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Investment Performance: CDs vs. Stocks
Bank Deal: Earn 1.00% APY on an FDIC-insured savings account at Barclays.
Last week I highlighted an article about the long-term performance of stocks vs. bonds. The upshot was that, while stocks hold a slight long-term edge, bonds can (and do) outperform stock over significant time periods. Today we're turning our attention to certificates of deposit (CDs).
CDs vs. Stocks
Did you know that CD outperformed stocks* from 1994-2008? It's true. Check out the graph below:
In fact, if you had invested $10k each year on January 1st, you would've had accumulated $207,509 worth of CDs and $178,253 worth of stocks.
Once again, these sorts of conclusion are highly dependent on the time frame under consideration. After all, the second half of 2008 included of the worst bear market declines in recent history. Moreover, CD rates were considerably higher during the late 1990s and early 2000s than they are right now.
Regardless, as with the stocks vs. bonds analysis, this study makes an important point… Yes, the long-term performance of stocks is typically better than that of other investment types. However, it's very possible for stocks to underperform over shorter time periods, even when compared to the much more conservative investments.
*Note: Based on six month CD rates vs. S&P 500 performance including dividend reinvestment.
Source: The Big Picture.
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Filed under: Saving & Investing
Comments (scroll down to add your own):
I'm not a big fan of this analysis.
First, look at the timespan… 15 years. Most long-term investors hold their equity for 30+ years.
Second, look at the actual performance. Of the 15 years, only 2 yielded higher CD returns. The remaining 13… the S&P 500 was well ahead.
These are dangerous statistics, as a financially uneducated person might see this, bail out of stocks and start investing in CDs.Comment by Anonymous — Jul 20th 2009 @ 9:14 am
How about taxes? Taxes on a CD are taxed at ordinary income tax, which could easily be 25% or 28% federal plus your state taxes. Meanwhile depending how you invest in the S&P you might never pay more than 15% taxes on divdends and when you sell. I think by taking one more factor into account this will not paint as bright a picture for CDs as you are going for. This chart reminds me of tradition financial planning. Let's focus on one area to make it nice and rosy and we'll ignore all other eroding factors. This is why financial planning is failing so many people.Comment by Anonymous — Jul 20th 2009 @ 9:47 am
I know that most investors are surprised to see that CDs have been beating stocks for a long time. That's because The Stock-Selling Industry has spent hundreds of million of dollars promoting the Passive Investing concept (which may or may not be a plus for The Stock-Selling Industry but which has caused the greatest loss of middle-class wealth in the history of the United States). The reality is that there is nothing at all surprising about these numbers for those who have looked at the historical stock-return data dating back to 1870.
Super-safe asset classes always beat stocks when stocks are selling at the sorts of prices that applied from the mid-1990s through the price crash. It's not hard to understand why. Stock prices went to three times fair value at the top of the bubble. Imagine that you were buying a car that was properly valued at $20,000 and the dealer asked you to pay $60,000. Would you buy? The promoters of the Passive Investing concept say that we all should buy stocks in those circumstances and lots of them. We can never buy enough overpriced stocks, in the view of The Stock-Selling Industry.
The reality is that stocks are like anything else that can be bought and sold. There are some prices at which they offer a wonderful deal. There are some prices at which they offer a good deal. And there are some prices at which buying them is all but certain to cause you to delay your retirement by five years or longer.
We need to begin buying stocks rationally. That is, non-passively. We should take price into consideration before putting money on the table. We should put our interests first and the interests of The Stock-Selling Industry second.
RobComment by Anonymous — Jul 20th 2009 @ 9:52 am
Torn –
"I'm not a big fan of this analysis." – I think you're not a big fan of the results of the analysis
"First, look at the timespan… 15 years. Most long-term investors hold their equity for 30+ years." – But i think a lot of folks think when investing for 15 years, stocks is a no brainer, well maybe they are not. Look at 529s.
"Second, look at the actual performance. Of the 15 years, only 2 yielded higher CD returns. The remaining 13… the S&P 500 was well ahead." – You just said most long term investors hold their investments, so the balance of this account over time is much more important to any of these invetors than fact the S&P usually beat it. Every knows that is the case, the point is that the years the S&P loses 50% can cancel out a lot of good years.
"These are dangerous statistics, as a financially uneducated person might see this, bail out of stocks and start investing in CDs." – this is information that educated people. an uneducated person is one that would continue to follow blanket statements (like stocks always beat other investments over time) instead of delving into the details (like what amount of "time" we are talking about.
Given the rarity of stocks losing over a 15 year period, I think stocks are the better bet over a 15 year time frame. But this chart reminds everyone that this is a "bet". It is the no worries buy-and-hold mantra that has led to the problems we hear about today of people's retirement being ruined, they bought the "no worries" part and weren't saving enough to start with because of it.Comment by Anonymous — Jul 20th 2009 @ 10:18 am
It's all about risk / reward and locking in gains when you can. A smart investor would have both components in his portfolio, along with others: precious metals, real-estate, bonds (corp & muni), treasuries, cash, etc.
There are pros and cons to every investment. Different risk / reward profiles, and time periods where an investment does best (recessions or bull markets).
The graph is nice because it shows how two investments can start at the same place, take wildly varying paths, and end up in almost the same finishing point. The stock investor took on more risk, to get potentially higher gains — but if he did not sell in 2007, what was the point?Comment by Anonymous — Jul 20th 2009 @ 10:31 am
tom: I absolutely agree that the results of these sorts of analyses need to be viewed with caution, and didn't mean to suggest otherwise. I do, however, think that the results of these sorts of analyses are worth keeping in mind, as they provide a bit of balance to the "you can never go wrong with stocks" mentality.
CJ: Taxes are an excellent point, though you can (and many do) hold CDs in an IRA. The point that I'm "going for" isn't that CDs are a better bet than stocks, but rather that stock performance is far more variable than many people are willing to admit.
For the record, our portfolio is stock-heavy, though we have a reasonable chunk of bonds as well as some cash (largely in CDs). As far as I'm concerned, proper diversification is the key.Comment by Nickel — Jul 20th 2009 @ 11:05 am
they provide a bit of balance to the "you can never go wrong with stocks†mentality.
I applaud you, Nickel.
What I like about this comment is that your other comments show that you do not go along with the position set forth in my comments above. Yet you are showing with the words quoted above that you have an open mind, that you can at least consider some new ideas.
That's important. I have participated in many discussions of the issues being raised here and in a good number of cases I have not seen that sort of openness among Passive Investing advocates. I believe that we need a national debate on these questions to figure out once and for all how stock investing really works (today's "experts" are putting forward dramatically different takes and all seem to think that their views are supported by the historical data — that obviously cannot be so). When more Passive Investing advocates become a bit more open-minded, I believe that we are going to see the biggest learning experience we have ever seen in the personal finance field.
I have had a lot of bricks thrown at my head in recent years and I need to be encouraged from time to time. Your words above (because they come from a Passive Investing advocate) encourage me. I am grateful.
RobComment by Anonymous — Jul 20th 2009 @ 11:17 am
Great article.
I have said many times in postings over the past few years that the number one rule regarding money is….
I can't stand mutual funds. Because you can't control the purchase or sales of the individual stocks. Mutual funds are "opiates for the masses" Most of them underperform the benchmark, and the benchmark underperforms risk weighted fixed income much of the time.
I do appreciate individual stocks, but only for those that fully understand the specific stock they are buying. And only when you buy companies, not stocks.
However, I think true pro's invest in other avenues. Their own businesses. Real property, etc. Things they control.
I think insured CD's are one of the best invenstments that exist. Stable predictible guaranteed return.
What I find amusing with the opponents of this post are the general comments of "if it wasn't for the two down years" or "13 of the 15 years outperformed"
But you must ask yourself, why did the S&P outperform most of those years, or why was there a steep correction twice in 15 years.
Reversion to the mean. The same reason that allows for inflated return requires the contraction to revert to the average.Comment by Anonymous — Jul 20th 2009 @ 12:05 pm
I understand the need for these articles, but saying CDs out perform stocks is like kicking a man while he is down.
Diversification though.. that is the key!Comment by Anonymous — Jul 20th 2009 @ 12:37 pm
If nothing else, this analysis should underscore the importance of a truly diversified investment portfolio. That largely went out the window in the 80s, 90s and early 2000s, as it does in all manias. A few years back Time magazine even ran a spread that reported that middle class investors had come to view mutual funds as the new savings accounts.
