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Helping the Feds Crack Down on Online Fraud
In July, with recommendations from FBI and Secret Service agents,
He also began working with law enforcement, not only educating FBI and Secret Service agents on how crimes were committed, but also helping to track down the criminals and helping with take-downs.
"He's an outstanding resource for the FBI," said Dale Miskell, supervisory special agent with the FBI's Birmingham Cyber Crime unit, who has worked with Warner since 2005.
Miskell said Warner has helped the FBI with investigations and taught staff about his anti-phishing techniques.
"He could be a multi-millionare by his skillsets... he's a very gifted speaker, he can talk to the techies, and then he can turn around and talk to the non-techies and everyone will understand."
Warner is now focusing on fighting cyber-crime full-time and on training a new generation of network forensics investigators. "You wouldn't believe the looks on their eyes the first time they got an email back from a Webmaster saying, 'Thanks for letting me know. I just shut that down.'"
When he spoke with IDG News, it was five days after final exams at the University of Alabama at Birmingham and though it would have no effect on their marks, four students were still coming into the labs to help shut down phishers.
"That idea that as a private citizen, you can help, that's the kind of thing we're trying to inspire," he said.
The Future of Phish-Busting
At the University, Warner is building up a 256-node supercomputer which could eventually become the largest collection of spam email on the planet, processing as many as 100 million email messages per day and providing researchers and law enforcement with valuable analysis data.
For Warner, the work isn't so much a job, as it is his moral responsibility as a computer scientist. "One of the things that really bothered me from the very beginning was people who were using my field to attack other people," he said. "The way I see it, this is our Internet. I'm going to stand at the end of my driveway and protect what's mine."
He says that his anti-phishing work hardly feels like work at all. "This is what I like to do," he said. "It's cheaper than golf, and you can do it when the weather's bad."
What You Can Do to Protect Yourself
"The best people that help law enforcement have no motive other than to catch the bad guy," said one law enforcement official who declined to be identified because he hadn't been authorized to speak with the press.
But even if you're not a cyber sleuth, if you get hit by a computer criminal there are some things you can do to help police catch the criminal. What you should do depends a little bit on the crime. If you're the victim of identity theft, it's worth filing a report with state and local police so that you have a record of the crime.
That comes in handy later, in case you need to prove that it was the thief, and not you, that incurred any subsequent charges. Another good place to stop is the Federal Trade Commission (FTC) site, which has a variety of tools to help identity theft victims get organized and set their credit back on track. And if things get really bad, the Social Security Administration can help you, too. This site has instructions on how to report social security fraud and get a new social security number.
You can file a report with the FTC, but if you want your data to be used to catch the bad guys, the Internet Crime Complaint Center (IC3) is a better bet. Run in part by the FBI, the IC3 data is used regularly by law enforcement to link together large schemes. The more factual data you can report about your crime, the more useful it will be to police. Sometimes a single fax number or eBay ID can help crack open an entire case.
The FBI is most interested in crimes that involve malicious software, phishing, and child pornography. Spam and auction fraud get a lower priority and, worse, if you're the victim of an auction fraud, the odds of you ever getting your money back are very low.
Still, if you're rigorous about documenting the crime, and you fill out that IC3 complaint, you just may be helping to bring down your criminal -- some day.
Tomorrow: Part Two of Our Three-Part Digital Vigilantes Series
The story of how a mild-mannered software developer from San Antonio, Texas,
(Nancy Gohring of the IDG News Service contributed to this story.)

subset: commoncrawl


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- thrivingly
- adverb see thriving
New Collegiate Dictionary. 2001.
New Collegiate Dictionary. 2001.
Thrivingly — Thriv ing*ly, adv. In a thriving manner. [1913 Webster] [1913 Webster] … The Collaborative International Dictionary of English
thrivingly — adv. via a flourishing progress … English contemporary dictionary
thrivingly — thriv·ing·ly … English syllables
thrivingly — adverb see thriving … Useful english dictionary
Bravely — Brave ly, adv. 1. In a brave manner; courageously; gallantly; valiantly; splendidly; nobly. [1913 Webster] 2. Finely; gaudily; gayly; showily. [1913 Webster] And [she] decked herself bravely to allure the eyes of all men that should see her.… … The Collaborative International Dictionary of English
thriving — adjective Date: 1604 characterized by success or prosperity < a thriving business > • thrivingly adverb … New Collegiate Dictionary
thrive — thriver, n. thrivingly, adv. /thruyv/, v.i., thrived or throve, thrived or thriven /thriv euhn/, thriving. 1. to prosper; be fortunate or successful. 2. to grow or develop vigorously; flourish: The children thrived in the country. [1150 1200; ME… … Universalium
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Juan Reus Biography
|Juan Reus Parra was born in 1912 in Valencia, where he became a well-known painter, draftsman and graphic designer of bullfighting posters. Orphaned at birth, he went to school till he was seven years old, then started working as an apprentice in a hardware store, where he met the painter Constantino Gómez who aroused his artistic vocation. Still a youth, he entered a silvercraft workshop where he was recommended because of his draftsmanship to the painter Ruano Llópis, who became his first art teacher. Later, he went to work in the decorative fans shop of Balbino Giner and also held his first exhibition in the bazaars of Prats and Collado in Valencia. In the forties, he was hired as a designer of bullfighting posters in the lithographic workshop Ortega where he met Roberto Domingo, who became his teacher and model. A brilliant example of the characteristic work of perhaps the most renowned bullfight artist, Juan Reus Parra.


