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Wall Street Breakfast, Seeking Alpha's flagship daily business news summary, is a one-page summary that gives you a rapid overview of the day's key financial news. It's designed for easy readability on the site or by email (including on mobile devices), and is published before 7:00 AM ET every market day.
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I am an independent trader. I have been trading my own money for over 20 years.
I am focused on finding growth stocks that are priced like value stocks or stocks that are misunderstood or under followed. Generally, I buy stocks where I feel like my chances of losing money are low, but still offer the possibility of large gains. This almost always leads me to small and microcap cap stocks.
I joined Seeking Alpha to share some of my ideas with others. I hope they are profitable.
Twitter: MichiganTrader@SWMichTrader
Please do your own due diligence and do not blindly buy stocks on Seeking Alpha articles alone (including mine).
A novice trader who is finding his way with a mix of small-cap and mid-cap stocks seeking growth through technical and fundamental analysis. I want my gains to be from short term trading, but also from long term growth.
Independent healthcare investor.
I have a Bachelors Degree In Business Administration. I have been investing in biotech stocks for many years, and I prefer to invest as a long term investor. With that In mind I seek stocks that have long term value! I primarily Like to Invest In biotechnology stocks and I accept the risks.
I Write for the Healthcare Sector and Stock market in general. I contribute to Seeking Alpha, Talk Markets, and CNA Finance. I run my own biotechnology website Biotechpicklist.com and in addition I post stock market news on my other website Wallstreetrain.com
Active investor and trader since my teens. I retired early from my career in healthcare administration and have been a full time investor for 5 years.
I write about 3D Printing Stocks on my site @ 3DPrintingStocks.com, as well as small and microcap stocks (no pinks or junk!) at MicrocapResearch.com
I have been an active investor for almost 20 years. My main focus is on high-yield stocks, particularly MLPs, and high-growth oil companies in the Eagle Ford shale. I have a portion of my portfolio allocated to short-term trading, with a focus on over-reactions to company news and directional plays on VIX-based ETFs. I am happy to answer just about any question sent my way, especially from those new to the stock market.
Amvona publishes critical articles on Faith, Investing, Economics and Technology.
The Finding Alpha category of Amvona profiles investments made, including case studies, economic discussion and explanations of the investment rationales.
more at: http://www.amvona.com/about-us
This profile, along with Mr. Gomes' investment methodology and article on "Tripling Your Money" (http://tinyurl.com/nx336wn) are required reading to understand how Mr. Gomes' researches and trades his picks. His updates are communicated via his Seeking Alpha Instablog/Articles/Comments and Twitter posts, along with his free Pipeline Data Newsletter and related videos. These are all critical for anyone wishing to follow his selections and trades. Also, please see the important disclosures below.................................................................................................................................................................................................................................................................................................................................With over 20 years of professional experience, Mark Gomes is among the world's most experienced technology stock analysts. During his first five years as a contributor to Seeking Alpha (2009-2014), approximately 50% of his "Official Poised To Triple" picks either doubled, tripled, or were acquired............................................................................................................................................................................................................................................................................................................................In 2004, Mr. Gomes founded Pipeline Data, LLC. For over 10 years, Pipeline Data has provided investment consulting to many of America's most well-respected mutual fund and hedge fund managers. His investment methodology revolves around identifying misconceptions in the marketplace, employing hundreds of recognized industry experts, and utilizing his proprietary Risk/Reward Charting philosophy. By utilizing these proprietary methods and an extensive network of IT industry contacts, Gomes has built an enviable reputation for discovering low risk / high reward situations...........................................................................................................................................................................................................................................................................................................................In 2008, Mr. Gomes semi-retired. He moved to Miami Beach shortly thereafter. In 2009, he began donating picks to Seeking Alpha and quickly built a reputation for picking doubles, triples, and M&A candidates. He was publicly credited as the first analyst to confirm Himax's role in Google Glass. He also correctly predicted that Apple computer would engage with Pixelworks, Inc. for its cutting-edge display technology.........................................................................................................................................................................................................................................................................................................................The fruition of these events resulted in a 200% gains for each stock.................................................................................................................................................................................................................................................................................................................................Pipeline Data, LLC continues to operate, providing affordable subscription options for Main Street investors who wish to access his institutional-grade research. Similar to the Seeking Alpha PRO program, Pipeline Data's stock selections and updates are shared with paying members first and foremost. Thereafter, Mr. Gomes may choose to share his selections with subscribers of his FREE newsletter (sign up at PipelineDataLLC.com), followed by the Seeking Alpha community. To optimize entry points, investors should consult with Mr. Gomes' subscription service and/or Methodology......................................................................................................................................................................................................................................................................................................................Gomes has previously held a number of key positions within leading IT research and consulting organizations. He began his career at International Data Corporation where he led its buy-side investment research practice. From 1998-2004, he served as the Director of Investment Research at AMR Research, a globally-recognized IT advisory firm which was later acquired Gartner Group. There, he drove the business unit's expansion into a multi-million dollar operation, guiding clients through the Internet bubble and subsequent bust. Gomes has serviced hundreds of Wall Street analysts and portfolio managers during his tenure..............................................................................................................................................................................................................................................................................................................................Gomes is also a U.S. Masters Track & Field national champion and world record holder................................................................................................................................................................................................................................................................................................................................He also represented Team USA at the 2011 Masters World Championships, placing 4th. "Faster Than Forty" details the diet, lifestyle, and training techniques that enabled Gomes to shed 50 pounds and return to Track & Field prominence after a 13-year hiatus. Further information can be found at www.fasterthanforty.com and www.facebook.com/fasterthanforty....................................................................................................................................................................................................................................................................................He currently donates time to coach children and the Miami Beach community.........................................................................................................................................................................................................................................................................................................................
Mr. Gomes' real-time investment postings can be found on Twitter (@PipelineDataLLC). Investors are also encouraged to read Mr. Gomes' investment Methodology (http://www.pipelinedatallc.com/methodology) to learn how the lessons of Warren Buffett, Benjamin Graham (Mr. Buffett's mentor), Peter Lynch and Mr. Gomes' personal mentors helped to hone his investment skills and shape his dramatic investment success.............................................................................................................................................................................................................................................................................................................................The information in Mr. Gomes' articles are for informational and illustrative purposes only and should not be regarded as investment advice or as a recommendation regarding any particular security or course of action. The opinions expressed in Pipeline Data, LLC publications are the opinions of Mr. Gomes as of the date of publication, and are subject to change without notice and may not be updated. All investments carry the risk of loss and the investment strategies discussed by Mr. Gomes entail a high level of risk. Any person considering an investment should perform their own research and consult with an investment professional. Additional important disclosures can be found in the Important Disclosures section at PipelineDataLLC.com.
Caiman Valores is a Colombian investment consultancy operated by Matt Smith who has over a decade of experience in investment management. He speaks Spanish, has travelled extensively through South America and lives in Colombia. His approach to investment analysis relies on gaining a fundamental understanding of the company and then applying a macro-economic overlay. Matt has over two decades of experience in investing and working within investment management and high net worth banking.
He earned a Master of Business Law from the University of Sydney, a Master of Arts in International Relations and a Bachelor Degree in Political Science and Economics from the University of New South Wales.
Please feel free to contact him if you have questions regarding investments, writing, or speaking opportunities via email at email@example.com.