One other factor in favor of a large position in stocks is human nature. The majority of people will sell their stock positions in a declining market, and buy at or near market tops. If we could truly have the emotional fortitude to buy when everyone else is selling, and sell when everyone else is buying, we'd probably all be millionaires. Most stock market investors aren't, so read into that what you will. Most don't fully understand the risk they're taking on with majority stock positions.
The great thing about CDs, not only vs. stocks but also vs. bonds, is that you always know what you have. Call that "sleeping money"–we all need some of that. Not that we need to abandon stocks, only that they should be part of a persons portfolio, not most of it, and certainly not all of it.Comment by Anonymous — Jul 20th 2009 @ 2:12 pm
I need to go get a CD. I have been putting it off forever.Comment by Anonymous — Jul 20th 2009 @ 3:36 pm
CDs are fantastic in rough and good times. The key is to build THE NUT first. A 4% guaranteed return on a 5 year CD doesn't sound like much, but if you have $500,000… that's $20,000/yr and you 5 years, your $500,000 will have GUARANTEED to have grown to over $630,000.
Build the nut, and get the guarantee.
Rich By 30 Retire By 40Comment by Anonymous — Jul 21st 2009 @ 1:35 am
I believe there are a great many people brainwashed by academia and financial planners in stocks. For one thing, the return out of a financial asset cannot outrun the nominal growth of an economy for very long. At best it can over shoot the mark or make up for delayed time. The SPX at a 3% dividend has never done well over a 30 year period, thus we have a situation where at best a 3% dividend market exceeds the real rate of interest by 1/2% to 1%. Being the risk premium on stocks is closer to inflation plus 6%, we are well short and thus the formula, P=d/(1+k) would have to be adjusted. Thus, we are actually looking at a situation where dividends being 3%, that in order to cover the risk premium the current k would have to be increased by 2% or more. I would bet that if you took the CD versus stocks back to the peak in 1987, you would find the same thing, that CD's outperformed stocks.
Few understand what asset inflation does for stocks. Had we not had the housing bubble to create even more cash for the system, stocks would have performed even worse. We have seen 12 figure companies go to zero or near zero over and over again since 2000. The drop in the value of CSCO or INTC alone would swallow the summed value of AAPL and GOOG.
If you understand financial functions and compound functions, you can go to Robert Shillers site at Yale university and download his historical data on stocks and do your own study. I can tell you that on a principal basis, it took from 1966 to roughly 1995 to get even on stocks if you held the SPX from 1966. Someone mentioned taxes and to liquidate in 1995, you would have had to pay all the taxes on the inflated gains, gains which otherwise were not even real. Capital or regular, this was a loss.
They never tell you the trillions that wash down the drain over time in stocks, only work on what is left.Comment by Anonymous — Jul 30th 2009 @ 2:33 am
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All contest entries postmarked January 31, 2016 will be accepted.


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Simulation of velocity profiles in a laboratory electrolyser using computational fluid dynamics
Vázquez, L., Alvarez-Gallegos, A., Sierra, F.Z., Ponce de León, C. and Walsh, F.C (2009) Simulation of velocity profiles in a laboratory electrolyser using computational fluid dynamics. Electrochimica Acta (doi:10.1016/j.electacta.2009.08.066).
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A commercial CFD code, Fluent, has been used to analyse the design of a filter-press reactor operating with characteristic linear flow velocities between 0.024 and 0.192ms?1. Electrolyte flow through the reactor channel was numerically calculated using a finite volume approach to solve the Navier–Stokes
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velocity profiles are considered for the typical current density range used in the FM01-LC reactor
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Pictures to capture a truly beautiful week in Oaxaca, Mexico for the destination wedding of Amy + Kazuki.
Brand Manifesto Inspiration
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A manifesto is your brand's Magna Carta, Rosetta Stone, and Declaration of Independence all rolled into one; it's the halftime locker room speech given by the CEO; the words the founder heard on the mountaintop before bringing down the stone tablets. Reading a great brand manifesto should make you wanna run out and try the product. You should feel the brand fire in your bones. … They can serve as true north on a brand's compass and be used for all kinds of creative decisions.
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Apple – Think Different
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This weekend was quiet in the best possible way. We watched the entire first season of The Returned, episode after episode (it's the kind of show you want to binge watch). Amy, Heather's sister, came over so all the dogs could play (I finally got a pomeranian! I've been wanting one for years.). We drank coffee throughout the day while cozied up on the couch, went grocery shopping on Saturday night, and to the dog beach on Sunday. Relaxing, restorative, wonderful.
But I'm really posting this to say: The Returned. Go watch it now. It's on Netflix. Every fall I get into a watching spooky movies/TV shows mood, and this fall has been no exception… and this show perfectly suited the mood.
The Returned is set in a sleepy mountain town in France. The general premise is that years-dead loved ones suddenly and mysteriously come back to life, as though no time had passed. They're not ghosts: it's more like they're resurrected, in flesh and blood.
The first season consists of 8 episodes, each about an hour long. Yes, that means I watched a good 8 hours' worth of TV in one weekend. And loved every minute of it. So there you have it, your next show to watch.
"It Doesn't Get Better. You Get Better."
"Listen, I wish I could tell you it gets better, but it doesn't get better. You get better. I've gone up, I've gone down, I've been bankrupt, I've been broke. But you do it, and you do it because we love it more than anything else. That's why you're doing it."
Every once in a while you read a quote that's exactly what you needed to read that day; and that's what that quote was for me, today.
Rest in peace, Joan Rivers.
Weekend Jaunt to New York City
Last year we had eight full days to sink into New York City, this year, only a three-day weekend. The highlights:
- Breakfast at Buvette, an adorable French bistro in the West Village. I guess adding a gob of butter to belgian waffles does the trick. Melt-in-your-mouth goodness!
- On that note, staying in the West Village again – at the same Airbnb we rented last time.
- Checking out the Lower East Side… and Katz's Delicatassen, where the famous scene from When Harry Met Sally was filmed (I'm a bit of a Nora Ephron fan.)
- Visiting the Tenement Museum, and learning about immigrant life in the late 1800s/early 1900s
- Dinner in Little Italy
- Shopping around Soho
- A quick trip to Williamsburg to say hi to a friend
Far too quick of a trip – but it's always good to spend some time in New York City.
Also, in writing this post, I'm realizing how neglected this blog has been over this past year, and how I've missed it. I'll make a point of it to start posting more regularly again.
One last stop, and thoughts on Puerto Rican independence (Part ii)
Before heading to the airport to return to Chicago, we made one last stop: to Panadería la Ceiba.
"Most of the bakeries in San Juan are run by old Spanish guys," Gil, Vanesa's husband told me. La Ceiba is a sort of deli-style bakery with concrete floors, white walls, and lots of typical Spanish dishes.
"Did you see the desserts?" Vanesa's dad asked me, pointing to the cases filled with Spanish pastries and desserts.
Vanesa ordered for the lot of us – Gil, her dad, her brother, her sister-in-law and baby niece, and me. They ordered Cuban sandwiches and seafood paella and other tapas to share.
"You probably understand him better," Gil mentioned to me, indicating the blue-eyed Spaniard with the weathered tan who was serving us. I ordered a tortilla española. It had been so long since I'd had a good one; since it seems the only good tortilla españolas are to be found in Spain. (It was okay; finding a good tortilla española outside of Spain remains elusive.)
To end the meal, Vanesa's dad ordered a plate of quesitos to share. "You can find these anywhere in Madrid," he said, grabbing one of the long, flaky pastries filled with sweet cream cheese.
There seems to be some pride in their Spanish heritage in Puerto Rico. They speak the language. And for 400 years, they were Spain's colony. It shows. The language, the food (the quesitos!), the whole quarter of Old San Juan feel very Spanish. With a Carribean twist.
In 1898, the U.S. took Puerto Rico as its own "unincorporated territory". And while we ate, Gil and Vanesa's brother Luis, took their time to explain to me Puerto Rico's situation – from a Puerto Rican perspective.
"We're a stupid ass colony," Gil said, not one to mince words. Vanesa's family are independentistas. They don't want to be an "unincorporated territory" of the United States. They certainly don't want to be a state. They want to be their own country.