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Unconventional warfare operations, in the irregular partisan sense of the term, are really nothing more than conventional, small-unit operations, conducted by irregular forces. To that end, most of what the individual survivalist needs to learn in regard to security training can actually be discovered by looking at the advances made in training the conventional light-infantry fighter over the course of the Global War on Terror (GWOT) and the decades preceding it.
In the mid-1990s, the 75th Ranger Regiment looked at historical lessons learned in then-recent campaigns like Panama and Somalia, and re-prioritized the Regimental training program. The lessons they learned and developed are particularly well-suited for the irregular partisan security group if you accept my opening statement above as the ground truth that it is. In the case of the Ranger Regiment, despite the high-speed cool guy missions, the underlying philosophical statement has always been, "We are many things to many people, but basically, we are light infantry." The Regiment uses conventional light infantry tactics, techniques, and procedures (TTP) to conduct special operations missions, even today. Successful irregular partisan combat elements have historically done the same thing. That's the kernel of reality that many would-be "guerrillas" need to accept at a gut level. Stop wasting your time trying to come up with some ingenious alternatives to basic infantry skills. Stick with the fundamentals. They're called fundamental because…well, because they are fundamental!
There's really nothing new under the sun, and learning traditional, classic light infantry skills and methods is the key to successful small-unit warfare, regardless of whether you wear a uniform or not. Raids and ambushes are conventional light infantry skills, just like they are the bread and butter of guerrilla forces.
As they did their aforementioned historical analysis, the Regiment looked at all of the possible contingencies they might be expected to perform and quickly realized, regardless of the unit's status as "the finest light infantry force in the world," there was no way on God's green Earth to possibly master every single potential task. Instead, it made far more sense to focus on a few critical skills that transcended most or all potential tasks, and truly master those. Today's survivalist, concerned with the need to effectively utilize violence to protect his family and community, suffers an even tighter limit on time and resources available, since the taxpayer probably isn't footing the bill for your training.
Instead of trying to master every single skill set out there, focus on the fundamentals that will cover as many potential scenarios as possible. Specialization may be for insects, but a mastery of a few-multidimensional skill sets will serve you much more effectively than a shallow sip of tepid water from a broad variety of disparate skills.
In developing their analysis, the leadership within the Ranger Regiment realized there are four basic pillars to individual combat effectiveness. Unless these four areas are mastered, the individual on the battlefield will not be able to perform his part in any real world combat scenario effectively. Mastery of these four areas though, allows you to adapt them to perform any task successfully.
Those four pillars are Physical Conditioning, Marksmanship, Trauma medicine, and Battle Skills/Drills.
In the following articles in this series, we will discuss each of these briefly, in order to determine what we need to accomplish in each area to consider ourselves proficient in basic small-unit security skills.
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Makes perfect sense. As with pretty much everything,the best way to master the skills needed is to learn them by the crawl,walk,run technique.
The PT part shouldn't even need to be mentioned though,anyone who has their head out of their ass knows by now that without PT-you ain't in shape-if you aint in shape-you can't train effectively-if you can't train effectively-you don't learn effectively-if you don't learn effectively-why are you training in the first place?
The point is you have to be in the best physical shape you can be in. That's not going to be the same for all people,some are naturally stronger,faster,more coordinated.
Some are young,some are middle aged,some are old.
We all need to learn these skills,master them,and be able to teach them to others if we have to.
I also believe in cross-training people so that any one person can take any persons place on the team and be able to do the job.
Outside of the 4 pillars-everyone has a skill that others do not have,or have not mastered. Those are the guys we find,and have them teach at least the basics to the rest of us.
A lot of what we learned came from a Ranger Staff Sgt.- who went back to Ca,after he got divorced. He was here long enough to teach the basics to us-pretty much like your 4 pillars.
By the way-sleeping in a ranger taco when it's below freezing sucks-no matter who you are.
I think you should do two versions of these posts-one for here-and one for your old site where you freely use your propensity for the word f*ck.
"Those four pillars are Physical Conditioning, Marksmanship, Trauma medicine, and Battle Skills/Drills."
No comms training?
[…] original post: The Four Pillars of Individual Proficiency | Forward Observer Magazine […]
[…] wild mat and find a nice lady who previously rolled with the Mongols.Barring that,my boy Mosby, at his excellent blog, will set you on the path to […]


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London//United Kingdom//1952
Rosalind Franklin was born in Notting Hill, London, and graduated from the physical chemistry department at Newham College in Cambridge. After studying X-ray diffraction in Paris, she began working on DNA fibers at King's College in London alongside Raymond Gosling and Maurice Wilkins in 1951. Although these scientists were working on separate projects, they were still involved in the same type of research and shared their results.