Edward Schneider is a managing director of Quan Management LLC. Mr. Schneider has over 25 years of investment experience, including 18 years managing technology funds in both quoted equities and venture capital. Mr. Schneider holds a CFA designation, an MBA from Thunderbird and a BA from Emory University.
#11 Ranked Blogger for 2014 from over 4,100 bloggers - TipRanks
Quan Technology Fund - #1 Ranked Fund in Europe for 2014 with a net return of +71% - Preqin Fund Ranking
Tom Konrad, PhD., CFA is a financial analyst, freelance writer, and portfolio manager specializing in renewable energy and energy efficiency. He is currently looking for a money management firm to sponsor what he believes would be the first dividend income oriented green mutual fund, based on a strategy he has been managing since December 2013.
. He is Editor at AltEnergyStocks.com.
Tom lives in New York's lower Hudson River Valley. He volunteers for the environmental nonprofit community, runs, and is a woodworker. He's currently using those woodworking skills to renovate (and upgrade the energy performance) of the 1930 farmhouse he lives in with his wife.
He can be reached at tom at tom konrad dot com.
Oliver is principal at Huckleberry Investments, a London based investment manager. He invests using a long-term value strategy, aiming to produce low-risk returns far in excess of the market. Oliver achieves this outcome by running a very concentrated portfolio, relying on intensive research to uncover the best opportunities. At Huckleberry, volatility is often elevated, but fear of volatility should never get in the way of low-risk returns. Single name short positions are very rare and are only initiated if conviction is high.
Frank Grossmann (founder and partner of logical-invest.com)
I am Swiss and living in Zurich. I studied Microtechnics at the Federal Institute of Technology in Lausanne and Business Administration at the Federal Institute of Technology in Zurich. After the studies in 1989 I founded Labocontrol AG. This company was sold to the US company Digital Now Inc. where I continued to work as a chief scientist.
Since 13 years I have my own software company Colour-Science.com which develops algorithms for digital image processing. These algorithms do things like image enhancement, red eye removal or pattern (face) detection. My passion however was always to search for pattern in financial data and then develop and back test rule based investment strategies.
I mainly focus on two sectors: technology and auto industry. I am long only and I like to take a conservative approach where I sell covered calls on the shares I hold in order to reduce my risks. Some of the stocks I follow closest are Nokia, Microsoft, Ford and Apple. I believe that being able to see beyond numbers and actually understanding business models of companies we cover is crucial to provide useful insight on companies.
Chief Investment Officer, Stanford Wealth Management. Retired senior exec of Charles Schwab. 36 years active and reserve military service -- 6 in special operations, 30 in the intelligence community. Geopolitical analyst.
Author -- investment book Bringing Home the Gold.
Editor -- The Investor's Edge®. In the 16 years from inception through year-end 2015, the Investor's Edge® Growth & Value Portfolio increased in value from $250,000 to $1,038,453. That same $250,000 invested in the S&P 500 rose to just $422,905. (Past results are no guarantee of future performance; maybe those 16 years were pure luck.)
Featured in Forbes, Barrons, The Wall Street Journal, Financial World, Wall Street Transcript, Global Investing, Welling on Wall Street, etc.
If you have a $500,000 portfolio ($250,000 for solely mutual funds & ETFs) you may contact me for a no-obligation "second opinion." email@example.com.
Doug Short is first-wave boomer with a lifelong interest in markets and the economy. His professional career had been a satisfying split between academia (English Professor at North Carolina State University) and Information technology (IBM and GSK).
Doug retired in 2006 to devote himself full-time to his dshort.com financial website. The domain has now been acquired by Advisor Perspectives, and Doug has been appointed the Vice President of Research.
Doug is especially interested in the economy, long-term market trends and behavioral finance.
I am a retired global analyst, currently busy in investing and writing articles about stocks at several investing publications and websites. I have also developed strategies for creating winning portfolios according to specific formulas.
In January 2015, I was ranked among the world's top 10 financial bloggers according to TipRanks, which holds financial experts accountable for their recommendations by disclosing their stock ratings since 2009:
Former broker, now an independent analyst/writer on Seeking Alpha and founder and editor of the Growth Stock Forum. Focusing on small-cap, mid-cap and biotech stocks. Looking for substantial sales and earnings growth potential and seeking the best risk-adjusted returns from my stock selection. Taking advantage of medium to long-term momentum.
My articles represent my personal opinion and analysis and should not be regarded as investment advice in any way. Readers and subscribers should do their own due diligence and/or consult their financial advisor before making decisions to buy or sell securities. Trading and investing include risks, including loss of principal.
Exclusive research: http://seekingalpha.com/author/oneil-trader/research
Twitter: https://twitter.com/ONeilTrader
Stocktwits: http://stocktwits.com/ONeil_Trader
Matthew Claassen, CMT is founder and Partner of Claassen Research, LLC, providing exclusive private consulting, market strategy and investment research to institutional investment managers. His work combines proprietary technical indicators with macro-economic and sector analysis to provide unique and actionable market insights. Matthew has actively advised professionals and managed investment portfolios since 1986. His career includes experience as First Vice President and Portfolio Manager at major brokerage firms, publisher and President of The Technical View market newsletter and Senior Vice President of Lowry Research (the oldest technical market advisory in the United States) where he conceived, designed and implemented a sector analysis strategy based on his own success in investment management.
Mr. Claassen has been a popular guest lecturer at several Universities in Virginia and Washington D.C., and a respected public speaker on the subject of technical analysis. In addition, he has published articles in Barron's Online and in The Technical Analyst, a UK based investment research publication.
Mr. Claassen holds the professional analyst designation of Chartered Market Technician (CMT), is a past Director of the Market Technicians Association (MTA) and a past director of the Market Technicians Association Educational Foundation (MTAEF). He is currently a charter member of the American Association of Professional Technical Analysts (AAPTA).
It is very hard or impossible to time the broad market consistently — there are no famous investors that got rich by consistently knowing what the broad market would do next. This only makes sense, as there are just too many variables in the broad market. But there are many famous investors who got rich analyzing individual securities, and this is where you should put your focus. You can get an edge in individual securities. Joe Springer was the number 1 ranked stock analyst in the world by tipranks.com, and on most days is still ranked in the top 5%. Joe is a Certified Technical Trainer, and enjoys teaching about the stock market as well as managing portfolios. If you would like to follow Joe on Twitter, his handle is @JoeSpringer.
Our small-cap hedge fund strategy beat the market by 44 percentage points since its inception 18 months ago. Visit our website to learn how you can do the same. Insider Monkey is a finance website that provides free hedge fund and insider trading data. We believe ordinary investors can beat the market by imitating insiders and best hedge fund managers. They have access to better information and experts than ordinary investors do. Take advantage of the SEC filings where hedge funds and insiders disclose their stock transactions.
Here is our team:
Meena Krishnamsetty
Ms. Krishnamsetty is the Editor of Insider Monkey. Prior to creating Insider Monkey with Dr. Dogan, Ms. Krishnamsetty was Associate Producer at Bloomberg Television. Prior to that, Ms. Krishnamsetty was on the afternoon news team at CNBC. Additionally, Ms. Krishnamsetty reported for NPR and worked as a risk management consultant at Marsh & McLennan. Ms. Krishnamsetty has a M.S. in Journalism from Columbia University's Graduate School of Journalism.