"We independentistas are in the minority. It's about 10% of us. Typically the more educated Puerto Ricans are pro-independence. Other Puerto Ricans want to be a state, because they think it'll make us instantly rich. 'We'll be like Miami!', they think." Gill laughed.
"What do you think would happen if Puerto Rico gained independence?" I asked.
"Well, it would be hard at first," Gil said, and left it at that.
It was time to head to the airport. After kisses on the cheeks and goodbyes and gracia', it was good to meet you, see you in Chicago, Gil, Vanesa, and I drove the rental car back to the airport, to leave that sunny island and head back to the urban north. It was time.
8 Days in Puerto Rico (Part I)
Puerto Rico is many things. It's Spanish. It's American. It's Caribbean. And frankly, I hardly feel qualified to write anything about it at all, which is perhaps why it's taken me over a month to work up the nerve to write this post, because who am I to say anything about Puerto Rico?
Luckily, I did get to visit Puerto Rico with Puerto Ricans, who helped me see a side of Puerto Rican that most tourists don't get to see.
The idea to go to Puerto Rico started out at Three Dots and a Dash, a trendy new cocktail tiki bar in Chicago. Heather and I were there hanging one night with our friends Vanesa, who is from Puerto Rico, her husband Gil, and Mariana and Alex. Vanesa said, "hey, we're going to Puerto Rico during Semana Santa (Holy Week). Wanna come?"
Yes, we said. Yes, we did want to come. The next day, we booked our tickets, and started planning our trip to Puerto Rico.
That's how trips start, you know. With simply the decision to go.
So, here goes.
Day 1
We take the flight with Vanesa and Gil from cold, dreary Chicago to the sunny skies and blue waters of Puerrrto Rico! This was in April, and believe me, in April, Chicago is still cold and dreary.
We land, pick up our rental car, and head to our hotel, Da House (despite the name, perfectly charming…), right in the heart of Old San Juan. We parked our stuff in the hotel and then set out to explore the streets. (Vanesa and Gil had headed to their family's house, where we later joined them for dinner.)
For the first time in months, I felt the sun's warm rays on my skin again. Every time this happens, it's like I've forgotten that such pleasant weather can actually exist. And then summer comes again, and I forget all about winter. (My short-term memory for the weather is probably the only thing that gets me through living in this climate.)
Day 2
Time to leave San Juan! In Puerto Rico, a rental car is practically indispensable, unless you plan to spend all your time just in Old San Juan. Even San Juan is largely navigable only with a car. We spent the morning exploring Old San Juan again, walking those charming, colonial streets, eating mallorcas and drinking cafés con leche. A mallorca is a pastry from the Spanish island of Mallorca, where it's called an ensaimada. Vanesa's dad told us that in Puerto Rico, they started calling them mallorcas, because that's where they're from, and the name stuck.
From there, we drove to the west side of Puerto Rico, where we would be joining Vanesa's family for a few days on the beach. We went to Cabo Rojo/Boquerón, a place, Vanesa told me, that was more "internal tourism". Puerto Ricans vacation there much more than Americans do. (Americans apparently go to Rincón.) So Heather and I headed to our Airbnb digs of… a tent. I'll admit that I had my reservations. Sleeping in a tent in the jungle of Puerto Rico was more Heather's idea of a good time than mine, but we made shrimp scampi in the attached outdoor kitchen and listened to the coquis all night long, and all was well. (It was really a pretty extravagant tent.)
Days 3-4
Beach time! Basically, this:
There's something about sand and sun and lapping sea water that just feels so indulgent.
Not Waving but Drowning
Not Waving but Drowning
by Stevie Smith
Nobody heard him, the dead man,
But still he lay moaning:
I was much further out than you thought
And not waving but drowning.
Poor chap, he always loved larking
And now he's dead
It must have been too cold for him, his heart gave way,
They said.
Oh, no no no, it was too cold always
(Still the dead one lay moaning)
I was much too far out all my life
And not waving but drowning.
This morning, in a cleaning purge, I found an old box full of letters. Over a decade of letters stuffed inside. In 2014, I don't get as many letters these days, sadly. But leafing through those old letters, many of them from the ages of 18, 19, and my early twenties, I was reminded of my many literary ambitions. I missed that, reading those old letters, when friends and I would put pen to paper and write to one another. Can't we do that again?
That poem was mentioned in an old letter, and so I revisited again. Beautiful.
(Illustration by Stevie Smith, which accompanied the poem)
New Year's Day Flight
Go See: Blue Is the Warmest Color
The other night, I saw Blue is the Warmest Color. The movie itself is three hours long, during which I only looked at my watch once, out of mere curiosity. I have never been so wrapped up in a film. It could have gone on and on.
Directed by French-Tunisian filmmaker Abdellatif Kechiche, it won the Palme d'Or, the highest prize at the Cannes Film Festival… and no wonder. Steven Spielberg, who headed the jury, called the film "a great love story that made all of us feel privileged to be a fly on the wall, to see this story of deep love and deep heartbreak evolve from the beginning."
Partly a coming-of-age story, the film chronicles the life of Adele, played by Adele Exarchopoulos, who is 15 when the film starts, and Emma (Lea Seydoux), a college student. The two begin a passionate love affair that lasts, I'm not sure how long, but maybe ten years. The ending is heartbreaking, and very real: The sad and heart-wrenching reality that sometimes one person moves on from a relationship, and the other doesn't.
I don't want to say too much else about it, because I want to leave some of the surprise for just seeing it, but this film left a real impression on me. Have you seen it? If so, let me know what you thought! If not, get yourself to a theatre and see it. I myself might have to go see it again…


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Margarita Studios & Apartments: Find photos, reviews, information, amenities and compare prices for 3 stars hotels in Moraitika, Greece.
Margarita Studios & Apartments is located in Moraitika and is close to the area's popular attractions. It features comfortable apartments with an en suite bathroom and a kitchenette.
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Guests of this 3-star property can plan excursions with the assistance of the tour desk. A gym is available to guests wishing to keep up their exercise regimes while away.
Margarita Studios has 7 apartments, all of which are fitted with a refrigerator and a shower.
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text: Levi's Gets Into iPod Picturetgrumet1/11/06 9:15amFiled to: Portable MediaAppleJeansLevi'sTopiPod1EditPromoteShare to KinjaToggle Conversation toolsGo to permalink This image was lost some time after publication, but you can still view it here. Yup, even a staid brand like Levi's has decided to partner up with Apple. Announced at MacWorld, the two companies are bringing us Levi's Redwire DLX Jeans, which they claim will integrate iPod plug and play technology. Basically, this means that there will be an iPod docking cradle built into the side pocket—which the company promises will be virtually invisible. Dunno how they plan on pulling that off, but ok (especially if anyone wears their jeans as tight as this guy). Also expect a special 4-way, joystick remote control in the watch pocket and a retractable headphone unit to manage earphone wires (not sure where that will be just yet). No photos of these stunningly high-tech jeans and no price, but they will be available for both men and women sometime this fall. Advertisement The Original Denim Brand Kicks Off the Next Revolution in Digital Music Storage; The Levi's(R) Brand Launches First iPod Compatible Jeans Worldwide [Businesswire]Gear from Kinja DealsMotorola is Throwing Everything They Have at AirPods With VerveLifeBestsellers: Anker PowerCore 20000Saturday's Best Deals: Finger Lights, Sugru, Massage Balls, and MoreReplyLeave a reply


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Symmetric RBF classifier for nonlinear detection in multiple-antenna aided systems
Chen, S., Wolfgang, A., Harris, C.J. and Hanzo, L. (2008) Symmetric RBF classifier for nonlinear detection in multiple-antenna aided systems. IEEE Transaction on Neural Networks, 19, (5), 737-745.
