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Everything you need to know as a first-time student.
Information and support for postgraduate study.
Courses, supervisors and your life as a researcher.
Discover our campuses, courses and entry requirements.
Step-by-step application guides for our courses.
Get financial support for your studies. Find a scholarship that's right for you.
Options like part-time, external and online study can help you tailor how you learn.
Our executive education courses give you the skills you need to lead in a fast-paced world.
Boost your career or extend your skills with a short course or unit.
Our free online courses are open to everyone.
Our internationally recognised research is supported by state-of-the-art research infrastructure.
Considering research with us? Here's what to expect.
Browse our experts or find a supervisor.
PhDs, research masters and professional doctorates.
Apply for scholarships for research study, or competitive grants as a professional researcher.
Our researchers work in supportive and established networks.
We value and promote integrity and ethical responsibility in all research we conduct.
Our strengths and areas of focus in research.
A selection of world-class research from our research centres and groups.
We collaborate with industry partners to research solutions for real-world problems, and to give our students hands-on experience in the workplace.
Work with our students and graduates, sponsor scholarships, prizes or events, or become an industry partner.
We offer commercial research and consultancy services, research commercialisation, and workplace training and development.
We're working with a range of industry partners and collaborators.
Our customised executive education equips your employees with tools and inspiration to give your organisation a real edge.
We offer short courses to help you advance your career and expand your skills.
Boeing Australia have collaborated on projects with us and provided sponsorship, and their staff have taught in our avionics program.
We are a highly successful and globally positioned Australian university with an applied emphasis in courses and research.
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Our graduates run successful businesses, conduct ground-breaking research and make significant contributions to their communities.
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Get involved with QUT by engaging with and supporting our current students.
Once you've graduated, we encourage you to keep in touch with the QUT community and your fellow alumni.
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Award-winning singer-songwriter and ARIA-nominated artist Kate Miller-Heidke is the 2016 QUT Alumnus of the Year.
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Is our tech-laden modern world wearing out your eyes? QUT eye health researcher and optometrist Associate Professor Scott Read says it's a case of not just stopping to smell those flowers, but having a good look at them too.
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Eighteen female koalas treated with an anti-chlamydia vaccine are showing positive results, giving QUT scientists hope they have an answer to the disease that is threatening the survival of koalas in the wild.
Professors Peter Timms and Ken Beagley from Queensland University of Technology's Institute of Health and Biomedical Innovation (IHBI) said the vaccinated koalas, which are at Brisbane's Lone Pine Koala Sanctuary, were mounting a good response to the vaccine.
"A good T-cell immune response is essential if the vaccine is to be effective," Professor Timms said.
"This initial trial will measure only the animals' immune response and will not involve any live chlamydial infections.
"If all goes well with this trial our future studies will evaluate the vaccine on sick and injured koalas brought in for care, relocated animals, and koalas in other sanctuaries.
"As many as 25-50 per cent of koalas coming into care in both Queensland and NSW are showing clinical signs of the disease and it seems to be getting worse."
The researchers have also been working on developing a vaccine for the sexually transmitted disease chlamydia trachomatis in humans for many years.
"We've been able to develop the vaccine for koalas as a result of our studies on the development of human chlamydial vaccines done in the mouse model. We identified several novel vaccine proteins that we are trialling to protect koalas as well," Professor Beagley said.
He said chlamydia in koalas was a significant cause of infertility, urinary tract infections, and inflammation in the lining of the eye that often led to blindness.
"The number of koalas with chlamydia seems to be increasing and when combined with habitat destruction, chlamydial disease continues to be a major threat to koalas' survival," he said.
Professors Timms and Beagley said that despite the importance of developing a vaccine against chlamydia for koalas the team was struggling to raise enough funds to continue their work.
Media contact: Niki Widdowson, media officer, 07 3138 1841, 07 3138 1841 or firstname.lastname@example.com.** High res photo of Professor Timms and koala available for media use.
Professor Peter Timms and koala patient


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713-942-3461 firstname.lastname@example.com
Dr. Glenn Garrido, new chair of the Music Department at the University of St. Thomas, started his semester by conducting the Civic Orchestra of Milan on Sept. 8 at the Court of Honor of the City Palace, or Palazzo Marino, in Milan, Italy. Garrido was the first U.S. citizen to guest conduct the more-than-150-year-old Orchestra.
"The program was well-received," Garrido said. "When you have an experience like that, you grow professionally. Your capacity and intellectual level expands because you're experiencing a high-caliber activity. Experiences like this motivate you and make you feel more confident."
The concert, "Made in the Americas," was part of the series "I Concerti Di Palazzo Marino," which featured many international artists from July 9-Sept. 15. Garrido's selections included works by composers from the United States, the Caribbean, Argentina, Brazil and his birthplace of Venezuela. The event was free to the public, and Garrido performed for a full house.
Garrido was celebrated by the Council of Milano for his understanding of the rich culture and music of the Americas. During the last 20 years, Garrido has lived in New Hampshire, Florida and Georgia, and he now lives in Katy, Texas. He relocated when he accepted the job at St. Thomas in August.
"Professionally, it's a big growth in my career, but if you're a teacher, real-life examples are the best for the student," Garrido said. "It brings authentic, first-hand experiences to the students when you are talking about music, history and places when you've actually been there. It's more realistic when you can give them information not in the book."
During his visit to Milan, Garrido went to the opening of the world-famous music festival MITO SettembreMusica 2012, saw the National Orchestra of France and conductor Daniele Gatti, and was the special guest of the Council of Milano to visit "The Last Supper," by Leonardo da Vinci.
