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College Hockey:Tigers Sweep Buldogs
Bachman Extends Shutout Streak
DULUTH, Minn. — There were a couple of questions Saturday night at the DECC as Minnesota-Duluth finished a Western Collegiate Hockey Association men's series with No. 2 Colorado College:
Would the ice surface hold up after four games in 12 hours? Could the Bulldogs crank up their offense at home?
High school games at 10 a.m. and noon, followed by the UMD women against St. Cloud State at 3:30 p.m., had already given the rink a workout.
The ice was OK, but things didn't get much better for the Bulldogs. First-place Colorado College showed exceptional speed and skill in a 4-0 victory before a crowd of 5,182, aided by two Chad Rau power-play goals.
Colorado College star freshman goalie Richard Bachman, ranked first in the WCHA for save percentage (.932) and goals-against average (1.77), gained an amazing third straight shutout against UMD, a streak of 197 minutes and 46 seconds over four games total. It marked the first consecutive road series shutouts in Colorado Colleges 70 years, and it gave the Tigers a four-point lead in the WCHA over second-place North Dakota with four games to play. Bachman had 29 saves.
"We won the league my freshman year and I remember how special it was," said Colorado senior defenseman Jack Hillen of Minnetonka, Minn. "It's something we're looking forward to and we wanted to start the last six games on the right foot."
The Tigers (23-8-1 overall, 18-5-1 WCHA) started with a 3-0 win Friday and never let UMD into the series.
Going into Saturday's game, UMD had lost consecutive games just once this season, at Colorado College on Nov. 9-10. The Bulldogs (12-12-6, 8-11-5) hadn't been shutout in consecutive home games since being swept by Minnesota 2-0 and 7-0 in 1995-96. The Tigers outscored UMD 15-3 in four wins this season.
"We had some momentum in each game and the shots were even for both games [favoring UMD 60-56]; the difference is, Colorado College scored on its chances," said UMD junior defenseman Josh Meyers. "They're by far the fastest team we've played. They made the plays and buried their chances.
"It's tough to lose when you put 30 shots on a goalie each night and don't score. Colorado likes a skating game and I don't think we played in their face enough."
Winger Eric Walsky finished a two-on-one break with Matt Overman in the first period for the Tigers, and Rau's two power-play goals made it 3-0 after two.
Rau, a junior center from Eden Prairie, Minn., hit with 3:02 left in the first period and finished a nice passing play late in the second to make the Tigers 2-of-3 on power plays against the No. 2-rated penalty killers in Division I. He has 21 goals this season and 49 in his career.
"You hang in there with a team, then make a mistake and it feels like the game is over; their team speed kept leading to odd-man rushes and breakaways," said UMD goalie Alex Stalock. "At this time of the year, you can't be happy by not picking up any points. We have to find a way to do something about it."
Winger Jimmy Kilpatrick scored on a tip at the right edge of the crease at 8:04 of the third period, a play which gave Hillen a third straight assist in the game.
"We played a good methodical team game and our defensive corps was really good," said Colorado College coach Scott Owens. "They defended well and got the puck moving north. Hillen might be the best defenseman in our league."
UMD coach Scott Sandelin reworked all of his lines following Friday's loss, yet the Bulldogs still found it rough going offensively. Bachman had one tough stop in the first period, gloving Michael Gergen with 4:56 left. Seconds later, Gergen was called for spraying Bachman with ice chips and that led to the Tigers scoring on a power play.
The No. 10 Bulldogs are 0-3-1 the last four home games while scoring just two goals total in that stretch. The Bulldogs started the season 4-0-3 at the DECC, but are 2-4-2 the last eight, and are clinging to seventh place in the WCHA, one point ahead of Minnesota.
"All weekend we were looking for that goal to give you a little spark, some life, and couldn't find it," said Sandelin. "When you never find it, it zaps you mentally. They're a tough team to play catch up with, especially with the way their goalie's playing."
UMD remains home this Friday and Saturday against North Dakota.
Kevin Pates covers Minnesota-Duluth for the Duluth News-Tribune in Duluth, Minn.
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Please also keep "woofing," taunting, and otherwise unsportsmanlike behavior to a minimum. Your posts will more than likely be deleted, and worse yet, you reflect badly on yourself, your favorite team and your conference.


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About Us
Vericare is a leader in geropsychology and geropsychiatry, two of the fastest growing segments of behavioral healthcare. We partner with respected, long-term care facilities nationwide to provide compassionate care and multidisciplinary behavioral interventions to elderly patients in skilled nursing facilities and long-term care settings.
Today in the United States there are nearly 40 million people age 65 and older. According to The National Council on Aging (NCOA), that number is expected to double and 20 percent of the U.S. population will be 65 years and older by 2050. The NCOA also reports that one in five older Americans suffer from anxiety and depression; yet often do not seek treatment for these issues because they incorrectly assume they are a normal part of aging. An even greater number of elderly residents of long-term care facilities experience depression, anxiety and other emotional issues as they face the challenges of aging. These are the patients that Vericare strives to help.
Vericare prides itself on understanding the challenges facing skilled nursing facility administrators. Nationally, of the more than two-thirds of nursing home residents with reported behavioral disorders, including depression and anxiety, fewer than five percent receive treatment. This condition persists today, despite the fact that in 1987 Medicare passed legislation that focused on patient rights and recognized psychologists as independent health care providers delivering valuable geriatric mental health services to the elderly residents of long-term care and skilled nursing facilities.
"What I like about Vericare is that it's in an emerging field—geropsychology—and that area is going to get larger and larger as the population ages."
Rachel McClements, Psy.D. Clinical Operations Manager
Los Angeles/Orange County, CA

subset: commoncrawl


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Tales From the Musical Melting Pot
By Tal Skloot ,
November 4, 2011
Harpist Boris Goldmund and tuba player Zachariah Spellman are very different people, but they share the ability to see beyond the notes to the universals behind musical styles. Their tales are stories of creativity that find outlets among the possibilities of a great city. Tal Skloot's short film, with interviews by Jeff Kaliss, connects the dots between them.
Related Articles
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Orchestras can do just about anything. What should they do?
This project is supported in part by Gordon P. and Ann Getty, Robin and Kay Frost, and an award from the National Endowment for the Arts.
Bonus Video!
Paul McCartney's famous tune in a wild reimagining for tuba, by Zach Spellman
Tal Skloot is the owner of Tritonemedia, a production company that specializes in the performing arts and story based media. He has worked on numerous feature films and Emmy award winning documentaries. His documentary 'Freeway Philharmonic' recently toured the globe as part of the U.S. State Department sponsored American Documentary Showcase.


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Mid-market investor Inflexion Private Equity has held a first and final close of its latest fund targeting UK countries on £375m (€436.9m).
Offering the latest sign that the fundraising environment is loosening up for some areas of private equity, the fund closed after three months fundraising, more than twice oversubscribed.
Almost 30 investors committed to the fund, with the bulk of support coming from existing investors, as well as new entrants from Asia and Australia.
The 2010 Buyout Fund is to target ten to 15 investments in UK companies with enterprise values ranging from £10m (€11.6m) to £100m (€116.5m).
Inflexion managing partner Simon Turner said, "We are delighted to have received such strong support from existing investors in Inflexion funds and completed our fundraising within such an efficient timetable. We are equally pleased to welcome a selection of new investors to the fund, diversifying our capital base by geography and provenance.
"Inflexion will continue to invest in the UK mid-market where we have built an exciting portfolio of growing businesses and see good quality investment opportunities for the future," he added
In June, the firm sold its stake in portfolio company ICS alongside F&C Private Equity, reportedly to US firm, Blackstone.
Copyright © 2010 AltAssets


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Lost My Mind
From Grand Theft Wiki
Revision as of 05:25, 24 October 2013 by Grand Theft AJ (talk | contribs) (GTA O)
|Lost My Mind
|GTA Online
|Trevor Phillips
|Crystal meth
|Blaine County
|Player dies, crystal meth is destroyed
Lost My Mind is a mission in Grand Theft Auto Online, given by Trevor Phillips to the GTA Online Protagonist.
Trevor has the GTA Online Protagonist go to a Lost Brotherhood hideout to kill them all and steal a large amount of crystal meth. After slaughtering the group of Lost MC members, the Protagonist brings the meth back to Trevor's trailer, and Trevor (seemingly tweaking, and peeking out of his window) asks if he's stalking him.