Franklin created an X-ray diffraction image of DNA which was named Photo 51 that led to the identification and discovery of DNA's double helix structure. However, her colleague Maurice Wilkins showed it to American biologist James Watson without her permission. Watson and his research partner Francis Crick then constructed their own DNA model in their lab, based on Franklin's work. They published their results without giving much credit to Franklin. Without her research, Watson and his team would not have been able to come to their conclusions so quickly.
Franklin embarked on other research projects but was diagnosed with cancer in 1956. She died less than two years later, which made her ineligible for the Nobel Prize in Physiology or Medicine, won by Watson, Wilkins, and Crick in 1962.


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Caged Combat
Caged Combat - Mixed Martial Arts (MMA) Event on November 15, 2008 in Houma, Louisiana USA
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Miracle a lasting memory
Catching up with Dave Silk
NORWELL -- Do you believe in miracles?
That's exactly what Al Michaels asked in one of the most famous calls in sports history. In the 1980 United States Olympic Hockey team upset the heavily favored Russians 4-3 in the semi-finals during the Olympics in Lake Placid, New York.
One of the members of that team was right winger Dave Silk, a former hockey standout at Thayer Academy in Braintree, Mass., and Boston University.
"It was such a huge upset that you couldn't help but be excited and be thrilled for what we had accomplished," said Silk about beating the Soviets. "In the back of our minds we knew we still had one more game left. As excited as we were to beat the Soviets we still knew we had a little bit more work to do."
The US team then went on to defeat Finland 4-2 in the championship game to win what is arguably the most famous gold medal in US Olympics history. Silk then had the opportunity to hear his National Anthem.
"It's indescribable," said Silk of the moment. "It's something so far-fetched that I never dreamed about being part of a gold medal hockey team. To actually be there was like an out of body experience. You had to pinch yourself, is this really happening?"
After the Olympics, Silk enjoyed a seven-year career in the NHL from 1979 through 1986, including two season with the Boston Bruins from 1983-85.
"That was a dream come true because I had always hoped to play for the Bruins someday," said Silk. "That was great and there is nothing like playing in the Garden. I had played there in the Beanpot, so I knew the Garden, but there's still nothing like putting on a Bruins jersey and playing in the Garden."
Silk also suited up for the New York Rangers, Detroit Red Wings and Winnipeg Jets during his career.
Silk currently resides in Norwell with his wife Anna and daughters Sara, 15 and Kyla, 12. He works in the investment business as a managing director for Bear Stearns Asset Management.
"I am just coming on board with them right now," said Silk. "I think it will be great. The firm has been around a long time and they understand the market, which I have been in for a long time. It seems like a good fit."
Outside of work, Silk loves to play golf and sports a 10 handicap.
"It's a great place to compete," said Silk about golf. "It's outside and you can learn an awful lot about a person in four and half hours out there."
Once again, with the release of Disney's "Miracle" the 1980 US Olympic Hockey team is in the spotlight. Ironically, it's a local actor, Peabody's Bobby Hanson, who plays Silk on the big screen.
"It's a little daunting (seeing someone play yourself on the big screen)," said Silk. "But, Bobby Hanson did a great job. I think it's a wonderful movie and it's great. I think it is a fun movie to take your family too."
More than 20 years later, the 1980 Olympic Hockey team continues to play a major part of Dave Silk's life along with the millions who shared and watched the experience.
"It was an amazing event and looking back at it now the excitement of the moment, the exhilaration of the moment has given away now to a fascination with the story that has had legs all these years," said Silk. "I now consider myself really fortunate to have played with those guys and been a part of such a huge accomplishment."
If you would like to hear where a former New England Sports Star is these days, please e-mail Jon Goode at email@example.com


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Gwen has a fun-loving attitude towards everyone and everything she comes in contact with. Spend any time in her presence and you will know she's someone who will make you feel good just being around her. Her writing is the same way, from her short stories to her full erotica books, Gwen weaves her tales from her fertile imagination, mixed heavily with her own life experience (Makes me want to spend a long weekend with her, heh). She has some of the most sexually provocative stories you will ever read in a variety of plots and settings
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Like all her books Gwendolyn Cummings pulls you in with a good story, all the sex is just extra bonus material. Melissa needed what we all need some good loving and it came in the form of hot and sexy Patrick, both have been heart broken before but it seems that they were just made for each other.
(reviewed the day of purchase)


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I see that this is marked as a nice feature to have, which means that it was not rejected and that as soon as there is time this will be implemented.
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I have done next before.
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job creation and economic development, the Alabama Development Office, the expansion of existing industry, and other matters relating to economic growth. The Committee on Job Creation and Economic Development shall not exceed 11 members. This Committee is formed from a merger of the former Committee on Economic Expansion and Trade, and the Committee on Industrial Development and Recruitment
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"Rerun" van Pelt (his real name is never stated) is the younger brother of Lucy and Linus from the newspaper comic strip Peanuts. He was born during a 1972 storyline in the strip, in which Lucy throws Linus out of the house but then allows him back in after hearing that they now have a new baby brother. His nickname comes from a comment Lucy made, saying that getting another little brother was like watching a television rerun. Following his introduction, Rerun was mostly seen as a nervous back-seat passenger on his mother's bicycle when she went riding during the remainder of the 1970s. He rarely appeared in the strip during the 1980s, but eventually became a regular character in the 1990s.
