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Home > News > Lumera Reports Second Quarter 2005 Results
August 9th, 2005
Lumera Reports Second Quarter 2005 Results
Lumera Corporation, (NASDAQ:LMRA), an emerging leader in the field of nanotechnology, today reported financial results for the second quarter of 2005 and released information regarding its current product development progress.
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Glenn Phillips during a match (Picture courtesy – stuff.co.nz)New Zealand teenager Glenn Phillips has written a new chapter in English cricket history. The wicketkeeper-batsman from Auckland became the latest entry in the elite list of players who have hit six sixes in an over.Playing for the historic Marylebone Cricket Club (MCC), the young right-handed batsman hit 36 runs off an over against the Duke of Norfolk XI at Arundel last weekend.
Brendon McCullum retired from international Cricket in February The former New Zealand captain, Brendon McCullum retired from international Cricket in February, earlier this year, after their Test series against Australia at home. In his spectacular 14-year long career for New Zealand – between 2002 and 2016 – he played 101 Tests, 260 One-Day Internationals and 71 Twenty20 Internationals.McCullum was appointed the
There has always been a debate whether a coach can really create an impact on the on-field performance of a cricket team. The answer to this popular argument has already been addressed by some of the most successful coaches in the past who played a crucial role in some memorable victories of the teams that they have coached.In essence, the role of a coach is to assess the skill sets, strengths and weaknesses of the individual players and help the
Both, Rahane and Kohli have been instrumental for their team in the IPL this seasonIf someone told a cricket fan a decade back that the role of a sheet-anchor will be crucial to the success of the batting unit in a T20 team, chances are he would be laughed off. This, the shortest format of the game, was after all supposed to be all about slam-bang cricket.How could you possibly reconcile yourself to associating legends like Rahul Dravid and Jacqu
In April, West Indies became the first team to win the World T20 twice. However, it is a well-known fact that the Windies have a relatively poor record in the longer formats of the game. With the latest ICC Rankings being released on May 4, we take a look at the top ten teams of the cricketing world across all formats.With the latest ICC Rankings being released on May 4, we take a look at the top ten teams of the cricketing world across all
Chris Harris made his Test debut Sri Lanka at Moratuwa in 1992Former New Zealand all-rounder, Chris Harris got his debut Test cap back a decade after it was stolen from his house. His cap, along with two cricket balls, were put up for auction on Trade Me on 5 May.The former Blackcaps cricketer was alerted to the trade, which led to the return of his debut Test cap. He made his Test debut Sri Lanka at Moratuwa in 1992 and was handed the
A good showing in the World T20 has propelled the Kiwis into top spotICC Cricket World Cup 2015 finalists Australia and New Zealand have retained the top two positions on the MRF Tyres ICC ODI Team Rankings following the annual update. Results from 2012-13 have been dropped, while results from 2014-15 have been reduced to a weighting of 50 per cent. Australia, which won its fifth World Cup title in Melbourne last year, is now sitting on 124
Ganguly could propose Eden Gardens as India's inaugural day-night Test venueAt a time when day-night Tests are rapidly gaining traction, Cricket Association of Bengal (CAB) President Sourav Ganguly has advocated the idea to utilize Eden Gardens as a potential venue for hosting pink-ball matches.In an experiment to test the feasibility of the ground conditions, Indian Express reported the organization opting to schedule the final of the Inte
Twenty20 is no longer all fun and games, and now as the game has evolved, it has occupied the imagination of the cricketing world all around. Some might even argue this format is best suited to spread the game all around the globe.The players who play the game have now realised that they have to be right on the money at all times or else they will be exposed and their skills need to be sharp throughout the game.Having said that, there are some cu
Australia have now 118 points, whereas India have 112Australia has opened up a six-point gap over India at the top of the MRF Tyres ICC Test Team Rankings following the annual update with the results from 2012-13 no longer included in the calculations and outcomes from the 2014-15 series weighted at 50 percent.India now leads third-placed Pakistan by just one point. Pakistan has benefitted from the annual update as defeat against South
Steve Smith may be injured but he is the No.1 ranked Test batsman. AB de Villiers is the top ODI batsman and Virat Kohli tops the charts as far as T20Is are concerned. But who is the best batsman across all formats?Although the ICC have an individual ranking for each of the formats, they don't have a combined ranking to determine the best batsmen in the world across all formats. If they did, what would that look like?Well, here&rs
Action during the Bangladesh – New Zealand game during the 2015 World Cup.Bangladesh are set to play a tri-nation One-Day series against hosts Ireland and New Zealand prior to the Champions Trophy next year.The teams will play two matches each in the series. The dates and venues are yet to be confirmed, but the series is likely to be held in May 2017, reports bdnews24.com."Our discussion with Ireland is almost in the final stages. The
Cricket - England v New Zealand - World Twenty20 cricket tournament semi-final - New Delhi, India - 30/03/2016. New Zealand's captain Kane Williamson runs between the wickets. REUTERS/Adnan AbidiWELLINGTON (Reuters) - New Zealand Cricket (NZC) confirmed on Thursday that top-order batsman Kane Williamson will take over the captaincy in all three formats of the game following the retirement of Brendon McCullum.The 25-year-old had been expected
New Zealand played the first-ever day-night test match against Australia in AdelaideNew Zealand Cricket (NZC) on Tuesday announced the possibility of their playing a day-night Test match with the pink ball during their tour of India later this year. Indian cricket board officials raised New Zealand eyebrows late last week with their announcement that they ''will" play one of New Zealand's tests during their visit under light
England captain Alastair Cook during an argument with the umpires In the game of cricket, umpires have the highest authority to judge all the on-field aspects of the game. According to the laws of cricket, umpires can make their decisions and the players have to accept it without any question.However, umpires are also human beings and they also make errors but that is to be expected. While in most cases a controversial umpiring decision


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Do I believe in gay marriage?
by Sheldon Beatty
posted May 7 2013 8:13PM
One of my students asked me today if I believed/supported gay marriage. My answer was simple. If you want to be in a relationship with a person of the same sex, then that's YOUR decision. I don't know if support is the correct description of how I feel but I respect your right to do what you want with the disclamer that you don't hurt other people. I do, however, believe that kids should be allowed to be in a healthy heterosexual household so they can hopefully flourish in their own relationships and grow their families efficiently.