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ELKHART Hazardous waste collection set for Saturday
ELKHART — Elkhart County's solid waste management district will sponsor a household hazardous waste collection from 8:30 a.m. to 3 p.m. Saturday at the Elkhart County Jail, near the intersection of C.R. 7 and C.R. 26.
The collection, which is open to Elkhart County residents, will accept waste including oil-based paints, motor oil, gasoline, pesticides, medications and household cleaners. If possible, materials should be in their original, labeled containers. Containers larger than five gallons will not be accepted. Other items that will not be accepted include electronics, tires, refrigerators and dehumidifiers. Contact the waste management district office for recycling information for these items.
Latex paint and alkaline batteries are no longer accepted at the monthly waste collection event. Latex paint can be dried by opening the can and adding cat litter, sand, shredded newspaper or other absorbents to speed up the process. The dried cans can be disposed with regular trash along with alkaline batteries.
The next household hazardous waste collection will be March 2.
For more details call the solid waste management district at 293-2269.


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Angry Birds Seasons tops Fresh Android Games of the Week
Gaming on Android continues to make good progress. Angry Birds got a huge, free, seasonal update with both Halloween and Xmas levels included in Seasons. Popular iPhone title Pocket God finally saw the light of day on Android, albeit a little buggy, plus there were some fun titles like Doodle Dash, Droid Odyssey and Snipe to round out this week's favorites.
Angry Birds Seasons (Android) FREE
Rovio mobile has just launched a holiday-themed version of everyone's favorite mobile puzzle game. Now, not only can your home be decorated with garlands and ornaments, so will Angry Birds. In addition to featuring a more festive design, Angry Birds Seasons also acts like an Advent calender, including a special surprise for fans of the game every day until Christmas.This version also includes a 45-level Halloween edition, which has been packaged as a separate episode called "Trick or Treat."
Pocket God (Android) $0.99
One of the most popular games for the iPhone platform has finally made its way to Android. In the game of Pocket God, you are an omnipotent being who rules over an island. You get to decide how you want life to be for the primitive natives that inhabitant the island, offering them blessings, or punishing them for their misdeeds. You are in complete control of every happening on this island, whether it be giving the gift of tools to humanity, or summoning a deadly earthquake. The game also gives its users access to chat rooms, leader boards, achievements, and announcements during gameplay.
Doodle Dash (Android) FREE
Doodle Dash is a platform action game for your Android phone. In this game, you are a brave warrior, exterminating all that is dark and evil. As you progress through this game, be prepared to face all different kinds of enemies, including ninjas, mummies and vampires. Keep on the look out for weapons and other objects that will improve your health: they're scattered throughout the game. Above all, follow your instinct. When things start to get scary, never stop running.
Droid Odyssey BETA (Android) FREE
Droid Odyssey BETA is a platform jumper for your Android phone. This game is a world of bright colors and tricky puzzles. Playing as a tiny robot, you will navigate your way through a series of increasingly difficult levels where you must overcome a series of obstacles. In each level, you also must do your best to collect as many items as you can, which you then use to throw in various directions. This game doesn't last long, but by the time you have finished, you just might want to play it all over again.
Snipe (Android) $1.99
Snipe is a vibrant, high-definition shooting game in which you must kill your friends before they kill you. It's a highly interactive and customizable kind of game. Decide whether you want to play in either single or multiplayer modes and then choose from dozens of different types of weapons. When you play in multiplayer, you can go up against Facebook friends, compare your stats, earn money and receive upgrades. The developers also offer a lite version of this game so that you can give it a try before committing to the full version.


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Handmade in Nepal5917090
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Three-dimensional teardrop earrings feature silver scrollwork on black, with mosaic pieces of turquoise.
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ManushiThe nonprofit organization Manushi, meaning "energetic woman," was established in 1991 to assist poor, disadvantaged Nepali women. Located in Kathmandu, Manushi works with women in various parts of the country. In addition to craft production and marketing, Manushi conducts community development, entrepreneurship and skills training. Read more.
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PhD from University of Nebraska, Lincoln in English (Rhetoric and Composition and Creative Writing)
MFA from Mills College in English and Creative Writing
Courses Taught
COMM 101: Written and Oral Communication I
COMM 301: Written and Oral Communication II
COMM 391: Listening across Cultures
COMM 391: Public Writing & Art
Visit Dr. Arbor's website.
Rhetoric and composition, Pedagogy, Rhetorics of listening, Intercultural engagement, Public Writing, Poetry
Where Are You From, Originally? Georgetown, KY: Finishing Line Press, 2015. Print. (poetry collection)
"Shema Yisrael: Listening in Judaism and What It Has to Teach Us." Jewish Rhetorics: History, Theory, Practice. Ed. Michael Bernard-Donals and Janice Fernheimer. Hanover, NH: Brandeis University Press, 2014. 198-214. Print. (scholarship)
"Never Again: Preventing Genocide and Promoting Reconciliation with Interventionist Pedagogy." Thinking and Practicing Reconciliation: Teaching and Learning through Literary Responses to Conflict. Ed. Leo Riegert, Jill Scott, and Jack Shuler. Newcastle upon Tyne, UK: Cambridge Scholars Publishing, 2013. 21-39. Print. (scholarship)


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5 filling salad recipes big enough for dinner.
Versions of this satisfying dinner salad are typically found in small bistros all over France. Grind black pepper over top if desired.
See the recipe
Not your traditional Caesar, this salad is updated with a little twist: It's composed rather than tossed.
We've paired this traditional salad with chorizo sausage. It has never tasted better.
In saucepan, heat half of the oil over medium heat; cook carrots, onion, celery, jalapeño pepper and garlic, stirring, until softened, about 4 minute...
Toasting corn and beans brings out earthy flavours and transforms this dish into an exotic South American–style salad.
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Telephone : 514 848-7000


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The country's largest two-wheeler maker Hero MotoCorp today reported a marginal increase in total sales at 5,04,181 units for February.
It had sold 5,01,271 units in the same month last year, Hero MotoCorp said in a statement.
"We have been consistently selling over 5 lakh units every month, and this is clearly indicative of the inherent market demand that exists for our products," Hero MotoCorp Senior Vice President (Marketing and Sales) Anil Dua said.
The company plans to roll out newer versions of the Pleasure, Xtreme, Karizma and ZMR models later this month, he added.
Also Check:


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It is WAY too soon to be thinking about the fall season. I know some people like fall, but I tend to dread it. I love summer and ...On July 21, 2015 / By BrS
I don't think I have really thought about denim handbags since that whole Louis Vuitton Monogram Denim Collection frenzy… how many years ago was that? It is hard ...On February 21, 2015 / By BrS
Check out this distinct 2Jours tote by the House of Fendi. This Petite 2Jours took me on a trip down Memory Lane as it greatly reminded me of ...On November 26, 2014 / By Deysa Diaz
When I think of the fall season, flowers are the last thing that comes to mind. Flowers are undoubtedly a spring thing. Right? It seems things have been ...On November 3, 2014 / By BrS
Gosh, I remember when handbag charms were all the rage. It wasn't that long ago either! Maybe 4 or 5 or even 6 years ago? Coach had the ...On October 20, 2014 / By BrS
There is a recurring trend that never fails to make an appearance each and every fall season. In fact, I am sort of in favor of not calling ...On September 11, 2014 / By BrS
It's sure hard to take winter bags seriously when we are in the middle of a heatwave. But like clockwork, autumn is coming and we will soon be ...On August 11, 2014 / By Jenni Moreno
Fendi is keeping the ombre trend alive! If you're looking for something a little bit different from the classic Fendi signature Zucca look, check out the dipped in ...On June 20, 2014 / By Jenni Moreno
If there are two colors I will never get sick of, when combined together, it's black and white. The colors look so beautiful and eye catching together that ...On May 7, 2014 / By Marissa Hopson
I'm a homebody and I have no problem spending some nights in especially when it comes to studying scripts. However, I do love dressing up and looking the ...On May 5, 2014 / By Marissa Hopson
There are a few major summer trends that come back year-after-year like clockwork- ie. Nautical stripes, bright hues, plastic see-through bags and of course straw and raffia totes! ...On April 18, 2014 / By Jenni Moreno
My favorite color in the world is Light Pink or some people call it Baby Pink. I always look forward to February coming around because it seems like ...On February 9, 2014 / By Marissa Hopson
© 2013 Bag Bliss. All rights reserved.