Also, Garrido signed an agreement with the Giuseppe Verdi Conservatory to initiate artistic exchanges between UST and the historic musical institution. The exchange will allow UST students to go to the Conservatory to receive two complimentary applied lessons, participate in rehearsals with the choir, band and orchestra, and attend performances on campus. The exchange also includes UST faculty offering clinics at the Conservatory and Conservatory faculty will visit UST to present master classes, play recitals and guest conduct performing groups.
During the Thanksgiving break, Garrido will conduct the Costa Rica Philharmonic in San José, Costa Rica at the National Museum.
Garrido said, after coming back from his trip, he feels full of energy and ideas to start the semester at UST. His ultimate goal is to produce citizens who can serve the Lord and the community through music.
"When you combine music and religion, you are creating a magical formula," Garrido said. "Students can come here and get the discipline and skill they need to serve the Catholic community and the general community."
Educating Leaders of Faith and Character
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New Program for International Legal Studies
DETROIT (Sept. 22, 2009) – Wayne State University Law School is pleased to announce the launch of its new Program for International Legal Studies. Led by recently named Director and Wayne Law Professor Gregory Fox, the Program will kick-off with its inaugural event featuring keynote speaker Judge Bruno Simma of the International Court of Justice (World Court) starting at 4:30 p.m. on Oct. 14, 2009, at Wayne Law.
"Sitting on one of the world's busiest international borders, with a diverse student body and faculty with a broad range of expertise in international affairs, Wayne Law is beautifully positioned to host a program focusing on legal issues that extend beyond our borders," said Wayne Law Dean Robert M. Ackerman. "Professor Fox brings a wealth of knowledge and energy to this Program, and I am confident in his ability to marshal the considerable talents of our faculty to extend our reach."
Wayne Law created the Program for International Legal Studies in recognition of the breadth of the faculty's international engagements and expertise and the fact that nearly all aspects of law now have an international component. From regulation of cross-border financial transactions to controlling pollution that recognizes no boundaries to human rights treaties that regulate how governments treat their citizens, law is now an interconnected global phenomenon.
The Program will coordinate all activities at Wayne Law related to international law. These activities will include hosting a speakers series, sponsoring conferences and symposia featuring leading international scholars and practitioners, promoting research on international and comparative law topics, and providing important resources for Wayne Law students, alumni and friends interested in international law. Additional features will be added in subsequent years.
The Program will capitalize on the Law School's world-renowned faculty who teach and write on international legal issues.
"Wayne's international and comparative law faculty is the foundation on which the work of the new Program will be built," Fox said. "One-third of Wayne's tenured and tenure-track faculty members focus on international and comparative law issues. They have negotiated international agreements, drafted laws for foreign governments, represented governments before international tribunals, founded non-governmental organizations, served as expert consultants to international organizations and represented human rights victims seeking redress in American courts."
He added, "Their experience allows Wayne Law to offer a diverse range of courses in international and comparative law. Few law schools, and certainly few in Michigan, can offer a faculty with so many prominent international law scholars and such a rich array of course offerings. The Program for International Legal Studies is the logical culmination of Wayne's long-standing commitment to making international issues prominent in legal education."
For more information on Wayne Law's Program on International Legal Studies, visit its website at http://law.wayne.edu/international-studies/index.php. Visit http://law.wayne.edu/international-studies/events.php for more information on upcoming Program speakers. Upcoming speakers will address issues such as the controversy surrounding the International Criminal Court's indictment of the sitting President of Sudan, the current deadlock on a new climate change agreement, the closing of the detention center at Guantanamo Bay, and the pros and cons of the United States ratifying human rights treaties such as the Rights of the Child Convention that most other countries in the world have accepted.
Professor Gregory Fox
Professor Gregory Fox joined the Wayne Law faculty in 2002, and is an expert on international and comparative law. He has worked in the litigation department of Hale & Dorr in Boston and held fellowships at the Max Planck Institute for Comparative Public Law and Public International Law in Heidelberg, Germany and at the Schell Center for Human Rights at Yale Law School. Most recently he was a visiting fellow at the Lauterpacht Center for International Law at Cambridge University in Great Britain. From 1992-1995 Professor Fox was the co-director of the Center for International Studies at NYU Law School. He also served as a law clerk to the Honorable Alan H. Nevas of the United States District Court for the District of Connecticut.
Professor Fox was the recipient of a MacArthur Foundation/Social Science Research Council Fellowship in International Peace and Security. That fellowship allowed him to write "The Right to Political Participation in International Law," 17 Yale J. Int'l L. 539 (1992) – one of the 10 most cited articles ever published in the Yale Journal. He is the editor (with Wayne Law Professor Brad Roth) of Democratic Governance and International Law (Cambridge 2000) and the author of Humanitarian Occupation (Cambridge 2008). He has also published on the development of democratic institutions in post-conflict states and the role of the U.N. Security Council in promoting democracy.
Professor Fox has served as counsel in several international cases. He was co-counsel to the State of Eritrea in the Zuqar-Hanish Islands arbitration with the Republic of Yemen, which determined the status of a group of islands in the southern Red Sea. He also represented a group of Eritreans in U.S. federal court who were forcibly deported from Ethiopia in 1998 and had their property confiscated by the Ethiopian government.
He earned a B.A. with highest honors and Phi Beta Kappa from Bates College and a J.D. from New York University.