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Multiple media sources are reporting that gunfire has been heard outside the U.S. Capitol building in Washington and that the House of Representatives has been placed on lockdown as a result.
Welcome to your discussion forum: Click the login link below to sign in with or to set up a Disqus account or to access your social networking account. When you do, your comment should be posted immediately, provided it meets the guidelines. (What are the guidelines?.) Report abuse by flagging a comment (mouse over the comment). Comments made here are the sole responsibility of the person posting them; these comments do not reflect the opinion of The Brattleboro Reformer. So keep it civil.
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Will Rob Lowe replace Michael Strahan as Kelly Ripa's next TV partner?
Report says Rob Lowe is in talks to replace Michael Strahan on 'Live! With Kelly.'


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RENO, Nev. (AP) - The managers of the Hard Rock Hotel & Casino in Las Vegas have announced plans to open one at Lake Tahoe this winter after a $60 million renovation of the former Horizon Casino Resort at Stateline.
CUPERTINO (AP) - One of the most trusted advisers to late Apple CEO Steve Jobs is retiring from the iPhone maker's board of directors.
LOS ANGELES (AP) - Microsoft announced the biggest layoffs in its 39-year history Thursday, outlining plans to cut 18,000 jobs in a move that marked the CEO's sharpest pivot yet away from his predecessor's drive for the company to make its own devices.
WASHINGTON (AP) - The Federal Aviation Administration indicated Wednesday that it is investigating whether a video of a congressman's wedding last month violated the agency's ban on drone flights for commercial purposes.
NEW YORK (AP) - What the Veterans Administration failed to do for double amputee Michael Sulsona in two years, some New York hardware store workers delivered in an hour: They fixed his broken wheelchair.
COLUMBIA, S.C. (AP) - A 26-year-old man has been charged with involuntary manslaughter more than a year after he hugged a 14-month-old child so tightly that the boy stopped breathing and died, Orangeburg County Sheriff Leroy Ravenell said Wednesday.
WASHINGTON (AP) - Democratic opposition increased Wednesday to legal changes that would speed removals of young Central American migrants, jeopardizing President Barack Obama's call for $3.7 billion in emergency border spending to deal with the remarkable surge of unaccompanied youths at the South Texas border.
SACRAMENTO (AP) - Silicon Valley venture capitalist Tim Draper began submitting signatures Tuesday for a ballot initiative that would ask voters to split California into six separate states, a move he said would create governments that are more manageable and responsive to residents' needs.
MIFFLINBURG, Pa. (AP) - An Ohio teacher who was badly injured when some teenagers deliberately dropped a rock from a central Pennsylvania highway overpass onto her family's car was hospitalized in critical condition on Tuesday, police and her family said.
SEATTLE (AP) - Environmental groups asked the U.S. Department of Transportation to immediately ban shipments of volatile crude oil in older railroad tank cars, citing oil train wrecks and explosions and the agency's own findings that accidents pose an imminent hazard.
WASHINGTON (AP) - House Republicans announced Tuesday they will recommend dispatching the National Guard to South Texas and speeding Central American youths back home as their response to the immigration crisis that's engulfing the border and testing Washington's ability to respond.
DENVER (AP) - Adam Campbell heard a huge cracking sound, saw a flash of light and said he was knocked to the ground as he ran across one of Colorado's tallest peaks during a 100-mile endurance race.
BURLINGTON, Vt. (AP) - A Vermont man who told police he urged his girlfriend to jump off a cliff in a drug-induced haze because of an imagined bear attack was being held on $100,000 bail on charges including attempted murder and arson.
ELMWOOD PARK, N.J. (AP) - Four teenagers are facing charges in what authorities say was the sexual assault of a highly intoxicated 15-year-old girl that was videotaped on a cellphone.
CUPERTINO (AP) - Apple is teaming up with former nemesis IBM in an attempt to sell more iPhones and iPads to corporate customers and government agencies.
NEW ORLEANS (AP) - Thunderstorms rumbled across parts of the South on Thursday, bringing the threat of possible tornadoes, a day after at least seven people ...
JACKSON, Miss. (AP) - A federal judge Thursday overturned Mississippi's ban on allowing same-sex couples to adopt children.
SIOUX FALLS, S.D. (AP) - South Dakota on Thursday charged the former official who ran an investment-for-visa program with five felony counts including that he ...
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RALEIGH, N.C. (AP) - North Carolina's governor met Thursday with gay-rights advocates bearing a letter signed by more than 100 corporate executives urging him ...
MEXICO CITY (AP) - Moody's credit rating agency has changed the outlook for Mexico's debt rating to negative from stable, citing low oil prices ...
NEW YORK (AP) - Low-income Americans are expected to be able to apply for help from the federal government in paying for Internet access in December.
COLUMBUS, Ohio (AP) - Regulators in Ohio approved two closely watched energy deals on Thursday allowing two utility companies to impose short-term rate increases on electricity ...
MADISON, Wis. (AP) - Next Tuesday's Wisconsin presidential primary is emerging as a crucial lifeline for Republicans desperate to stop Donald Trump's march to ...
NEW YORK (AP) - Low-income Americans are expected to be able to apply for help from the federal government in paying for Internet access in December.
JANESVILLE, Wis. (AP) - Investigators said Thursday that they're recommending a disorderly conduct charge be filed against a 15-year-old girl who was pepper-sprayed after she ...
MEXICO CITY (AP) - Moody's credit rating agency has changed the outlook for Mexico's debt rating to negative from stable, citing low oil prices ...
SACRAMENTO, (AP) - California lawmakers on Thursday approved the nation's highest statewide minimum wage of $15 an hour to take effect by 2022 after it ...
NEW YORK (AP) - Low-income Americans are expected to be able to apply for help from the federal government in paying for Internet access in December.
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Calvin Johnson is recovering from a finger operation, as well as his previously-reported right knee scope.
Kirk Cousins thinks first-round WR Josh Doctson can be "a great weapon in the red zone."
