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Extreme Personal Finance: America on $10 a Day
Published on - February 11th, 2008 (by J.D. Roth)
I love stories of extreme personal finance. In the past I've written about a guy who was homeless by choice, how to pay off your mortgage in three years, and about the most fuel-efficient driver in the world. Regular readers know of my fondness for these stories and sometimes e-mail other examples.
None, however, compares to the story Dave recently sent to me: In Albuquerque, New Mexico, there's a guy who lives on less than $10 per day. Don Schrader, a Bible major and former pastor, survives on just a few thousand dollars per year. He lives in 151 square feet of space, which he notes is just 1 square foot more than Thoreau's cabin by Walden Pond.
A recent Albuquerque Tribune feature on Schrader included the following sidebar summarizing his personal finances:
Don Schrader lives more than halfway below the threshold for taxable income for an adult younger than 65 (which is $8,750). In 2005 his expenses were $3,885. His 2006 tally of $3,635 was his second lowest ever.
"I'm in severe poverty, and I live well. Really well," he says. "I wouldn't trade places with any millionaire, any billionaire on the planet."
Schrader turns 62 on Nov. 20, and that will make him eligible to collect Social Security. (His main job over the years was as an $8-an-hour nude art model at UNM.) His monthly benefit is expected to be $357, which is about $50 more than he usually lives on, including his rent, which is $210. (His food budget is about $2 a day.) … He has bank statements that listed his balance at a local credit union at about $14,000.
Schrader doesn't own a stove, a fridge, a television, a shower, or a sink. According to the New Mexico Daily Lobo, he hasn't owned a car since 1979, and hasn't ridden in one since 07 April 2001.
He's healthy, happy, and fit.
Why does Schrader live this way? Why does he voluntarily submit to poverty? He's an anti-war protester, and has been since 1969. In his hand-written Wikipedia entry [PDF], Schrader argues:
Nothing in life is more important than refusing to pay federal income tax for war — no matter who is president. The best way to refuse to pay federal income tax for war, with no fines and no threats from the IRS, is to live simply — below the federal income taxable level.
Schrader's choices are too extreme for me. I could not make the sacrifices he makes. Much about his lifestyle makes me uncomfortable. If this is what it takes to live on $4,000 a year in the U.S., I'm not willing to do it.
Here are the articles I drew on for this story. But beware — Schrader's lifestyle and philosophy will be extremely distasteful for some readers. (I'm not joking.)
- The Albuquerque Tribune: Don Schrader reveals the inner layers of his life
- New Mexico Daily Lobo: Don Schrader openly expresses life's convictions
- Wikipedia: Don Schrader's hand-written article
What about you? Could you live on less than $4,000 a year? What values are you compromising to maintain your current lifestyle? How wrong is it that we all make these sorts of concessions? How do we decide which principles are worth standing up for and which we're willing to let go for a few bucks? For a few thousand?
Photograph by Kit_Z.
This article is about Frugality, Funny Money, News
Yikes, I'd be geeked to be getting by on $4000 a Month. Can't comprehend such a life.
this is about the range i live in. i have chosen a lifestyle of poverty, and my monthly expenses are about $400. there are some sacrifices, but also many benefits, like liesure time – who some may call a measure of wealth. i can't live on a dollar a day, like half the planet, but i can do my part by getting as close as possible, maybe $12/day, avg for the year. it takes a conscious choice.
i am also a tax resistor, and do so not by evasion, but like in the story, by staying below the federal poverty line so as never to owe any tax.
I couldn't live the life he's living either. Even if he ate more conventionally. I certainly admire his persistence in living out his convictions.
I wonder why people are so against him. Different isn't necessarily wrong.
From the Alberquerque Tribute article:
1. Later, after describing his urine therapy (he bathes in it and says he drinks it while he exercises every morning), he adds: "Of course, I grew up on a farm . . ."
2. …his only meal of the day, every day. It's an uncooked "soup" that consists of wheat kernels, sunflower seeds, flaxseed, garlic, red pepper, apricot kernels, ginger root, carrot and wild greens from the neighborhood or his garden, all soaked in purified water for 24 to 48 hours and then blended into a puree. He drinks 5 to 11 pints of this concoction a day."
He seems like a really interesting guy, and I admire the way he seems so emotionally open. But… bathing in urine?
Bathing in urine?!?
How can you be a tax resistor and reconcile the fact that you derive many benefits from taxes other people pay?
Sounds a bit hypocritical to me. I would feel like I was getting a handout.
Ah well, to each his own I suppose.
I'm reminded that "Better is always different, but different isn't always better."
His personal habits clearly indicate that he is a mentally disturbed individual. Perhaps one day he will get the help he needs.
I would agree, he is definitely deranged and needs help. He is still seeking approval from his deceased mother and father. Who do you think pays for all those boxes that he rips off from the USPS?? Defense is one of the major programs that our tax dollars go to and I am all for it.
I looked but couldn't figure out how much he spends on rent. That must be a big part of his expenses.
Dan Price lives in a hobbit hole near Joseph, OR that says he lives on about $5000 a year. Price lives a much more normal lifestyle than Schrader.
I bet if I lived in an off-grid shack on my paid for property and biked everywhere I could live on $4000.
Schrader is a local celebrity, though I've never met him. He supposedly hangs out not far from where I live, though.
I'm pretty sure I could never live as frugally as he does, though. He often writes letters to the local alternative newspaper talking about his lifestyle, and I think I'm too attached to my clean water and variety of foods to live like that.
Like Ernesto, I would find it hard pressed for my wife and I to live on $4,000/month let alone per year. Due to the expensive location of the Washington DC region, I would probably opt for buying a solar panel and moving to a Developing Nation and get more bang for my $10 a day.
@Neil – the sidebar notes in the Albuquerque Tribune article provide insight into his expenses: "His monthly benefit is expected to be $357, which is about $50 more than he usually lives on, including his rent, which is $210. (His food budget is about $2 a day.)"
More power to him for living the way he wants to. This is what freedom is all about. This is not a lifestyle that I could emulate (or want to).
His sense of hygiene in particular is very challenging to me – bathing in his own urine? Pity the poor art students who sit in class with him as a model… Oh dear.
What is wrong with using water and soap to clean oneself?
Wow, Way to much for me
I understand how he would want to live under the poverty line for paying taxes, but then does he use the library or any city parks?
There are good things to paying even a little in taxes… the point is to pay from the paycheck and no more… no refund, nothing due
@seawallrunner – Glad to see that someone can spell Albuquerque. It was misspelled four times on this page before you showed us the light.
I live on about $1000 a month now but I don't think I could get down to his level. Without work related expenses though I could probably live pretty comfortably at the $8750 threshold.
Aiigh! This guy lives in my neighborhood (not a terribly cheap one, BTW), and I see him walking around all the time. It's hard to get his bromades on the benefits of urine out of your mind when you see him. He also writes many letters to the editor about lowering the age of consent, as well.
Yeah, he is a little kooky, but I don't think actually deranged. As to seeking approval from his parents, I think that's a perfectly normal thing for adults to do, no matter their age; at least he seems aware of that.
This story resonates deeply with me, primarily in the matters of religion and sexuality. I understand how jarring those questions can be, but I admire that he's chosen to live simply. I seem to keep trying to re-establish some stability in my life by going the opposite way, towards deeper materialism.
I think this guy is living a life that would be awesome to aspire to (minus the urine).
To say the least, that is a little extreme. I couldn't make it 2 months on less than $4k.
I lived on $525 a month Canadian from 1993 to about 1997. I was a self-supporting student who was not eligible for student loans. This amount didn't include my tuition.
However, living on $6300 a year was pretty exhausting, stressful, unhealthy and often unsafe. My rent took up around $350/mo of the $525, leaving me with $175 for $65 in groceries, a $54 bus pass and $15 for social activities, with a bit of money left over. I often couldn't afford the bus pass, so I would use one transfer to go both ways and hope that no one looked too hard.
Re: not paying taxes. The guy isn't evading taxes; he's simply lowered his income enough so that he legitimately doesn't owe them. I don't think I'd want a system where you have to make enough money to pay taxes before you can use the library.
Anyway, it's nice to talk about libraries and parks, but the fact is that the current proposed national budget allocates fully 67% of the budget to military/defense spending. If you are strongly anti-war, it has to sting to work hard only to have, let's say, 15% (.25 tax rate times .67) of your income go towards military spending. I admire what this guy's doing.
For an example of a more normal lifestyle while using voluntary simplicity as a means of tax resistance, check out http://www.sniggle.net/Experiment/. He works for three to four months out of the year and earns around $30k, about half of which goes into various tax sheltered retirement accounts. That gives him about $15k a year to live on and a pretty secure future as well.
Hey! Don Schrader made it on GRS!
I've seen him around town quite a bit, mostly hanging out in front of the University holding anti-war/pro-gay-sex protest signs while wearing as little as the cops will let him. He is a colorful addition to the city.
Good for him. I have way more admiration for people like this who "protest" taxes by living below the taxable income line than those tax protesters who rake in $150K, drive hummers and suddenly have an epiphany involving Ayn Rand.
I have no desire to sit on the bus next to a guy who reeks of urine, but neither do I have a desire to site next to a guy blasting music out of his iPod, some idiot yapping loudly on their cell phone, or someone who has bathed in perfume–and those affect me much more frequently.
I agree completely with Anne.
One: bathing in and drinking urine isn't an automatically crazy thing. Plenty of ascetics do it, including some Buddhist monks in China. Also, his urine won't have much if any urea in it because he eats no animal products, so it's pretty much safe for drinking.
Two: I lived on about 350 a month while in college. Tuition was paid for with scholarships/loans, but I rented the garage of some friends. My rent with utilities was 250. I owned a car, though rarely drove. I was fine with my lifestyle for the time. It helped trim distractions while I was in school.
Afterwards I made about 700 a month and rented a room for 365 including utilities. I managed to pay down a bunch of school debt and still buy myself comics, games, books etc… Today I'm debt free. My husband and I live off around 1800 a month, even though we bring home around 3k monthly. It isn't that hard: we eat out, we buy things we want, we own two cars and rent a 1500 sq ft house. Sometimes it makes me wonder what people mean when they say they couldn't live off less than 4k a month (do you have 5 kids? Massive medical or consumer debt?). I imagine if they had to, they could. And that it would be easier than they think.
Local services like libraries and parks are usually funded through local property taxes. Since he's paying rent, we can assume that property taxes are embedded in his rent, unless the property is exempt or somewthing (like if he lived in a church).
It's really hard to find living spaces as small and as cheap as he has. My place is twice as large and more than twice as pricey, and I'm pretty much at bottom of market.
For two years during college (1996-1998), I lived in an apartment even smaller than this. The rent was $188, including utilities. It was less than 100 square feet (about 13 ft x 7 ft), and had kitchenette with 2 burners, fridge, no oven (or microwave). During one month I paid a total of about $30 for food, and of course, I didn't own a car. That was some seriously cheap living.
For the record, most of the libraries and parks in Albuquerque are supported by property taxes — which are paid only by property owners. So, whether Schrader pays income taxes or not, his rent is going to a land owner who, in turn, is paying those taxes.
Schrader lives in one of the densest parts of the city, just a block away from the only major university. His rent is unusually low, and I would guess that he's living in a converted garage.
I like clean and I'm not sure how not being so to that degree saves money (particularly).
However he achieves it, it is Frugality at its best: using the "lack of" money towards an end.
I wish I were brave enough to live below the taxable level for no other reason than the one quoted from the Wikipedia article.
I wish we could sort our taxes into general "risk" categories like we can our investments. I want a Pacifist set of derivatives. Not a pacifist? Fine, I'll pay for the hungry children; you pay for the bombs if you must have them.
Now, I can't talk smack because you don't see me giving up this computer to go live on $3k a year in spite of my so-called principles…guess that's why preachers get so much millage out of that ol' camel and eye-of-the-needle.
But, if all of us who had a [non-extreme] choice otherwise, subtracted our 15% of income from the War Machine's coffers–there'd be a lot less war.
I wonder what other societal impact, local communities specially, frugal thinking could have applying the "lack of money" theory?
Like AB, I'm intrigued by the commenters who say they couldn't live on $4000 a month. I agree, if you had to, you could. I currently make $2200 a month, am saving 40% of that,and I don't feel deprived in any way. I also live in the 2nd most expensive city in Canada. I'm not particularly unusual amongst my friends either.
I won't comment on anything outside this post because the only thing I have read related to this guy is the post.
But why is it that we have such a desire to find fault in someone who is different.
As to hypocrisy all human beings are hypocrites.
I am not saying everthing about this guy's life is admirable but he certainly has great willpower, is willing to sacrifice for some beliefs, and looks to be in quite good shape for his age.
>> 4k a month (do you have 5 kids? Massive
>> medical or consumer debt?)
You must live somewhere cheap. If I ran the numbers here in Vancouver for a 30-something couple with a 2BR condo, I'd end up with:
Mortgage & strata fees $2,500
Property tax $200
Home insurance $25
Life insurance $120
2 bus passes $150
Phone $50
Hydro $75
Groceries $400
total $3,520
This doesn't allow for a house, kids, living more than one fare zone from work, long distance calls, etc. I also forgot to throw in medical insurance, which would probably be another $50 x 2 people = $100 or so a month.
Now if you wanted to live in a 2 bedroom suite in a damp basement an hour from downtown, you could cut this cost by about $1500 a month. But then you'd need to increase the transit cost.
So $4k a month for DC? That's not hard at all. A normal middle class family would be hard pressed to live anything resembling a normal life (and I'm talking a far-flung suburban condo or townhome) here in Vancouver if they took home less than that.
I would guess that Schrader and I couldn't differ more in terms of our priorities and values, but I have to admire someone who is willing to make sacrifices based on principle. I also think he's partly nuts, but I admire him nonetheless – especially if he doesn't try to change the way I live, except through his example. And no, there is no way I could live the way he does!
I lived on about this much in college (including booze, not including tuition), so it can certainly be done.
The problem I have with this man (besides bathing in urine… ick) is that he acts as though his opinions and lifestyle should be something that everyone aspires to. I work in defense (not missiles), so I don't mind paying taxes that are being paid back to me. He is so smug, and to me it almost seems as though he's doing it not for his ideals but so he can judge others based on it.
I don't think I could ever live in less than $4000 per year. It's amazing how passionate this guy is about NOT paying taxes. I'd rather pay taxed so I could have stuff. Water is good. Very good.
I've got a few comments to add:
1. I aspire to be wealthy. I feel no guilt in in holding as a core value the drive to financial success.
2. This man fails to recognize that there are regimes and cultures all over the world that would not permit him to express his views. If we did not have a military to prevent it, be sure that communists, fascists, and extremists would be happy to put him in jail or kill him for his views. The taxes others pay keep him safe.
3. @ Anne – Military spending for the FY 2009 budget is $515.4 billion out of a 3.1 trillion dollar budget (http://www.defenselink.mil/news/newsarticle.aspx?id=48860). Even using the $700 billion dollar figure presented by Fred Kaplan at Slate.com, defense is between 16.6% (or $515/3100) and 22.5% (or $700/3100) of federal spending (NOT 67% as you state). Furthermore, this puts defense spending at between 4% and 5% of gross domestic product, which IS NOT an unreasonable amount given the security this provides.
4. Military spending is recycled through the economy through salaries and purchases from private companies. The money paid to contractors returns to shareholders and provides employment. Taxes are collected back from all of this spending. Money is also used for research and development of new technologies and products that benefit civilian and military alike (DARPA funded the early internet for example). In other words, only a fraction of defense spending is actually spent on bullets and bombs that are used to make war.
5. The guy in this story is misguided. He needs to start making a positive contribution to the world beyond being the local loon. If he is mentally ill he needs to seek treatment. If he wants to further peace causes he needs to use his actions to oppose extremism rather than embody it.
Here's a YouTube video of Schrader talking about the benefits of piss drinking:
I think that the more you earn, the more you think you cannot live on less than you earn. People's tolerance for minimum level of comfort rises slowly over time, and 'wants' become 'needs'.
Coming from a third world country originally, where some people still don't have electricity and running water, you learn to live with what you have and you never imagine you need any more than you have. Until you get it. Then you can't live without it.
Without trying to live like a primitive, you really don't need the cable tv, the snacks, the fifteen-minute showers, the movie rentals, or the super-sized soda. You can live without and be just as happy, if not moreso.
Amen to Andrea and Adfecto – excellent points. People take for granted that we live in a free , safe society. We do need to pay for this, it does not come free. Most of the posters recall their college years. Yes even I was very poor along with EVERYONE else that went to college. Now I have a wife and 3 kids to feed, a little different story. This guy is not a college student.
Its a fine line between clever and stupid
I'm going to have to disagree with Andrea a bit, Vancouver is where I live, in a very central location (not a damp apartment) and although I rent, like I said earlier I get by easily on much less than that. My point of course is that if you had to, you could. So you would rent rather than buy (a much cheaper option in Vancouver). There are much cheaper cell phone packages ($10/month) and VOIP is best for long distance calls.
VOIP means you need to pay for Internet. Cell phones may be cheaper than regular phones, but then you have no landline. (My sister works for a cell company and tells me that there are tons of places, including apartments, where there is no coverage.)
My housing example was for owning a condo. If you want to rent, you could get by with less. I think I noted that you could cut $1500 from the above.
This is, of course, for basics and doesn't allow for mere survival.
(BTW, whoever thought I was poor along with everyone else in college should take a look at the fact that I was living on much less than even a person on student loan got and that even loans students are allowed to hold a part time job, which means they reasonably lived on 50%-100% more than I did.)
I understand the temptation to express contempt against taxes and the military. The mechanics of life are easy to ignore. We drive our cars and forget about the engine, until it breaks down. People enjoy their peace, freedoms, and societal amenities, while forgetting about the taxes and sacrifices which allow them. People don't remember until there is a breakdown.
A war being fought in another land is like being stuck in traffic behind a car that won't start. It's not my problem, it just annoys the hell out of me. When MY car breaks down, i.e. when the war is at home, suddenly it's an emergency worthy of my care and support.
War, as an academic topic, is bad. It's a tragedy, and a horrific shame. However, sometimes it is neccessary.
"War is not the answer! Diplomacy!", they say. Diplomacy didn't work for the colonists, and almost 100 years of diplomacy did not end slavery in America. War did that. War stopped the Nazi holocaust. Diplomacy? Great! Whenever possible, for sure. However, we had better be ready for when it isn't possible. With any luck, today's war may even bring about lasting freedom to a people long denied.
I know when people bemoan taxes and the military, they don't always mean it. I vent, too. But, we all know that reality isn't as simple as we'd like.
Andrea- I live in the same city as JD.
We rent, as I said. We share a 5bed/4bath house with two friends close in to Portland, OR. We aren't planning on buying a house for at least 2-3 more years because we want to put a big enough down payment that we'll be paying less than 1k a month in mortgage and so we can avoid mortgage insurance.
Our monthly breakdown looks like:
Rent + bills (including electric, water/sewer/trash, cable tv/internet)= 1021
Climbing gym membership: 42
Car Insurance: 87
Gas: 90
Lunch- 120
Food out- 100
Cell phone- 42
Entertainment: 100
Total: 1802
The bills are listed here at the highest they get, which is always in Jan because we run the heat and the water/sewer/trash quarterly comes then too. So 1021 is the max my husband and I have paid for the last two years anyway in this house.
As for health insurance: we each get it free through our jobs. My husband pays around 60 a month for me for dental (since I don't get that through my job), but it comes out of his check before taxes and thus I don't count it into our take home since we never see that money. Same with the 6.5% he contributes to his 403b. We also get a free bus pass, but we pretty much drive anyway, especially in winter.
There are areas we could cut down. My husband eats out every day, though he keeps it simple with a cheap sandwich or bento bowl type lunch. I don't have to spend so much on books or video games (where that entertainment budget goes pretty much every month). We could quit eating out, quit driving everywhere etc…
But we don't. Because we like our quality of life. And we're not spending anywhere near 4k a month to enjoy it.
More power to him. A little strange, sure, but he's doing it his way, which is more than most people can say. Interesting piece, J.D.
The closest I've ever done to this is to live out of a car for a month…and I can't tell you how amazing it was to get back home to utilities. Anyone who can make that a permanent lifestyle is more principled that I could be.
I think that its admirable that he found a legal way to stand by his convictions.
I could see myself doing an extreme personal finance thing once I had a reason. I already live fairly poorly in order to get rid of my debt. But I wouldn't be able to do what he's doing. [and i would never want to drink urine, thats a little messed up]
@Anne said: "Anyway, it's nice to talk about libraries and parks, but the fact is that the current proposed national budget allocates fully 67% of the budget to military/defense spending."
Where'd you get those numbers? I can't find anything that gets anywhere near them. The OMB says the estimated '08 military budget is about $450 billion dollars, out of a total budget of $2.7 trillion (http://www.whitehouse.gov/omb/budget/fy2005/pdf/hist.pdf) I calculate that to be about 17%. Even the wikipedia disagrees with you (http://en.wikipedia.org/wiki/Military_budget_of_the_United_States), saying that 2007 costs were about $626 billion or about 3.7% of GDP. Compare this to Saudi Arabia's 10% of GDP, or North Korea's 22% of GDP or China's 4%.
Sorry, as much as I'd like to see some of that funding redirected to other areas, you aren't helping your case by providing such misleading and incorrect numbers.
icup Says:
>>a tax resistor . . . I would feel like I was getting a handout.
living in poverty as getting a handout?? that's Rich.
Dave – you quoted the 2005 numbers:
Bush's budget request was $481.4 billion for FY 2008, and is also seeking an additional $141.7 billion in supplemental funding for 2008 for the wars in Iraq and Afghanistan. Just that total alone is $622 billion dollars on defense. That totals 21% of the entire 2008 federal budget!