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Hello, I've noticed that trying to sort email in the Sent folder by "To:" does not work correctly; in particular, a client of ours (using Zimbra 4.5.5) noticed that email does not get sorted corretly (by "To:") but instead get sorted as if one was trying to sort them by date.
I noticed that my local installation of Zimbra (4.5.6) does this also.
Any quick workarounds or other?


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UNIQLO Announces Plans to Open Five New Stores This Spring/Summer in the U.S.
NEW YORK, January 7, 2014 – UNIQLO USA announced today that it will continue its expansion in the U.S. by opening five new stores this spring/summer. These new stores will expand the brand's presence and mark UNIQLO's first entry into the greater Philadelphia metropolitan area.
The five new UNIQLO locations to open in spring/summer are:
- King of Prussia Mall in King of Prussia, PA
- Stamford Town Center in Stamford, CT
- Serramonte Center in Daly City, CA
- Sunvalley Shopping Center in Concord, CA
- Great Mall of the Bay Area in Milpitas, CA
"We are thrilled to announce our newest store openings and are eager to bring the UNIQLO experience to even more communities throughout the United States," said Larry Meyer, CEO of UNIQLO USA and Fast Retailing Group Senior Vice President. "Our universal products, every day basics of exceptional value, world class customer service and modern, bright stores will create a brand new group of UNIQLO fans."
Currently there are 17 UNIQLO stores in the U.S.: three in New York City, five in New York State, three in New Jersey, one in Connecticut, and five in the San Francisco-Northern California area, as well as UNIQLO.com, which offers nationwide online shopping.
In the fall of 2014, UNIQLO plans to debut its innovative, high-quality clothing in new markets including downtown Philadelphia, Boston and Los Angeles-Southern California. Details about these new markets will be announced at a later date. To staff these new stores, UNIQLO plans to hire and train several hundred full-time and part-time employees at all levels.
In addition, UNIQLO announced today that it will close the second floor of its 5th Avenue store in New York City for renovations and will reopen the section in March. Customers will be able to shop the other floors during construction.
For more information visit www.uniqlo.com, or download the new UNIQLO USA app.
About UNIQLO and Fast Retailing
UNIQLO is a brand of Fast Retailing Co., Ltd., a leading global Japanese retail holding company that designs, manufactures and sells clothing under seven main brands: Comptoir des Cotonniers, GU, Helmut Lang, J Brand, Princesse tam.tam, Theory, and UNIQLO. With global sales of approximately 1.14 trillion yen for the 2013 fiscal year ending August 31, 2013, (US $11.62 billion, calculated in yen using end of Aug. 2013 rate of $1=98.36 yen), Fast Retailing is currently the world's fourth largest apparel retail company, and UNIQLO is Japan's leading specialty retailer.
UNIQLO continues to open large-scale stores in some of the world's most important cities and locations, as part of its ongoing efforts to solidify its status as a truly global brand. Today the company has more than 1,300 stores in 14 markets worldwide: Japan, China, France, Hong Kong, Indonesia, Malaysia, Philippines, Russia, Singapore, South Korea, Taiwan, Thailand, U.K. and U.S. In addition, Grameen UNIQLO, a social business established in Bangladesh in September 2010, opened its two first stores in Dhaka in July 2013. UNIQLO operates an integrated business model under which it designs, manufactures, markets and sells high-quality, casual apparel. The company believes that truly great clothes should be supremely comfortable, feature universal designs, are of high quality and offer a superb fit to everyone who wears them.
With a corporate statement committed to changing clothes, changing conventional wisdom and change the world, Fast Retailing is dedicated to creating great clothing with new and unique value to enrich the lives of people everywhere. For more information about UNIQLO and Fast Retailing, please visit www.uniqlo.com and www.fastretailing.com.
For more information or photos please contact:
Eileen McMaster | UNIQLO | email@example.com
Nancy Goldstein | Burson-Marsteller | firstname.lastname@example.com | (212) 614-4827


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Have Legal Questions? Ask a Lawyer Now.
Thanks for your question and good afternoon.All counties in California have hot check departments in the District Attorney's Office.Usually they want you to send a notice to their last known address giving them 10 days to make the check good and stating that you intend to turn it over for prosecution unless full payment is received.If you do not receive payment then you can file your complaint and they will pursue this for you.
It is possible to sue someone in small claims but you have a much better chance of collecting through your District Attorney.All the counties have a web page here I am giving you a sample for Orange County.
They will prosecute the person and you have a better chance of getting your money as part of restitution.If you sue them civilly in small claims you can get a judgment but in most cases they are deadbeats and it is impossible to then collect the judgment.
Overall by filing a complaint with your county DA you have a much better chance of collecting the debt.
It also has the effect of prosecuting them too since it is a crime to write such a check.
Do I have to still be living in California to sue him?
I moved to Texas few months ago
No you do not.See if you can get them prosecuted by filing a complaint first.Usually you can do this by mail with the DA here.
Here is small claims just in case.
I wish you good luck here.I appreciate the chance to assist you today.Please let me know if you have more follow up.
Thanks again.
do you know how long I have after I received the returned check to sue?
They usually want you to send letter and then if you aren't paid then file a complaint to prosecute it.
how do I prove that I have sent the letter?
Send certified mail and keep copy of the letter you sent.Usually they will want you to send them a copy of all of this.
You have four years to sue on breach of contract if you had too in small claims.
Reference to that..
I am so sorry you are having to go through all of this.I am sure it is frustrating when you tried to help them.
You have a real good chance of collecting this through the DA.They usually extract fees from the other party here so they very much like to take these cases and get their funds too.
Thats why all the DAs have web pages here trying to get folks to prosecute checks.
I wish you good luck with this.
So I can mail the claim to the DA in California right?
I appreciate the chance to help you today.
You are welcome.If you can leave a positive rating it is much appreciated.Have a good weekend.
I hope that you will be so kind as to leave a positive rating. If you do have any additional questions about my answer please click the "Continue Conversation Link" so I can provide you with a fully satisfactory answer. Please be aware that any rating of 1 or 2 is reflected as a negative rating and I receive no credit for my answers.
This communication does not establish an attorney client relationship here.Information provided is not legal advice. Rather it is simply general information.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
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India has emerged as the most optimistic nation in terms of hiring plans for the next three months, and sectors such as aviation, IT & ITeS and retail are likely to see an increase in payrolls.
According to the Employment Outlook Survey released by workforce solutions major ManpowerGroup, 41% of the surveyed Indian employers are expected to add on to their staff levels in the second quarter of this calendar year.
"Government initiatives, increased industry participation, rise of start-up ventures and emergence of India as an investment destination are some of the key factors that have fuelled the economys growth," Manpower Group India Group MD AG Rao said.