TitansOnline's Jim Wyatt said "the plan" is for DeMarco Murray to handle "the bulk of the carries."
ESPN's Sheil Kapadia does not believe Marshawn Lynch will return to the Seahawks even if he decides to unretire.
The New York Post reports the Jets have a standing three-year offer for free agent Ryan Fitzpatrick.
Seahawks coach Pete Carroll says the "hope" remains that Thomas Rawls (ankle) is ready for Week 1.
Cowboys executive VP Stephen Jones says the team isn't interested in trading Darren McFadden or Alfred Morris.
Kelvin Benjamin (ACL) participated in OTAs on Thursday.
Lions first-round pick Taylor Decker opened OTAs as the first-team left tackle.
Ameer Abdullah underwent surgery to repair a torn labrum in his shoulder in January.
Free agent RB Arian Foster (Achilles') said he is about a month away from full health.
Drew Brees said he and the Saints have not discussed a long-term contract extension in about two months.


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State Department Releases Revised Version of 2003 "Patterns of Global Terrorism"Roundup: Talking About History
SEC. POWELL: Well, good afternoon, ladies and gentlemen. Sorry I'm a few minutes late....
I'm here today to brief you on the corrections that we have made to our"Patterns of Global Terrorism" report for 2003.
Let me start out with an observation about the report. The report is mostly a narrative document which goes through patterns and trends of terrorist activities in countries throughout the world and what progress those countries have made and what the pattern looks like within that country.
On balance, it is a good report. The narrative is sound, and we're not changing any of the narrative.
Shortly after the report was issued in late April, it came to our attention, principally through the efforts of Congressman Henry Waxman and his staff, that they saw data errors in some of the tables that were in the report and some of the trends that were divined from those data tables. When I asked my staff about it and we began looking into it, we discovered that Congressman Waxman and his staff was correct; there were errors.
For the past two weeks now, we have had a major effort under way within the State Department and within the Terrorist Threat Information Center, the center which accumulates this data, a new organization created last year, an independent organization that reports directly to the director of Central Intelligence. And in earlier years it was accumulated in a different manner within the CIA.
But the Terrorist Threat Information Center, the TTIC, and my staff have been hard at work for the past two weeks to get to the bottom of the data error, determine what corrections were appropriate, and to make those corrections so we could show those corrections to the American people.
The State Department and the TTIC and, of course, all of us in the administration and the president, take seriously our responsibility to provide the Congress and the American people with the best information and analysis available, and therefore, I welcome this opportunity to correct the record.
The results of our review, which will be spelled out to you in greater detail in a moment or two, shows that from 2002 to 2003, using the rules that have been in place to analyze incidents and categorize them one way or another, the number of incidents, as categorized by our system, went up from 198 in 2002 to a corrected number in 2003, that will be explained to you momentarily, of 208, a slight rise in the overall number of incidents, both what are called significant events or significant incidents, and non-significant incidents that arrive at this total.
But the numbers don't tell the full story, the number of incidents. You also have to look at the number of individuals who were killed or injured as a result of these terrorist attacks. And as we look at those numbers we find that the number of killed going from 2002 to 2003 has dropped on an annual basis, but the number of injured has gone up quite a bit, and you'll see that in a moment. Why? In some cases, a particular instance gives rise to more casualties than another instance, and so you can't expect a direct correlation between number of incidents and number of casualties. But we also found computational and accounting errors as we went through the data over the last several weeks, and that also will be explained to you in a moment.
Our effort is to put out the most accurate information we can. And as we go forward from this position, I think as a result of the last two weeks' work, we have identified how we have to do this in the future in order to make sure that we don't run into this kind of problem again....
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Equipment donated by Dometic Group is playing a vital part in the trans-Antarctic expedition of legendary explorer Sir Ranulph Fiennes.
Described as the last great polar challenge, the adventure will be attempted in almost permanent darkness and in temperatures of around -70°C.
The ship, the SA Agulhas, carrying the expedition members and all the equipment, has left its dock by Tower Bridge to sail down the Thames and on to the ice edge on the Lazarev Sea coast, Queen Maud Land in Eastern Antarctica. On board is Dometic's popular CR50, a 50-litre compressor refrigerator.
The fridge will be used to defrost and store food and will be placed in the living area for the team in a specially designed caboose.
Meanwhile, the CF50 CoolFreeze will play a part in the scientific aspect of the expedition and can be used to store samples for analysis and subsequent research on aspects such as the effects of such extreme temperatures on the human body.
The CF50 compressor cooler and freezer, with CF special electronics for 12/24 volts DC and 100-240 volts AC, has a temperature range of +10°C to -18°C and a capacity of 49 litres.
Mike Smith, Dometic UK Ltd Managing Director, said: "Dometic are very proud to sponsor this multifaceted and worthwhile cause. Having met the team and discussed the challenges ahead, we wish them the best of luck. The two donated Dometic WAECO products, a CR50 Fridge and CF50 Freezer, have important roles to play during this expedition and will be valuable equipment."
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Robbie Williams snaps up Michael Winner's London mansion for £17.5million... even though the late film director always insisted it was worth £60million
- Michael Winner's former home is a 46-room mansion in west London
- Williams and his family have been looking for a new place for a year
- The late film director estimated his mansion was worth £60m
- But when he died it emerged he had taken several mortgages on house
- The property, with its own cinema, also has just 31 years on its lease
- Woodland House, Holland Park, was sold by order of his executors
If the late Michael Winner knew about this, he'd be telling pop singer Robbie Williams to 'calm down, dear'.
The 39-year-old star has splashed out £17.5million on Winner's former home, a 46-room mansion in west London's upmarket Holland Park.
It was sold despite Winner, the larger-than-life film director, having believed Woodland House was worth at least three times that price.
Father-of-one Williams, who has been living Los Angeles with his wife Ayda, is said to have been searching for a home for his family for more than a year.
Robbie Williams and his wife Ayda are buying Michael Winner's former home in Holland Park for £17.5million
The opulent home of the late Michael Winner and his wife Geraldine went on sale for less than a third of what he tried to sell it for in 2011
Wrong number: Michael Winner had previously put the house on the market for £60million, but nine months after his death it went on sale for £17.5million
Extravagance: The house was initially three flats, but Michael Winner converted it into a mansion
He wants his newborn daughter Theodora Rose to have a British passport and education, The Sunday Times reported today.