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Five Guru-style transportation picks
Many transportation companies have fared quite well despite the sluggish economy. Here are some that my Guru Strategies like.
Since the global economic meltdown of 2008 most investors haven't expected much from the economy, and that doesn't seem to be changing. For many if not most analysts and pundits, the best-case scenario for the U.S. involves "average" growth in coming years; more likely scenarios involve prolonged "tepid" growth; and downside scenarios involve complete and utter financial disaster.
Given all of the economic concerns, you might not expect the transportation sector -- which tends to move in step with the broader economy -- to be a place to find good investments. But the economy has done a bit better than expected since the recession ended in mid-2009, and many transportation companies have fared quite well. In fact, the Railroad and Trucking industries are number one and number two on my Validea Growth Index, which ranks industries based on the growth characteristics of the companies within them.
And, while these industries have been producing some strong growth in recent years, the talk of economic doom and gloom has kept many of their valuations at very reasonable levels. Investors have begun to warm to them, with railroad stocks up about 15% so far in 2013, and trucking stocks up more than 18%, according to Morningstar.com. My Guru Strategies, each of which is based on the approach of a different investing great, are finding a number of transportation stocks that look like they still have a lot more room to run. Here are a handful that are near the top of the list. As with any quantitative screening approach, you should invest in stocks like these within the context of a well diversified portfolio to limit stock-specific risk.
C.H. Robinson Worldwide (CHRW): Robinson ($9 billion market cap) is a worldwide third-party logistics and freight company, meaning that it doesn't own the transportation equipment it uses. It instead works with close to 50,000 transportation companies around the globe to provide truck, rail, air, and ocean freight services.
The Minnesota-based company is a favorite of my Warren Buffett-based model. A few reasons: It has upped EPS in each year of the past decade; has no long-term debt and it has averaged a 29.7% return on equity over the past ten years.
Union Pacific Corporation (UNP): This Nebraska-based company is the parent of Union Pacific Railroad, which operates in 23 states in the western two-thirds of the U.S. Its lines connect with Canada's rail systems and the firm is the only railroad serving all six major Mexico gateways.
Union Pacific ($66 billion market cap) gets strong interest from my Peter Lynch-based model. Lynch famously used the P/E-to-Growth ratio to find bargain-priced growth stocks, and when we divide Union Pacific's 17.2 price/earnings ratio by its 22% long-term growth rate (I use an average of the three-, four-, and five-year earnings per share growth rates to determine a long-term rate), we get a P/E/G of 0.79. That comes in under this model's 1.0 upper limit, a good sign.
Lynch also liked conservatively financed firms, and the model I base on his writings targets companies with debt/equity ratios less than 80%. UNP's 45% D/E is thus another good sign.
J.B. Hunt Transport Services (JBHT): Arkansas-based Hunt ($8.2 billion market cap) is a transportation logistics company active in the continental U.S., Canada, and Mexico. Its offerings include transportation of full truckload, containerizable freight, It also has arrangements with many North American rail carriers to transport truckload freight in containers and trailers.
Hunt's earnings have increased in all but one year of the past decade; it has enough annual earnings ($311 million) that it could pay off its debt ($585 million) in less than two years if it needed to; and it has averaged a 28.3% ROE over the past decade. All of that earns it high marks from my Buffett-based model.
Kansas City Southern (KSU): This Kansas City-based rail firm is a holding company that has railroad investments in the U.S., Mexico and Panama. In the U.S., its main holding is the Kansas City Southern Railway Company; its primary international holdings include Kansas City Southern de Mexico, S.A. de C.V. and a 50% interest in Panama Canal Railway Company.
Kansas City Southern ($11.4 billion market cap) is another favorite of my Lynch-based model. While its shares may look pricey, trading for 30.3 times trailing 12-month earnings, the firm has been producing the kind of growth that justifies that valuation. It has grown the EPS at a 37.2% rate over the long haul, making for a solid 0.81 P/E-to-Growth ratio. In addition, the firm has reasonable debt, with a debt/equity ratio of 52%.
Saia, Inc. (SAIA): This Georgia-based transportation company offers a range of less-than-truckload, non-asset truckload, and logistic services. It operates 147 terminals in 34 states, and has 8,000 employees across the U.S.
Saia ($575 million market cap) has taken in more than $1 billion in sales over the past year. It gets strong interest from my James O'Shaughnessy-based strategy. The model looks for firms that have upped earnings per share in each year of the past five-year period, which Saia has done. The model also looks for a key combination of variables: a high relative strength, which is a sign the market is embracing the stock, and a low price/sales ratio, which is a sign it hasn't gotten too pricey. Saia has a red hot 12-month relative strength of 94, but its P/S ratio remains a bargain-priced 0.54, so it passes with flying colors.
I'm long CHRW and SAIA.
John Reese is the founder and CEO of Validea Capital Management and Validea.com and the author of The Guru Investor: How to Beat the Market Using History's Best Investment Strategies.
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subset: commoncrawl