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Download (567Kb)
In this paper, we propose a powerful symmetric radial basis function (RBF) classifier for nonlinear detection in the so-called "overloaded" multiple-antenna-aided communication systems. By exploiting the inherent symmetry property of the optimal Bayesian detector, the proposed symmetric RBF classifier is capable of approaching the optimal classification performance using noisy training data. The classifier construction process is robust to the choice of the RBF width and is computationally efficient. The proposed solution is capable of providing a signal-tonoise ratio (SNR) gain in excess of 8 dB against the powerful linear minimum bit error rate (BER) benchmark, when supporting four users with the aid of two receive antennas or seven users with four receive antenna elements. Index Terms—Classification, multiple-antenna system, orthogonal forward selection, radial basis function (RBF), symmetry.
|Item Type:
|Divisions :
|Faculty of Physical Sciences and Engineering > Electronics and Computer Science > Southampton Wireless Group
|ePrint ID:
|Accepted Date and Publication Date:
|Date Deposited:
|02 May 2008 08:37
|Last Modified:
|31 Mar 2016 14:11
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Flamel Technologies SA (FLML) Q3 2009 Earnings Call November 11, 2009 8:30 AM ET
Stephen Willard - Chief Executive Officer
Siân Crouzet - Principal Financial Officer
Peter Butler - Glen Hill Investments
Matt Kaplan - Ladenburg
Good morning, and welcome to Flamel third quarter 2009 earnings conference call. All participants will be in listen-only mode. (Operator Instructions). After today's presentation, there will be an opportunity for you to ask questions. Please note this event is being recorded.
I would now like to turn the conference over to Stephen Willard, Chief Executive Officer of Flamel Technologies. Please go ahead.
Stephen Willard
Thank you very much, Nicky and good morning ladies and gentlemen. We open as always with the forward-looking statement language, which is set out at the conclusion of today's press release. All statements made on this call are subject to a variety of future events and risk factors, including those set forth in our filings with the SEC, particularly our Form 20-F, which are all publicly available. Please review them as they are directly applicable to every element of this call.
Our third-quarter results demonstrate our success in executing on our business model, which leverages our growing comparative advantage in drug delivery to develop multiple projects with leading partners while generating the financial strength we have been using to further develop our technologies and strengthen our balance sheet.
During the third quarter, we achieved significant technical and pre-clinical success in moving forward with our existing projects. We signed two further agreements during the quarter: one is a partnership with a leading pharmaceutical company and leverages the Medusa platform for potential application to multiple molecules; and the other is an agreement to use the Trigger Lock platform for a pain medication.
We also increased cash during the quarter to $48.8 million, up from $45.1 million at the end of the second quarter. This marks the fifth consecutive quarter in which we have increased our level of cash and marketable securities in constant currency.
The data from our ongoing projects continues to be quite positive. We learned last month that Pfizer had chosen to exercise the option to license the Medusa platform for an already marketed therapeutic protein that was in the Wyeth portfolio. This protein is being delivered using Flamel's Medusa technology in the intravenous setting.
We believe that this technology is extremely valuable and could be leveraged for further opportunities. These opportunities promise to address large markets as does the 2007 Wyeth, now Pfizer,3 agreement, and we expect that the upfront payments and milestone schedules will improve significantly given the strengths of the Medusa platform that we have now demonstrated.
I believe that we are opening a third chapter in the value proposition that Flamel technology provides. 18 months ago, many investors questioned our ability to maintain and grow our balance sheet. With the cash results obtained over the last five quarters, I hope that investors clearly see that we have a strong sustainable model, which is financially sound and sufficient to fully fund our organic growth.
Based on this track record of financial strength, the next step was to demonstrate the needs of large pharmaceutical companies for our technology, and our ability to bring them into partnership with Flamel over a diversified group of therapeutic agents, delivered in a multitude of ways, best suited to each molecule.
With the new projects which we have consistently announced over the last 18 months, I believe that Flamel is clearly recognized as providing superior drug delivery technology, which is of great interest to many of the largest pharmaceutical companies of the world.
Now, while we will continue to focus on financial strength and new business opportunities, many of our projects are progressing well through their technical development, and we hope that much of our focus going forward will be on our technical success and the opportunity that will give our partners to move these formulations closer to the market.
I'd now like to ask Siân Crouzet, our Principal Financial Officer, to please discuss our financial results for the quarter. Siân?
Siân Crouzet
Thank you, Steve. There are a number of elements that I wish to highlight from the third-quarter results. The first is the growth in the license and research revenue. As many of you are aware, we look at our license and research revenues closely as it is the lead indicator of the company's pipeline and the greatest catalyst that we are developing.
Our license and research revenues grew year-over-year during the third quarter by just over 50%. This growth is primarily a reflection of the work that we are undertaking with Merck Serono as well as with Pfizer, Baxter, and the remaining feasibility studies with various unnamed partners.
As for our remaining revenues, other revenues which are composed primarily of royalties from sales of Coreg CR amounted to $2.5 million compared to $3 million in the third quarter of 2008. Product sales and services consisting of the production of Coreg CR microparticle to GSK is decreased to $2.7 million compared to $3 million in 2008. As you are aware, sale of product is on a cost-plus basis and represent ongoing demand for the product from GSK.
The second element I wish to discuss, are our operating cost. Clearly, as our project pipeline build and projects advance into late-stage development, costs incurred on R&D activities increase. Its increase represents our need for sufficient resources to start with our external program and internal program, and the financing of pre-clinical activities to confirm our laboratory research.
On our external programs, these costs are generally financed by our partners. Our continued investments internal program in parallel with our external programs is key to the development of the next generation of our technologies.
Finally our cash levels, which have increased for the fifth consecutive quarter in the constant currency term. At the end of September, our cash and marketable securities was $48.8 million versus $45.1 million at the end of the second quarter.
Over the last year, our cash and marketable securities have increased almost 50%. The company has been able to achieve this during what is obviously a very difficult financial environment by executing its business model. This model has enabled the company to benefit from upfront payments than stretching our capacity to leverage our technology with multiple parties or multiple opportunities. Our financial results and the strength of our balance sheet make us well positioned to continue to succeed and develop numerous business opportunities.
With that, I'd like to turn the call back to Steve.
Stephen Willard
Thank you, Siân. As Siân pointed out, our license and research revenues during the third quarter increased more than 50% versus the prior year. This is the money our partners pay us to apply our technology to their molecules. I think it serves as an important indication of the increasing success we are having in attracting partners, and working to provide potentially superior formulations of a number of both existing therapies as well as new chemical entities.
These revenues include a portion of those that we are receiving from Baxter to work on certain drug factors pursuant to the agreement that we signed with Baxter in the second quarter. As many of you will recall, Baxter paid €2.5 million in technology access fee to Flamel, and will pay the full cost of the feasibility study on these drug factors. We began work immediately and are pleased with the progress that has been made thus far. We believe that this is an excellent project to showcase many of the outstanding advantages offered by the Medusa platform.
We've already seen through our work with Wyeth and now continuing with Pfizer that there is strong interest to create control release formulations of intravenous drugs. Reducing the frequency with which patients needs to undergo treatment is an obvious advantage, both with respect to patient convenience, but also with respect to the pharmacoeconomics involved.
It is costly to administer IV formulations. Also doctors in hospitals do not receive high reimbursement for administering the formulations. Furthermore, beyond the advances of fewer injections, we and our partners are investigating whether Medusa can confer certain other benefits for patients as well.
We've already seen some of these benefits with other molecules. For example, in many cases, Medusa affiliated molecules do not suffer from the aggregation that effects the same molecule in their unaffiliated state. Aggregation may be associated with immunogenicity, such that we may be able to address what is an important issue for many molecules. Those molecules that suffered from significant aggregation problems are typically shelved for obvious reasons.
We believe that Medusa may have a role to play in addressing this issue. Another threshold issue that the Medusa platform is able to address is low solubility. Here too, we now have data which demonstrates significant improvements in solubility that the Medusa platform offers to our partners.
Both of these issues, aggregation and low solubility can stop development of the molecule, but as partly for this reason that many of the projects that we are working on with the Medusa platform involve novel molecules. Many of these projects are advancing well, and we are pleased with the data that we have generated thus far. Of course, the work on these molecules is often more complicated than when we are working with already approved biologics. The data takes time to accumulate and there is usually further work that needs to be conducted before going into the clinic. There are also higher attrition rates to be expected given the untested nature of the molecules themselves.
Nevertheless, we are very pleased with the technical results that we have achieved. These results are significant in and of themselves to the extent that the molecules show promise. But they are also significant in attracting new partners. We have included slides in our newest corporate presentation available on our website under the Investor Relations tab that further elaborate on these advantages.
We attracted a new Medusa partner during the quarter for multiple molecules, we also engaged in negotiations for a variety of opportunities to use the Medusa platform with vaccines, which we believe is a potentially very attractive opportunity for the Medusa platform. The companies that we are negotiating with are among the top companies in this space, in keeping with the strategy that we have taken with many of our development agreements, such as the ones with Baxter, Merck Serono, and of course, Pfizer.