Ian Dogan
Insider Monkey's hybrid evaluation system ...More was created in 2003 by Dr. Ian Dogan. Dr. Dogan has a Ph.D. in financial economics with a specialization in insider trading. Dr. Dogan has provided consulting services to institutional investors and hedge funds, and managed a $200+ million fund using a strategy he developed utilizing insider transactions. Dr. Dogan recently authored the insider trading chapter of soon to be published "The Handbook of Investment Anomalies" by Zacks Investment Research. Insider Monkey will serve the outcome of the methodologies developed by Dr. Dogan to ordinary investors who don't have access to academic quality research and tools to shape their investments.
For your inquiries please contact us at firstname.lastname@example.com
No information available
Nothing I write should be considered investment advice. Only you can decide if any specific financial asset, security, allocation, opinion, idea, etc. is best for your financial portfolio.
Author of two books, available here, Options Strategies Every Investor Should Know and The 5 Fundamentals of Building a Retirement Portfolio (both available in paperback and eBook).
Editor for The Biotech Forum (www.biotechforumsa.com), the #2 subscribed to Marketplace investment service offered through SeekingAlpha. Top 5% ranked analyst (TipRanks) 2013 through first half of 2015. Daily contributor for Real Money Pro. Hedge fund manager from 2008 to 2011. Previously technology executive at Fortune 100 firm for a decade. For Free weekly investment reports on small, attractive biotech stocks just register at www.bretjenseninvests.com
Michael Shulman is currently editor of investment advisory services and is the author of Made in America, Otterbourn Publishing, May, 2013 and of Sell Short (John Wiley & Sons, 2009).
Options Income Blueprint is a unique advisory service published by Traders Reserve and based on fundamental analysis with recommendations for option selling strategies and positions to generate consistent monthly income.
Made in America: Inside Stories of Success is built around four factories -- Trek Bicycles, Red Wing Shoes, the GM Flint Michigan pickup truck assembly plant and Airstream. The book pushes aside the myth of the decline in the US manufacturing - the US is still the world's largest manufacturing nation - through the success of these four factories and companies.
Mr. Shulman joined the Traders Reserve after ten years with InvestorPlace Media, his turn to financial advisory services coming after more than twenty years actively involved in the development of new technologies. He was founder and CEO of an internet company, AtYourBusiness.com, sat on the board of The NextGen I venture fund, worked as a consultant or founding employee of several technology startups, was a product manager for a Silicon Valley Start up when the country had 49 personal computer companies and did similar work in the mid-1980s for AT&T.
Mr. Shulman graduated Georgetown University with a degree in philosophy in 1977, worked in the renewable energy field for five years – same vocabulary, hope and promises as we are hearing today - before moving to the marketing of industrial and agricultural products with several New York firms. When asked if there is a thread in his career his answer is "Yes. Change, what is new. And what other people are missing, things they think are not normal - things I see as becoming a standard or success."
Brad Thomas is a research analyst and he currently writes weekly for Forbes and Seeking Alpha where he maintains research on many publicly-listed REITs. In addition, Thomas is the Senior Analyst at iREIT Forbes and Editor of the Forbes Real Estate Investor, a monthly subscription-based newsletter.
Thomas has also been featured in Forbes Magazine, Kiplinger's, US News & World Report, Money, NPR, Institutional Investor, GlobeStreet, and Fox Business. He was the #1 contributing analyst on Seeking Alpha in 2014 (as ranked by TipRanks) and he is currently writing a book on the legendary investor Donald Trump.
Thomas has co-authored a book (The Intelligent REIT Investor) that is available on Amazon.
Thomas received a Bachelor of Science degree in Business/Economics from Presbyterian College where he played basketball. He resides in South Carolina with his wife and kids.
I was trained in finance, but work in strategy. I invest very infrequently, and balance my portfolio once a year. I buy and hold hold indices and volatility ETFs. I trade a little bit on the side, but that's pure gambling, for fun.
My goal on Seeking Alpha is to share my decade of individual investor experience with the community and hopefully learn something new from the community hear. I'd really like to learn about options and technical analysis.
I primarily take a Buffet approach to stocks. I look for companies with strong balance sheets, good management, and a wide moat to park my money in. I've also been known to dabble in some Graham cigar butt style stocks that are extremely undervalued by the market.
Look forward to hearing hearing your comments on my articles.
Please feel to message me with any questions.
Bob is retired from a career in law enforcement including more than 20 years as an instructor of Investigative Interviewing. He is a Dividend Growth investor using dividend yield from low beta stocks for income and preservation of capital. Bob has self managed his portfolio since early in 2011. He hopes to encourage discussion among those already in retirement and receiving income from their portfolios.
My curent portfolio is available here:
I believe that everyone needs a portfolio business plan.
Here's a copy of ours:: http://seekingalpha.com/article/2426965-our-retirement-portfolio-business-plan-legacy-edition-part-two
A list of Dividend Growth Safety Superstars for the past decade is available here: http://seekingalpha.com/article/2255863-a-review-of-the-dividend-safety-superstars
Fredrik Arnold is my pen name. In 2012 I retired from doing quality service analysis for John Hancock Long Term Care Insurance in Boston then moved to North Carolina in 2013. My fascination with capital preservation, fixed fractional trading, and trading systems keeps me blogging for Seeking Alpha. Most of my articles focus on dividend yields and analyst mean 1 yr targets as stock trading indicators. These are essential tools for catching the most valuable dividend dogs.


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Date: 1963-11-26
Description: Original UPI Wirephoto transmission. Caption reads: "Even the statue of Abraham Lincoln on the University of Wisconsin campus seemed more somber 11/25 than...
Date: 1969-03
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Most listings are in the $30's per square foot per year. The Capitol Hill region is seeing a a boost in rates. In the last 3 months, the median rate increased $6 per sqft per year. That's a 20% rise in rent.
Compared to the rest of the Seattle Metropolitan Area market, the Capitol Hill submarket has higher rates, and you'll need to pay a premium to be in this hot submarket.
In the last 90 days, 7 listings have come on the market, which means spaces most likley are going fast. You'll want to be prepared to make an offer immediately. About 29% of the office spaces in the Capitol Hill are subleases, so you might be able to sign a shorter term by taking over a previous lease. There aren't many listings below 2,000 square feet available, so finding a space for a small business might be tough.
The standard measurement for office space in this area is around 2,070 sqft. Most properties in this market are around 3 floors. Most buildings in this area were built in 1922 and are Class B.
Not much of the real estate is used for commercial space, so it might be hard to find office space. Public administration is the dominant industry in this market. Commute by taxi is the most popular way to get to work amongst Capitol Hill folk. Commuting between 30 and 45 minutes a day is the norm for those who opt to reside in this part of town.
Trends and status of the commercial real estate market in Capitol Hill.
Market Report
Real time and historical data on commercial real estate listings in Capitol Hill.


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New Jersey Superior Court, Law Division
Decided: December 7, 1990.
JOSEPH MURPHY, MARY ELLEN AGUNZO, AND DAVID KOTKES, PLAINTIFFS,v.ALLSTATE INSURANCE COMPANY, KENNETH D. MERIN, COMMISSIONER NEW JERSEY DEPARTMENT OF INSURANCE AND NEW JERSEY AUTOMOBILE FULL INSURANCE UNDERWRITING ASSOCIATION, DEFENDANTS
Rosalie B. Cooper, J.s.c.