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Director Tim Sullivan has had a busy news day. Not only has he announced that the sequel to his "2001 Maniacs" remake has the new title of "2001 Maniacs: Field of Screams", he has also released three new pictures from the movie. The most important items of note is that Robert Englund has been replaced by Bill Mosely, and Christa Campbell in a milkmaid costume.
In quite possibly the oddest news of the day, The Weather Channel has announced it will be adding movies to its channel lineup. Starting out with a showing of "A Perfect Storm" on Oct. 30th, the lineup shows that it will be a weekly string of weather themed movies. Most notable to us horror fans is Stephen King's "Misery", because of the snow.
From the unexpected and unwanted reboot desk comes word that a script for a new "Crow" movie has been turned in and the studios dig it. Written by Stepehn Norrington who helmed "Blade", the movie is said to not be a remake but a whole new character.
Dread Central has posted a slew of new "Stan Helsing" clips, and I still remain unexcited!
An alternative Denver newspaper is hiring a new reviewer. In particular, they're looking for a writer to review the state marijuana dispenseries and their products. Good luck getting them to meet deadlines.
The King lives on through expensive hair. Elvis' hair, chopped from his head upon his enlistment to the US Army, fetches $15k from a recent auction. Someday, the hair that's quickly making its exit from my own scalp will make me rich.
1836 – Sam Houston is inaugurated as the first President of the Republic of Texas.
We're still six months away from seeing Benicio Del Toro running around the screen in "The Wolf Man" but today the trailer has hit the web. The film is an update on the 1966 Lon Chaney Jr. classic and from the looks of things will do the original justice.
Little birdies are telling me that the trailer for "The Wolfman" will be hitting the internet today. However since I get up at the crack of dawn like an old man, it's not up yet. Check back for updates???
ABC is at the top of the heap when it comes to picking up "Clive Barker's Hotel", the series being written by Marcus Dunstan and Patrick Melton. It also turns out that McG's production company is in talks to produce, with the possibility that old G might take a hand at directing down the line.
A movie that doesn't exist yet, "Resident Evil: Afterlife", has a release date set for August 27th, 2010. That's a little more than a year away.
Say what you will about the people behind "Saw", they they sure know how to make awesome posters.
There have been three deaths at Disney World in the last seven weeks. I always knew that place was made of pure evil.
Viking religious ceremony scares the crap out of residents in local park. I'd be scared too if that many giant gingery people were gathered in the same place all at once. They can only be up to no good.
1191: Crusaders massacre 3,000 bound Muslim prisoners at Acre, after a breakdown in negotiations over payment of their ransom. The killings take place in full view of the army from which they were taken.
So last week, I made the suggestion that I was Santana and BGH was Rob Thomas. This was met with derision, of course. I did enjoy the suggestion of me being Michael McDonald and BGH being James Ingram, but, of course, most of you have no idea who either of those guys are because they aren't on Roadrunner. OK, so let's try this: I am Jimmy Buffett and BGH are a large group of middle-aged yuppies who come to my concert to forget their workaday lives of strife. Fins to the left, gang!
Because we did it so well the first time, it looks like Legendary Pictures are in talks to bring back an Americanized version of "Godzilla". While this news is quite maddening, what's really aggravating is how every movie news outlet that has picked up the story has used the headline "GODZILLA ROARS AGAIN!". Seriously, guys? Maybe I expect too much for a guy with the moniker of "Mr. Disgusting".
So, if the "Godzilla" news didn't screw up your morning, well, here you go: MGM has put the remake of "Poltergeist" on the fast track. Here's to hoping that the new Carol Anne lives to be 13!
Even though the movie won't be ready for another 37 years, Universal has released some new stills for The Wolfman. Is it just me or does Benicio Del Toro look like a cross between an almost transformed werewolf and Jet Li?
Is it weird that I've jerked-off to this video twice now?
A South Korean biotechnology firm is opening a "dog cloning center". Suspiciously, the center is named "Super Happy #1 Buffet", so I am suspicious of their intentions...
Remember that Will Smith song "Miami"? That was a great song. You know, now that I think about it, the whole "Big Willie Style" album was pretty good. Either way, some chick in Miami set herself on fire and continue to mosey through a mall. I guess you could say she was "Gettin' Flammable Wit' It!" Na,na, na, na, na, na!
According to a survey, the Dutch prefer a good dump to having sex. Here in America, we like both so we invented the blumpkin! GO USA #1 LOVE IT OR LEAVE IT THESE COLORS DON'T RUN!!!
In 1908, the first beauty contest was held in Folkestone, England. Of course, being England, there were no winners. AW SNAP OH NO I DID NOT GO THERE OH I DID GIRLFRIEND!
The poster for Richard Kelly's "The Box" (link fixed) features a big, terrifying picture of... Cameron Diaz's face. Yikes.
The remake of "The Creature from the Black Lagoon" is on hold while they see how "The Wolfman" remake does. The creature design is already done, and at this point they're just waiting for the go-ahead from the studio.
Radha Mitchell seems genuinely upset in this interview that although a sequel to "Silent Hill 2" is in development, the original director probably won't return. Which leads me to believe she never actually saw the original film, which was a steaming pile of the highest order.
If you're interested, there's two new "H2" videos floating around this morning. You know, in case you really wanted to hear an interview with a 19 year old girl about a sequel to a remake to a film that she had probably never seen or heard of before signing on to star in it. Who wouldn't want to do that?
Fangoria is holding a massive movie prop auction that you can actually watch and participate in online. Fancy that!
That truck driver who just cut you off on the highway? You might not want to fuck with him, because the FBI thinks there's a good chance he might be a serial killer. Not sure why it took them this long to come to that conclusion, but at least it's confirmed my irrational fear of truck drivers.
Remember when you saw that gang of roving kids in "Hostel" films and thought, "bullshit"? Ya, maybe Eli Roth is smarter than we thought.
Boy found dead in industrial sized oven, burnt to a crisp. Police could not confirm or deny reports that they were looking for a 6-inch tall Gingerbread man who sounds like Gary Busey.
There aren't adequate words to describe the sheer stupidity of the "Twilight" religion, so I'm not even going to try.
1970: The X-rated movie Midnight Cowboy wins the Oscar for Best Picture.
This time tomorrow I'll be on a plane bound for Indianapolis and Horror Hound Weekend. We will have updates for the site, but I'm just not entirely sure when they'll go live. So be sure to check back all day, and if you're headed out to the convention as well, see you there!
Fred Durst to direct horror film from the writer of "Se7en" and "The Wolfman". Yup, THAT Fred Durst. Guess he's taking a break from shitty music for a bit to make some shitty movies. Can't sneeze at that writer's cred though I guess. Then again... FRED DURST.
Bigfoot contracts rabies in "The Bloody Rage of Bigfoot". Isn't it amazing how sometimes the best ideas are the simplest?
Prepare for your mind to be blown. Universal has nabbed the rights to the comic book "The Strange Adventures of HP Lovecraft", and Ron Howard's producing. With Lovecraft's popularity surging in recent years thanks to the internet, I figured it was only a matter of time until he found his way into a mainstream movie, but Ron Howard? No director has been announced yet, but the speculation is that Howard will take it himself. Whoa.
Cameras roll next week on a remake of 1975's "The Land That Time Forgot", directed by C. Thomas Howell. I know it seems like I'm just pulling these names out of my ass today, but I swear I'm telling the truth!
Japanese man confirmed to have survived BOTH the Hiroshima and Nagasaki atomic bombs that ended WWII. First he was on business in Hiroshima, then he returned home to Nagasaki just in time to get slammed again. Remember that next time you think you're having bad luck.
The "PMS Reminder" app for the iPhone sends you a handy email once a month to remind you to watch your P's and Q's. I would just bury the icon a few pages in... don't want the fiance stumbling on that one.
I think we can all agree that we hated the "rich kids" when we were younger... but I kind of like this one, who drew a ginormous 60 foot penis on top of his parents house, visible from the air. Gotta admire that kid's moxy. The best part? It was months before his parents found out. (now with 100% more linkage)
1830: Joseph Smith publishes The Book of Mormon, after translating it from golden plates turned over by the angel Moroni. Smith maintained that the text contained in the tablets were written in "Reformed Egyptian" which he read by means of two magic stones from the Old Testament, the Urim and Thummim.
This week we discuss alchemy, camera technology, a first time guest host joins the show, and we review "As Above, So Below".
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Dry Creek Valley, CA
14.9% alcohol
80% Zinfandel, 15% Petite Sirah, 2% Carignane, 2% Mataro and 1% Grenache
(I didn't grill outdoors but broiled a T-bone steak until lightly pink in the center.)
Purple-red color. From Paul Draper's notes:
"...flooding during the winter of 1996-97 but no rain after February allowing the largest and earliest set in 26 years of history of the vineyard. To ensure integrity and full ripeness, [the manager] dropped 1/3 of the crop in the young vines and 10% on the old vines, still achieving record yields. Taking advantage of unusually rapid color and tannin extraction, the skins were allowed to float during fermentation, rather than keeping them submerged...the 1997 is ripe and rustic--classic "old-style" Lytton Springs. Its lush fruit will be most appealing over the next five years." (i.e., 1999-2004)
As Mr. Draper tends to do, the forecast for aging potential was on the very conservative side. I feel the wine is wonderful now, 12 years after the vintage. It has a viscous texture and delivers a lush nose of ripe dark fruit and almost a floral note--violets or peonies?--and a whisper of autumn leaves. On the palate--ripe dark fruits-- blackberries and dark-skinned plums. Mouth-filling fine-grained texture; long-lasting finish. Carries its high alcohol level gracefully. I don't find it "rustic"--just utterly delicious and satisfying although it faded some on the third evening. I would score it in the 90's.