About Wayne Law
Wayne State University Law School has educated and served the Detroit metropolitan area since its inception as Detroit City Law School in 1927. Located at 471 West Palmer Street in Detroit's re-energized historic cultural center, the Law School remains committed to student success and features modern lecture and court facilities, multi-media and distance learning classrooms, a 250-seat auditorium, and the Arthur Neef Law Library, which houses one of the nation's 40 largest legal collections. Taught by an internationally recognized and expert faculty, Wayne Law students experience a high-quality legal education via a growing array of hands-on curricular offerings, client clinics, and access to well over 100 internships with local and non-profit entities each year. Its 11,000 living alumni, who work in every state of the nation and more than a dozen foreign countries, are experts in their disciplines and include leading members of the local, national and international legal communities. For more information, visit www.law.wayne.edu.


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Ongoing workshop series invites psychotherapy clinicians, faculty, and students to test out theater exercises to enrich their counseling practice.
The young woman fought back tears, as she demanded: "How could you say that to me? Why do you always treat me this way?" She was locked in an impassioned confrontation with her mother, but her mother wasn't in the room. The young woman was addressing her questions to an empty chair.
This exercise, known simply as "The Empty Chair," is one of many drama therapy techniques explored in Theater Beyond Borders, a series of workshops sponsored by Lesley University's Drama Therapy department. As interest in drama therapy has grown, the need for greater dialogue and cross-pollination of ideas among applied theater practitioners has increased. Theater Beyond Borders provides an unparalleled opportunity for theater artists, practitioners, drama therapists, faculty, and students to learn alongside one another in a cooperative, nonclinical setting.
Students particularly value the ability to observe experienced practitioners of drama therapy at work. This is one way to learn the skills needed to corral the powerful emotional responses elicited by exercises such as The Empty Chair, says Leah Beninato, a master's degree student in Lesley's drama therapy program and student coordinator of the Theater Beyond Borders series. "It's important to get a feel for the arc of an exercise—from taking the emotional pulse of the group, to creating a sense of safety, to guiding them through the exercise, and then bringing them back to reality," she says. "These skills are not easy to learn."
Beninato recently completed an internship at Brookview House, which provides afterschool care for children in Boston's Dorchester neighborhood, where she supervised drama therapy sessions with groups of 6- to 12-year-old girls. "Whatever emotions the kids need to process never stay inside for long," she says. "They are like bottles under pressure: the cap is ready to pop off." She says that the girls, who frequently face issues of bullying and acting out in school, take naturally to drama therapy because it is so close to the make-believe games they already play. "Sometimes they just need to jump around and get the energy out, other times they are eager to role play, such as pretending they are guests at a tea party," Beninato says.
She explains that therapists need to know how to read the individual or group, set ground rules, and keep the action from becoming overwhelming instead of therapeutic. And once the exercise is finished, the therapist needs to help participants "zip their emotional lives back inside" in order to resume their ordinary personas. These are the types of skills she has learned through Theater Beyond Borders.
"The workshops provide a forum to ask, 'What else can drama do?'" says Nisha Sajnani, assistant professor of drama therapy at Lesley University. "For centuries, the function of theater, of classical Greek tragedy, was to stir people's collective emotions and bring about catharsis"—defined as the purging or purification of emotions. "Drama therapy continues that tradition of bringing emotions to the surface and giving people the opportunity to experience personal growth and transformation."
Drama therapy is an offshoot of psychodrama, which was conceived in the early 20th century by a psychiatrist familiar with improvisational theater who saw important benefits for his clinical practice. Drama therapy and psychodrama can be used not only with one person but also in a group setting; instead of talking to an empty chair, the person might tap members of the group to stand in for family members or other individuals. The "stage" becomes a laboratory in which to explore scenarios, probe emotions, and gain self-knowledge.
Both psychodrama and drama therapy use improvisation and the sharing of personal stories, but psychodrama deals head on with traumatic incidents while drama therapy employs a more circuitous approach, one that may incorporate myths, storytelling, puppetry, and the use of masks. The stage becomes a "what if" space, to which people bring their unfinished psychological business and reenact scenes that may provide important clues to the problems they are facing. The therapist concludes each exercise with a discussion, like a debriefing, so that the participants can stand back and draw lessons and conclusions.
"Psychodrama and drama therapy give participants an opportunity to view the situation through additional perspectives," Sajnani explains. "By restaging the scenario, people are able to answer the question, 'What else might I have done?' It helps them clarify what is important and what their course of action might have been."
The idea of the stage as a laboratory is at the heart of Theater Beyond Borders.
By understanding the arc of drama therapy— how to make people feel comfortable enough to open up, how to guide their reenactment, and how to help them understand the experience afterward—workshop participants can engage more skillfully with patients and help them gain the self knowledge that can lead to transformation and healing.
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Associate Professor Nisha Sajnani and current graduate students share the healing benefits of Drama Therapy for clients, as well as curriculum goals and professional outcomes for students pursuing graduate study in this Expressive Therapy specialization. Learn more.


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Click for "Microbes After Hours" videos
The Interscience Conference on Antimicrobial Agents and Chemotherapy (ICAAC) is the annual infectious diseases meeting of the American Society for Microbiology. This webpage will broadcast the daily press conferences for the 50th ICAAC being held September 12-15, 2010 at the Boston Convention and Exhibition Center. For more information about ICAAC please visit www.icaac.org. If you are a member of the press visit the ICAAC newsroom.
[ustream asm-live] [uschat asm-live 416 340]
(To ask a question please post it in the chat or tweet @microbeworld. You can also use the hash tag #ICAAC)
Please note: The following schedule is preliminary and subject to change. Participants and more detail for each conference will be posted soon. All participants are invited, not confirmed.