[246 NJSuper Page 43] Before this court, in this case of first impression, are cross-motions for summary judgment for a declaration concerning the constitutionality, as of 1989, of N.J.S.A. 39:6A-8 of the New
[246 NJSuper Page 44]
Jersey Automobile Reparation Reform Act commonly known, and hereafter referred to, as the "no fault" insurance law. N.J.S.A. 39:6A-1 et seq.
The underlying cause of action arose from a 1989 automobile accident in which plaintiffs, passengers in a car, sustained injuries for which they are seeking monetary payment or reimbursement.
Previously that aspect of the suit concerning the culpability of Allstate Insurance Co., the servicing carrier for the New Jersey Automobile Full Insurance Underwriting Association, known as the JUA, was dismissed by stipulation.
The Attorney General has joined in JUA's motion, essentially relying on the arguments advanced and relied upon by that defendant.
Since the issue of the constitutional validity of N.J.S.A. 39:6A-8 cannot be considered in a vacuum, this court looks for guidance to other sections of the "no fault" statute.
Section three of the act, in pertinent part, requires owners of automobiles registered in or principally garaged in New Jersey to maintain auto insurance.
Section four of the act establishes personal injury protection, commonly known as "PIP" coverage to include medical payment for an insured and members of the family who are economically dependent and residing in the insured's household who suffer injuries resulting from "ownership, operation, maintenance or use" of an automobile. In addition, PIP encompasses passengers in the insured's cars who have no insurance of their own.
PIP benefits also include income continuation benefits, essential service benefits, death benefits and funeral expenses.
Section eight of the act, as of 1989, known as the "threshold provision" states:
One of the following two tort options shall be elected, in accordance with section 14.1 of P.L.1983, c. 362 (C.39:6A-8.1), by any named insured required to
[246 NJSuper Page 45]
maintain personal injury protection coverage pursuant to section 4 of P.L.1972, c. 70 (C.39:6A-4):
a. Every owner, registrant, operator or occupant of an automobile to which section 4 of P.L.1972, c. 70 (C.39:6A-4), personal injury protection coverage, regardless of fault, applies, and every person or organization legally responsible for his acts or omissions, is hereby exempted from tort liability for noneconomic loss to a person who is subject to this subsection and who is either a person who is required to maintain the coverage mandated by this act, or is a person who has a right to receive benefits under section 4 of P.L.1972, c. 70 (C.39:6A-4), as a result of bodily injury, arising out of the ownership, operation, maintenance or use of such automobile in this State, unless that person has sustained a personal injury which results in death; dismemberment; significant disfigurement; a fracture; loss of a fetus; permanent loss of use of a body organ, member, function or system; permanent consequential limitation of use of a body organ or member; significant limitation of use of a body function or system; or a medically determined injury or impairment of a non-permanent nature which prevents the injured person from performing substantially all of the material acts which constitute that person's usual and customary daily activities for not less than 90 days during the 180 days immediately following the occurrence of the injury or impairment; or
b. As an alternative to the basic tort option specified in subsection a. of this section, every owner, registrant, operator, or occupant of an automobile to which section 4 of P.L.1972, c. 70 (C.39:6A-4) applies, and every person or organization legally responsible for his acts or omissions, shall be liable for noneconomic loss to a person who is subject to this subsection and who is either a person who is required to maintain the coverage mandated by P.L.1972, (C.39:6A-1 et seq.) or is a person who has a right to receive benefits under section 4 of that act (C.39:6A-4), as a result of bodily injury, arising out of the ownership, operation, maintenance or use of such automobile in this State.
The tort option provisions of subsection a. of this section shall also apply to the right to recover for noneconomic loss of any person eligible for benefits pursuant to section 4 of P.L.1972, c. 70 (C.39:6A-4) but who is not required to maintain personal injury protection coverage and is not an immediate family member, as defined in section 14.1 of P.L.1983, c. 362 (C.39:6A-8.1), under an automobile insurance policy.
The tort option provisions of subsection a. of this section shall also apply to any person subject to section 14 of P.L.1985, c. 520 (C.39:6A-4.5).
The tort option provisions of subsections a. and b. of this section as provided in this 1988 amendatory and supplementary act shall apply to automobile insurance policies issued or renewed on or after January 1, 1989 and as otherwise provided by law. [ N.J.S.A. 39:6A-8; emphasis supplied]
Thus, it is clear that N.J.S.A. 39:6A-8, which is applicable to the case at bar, deals with the classification of individuals to whom no auto insurance is available, being neither auto owners nor residents in a household in which a car owner does have
[246 NJSuper Page 46]
insurance, who are, by legislation, relegated to the "verbal threshold" position.
The conclusions reached by this court are largely dependent upon the legal reasoning and fundamentals set forth in the cases of Barone v. Department of Human Services, 107 N.J. 355, 526 A.2d 1055 (1987), Frazier v. Liberty Mutual Insurance Co., 150 N.J. Super. 123, 374 A.2d 1259 (Law Div.1977), Rybeck v. Rybeck, 141 N.J. Super. 481, 358 A.2d 828 (Law Div.1976), app. dism., 150 N.J. Super. 151, 375 A.2d 269 (App.Div.1977), and the cases cited therein.
It should be noted that the basic factual situation in Barone is distinguishable from that under consideration since Barone deals with legislation excluding the parties; whereas the case at bar deals with legislation including plaintiffs, as was the factual scenario in Frazier and Rybeck. Nevertheless, the reasoning of the Supreme Court in Barone clarifies and elucidates the basic issues and the law which will be applied by this court.
Plaintiffs claim discrimination on account of their disabilities, poverty and unemployment, which this court finds is subsumed in the constitutional issue to be addressed by this court, that is, whether the preclusion of plaintiffs' formulating a choice under the "threshold" legislation denies them equal protection of the law according to the dictates of either the New Jersey Constitution or the United States Constitution.
In each case considered in coming to the decision in this matter, the legislative history of the statute involved weighed heavily. The history applicable to "threshold" legislation is hereafter considered.
Further, to clarify the position of this court, it should be noted that, in 1990, the New Jersey Legislature amended N.J.S.A. 39:6A-8. The amended section provides that any person who is not insured or is not an immediate family member, as defined in section 14.1 of L. 1983, c. 362, N.J.S.A. 39:6A-8.1, will be categorized under the tort option provision of subsection (b).
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Subsection (b) permits one to recover for the noneconomic loss which is a result of bodily injury, arising out of the ownership, operation, maintenance or use of such automobile in this State. Prior to the 1990 amendment, this group was subject to subsection (a) which declares the "verbal threshold" as the basic liability coverage. This is the context in which this case is decided, it being understood, for the purpose of this argument, that the underlying accident gives rise to a claim for consequent bodily injuries.
The amendment acts as a refutation of defendant's position that the Legislature had no choice but to relegate plaintiffs or those similarly situated to the "verbal threshold" position.
In researching the legislative history of this statute, it is obvious that "no fault" insurance is a complex and controversial topic with many ramifications, not least among them, "threshold" vs. "no-threshold" issues. In 1988, in the Governor's reconsideration and recommendation statement to Senate Bill 2637 (1988), it was recommended that the "verbal threshold" be deemed the basic liability coverage in every automobile insurance policy in New Jersey. At the same time, an insured would be permitted to choose a monetary threshold, at a higher cost. Governor Kean stated that the purpose "of the zero-dollar option is to remove the incentive to inflate medical bills -- thereby placing an unnecessary burden on PIP coverage -- in order to reach some specified monetary threshold." The Governor also posited that the majority of people would maintain the base "verbal threshold" since the medical bills would be promptly paid and "they (the insured) [lose] next to nothing in relinquishing the ability to sue for non-serious injuries." Id. at 3.