With respect to Micropump, we began work on development of a further Trigger-Lock formulation during the quarter, but it's possible that this could be one of the two Micropump opportunities that we believe could be on the market as early as 2011. Medusa projects have a somewhat longer regulatory pipeline, and depending on the aid of our partners, our hopes are that our formulations could begin to get to the market within a couple of years after that.
As you have seen over the past five quarters, we have been able to increase our cash as we worked further to develop our competitive lead versus alternative technologies. Creating additional royalty streams beyond Coreg CR, there is something that we believe could have a dramatic effect on Flamel's financial results, given that the company has no debt and only 24 million shares outstanding.
The successful future development of these opportunities together with the further advancement of the Medusa projects currently in clinical development, and the expected publication of data by our partners that would accompany these advances, all of these lead us to believe that they will further enhance confidence in our company and its technologies.
We had pursued a consistent strategy of seeking to develop multiple diversified revenue streams. We have built a strong business model, which allows us to fund our growth without dilution through our partnerships and other opportunities.
We have attracted many of the largest partners in the industry, and are working on many molecules with sales in excess of $1 billion a year each, plus we are actively involved with many of our partners' most promising new molecules, and we are generating the technical success to help move our formulation through the evaluative and regulatory processes with a view to getting these formulations into the market as quickly as possible.
With that, we would now be pleased to take your questions.
Question-and-Answer Session
(Operator Instructions). Our first question comes from Peter Butler of Glen Hill Investments. Please go ahead.
Peter Butler - Glen Hill Investments
I think you first mentioned, the commercial target dates for several molecules in a road show presentation in Boston, and I think since that time you might have added one or two on there. Could you expand on what you see now and maybe give us some assessment of the odds on what's going to become commercial in 2010, '11, '12, '13, et cetera?
Stephen Willard
Sure, Peter. Actually if you look back, you'll see that our first reference to potential date with regard to trying to get products on the market occurred on a conference call. I think it was two and perhaps three quarters ago. So the comments in Boston were following the conference call that was done publicly and no new information was released in the Boston Investor Meeting.
But we have talked about how we believe that if everything breaks our way and with the strong support of our partners, that we could have Micropump products on the market in the 2011 timeframe, and that we could have and there are more than one that could achieve that timeframe. With regard to Medusa, because of the longer regulatory framework, it could take another two or three years potentially but there are a significant number of projects that could fit within that timeframe.
So it's hard to give you percentages. One of the new metrics we're working on is trying to convey sort of project by project what is happening with each of our 21 programs. But putting a percentage on each of the programs is difficult because while we are extremely confident of our technical success based on our track record, even though we're taking on some very significant technical challenges, again, we're confident that we'll have a very high percentage of technical success, but whether the product gets to market and when will be within the control of our partners.
Now some of these products are very significant products for our partners in terms of their current revenues or in terms of their position at their very highest point of their research and development pipeline. So we hope those will move expeditiously, and we continue to try to work with our partners to continually look for legitimate ways to reduce timelines and get these products poised for the market as soon as possible.
Peter Butler - Glen Hill Investments
Are your projects with Baxter and Wyeth, are they your top priority projects now? What could we expect to see in the next couple of quarters, what's the timeline and what events are coming up?
Stephen Willard
Well, I think, first of all, all of our projects are important. Obviously, blood factor is still in excess of $5 billion or something like that, I think per year. So blood factors are obviously an important group of our projects. With regard to Wyeth, now Pfizer, we have successfully had three go/no-go decisions break in our favor during the time we've had that project with Wyeth. I would expect further go/no-go decisions for the development milestones with regard to both of those projects within the coming year, and potentially multiple go/no-go decisions with economics attached.
Our next question comes from Matt Kaplan of Ladenburg.
Matt Kaplan - Ladenburg
So it looks like now you've got about 16 Medusa projects and 5 Micropump projects ongoing. Could you give us a sense in terms of how many of the Medusa programs are IV versus subcu, it seems like you are getting a lot more traction on the IV side?
Stephen Willard
Sure. I'm simply trying to make sure I don't violate confidences of some of our partners. I can think of at least four molecules that are IV at this point. You obviously know that the technology was initially developed for subcu delivery. We're very pleased that at least four and perhaps a little bit more are involving intravenous delivery.
Of course, without talking about partnerships necessarily but rather talking about technology, one of our important internal focuses has always been the possibility of taking intravenous drugs, at least drugs that are administered intravenously now, and trying to deliver them subcutaneously. So that remains an important part of our internal development, and would obviously have positive impact in terms of existing or potential partners.
Matt Kaplan - Ladenburg
Then, you gave some detail in terms of the Pfizer Wyeth deal. Could you give us some more detail on that in terms of what was the Pfizer's decision in terms of go/no go decision, what was that predicated on, the recent decision? Then, I guess how can this be applied or can it be applied to the Baxter relationship as well, in terms of progress being made?
Stephen Willard
I think, yes. Obviously, we have made a real commitment to trying to increase the information flow from our partners. This decision by Pfizer occurred just at the time that the Wyeth acquisition was being consummated. So getting the attention of our colleagues at Pfizer to try to increase the information flow at this juncture was difficult, and so that's why we put out the information but we don't have a quote from Pfizer there. They are up to their eyeballs is in the integration of the two companies.
But I certainly hope that once things settle down there a bit, we will be able to persuade them to allow us to speak more. I mean, clearly, the success with any given project often leads to advances with other projects, and I think certainly the fact that after two years we've had success with the intravenous application of the Pfizer project, we'll clearly have application to other projects like Baxter and others.
Matt Kaplan - Ladenburg
You've spoken a little bit about the Micropump projects perhaps hitting the market in 2011. Previously, you've talked about an OTC product. Where does that stand in development right now, and is that one of the...?
Stephen Willard
That would be one of the ones that could potentially be on the market as early as 2011.
Matt Kaplan - Ladenburg
Then, just a overall question in terms of the vision for the company, what's your thoughts on continuing to be able to grow your cash balance in future quarters?
Stephen Willard
I think the trend is clearly positive. I'm not going to sweat it if we have one quarter that doesn't, five in a row does not necessarily mean that we have to do it every quarter for the rest of our lives. What is important is the trend. I mean, as I said 18 months ago, people thought we might be suffering a similar fate to other companies in our space. Many of which had to fold up or otherwise have faced great difficulty. I think we are very strong, I think we have clearly shown that we can robustly fund our own internal development as well as strengthening our cash position.
I think that the trends of the past are likely to continue although I would encourage people not to worry about how many consecutive quarters we can lock-up just along as the trends continues to be positive. I mean, as we pointed out, we have 21 projects.
As these projects continue through the process, we would expect the money from those projects or at least some of them to increase, which will contribute cash, we will continue to actively seek additional partnerships and licensing agreements that will contribute cash. We have shown creativity in leveraging other cash such as French government cash that is available with no strings attached, and so I think we will continue to be financially strong as we go forward.
Matt Kaplan - Ladenburg
Then just one final question and I'll jump back in the queue. In terms of the progress in the pipeline and of the projects that we know, could you give us an update on the Merck Serono and when we should expect some milestones there? Then some of your internal programs as well, you mentioned the French government funding, what's the status of the (inaudible) program?
Stephen Willard
I would expect within the next few weeks to put out a press release and hold a conference call with regard to dosing of the first patient in connection with that study, so I'd like to leave any real comments about that for when we are able to dose our first patients, but everything seems to be going quite well with that.
In the event that we do that conference call, we will try to give clearly detailed information about details of the study, number of patients, the number of arms, clinical endpoints that sort of thing. But I'd like to leave that for a few weeks, what we probably expect to be a few weeks time.
With regard to Merck Serono, it is progressing, particularly the largest project with them, it is going very well. I think you will see additional developments and payments certainly in the first half of next year.
We have a follow-up question from Peter Butler of Glen Hill Investments.
Peter Butler - Glen Hill Investments
I think I have asked before or mentioned before the need to maybe aggregate where we are in with all these projects, and to maybe have it all displayed on one page or two pages on the chart. Many, many companies do that in situations where they have pipelines and multiple projects. I think it could be very useful to allow investors to keep track of where we are on things and...