WATCH 10:00 a.m., EDT – NDM-1: The New Superbugs
New Dehli metallo-beta-lactamase-1 (NDM-1) is an enzyme that makes bacteria resistant to a broad range of beta-lactam antibiotics. These include the antibiotics of the carbapenem family, which are a mainstay for the treatment of antibiotic-resistant bacterial infections. According the the United Kingdom's health protection agency, most bacteria carrying the gene for NDM-1 are resistant to all standard intravenous antibiotic treatments for severe infections. First identified in a patient in New Dehli in December 2009, the NDM-1 gene has since been found in infections in the United States, the United Kingdom and Canada. Participants will discuss the growing global threat of NDM-1 as well as late-breaker abstracts describing cases in the U.S. and Canada.
WATCH 11:15 a.m. EDT – Handwashing Survey Results
Mom's advice about cleaning your hands may finally be starting to get through. In the August 2010 observational study sponsored by the American Society for Microbiology and the American Cleaning Institute® (formerly The Soap and Detergent Association), 85% of adults washed their hands in public restrooms, compared with 77% in 2007. The 85% total was actually the highest observed since these studies began in 1996.
WATCH 12:00 noon EDT – Emerging Issues in Infectious Disease
Participants in this session will discuss the latest issues appearing on the horizon for infectious disease researchers including the changing epidemiology of drug resistance in Salmonella, epidemiology and management of extensively drug-resistant (XDR) tuberculosis and the possibility that chronic fatigue syndrome could be associated with a retroviral infection.
WATCH 1:15 p.m., EDT – A Role for Statins in Infectious Disease?
Statins are well-known as a class of drugs that are used to help lower cholesterol but recent evidence suggests they might be good for more than your heart. They may play a role in preventing and treating certain bacterial infections including pneumonia and sepsis. Presenters will discuss the latest research on the potential of these drugs.


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Lochaline Expert
- +
- It's an Ordnance Survey map - what more can you say?
- −
- Don't be daft - it's a map.
|Value for money
|Overall rating
Published on: 01 February 2017
Landranger Map 43 Braemar and Blair Atholl
Perfect for day trips and short breaks, the Landranger series of OS Maps provide 40 x 40km (25 x 25 miles) of clear, easy-to-read 1:50,000 scale coverage, wherever you're heading in Great Britain. Landrangers are overlaid with National Grid squares, so every point in the country can be given a unique identifying number.As well as a good level of geographical detail, the Landranger series displays various places of interest, picnic areas, campsites and tourist information. In addition, Rights of Way information is displayed for England & Wales.
FREE STANDARD UK DELIVERY on orders over £30
Product Features
Alternatively, you might like these
Landranger Map 44 Ballater and Glen Clova
Landranger Map 50 Glen Orchy and Loch Etive
Landranger Map 42 Glen Garry and Loch Rannoch
Landranger Map 20 Beinn Dearg and Loch Broom
Landranger Map 35 Kingussie and Monadhliath Mountains


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hi, i need to buy bees for malaysia. where did you get yours? Prefer apis mellifera ligustica. and how much did u pay? please reply at firstname.lastname@example.com you and regards,aj
yeah thanks i figured that... any suggestions? i'm at wits end on finding bees Italian bees here. any resources would be helpfulThanks!AJ


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Did you guys know you were supporting Mayor Against Illegal Guns ?
Looks like the public is at least partially fundinging these dirt bags.
"]It was bad enough to learn via CBS News that the MAIG website was being hosted on a city-owned server, and administered by city employees," said SAF founder and Executive Vice President Alan Gottlieb, "but it also appears that a special counselor in the mayor's office was sent to lobby in Nevada on behalf of MAIG's gun control agenda."


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where do u get a good mandalorian bucket all iv seen is that rubies site where do u guys get yours
o fyi i have a big head so the one size fits all helms would not work for me hats don't
where do u get a good mandalorian bucket all iv seen is that rubies site where do u guys get yours
o fyi i have a big head so the one size fits all helms would not work for me hats don't
Your best bet for a big head is to get a Rubies 2 piece Jango helmet and fix that up.
cool thanks i though i saw that the mandalorian merks no longer alowed rubies helms
We don't allow the Rubies Boba 1 piece helmet. It's the most expensive of the Rubies helmets, and it's complete junk out of the box. If your going to spend that much time fixing a helmet up, then why spend so much?
o kk gess i read that rong on the merks site
one other question when i make a mando suit do i need 2 have the bulky bracer things every one seems 2 use
i take it your a swg player?
was for a long time thats my helm there have full suit but for the belt and gloves
u play?
yeah it's been a year since a last played
well there has been a little knew stuf u might want 2 take a look
I may have a Sgt. Fang mystery helm for sale (will need a repaint), since it is too big for my fiance' to use for her custom femme-mando.
Lense and ears already installed, but removable.
ok this will sound bad but i dont know what a sgt. fang should go for hell i did not even know what it was untill i looked it up 2day
I'd just ask what I paid for it... $150
i would b temted where i now so brok atm and it would b my first bucket so i might go with the rubies menchhend above just for simplicity and i would not b as afrade 2 break it
Well, I'm not in any hurry to sell it, and you'd have to really try, to end up breaking this bucket. It's cool either way.
kk ill think it over could take a wile though
No problem. Just make sure whatever bucket you go with (Another good option would be the Fettpride budget helmet) you get what you want.
Just like what Sonic just said. Get Fettpride budget helmet. You could not go wrong with it and I believe everybody will agrees.
Helmet IS the MOST important part of the costume.


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UNIVERSITY OF RICHMOND, Va. - Darien Brothers scored 20 points to lead five Spiders in double-figures as Richmond defeated William & Mary 86-78 in double-overtime Wednesday at the Robins Center.