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|Media Release
Lancaster County Sheriff
June 21, 2010
On Saturday June 19, 2010, at approximately 10:22P.M., deputies and Hickman Volunteer Fire Department was detailed to Wagontrain Lake regarding a boat in distress. A storm was moving through the area at the time, causing high winds, lightning, thunder and heavy rains. The boat capsized with 3 people aboard. Michael Jones, age 55 of Lincoln was rescued by Hickman Fire as he was holding onto the overturned boat.
35 year old Chantel Gehlsen became separated from the boat and eventually made her way to shore where she was assisted by campers in the area and turned over to Fire Department personnel for treatment.
29 year old Amos Prochaska of Lincoln, the boat's owner became separated from the craft and disappeared. Lincoln Fire Department Dive Team and Game and Parks Personnel were also involved in the search. Thermal imaging equipment, sonar and the dive team were unable to locate Prochaska. The search was suspended Saturday night due to the weather and darkness.
Sunday, June 20, the search resumed, only to be suspended again because of the severe weather conditions.
Monday, June 21, 11:45 A.M. Prochaska's body was located in about 15 feet of water by Lincoln Fire Water Rescue Team 35 feet from where the boat sank.
None of the three passengers in the boat were wearing floatation devices. An autopsy is scheduled to determine the cause of death.