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Trent Matthews talks about the 4 turnovers Colorado State caused in the Border War.
The Rocky Mountain Collegian is the student run source for news and information on the Colorado State University campus.
By Brett Kennedy Leave a Comment Filed Under: Football, Sports, Video Tagged With: Border war, Colorado State, Colorado State football, CSU, Trent Matthews, Wyoming Cowboys Football
Trent Matthews talks about the 4 turnovers Colorado State caused in the Border War.
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|<< Previous book
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Knives and Nuptials(2014)
(The third book in the Wendy the Wedding Planner Cozy Mystery series)
A Novella by Cindy Bell
Wendy is planning a wedding for Anne, a lovely, young bride. She is doing everything she can to make the day special and things are coming together perfectly. But then Wendy meets Anne's meddling, rude and controlling future mother-in-law, Celeste. Wendy is shocked that she is so mean and manipulative, but Anne seems to be taking it in her stride and tries to appease Celeste as much as possible as her main priority is getting married. But when a member of the wedding party is found dead everything points to Anne as the murderer. Wendy believes that she is innocent and she enlists the help of her friend, hunky Private Investigator Brian, to prove Anne's innocence. With the suspects piling up, but Anne still the police's primary suspect, Wendy and Brian struggle to find the real murderer. Or is Anne really the culprit?
Genre: Cozy Mystery
Genre: Cozy Mystery
Similar Books by other authors...
Shortbread and Sorrow
(Peridale Cafe Cozy Mystery, book 5)
Agatha Frost
Espresso and Evil
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Agatha Frost
Macarons and Mayhem
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Agatha Frost
Used availability for Cindy Bell's Knives and Nuptials
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Paperback Editions
December 2014 : USA Paperback
|Title: Knives and Nuptials (Wendy the Wedding Planner) (Volume 3)
Author(s): Cindy Bell
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Publisher: CreateSpace Independent Publishing Platform
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|Title: Knives and Nuptials (Wendy the Wedding Planner Cozy Mystery Book 3)
Author(s): Cindy Bell
Availability: Amazon Amazon UK Amazon CA
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This should not be an issue, the form should be displayed the same does not matter the number of pages where you have embedded the form.
I checked the link you shared and I can see the form embedded there is working responsively.
May we get the all the links where you form is embedded?
I would also suggest you to embed your form using the same method in all the web pages.
We will wait for your response.


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gardening experiences
11 comments:
- coco said...
I was wondering how your garden is coming along. Nice to see the progress here.
- 24.5.14
- Carla Killens said...
ooooo, so fine to see them all grow ! You will have plenty to harvest I guess !
- 24.5.14
- Katyha said...
how exciting Claudia, cannot wait to see your plants when they are bigger
- 24.5.14
- trees and what not said...
everything looks wonderful, you are going to have such a flurry of lovely things to eat x
- 24.5.14
- Anikó said...
wow you've got so many different vegetables going! unfortunately my heirloom tomatos didn't make it :( as soon as I put them on the balcony something small gobbled them up in two days...
- 24.5.14
- Sandra Dunn said...
It's looking like green growth there! Yay!
I had Greg take down the 'greenhouse,' I don't think my stuff was getting enough sun. The grasshoppers are everywhere again! Argh.
Best of luck to you.
- 25.5.14
- jabbott said...
I think you have done very well with your garden x
- 26.5.14
- querido diário said...
- 26.5.14
- Evdokia Tsiligiridou said...
oh, vegetables everywhere!
- 26.5.14
- yoojin azad said...
Love to read about your gardening adventures!! :D Everything looks wonderful! Can't wait to see pictures when they've grown. :D
We are raising mainly herbs this year to transfer them into our garden after moving. But can't wait for next year in a real garden. :D
Is the second picture an "Engerling"? We had so many of them in our terrace plant pots after the winter.
- 27.5.14
- wide-eyed-tree said...
@coco: thank you :) I hope some of the plants of your seeds will come through!
@Carla: I hope so ;)
@Katyha: Me too!! :)
@trees and what not: Thank you!
@Aniko: I know, it is not easy! We had some caterpillar plague that ate up all the leaves and blooms of the trees! The new apricot trees will get no fruits at all, because of that. It is hard, but I don't want to use any poison and have everything organic. If that means, no certain fruits, then it must be that way.
@Sandra: Really? Actually it must not be a problem if you have not so much sun. I have the problem that it is too hot in there and we are thinking of covering it, but how? My parents greenhouse is standing in the shade and still working. Did you try long enough, do you think? The grasshoppers are a real problem, I don't know how to handle these insects!
Is there a natural enemy?
@jabbot: Thank you!