The couple already own an £8million seven-bedroom mansion in Wiltshire, but are believed to want their child, affectionately named 'Teddy', to grow up in London.
But Williams may want to be careful about playing his particular brand of pop music out loud in his new pad - his immediate neighbour is music legend Jimmy Page of Led Zeppelin.
Following his death at the house in January, it emerged that on top of substantial debts, Winner had taken out several mortgages against Woodland House to secure flats for his former girlfriends.
Winner shared the home with wife
Geraldine - and several girlfriends before her - and tried to sell it in 2011 for £60million.
His father bought the leasehold property - which only has 31 years left on the agreement - in 1946 for just £2,000 and Winner, who spent millions reinstating the building to its former grandeur, was brought up there.
These pictures reveal the palatial size and extravagant luxury with which the residence was decorated - a real reflection of the larger-than-life personality of Winner.
Like its master: The extravagant luxury of the mansion is a real reflection of the larger-than-life personality of Winner, who passed away in January this year
No-holds-barred: Michael Winner took over the flats from his father in 1978 and spent millions on the conversion, building a swimming pool, cinema and extensive gardens
Staying British: According to his wife Geraldine it was the wish of Winner, who died in January this year, that the flat be sold to a British family who would not cut it up into flats
Little palace: Winner would hold extravagant parties at Woodland House, a large part of which he had decorated himself
The house sits on the bend of a leafy crescent in Kensington and was built in the Queen Anne style by Richard Norman Shaw for a Victorian artist called Sir Luke Fildes.
The house was originally three flats, which were bought by Winner's property magnate father, George, and it remains leasehold. The freeholder is Charlotte Townsend, one of Britain's richest women.
Winner took possession of the house in 1978 when it was still flats and spent millions creating an opulent home, complete with swimming pool, cinema and extensive gardens, which he loved.
Despite making the Victorian marvel a regular feature in celebrity and architectural magazines down the years, Winner was looking to sell the house in his later years.
Attempting a sale in 2011, Winner set the price at £60million, despite protests from the estate agent.
It was originally his wish that it be taken over by the local council and become a museum, but the council declined, saying they could not afford to run it.
Although it is possible the sale will follow the recent west London trend of being snapped up by foreign buyers, this is not the desire of the late Winner's wife.
'I don't want developers coming and ripping everything apart and selling to some foreigners,' Geraldine Winner told the Sunday Times.
She expressed a wish that Woodland House be sold to a British family to be kept in its current state as one house.
'I think that's what Michael would have wanted as well,' she added.
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A frequent topic I'm asked or receive emails about from individuals looking for advice on investing focuses on what simple strategies one can follow in order to become a better investor.
Investing shouldn't be a complicated process despite the lack of initiative found in the financial industry to properly inform the public and educate clients of the simplicity in creating individual wealth over time. Each investor begins their journey anxious to start a path to wealth immediately, but with seemingly unlimited amounts of information in so many locations it's easy to become overwhelmed, confused and frustrated on where to begin.
My view of investor education is identical to my approach of patient education as a registered nurse. When I speak with a patient about their health I provide the best tools necessary for educating and empowering them to make positive changes in their life. When I discuss blood pressure with a patient I don't start by providing only a medical definition, assume that they know how to interpret the numbers or expect them to understand all the impacts to their health right away. I take the time to explain what everything means in simple terms, how changes to your lifestyle can positively impact your body, the repercussions of not doing so and where they can receive additional information or resources. The information may be a simple review to a patient who knows a lot about blood pressure already or something completely new that provides insight into a topic that they may have been unaware of before.
My belief is that when someone is properly informed (medically or financially) they are able to make better decisions that affect the lives of themselves and those around them. Just as with educating patients, investors can benefit from simple information that helps them to develop clear objectives and avoid excessive complications. Investing isn't difficult, but investing with some common sense can go a long way to improving returns over the long-term.
Here are fifteen fundamentals for an investor to remember and reviewed on a regular basis:
1. Focus on What You Do Best
In an earlier series I shared with readers one of my Value Rules that focuses on companies that do one thing as best as they can. As a new investor you will slowly find a comfort zone that you lean towards in a style of investing that builds confidence into your investing activities over time. There's always room for improvement where you lack confidence or ability, but concentrating on a core focus has many benefits that allow an investor to set clear objectives and attain measurable results. Find a comfort zone and go with it. Instead of trying to do many things at once that you don't do well or understand, attempt to concentrate on one or two that you can perform to the best of your ability and expand from there.
2. Know Your Limitations
Not only should an investor focus on what they do best, but they should also be aware of their individual limitations. It's important to recognize what your limitations are so that you can minimize mistakes that lead to losses or diminished returns. If you don't have the time, knowledge or desire to invest on your own then likely you should seek a certified financial professional. You can always work on areas you feel need improvement over time, but investing should always focus on your main core competencies to achieve the best results possible.
3. Consider the Benefit of Cashflow
There are three main methods of growing your investments: capital gains, income (interest or dividends) and savings. Investors often focus solely on investing what they save and the gains from those investments, but a passive method of increasing the value of your portfolio in all market environments is to consider the benefit of cashflow. The portion might be small or appear insignificant at first, but over time both dividends and income (when considering taxation) can lead to meaningful increases in your annual returns that pay dividends over the long-term.
4. Incorporate a Balance of Active & Passive
The couch potato portfolio draws on effective simplicity and the fact that the majority of professional managers (mutual funds) fail to outperform their respective index on a short or long-term basis. While you may enjoy picking individual equities or mutual funds for various reasons, investing a portion of your portfolio in passive investments (ETF's & index funds) will help you to benefit from the long-term performance of the markets in a very cost effective manner.