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- Sam Ash Gift Guides
- Hot Deals
- Guitars
- Bass
- Accessories
- Live Sound
- Keyboards
- Microphones & Wireless
- Recording
- DJ & Lighting
- Drums
- Books/DVDs
- Band/Orchestra
To automatically re-order this item before you run out, select the recurring order option during checkout.
DVK Technologies The Mrs. Compressor/Boost Dual Function Pedal features 2 extremely useful tone enhancers in on compact pedal. Order yours from Sam Ash Direct today for the guaranteed lowest price.
Now you can send your tone through the roof with DVK Technologies The Mrs. Compressor/Boost Dual Function Pedal. This pedal is perfect for the player who is looking for that little extra something to send their tone into the next stratosphere! This dual function pedal also opens up the tonal range on some of the more simplistic amplifiers that don't offer a lot of flexibility. The compressor side delivers modern Nashville type sounds to accent your lead playing. The Boost side provides just the right amount of overdrive that will cut through any band.
The Compressor can be used by itself or in a combination with the boost. Its circuit is one of DVK's own based on a few legendary compressors that they admired and found useful in the past. It features a 'norm/bright' switch that, when switched to the 'bright' side, will give your sound a bit more zing or top end.
The Booster side will provide up to xxxdB of gain ('Level' control) with the added bonus of a 'Gain' control to dial in a little drive or edge. Another feature of the booster side is the 'Norm/Fat' toggle switch, which, when engaged in the 'Fat' mode, will give your bottom and low mids a kick in the guts.
Because The Mrs features two circuits (compressor and booster) you can, of course, combine the two. Doing so will give you a sonic pallet that goes from loud and clean to outright filthy. If desired, you can drive the booster harder with the compressor side resulting in some pretty crazy (and loud) dirty tones. This sort of application is just the thing to push an amp in near breakup mode right over the edge.
Order The Mrs. Compressor/Boost Dual Function Pedal from Sam Ash Direct today with the security of our 45/60 day return/price protection policy, and be sure to take advantage of our fast, free shipping.


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Back to Document
Many different gynecological inflammations and infections require the clinical care of a physician or another health care professional. It is very important for a woman to seek medical care to determine the type of infection present and the appropriate treatment.
Listed in the directory below you will find additional information regarding these gynecological conditions, for which we have provided a brief overview.
Pelvic Inflammatory Disease (PID)
Healthgrades America's 100 Best Hospitals for Coronary Intervention™ for two years in a row (2013 -2014).
Be a hero. Get them to a Memorial Health System ER.
Belpre | Marietta | Selby
You're in healing hands with Strecker Cancer Center in Marietta and Belpre.
ER and Physicians Care Express wait times are approximate and provided for informational purposes only. If you are having a medical emergency, call 911.
Our wait times are updated every 15 minutes. The wait time provided displays the amount of time (in minutes) that it takes for a patient to see a qualified medical professional from the time of their arrival at the Emergency Room or Physicians Care Express location. The wait time displayed represents a rolling-average of the previous 120-minutes for all patients who are currently visiting our Emergency Room or Physicians Care Express locations.


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Tron edition monster light disc
So Valentine's over, but most birthdays aren't. And if your lover boy is a mega fan of them Tron movies, then this is something that will make him love for eternity. Just the mere fascination, I mean, for the movie is sufficient for men to behave like boys and go candy-eyed at something as ordinary as an audio dock. This Monster Light Disc Dock's Tron edition costs $109.99.
[Available at Amazon]


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Navigating our way towards a developed and updated maritime policy and regulatory regime that will position South Africa into...
SAMSA advises all stakeholders of small vessels of the coming into force of the Merchant Shipping (National Small Vessel Safety) Regulations, 2007, as amended.
These regulations have consequential amendments, Declaration under section 3(9) of the Merchant Shipping Act (57/1951) and Ship Registration Act. SAMSA will inform in due course regarding amendments (if any) to SAMSA Marine No. 13 of 2007 (SAMSA's policy regarding small vessels).
Furthermore, SAMSA accredited various small vessel training institutions and approved examiners, published as Marine Notice No. 22 of 2008.
Various small vessel safety pamphlets have also been published and distributed for public interest and information.
Safety checklists are also available for Category B, C, D, E and R vessels for preparation of safety surveys.
Category B
Category C
Category D
Category R
Queries should be submitted to one of our offices – listed on this site or send us an e-mail email@example.com


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The following information is published here to guide students through the graduate application process, though scheduling time with a graduate advisor is also recommended.
Required Materials
- A completed graduate studies application.
- An official transcript from each institution attended.
- One official copy of your general GRE test scores. Please have your GRE scores sent by ETS (Educational Testing Service) to the University of Houston, University Park Campus (Code: 6870). The Department of Psychology will only accept official GRE scores sent from ETS.
- Three letters of recommendation.
- A career statement, please include two faculty members with whom you wish to work during your graduate school process.
- A $55.00 non-refundable processing fee.
Submission Process for Domestic Applicants
Program deadlines for receipt of application materials are as follows for fall admission the following academic year:
|December 1
|Clinical Psychology
|December 1
|Developmental Psychology
|January 15
|Industrial/Organizational Psychology
|January 15
|Social Psychology
We highly encourage applicants to submit their materials electronically:
- through myUH, and
- with electronic ETS delivery of test scores and
- electronically delivered transcripts by academic institutions, if available.
- Letters of recommendations should be received electronically.
For hard-copy submission of transcripts:UNIVERSITY OF HOUSTON
Submission Process for International Applicants
In addition to the materials listed above, the International Admissions Office requires that you submit the following:
- An official copy of your TOEFL scores.
- A letter of financial backing.
- The statement of understanding located in the application booklet.
- Two passport size photos.
- A $75.00 (US$) processing fee in addition to the departmental processing fee. The departmental fee must be sent directly to the Department of Psychology, NOT the International Admissions Office.
Please forward all materials to:
International Admissions Office
University of Houston
Houston, TX 77204-2161
United States of America
Send a copy of these materials, as well as the $55 departmental fee, to the address listed in the section for domestic applicants.
See http://www.uh.edu/admissions/international/ for further information of interest to graduate international applicants.
All applicants: You are encouraged to contact the Academic Affairs Office (email@example.com) to ensure your materials are arriving as requested. Applicants may be nominated for a Presidential Fellowship.


