dividend investors should look at free cash flow – UK Value Investor

Volatility is the only asset class [Podcast, one for geeks like me] – Meb Faber

Brexit

That moment in a movie where the evil second in command has taken control and is screaming “Yes we’re going to storm the fortress armed with sticks of celery!” and about half the cast is about to get it in the neck: Treasury preps for no-deal Brexit – HM Treasury

Firms told to prepare for no-deal Brexit – BBC

Leave or Remain? The Brexit holiday dilemma [Search result] – FT

How a no-deal Brexit could affect British travelers – Guardian

A brief history of [the myriad] second referendums – BBC

How I became a Brexiteer: Merryn Somerset-Webb [Search result] – FT

30% fall in house prices on chaotic Brexit “implausible”, says RICS – ThisIsMoney

Kindle book bargains

The Barcelona Way: How to Create a High-performance Culture by Damian Hughes – £1.09 on Kindle

The 100-Year Life: Living and Working in an Age of Longevity by Lynda Gratton and Andrew Scott – £2.99 on Kindle

James Acaster’s Classic Scrapes by James Acaster – £0.99 on Kindle

Off our beat

Hyper-realistic scenes the cut from Cats: The Musical that they should have put in the movie – New Yorker

Dad and the Egg controller – Pentadact

Ex-NASA scientist’s glitter-bomb vs Amazon package thief – via YouTube

Confessions of a soulless troglodyte – Quillette

Parachute use to prevent death and major trauma when jumping from aircraft: randomized controlled trial – BMJ

And finally…

“No space of regret can make amends for one life’s opportunity misused.” – Charles Dickens, A Christmas Carol

Like these links? Subscribe to get them every Friday!

Note some articles can only be accessed through the search results if you’re using PC/desktop view (from mobile/tablet view they bring up the firewall/subscription page). To circumvent, switch your mobile browser to use the desktop view. On Chrome for Android: press the menu button followed by “Request Desktop Site”.

Weekend reading: Reading the last rites on 2018 published first on https://justinbetreviews.weebly.com/