Stephen Willard
You have mentioned that, Peter. We think it's an excellent suggestion, and we have a slide in development right now with regard to trying to provide that information. We have a couple more issues to resolve with partners about what can and cannot be disclosed. But I agree with you that that's a helpful additional metric or slide or a way of expanding the company to investors and it is in the works.
Peter Butler - Glen Hill Investments
I guess on a less happy note, the stock prices are function of the fundamental story and how the story is communicated with investors. What we heard so far on the conference call is that the story is good, but the stock sure doesn't look like it.
I mean, the previous policies of the board and maybe OSS are not working, and the stock is sitting there, and we think the fundamentals are worth multiples of the stock price and yet the stock languishes. When you keep doing the same thing and it's not working but you're hoping for a better outcome, that doesn't say good things. I'm wondering whether the board and [Oscar Schafer] are maybe willing to look at new policies.
Stephen Willard
I mean, I think, clearly, none of us or at least the large chunk of us are not pleased with the way the stock has acted over the past week to 10 days. I would note that the stock is up 85% year-to-date, so that despite the disappointments of the last couple of weeks, for those who maintain a somewhat longer view, this is a stock that in the aggregate has been moving forward.
I think we continue to work on what is the best way of communicating our story because I think the technologies we have are extremely exciting, we had a tremendous amount of success. They are novel; they deliver novel results that cannot be achieved with other technologies.
Major pharmaceutical companies are actively embracing them. We have 21 projects that are moving forward at one stage or another. You are right, I think the fundamentals of this are very strong, particularly from week-to-week; we can have very disappointing weeks in terms of our stock price.
I think there is, certainly, the first cure is to continue to deliver success with regard to our science and our partners, to continue our strong cash performance, but also we need to investigate investor relations methods of conveying our story better. I would be the first one to say that that stock price is a very good way of evaluating my success or failure to-date with conveying the story, and I will work to improve it.
Thank you. This concludes our question-and-answer session. I'd like to turn the conference back over to Mr. Willard for any closing remarks.
Stephen Willard
Yes. Thank you very much, Nicky. I am very pleased with the way we've been developing over the past year to 18 months the financial success, the success in our business development, and as I said increasingly the technical and clinical success that we are beginning to show as our projects move through the regulatory and evaluative processes.
I think this is a time of great strength for Flamel and it's been getting stronger quarter-by-quarter. We hope that you will continue to give your attention to Flamel, and we look forward to speaking with you in the near future. Thank you very much for your interest in Flamel Technologies.
The conference has now concluded. Thank you for attending today's presentation. You may now disconnect.
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Odalys Residence Club Du Port Hourtin: Find photos, reviews, information, amenities and compare prices for 3 stars hotels in Hourtin, France.
Odalys Residence Club Du Port Hourtin provides 3-star accommodation in Hourtin. It is a popular choice for families in search of a seaside escape.
Hotel description
Résidence Du Port caters for families with children, providing a playground. The property's multilingual staff will be happy to share local knowledge and help organise itineraries.
Odalys has 190 apartments, all of which are filled with a variety of amenities to ensure a comfortable stay. There are also multiple apartments available for families.
Those staying at the property can start the day with breakfast each morning at Odalys Residence Club Du Port Hourtin before heading off to discover the surrounding area. There is also the added advantage of an on-site restaurant.
Bordeaux-Merignac Airport is a 75-minute drive from Résidence Du Port.
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text:
Playing For Change arose from a common belief that music has the power to connect people regardless of their differences. In 2005, a small group of filmmakers set out with a dream to create a film rooted in the music of the streets. Not only has that dream been realized, it has grown into a global sensation that has touched the lives of millions of people around the world.
When the crew set out, they created a mobile recording studio and went around the world filming musicians in the places where they lived. The sound was then mixed, and although the musicians were never in the same room—or even the same country or continent—they were unified through music with each contributing her or his distinct gifts to the whole. While traveling the world to film and record, the crew got to know the music and people of each community they visited. Those involved wanted to give something back to the musicians who had shared so much with them.
In 2007, the Playing for Change Foundation was established as a 501(c)3 non-profit organization created to inspire, connect, and bring peace to the world through music. Our mission is to create positive change through music and arts education. As one of our students in Nepal stated, "Music is an indispensable part of life -‐ you cannot live without music." We couldn't agree more. At the Playing For Change Foundation, we live our lives by this principle and apply it to everything we do.
Wondering what you can do to help us further our mission? Get involved or Donate
What We Do | Playing For Change Foundation
What we do
12 music schools and programs have been created in Bangladesh, Brazil, Ghana, Mali, Nepal, Rwanda, South Africa, and Thailand. More than 1,000 young people attend free classes in dance, instruments, languages and musical theory, all taught by qualified local teachers.
Projects also help meet essential needs of the larger community, including the provision of aid such as food, clean water, medicine, clothes, books, school supplies, solar energy, computers, and other modern technology. Over 15,000 people have been impacted by the Foundation's community development and empowerment efforts throughout our program regions and beyond.
Annual program evaluations reinforce the real and positive impact of music education and demonstrate change in action. When children play music together, collaboration increases and conflict is reduced. And critically important to children, particularly those who are vulnerable due to poverty, conflict, drugs, and neglect, is that learning music increases self-esteem and fosters resilience and joy.
Guiding principles
- Using Music to Transform Lives and Communities: Caring adults encourage discipline, joy and personal expression through music and arts programs. Programs emphasize tolerance and shared understanding as methods for solving problems.
- Connecting People and Communities: Cameras and other technology empower individuals and communities to tell their own stories. Children in different countries and schools learn about and get to know peers who live in dramatically different regions and circumstances.
- Economic Empowerment: We use local materials and labor when building; utilize local teachers and administrative staff and provide living wages; and create opportunities for earned income through performances, and creating costumes, instruments and art for sale.
- Local Leadership: Programs are led and affirmed by local village and community leaders.
Where we're going
In 2015 we more than doubled the number of students we serve by initiating new programs in Bangladesh, a network of charter schools in the United States, and in the community of Curitiba, Brazil.