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It is without a doubt one of the most beautiful open-air stages in the world. The ruins of this abbey church are so stunning that they were used for theatre performances only a short time after the 1761 fire that devastated the building. The modern-day festival in the Hessian town of Bad Hersfeld was launched in 1951. Since that date, at least four plays or musicals have been performed in the ruins each summer – and the erection of a covered stand has allowed the show to go on whatever the weather.
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A fat Jamaican biotch who excels at poker, the lottery, and forecasting the weather.
"I thought Miss Cleo was the smartest person in the world, but then I remembered that not only was she fat but she was also black. If you can't read a book or eat sensibly, then you probably can't tell the future."
od uživatele William Stephens 22. Duben 2006


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150 Years Ago Today…
October 2014 S M T W T F S « Sep 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31
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- Liz Bezera on 3 July 1864: "[...]we have fixed up our quarters with bowers, etc – very nice – I built me a spring bed two hickory poles – lay barrel staves on them – tack them down – and I have as good a bed as I want."
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31 May 1863: "I find that the pamphlet has been industriously circulated, and as I have been attacked in it has become a necessity for me to defend myself…"
Item description: Letter, dated 31 May 1863, from Major General Lafayette McLaws to General Hood, defending McLaws' leadership at the Battle of Antietam. Item citation: from folder 7 in the Lafayette McLaws Papers, Southern Historical Collection, Wilson Library, University of … Continue reading
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Hinder have suffered another setback during their current tour. The band has been forced to cancel their appearance in Boise, Idaho next weekend after a tour bus accident resulted in some injuries for members of the band and crew. Although the details of the accident have been sketchy, the bad did issue a statement:
"Hinder regrets to inform their fans that they must withdraw from their appearance at the Boise Music Festival on July 27th. Last night when the band was traveling on their tour bus, they were unexpectedly cut off by another vehicle. Members of the band and crew suffered injuries and spent the night in ER. Under doctor's orders, the band will be taking some time off to heal, and plans to resume their tour on August 10th in at the Miami County Fair in Troy, Ohio."
That follows the news from earlier this month that frontman Austin Winkler would be sitting out the tour in order to return to rehab. Saving Abel singer Jared Weeks and producer Marshal Dutton are scheduled to fill in on vocals. As noted by the band, Hinder's tour will resume in August.
More and more and more and more


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Today's companies need to make innovation a higher priority, or more ingenious minds will capture tomorrow's wealth. Time and again we've seen it happen — particularly in the tech sector where brilliant startups and breakthrough ideas routinely shake up the field, and fortunes are made seemingly overnight. Tech companies know they've got to stay at the cutting edge, or get left behind. But now, as markets and expectations continue to change, traditional brick-and mortar businesses would do well to follow in their footsteps and systematically redirect a percentage of their profits toward innovation.
In the continuing quest for business growth, many companies have come to rely too heavily on cost cutting. In the past few decades, for example, outsourcing has become increasingly common: Headquarters plays the role of architect, while lower-cost markets execute or replicate, performing what is generally lower-skilled work. In basic principle, this arrangement is not dissimilar to the age-old hometown business model, with management upstairs and workers on the factory floor. These days the factory floor is a lot farther away — and that, as the news frequently reminds us, can be problematic. Outsourcing not only poses supply chain risks that can damage a brand, but it's also making the strategic differentiation between companies narrower and narrower.
This lower-cost work base generates more profit for the company, of course — but where is that money going? Ideally, this could be re-invested to secure against the future. However, most public businesses are not putting these savings into new ideas, innovations, R&D, or other kinds of competitive planning. Instead savings go to activities aimed in part at increasing share price. There is nothing inherently wrong with wanting to increase share price, but when this becomes the primary focus, the longterm health and sustainability of a brand are put at risk.
While stockholders are sometimes referred to as owners of the company, their intent and priorities are not the same as an owner's. Stockholders also aren't in it for the long haul. Fifty years ago, shareholders were content with earnings that were slightly higher than the cost of the capital, and they tended to hold on to stock for an average of eight years. But changing times and changing market conditions sparked a thirst for higher returns. Now, investors demand higher growth targets and, on average, sit on stock for a mere four months. Further, most managers of public companies are compensated by stock. This means they also have an incentive to see the stock price rise, as opposed to laying down a cogent long-term plan for steady, sustainable growth. All this focus on stock price reduces the likelihood of spending money on anything risky, as generating consistently high margins takes priority over investment going back into the company. R&D, new product development or idea generation, can be expensive and there's no guarantee of success. Yet, the irony is, it's practically impossible to meet the rising expectations of shareholders and create wealth unless companies innovate.
That's why technology companies champion innovation. Google's 20% program is a good example. The 20% time is really the key to innovation at Google. They've hired the best people they can find (arguably some of the best available), and said "follow your passions, and make cool stuff ." Does it yield brilliant solutions? Not always. Google's had its share of duds. But this method of (micro) crowdsourced innovation has been extremely effective for Google. Think Google News, Google Reader, Google Trends, and Google Maps, and you'll get a sense of what that 20% did for Google. As of now, these applications only generate about 1.5% of Google's total revenue (about USD $50 million), but we must consider the magnitude of the growth opportunity, especially in the long term.
Since its stock market launch in 1997, Amazon has also doggedly adhered to a long-term vision and resisted bowing to shareholders' quarterly demands. "It's all about the long term," CEO Jeff Bezos said then. He also warned shareholders that the company might "make decisions and weigh tradeoff s differently than some companies." Amazon's management and employees, he insisted, are "working to build something important, something that matters to our customers, something that we can tell our grandchildren about."
The company takes a beating from investors during earnings reports, and Bezos' outlier position baffles many mainstream managers, but economists tend to laud the strategy, which off ers economies of scale and weakens (or eliminates) competitors. Borders has been pushed out of business, Barnes & Noble is struggling, and Best Buy has taken a hit. "If everything you do needs to work on a three year time horizon, then you're competing against a lot of people," Bezos said in an interview in Wired last year. "But if you're willing to invest on a seven-year time horizon, you're now competing against a fraction of those people, because very few companies are willing to do that. Just by lengthening the time horizon, you can engage in endeavors that you could never otherwise pursue. At Amazon, we like things to work in five to seven years. We're willing to plant seeds, let them grow — and we're very stubborn."
Amazon's patience, commitment to innovation, and customer focus may explain why its growth is double that of e-commerce rates overall. Of course, one could argue that Amazon can afford to protect its vision and defend innovation because it's so large, but there are plenty of other large companies that are far more focused on short-term gains than vision and long-term growth. Tech companies thrive because they are bucking the short-term growth trend and proving that the long-term good of their organization and brand is more important than satisfying investors on a quarterly basis.
When companies institutionalize innovation as Google and Amazon have, they're more likely to generate new products, services, and customer experiences. They're also more likely to improve performance, invent new business processes and models, lower cost structure, and open up new business opportunities. Interestingly, whenever (usually ex-) employees say Google's 20% program is being threatened or is a sham, the discussion always returns to how important it is to protect and defend innovation and R&D at a tech company if it is to survive the future. And indeed, innovation is probably the best way to futureproof any company.
If that's the case, why do we think innovation is more important for tech companies than offline businesses? Sure, technology changes rapidly, but so can competitors and consumer interests. Therefore, all companies should be evaluating their products, services, and methodologies to ensure everything from workplace practice to business methodology, and product relevance is still competitive and in line with the targeted customer. Also, rather than constantly trying to return money to shareholders or investing large sums to position themselves against competitors, companies could invest in ideas and longterm strategy that would help them. In time, shareholders would be richly rewarded too.
The alternative is to chase short-term stock price growth, run the company into the ground, regroup, and start over. Some organizations like construction companies actually specialize in this. However, there are numerous problems with this strategy. In fact, one of the areas impacted most is brand. Brands are costly and often time-consuming to build. Any gains acquired by turning around your company under a new name would be off set by the time and money spent rebuilding the brand identity every other year. It's far better in the long term to innovate and create something the world actually needs or desires.
Many companies fall behind the innovation curve not for failing to keep up with competitors, but because they've failed to embrace the future. Going forward, companies will fare better that undertake the challenge of innovation instead of focusing myopically on unsustainable growth strategies. These "radical innovators" may not always win, but when they do, they win big — and they'll triumph over the long haul.