@querido diario: :)
@Evdokia: :)
@yoojin: Thank you! Oh I can understand that you hardly can wait to have a garden! Yes, it is an Engerling :)
- 28.5.14


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"Quimper" is a small toy I made in the summer of 2007 for the, then, two year old son of an acquaintance of mine. It is hand-sewn and stuffed with hypo-allergic materials.
"Quimper" is a strange creature. He keeps good comany but one should be aware of his "volcano breath". He poses as a turtle and then gets up and you get to see his open mouth with which he consumes large quantities of garlic and onion.
Thank You!


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Living on the Edge exists to help Christians live like Christians. The ministry was established in 1995 as a radio ministry of pastor and author Chip Ingram, and has since grown into an international discipleship ministry. The ministry creates biblical teaching and tools that challenge and equip spiritually hungry Christians to become mature disciples of Jesus.
The ultimate vision of Living on the Edge is to be a catalytic movement of Christians living out their faith in ways that transform families, churches, and communities for the common good and the glory of God.
"To Help Christians Live Like Christians" at home, work, and school in order to transform families, churches, and communities, for the common good and the glory of God.
The statistics are truly sobering and a constant reminder that our calling to help Christians live like Christians is more important than ever.
Only 40% of American Christians attend church regularly
The fact is, over 82% of American Christians only read their Bibles on Sunday while in church (Ponce Foundation).
Nearly 50% of Christians who attend church weekly do not believe that the Bible is the actual Word of God (Gallup Poll).
57% of American Christians believe other religions can lead to eternal life (Ponce Foundation).
In 2011, over 1 million people a week watched, listened or streamed the Biblical teaching of Living on the Edge with Chip Ingram. Chip is heard on 900 radio outlets throughout the U.S. and LOTE TV is broadcast on NRBTV and numerous overseas outlets. Our largest growth by far is in digital listeners, with an average of 24,000 daily users listening online via the Web and podcasts.
The Biblical, life-changing resources created by Living on the Edge equip everyday believers to live out their faith in truly transformational ways. To date, over 1.4 million people have experienced a Living on the Edge Group Study. All of resources - whether individual, group or church-wide - are aimed at helping people move from being spiritual spectators to actively engaging their faith every day.
With an online community of just over 2 million people, LivingontheEdge.org and r12 Online deliver Biblical truth and discipleship resources that help people grow in their relationship with God and each other. Our free online resources are easy to find and share, and help people apply God's truth to their lives in practical, tranformational ways.
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Our Mission is to advance education's role in the well-being of people and communities
Our mission statement represents the collaborative thought and effort of many members of our Faculty. As we grow and change as a community, our mission needs to grow as well. Therefore, we view this statement as a living one, evolving with our community and never final.
UBC's Faculty of Education prepares professionals for practice in a wide range of education-related fields, from preschool through adulthood
For over 50 years, the Faculty of Education has served the international education community through leadership in research, service, and advocacy.
In British Columbia, more than 45% of the province's elementary teachers, the majority of secondary teachers, and a significant proportion of BC's special needs and First Nations teachers, counsellors, school administrators, school psychologists, and vocational rehabilitation counsellors, are prepared by the UBC Faculty of Education for their important roles.
We are a diverse and far-reaching Faculty, with programs offered both on-campus and online
Our departments and units include:
Teacher Education | Curriculum & Pedagogy | Educational & Counselling Psychology, and Special Education | Educational Studies | Language & Literacy Education | School of Kinesiology | Indigenous Education | Office of Research in Education
We work with communities both locally and internationally
Find out more about our projects in the Dadaab Refugee Camp, our Indigenous Teacher Education Program (NITEP), our work in learning technologies, and the many professional development opportunities for teaching professionals we offer year round.
A new home for two of our departments
In February 2016, two of our academic departments, Educational Studies and Language & Literacy Education relocated to Ponderosa Commons, UBC Vancouver's newest live-work-learn community, integrating academic space and student housing. The academic spaces showcase the merger of the Faculty's academic mandate with innovation. Technology enhanced teaching and learning spaces, an Education Research and Learning Commons and informal learning spaces are located within this mixed-use space.
Take a look at our video, showcasing some of the Faculty's initiatives


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The Fantendo Football League Show showed highlights for week ten in the third season of the Fantendo Football League. It was broadcast on Flame TV.
King Plumber's Army 2-1 Dark Red Royals
PalmMan shot a bullet through the ground to fumble past Groudius Maximus. Micute. E Heart then equalised just before half-time with a header. And a Army biased first half was rounded off with a Thomas strike.
PalmMan 23
Micute E. Heart 45+1
Thomas 76
Nintendo All-Stars FC 1-1 Team Genetic
Razor was tripped by Captain Olimar and a penalty was awarded, Scar sent the keeper the wrong way to keep the fans talking into the second half. Link had a great free kick saved, and Pikachu's header was blocked off the line by Brandon, but the barrier was finally broken, when Kirby struck and smacked the woodwork, the ball fell to Captain Falcon who Falcon kicked it and scored.