5. Look to Minimize Cost
Cost is a major factor that many investors fail to recognize in the first few years of investing. Cost is important because it creates drag on an investors' ability to generate returns through a number of methods. These can include paying for advice, professional management or transactional costs of purchasing your investments. If you invest in a mutual fund that charges a 2.5% MER (management expense ratio) for 10 years over that time frame the potential return that you would have lost would be an astounding 25%. Where did this go? Right into the pockets of the professional managers who you paid to invest money on your behalf. If a fund out performed its index and peers by 50% over that time frame then 25% may be worthwhile, but the majority of the time managers fail to outperform. Whenever possible an investor should consider the impact of expenses (MER), commissions (DSC fees & trading costs) and taxation.
6. Keep it Simple
This follows the "Keep it Simple" analogy. Too often an individual will complicate the investing process by trying to get fancy with a strategy or group of investments to the detriment of their returns. There are a number of times when the simplest strategy is the easiest to implement and rewards an investor with the best returns. An individual investor can't match the financial resources that professional experts have access to, but often that abundance of information simply muddies the water so that a clear decision is difficult to make. When you keep your investing objectives, process and activities simple the returns often will take care of themselves.
7. Let Money & Debt Work for You
Here is an opportunity for an investor to maximize efficiencies by looking at how money and debt work for them. There's always the hard way, the easy way and then the smart way when investing. Each individual's situation will differ, but what you want to do is look for methods to increase the efficiency of how you put your hard earned money to work to minimize debt, taxation and to increase your ability to save. Debt shouldn't be an insurmountable obstacle in your financial plan and knowing how to maximize tax benefits, pay yourself first and pay off debt in a manageable and timely manner can go a long way to improving your long-term financial situation.
8. Learn to Think Outside of the Box
Creative thinking is the hallmark of my approach and benefits the investor who has the ability to look outside the box by asking questions, looking to different options and investigating innovative methods. Developing an ability to see the big picture comes over time, but making a habit to look for alternative/contrarian views or opinions will help to expand your perspective on a number of topics and create your own individual confidence.
9. Understand Risk
Risk has the potential to decimate returns and the credit crisis of 2007-2008 is a great recent example. Investing is a balance between risk and reward and an individual investor needs to identify their risk tolerance before ever investing. Many investors find that early it's easy to state that they're willing to lose a certain amount of their capital only to later determine that their risk tolerance was much, much lower. Very few investments are risk-free, so an investor should examine all internal and external factors of an investment before placing money into the markets.
10. Know What You Are Investing In
If risk is an important element of investing that an individual should identify and understand, then knowing what you're investing in becomes an absolute necessity. Whether you're investing in mutual funds, ETF's, individual equities or another investment you should always have a good grasp of what you're investing in and understand it to the best of your ability. Even GIC's, bonds and money market funds should be investigated by yourself or through a financial advisor in order for an investor to develop a comfort level and knowledge of where their money is going. If you don't understand the security, industry or type of business then you have no business investing there no matter the implied return.
11. Diversify
Every investor has probably heard the line "don't put all your eggs in one basket", yet many forget the importance of diversifying appropriately across different assets, countries, currencies or sectors in attempt to best minimize risk. An investor doesn't want to over diversify their investments, but the focus here is to gain adequate exposure to a number of areas so that your returns will be balanced no matter what occurs in the markets. Sticking to only one or two sectors, exclusively investing in one asset group or placing all your money into one investment can lead to substantial risks that have the potential to impact your returns negatively.
12. Develop a Discipline
Discipline is a difficult task for any investor to embrace, but structure allows an individual to focus on objectives, develop and then implement a specific plan. Discipline allows an investor to avoid the temptation to invest into areas outside their comfort zone or expertise and should protect you from risk to some degree. Have the convictions to stick to your plan and you'll be rewarded over time if the fundamentals of that decisions remain sound.
13. Patience & Time
One of the biggest difficulties for any investor in the beginning is to develop patience in all aspects of their investing activities. Whether investigating a stock, determining a buy/sell price or sticking to a strategy; we all want to see results sooner than later and can become antsy when things take longer than we anticipate. Remember back to the Rule of 72: compound interest is your best friend as an investor and over the long-term your returns will take care of themselves. Focusing on the short-term and attempting to micromanage your portfolios will likely add more harm to your returns than benefit. Patience isn't something everyone comes by naturally, but it's important to understand the impact that adjusting your strategy continuously can have on your potential for sustained long-term returns.
14. Focus on Quality Rather than Quantity
Whether you plan to invest in 10 stocks or 100 stocks focusing on quality has many benefits. While an ETF or index fund may give you exposure to an entire sector, market or index an investor should realize that within those investments are good and bad stocks in some unknown proportion. While indexing is a great long-term strategy that is cost-effective and simple, focusing on the best quality investments is likely your best choice for risk-adjusted returns.
15. Self Evaluate
Whether you choose to do this annually, semi-annually or quarterly, evaluating your individual performance can have many benefits for adjusting your future habits, activities and preventing mistakes when investing. Each investor should take the time to identify their individual strengths, weaknesses, opportunities and threats in an attempt to better understand how their investing activities have progressed and where they can improve in the future. Far too often investors ask the questions of why an investment or strategy has continued to under-perform only to continue making the same mistakes that negatively impact their returns. An investor doesn't necessarily need to overhaul their approach each and every time, but gaining a better sense of where you can make improvements is a habit that many investors should consider as an important element of their activities.
This article was written by Nurseb911. If you enjoyed this article, please vote for it by clicking the Buzz Up! button below.
Monday, September 15, 2008
15 Simple Solutions
A frequent topic I'm asked or receive emails about from individuals looking for advice on investing focuses on what simple strategies one can follow in order to become a better investor.
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Ke$ha's Mom Says Daughter 'Almost Died' Due to Weight Criticism
Earlier this month, Ke$ha made headlines after checking herself into rehab to treat her eating disorder. Now, mother Pebe Sebert has opened up about her daughter's struggle with anorexia and bulimia, saying that the pop star "almost died" because of weight bullying.
"I've watched my beautiful, self-confident, brilliant daughter be berated and ridiculed for her looks and weight to the point that she almost died," Sebert says of the "Timber" singer in a new interview with People.
"The doctors told me her blood pressure and sodium levels were so low, they'd never seen it that low except with someone who'd had a heart attack or stroke. They said it was a miracle she hadn't already dropped dead on stage," she adds.