It is most important to note that those individuals who did not own cars and who were not immediate family members covered under an automobile insurance policy were not given the choice offered to insureds. These people were arbitrarily
[246 NJSuper Page 48]
placed into subsection (a) which provides the basic "verbal threshold" coverage.
The Automobile Insurance Reform Report of 1990 is helpful in understanding the reasoning for the "no-fault" insurance within New Jersey. In its examination of the "verbal threshold" in New Jersey, it was concluded that there is a definite need for a tort "threshold." Id. at 104. Such a "threshold" is thought to encourage settlements, discourage lawsuits and to decrease the cost of insurance.
However, it is significant to recognize that the only people who benefit from lower insurance costs are those individuals who own motor vehicles and purchase insurance. A person who neither maintains an automobile nor resides with a person who does is not a recipient of the choice of higher or lower premiums. Thus, these individuals not only experience the disadvantages of not owning a car, but in addition they are not afforded the right to receive the advantages flowing from the higher or lower tort "threshold."
It was noted that in the first six months during which the "verbal threshold" was offered, 83% of motorists elected the basic "threshold." Id. at 5. However, it is imperative to understand that these motorists were permitted to choose the type of protection they desired. Those citizens without insurance were denied the opportunity to choose the level of protection and were automatically assigned the "verbal threshold" option. Bearing this in mind, it is interesting that the report concludes that the "motorists have shown, this is truly the choice of New Jersey Citizens." Id. at 5.
Again, we must recognize that in 1990, when the statute was amended, New Jersey citizens who did not own automobiles or fall within the parameters of insureds were placed in the "no-threshold" category. The reason for the sudden change is not explicitly addressed in the legislative history nor in the legislation itself. The amendment clearly does not further the stated goals of the optional threshold selection. Premiums
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would either remain unaffected or increase since the change involves those who do not pay automobile insurance and the number of lawsuits may now increase in the "no threshold" category.
Common sense dictates that the Legislature must have realized that, to deny people the opportunity to choose coverage and to automatically place them in the "verbal threshold" category, was to deny them the privilege of being more fully compensated for injuries and noneconomic losses or to benefit from lower insurance premiums since such persons were not privy to the insurance contracts. Without this volition, they were subjected to all the disadvantages of the "verbal threshold." Obviously, the legislators discerned that by such categorization, people in plaintiffs' situation were denied equal protection under the federal and state constitutions. The amended statute corrects that violation of due process.
Out-of-State decisions have been bolstered in significant part by legislative history. See, e.g., the Michigan case of Crowley v. Detroit Automobile Inter-Insurance Exchange, 428 Mich. 270, 407 N.W. 2d 372 (1987), in which plaintiff's position precluded him from a double recovery of medical expenses. That case was decided under the rational basis test which will be discussed, infra.
Defendants contend that the New Jersey Legislature was entitled to decide, in general, that it was desirable: (a) to determine the circumstances underlying basic compensation for all accident victims for economic losses, without regard to fault, (b) to fund such compensation through the automobile insurance system, and (c) to offset the cost of providing such compensation by curtailing the rights of those suffering less serious injuries to recover in tort for noneconomic losses, thereby eliminating both compensation for such losses and substantial legal fees and other loss adjustment expenses which would be necessary to process and resolve claims for such compensation. Defendants argue that this basic structure is fundamental
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to a common type of "no-fault" automobile accident compensation system and has been uniformly upheld against an equal protection challenge in the absence of other flaws in the particular system.
Defendant argues that in light of the financial pressures which have plagued the New Jersey "no-fault" system from its inception, it seems clearly rational for the Legislature to decide that those desiring supplemental tort compensation for less serious accidents should pay for it themselves and should not be permitted to impose that cost on other motorists or on the public at large. Defendant further contends that it appears entirely rational to decide that the automobile insurance system was the most efficient way for those desiring "no-threshold" coverage to make that election and contribute the funds necessary to support such compensation.
Despite these general arguments, however, defendants acknowledge that some people, such as plaintiffs, do not participate in the automobile insurance system because they neither own cars nor live with those who do. Unless they were to be given the supplemental tort compensation without contributing to its funding or a special mechanism were to be established to permit them to make the "no-threshold" election and pay the premium, it is claimed there was little alternative but to subject them automatically to the lawsuit "verbal threshold." According to defendant, given the alternatives, that appears clearly to be a choice which is both legitimate and rational. (See prior clarification of this aspect of the case, supra, at 5-6.)
Both parties agree that the "no fault" as well as "threshold" structures have generally been upheld against equal protection challenges, not only in New Jersey, see Rybeck, supra, but throughout the United States.
Both the United States Constitution, Amend. XIV and the New Jersey Constitution (1947), Art. 1, par. 1, (which may afford greater protection) are involved in this case, since both apply the same basic tests.
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A priority is the necessity of studying the goals to be attained as compared to any infringement on individual rights. The State must demonstrate the legitimate furthering of its interests and whether the restrictions imposed are necessary to the achievement of its purpose. Put another way, there must be "a real and substantial relationship between the classification and the governmental purpose it purportedly serves." Barone, supra, 107 N.J. at 368, 526 A.2d 1055.
It is generally acknowledged that the constitutionality of legislation is presumed unless clearly repugnant to the constitution. Id. at 369-370, 526 A.2d 1055. and cases cited therein. The court may not substitute its judgment for that of the Legislature. Frazier, supra, 150 N.J. Super. at 130, 374 A.2d 1259.
In considering equal protection cases, the courts have applied a three pronged test:
1. The validity of the classification as suspect; or
2. semi suspect; or
3. the rational basis test.
Suspect classification requires the greatest scrutiny on the part of the court in assessing the validity of the legislation. Semi-suspect classification requires minimal or intermediate scrutiny only. If neither classification is found to exist, the rational basis test must be applied, that is, the legislation must be rationally related to the acknowledged legitimate state interest. Barone, supra, 107 N.J. at 365, 526 A.2d 1055.
To hold that a suspect classification is involved, the infringement of a fundamental right must be found. If established, application of strict scrutiny requires that the statute must further a compelling state interest and there must be no less restrictive way of accomplishing the stated objective. Ibid. Fundamental rights include those pertaining to race, religion, illegitimacy, procreation, interstate travel, personal privacy, skin color and physical features or have a history of unequal and unprotected status. See Rybeck, supra, 141 N.J. Super. at
[246 NJSuper Page 52]
494, 358 A.2d 828 and Frazier, supra, 150 N.J. Super. at 139, 374 A.2d 1259.
If the classification is determined to be suspect, the burden is on the State to demonstrate the existence of a compelling state interest through a balancing of that interest with those asserted by the party attacking the legislation. Frazier, supra at 139, 374 A.2d 1259.