Scar 39 (pen) Captain Falcon 78
Team Lios Lions 1-2 The Waves FC
Benjamin Metals rounded off a passing move between the 4 strikers by cheekily chipping the ball over the keeper. But Lios Lions tired, and long and short passes galore left gaps in the Lios Lions defense, and Mick easily converted. Nick grabbed the winner in a similar fashion.
Benjamin Metals 53 Mick 62 Nick 68
Team Freaky 2-1 Outer Troopers
Dudel shot from the half-time kick-off after recieving a pass to find his shot piercing the crossbar, the ball was punched not far by Ginorum, and Ztarnoir scored the volley. Hungry for more, Ztarnoir wove round the defence to beat Ginorum one on one soon after, and wasn't far off a hat-trick. Poor positioning from a corner lead Tyr to score late on.
Ztarnoir 45, 71 Tyr 75
Team Steel 2-2 Team Flame-Scotland
- Attendance: 55,867 (Away: 5,967)
Team Steel and Team Flame-Scotland play each other at the Zeppelin Stadium - it what is arguably the biggest Fantendo Football League match. 56,000 fans are expected to turn up to the match. Flame-Scotland are brining over 6,000 from Berkshire. Steel are in their black and green kit, while the Flames are in their red away kit.
- 9 Mins: Mephiles hits a long goal-kick down the pitch. Fire Master controls it well - Baby Clyde heads down the left with it. Clyde receives the ball from him. Clyde passes Hau and Uriel - playing the ball through the middle of them. Crosses in. Hark clears - as far as Snow Master, 25 yards out. Flame, "Macca", 'cross field ball to Clyde. He cuts in side - level with the penalty spot - shoots and Teine Alba take the lead at the Zeppelin. The 6,000 Flame fans go nuts. Poor defending from Steel.
- 15 Mins: Vulcan on the left, crosses in - own goal by Fire Master. He didn't need to touch the ball - but it ends up in his own net.
- 27 Mins: Entropy hits it long down the pitch. Metal Locked flicks it towards goal - and Vlasi Konstantinov pushes it over the bar - a good save by the Russian goalkeeper.
- 45 Mins: So at half time in the Battle of Britain - it's Steel 1-1 Flame-Scotland.
- 46 Mins: Teams back out now - Flame-Scotland attacking their fans in this half.
- 56 Mins: The Flame-Scotland fans haven't stopped singing for the whole match. Flame pushing forward from right-back - loses it Somerset one-on-one with Vlasi Konstantinov - flicks it over him and puts the Metal Maniacs two-one up at home.
- 76 Mins: Corner will be taken by "Macca" on the right. Ball in Banana Jr. heads it over the top and into the Flame fans.
- 85 Mins: Flame-Scotland's fans starting to leave the Zeppelin now, but their team has a free-kick - following a Chrome trip on Clyde. Clyde will take it - whips it in. Flame gets on the end of it - but it's a fantastic save by Mephiles the Dark in the Steel goal.
- 90+3 Mins: Flame-Scotland have one last attack - Snow Master, Yoshi, Fire Master hits it towards the Steel goal - and it's turned round for a corner.
- 90+5 Mins: All twenty-two players are in that box - apart from Baby Clyde who takes the corner from the left. Drilled in towards "Macca" - deflected away from goal. Yoshi tries blocked. Flame crosses in towards Clyde - goal! Flame-Scotland nick a point the the Zeppelin. Their fans go mad - a trip to London well worth it. No-one picked out Flame-Scotland's most prolific scorer and they are level. Clyde celebrates in front of his fans. Team Steel 2-2 Team Flame-Scotland. The Flame-Scotland fans are signing now. They go home happy.
Team Gemstones 0-1 Team Toucan
Brute blazed a shot at the bar to bounce in after recieveing a Fruity pass. It was a way to break the silence after a poor first half, Forter hit the side netting and DREW and Bearded Smiley had efforts saved to deny any comeback.
Brute 65
FC APIM 2-2 Mad Robots
- Attendance: 65,343 (Away: 3,343)
AbraPushy Battlefield was the venue for a four-goal thriller between FC APIM and Mad Robots. Pashie gave the hosts the lead - following a Regal slip. Pesh then made it two - Langhl's clearance wasn't good and let the striker in for the goal. Cheepel got a goal back for Mad Robots - a good solo goal. Betolpy made sure that Mad Robots would go home with a point - a good header from a Langhl corner.
Gearworks FC 1-0 Team Mega-Bus
Benemoth Drone's long goal kick lead Alec to inspire a long run forward for his side, he passed it to Slimebot to finish. It was a late, overdue goal for a drab game.
Slimebot 88
Royal Atlantica 2-1 Doodleland Dodgers
Borealis and Keizitt scored two late headed goals to eventually respond to Darkclaw's 8th minute strike.
Darkclaw 8 Borealis 77 Keizitt 81
Team Sew'n 1-2 Moose FC
Mr. Green brought a one man show into the first half, many chances and a skillful goal, rainbow flicks and Maradona turns galore, Moose left stunned. But Henry the Moose kept his composure, and scored a double to secure 3 points.