In our ongoing effort to connect the world through music, our direction has been shaped by where we have been and by those who have inspired us along the way. With this in mind, we strive to:
- Continue progress and foster sustainability with schools currently in development
- Establish valuable partnerships and collaborate with other organizations
- Expand the opportunities and resources available to communities in need
- Be an access point for various forms of aid, including clean water, electricity, and medical resources
- Create positive change through music education
Who's behind it
Founder, Ex-Officio
Mark Johnson is a Grammy®-winning producer/engineer and award-winning film director... more
Whitney Kroenke has been a part of the Playing For Change family since meeting Mark... more
LisaBeth Weber brings her passion for making a difference in the world to the Board of... more
In 1998, armed with a B.A. in business from The Ohio State University, Raan moved west... more
Greg's lifelong love of music began as far back as he can remember, growing up with... more
Alan is an entreprenor from Brusque, Santa Catarina, Brazil. He graduated from Positivo... more
Gail has always been an avid music fan and when she saw the Playing for Change... more
Seema Tikare grew up as a nomad, having lived in Pondicherry, Goa, and Bangalore, India,... more
Ella met PFC Co-Founder Mark Johnson in Santa Monica in July 2012 with PFC Band members... more
Executive Director
John A. McKenna serves Playing For Change Foundation with the shared vision that music... more
Director, Finance and Programs
Thea Karki is a proud member of the Playing For Change Foundation (PFCF), she has been a... more
Director of Communications and Special Events
Shauna's lifelong passion for music began at a young age with lessons in piano, guitar,... more
Archivist / Asian Program Coordinator
William Aura's conscious dedication to global concerns has brought him over a dozen... more
Director of Business Development
Pete always had one of those cheap transistor radios attached to his ear as a small child.... more
Coordinator, African Music Programs
François has been an active member of Playing For Change since 2005. He first met... more
World Music Education Consultant
Dr. Craig Woodson is an educator, author, musician, consultant, and musical instrument... more
Playing For Change Day Coordinator
Kentyah is a DJ, producer, percussionist, aspiring writer and burgeoning pop culture... more
Donor Relations & Outreach Coordinator
Growing up in a family heavily involved in musical theater and performance, Ryan... more
Program Intern
Cherry started to serve Playing For Change Foundation as an intern in Fall 2016. She has a... more
Originally from Oakland, California, Khadejhia grew up with a love for music, but her... more
Co-Founder, Artistic Director & Percussion Teacher
Mohammed Alidu was born and raised in Tamale, into the Bizung lineage of talking drum... more
Keyboard and Theory Teacher
Frank is an Ewe man who has lived in Tamale for three years. In his youth, Frank started... more
Gonje Teacher
Abdul-Samed is a gonje musician, first learning this traditional horse-hair violin as a... more
Drum Teacher
A very talented drummer and teacher, Charles was born in Tamale on June 8th, 1992 to his... more
Drum & Dance Teacher
Suali teaches percussion and dance at the Bizung School. His natural authority and... more
Adam Abduli, or "Dallah" as he's known by his friends, is the nephew of... more
Ibrahim Samuel, or Mr. Sammy, as the students know him, was born on the 9th of December... more
Xylophone Teacher
Benedict Ali Kolaan is a music teacher and ethnomusicologist specializing in African... more
Guitar Teacher
Prince Mahama is something of a living legend in Northern Ghana. During the 1980s he was... more
Creative Director and Percussion Teacher
Mahamadou Diabaté is a Malian musician and descendant of a griot family that has played... more
Head Administrator
Seydou is an English teacher and school administrator in Bamako, Mali. He began working... more
Dance Teacher
Oumou is a singer and a dancer living in Bamako, and has recently been performing and... more
Percussion Teacher
Seydou Koné is a master djembé player who lives in a village located 14 km from Kirina.... more
Kora Teacher
Ladji Diabaté is a renowned kora player and teacher in Mali. He is the brother of Toumani... more
Tama & N'goni Teacher
Mountaga Sissoko is a Malian musician born in Bamako in 1966. He is the son of Bazoumana... more
Percussion Leader
Karim Diabaté is a Master "Djembéfola" and leader of Kirina's percussion band that lays... more
Balafon Teacher
Karounga is the son of Keletigui Diabaté, one of the greatest balafon (traditional... more
French Teacher
French teacher and assistant for the school's recently launched educational support... more
Sound Engineer and Editor
Bagoré aka Mande Follo is an artist, musician and sound engineer from Bamako, Mali. He... more
Ishor Bajracharya has been involved with the Playing for Change family since Mark Johnson... more
Music Teacher
Nitesh has been teaching guitar and vocals at the Musica Music Institute since 2013. He is... more
Music Teacher
Dinesh has been a music teacher at the Musica Music Institute since 2005. Dinesh has... more
Music Teacher
Shilu has been teaching music at the Musica Music Institute since 2012. She has a masters... more
Music Teacher
Dibin has been teaching music at the Musica Music Institute since 2013. He has been a... more
Music Teacher
Manesh is one of the founders of the Musica Music Institute in 2004. He is proficient in... more
Drum Teacher
Ashim has been teaching drums at the Musica Music Institute since 2012. He has performed... more
Founder, Mitrata Nepal
Nanda Kulu has been helping underprivileged children and orphans for over 15 years. Her... more
Percussion Teacher
Master percussionist Rameshowr comes from a deep-rooted musical family. Well loved by his... more
Sarangi Teacher
Kiran plays sarangi for the renowned group Kutumba. He teaches disadvantaged kids at the... more
Fundraising and outreach manager
Roberta started on the PFC Brazil team in 2014 as a volunteer and now that the Cajuru... more
Head Administrator
Virginia has been with PFC since the beginning of the Cajuru Music Program. She holds a... more
Music Teacher & Educational Supervisor
Cesar has been a professional musician since 1990. He plays a variety of instruments... more
English Teacher
Born in Curitiba, Leandro has a degree in Music from the University of Parana and... more
Ezequiel works as a Maths teacher at Star School. He administrates and assists the music... more
Traditional Dance and Drumming Teacher
Emmanuel is a wonderful teacher and a skilled artist. Born in Kigali, he directs the... more
Music teacher
Robert was born in Kigali to a musical family and started to play music at a very early... more
Sports Educator
Emmanuel is a sports educator specialized in volley ball and soccer. more
Program Co-Founder
A musician since the age of eight, Gigi arrived in Bangkok from France in 2009 and first... more
Program Co-Founder
After realizing that she loved music at an early age, Amm began learning guitar at the... more
Music & Vocal Teacher
Heart started playing music at the age of 9. He started with drums but at that time he... more
Guitar Teacher
Aum started to learn music when he was 12 years old. He graduated from Bansomdejchaopraya... more
Music teacher - Program administrator
Tuhin is a singer and guitar player from Mirpur, Dakah, Bangladesh. He has been our main... more
Keyboard teacher
Rakib is a keyboard player who assists our main teacher Tuhin Asad and provides elementary... more
Poppy is an actress and teacher from Gugulethu, South Africa, who administrates our... more
Saxophone Teacher
John is from Gugulethu and has been a respected musician in the area over the past 40... more
Music theory and saxophone teacher
Duke is a musician and a graphic artist from Guguletu who like our other teacher John... more
Born and raised in Pittsburgh, PA, Margie Balter was bitten by the showbiz bug at a very... more
Stacie joined the PFCF board to marry two of her passions -- music and nonprofits. A... more


text:
Amiga Forever Essentials for Android installs officially licensed system ROM files to run Amiga OS versions 1.2, 1.3, 2.04, 3.0 and 3.1 in emulated computers like the Amiga 500 and Amiga 1200. Bonus content like Workbench 1.3 and First Demos disk images allow you to enjoy memorable classics such as the 1984 Boing demo.
Amiga Forever Essentials unlocks the potential of different Amiga emulation apps designed for Android, making it possible to play thousands of Amiga titles. We worked together with the developers of UAE4All2, UAE4Droid, AnUAE4All, Omega 500 and other apps to make sure that Amiga Forever Essentials system content is autodetected (no manual file copying or configuration needed). At least one of these apps is required to start an Amiga emulation session.
After installation, run Amiga Forever Essentials to copy or update the Amiga system files.
Perfect!! It works as it should, the negative reviews are from people not fully understanding it, the kick roms are in there, you just need to properly locate them. Go on YouTube and type in amiga android emulator, the top vid shows two guys using this and uae4all2, full instructions on how to use and where to locate files. You can have it up and running in 5 mins. Well worth the money and I very rarely buy apps!
I am stuck here , there is no ROMs in the folder . This means when I point UAEall2 to that directory there is no data. The directory is (/storage/emulated/0/Android/data/com.cloanto.amigaforever.essentials/files)
Cloanto I've used many of Cloanto products both on Amiga and Emulation. Just what I needed to get an Emulated Amiga running on my mobile, Keep improving it and hopefully one day Amiga will rise again.
ROM files not in the directory The demo and workbench ADF files are there and they work, but the ROM directory is empty. Issue shows up using both Omega 500 and UAE4All
I bought this for use on Nvidia Shield TV, but it won't install on the Nvidia Shield TV. It says it's not compatible, which it didn't tell me before purchase. Now I have to borrow an Android phone to download and attempt to transfer the files manually to the Shield.
Legal & Cheap! I don't really need to say any more than that! Just buy it! :-)
What's New
Improved instructions to help locate installed ROM and OS files. If an emulation app won't work, or if you have trouble finding the files, launch Amiga Forever Essentials, select "Show Installed Amiga ROM and OS Files" and double-check the location displayed in the last line.
Added higher-resolution icons.


text:
410 N 300 W Huntington, UT 84528
Hi, Blueroof .com.
My name is
and I have a question about 410 N 300 W Huntington
You can respond by either emailing me at
or call during
My Question Is:
Estimated Monthly Payment$5,051
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- Status: Pending
Listing courtesy of Bridge Realty
Excellent newer rambler home,complete with 5 bedrooms, 2 baths (3 bedrooms on the main level, 2 bedrooms in the basement, 2 main level baths and roughed in for a 3rd bath in the basement). Open living, dining, kitchen,family room. Beautiful kitchen cabinets, including an island. Large master with walk in closet and en suite bath. Sold as-is. Please provide proof of funds and or mortgage approval letter with any offer.