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March 30, 2011
With the number one cross country recruiting class in the nation, comprised of All-Americans and national champions from all around the U.S., one would be forgiven for overlooking Sammamish native Chelsea Orr in the fall. One of just two local freshmen on the roster, Orr was a four-time Top-20 finisher at the Washington 4A state cross country meet, helping Eastlake to a pair of team titles, but individual accolades eluded her in cross country and track. She wanted to be a Husky, but admits even she wasn't sure that she belonged. But with a newfound commitment and steady training time, Orr began to improve by leaps and bounds at the end of the fall and into the indoor track season. Partway through the indoor season, Orr earned a spot on Team USA for the NACAC Cross Country Championships held in Trinidad, and ran to the individual victory in the junior women's race. She also posted Top-10 times in the 3,000-meters indoors and as part of the distance medley relay, while also placing fourth in the mile at the MPSF Championships. Despite a recent injury that has her expecting to redshirt the outdoor season, Orr has made a name for herself in her rookie season, and talks about hitting her stride.
GoHuskies.com: Did you surprise yourself this season with your performance? Chelsea Orr: It was a big surprise; the fall was kind of a struggle for me. I came off of my high school track season not finishing well and was a little burnt out and I came to UW and at the first practice I was extremely intimidated by the girls and didn't realize what I was getting myself into. So, I didn't do very well that season and redshirted and didn't see improvement. I also sprained my ankle a couple times and would cross train and run and alternate between the two, and Metcalf called me out on it one day and told me to stop being such a wuss. Initially I was really embarrassed and didn't know how to react but then I recognized that he was right and started heading in the right direction and decided that if I wanted to be a part of his team I needed to be completely committed and start getting my act together. I was really focused during winter break, and wanted to improve. I was definitely surprised by how much I've improved because it was much better than my cross country season; it was such a significant change.
GH: Was there any one work out or race that specifically surprised you? CO: Actually there were a couple but one that stands out in particular is a workout at Magnuson Park we were doing loops around a 900 meter course. I really surprised myself on that course because I was able to stay with some top runners that I could never have kept up with. That work out stands out as a turning point.
GH: Was there anything else you'd been doing differently to help or was it just a matter of making the bigger commitment? CO: I was running more miles than I did in high school (10 or 15 more). In high school I had some mild injuries that were obstacles for my training and I didn't run consistently throughout any season. Once I came here and got out of my injuries I trained consistently for about eight months. And also just training with such talented girls has pushed me so much and has made a big difference.
GH: Coming out of high school were you confident in your ability to improve? Did you think you had a lot more there under the right circumstances? CO: My sophomore year I definitely felt that way; I ran much faster than I expected and felt like there was a lot left. My junior year I had mono and didn't get to race in track and then my senior year was just not great. So after my senior I doubted myself and was kind of discouraged but I always felt I had a little more in there.
GH: It sounds like you had to work a bit to get noticed and get a spot on the team. What made you want to be a Husky so badly? CO: I think this program is outstanding. The coaches do an incredible job; they love what they do and they're passionate about it. The girls are also really passionate about it and being in this environment has made me realize that I want the same thing. In high school I didn't necessarily have that environment; it was just not as serious or as focused. Making the change from the two environments has made me recognize that I really want this. I've become very passionate about running and I just want to improve and help the team as best I can.
I knew I was interested in coming to UW and was also looking at Gonzaga; those were my final two colleges I was looking at. My dad actually helped me out a lot by emailing coach Metcalf a couple times but he's not always responsive to email (laughs). It took a couple emails to get them to respond, but then we set up an unofficial in April and it was kind of last minute and I decided after that that I wanted to come here. My dad helped me out a lot; I wasn't recruited at all which is understandable because I came in last place at my high school state mile race. I hadn't proven myself.
GH: So out of the big freshman class, you're pretty much the only local girl. Do you get to serve as sort of a tour guide for some of the other freshmen? CO: Actually yes, that was one thing I felt I could help the team with. Kind of leading them around and showing them places that they wouldn't have necessarily known.
GH: Was it intimidating to meet these girls? Megan Goethals and Katie Flood both came in with national championships. CO: I was extremely intimidated, I felt like I did not deserve to be here. I was really nervous and scared, and did not know what I was getting myself into.
GH: Guessing that has changed pretty quickly? CO: Yes they're really awesome girls and we've bonded very quickly which I did not expect and I still am so honored to run and train with them but we've become good friends.
GH: Looking back at the whole NACAC experience, starting with USA Juniors, you missed the Junior Worlds team by one spot, so were you bummed at all by that? CO: At USA Juniors I was actually sick and not feeling well. I raced as hard as I could and I was happy with my effort and the result. That experience was really fun too, there were five of us freshmen on the trip; it was just a great experience. Having the opportunity to race in Trinidad was awesome and I didn't expect it. It was such an honor, it was my first race representing the USA so I was very proud to wear that navy and red jersey and represent the US in an international race. It was also great to meet a lot of world class athletes and I felt like I learned a lot just by watching their actions just by the way they carried themselves and watching them race. They were very professional and carried themselves well, and were very poised. Overall it was an awesome experience, and was once in a lifetime.
GH: Did you go in to the race thinking you could win? CO: Well Coach Metcalf told me going into the race that he thought I had a chance of winning and I took that with a grain of salt. I heard what he said but wasn't sure if it was actually possible. Going out in the race I think I was in the front of the pack and the second lap I was pulling away and people are dropping back, so I thought I really did have a chance to win. Crossing the finish line for the US in that race was a huge honor and I can't express that enough.
GH: So you've got your own gold medal now? Where are you keeping it? CO: Yes, it's currently at my house in Sammamish.
GH: Have you given much thought yet to what you'd like to major in? CO: At this point I'm heading in the direction of business just because I feel like it's a reasonable and versatile major. I've been thinking about it recently and have been thinking about what I want to do after college and I'm completely unsure. I could change it at any time, but at this point that's what my decision would be.
GH: What are the most interesting classes you've taken so far? CO: I have taken some interesting classes, I took a western religions class which is really interesting. I took a geography and health class which is very interesting.
GH: So unfortunately you just found out you've got a stress fracture; how serious is it? CO: It's actually not too severe. It's in my right femur. It's only going to be about a 6 week process, maybe a little more but much less than some other girls on our team that have had stress fractures, so it's pretty moderate.
GH: Was it tough to hear about that because you were building such momentum before? CO: It was disappointing for sure, but by the end of indoor season I was exhausted so I think it happened at the perfect time. I'm just a freshman so I'll still have eligibility for 4 years. I think there's a lot that I can work on, so although I'm disappointed this injury couldn't have happened at a better time.
GH: This being your first time with a stress fracture, what have coaches and trainers told you about how to manage it and stay fit? CO: The first few weeks the coaches just want me to rest and recover. The workouts are going to be really easy, and I'll be cross training more just to get my heart rate up and do a little exercise at this point because they want me to heal properly but after a few weeks hopefully I'll be able to start doing harder work outs to try and stay in shape.
GH: So now are you already looking ahead to next fall? It sure looks like there's a ton of potential. CO: Yeah I've got my sights set on cross country, and I'm really excited to see what we can do. I think we have a huge amount of talent on our team and so it'll be exciting to see how everyone can do in the fall.
GH: Thanks and good luck on a speedy recovery! CO: Thank you!


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Employment Law
Employment Law Questions? Ask an Employment Lawyer.
A non-compete agreement will only be enforced against a former employee if the agreement meets all three prongs of the test laid out by the courts. Courts require that for a non-compete clause to be enforceable, an employer must show reasonableness, in that (1) it has a legitimate business interest sufficient to justify enforcement of the non-compete clause; (2) that the clause does not cause the former employee undue hardship; and (3) that enforcement of the clause will not be harmful to the public.
Under this three part test, courts consider several factors when determining whether a non-compete agreement is reasonable, including: (i) how long the restriction lasts and the geographic area that the restriction covers, (ii) whether the employee was the sole contact with customers, (iii) whether the employee possesses confidential information or trade secrets, (iv) whether the covenant operates to bar the employee's sole means of support, (v) whether the covenant seeks to stifle the inherent skill and experience of the employee, (vi) the likelihood that the employee can find other employment if the restriction is enforced and (vii) whether the benefit to the employer is disproportional to the detriment of the employee.
All the factors favor the agreement not being enforceable against you - its far to long, doesn't protect anything, seems like its there only to stop competition, and disproportionately harms employees. However, unless you are willing to take the matter to court to have the contract ruled invalid, you'll not truly know if thee employer can enforce its agreement. In short, only a court can definitively tell you whether the non-compete is enforceable, but these are the factors that would be considered by a court, and you'd have I believe a good chance to have the non-compete ruled unenforceable.
I believe this answers your question. However, if you need clarification or have follow-up questions regarding this matter, I will be happy to continue our conversation – simply reply to this answer. If you are otherwise satisfied with my response, please leave a positive rating as it is the only way I am able to get credit for my answers. Thank you, XXXXX XXXXX wish you all the best with this matter.
Thanks, John.
In response to (ii), my sales team is indeed the "sole contact with customers." My sellers are the ONLY ones allowed to sell tickets to this comedy club.
In order to get a raise, he wants me to sign a 5-year contract agreeing not to represent any other comedy clubs.
Lastly, I am an INDEPENDENT CONTRACTOR and I do not technically work for him. He takes no deductions from my weekly checks.
Is it still your opinion that, if I choose to leave him before 5 years, this no-compete clause is unenforceable? The contract states that there is a $5,000 penalty for breaching the contract.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided "as is". To view the verified credential of an Expert, click on the "Verified" symbol in the Expert's profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).