Mr. Green 23 Henry the Moose 51, 74


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In part one of this series we introduced the notion that in all markets whether bear or bull, there will always exist individual stocks that are fairly valued, overvalued or undervalued. In this same vein we argued that it's a market of stocks, not a stock market. For those who missed it, here's a link to part one. To put this into context, we are simply suggesting that the discerning investor can always find bargains if they are willing to look and do their homework. However, we should also add that bargains can come from many different types of equities.
Therefore, this and the following articles in this series will look at bargains that can be found within various equity classes. In this part two, we will look for bargains in high-growth stocks. Although this may be the riskiest equity asset class of all, it is also the most profitable, as long as sound and prudent investing principles are adhered to.
High Growth Stocks Defined
One of my favorite quips is about Tennessee Ernie Ford leading his church's choir when he allegedly said: "everyone turn to page 26 and sing along with me, but if you don't have page 26 then sing page 13 twice, because we all need to be on the same page." Therefore, as it relates to this article, in order for us all to be on the same page, we need to share a common definition of growth stocks, before a fair and impartial analysis can be conducted.
Consequently, for purposes of this article, we define growth stocks as follows: In order to be considered a growth stock, the company must have a history of growing their earnings in excess of 15% per annum, while simultaneously possessing a forecast expected future growth rate of at least 15% or better. For companies that possess these levels of past and future growth, we will utilize a PEG (PE equals growth rate) formula to calculate fair value. The valuation theory being applied states that companies possessing these significantly above-average growth rates deserve a premium valuation over slower growing peers.
The premium valuation concept presented above represents one aspect of why growth stocks, under our definition, possess higher risk than blue chips. First of all, achieving these high levels of growth are not only rare, but also extremely difficult to accomplish. Consequently, it is a challenge for companies to maintain high rates of growth, and this challenge is amplified the bigger the company gets. Therefore, we offer this very important caveat. Regarding growth stocks, it is even more imperative to focus on future growth over historical growth, than it is for any other equity class.
There is a second factor related to the above caution and that is the importance of valuation. Typically, Mr. Market will ask the prospective investor to pay a higher valuation (PE ratio) to buy a growth stock than most other equity categories. Having to pay a higher valuation for above-average growth is usually not only necessary, but also rational to a point. In fact, due to the high rates of potential growth, coupled with the power of compounding, means that above-average rates of return can be achieved with growth stocks, even if you pay a little more to buy one than you should. In other words, the compounding power of rapid earnings growth can bail you out from an aggressive purchase over time.
On the other hand, one of the most common mistakes investors make with high-growth stocks is overpaying for them. This usually occurs because of the hype that often leads to hysteria which tweaks the greed response. Companies with extremely high rates of growth can for a time attract significant investor interest leading to incredible short-term momentum. Consequently, a rapidly rising stock price can excite investor greed to the point of irrational behavior. One place where this psychological response is often seen is with hot IPOs. Later in this article we will present a vivid example of how dangerous this can be.
High Growth Stocks in the S&P 500
This series of articles is oriented to dealing with the wide diversity of equity classes that make up the S&P 500. Therefore, we are only going to concern ourselves with high-growth stocks that are constituents of the S&P 500. Of course, this also means that there are many very high-growth stocks that will be excluded from this discussion. Consequently, what follows is by no means presented as a comprehensive list of high-growth stocks.
Moreover, and most importantly, the following tables comprised of high-growth stocks in the S&P 500 also had to meet the hurdle of reasonable valuation. As a result, there were several S&P 500 growth stocks that did not make the cut. In other words, the following tables look at S&P 500 high-growth stocks that appear to be at or near fair value based on expected future rates of growth. S&P 500 growth stocks that we believe are overvalued were not included.
We have listed 17 S&P 500 high-growth stocks that met our criteria and we have organized them based on capitalization and earnings growth rate. Interestingly, all of the S&P 500 high-growth stocks that made our list are large-cap companies. Our first table reports on seven companies with earnings growth rates exceeding 20% per annum (The reader should note that both the 15-year historical EPS growth rate and the estimated 5-year EPS growth rate are both in excess of 20% in table 1). Our second table covers 10 additional S&P 500 growth stocks with historical and estimated growth rates in excess of 15% per annum.
Both of the following tables provide a summary of important fundamental measurements. The first two columns list historical earnings growth, followed by forecast EPS growth rates. The next two columns are focused on valuation by showing the historical normal PE followed by the current market PE. Then we provide debt levels and sector, followed by annualized historical performance, and finally, an estimate of future potential compounded annual rates of return. (It is important to note that the reader should understand that any companies on the list with poor historical returns (highlighted in red) can be assumed attributed to beginning overvaluation).
Analyzing S&P 500 High-growth Stocks Through the Lens of F.A.S.T. Graphs™
Next we're going to evaluate several examples from our list of S&P 500 high-growth stocks in value, utilizing the F.A.S.T. Graphs™ fundamentals analyzer software tool. This exercise will serve the dual purpose of allowing us to analyze the fundamental value of each company and to illustrate and elaborate on several of the points previously presented in this article. Furthermore, although we believe that the following analysis provides a comprehensive evaluation of the fundamentals underpinning each of these examples, additional due diligence is recommended.