Sebert reveals that Ke$ha's producer Dr. Luke and former manager David Sonenberg are partially responsible for the star's eating disorder, continuing, "One time on a conference call, Sonenberg was screaming, 'You need to lose weight! I don't care what you do ... take drugs, not eat, stick your finger down your throat!' Ke$ha was just weeping. She drove around afterward thinking about killing herself."
As for Dr. Luke, Sebert says that "he has just always been very disrespectful about [Ke$ha's] weight." She explains, "He'd say it in certain ways, like 'Why don't you try running?' She was doing everything and not getting thin fast enough, and that's when she first became bulimic."
However, both Dr. Luke and Sonenberg have denied the allegation that they played role in Ke$ha's stuggle. "It is unfortunate that at a time Ke$ha is suffering immensely and trying to heal at a treatment center, her mother is taking this approach with the media," Dr. Luke says in a statement. "I give Ke$ha my utmost support and well wishes for a quick return to health."
Ke$ha is currently being treated at the female-only facility Timberline Knolls, outside of Chicago. Sebert, who eventually joined her daughter at the same rehab facility to deal with stress from the family's crisis, says Ke$ha is now focusing on being healthy again.
"At this point, she doesn't care if she ever makes a record again. She just wants to be healthy and happy," Sebert says.
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- //Home
- //Music
- //The Rockwells
Two pairs of Tennessee-based brothers crank out the jangly power pop, a la the Gin Blossoms, in this fifth full-length. The disc starts strong with bass-driven "Tess", a churning, pummeling stomper, whose heat is only eased by fluid, almost-falsetto vocals. Mournful "The Quarterback" captures the ebb and flow of small town life, a sweet melancholia wafting around stories of a hobbled football player, a stylish, but isolated young girl. "Knot of Tension" ratchets up the energy mid-album, its clamped and palm muted guitar riff a solid architecture under florid, super-pop melodies. "Microkorg", named after the keyboard that carries the song's weight, adds an electro-chill to the Rockwell's warm, traditional guitar-pop sound. There are eccentric touches—the brass choir in "Ten Years Old Horns", a long instrumental reverie in "Middle Eight Waltz"—but none of the radiant beauty, the essential individuality of great southern pop songs from Big Star and the dBs. This is straightforward stuff, however enthusiastically played and sung.
- "The Quarterback" MP3
- "Microkorg" MP3
Shabazz Palaces "Dawn in Luxor" (Singles Going Steady) // Music
Randy Rogers and Wade Bowen "West Texas Rain" (audio) (premiere) // Music
Kaytranada "Lite Spots" (Singles Going Steady) // Music
Rachael Sage "I Don't Believe It" (video) (premiere) // Music
The Last Gunfighter: Songwriter Guy Clark Passes Away at 74
// Sound Affects
"The man whose songs were recorded by Johnny Cash, Alan Jackson, Ricky Skaggs, David Allan Coe, The Highwaymen, and countless others succumbs to time's cruel cue that the only token of permanence we have to offer are the effects of shared moments and memories.READ the article


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Neville set to leave ValenciaPhil Neville moved to the Mestalla last summer Phil Neville is set to leave his role as Valencia coach and has admitted he is keen to make the transition into management. The former Manchester United defender moved to the Spanish club last ... Sky Sports, 6 hours ago
Neville future decided shortly - Sky Sports, 2 days ago
Another Neville set to leave Valencia - Times of India, 4 hours ago
22 images for before valencia
Valencia goalkeeper reveals why Neville failed as manager
Gary Neville had an impossible job from the start as Valencia boss because of cultural and language problems. England coach Neville comes up against one of his former Valencia players, Australia keeper Mathew Ryan, this week. Ryan has revealed ...MSN UK, 12 hours ago Valencia goalkeeper explains why Gary Neville failed as manager of La Liga club Irish Mirror, 1 day ago
Ayestaran appointed new Valencia boss on permanent basis
Valencia have appointed Pako Ayestaran as their coach on a permanent basis. The 53-year-old, brought to the club by Gary Neville, was placed in caretaker charge at the Mestalla in March following the sacking of the former Manchester United ...FOXNews.com, 1 day ago Valencia name former assistant Pako Ayestaran as manager Irish Times, 1 day ago Ayestaran given Valencia job Sky Sports, 1 day ago
Real Madrid should continue with Zidane, feels Beckham
Valencia: David Beckham believes Real Madrid should give former teammate at the club, Zinedine Zidane, time to succeed even if the French great fails to inspire them to victory in the Champions League final later this month. Zidane fell just ...Calcutta Telegraph, 4 days ago Beckham backs Real manager Zidane, calls for patience at club Japan Times, 5 days ago Beckham Asks Real Madrid to be Patient with Zidane IBNLive, 5 days ago Beckham asks Real to be patient with friend Zidane Yahoo! Singapore, 5 days ago
Valencia says it is on right path despite upheaval
It has been a season to forget for Spanish football club Valencia as they finished 12th in the Spanish Primera Liga, after a topsy-turvy campaign marred by fan unrest and two managerial changes. With the season ending last week, coach Pako ...Asiaone, 2 days ago Valencia's Asian boss admits cultural differences Breitbart.com, 5 days ago Valencia tie up with Geylang Int., plan 2017 game in Singapore ESPN Soccernet, 1 week ago
UPDATE 1-Motorcycling-Lorenzo seizes Italian GP win with last-gasp move
Spanish new World Champion Yamaha MotoGP rider Jorge Lorenzo celebrates after winning the Valencia Motorcycle Grand Prix at the Ricardo Tormo racetrack in Cheste, near Valencia, November 8, 2015. Reuters/Heino Kalis MotoGP world champion ...Reuters UK, 3 days ago Moto GP results: Jorge Lorenzo edges Marc Marquez in thrilling finish to clinch Italian GP International Business Times India, 2 days ago
Danny Valencia's three homers lead Oakland Athletic's past Tampa Bay Rays