Brothers made his first seven field goals, but his biggest of the night came in the first overtime with the Spiders trailing by five with just over two minutes to play. Junior Cedrick Lindsay drove the lane and kicked to Brothers for a three-pointer that cut the gap to 69-67.
The Spiders were still trailing 71-68 with under a minute left in the first OT, when sophomore Kendall Anthony follwed with an old-fashioned three-point play to tie the game and force a second extra session, during which Richmond never trailed.
Junior Derrick Williams posted his second double-double of the season with 17 points and 11 rebounds. Anthony finished with 15 points, making 9-of-9 free throws, and senior Greg Robbins had 14 points on 6-of-10 shooting.
Lindsay, who returned to the court after missing the last two games with a concussion, made a clutch game-tying three-pointer with 31 seconds remaining in regulation to force overtime. He also had an And 1 layup in the second overtime that started to give the Spiders separation. Lindsay tied his season high for points (12), season-high for assists (6) and career-high for rebounds (6).
Freshman Terry Allen had five points, three rebounds and blocked three shots as Richmond shot 50 percent from the field (28-of-56) and 44 percent from three (11-of-25).
Richmond led for most of the second half, keeping the lead at between four and seven points from the 13 minute mark until a Marcus Thornton jumper with 4:20 left cut the gap to two. A three-pointer by Williams put the lead back to five (61-6) with 3:45 left, but a layup by Tim Rusthoven (20 points) and three-pointer by Brandon Brit (14 points) tied the game.
Three free throws put the Tribe (3-3) up 64-64 before Lindsay sank the clutch three-pointer to begin the first of the Spiders last minute comebacks on the night.
The Spiders host Wake Forest on Saturday at 6 p.m. in the Bank of American Challenge.
NOTES: The Spiders played their first overtime game since a Dec. 20, 2011 win over Old Dominion and was the first double-OT game since a loss at Iona on Nov. 18, 2010...Richmond improved to 66-42 in overtime games, including 8-9 in double-overtime games...Terry Allen made his first career three-pointer...the Spiders shot 90.5 from the foul line (19-of-21)...the game started a strech where the Spiders play four of seven against CAA teams...Richmond improved to 101-97 all-time against the Tribe.


text: Day two of the annual American Red Cross holiday blood drive will be held at the Canandaigua Fire Department, 335 South Main Street, on Friday, December 28, 9:00 am - 3:00 pm. You may be eligible to give blood if you are in general good health, weigh at least 110 pounds, and are 16 or older. Log on to www.RedCrossBlood.org or call 1-800-RED-CROSS (1-800-733-2767) to schedule an appointment to give. Walk-ins are welcome, but appointments are suggested.


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Guggenheim Solar ETF (TAN) seeks investment results that correspond generally to the performance, before the fund's fees and expenses, of the MAC Global Solar Energy Index. TAN generally will invest in all of the securities comprising the index in proportion to their weightings in the index.
as of 3/31/17
as of 3/31/17
All data is provided by Guggenheim Funds Distributors, LLC, Morningstar or Fact Set. Data is subject to change on a daily basis and represents a percentage of the Fund's holdings, excluding cash. The securities mentioned are provided for informational purposes only and should not be deemed as a recommendation to buy or sell.
The Advisor has contractually agreed to waive fees and expenses through December 31, 2019 to limit the ordinary operating expenses of the Fund. The Fund may have net expenses greater than the expense cap as a result of any acquired fund fees and expenses or other expenses that are excluded from the calculation.
The gross expense ratio reflects the fund's actual total annual operating expense ratio, gross of any fee waivers or expense reimbursements as of its most recent prospectus.
1Shareholders may pay more than net asset value when they buy shares of an ETF and receive less than net asset value when they sell those shares, because shares are bought and sold at current market prices.
NAV is the price per share at which each Fund issues and redeems shares. The net asset value per share for each Fund is determined once daily as of the close of the listing exchange, usually 4:00 p.m. Eastern time, each day the listing exchange is open for trading. NAV per share is determined by dividing the value of the Fund's portfolio securities, cash and other assets (including accrued interest), less all liabilities (including accrued expenses), by the total number of shares outstanding.
In general, market price represents what the fund is trading at.
The closing price is the price of the last reported trade on any exchange on which the Fund trades before the market closes, usually at 4 pm Eastern time.
The bid/ask midpoint is the midpoint of the highest bid and lowest offer on the listing exchange at the time that the NAV is calculated, usually 4 pm Eastern time.
The premium/discount is the amount the Fund is trading higher ("premium") or lower ("discount") to its NAV, expressed as a percentage of its bid/ask midpoint to its NAV. A positive number indicates it's trading at premium and a negative number indicates it's trading at a discount.
The MAC Global Solar Energy Index is designed to track companies within the following business segments of the solar power industry: solar power equipment producers; suppliers of materials services to solar equipment producers; companies that derive a significant portion of their business from solar power system installation, integration or finance; and companies that specialize in selling electricity derived from solar power.
P/E ratio is a harmonic weighted average and is equal to a security's market capitalization divided by it after-tax earnings over the most recent 12-month period.
P/B ratio is a harmonic weighted average and is equal to a security's market capitalization divided by its book value.
Alpha is a statistical measurement that depicts the performance difference between a fund's return and an underlying performance benchmark, given a fund's level of volatility, measured by beta. The benchmark will always reflect an alpha of 0.00%. A positive alpha indicates a fund has performed better than its beta would predict in the stated period.