Intermediate scrutiny is applied to semi-suspect classifications. Such classification has been defined as one including or affecting a group whose fundamental rights are questioned in an indirect manner. To withstand this type of scrutiny, the legislation must serve important legislative objectives -- only when "concerns sufficiently absolute and enduring can be clearly ascertained from the constitution and the court decisions." Barone, supra 107 N.J. at 365, 526 A.2d 1055. Classifications such as gender and statutes requiring fees for primary elections are included in this category.
Neither poverty, disability, wealth or indigency, see Frazier, supra, nor the inability to sue for automobile accidents, see Rybeck, supra, are considered fundamental rights.
As stated previously, if neither classification is present, the legislation must be reviewed under the third prong, the rational basis test.
This court finds that neither classification criteria is applicable to these plaintiffs, since they are neither members of a suspect nor a semi-suspect class. Furthermore, by emphasis on the rational basis test, plaintiffs and defendant have virtually conceded this factual analysis.
The rational basis test if multifaceted. The legislation must be reasonably related to the achievement of the goals proffered. Barone, supra at 365, 526 A.2d 1055. The statute must withstand the test although it may result in some minor inequality. It must be supported by reason or facts to justify its existence. Id. at 367, 526 A.2d 1055. Such facts are presumed to exist. The burden is on plaintiffs to demonstrate the lack of
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relationship of the legislation to legitimate state objectives. Frazier, supra, 150 N.J. at 139, 374 A.2d 1259. Only when the classification is irrelevant to state objectives is there a constitutional violation. Id. at 138, 374 A.2d 1259.
In upholding the "threshold" position in Rybeck, 141 N.J. Super. at 489, 358 A.2d 828, the court stated:
The simple answer is that auto accident injury claims were reasonably seen by the Legislature to present a special problem requiring reform. It was that class of claims that created the calendar congestion, that ate up the investigative and administrative insurance dollar, that represented justice worst delayed, and that most invited compensation without fault determination. Such claims plainly represent an identifiable class whose unique treatment is justified by the special problems it creates. [141 N.J. Super. at 489, 358 A.2d 828]
However, it is important to determine the context of this statement in that the court was directly addressing the injuries suffered as distinct from those suffering the injuries. Neither the question of insurance premiums nor election of "threshold" was considered.
As proffered to this court, basically, it is defendant's contention that election of the "no threshold" position requires the payment of a premium. Plaintiffs did not pay such a premium, ergo, they are relegated to the "verbal threshold" position. In fact, plaintiffs paid nothing at all. In reviewing the validity of that argument it could be claimed that since plaintiffs paid nothing, they should not be included in any category. However, they are clearly included under the "no fault" legislation. Further argument speaks to the administrative milieu as did Barone, and in the lack of provision permitting non-insured persons to pay the difference between the "verbal" and "non-verbal" threshold. To provide for such payment would create, it is contended, an administrative nightmare. This conclusion has not been demonstrated to this court's satisfaction.
This court finds that the legislative history demonstrates the intent of the Legislature in creating options within the "threshold" legislation. These options permitted insured persons to be given a choice of how much they would pay for insurance. They were permitted under the legislation, here in issue, to
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decide between "threshold" and "non-threshold," whether or not to pay approximately $80 a year according to defendant's mathematical calculation.
Defendant's argument that plaintiffs, if given an opportunity to pay the increased premiums, would elect the "verbal" threshold is purely speculative.
Utilizing the rational basis test, it is the opinion of this court that including plaintiffs under provision N.J.S.A. 39:6A-8(a) without affording them the opportunity of paying a fee to increase their coverage or exempting them from same, exceeds the bounds of rationality, that is the acknowledged relationship of the tendered legislation to the achievement of the declared legitimate state interest. This classification, in which plaintiffs are automatically included in section (a), is completely irrelevant to the stated objective of the legislation, permitting insured persons the choice of "threshold" or "non-threshold" coverage for PIP payments, thereby controlling the cost of such insurance.
Utilizing the applicable tests, this court opines that the legislation, as to these plaintiffs, constitutes an unconstitutional denial of equal protection under both the United States and New Jersey State Constitutions. This court finds that plaintiffs have demonstrated the lack of the relationship of the legislation to legitimate state objectives.
Plaintiffs are directed to draft an order incorporating the decision of this court and including plaintiffs in the "no-threshold" category under section eight of the "no fault" statute.
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Note: Sample below may appear distorted but all corresponding word document files contain proper formattingExcerpt from Term Paper:
Human Genome, Stem Cells, & Reparations
Stems Cells are the source of all body tissues. Growth and development of the human body arises from the stem cell and is maintained by it. Although all cells can divide or copy themselves, stem cells are unique because they can replicate and create all other types of cells. This ability of the stem cell to develop into any of the 220 cell types that make up the human body makes it a powerful tool for biological research and medicine. Scientists believe that stem cell research has the potential of leading to previously incurable diseases.
How are Stem Cells Formed?
When a sperm cell fertilizes an egg, a zygote (fertilized egg) is formed. The zygote divides itself almost immediately to form stem cells. These unspecialized stem cells have the ability to replicate (to form other stem cells) and to make all other specialized cells that make up the body tissues such as bone cells, blood cells, muscle, and skin cells. Although stem cells are present in every cell of the body even in an adult, they lose some of their ability to make a wider range of cells with age. Hence, the youngest stem cells, i.e., those found in the embryo are most useful for research and medicinal purposes.
Sources of Stem Cells
Stem Cells can be obtained for research purposes through four different methods.
Fertility Clinics: During fertility treatment, a process known as in-vitro fertilization is used in which eggs removed surgically from a female ovary are fertilized with sperms in a lab for subsequent implant in a woman's uterus. Numerous fertility clinics fuse more than one egg with sperm as a routine -- this is done to try another implant if the first one does not work. There are thousands of such "left-over" embryos in liquid nitrogen freezers in the U.S.A. And elsewhere. These embryos are the most common source for scientific research.
Aborted Fetuses: Aborted fetuses donated by women were first used for developing stem cell culture by researchers and could be another source for embryos.
Cloning: Privately funded research companies, e.g., Advanced Cell Technology of Worcester, Mass., are trying to create cloned human embryos as sources for stem cells for commercial purposes.
Made to Order: Some companies have fertilized eggs specially to create stem cell sources for research purposes. These include the Jones Institute in Virginia, USA.
Out of the 4 sources the "left-over" embryos from the in-vitro fertilization clinics are the most ethically acceptable and widely used source for stem cell research.
The methodology for cultivating stem cell lines in the laboratory (usually in vitro fertilization clinics) is briefly described below:
An egg removed surgically from a female ovary is injected with a sperm. A day after its fertilization, the egg splits into a two-celled embryo, which splits into 4 cells the day after and continues to split until, on the 4th or the 5th day, the embryo becomes a multi-celled ball called a blastocyst. At this point the embroyo (blastocyst) is very tiny and its size can be compared to the dot on an "i."
The embryo can then either be implanted into a woman's womb for starting a pregnancy or stored (frozen in liquid nitrogen) for later use; or it can be used for stem cell research. In case the embryo is used for research, the scientists remove stem cells from inside the blastocyst; thus destroying the embryo. The stem cell lines can now be cultivated in the laboratory and can be made to multiply indefinitely. Research scientists are attempting to treat or "coax" the stem cells in developing them into different kinds of cells, such as muscle cells, nerve cells etc.