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These days, an exchange-traded fund (ETF) covers nearly every corner of the equity markets. Of course, there are dividend ETFs and international ETFs, and then there are international dividend ETFs. This is a potent marriage, to be sure, because international stocks typically pay better dividends than their U.S. counterparts.
IN PICTURES: 20 Tools For Building Up Your Portfolio
Let's Examine An International Dividend ETF
We picked an international dividend ETF that doesn't get a lot of attention to see what some of its individual holdings might have in store for income investors. That ETF is the PowerShares International Dividend Achievers ETF (NYSE: PID). PID is laden with financial-services stocks, as that group accounts for more than 30% of the ETF's holdings. It offers geographic diversity with Chile, Russia and the U.K. all represented in the top 10 holdings.
PID has outperformed the S&P 500 by about 10% on a year-to-date basis. While the expense ratio is reasonable at 0.57, PID's yield isn't anything to write home about at 2.4%. With that, we found a few candidates among PID's top holdings that may be worth a look:
Mobile Telesystems (NYSE: MBT) - market cap: $20.3 billion; yield: 5.2%
National Grid (NYSE: NGG) - market cap: $26.2 billion; yield: 6.5%
Banco Santander (NYSE: STD) - market cap: $150.5 billion; yield: 4%
A Russian Dividend To Love
Russian stocks have been on fire in 2009, and Mobile Telesystems is no exception. Shares in Russia's most widely used mobile phone provider have more than doubled year to date. The company recently reported a 4.3% drop in third-quarter earnings, but that was better than the 11% drop analysts had expected.
The shares were recently upgraded to "buy" from "neutral" by UBS, and the company was removed from Standard & Poor's CreditWatch list, where it was placed with negative implications in April. The outlook is now stable.
Those are small positive catalysts, but the real allure, beyond the rapid potential gains offered by Russian equities, is the handsome yield on Mobile Telesystems shares of 5.2%, which is good for an annual payout of $2.71 a share.
Power Up With This Dividend Payer
If utilities are known for one thing beyond being boring stocks (usually), it is their noteworthy dividends. U.K.-based National Grid certainly fits the bill when it comes to sturdy payouts. Although the company is based in England, it does serve customers in New York and New England as well. The company has 11 million customers in its home country and 5 million here in the U.S. S&P said it believes National Grid's shares look attractive, and there is a chance for an 8% dividend hike. Even without an increase, the current yield of 6.5% is inviting.
Banking On A Familiar Name
Banco Santander is a name we've highlighted several times. It is Europe's biggest bank, and the stock is up more than 80% year to date. That's an impressive feat given that Spain's economic growth has lagged that of the Eurozone. Santander recently spun off part of its Brazilian unit in an IPO, raising $7 billion in the process, but the parent company still owns a big enough chunk that Brazil is a market worth watching with regard to Santander. It's the No.3 bank there and made about 20% of its profits for the first half of 2009 from Brazil.
Santander is more than just Europe and Brazil. The company's Sovereign Bank is in the U.S. as well, so it is well positioned for global profit growth. Santander recently said it is attracting deposits at twice the rate it is making loans, and that's a good sign. The 4% yield is nothing to sneeze at either.
Bottom Line: ETF Or Stocks?
If you can't afford to own all three of these stocks but you want the exposure, then the International Dividend Achievers ETF is your best bet. A strategy worth considering may be owning Mobile Telesystems individually and the ETF because MBT is a volatile stock with the potential for quick capital appreciation, and it only makes up about 2% of the ETF. Most of PID's holdings are fairly conservative, so the ETF can act as a hedge against MBT's wild price swings. (To learn more, see our Investopedia Special Feature: Exchange Traded Funds.)
Use the Investopedia Stock Simulator to trade the stocks mentioned in this stock analysis, risk free!


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Pat McKinney for South Carolina Lt. Governor
The primary is just around the corner in South Carolina. If you have not made up your mind who to support, let me suggest Pat McKinney. I mentioned on twitter a while back I was supporting Pat, but then hit a lot of travel and vacation and never got to posting here. I want to make sure you guys in South Carolina know, though, that | Read More »
Tags: Pat McKinney, South Carolina


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Swinburne Workshop: Minnesota Multiphasic Personality Inventory (MMPI-2) Training
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6 2013
Saturday, 6 July 2013 9:00 AM to 5:00 PM
Swinburne Workshop: Minnesota Multiphasic Personality Inventory (MMPI-2) Training
This workshop, presented by Dr Maja Nedelijkovic, provides an introduction to the Minnesota Multiphasic Personality Inventory (MMPI-2). Participants will gain an understanding of the theoretical aspects of the test as well as practical information regarding the use of the test in clinical practice. This includes a step-by-step guide for analysing and interpreting test results and a discussion of the application of the test in various clinical settings.
For more information please phone 9214 5528 or email Lauren Rossi: email@example.com


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Brad Jones was one of those teenagers who put the "all" in all-around athlete.
Participating in as many as four sports at tiny Montezuma High School 25 miles north of Terre Haute, Jones in time parlayed his talents into eight varsity letters at Franklin College.
Oddly, it's a sport the former Jones didn't take up until he was in his mid-20s that landed him in a Hall of Fame.
The Franklin resident was among those inducted March 15 into the Indiana ASA/Wayne
L. Myers Softball Hall of Fame in Bloomington.
Jones played guard for the Grizzlies' men's basketball program in the winters from 1984-88. Come spring, he would step almost immediately into the role of shortstop/pitcher for the Franklin College baseball team.
A desire to remain competitive athletically steered Jones to slow-pitch softball in 1991. In the years since, he's played shortstop for teams from Indiana, Ohio, Illinois, Kentucky and Missouri. His travels have taken him to 22 states, and he's been part of six national championship teams.
Jones, 47, also has been named All-American several times during his career.
Name: Brad Jones (pictured)
Age: 47
Born: Clinton
Family: Wife, Missy; sons, Trey, 13, and Tyler, 8
High school: Montezuma (1984)
College: Franklin College (1988)
Favorite TV show: "Parenthood"
Favorite food: Pasta
Favorite movie: "Remember the Titans"
Favorite athlete: Larry Bird
Favorite team: St. Louis Cardinals
However, hearing from the Hall of Fame is the ultimate.
"I've been to a lot of these ceremonies, so it was kind of shocking when I got the text in December. It's very humbling," said Jones, the business office manager at Franklin College. "To me, this is neat because it's not really an individual honor. You have to be on good teams that have done well.
"One of the cool things to me is I got to go in with one of my teammates (Dennis Buis)."
Yet long before Jones embarked on a hall of fame softball career, he established himself as one of the top players in the history of the Franklin College men's basketball team.
Jones scored 1,263 career points for the Grizzlies basketball, which ranks 20th on the their all-time list.
The eight 3-pointers he made in a game against Marian University his senior season remains a program standard, later duplicated by Jim Sigler in 1999-2000. Jones also shares the single-season record in 3-pointers (72) with current Grizzlies' assistant coach Jarrod Brett (1997-98).
"Brad was one of the most impressive, productive players we've had in my 31 years here," said Franklin basketball coach Kerry Prather, who laughs thinking back to phone conversations when he had to explain to the kid from the country how to get around Interstate 465 in order to reach campus.
"From the day I met him until today, he's just the most rock-solid person you would ever want to meet," Prather said. "A great leader by example, on the court and off the court."
Off the court, softball became his post-college athletic passsion. Initially, the 20-something version of Jones figured he would play competitive softball for a few years before locating different outlets for his desire to compete.
More than two decades later, he continues to take his cuts.
"There's plenty of travel. Most of the bigger tournaments are in Florida, Las Vegas or Texas, but there is real good softball being played in the Midwest," said Jones, who tries to incorporate his wife, Missy, and two sons into as many trips as possible.
"I used to laugh with my buddies, telling them I would never play past 35," Jones said. "I just still really enjoy my teammates and the competitiveness. Everyone kind of fights for each other.
"Growing up like I did,it's hard to give up the team atmosphere."