Cognizant Technology Solutions (CTSH)


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Madame Tencin
Gather in close, dear fabulous friends, because there is a bit of scandal in the story of our gal, Madame Tencin. You see, she was a beloved French salonniere and author born in 1682 in Grenoble, France, who was known for her charm and grace and admired for her way with words. She had her fair share of escapades, too. But I am getting ahead of myself….
Claudine-Alexandrine Guérin de Tencin, Baroness of Saint-Martin-de-Ré, was originally sent at an early age to join a convent. But Claudine soon found that this was not for her, and rumor has it that she escaped her convent to join her sister, Mme de Ferriol, in Paris where she soon established a salon frequented by wits and roués.
Claudine garnered quite the reputation around town and made tongues wag because of her numerous lovers and benefactors such as Guillaume Dubois, the future First Minister, and King Louis XV's best friend, the Maréchal de Richelieu.
Guillaume Dubois
The story goes that our heroine even had an illegitimate son, Jean le Rond d'Alembert, with her lover Chevalier Louis-Camus Destouches, an officer in the French Army. Only a few days old, little Jean was left on the church steps of Saint-Jean le Rond de Paris.
And then there was poor Charles-Joseph de la Fresnaye who it is said committed suicide in Claudine's own home. This resulted in her spending prison time in the dreary Chatelet and even Bastille, where our spirited Marie Antoinette would end up a quarter of a century later. But Claudine was eventually liberated and proven innocent.
After her horrid ordeal, she simply dusted off her petticoats and founded her own literary salon, which quickly became popular with the likes of Bernard le Bovier de Fontenelle, Charles de Secondat, Baron de Montesquieu, Charles-Irénée Castel de Saint-Pierre, Pierre de Marivaux, and Alexis Piron.
Madame Tencin
Hers was the first of the Parisian literary salons that admitted foreigners. Foreigners of distinction, bien sûr, including English guests Henry St John, 1st Viscount Bolingbroke and Philip Stanhope, 4th Earl of Chesterfield.
Claudine went on to write well-received novels such as Mémoires du comte de Comminge (1735), of course, they were written under the name of her nephews, MM. d'Argental and Pont de Veyle, as Claudine made sure to keep her writer's identity carefully concealed as was customary for the female author of the 18th century.
A clever woman quite ahead of her time, our naughty and spirited friend, Claudine, died on the 4th of December 1749.
This morsel of historic fun is part of our Dames series, which celebrates the great salonnieres of the past.


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W4AAW is configured as a Multi-Multi station for Totally Remote Multi-Multi Contesting. Our group of operators, now known as TeamW4AAW, developed the interfaces and systems to permit Totally Remote M/M Contesting. TeamW4AAW was the first group in the world to employ the concept, mounting the first Totally Remote CW, SSB AND RTTY M/M contest efforts.
All W4AAW operating positions can be fully remote-controlled through a low latency Internet connection.
One position is dedicated for use by operators with a K3/RemoteRig set up. The other two positions are identically equipped with FT-2000s and Acom 2000As and may be accessed by TeamW4AAW members without their having to buy any special hardware or software.
Antenna selection at any position is automatic, thanks to a switching system designed by Top Ten Devices. All positions use Dunestar bandpass filters and harmonic attenuation stubs (W2VJN design).
On his computer screen the remote operator sees the same high resolution image as is seen in the W4AAW shack. Audio heard at the remote position is crystal clear. Transmitted audio quality often draws comments such as, "I would never know you were operating remote, if you had not told me." The latency is extremely low, equal roughly to the length of one Morse "dit" at 30 wpm. High speed CW operation is well accommodated with some team members chalking up 180 to 200 QSOs/hr rates.
The ARRL said this about our team: ...."a group of more than 20 operators, [that] helps to maintain and operate the station, which has become a real-world laboratory in the to-date niche field of remotely controlled contesting."
TeamW4AAW members operate the station remotely from their own QTHs in Washington state, Oregon, California, Missouri, Louisiana, Pennsylvania, Maryland, Virginia, North Carolina and other states. Members outside the continental USA include those in Panama, Scotland, Hungary and Germany. One team member, while traveling, operated from Jakarta.
We often place in the top ten of US M/M stations.
W4AAW is NOT a "station for rent" facility. TeamW4AAW members pay no dues. They do, from time to time, share station costs, lend or otherwise supply equipment and pitch in with their own unique and considerable expertises.
The Remote Contesting Project was begun to create a cost-free or low-cost way for accomplished, serious Contest Operators who may have no access to a competitive station, to operate one. Some of our accomplished contest operators live in HOA-restricted neighborhoods, apartment buildings or in homes where anything more than wire antennas would be impossible to erect.
We assiduously adhere to all FCC rules and to the rules of any contest we enter.
We are continuing to improve our Remote Contesting setup and look forward to working you in the next big contest.
73 TeamW4AAW