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The Index methodology is published at www.macsolarindex.com. The Index is designed to track companies within the following business segments of the solar power industry: solar power equipment producers; suppliers of materials or services to solar equipment producers; companies that derive a significant portion of their business, measured by the methodology set forth below, from solar power system installation, integration or finance; and companies that specialize in selling electricity derived from solar power. As defined by the Index Provider, solar power includes two main categories:
As of November 30, 2016, the Index was comprised of approximately 22 securities selected based upon the relative importance of solar power within the company's business model. To determine whether solar power is a major component of a company's business, the Index Provider implements the following methodology.
The Index is constructed as follows:
Investors should consider the following risk factors and special considerations associated with investing in the Fund, which may cause you to lose money.
Investment Risk. An investment in the Fund is subject to investment risk, including the possible loss of the entire principal amount that you invest. Equity Risk.
Equity risk is the risk that the value of the equity securities held by the Fund will fall due to general market and economic conditions, perceptions regarding the industries in which the issuers of securities held by the Fund participate, or factors relating to specific companies in which the Fund invests. For example, an adverse event, such as an unfavorable earnings report, may depress the value of equity securities of an issuer held by the Fund; the price of common stock of an issuer may be particularly sensitive to general movements in the stock market; or a drop in the stock market may depress the price of most or all of the common stocks and other equity securities held by the Fund. In addition, common stock of an issuer in the Fund's portfolio may decline in price if the issuer fails to make anticipated dividend payments because, among other reasons, the issuer of the security experiences a decline in its financial condition. Common stock is subordinated to preferred stocks, bonds and other debt instruments in a company's capital structure, in terms of priority to corporate income, and therefore will be subject to greater dividend risk than preferred stocks or debt instruments of such issuers. In addition, while broad market measures of common stocks have historically generated higher average returns than fixed income securities, common stocks have also experienced significantly more volatility in those returns.
Solar Energy Industry Risk. Prices of energy (including traditional sources of energy such as oil, gas, or electricity) or alternative energy may decline. The alternative energy industry can be significantly affected by obsolescence of existing technology, short product lifecycles, falling prices and profits, competition from new market entrants and general economic conditions. This industry can also be significantly affected by fluctuations in energy prices and supply and demand of alternative energy fuels, energy conservation, the success of exploration projects and tax and other government regulations and policies. Companies in this industry could be adversely affected by commodity price volatility, imposition of import controls, increased competition, depletion of resources, technological developments and labor relations. The solar energy industry has experienced an industrywide shortage of polysilicon, which may place constraints on the revenue growth of solar energy companies and decrease such companies' productivity. Solar energy companies may not be able to secure an adequate and cost-effective supply of solar wafers, cells or reclaimable silicon. If government subsidies and economic incentives for solar power are reduced or eliminated, the demand for solar energy may decline and cause corresponding declines in the revenues and profits of solar energy companies. Existing regulations and policies, and changes to such regulations and policies, may present technical, regulatory and economic barriers to the purchase and use of solar power products, thus reducing demand for such products. If solar power technology is not suitable for widespread adoption, or sufficient demand for solar power products does not develop or takes long periods of time to develop, the revenues of solar power companies may decline.
Foreign Investment Risk. The Fund's investments in non-U.S. issuers may involve unique risks compared to investing in securities of U.S. issuers, including, among others, greater market volatility than U.S. securities and less complete financial information than for U.S. issuers. In addition, adverse political, economic or social developments could undermine the value of the Fund's investments or prevent the Fund from realizing the full value of its investments. Financial reporting standards for companies based in foreign markets differ from those in the United States. Finally, the value of the currency of the country in which the Fund has invested could decline relative to the value of the U.S. dollar, which may affect the value of the investment to U.S. investors. The Fund will not enter into transactions to hedge against declines in the value of the Fund's assets that are denominated in a foreign currency. In addition, the underlying issuers of certain depositary receipts, particularly unsponsored or unregistered depositary receipts, are under no obligation to distribute shareholder communications to the holders of such receipts, or to pass through to them any voting rights with respect to the deposited securities. Issuers of unsponsored depositary receipts are not contractually obligated to disclose material information in the U.S. and, therefore, such information may not correlate to the market value of the unsponsored depositary receipt.
Emerging market countries are countries that major international financial institutions, such as the World Bank, generally consider to be less economically mature than developed nations. Emerging market countries can include every nation in the world except the United States, Canada, Japan, Australia, New Zealand and most countries located in Western Europe. Investing in foreign countries, particularly emerging market countries, entails the risk that news and events unique to a country or region will affect those markets and their issuers. Countries with emerging markets may have relatively unstable governments, may present the risks of nationalization of businesses, restrictions on foreign ownership and prohibitions on the repatriation of assets. The economies of emerging markets countries also may be based on only a few industries, making them more vulnerable to changes in local or global trade conditions and more sensitive to debt burdens or inflation rates. Local securities markets may trade a small number of securities and may be unable to respond effectively to increases in trading volume, potentially making prompt liquidation of holdings difficult or impossible at times.
Small or Medium-Sized Company Risk. Investing in securities of small or medium-sized companies involves greater risk than is customarily associated with investing in more established companies. These companies' securities may be more volatile and less liquid than those of more established companies. These securities may have returns that vary, sometimes significantly, from the overall stock market.
Micro-cap Company Risk. Micro-cap stocks involve substantially greater risks of loss and price fluctuations because their earnings and revenues tend to be less predictable (and some companies may be experiencing significant losses), and their share prices tend to be more volatile and their markets less liquid than companies with larger market capitalizations. Micro-cap companies may be newly formed or in the early stages of development, with limited product lines, markets or financial resources and may lack management depth. In addition, there may be less public information available about these companies. The shares of micro-cap companies tend to trade less frequently than those of larger, more established companies, which can adversely affect the pricing of these securities and the future ability to sell these securities. Also, it may take a long time before the Fund realizes a gain, if any, on an investment in a micro-cap company.