The Ethical Debate
Because embryos are destroyed when harvested for research, stem cell research has become a controversial issue and become entangled with the abortion debate. The opponents of stem cell research oppose the use of anything for research that is "viable," i.e., able to grow and argue that it is wrong since it destroys human life and. Supporters of the research point out that the frozen embryos kept in the fertility clinics by the thousands would either be eventually discarded or kept frozen indefinitely. They are of the opinion that the cell research holds immense potential for benefiting mankind through development of cures for diseases such as diabetes, Parkinson's and Alzheimer's.
The opponents are in favor of research conducted through "adult" cells, such as the ones derived from bone marrow or umbilical cords instead of embryos. Most researchers, however, are of the opinion that adult cells are not as versatile or flexible as embryonic cells and far less capable of growing into different types of tissues. The development of human embryos specifically for research by a private company has provided further ammunition for the opponents. They argue that a life start at conception and any destroying of the embryo, thereafter, is morally wrong whatever the benefit.
Federal Funding
One of the major issues in the stem cell debate is whether to allow federal funding for the research. It must be remembered that federal funding is crucial for the rapid development of stem cell research since only the availability of such funds can widen the scope of research sufficiently to accelerate the rate at which cures are found. Without federal funding most labs which receive such funds (and most big name labs in the country receive fed funds) cannot carry out stem cell research. If research is only carried out in privately funded labs, most of the country's leading scientists would not be involved in the research, lack of sharing information would lead to unnecessary duplication, and commercial pressures would restrict research in areas of high profit only. On the other hand, in federally funded research scientists are able to share findings and the work gets peer-reviewed that immensely enhances the quality of research.
Latest Status firm government position on federal funding was hanging fire when President George W. Bush took over the presidency. Due to conservative pressures and the anti-abortion lobby Bush was opposed to federal funding for stem-cell research during his campaign trail. In August 2001, the President announced the government policy on federal funding. It stipulated that federal funds would be available for research only on existing stem lines, i.e., only stem cells that were already in culture could be used for federally funded research but scientists may not isolate additional sources of stem cells.
The Human Genome complete collection of all the genetic material in an organism is called the genome, i.e., all the DNA including its genes. Genes carry information for making all the proteins required by organisms. These proteins determine, among other things, how the organism looks, how well its body metabolizes food or fights infection, and sometimes even how it behaves.
Human Genome Project - Scientific Collaboration
The Human Genome Project (HGB) is a program of international scientific collaboration that seeks to understand the entire genetic blueprint of a human being. Started in 1990, the program was due to be completed in 15 years but technological innovations and effective resource allocation have reduced the completion time to 13 years. Its main aims are to identify all the genes in the human DNA, determine the sequences of about 3 billion base pairs that make up human DNA, and to store the data in data bases. It also seeks to improve tools for data analysis, transfer genome technology to the private sector, and the ethical, legal, and social issues related to the technology.
Apart from the U.S.A., other countries involved in the Project include Australia, Canada, China, Russia, United Kingdom, France, Germany, and Japan. A rough draft of the human genome sequence was completed in June 2000, and the analyses were published in February 2001. Efforts are underway to complete a high-quality & accurate sequence of the genome by 2003.
The expected benefits of the HGB are immense. Only a few of these can be visualized at present. The project expects to provide future generations of biologists and researchers with detailed DNA information for understanding the structure, organization, and function of DNA in chromosomes. More specifically, many scientists believe that that the project has the potential to revolutionize the fields of therapeutic and preventive medicine by "providing insight into the basic biochemical processes that underlie many human diseases."
The DNA Structure
The most important component of a chromosome is the single continuous molecule of DNA. This molecule is shaped like a twisted ladder and is composed of linked chemical compounds known as nucleotides. Each nucleotide consists of 3 parts -- a sugar, a phosphate, and one of 4 bases (abbreviated A, T, C, and G). The sugar and phosphate form the two parallel sides of the ladder while the bases join in pairs as rungs of the ladder. These bases or rungs of ladder are repeated millions or billions of times throughout a genome. The human genome, for example, has 3 billion pairs of bases.
The particular order…[continue]
"Stem Cell Genome Reparations" (2002, September 25) Retrieved December 4, 2016, from http://www.paperdue.com/essay/stem-cell-genome-reparations-135551
"Stem Cell Genome Reparations" 25 September 2002. Web.4 December. 2016. <http://www.paperdue.com/essay/stem-cell-genome-reparations-135551>
"Stem Cell Genome Reparations", 25 September 2002, Accessed.4 December. 2016, http://www.paperdue.com/essay/stem-cell-genome-reparations-135551


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Professionalism in the sphere of the real estate economics in agro-industrial complex implicates in-depth study of various economic, legal and practical aspects.
The program provides learning various issues related to operation of the main types of real estate in agro-industrial complex.
Within study process students will have practical training at real estate enterprises. On the completion of the course students make the Master's thesis to demonstrate their ability to write and to analyze research papers and communicate logically.... [-]
A a full-time programme intended for domestic and foreign students with a bachelor degree, with no or little work experience. [+]
Master in International Management
Offered by the Institute of Business Studies (IBS-Moscow)
Since its inception Institute of Business Studies (IBS-Moscow) within the Russian Presidential Academy of National Economy and Public Adminstration (RANEPA) has been a leader in the Russian business education market. IBS-Moscow is a collegiate business school operating in the RANEPA's premises in Moscow. IBS-Moscow was founded in 1988 within the Moscow State University of International Relations nationally known for strong international expertise. In 1994, IBS-Moscow transferred to the RANEPA and became its homogeneous structural unit.
Our mission is to implement education solutions that would further the setting up of a community of capable managers and businesspersons who would play the role of market leaders, enterprising, competitive, ethically educated and ready for achieving success both in the national and global markets.... [-]


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What do you need?
Description of Crickhowell Wedding Cars
We have a modern Mercedes elegance E class with lovely light interior which is automatic and smooth to ride in.
The car will come dressed with ribbons and a floral display in the rear window. You will be chauffeur driven, there will also be a complimentary bottle of champagne and a box of chocolates for the bride and groom.
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text: Other reviewers noted that this is a place for locals. That's why we headed here. The locals know where there's good food. This was no exception! We tried Rocky Mountain oysters for the first time and then got the Bbq sandwiches. Everyone loved their food and three out of four needed boxes because the quantity was very generous. The sauce... More


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Autumn Acorn Squash
Total Time
1hr 20mins
Prep 20 mins
Cook 1 hr
This quick and easy dish is a meal in itself. I serve this quite often during the fall and winter months.
Ingredients Nutrition
- 2 medium acorn squash
- 1⁄2 lb ground turkey
- 1 egg
- 1⁄2 cup cooked wild rice
- 1⁄2 cup chopped peeled tart apple
- 1⁄2 cup chopped fresh cranberries or 1⁄2 cup frozen cranberries
- 1⁄4 cup chopped celery
- 1⁄2 teaspoon salt
- 1⁄2 teaspoon dried parsley flakes
- 1⁄4 teaspoon ground allspice
- 1⁄4 teaspoon ground cardamom
- Cut squash in half and discard seeds; set squash aside.
- In a skillet over medium heat, cook turkey until no longer pink; drain.
- Add egg, rice, apple, cranberries, celery, salt, parsley, allspice and cardamom.
- Spoon into squash halves; place in an ungreased 13-in. x 9-in. x 2" baking dish. Fill dish with hot water to a depth of 1/2 inches
- Cover and bake at 350 for 25 minutes. Uncover; bake 20-25 minutes longer or until the squash is tender.