ST. PETERSBURG, Fla. -- Given the week that Steve Geltz and Danny Valencia have had, it was a predictable outcome. Valencia, who already had four home runs this weekend and two Sunday, got a third home run with two outs in the ninth, giving the ...UPI, 1 week ago Danny Valencia hits them far and often ESPN.co.uk, 1 week ago MLB roundup: Valencias three homers rally As Singapore Star.com, 1 week ago Valencia homer in ninth gives Oakland a series win in Tampa Bay after rough road Examiner.com, 1 week ago
Agent confirms Barcelona pre-agreement with La Liga rivals over €35m forward
Barcelona have reached an agreement in principle to sell Alen Halilovic to Valencia ahead of next season, the agent of the Croatian international has confirmed. Zoran Stojadinovic added that the La Spanish giants would secure a buy-back option as ...International Business Times UK, 1 week ago Barcelona's Alen Halilovic near season loan to Valencia, agent says ESPN Soccernet, 1 week ago Barcelona stumble again Deccan Herald, 1 month ago
Football: Australia can win World Cup, says Mat Ryan
(AFP) - Valencia goalkeeper Mat Ryan said Friday that reigning Asian Cup champions Australia can go beyond being the best in the region to one day win the World Cup. "It's not only to be the best in Asia, we want to one day be up there mixing it ...Times of India, 5 days ago Australia can win World Cup, says Mat Ryan Business Recorder, 2 days ago Sports: Australia can win World Cup East African Standard, 5 days ago
Spain's dominance in Europe shows highly-competitive league, says Neymar
By Adriana Garcia VALENCIA, Spain (Reuters) - Barcelona players should not be too disheartened about missing out on the Champions League final as Spain's domination of European club football shows the highly-competitive level of the Spanish game, ...Yahoo! UK and Ireland, 6 days ago Soccer-Spains dominance in Europe shows highly-competitive league, says Neymar Reuters UK, 6 days ago Spains dominance in Europe shows highly-competitive league, says Neymar Reuters UK, 6 days ago
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Source: All Patriots rookies present and accounted for at Gillette Thursday morning
|07.19.12 at 12:51 pm ET
While the veterans still have a few more days of summer vacation, the Patriots rookies reported Thursday morning to the Gillette Stadium facility, and a source indicated that every one of New England's rookie class was in attendance. (This morning, the Patriots tweeted out the photo to the right of some of the rookies at the training table.)
The rookies have traditionally reported a few days early as the team hopes to get them acclimated as fast as possible before the before the veterans arrive and full-squad camp begins next week.
Latest from Bleacher Report
- Malcolm Butler Contract: Latest News, Rumors
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- Deep Battle Brewing for Roster Spots at WR for Patriots
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10 Etiquette Tips for Sharing a Cruise Ship Cabin 2016 Events You Can Cruise To 5 Reasons to Go on an 'Autism on the Seas' Cruise 5 Reasons to Go On The Walking Dead Cruise 5 Things to Know About a Fan Cruise Based on Sailing With the Scotts 8 Reasons to Take a Christmas Markets Cruise Are Themed Cruises Worth It? Art & Artists Theme Cruises Books & Authors Theme Cruises Can You Watch the Super Bowl on Your Cruise? Come Aboard My Lesbian Olivia Cruise Come Aboard My Nickelodeon Cruise Onboard Freedom of the Seas Come Aboard My Theme Cruise: Cruising to Run on Caribbean Princess Come Aboard My Walking Cruise in the Canary Islands Cruise Voluntourism: Ways to Give Back at Sea Cruises with Celebrities: Spot Your Favorite Stars at Sea Dancing Theme Cruises Faith-Based Theme Cruises Family Theme Cruises Food, Wine & Beer Theme Cruises Gay and Lesbian Charter Cruises 2016 - 2017 History & World Affairs Theme Cruises Hobbies & Crafts Theme Cruises Holy Ship: An Epic EDM Party at Sea Lifestyle Theme Cruises Music Theme Cruises Other Theme Cruises Pet Friendly Cruises Planning a Group Cruise Postcards From a Winter Holiday Cruise Science & Nature Theme Cruises Slideshow: Cruising with Football and Futbol Stars on an ESPN Theme Cruise Slideshow: Eating Our Way Through Top Chef: The Cruise Slideshow: Postcards from an Olivia All-Women Cruise Sports Fan Theme Cruises Theme Cruise Dos and Don'ts Theme Cruises 2016 Theme Cruises: What You Need to Know TV & Film Theme Cruises U.K. Theme Cruises Wellness & Fitness Theme Cruises
This was our 4th cruise from this port with this destination but the first on Royal Caribbean from this port, second on Royal Caribbean total. The embarkation was standard, but as we boarded we went to a bar to buy a couple of beers to send us off, ... Read more
I enjoy traveling to new places and accompanied a friend, who is a retired History teacher. The Lofn was my first experience on a Longship and quite different from cruising on big ocean liners, but very nice. The ports were wonderful. Our guides ... Read more
We took this cruise as a girls' trip with a group of 8. We booked through Groupon. We purchased the voucher for the cruise through Groupon, but then you have to call the cruise line to redeem the voucher and give them all your information to book ... Read more
The staff are great. The program director knew her job and did it well, she was very knowledgeable about the history of the area and many of the buildings and was entertaining. We looked forward to her talks every evening before dinner. She was ... Read more
I was just on the 12-day Grand Mediterranean from May 7-19 aboard the Norwegian Spirit. It was a DREAM VACATION. While the ship was relatively older and I did complain about having to pay almost double for my stateroom and port fees... the service, ... Read more
What can I say? This was an amazing cruise from the moment that I stepped onto the ship! Embarkation was a breeze and very easy compared to the other cruise lines. We arrived at 11:30 and were on the ship by 12:00. This was my first NCL ... Read more
We had a great time... the staff was all very friendly... and, the food was great! Our dinner staff headed by Danilo and his team was super. And our breakfast every day at Imagination was excellent and one of the best breakfast we ever had. Also, ... Read more
Read more Group and Theme Cruises Forums


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The news media are consumed with critical incidents in the workplace. Before these incidents are thoroughly investigated and reported on, media outlets jump in, aiding and abetting emotional aspects that incite and seemly encourage an outpouring of negative behaviors.