Non-Correlation Risk. The Fund's return may not match the return of the Index for a number of reasons. For example, the Fund incurs a number of operating expenses not applicable to the Index, and incurs costs in buying and selling securities, especially when rebalancing the Fund's securities holdings to reflect changes in the composition of the Index.
The Fund may not be fully invested at times, either as a result of cash flows into the Fund or reserves of cash held by the Fund to meet redemptions and expenses. If the Fund utilizes a sampling approach or otherwise holds investments other than those which comprise the Index, its return may not correlate as well with the return on the Index, as would be the case if it purchased all of the securities in the Index with the same weightings as the Index.
Concentration Risk. If the Index concentrates in an industry or group of industries the Fund's investments will be concentrated accordingly. In such event, the value of the Fund's Shares may rise and fall more than the value of shares of a fund that invests in securities of companies in a broader range of industries.
Passive Management Risk. Unlike many investment companies, the Fund is not "actively" managed. Therefore, it would not necessarily sell a security because the security's issuer was in financial trouble unless that security is removed from the Index.
Issuer-Specific Changes. The value of an individual security or particular type of security can be more volatile than the market as a whole and can perform differently from the value of the market as a whole. The value of securities of smaller issuers can be more volatile than that of larger issuers.
Non-Diversified Fund Risk. The Fund is considered non-diversified and can invest a greater portion of assets in securities of individual issuers than a diversified fund. Even though no single security weight may exceed 4.5% of the Index at the time of each quarterly rebalance, changes in the market value of the Index's constituent securities may result in the Fund being invested in the securities of individual issuers (and making additional such investments in the case of creations of additional Creation Units) in greater proportions. As a result, changes in the market value of a single investment could cause greater fluctuations in share price than would occur in a diversified fund.
The Fund's Shares will change in value, and you could lose money by investing in the Fund. The Fund may not achieve its investment objective. An investment in the Fund has not been guaranteed, sponsored, recommended, or approved by the United States, or any agency, instrumentality or officer of the United States, has not been insured by the Federal Deposit Insurance Corporation (FDIC) and is not guaranteed by and is not otherwise an obligation of any bank or insured depository institution.
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|Topic Review (Newest First)
|I am just plain curious as to what is over the horizon? I love the feeling of sailing, and decided to combine the 2..........i2f
|I took an entirely difference approach. I take Thursday's off. I live on my boat from Wednesday evenings till Monday mornings, having to only go back to my office for a few hours on Friday's. I do this as much of the year as weather permits, which, is quite often. It is not cruising, but it does offer a nice life.
Tell me your story
P.S. anyone who picks up this thread please send along your motivation for breaking away and taking off. Greatly appreciated!
Tell me your story
Thanks all for the responses! Visiting blogs and reading all your suggestions. I'm sure I'll have more to post. Sail happy!
|Tim R.
We did things a little differently. We lived life on land and enjoyed it as much as we could. We built our savings and assets in the interest of purchasing a marine business o run into our retirement. Once we had enough and went through the process of buying a marina(which did not work out) we decided to sell everything, buy a nice boat and move aboard. The 5 year plan which started a year ago is to get the boat the way we like it, learn it inside and out, increase our savings and then shove off for at least 5 years without having to work. If we find a low stress way to make money while cruising we will take advantage of it especially if it allows us to extend the trip.
You can get some more info from my lousy blog below.
First off, congrats on your excellent taste in boats, the Bristol 32 has always been a favorite of mine, incredibly sweet boats...
Vega and others have nailed it, modestly and simplicity are the greatest virtues if you want to go soon... Luxury and complexity while cruising only apply to those with unlimited budgets... I know many people don't want to hear or accept that, but chances are those are the ones who will get out there later as opposed to sooner, and likely stay out there for a shorter duration, as opposed to a more extended period...
If you've never seen it, you might have a look at John Atkisson's website of his Atlantic Circle on his Bristol 32 KESTREL... I had the great pleasure of meeting John in Beaufort, NC during his return trip, he was a wonderful gentleman. Sadly, he passed away a few years ago, a sober reminder of the value of getting out there sooner, as opposed to later...
S/V Kestrel
The key for me has been to configure my boat for energy self-sufficiency, and living life off the grid indefinitely - it's always a surprise to me how many cruisers out there haven't done that, being either dependent on a regular dose of marina umbilical cords, or lots of engine run time to keep all their systems "charged"... In a place like the islands, a combination of articulating solar and wind should be all you ever need, your boat is too laden with electrical demands if you need more, IMHO... Configure a reliable rainwater collection arrangement, it will pay off in spades...
Couple of excellent reads, THE CRUISING LIFE by Jim Trefethen offers some very good advice, financial and otherwise, for bringing the dream to life... And, Don Casey's SENSIBLE CRUISING: THE THOREAU APPROACH is in my estimation one of the best books EVER written about cruising, at least for people of relatively "ordinary" means...
Yours is a sweet sailing boat, but a good light-air sail inventory that will keep a typically overweight boat laden for cruising moving through the lighter stuff is one of the best investments a cruiser can make.. .For all the focus on storm sails that most people will go years without using, a sail like a Code O will usually pay for itself over time by so often making the difference between sailing, and motoring... Heading south outside can save a ton of money, it's amazing how much some people are blowing by motoring down the Ditch, and then succumbing to the lure of nights in marinas, and dinners ashore... There's always a time and place for that, of course, but one of the things I often hear from first-time Snowbirds by the time they make it to south Florida, is that the trip down wound up costing significantly more than they had budgeted for...