- Yield: 4 servings.


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THIS IS A DIRECTORY PAGE. Britannica does not currently have an article on this topic.
Learn about this topic in these articles:
biotic distributions
...nevertheless can put a wedge between taxa, eventually causing related species, genera, families, and so on (on up the taxonomic hierarchy) to diverge. An example of this mechanism is seen in the Gregory Rift Valley, the eastern branch of the East African Rift System; distinctive subspecies of wildebeest are represented on either side of the rift valley, with the subspecies Connochaetes...


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Arcus, ridden Shane Laviolette, surprised favored Walk This Way with a gate-to-wire victory in Saturday's $75,000 Crescent City Derby for 3-year-old Lousiana breds at Fair Grounds.A bay gelding by Dayjur trained by Alvin Sider for owners/breeders Glenn Jones and Missy Rutherford, Arcus went 1 1/16 mile on a sloppy track in 1:48 4/5 to record a 1 1/2-length victory over Walk This Way. The 8-5 favorite was a head in front of Old Lee in the field of 11 sophomores.Arcus cruised to the early lead, responded when challenged by Classic Hour approaching the stretch and pulled away again to finish clear while under a drive.He notched his second win from five starts and earned $45,000 for the effort.The winner paid $28.80, $11.80 and $9. Walk This Way returned $3.40 and $3. Old Lee's show was $4.60. The $2 exacta was worth $110.40.(Chart, Equibase)
Arcus Surprises in Crescnt City Derby
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I have over 25 years of making people smile. I'm a writer, illustrator, designer, and entrepreneur all rolled up into a witty and funny personality.
I've done everything from magazine publishing, app development, children's book creation, improv instructor, and have owned two greeting card companies. I've learned a lot over the years on how to save money and design for all ages!
I love helping people go after their dreams and I know I can help you!


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Have you ever thought about hiring a military veteran for your company, but stopped there? If so, you're not alone. Like many of us, you may not know how to source the best match for your organization. Or you may want to save time and hire through your usual channels. Don't. Unless you expand your hiring scope, you're missing out on an opportunity to build a stronger, more competitive company culture. It's time to start thinking proactively about veterans every day of the year, and not just on Veterans Day.
Unparalleled Team-Building Skills
Veterans have the strongest management and operational experience in the marketplace. Their team-building skills are unparalleled. Veterans understand diversity because they represent every color, culture and lifestyle nuance in the rainbow. They've also trained with, lived with and protected every type of personality you find in the corporate workplace (and jungles beyond). Bottom line, they know how to assimilate.
Veterans bring these strengths to the workplace. Whether your office is full of skateboarders, MBAs, or international hires, veterans fit in. By dint of their training, they bring extra bonuses, too. They've been trained to recognize the signs of someone under unmanageable stress (run 200 attack missions out of Iraq, and it's unavoidable). So they have innate radar for identifying potential trouble spots in a company's culture and often have the gift of knowing instinctively how to diffuse them. And if your goals include hiring more women, the ranks of military veterans include many.
Easter Seals Dixon Center, the Veteran Staffing Network And Other Resources
Easter Seals Dixon Center leverages a nationwide network of community-based programs to help veterans succeed in meaningful employment. Easter Seals' Veteran Staffing Network is a staffing agency that provides temp-to-perm, contract, and direct-hire placements with the goal of putting veterans on a meaningful career path. Their Toolkits & Training resources are rich troves of information and statistics of particular value to human resource professionals who want to learn facts about what veterans bring to the bottom line of businesses. (Less turnover is one.) They have also created a series of humorous PSAs to counter misperceptions regarding veterans.
Join the Club...An Elite One
When you become involved in hiring veterans, you benefit in highly pragmatic ways --including becoming part of the nationwide network of veteran supporters.
Aspire to work with companies like Chase, Disney or First Data, the nation's largest credit-card processing company? Scores of powerful, high net worth business leaders support Easter Seals and other organizations that employ veterans. So when you hire veterans and become active in the organizations that support them, you join a private club of some of the most elite power brokers in business. That is one strong recipe for success. Hiring veterans will help you attain it...and much more.
Shannon Wilkinson is the CEO of Reputation Communications. The company's strategic growth plan includes hiring veterans.
(Article courtesy of Huffington Post.)
About Healing Heroes Network
Hero Giveaways is a proud supporter of Healing Heroes Network. Healing Heroes Network is committed to healing America's Heroes by providing financial assistance for quality care to military personnel injured in the line of duty in Iraq or Afghanistan since 9/11/01. Join our mission in healing our Heroes by supporting our wounded Veterans through communication, education, and community outreach. Healing Heroes Network strives to bring awareness to the often untreated injuries sustained in war and the desperate need for our services. If you are aware of a wounded Hero injured after September 11, 2001, in need of medical services not being provided, or if you are a medical provider willing to join the network, please contact Healing Heroes Network directly at 727-781-4376, or visit www.healingheroes.orgOther Articles
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Check in from 14h / Check out prior to 11h
Villa Nova: Find photos, reviews, information, amenities and compare prices for 3 stars hotels in Jelenia Gora, Poland.
Situated in Jelenia Gora, Villa Nova is a short drive from Myslakowice and Karpacz. It also provides a wake-up service and a garden.
Hotel description
Each room at Villa Nova includes cable/satellite channels and a flat-screen TV, while the bathrooms feature showers and hair dryers.
Dom Goscinny Villa Nova Jelenia Gora features a restaurant and a bar where guests can unwind at the end of the day with dinner and a drink.
Hotel features
Restaurant, Cable / Satellite TV, Hair Dryer, TV, Shower, En suite, Private Bathroom
Wake-up Service
Private Toilet
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09 July 2015, Thursday, 13:35
UFA, 9 July 2015. /Bashinform News Agency, Arthur Basyrov/. A cartoon about the ongoing SCO and BRICS Summits in Ufa was shot in China. According to the "Renmin Ribao" newspaper , the movie scored more than a million views on the Internet.
The main heroine of the movie is a girl named Hae Jin — a combination of the Chinese name "SCO" and "BRICS". She answers common questions regarding the Summits: what kind of summits are they, why do two Summits open almost simultaneously, the global impact of the forums. (http://www.youtube.com/watch?v=mOghge7t-W8).


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NASM - Corrective Exercise for Shoulder Impairments
NASM - Corrective Exercise for Shoulder Impairments
.FLV, AVC, 983 kbps, 640x360 | English, AAC, 64 kbps, 2 Ch | 1 hr 45 mins | + PDF | 725 MB
Instructor: Eric Beard
13.7 million people per year report having shoulder problems. Rotator cuff tendonitis and shoulder impingement are the most common diagnoses. Make sure that you are prepared to deal with the complexity of the shoulder girdle so you can prevent a problem before it arises. Come cultivate the knowledge base that will help you to foster relationships with licensed healthcare professionals so you can develop a referral stream.
Learning objectives
1. Identify risk factors for shoulder impairments.
2. Explain basic functional anatomy of the shoulder complex.
3. Facilitate movement assessments for the shoulder complex.
4. Differentiate between probable overactive and underactive muscles when shoulder impairments are identified.
5. Develop a basic corrective program for shoulder impairments.
6. Perform basic corrective exercise techniques for shoulder impairments.