Interior Features Include:
Bath: Master
Basement Full
Fireplaces 0
Air Cond: Central Air; Electric
Heating: Forced Air, Gas: Central, >= 95% efficiency
Floor Type: Carpet, Laminate
Exterior Features Include:
Double Pane Windows, Porch: Open
Acreage: 0.2700 Acres
Lot: Curb & Gutter, Terrain: Grad Slope, View: Mountain
Roof: Asphalt Shingles
Exterior: Frame, Stucco
Patio/Deck: 1 Patio 0 Deck
Garage/Parking: Attached, Opener
Driveway Concrete
Garage Capacity: 2
Other Features Include:
Amenities: Electric Dryer Hookup, Gas Dryer Hookup
Water: Culinary
Utilities Gas: Connected, Power: Connected, Sewer: Connected, Water: Connected
Storage Garage
Taxes 1545
School District: Emery
Information deemed reliable but not guaranteed accurate. Buyer to verify all information.The multiple listing information is provided by Wasatch Front Regional Multiple Listing Service, Inc. from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2014 Wasatch Front Regional Multiple Listing Service, Inc., All Rights Reserved. The information provided is for consumers, personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.


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Hi! My name is Knucklehead
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2 posts tagged with dc by kipmanley.
Displaying 1 through 2 of 2.
Fuckin' nerds. How do they work?
Abhay Khosla reviews comics for the Savage Critics. —In April of 2008, he posted "Why Do Nerdy Things Work? Abhay Rereads Blue Beetle, Episode I," the first post in an "irregular, multipart series" that ended up being about much, much more than the John Rogers era of the most recent retooling of the Blue Beetle. [more inside]
...Electric Boogaloo
"Well, it seems to be happening a lot sooner than I thought. I understand now that this [is] considered a pet project of Dan DiDio, SVP-Executive Editor. That he is determined to impress new bosses by building on DC's biggest selling comic book of all time with multiple prequel comic miniseries and spinoff ongoing projects." [more inside]
Page: 1


text:
Chasson Randle's 21 points led four players in double figures as Stanford overwhelmed South Dakota State, 92-60, on Sunday night at Maples Pavilion in a regional game to conclude the Progressive Legends Classic.
The Cardinal put the game out of reach with its best first-half performance in six years. Stanford built a 58-24 halftime lead, its most points in any half since ambushing Harvard, 63-28, over the first 20 minutes on the way to a 111-56 rout back on Nov. 8, 2007.
Anthony Brown added 19 points and Josh Huestis pitched in with 13, as both finished two rebounds shy of notching a double-double. Stefan Nastic chipped in with 10 points, making all four of his attempts from the field and finishing 2-of-3 from the foul line with three rebounds.
Stanford also played smothering defense, limiting South Dakota State (3-6) to just 33.8 percent shooting overall and a 6-25 mark from three-point range. The Jackrabbits were also forced into 15 turnovers.
After scoring the first 13 points of the game, Stanford extended its lead to 30-9 following a layup from Robbie Lemons midway through the first half.
Leading 33-17, Stanford embarked on a 25-7 scoring run to close out a first half that featured 66.7 percent (24-36) shooting.
The Cardinal's biggest lead of the game was 39 points, moving in front 67-28 following a pair of free throws from Randle with 15:42 remaining.
All five Stanford starters played less than 30 minutes while 11 players total saw action off the bench. The Cardinal was without the services of Aaron Bright (shoulder) and Grant Verhoeven (hip).
NOTES: Head coach Johnny Dawkins notched his 100th career win. Dawkins joins Mike Montgomery (393), Howard Dallmar (256), Everett Dean (167) and John Bunn (108) as the only coaches in school history with 100 victories on The Farm . . . Stanford has scored 50 points in a half four times already this year. The Cardinal accomplished the feat only twice in 34 games last year . . . Randle registered his third 20-point game of the year and 13th of his career. Randle also moved past Terry Taylor into the school's top-10 for career three-pointers made (157) . . . Huestis finished with four swats, increasing his career total to 142 and ranking fourth in school history. His next target is Curtis Borchardt at 146 . . . Stanford improved to 68-24 at home and 58-19 against nonconference opponents under Dawkins . . . The Cardinal matched a season high with nine steals, three coming from Randle . . . The Cardinal received 20 points from its bench. Marcus Allen established career highs in points (7) and rebounds (5), Wade Morgan converted the first of two free throw attempts for his second career point while Jack Ryan knocked down his first career three-pointer . . . Stanford and South Dakota State were hooking up for the first time on the hardwood . . . The Jackrabbits fell to 0-11 in the state of California as a Division I team, including 0-4 this year . . . Stanford returns to action on Saturday, Dec. 14, hosting UC Davis at 5 p.m. in the second half of a doubleheader after the women square off against Gonzaga.
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Lock your Mac from your Dashboard
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Padlock is a little widget which allows you to lock up your mind just with a double click.The application also allows you to put your Mac to sleep, in case you want to make best use of your battery and give your screen a rest.
Padlock comes in five different colors: black, green, red, blue and violet.Watch out when using it as you can end up accidentally locking up your Mac when just trying to press the info button (located at the bottom right, just like in most widgets). All in all, Padlock is fairly basic, but it will surely come in handy if you don't want people getting access to your Mac. A double click and it's locked.
Before using it, make sure you know your password though, as otherwise you could be in for some surprises.Padlock is a useful little widget to lock up your Mac and put it to sleep with a double click.
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text:
Burgers are one of people's favorite foods. Who doesn't love a juicy burger with all the toppings? Going veg doesn't mean that burgers are off the menu. On the contrary, vegan burgers are delicious. When it comes to veggie patties, the choices are endless, but sometimes they can be a challenge. No one wants a burger that's dry, bland, or tastes like it's just made from nuts and seeds. Taking the meat out of the burger doesn't have to mean taking the flavor out. I love making vegan burgers – some with beans, others with vegetables you may not expect – and each one is amazing. They each have their own personalities with their own ingredients, their own toppings, and their own condiments. With a few pieces of advice, you can make your own incredible vegan burgers and believe me, no one will miss the meat. Here are some tips on making your veggie patties full of flavor:
1. Saute the Veggies Before Adding Them
Lots of veggie burger recipes include chopped carrots, celery, bell pepper, onions, and garlic. After all, it's a veggie patty; you have to have some veggies in it. But if you just add those veggies raw, you'll miss out on most of their aromatic potential. Saute the veggies in a bit of oil first (or water) until they are softened and golden. Then add them to the burger mix. Not only will you get all the delicious flavor of those sautéed veggies, but you'll be sure they are fully cooked when you bite into your burgers.
2. Season, Season, Season
Whatever the ingredients are in your veggie patties, make sure you add a good amount of seasoning – maybe more than you think. After all, the mix probably makes 4 – 6 burgers so don't be shy about adding a tablespoon of each spice you are using. Use your favorite spices and herbs to flavor up your patties. Think about the flavor profile you are going for with your burger. Are you making an Asian Black Bean Burger? Use ginger, garlic, and 5-Spice Powder. Are you making a mushroom patty? Mushrooms love thyme. Is it an Italian-themed patty? Add oregano, basil and garlic. Don't be shy about the spices. You can taste the mix before you cook it (one of the many benefits of veggie patties) to make sure the spices are to your liking.
3. Use a Variety of Ingredients
You can make a veggie patty out of almost anything so think outside the box when coming up with your recipes. Mushroom burgers are incredible as are black bean burgers but have you ever tried an eggplant burger? They are amazing! You can make patties out of beets, chickpeas, kidney beans, black-eyed peas, or lentils. And of course, you can make seitan, tofu, tempeh, or TVP burgers. The possibilities are endless.
4. Use Flavorful Liquid Ingredients
The dry ingredients in a burger aren't the only ones that count. Liquid ingredients are added for moisture but that doesn't mean they can't also add flavor. Tamari or soy sauce is a common ingredient but for a change in flavor, try vegan Worcestershire sauce or some balsamic vinegar. They can add complex notes that will make people wonder what magic you worked.
5. Dress It Up with Condiments
We are long past the day when the only condiments for a burger were ketchup, mustard, and relish. If you go through all the effort to make a flavorful veggie patty, don't skimp out on the condiments. It's easy to whip up a horseradish-dill aioli or mix some ketchup and vegan mayo together with some balsamic vinegar to make a super-tasty topping.
With these tips, you will never think of veggie burgers as boring or tasteless again. The possibilities are infinite and you can create vegan burgers that are juicy, flavorful and mouthwatering. Try these amazing vegan veggie burger recipes:
1. Quinoa Veggie Burger
2. The Vegan Eggplant Crunchburger
3. Quinoa and White Bean Burger
Lead image source: Mushroom, Beet, and Blackbean Burger