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Bankruptcy Law
Bankruptcy Law Questions? Ask a Bankruptcy Lawyer Now.
Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.
There are many not-for-profit agencies that can help you. Avoid the for-profit ones though. Check with the BBB.
They can help you negotiate with the creditors, offering a reasonable payment plan based on your current budget.
They can also negotiate settlements too, if you want to go that route.
You may want to at least talk to a local bankruptcy attorney, many of my clients don't realize the minimal impact a case would have, and the many positives and advantages to filing.
Most people are back on track just a few months after the case.
Either way, talk to professionals to review your situation, most will offer free consultations.
Let me know what questions you have
Do you have any questions?
You may have stepped away. Let me know what questions you have,and I'll answer them once notified. Thanks
I can't chat. I really can only go back and forth on the regular question answer method. However, I'm trying to get financial guidance on my situation described in my original question.
Ok, I will change it to Q&A.
What questions do you have?
I realize a free consult with a legit bankruptcy lawyer would help. However, what I was hoping to understand is these debt consolidation advertisements I hear on the radio. I don't want to get hooked into a scam or make a decision that will adversely effect future finances. And bankruptcy I believe should be avoided if at all possible. Recovering credit worthiness that's not really that bad at the moment, is probably not worth the time. It's just a matter of squeezing these bills into something actually doable. Can you recommend any non-profit companies or for profit companies that are reputable, or is there any other advice you can provide in this vein?
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided "as is". To view the verified credential of an Expert, click on the "Verified" symbol in the Expert's profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).


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Dear GATK team, From what I read on the forum, it seems that HaplotypeCaller call variants (and perhaps calculates RGQ) using soft-clipped parts of the reads? Is there a parameter to suppress this behavior, making it throw out the soft-clipped proportions before calling? Best regards, Ray
I was softclipping some 84-bp-long single end reads using the following command:
java -Xmx2g -jar /GATK_Path/GenomeAnalysisTK.jar -T ClipReads -I imput_file.bam -o output_file.bam -R $ALIGNREF --cyclesToTrim "1-4,80-84" --clipRepresentation SOFTCLIP_BASES --fix_misencoded_quality_scores
There was no error while running, but when I looked at the file afterwards, every read had a cigar string of 84S. I'm fairly sure this is a bug. I was aligned to the human mitochondrial genome.
I am using GATK v2.3-9-ge5ebf34 on Mac OS 10.75
Hi, Some aligners produce Smith-Waterman alignments and may soft clip bases from a read when there are indels or mismatches near the ends of the reads. I was wondering if you include these bases in the realignment process? And if not whether you might consider making it an option? Thanks, Colin