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One display area that we skipped was "Arctic and Antarctic, our polar regions in peril". That was seriously the label hung on the wall to describe the display hall. The first chapter of the visitors guide goes on to say that "climate change, which is causing warmer ocean temperatures, melting ice, rising seas, and more, is posing a serious threat to these fragile ecosystems and ultimately people and animals across the globe." They go on to say "the scientific evidence is clear- Earth is warming" blaming the "warming" on burning of coal, oil, natural gas and deforestation. They claim sea levels could rise more than 3 feet by the end of this century.
Later in the booklet, they claim that while the kelp forests recover following the warm temperatires of El Nino conditions, they will not be able to adapt to permanent rises in ocean temps due to climate change.
They also say that sand temps in Florida have increased already, causing 90 percent of Loggerhead turtle hatchlings to become female.
Next, they claim that ocean acidification due to fossil fuel burning and increased CO2 in the water causes decreased availability of carbonate materials for shell creatures.
Only the Lorakeet forest remains unmolested by the ravages of climate change, apparently.
The portion at the end of the book about "what you can do" could have been written by Obama himself. It recommends conserving electricity and water in the home, switching to CFL and LED light bulbs, weatherizing windows, combining car trips, "purchase carbon credits from companies that provide them to offset the emissions that you cannot yourself eliminate", contact your representatives about climate change and talk to family, friends and neighbors about climate change.
Did these people never hear about Climate Gate? I love the displays and animals at the aquarium, but it is dangerous to the minds of impressionable children. Best to attend armed with skepticism and the latest research data to counteract the relentless propaganda spewed at the kids by the aquarium administration.
|Humans mix it up with ocean creatures, up to 5 divers were in the tank entertaining young and old alike.


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Growth record supported by both Distribution and IT Solutions businesses
Year-on-year first half highlights (six months ended June 30, 2012)
Amadeus IT Holding, S.A. (Amadeus: "AMS.MC"), parent company of the Amadeus Group, a leading transaction processor and provider of advanced technology solutions for the global travel and tourism industry, has announced year-on-year financial and operating results for the first half of 2012 (six months ended June 30, 2012).
The strong cash flow generation in the period drove consolidated net financial debt down to €1,654.7 million as of June 30, 2012 (based on covenants' definition). This represented 1.53x the last twelve months' EBITDA and was down by €197.1 million vs. December 31, 2011. In May the European Investment Bank (EIB) granted Amadeus a €200 million senior unsecured loan with a nine year maturity for investment in R&D. Separately Amadeus also later announced the signature of a club deal with eleven banks for a €200 million revolving credit facility, with a two-and-a-half year maturity from completion date. Both facilities were signed on favourable terms.
Luis Maroto, President & CEO of Amadeus, commented on the first half of the year:
"We also continued our long-term corporate financing strategy of maintaining flexibility and adequate maturities, along with cost efficiencies from diverse funding sources. In May we were granted a €200 million R&D loan from the European Investment Bank, and we also announced the signature of a €200 million revolving credit facility. We continued deleveraging to reach a net debt of 1.53x last twelve month's EBITDA and recently Standard & Poor's raised its outlook on Amadeus to 'positive'.
"The global economic outlook remains uncertain, and air traffic and GDS volumes have shown weakness in recent months, driven by the economic environment. Nonetheless, we believe that our business model will continue to prove resilient and support good results for the second half of this year."
Summary financial information:
2 For purposes of comparability, the revenue associated to the IT contract with United Airlines in Q2 2011, as well as certain costs of migration that were incurred in relation to this contract, have been reclassified from the Revenue and Other operating expenses captions, respectively, to the Other income (expense) caption in the 2011 figures.
Amadeus publishes first half results for 2012
Source = Amadeus


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DC Reads Kickoff featuring the Silk Road Dance Company
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The DC Public Library celebrates the joy of reading with Reading Lolita in Tehran by Azar Nafisi during its DC Reads citywide reading program from Oct. 15-Nov. 15.
Join us for a day-long kickoff event celebrating the history and culture of Iran, including children's craft activities, a performance by the Silk Road Dance Company and screenings of two films, A Separation (Jodái-e Náder az Simin) and Persepolis.
Schedule of Events
10 a.m. – Leaving Iran Film Festival
1 p.m. – Persian Crafts for Kids
2 p.m. – Silk Road Dance Company
DC Reads: One Book. One City. One Good Read. is an annual literary event sponsored by the DC Public Library that encourages the community to come together through the reading and discussion of a common book. This citywide program is a four-week celebration of the joy of reading, which will include discussions and special events inspired by the themes and issues of the book. The goal of the program is to promote the pleasure of reading, appeal to a wide audience generating in-depth questions and discussions, and engage the community in an array of programs using various artistic means.
Find more information on our DC Reads page.


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ACCOLADES & AWARDS2009 Slater Sonoma Valley Zinfandel
2009 J. Baldwin Rattlesnake Ridge Zinfandel
- 2012 Sonoma Harvest Fair Gold Medal
- 2012 SF Chronicle Wine Competition Gold Medal
- 2011 SF Chronicle Wine Competition Gold Medal
- James Meléndez reviewed ZAP 2011. He rated our 2007 Dawn Hill Ranch Zinfandel at 9.1 (among some prestigious wines) on February 3, 2011.
- James Meléndez, on February 3, 2011, reviewed over 130 wines at ZAP 2011. He rated 2008 Rattlesnake Ridge Zinfandel at 9.3 (his highest rated wine at ZAP 2011).
- ZAP's (Zinfandel Advocates & Producers) 19th Annual Tasting of Zin was held on January 30, 2010 at Fort Mason in San Francisco. It is the largest tasting of any single variety on earth. We poured a barrel sample of our 2008 Rattlesnake Ridge Zinfandel. We were fortunate to be included in several reviews, and we are gratified that this new vineyard generated so much enthusiasm among wine writers.
- Norcalwine.com reviewed 97 wines and included ours among his "Highly Recommended."
- Grapelive.com reviewed ZAP and featured our wine among his favorites.
- Vinography.com scored our wine among many exemplary producers "around 9"
- A Decadent Existence also ranked us among their favorites. Scroll down to the photo of our temporary home-printed label. (It's a barrel sample, so we didn't use a real label.)
- Wine Country Insider: "The 2008 Dawn Hill vineyard bottling from J. Baldwin, a small Sonoma producer, was a stunning example of dry-farmed zinfandel .... This $28 bottle tasted of fresh raspberries and was very smooth and easy to drink. It's predecessor, the 2007, won gold medal honors at the San Francisco Chronicle Wine Competition in 2011."
- We had a dinner party last night with some people from the museum. We served your 2004 DHR Zinfandel and some other wines. DHR won the empty bottle test--it was the first one to be finished. Thanks very much. --MM
- 2003 Dawn Hill Ranch Zinfandel. After opening the first bottle, I am most glad I took two. (So is Janet) What I most appreciated is the balance of flavors without being over-the-top as so many zin and/or cabernet based wines can be in California. A real treat. --JM
- It is 5:30 pm and I am drinking a 2002 DHR Zinfandel and it is simply fantastic. Fruity without being overwhelming; a light and so drinkable wine (if I were a critic I would call it "approachable"). --MS
- We opened the 2001 DHR Zinfandel last night. Great color, lovely nose and good grip with an intriguing spiciness. Lesley's short review: "delicious." --RVB


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Alex Band , frontman for the group The Calling , says he was abducted in Lapeer County, Michigan and assaulted, according to My Fox Detroit .
Band told police that he was walking down the street between 3 and 4 a.m. on Sunday, when a blue minivan pulled up next to him. Band says two men then abducted him, assaulted him and robbed him before dumping him in a different location. Band and the rest of The Calling were in Lapeer to perform at a festival.
TMZ reported that Band was discovered by their manager, who called 911 and said that he'd found Band "on the side of the road" and said he was "bleeding all over the place."
My Fox Detroit reports that the singer was taken to a local medical facility, where he was treated and released. Police say they're investigating the incident.
The Calling is best known for their 2001 hit "Where You Will Go;" in recent years, Band has struggled with drug abuse and divorce. The group recently reunited and according to a spokesperson are in the process of signing a "major record deal."
Copyright 2013 ABC News Radio


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Royal Caribbean Cruises said Thursday that a fire on one of its ships, weak pricing in the Caribbean and itinerary disruptions in Asia all affected earnings in the second quarter, but the world's second-largest cruise company still reported profits of nearly $25 million.
The May fire aboard Royal Caribbean International's Grandeur of the Seas came as the industry was still recovering from harsh scrutiny following the disabling fire aboard the Carnival Triumph in February. No one was injured in either case, and Grandeur of the Seas did not lose power due to the blaze.
But the fire, which happened as the Baltimore-based ship was sailing near the cruise line's private island in the Bahamas, forced the cancellation of several sailings and cost the company an estimated 10 cents per share. Half of that impact was felt during the second quarter.
"Everybody knows that in the first half of 2013, the industry suffered under the unrelenting pressure of a deluge of negative publicity," said Richard Fain, chairman and chief executive officer of Royal Caribbean Cruises, in a call with analysts. "That pressure has clearly hurt our bookings, and unfortunately to a greater extent than we originally understood."
The cruise line also took a non-cash charge of 7 cents per share from underestimating reward liability from the company's credit card.
Still, the quarter that ended June 30 was better than the same time in 2012, when the Miami-based cruise operator posted a net loss of $3.7 million.
Executives said strong onboard spending by U.S. customers helped revenues reach $1.88 billion, a more than 3 percent increase from last year. And the cruise company, which has launched a "profitability improvement program," was able to keep costs in check. Net yields, or revenue per capacity day, increased 2.8 percent on a constant currency basis.
Still concerning the line is a territorial dispute that has forced Royal Caribbean to cancel calls to ports in Japan, which has resulted in 30 modified sailings. Competitive pressure in the Caribbean is also keeping prices low, but executives said pricing in the region is continuing to improve.
For the full year, Royal Caribbean is forecasting earnings per share of $2.20-$2.30, lower than before the Grandeur fire. The forecast for yield growth was also lowered. But the company said prices and bookings are higher for the rest of the year than at the same time in 2012.
"While we're frustrated by the hurdles we've had to overcome in recent years, we feel very good about our condition as we emerge from these clouds," Fain said.
Morningstar equity analyst Jaime Katz said in an investment note that the company's longer-term outlook "appears promising."
"In our opinion this indicates that the psychological effect of media coverage from earlier in the year is largely behind us," she wrote.