The Obama administration unveiled a new rule that will make millions of middle-income workers eligible for overtime pay, a move that delivers a long-sought victory for labor groups. The regulations, which were last updated more...
Gen Z is a highly optimistic generation who likes to eat out, but also likes to buy stuff, which is good news for retailers who are still trying to figure out the experiential focused Millennials. "But unlike millennials and Gen Y who...
Wal-Mart Stores Inc.'s efforts to improve its stores coupled with wage gains by its core lower-income shoppers helped power the retail giant through a quarter where many of its competitors struggled with soft demand.
This fall, IKEA will open a new 271,000 square foot store in Memphis, Tennessee, featuring a 250,675 square foot rooftop solar array that will produce approximately 2 million kWh of electricity annually for the location....
Increasingly stringent clean air standards and heightened concerns over greenhouse gas emissions are driving technology enhancements in manufacturing and throughout industry. The air pollution control landscape is changing for these manufacturers and those that adapt are...
Facility managers are increasingly adapting their building maintenance strategies in response to the Internet of Things, with 60 percent of professionals predicting that IoT will impact their building and maintenance policies within...
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Friday, November 14, 2003
By BOB WOOD
News intern
With the introduction of a new system of league play, the Hood River and Wy'east middle school volleyball programs were forced to go through somewhat of a shakedown period this season.
In years past, the girls have been split into two teams: one for the more skilled players and one for the players who need a little more direction. However, this was not the case in 2003.
Instead of having two teams with different skill levels, the girls were split into two teams that were intended to be equally matched.
"I liked the new system," said Panthers eighth grade coach Dave Radley. "It made the girls with better skills work harder, and it made the girls with less skills work even harder than that."
On the other hand, some coaches disagreed, saying that the new system has done more harm than good.
"It wasn't to anyone's advantage," said Panthers seventh grade coach Stacy Birdsall. "The girls with lower skill levels were intimidated and the girls with higher skill levels were dragged down. It felt more comfortable when we were divided into A and B teams."
The change in the way the girls were divided up helped facilitate a new form of competition for local middle school sports teams: Tournaments.
The schools competed in one tournament a week for five weeks against The Dalles and Chenowith. Each team played a certain number of games and was then seeded into a pool play bracket by their win-loss record.
"I didn't like the tournaments," said Birdsall. "There was too much downtime for the girls."
Whether or not the tournaments were welcomed with open arms, the general consensus seemed to be that all of the girls improved throughout the season.
"My main expectation at the beginning of the season was that at least 90 percent of the girls would feel comfortable serving the ball overhand," said Wy'east seventh grade coach Susan Smith. "I was also trying to get them to get three hits per side. And by the end of the season, almost all of them had a grasp of those two concepts."
Rob Johnston, eighth grade coach for Wy'east, saw a similar improvement on his team.
"I was trying to get them away from returning the ball to the other team with only one hit," he said. "By the end of the season, I didn't even have to say anything. The girls were telling each other what to do. They put it into practice and realized that is how the game is played."
All in all, coaches at both local middle schools felt good about their teams' seasons.
"It was very encouraging," said Smith. "There are a lot of girls I'd like to see go on (to play high school volleyball). It was a great season and I was lucky and grateful to have such a good team."
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Lawnmower torches Arbor Vitae on Portland Drive
The riding lawn mower driven by Norma Cannon overheated and made contact with dry arbor vitae owned by Lee and Norma Curtis, sending more than a dozen of the tightly-packed trees up in flames. The mower, visible at far right, was totaled. No one was injured; neighbors first kept the fire at bay with garden hoses and Westside and Hood River Fire Departments responded and doused the fire before it reached any structures. Westside Fire chief Jim Trammell, in blue shirt, directs firefighters. The video was taken by Capt. Dave Smith of Hood River Fire Department. Enlarge


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Reviewed By brian h (Rio Rancho, NM) Reviewed for a 2007 Buick LaCrosse —4/26/2009 2:39 PM
i expected more but did noticed a small inprovement
Reviewed By Jonathan L (NORTH ZULCH, TX) Reviewed for a 2016 Ford F-150 —5/23/2016 8:22 PM
Got this tuner after seeing the numbers diablo claims. Tried to install the tune but said update was needed even though I had already updated it. Contacted diablosport customer service and after 2 days I was able to install the tune. Installed the 93 diablo tune and let me tell you it is a night and day difference. Going to put it on the dyno soon to see what numbers I actually gained but it is definitely a noticeable difference.


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David Brown: 20/40
Apple Inc. ought to be paying David Brown for his 20/40 photography exhibit, since he shot all of the images in the exhibit with his iPhone. Thats not a big deal, right? Well, actually, when you get high-quality, expressive images like Brown did, ah, yeah, it kinda is a big deal (hence the they should pay him bit). Brown shot scenes around Houston, everyday images that he saw as he went through his normal day of family and work chores. The end results remind us that photography isnt just about point-and-shoot, even if youre shooting with your iPhone. 6:30 a.m. to 8 p.m. Mondays through Fridays, 8 a.m. to 6 p.m. Saturdays and Sundays. Catalina Coffee, 2201 Washington Avenue. For information, call 713-416-2633 or visit www.dabfoto.com. Free.
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Friday, July 11, 2014
Westport's Levitt Pavilion for the Performing Arts today announced that the July 20 grand opening Jose Feliciano concert and ribbon cutting ini its new $6.8 million home is sold out.
"We are delighted by the community's enthusiastic response," said Carleigh Welsh, marketing and communications director, of the offer of free tickets on a first-come-first-serve basis.
She reminded residents that no tickets will be available at the site and the lawn will open to ticket holders at 5 p.m. No advance entry will be permitted.
In addition, she said a wait list has been established to redistribute any tickets that may be returned.
Welsh also asked the public not to do not attempt to enter the facility without a ticket on or before July 20
Posted 07/11/14 at 02:45 AM
Does anyone know if he sings "Feliz Navidad" at all of his concerts, or only around Christmas time?
Interesting that the old band shell always had room for one more (with the open lawn area)
Now with the new enclosed space we have a limit on attendance (don't show up if you do not have a ticket.)
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