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Tuesday, March 4, 2014
Four Practical Dividend Ideas for my SEP IRA
In early February, I made a contribution to my SEP IRA for 2013 income, in order to reduce those taxable liabilities. I purchased shares in the following four companies, and tweeted about it:
General Mills, Inc. (GIS) produces and markets branded consumer foods in the United States and internationally. This dividend achiever has managed to increase dividends for 10 years in a row. Over the past decade it has managed to boost dividends by 9.90%/year. Currently, the stock is attractively valued at 18.50 times earnings and yields a safe 3.10%. Check my analysis of General Mills.
Diageo plc (DEO) produces, distills, brews, bottles, packages, and distributes spirits, beer, wine, and ready to drink beverages. This international dividend achiever has managed to increase dividends since 1998. Over the past decade, Diageo has managed to boost dividends by 6.40%/year in British currency. Currently, the stock is fairly valued at 19 times earnings and yields 2.30%. Check my analysis of Diageo.
ConocoPhillips (COP) explores for, produces, transports, and markets crude oil, bitumen, natural gas, liquefied natural gas, and natural gas liquids on a worldwide basis. This dividend achiever has managed to increase dividends for 13 years in a row. Over the past decade ConocoPhillips has managed to boost dividends by 15.70%/year. Currently, the stock is attractively valued at 9 times earnings and yields a safe 4.30%. Check my analysis of ConocoPhillips.
McCormick & Company (MKC), Incorporated manufactures, markets, and distributes spices, seasoning mixes, condiments, and other flavorful products to retail outlets, food manufacturers, and foodservice businesses. This dividend champion has managed to increase dividends for 28 years in a row. Over the past decade McCormick has managed to boost dividends by 11.40%/year. Currently, the stock is overvalued at 22.50 times earnings and yields a safe 2.20%. Check my analysis of McCormick.
Dividend paying stocks are the most practical means to put money to work for individual investors. It is not that difficult to comprehend that if you put your money to work in quality dividend machines that manage to simultaneously grow earnings and send a growing stream of income to shareholders, you have a high chance of achieving your financial goals. It is also not difficult to understand that companies that manage to deploy their cash at high rates of return, send excess cash flows to dividends, and still grow the bottom line, will become more valuable over time to investors. Therefore, those investors who manage to snag those quality dividend growth companies at fair valuations in their diversified portfolios will be able to leverage the power of compounding at its fullest. Therefore, dividend growth stocks are ideal not only for current retirees who desire an inflation proof source of income, but also for those who are in the process of accumulating their nest egg.
In my interactions with ordinary investors, I have come to realize that there are two groups out there. One of them instantly gets the benefits of dividend growth investing, while the other group spends their time debating against this strategy. The second group debates against dividend growth investing largely by focusing on outliers or academic knowledge which works on theory, but is short on providing results in the real world that all of us operate under.
At some point, debating just for the point of debating becomes pointless and actually dangerous, because it prevents investors from starting their investment journey. At the end of the day the most important thing for investors is to actually get started and learn the rules of the game along the way. If someone always keeps looking for the strategy that only produces best case results, and they are not comfortable taking any risk, they would never launch their investing career and possibly never earn enough to retire.
My goal is to make money in the real world, and find the way that would ensure a stream of income that grows above level of inflation, which is stable, and recurring, and would make living off my nest egg easy with the least amount of complications. I have found that the perfect method for monetizing my assets is by living off dividends in retirement.
Full Disclosure: Long COP, DEO, GIS, MKC
Relevant Articles:
- Six Dividend Paying Stocks I Purchased for my IRA
- My Retirement Strategy for Tax-Free Income
- Six Compounding Machines for Long Term Dividend Investors
- The Warren Buffett Argument Against Paying Dividends
- Why Dividend Growth Stocks Rock?
6 comments:
Have you ever considered a dividend mutual fund such as Vanguard Dividend Appreciation? If you have "admiral shares" ($25,000 or more) you pay only 0.1% fees. All dividends and cap gains re-invested in more shares. Diversified, easy and cheap. What's not to like?ReplyDelete
Hi Jim,ReplyDelete
I prefer to select my own companies, and buy them only at attractive valuations. I do not see the reason to buy an index and pay money every year, for essentially the same companies I can hold with a small or minimal commissions.
Particularly with $25,000, you can create your own dividend ETF with 25 - 30 companies, and pay very little in commissions during setup. You can choose whether to reinvest your dividends or not.
Did COP just freeze their dividend?ReplyDelete
Thanks for your reply. I really enjoy your articles. I have my own discount broker account and consider many of the stocks you review. I put my kids in the vanguard mutual fund because they (hopefully) won't be touching it for a very long time and I don't have to worry about it. Keep up the good work!ReplyDelete
I don't think COP has frozen dividends. They last raised them in July 2013.
Glad you liked response. Now if you were leaving the money to someone that is not interested in investments, then a mutual fund might work out. However, a diversified portfolio of 30 companies would likely do equally well if it is not touched.
I don't think COP has frozen dividends. They last raised them in July 2013.
Glad you liked response. Now if you were leaving the money to someone that is not interested in investments, then a mutual fund might work out. However, a diversified portfolio of 30 companies would likely do equally well if it is not touched.
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Acura RLX Hybrid Picked As Their Second-Gen Autonomous Test CarPosted
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Waving goodbye to the large spinning Lidar sensor, Acura's latest automated development vehicle has been introduced in California.
2016 Acura RLX Gets More Standard Features In Hopes Of Drawing More BuyersPosted
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All-New Honda Legend Is Japan's Acura RLXPosted
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The fifth-generation Honda Legend has just been unveiled in Japan, but to our US-based readers there's nothing "all-new" about it.
Acura Morphs Robot into Horse then Into Car in Latest PromoPosted
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In a dim and b(l)eak-looking world, where there are almost no more horses left and people pass the time by betting on galloping robotic reconstructions of the now-almost-extinct animal, Acura trots onto the scene in flesh and blood form, being victorious in the end.
Acura Lets Seinfeld Write 8 Commercials for the 2014 MDX and RLXPosted
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Acura released a fresh batch of commercials that will debut on Season 3 of Jerry Seinfeld's "Comedians in Cars Getting Coffee" web series, premiering on January 2, 2014. Written in a retro 1960s-style as a spoof of old-time advertising, the eight ads were directed by Barry Sonnenfeld, famous for his work in the Men in Black movies.
New 2014 Acura RLX Recalled Over Fear of Untightened Rear Suspension BoltsPosted
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Some nine months after sales of the brand-new 2014 Acura RLX began in the States and the Japanese carmaker has issued a voluntary recall for 7,387 cars to replace rear suspension bolts that may not have been tightened properly.
New Acura ILX and RLX Receive SEMA Show TreatmentsPosted
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Honda's near-premium division Acura has yanked the covers off three customized sedans at the SEMA aftermarket show, including the RLX VIP Sedan crafted by Evasive Motorsports, the RLX Urban Luxury Sedan and Street Performance ILX, both made by MAD Industries.
Range Topping Acura RLX Sport Hybrid SH-AWD Coming to LA Auto ShowPosted
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The most powerful Acura sedan ever, the new RLX Sport Hybrid SH-AWD, will make its formal premiere at the Los Angeles Auto Show on November 20, 2013, some six months after the market launch of the base version of the lineup that sports a 310HP 3.5-liter V6 driving the front wheels.
Acura Prices All-New 2014 RLX Flagship from $48,500*Posted
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We already saw the new RLX at the 2012 Los Angeles Auto Show, but at this week's Detroit event, Acura announced that sales of the car will begin on March 15, with prices for the front-wheel drive model with a 310hp 3.5-liter V6 ranging from $48,450 to $60,450, excluding a destination charge* of $895.
Acura's New RLX Sports 20 Beams of Light on its Headlamps [w/Video]Posted
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Sad but true; the only exterior feature we found worthy of a note on the new 2014 Acura RLX that made its world premiere at this week's Los Angeles Auto Show and which will be sold in Japan as the new Honda Legend, are its so-called "Jewel-Eye" LED headlamps.
The rest of the car in terms of styling might as well be a puffed up $50k Honda Accord or if you prefer, a longer and duller looking version of the Acura ILX, which itself, is a glorified Honda Civic under the sheetmetal.
Acura's New 2014 RLX Flagship Sedan Breaks Cover at LA Auto Show [Updated]Posted
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It's no secret that Acura is having a hard time positioning itself between parent company Honda and pure luxury carmakers, but the Japanese brand is once again trying to gain a foothold in the executive sedan category with the new 2014 RLX that was unwrapped today in Los Angeles.
Acura had previewed the new RLX with a thinly disguised concept model at this year's New York Auto Show. Not much has changed since then, with the production version of the RL's replacement simply gaining different trims for the bumpers and smaller wheels than the concept study.
For the first time, we see the interior of the RLX. Despite the use of the usual upscale leather materials and wood trims, the overall design brings to mind that of the latest Accord, which isn't something you want to see in a model of this category and price.
Among other interior comfort and convenience features that can be found in the new RLX are dual screens (just like the Accord…) including an 8-inch Navigation screen and a 7-inch On-Demand Multi-Use Display touch screen, plus push-button start, power tilt and telescoping steering, power sunroof, tri-zone automatic climate control, and Bluetooth HandsFreeLink.
Breaking: Honda Confirms New Civic Type R, Jazz / Fit Based Small SUV and Sports RoadsterPosted
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There's a whole lot of news - but unfortunately, no pictures, coming out today from Honda's headquarters in Japan where the company's CEO Takanobu Ito outlined the product, technology and business developments through 2015.
We are going to start with the new Honda Civic Type R sports hatchback based on the European market model that is currently undergoing development for an introduction in 2015.
Honda said that this model is designed specifically for the European market, though we could see it being exported to Japan at some point. More importantly, the Japanese carmaker's CEO stated that the Type R is being developed "with the goal of becoming the fastest front-wheel-drive vehicle on the Nürburgring race course".
On a more global note, Ito said that Honda will roll out an all-new replacement for the Fit, also known as the Jazz in Europe, in 2013. Within two years after the initial market presentation, the Japanese automaker will launch a small SUV model based on the underpinnings of the new Fit/Jazz as well as a replacement for the related City small sedan.
Acura Preparing Mild Facelift for 2013 ZDX CrossoverPosted
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Some three years after the ZDX's world premiere at the 2009 New York Auto Show and a little less since it went on sale in the U.S. towards the end of the same year, Acura's attempt to replicate BMW's success with the X6 has proved to be a sales flop delivering a mere 1,564 units in 2011.
It's even worse this year as Acura has sold only 416 examples of the ZDX crossover during the first six months of 2012, down 56.21 percent over the same period in 2011.
Nevertheless, Acura will try to improve the ZDX's position in the market with a mid-cycle refresh for the 2013 model year that will bring a light exterior makeover along with new technology features.
Honda to End Production of Acura RL-Based Legend and Accord-Based Inspire in JapanPosted
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Honda will cease local production of the Japanese market versions of the current Acura RL and Honda Accord sedans, which are sold in the Land of the Rising Sun as the Honda Legend and Inspire respectively, at the company's plant in Saitama Prefecture at the end of June, Japan's Kyodo news reported.
2013 Acura RLX Concept Sedan Sports New V6 Hybrid System with 370HP and 30mpg CombinedPosted
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At the 2012 New York Auto Show, Acura revealed the new RLX, which may carry a concept moniker, but we all know that it's a thinly disguised version of the production model slated for launch in North America at the beginning of 2013.
The RLX will replace the RL as Acura's flagship model in a segment that the company has constantly failed to deliver.
The Japanese brand's full-size sedan has approximately the same length as the current RL, but comes with a two-inch longer wheelbase and two-inch shorter front overhang, while both the track and vehicle width increase by around two inches.
The styling builds on Acura's so-called 'Keen Edge' design motif, as seen on the smaller ILX. The concept's stance is accentuated by a set of 20-inch forged aluminum wheels shod in 255/35 R20 high-performance tires, which is probably one of the few elements on the concept that won't make it into production.
First Official Picture of New Acura RLX Flagship Sedan ConceptPosted
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Acura told us that the big reveal of its flagship sedan concept would take place at the New York International Auto Show at 1:50 PM (EST), but the first official image of the car we will come to know as the RLX has already hit the interwebs, courtesy of the VWvortex forum members.
We only have a single image in our hands right now, but from what we can tell, like many other recent Honda and Acura concepts such as the Detroit Show Accord Coupe, the RLX is virtually production ready.
The RLX, which will replace the aging RL in Acura's lineup, seems to borrow its design DNA from the smaller ILX sedan, albeit with the wheel arch kink flipped the other way around.