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SONY diverted any and all attention that was on it's recent NETWORK ATTACK over to it's glorious new 3D DISPLAY announced today at E3!! And while 24" is nothing to write home about, you best believe Spruce Wayne will be snatching up several of these puppies for The Wilcox Mansion labratory!! 3DEELICIOUS!!
~ Blouzemaster J


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I do realize that this is one of those topics that either holds great interest or almost no interest to any one woman. However, since DCIS is quite prevalent, I am assuming that at least some readers will be glad to see this additional article. The theme is the same: whether the name of the condition makes a difference in how it is perceived and in the treatment choices woman make. That is, since DCIS (and LCIS) are not " really cancer", is it fair to have the C word be part of their label? Does its inclusion just scare everyone unnecessarily?
This report from Medscape describes a recent study out of Duke University. Women were given a descriptive sentence of a diagnosis and then asked about treatment choice. When the word "cancer" was included, 53% opted for non-surgical intervention. When "cancer" was part of the sentence, 66% chose surgery. This is a big difference and supports the belief that what it is called does indeed impact our reactions and decisions. Stepping back, we can all agree that is nonsensicle, but there it is.
Here is the beginning and a link to read more:
DCIS Is Not Like a Rose
A rose is a rose is a rose is a law of identity that apparently does not apply to ductal carcinoma in situ (DCIS).
The oft-quoted poetic phrase from American writer Gertrude Stein suggests that a thing is itself no matter what it is called or how it is described.
However, new research indicates that when DCIS is described as a high-risk condition, women make different treatment choices to some extent than when it is described as "noninvasive breast cancer."
When the word "cancer" was not used, 65% of the study participants choose nonsurgical management of the condition.
In short, the study suggests that DCIS is not like a rose because different descriptive terms seem to change the
meaning of the condition for some women.
"These results suggest that many women may prefer nonsurgical options if allowed to weigh each choice and its
attendant risks," write E. Shelley Hwang, MD, from Duke University in Durham, North Carolina, and colleagues in a letter published online today in JAMA Internal Medicine.
The researchers presented 394 healthy women with 3 clinical scenarios that described a diagnosis of DCIS using 1 of 3 terms: abnormal cells, breast lesion, or noninvasive breast cancer.
Each woman reviewed all 3 scenarios and the accompanying set of treatment options (surgery, medication, or active surveillance) and outcomes (chance of developing invasive breast cancer or dying). The information was identical — except for the terms used to describe DCIS.
When DCIS was described as noninvasive breast cancer, 53% (208 of 394) of participants preferred a nonsurgical option. However, when the DCIS was described as a breast lesion, 66% (258 of 394) preferred a nonsurgical option, and when it was described as abnormal cells, 69% (270 of 394) preferred no surgery.
"We conclude that the terminology used to describe DCIS has a significant and important impact on patients' perceptions of treatment alternatives," the researchers write. "Healthcare providers who use 'cancer' to describe DCIS must be particularly assiduous in ensuring that patients understand the important distinctions between DCIS and invasive cancer."


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Ivan Schneider was 36 when he bought "the prettiest" Jaguar XKE convertible. Now 82, he's finally getting his hot wheels back.» Read More
Tesla shares are down since the market's recent high, and one investment pro thinks it's a great time to buy. Here's why.
Stephen Hung, a luxury hotel entrepreneur, ordered 30 Rolls-Royces—the largest single order ever of Rolls-Royces, according to the company.
Companies testing self-driving cars must now get permits from California's DMV.
Pack your grill and gear for pregame tailgating in these roomy vehicles.
General Motors' Opel said on Tuesday it would reorganize its Russian operations, responding to "difficult" conditions amid Ukraine woes.
There are 19 eligible claims for a person who died in a defective GM vehicle—and that number is likely to go higher.
Morgan Stanley analysts wrote that Tesla may have difficulty keeping up with Chinese demand, among other concerns.
The rudest drivers in the US have been judged, according to a report by Insure.com. Plan your commute accordingly.
GM said that it has so far determined that 31 of these claims, including 19 involving death, are eligible for compensation.
U.S. manufacturing output fell for the first time in seven months in August as motor vehicle production declined.
To get the best loan deal, you need to do your homework. Here's a list of five things you should do.
A Times investigation finds that NHTSA has frequently been slow to identify issues, tentative to act and reluctant to use its legal powers.
Ford is recalling about 74,000 Ford Escape and Mercury Mariner crossover vehicles because the electronic hybrid system may overheat.
Gov. Brian Sandoval signed into law an unprecedented package of incentives to seal a deal to bring Tesla's $5 billion factory to the Silver State.
Toyota is recalling 130,000 2014 Tundra pickup trucks to correct a problem with side air bags, the automaker's U.S. sales arm said Thursday.
Few brands in the world are as prestigious as Ferrari. And few people are more associated with the Ferrari brand than Luca Cordero di Montezemolo.
An InsuranceQuotes.com report reveals the most and least expensive cities for car insurance in America.
China's anti-monopoly regulators fine Volkswagen and Chrysler total of $46 million.
While he's feeling the pressure, Jimmie Johnson told CNBC the Chase for the Sprint Cup's new format actually takes some of the stress away.
The Bay Area isn't like the rest of the country. Elsewhere, spotting a Tesla is as odd as finding a public charging station.
Get the best of CNBC in your inbox


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- Abigail Bartoszewicz '17
- Hometown: Wesford, PA
- Major: Integrated Media
I am learning so much in the field I am studying, and I am already getting help from my professors to find doors that will open up to internships and job opportunities.
Student Testimonials
"Being Sports Director for WRMU 91.1 has given me the opportunity to broadcast sports early in my career and help build my resume for the future."
–Ryan Smith '14
"There are so many opportunities being an Integrated Media major at Mount Union. I've gotten to go to conferences in New York and cover the Stagg Bowl. These experiences really helped shape me as a person and helped me develop my skills. I've also been blessed to become very close with many of my professors because they genuinely want the best for their students and will go out of their way to help us in any way possible. These men and women aren't just my professors, but my guides and mentors."
–Reita Silvis '14


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NEW YORK (AP) — A New York City man convicted of lying about his plans to join al-Qaida claims he gave the FBI valuable information about another would-be terrorist.
Abdel Hameed Shehadeh (shuh-HAH'-deh) made the claim in a letter to a Brooklyn judge who's scheduled to sentence him later Friday.
Shehadeh wrote that his tips played a part in the investigation of Adis Medunjanin (ah-DEES' may-DOON'-yah-neen). Medunjanin and two other men were convicted in a failed plot in 2009 to bomb New York City subways.
Prosecutors conceded in court papers that Shehadeh knew Medunjanin. But they insisted his information didn't advance the investigation.
Shehadeh faces up to 21 years in prison.


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Aishwarya Rai Bachchan will star opposite Irrfan Khan in Sanjay Gupta's 'Jazbaa'. The movie will mark the comeback film of the actress. Aishwarya is away from acting for four years, after the birth of Aaradhya she has become a hands-on mom and totally dedicated to her family. Now that Aaradhya ha
Sta Da Wesal Shpa Pa Jwan ke Owenama Guli Din Mohammad Ghamkhwar Sitara Younas.wmv
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irfan khan
Soojit Sircar's 'Piku' will see a unique pairing of Deepika Padukone and Irrfan Khan. The film will roll in August 2014 and the casts of the film will attend a workshop of the film. It is a beautiful story of a father-daughter relationship and Irrfan Khan will play a pivotal role. Starrin
After winning the heart of the cine-goers in 'Queen' and playing a completely contrast character in 'Revolver Rani' which is loud, aggressive and crazy, Kangana Ranaut now turns divine lover. Yes, you read it right; Kangana Ranaut will star opposite versatile Irrfan Khan in Sai Kabir's next outin