My last few trips south for the winter, I've wound up saving money over what it would have cost me to simply sit at home, and play on the internet (grin) By turning off the water, heat, internet/cable TV, letting my car insurance expire, and all that other crap that it costs simply to live day to day, I come out ahead by hanging out off the grid for the winter, availing myself of all that "free" energy from the wind and sun... (grin)
Good luck, you've certainly got the boat for it, she would be an awesome boat for the Bahamas, for example...
I think Vega's summed it up quite succinctly. We lived below our means for a lot of years; drove old cars and wore inexpensive clothes and didn't eat out very often. We worked a lot of hours, and tried to focus on what we wanted *most* not what we wanted *now.* Bought a boat (for cash, smaller and older than we might have otherwise, but that was what would get us sailing sooner) and lived on it while learning and earning; had to change jobs to move to a coastal area. Also like Vega, a lot of our details (including budgets) are posted in answers to other questions on this forum, and in our blog.
I guess I should add, sometimes will alone isn't enough; we continued to live at the dock and work for several years longer than we wanted to, for medical insurance & health reasons.
Tell me your story
thanks Vega 1860, will be reading and viewing your blogs. Everyone else please send me your stories.
A COmmon Question With Many Correct Answers
We have published all but the most intimate details here on this forum and at the links below. We continue to publish daily video logs of our voyages and blog about day to day life in port.
In coastal navigation, when the marks do not line up properly you grab the helm and steer toward the near mark until they do line up. It requires a conscious act by the skipper. No one else is going to do it for you.
The most frequently asked questions always involve budget. All I can say is, had I followed my Mom's advice: "Save at least ten percent of every dollar you earn" and my Dad's admonishment: "Don't borrow money". I could have gone cruising 25 years sooner. Cruising is a lot easier when you do not have to concern yourself with monthly payments.
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WASHINGTON -- Will the recent government shutdown keep consumers out of the malls this holiday shopping season? If so, then that could spell bad news for those bulk vending operators who rely on the profitable vending real estate during the busy shopping season to boost their P&L.
The National Retail Foundation had projected a 3.9% increase in spending this year, but that estimate arrived prior to the recent unpleasantness in the nation's capital. More recently, a Goldman Sachs report claimed that 40% of consumers plan to curb spending. And those with household income below $35,000 exhibited the largest percentage, with about 47% looking to cut back.
Surveys of business leaders, from online shopping site executives to big box store chiefs, paint a somewhat gloomy spending season. However, whether the anticipated doom and gloom will impact sales at shopping mall bulk venders remains to be seen.


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UTEP's Martyn & Sardinero Recognized As 2013-14 C-USA Scholar-Athlete Award Winners
July 9, 2014
IRVING, TEXAS – UTEP's Tori Martyn (women's soccer) and Camino Sardinero (women's golf) have been named the Conference USA 2013-14 Scholar-Athlete of the Year for their respective sports, league commissioner Britton Banowsky revealed Wednesday.
The awards, which are determined by the league's Faculty Athletic Representatives, are presented to the top student-athletes in each conference-sponsored sport. The award is based on academic achievement (GPA), athletic achievement and community service.
UTEP was one of four institutions to have multiple honorees, with Charlotte (five), North Texas (three) and ECU (two) joining the Miners (two) on the short list. Overall scholar-athletes were selected from C-USA's full-time and affiliate institutions in 20 sports (combining indoor and outdoor track & field).
Martyn was a four-year standout for the Miners who started 78 of 80 games during her career (2010-13). She logged 6701 minutes of playing time to rate sixth all time in program history while contributing nine goals and 10 assists for 28 points. She was a two-time (2012 & 2013) All-Conference USA performer in addition to being voted to the NSCAA All-Region Central Team in 2013.
Martyn excelled in the classroom as well. She was recognized as a Top Ten senior at UTEP on April 13. She boasted a 4.0 cumulative GPA in kinesiology and was one of 37 Miner student athletes to graduate this spring. She secured four C-USA Academic Medals and was tabbed to a pair of C-USA All-Academic Women's Soccer Teams. Martyn also was a 2013 Academic All-District Honoree.
Sardinero, a rising senior, has paced the team in scoring averaged for back-to-back campaigns. She was the Miners' top finisher in a squad-best seven times in 10 tournaments in 2013-14, which resulted in a career-low 75.9 stroke average on the year.
She was at her best in the clutch, establishing a career-low score (214) and round (69) at the 2014 C-USA Championship to earn a spot on the All-Tournament team. Other highlights from her junior season included finishing sixth at the Dr. Donnis Thompson Invitational (March 11-12). She was atop the leaderboard through 36 holes at that event.
The Spain native also led the team in scoring after (77.4) as a sophomore, which was aided by being the Orange and Blue's top finisher in nine of 11 tournaments. She picked up two top-10 finishes and a trio of top-20 showings. She recorded her campaign-low round of 73 at four separate tournaments.
Sardinero was one of the top freshmen in the league in 2011-12. She rated third on the squad with a scoring average of 76.8 and was one of three Miners to play in all 10 tournaments.
A pre-business major, she boasts a 3.84 cumulative GAP. She is a three-time recipient of the C-USA Academic Medal (min. 3.75 GPA) and was one of six student-athletes to be selected to the league's 2014 women's golf All-Academic Team on April 17.
The entire list of 2013-14 C-USA Scholar-Athletes is as below.
Baseball - Aramis Garcia, FIU
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