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Manifesta 10 Will Remain in Russia, in Spite of Petitions and Military Action
The leaders of Manifesta 10 will not heed calls to relocate the upcoming exhibition, slated to run at St. Petersburg's State Hermitage Museum from June 28–October 31, despite Russia's anti-gay laws and the country's recent military incursion in neighboring Ukraine's Crimea Peninsula.
A statement issued by Manifesta curator Kasper König, Foundation Manifesta director Hedwig Fijen, and Hermitage director Mikhail Piotrovsky defends the decision to move forward as planned with the biennial, saying: "We were invited by the State Hermitage Museum to investigate the notion of contemporary art and culture in a contested society, and we think it is necessary to continue to do so under the current circumstances."
The statement continues, asserting that keeping the exhibition in Russia does not imply support "for Russia's present political and military actions."
Manifesta was last held in 2012 in Genk, Belgium, and will travel to Zurich for its eleventh edition in 2016.
Sarah Cascone


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You flip through the magazines all the time and judge what the stars wear. It's even better when two stars are wearing the same design. I get that some designers, like Marchesa, like to recycle a certain design until it becomes synonymous with the brand, but sometimes it's just too easy to decide who wore it best.
And who'd have thought that Fergie would wear the same Givenchy dress as Lala Anthony? That's one busy print.
Also in the gallery for you to pit against each other: Jennifer Lopez, Brooklyn Decker, Blake Lively, Jennifer Lawrence, Stacy Keibler, Demi Lovato, Olivia Wilde, Georgina Chapman, Vera Farmiga, Eva Longoria.


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With Berkshire Hathaway's (NYSE:BRK.A) annual report in hand and the recent deal for Lubrizol (NYSE:LZ) still in the news, there is once again a fair bit of interest in speculating on what sorts of companies Warren Buffett would (or does) like. Though specific predictions of Mr. Buffett's moves are more often wrong, there are a handful of non-bank financial services stocks that investors may want to consider with an eye towards their franchise value and difficult-to-replace market niches. (For more, see Emulate Buffett For Fun And Profit - Mostly Profit.)
Making Payroll Services Pay
Automatic Data Processing (NYSE:ADP) and Paychex (Nasdaq:PAYX) do more than just handle payroll (for large and smaller companies, respectively), but that is their signature business lines. There is a lot here that an investor seeking to emulate Warren Buffett should find attractive. (For more, see Buffett Picks To Coattail.).
This is a recurrent fee-collecting business; people get paid on a regular schedule and these companies can collect a small fee every time they do. It is also a bet on the recovery and prosperity of the country; more jobs means more payroll and more demand for payroll services (and Buffett is a noted optimist on the long-term prospects of the U.S. economy). Last and certainly not least, each company produces a "float" of money, money paid to the companies for payroll but not yet disbursed to employees, that can be profitably invested.
Title Insurance: A New Play on a Familiar Theme
Most Buffett-watchers are aware of the significant role that insurance operations have had in building Berkshire Hathaway into what it is today. Although the company has not been quite so active in acquiring insurance companies in recent years, title insurance could be an attractive opportunity.
Title insurance basically shields home owners and lenders from the risk that a piece of property does not have a clean and proper title; said differently, title insurance serves as a backup to insure that the title is accurate and the owner has access to the property (and that the lender has a valid claim in the cause of default). (For more, see 10 Hurdles To Closing On A New Home.)
Unlike property and casualty (P&C) insurance or reinsurance, where claims are routine and expected, title insurance companies typically only pay out a small portion of their premiums as claims. Or at least that was how the business used to operate, before the greed, sloppiness, and dishonesty of the housing bubble created problems throughout the system.
Like many businesses tied into housing and mortgage lending, title insurance is a business that is getting better but still ailing. Leading title insurance companies like Fidelity National (NYSE:FNF), Old Republic (NYSE:ORI) and First American (NYSE:FAF) all trade below book value today (accounting book, not tangible book), while typically trading at about a 20% premium to book value in more normal times.
Tutorial: Intro To Insurance
Information Is Power
Warren Buffett famously likes businesses that have built a monopoly or near-monopoly through the quality and significance of their products and services. In terms of financial information services, Factset (NYSE:FDS) and Bloomberg come to mind as premier providers of expensive subscription-based services. It is hard to call Factset cheap on its fundamentals (and Bloomberg is a private business), but it produces ample recurrent cashflow and its customers tend to be quite sticky. What's more, Factset is still actually quite small and has many potential avenues for organic growth and expansion.
Bottom Line
Apart from the title insurers, none of these stocks may pop out as "Buffett-cheap." That said, commentators about Buffett's investment strategy often grossly over-simplify and misunderstand his approach to value and valuation (as seen by the howling and second-guessing of his Burlington Northern buy a while ago). To put a finer point on it, Mr. Buffett has never shown himself to be willing to be tied down to notions like P/E or EV/EBITDA when approaching the value of a business; the quality of the assets also matter and businesses that offer near-monopolies or low cost of capital are often worth more than simple ratios suggest.
Investors should not buy any of these stocks on the idea that Berkshire Hathaway will acquire them. Consider buying them instead for their own inherent qualities - qualities that Buffett has said he admires and that often produce years of value for patient investors. (For more, see 4 Lesser-Known Companies Buffett Owns and Buffett Brings Lubrizol Into The Fold).


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Simon Kramer Institute hosts celebration of life
NEW PHILADELPHIA - It was the perfect day to celebrate life.
Sunny skies and warm temperatures Sunday brought the largest crowd yet for the annual Cancer Survivors Celebration of Life at the Simon Kramer Institute.
"It's just such a nice day and we are pleased with the crowd," Robert Beauvais, director of operations at Simon Kramer, said Sunday.
Beauvais said the event, now in its third year, is used to raise awareness about cancer and funds for The Educational and Scientific Trust of the Simon Kramer Institute, a nonprofit organization dedicated to cancer awareness, screening, promoting early detection and professional education in Schuylkill County and the surrounding areas.
"The Cancer Survivors day picnic is really a celebration of life," Beauvais said. "It recognizes all those who survived cancer and those who have gone before us who have fought cancer."
A white dove was released at the event Sunday in memory of John Anczarski, the 19-year-old cyclist from Ringtown who died June 21, 2010, after he was hit by a vehicle near Albuquerque. Anczarski was cycling cross-country with friends as part of "The Pink Pedal" to raise money for breast cancer research.
David Truskowsky, deputy coroner and director of Louis D. Truskowsky Funeral Home & Crematory Inc., Mahanoy City, said he wanted to honor the memory of Anczarski.
He said he first saw a dove released at his grandmother's funeral.
"I was so moved I wanted to do it for as many families as I could," Truskowsky said.
There is also a tree out in front of the Simon Kramer Institute that was dedicated to the young cyclist last year.
Dr. David Moylan, Schuylkill County coroner and medical director at the institute, also announced the opening of a fitness center at the facility.
"We are about to enhance on some of our wonderful programs at the Simon Kramer Institute," Moylan said. "Part of our mission is to promote healthier living in both our patients and the people in the area."
Moylan said the Advanced Sports Development Rehab, Health and Sports Facility will be on the second floor of the former Blythe Township High School building and will be open to the public.
Owners Jason Hubble and Mario Barrantes, Allentown, were at event to talk about their plans.
Barrantes described it as a "doctor-run facility." He said physical evaluations will determine specific programs for individuals. There will also be programs designed for all athletes and age groups. The plan is to have the facility open by November.
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