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Hi, I am Ong Kang Wei, a Singaporean investor intrigued by the stock market and anything related to business, finance and economics. I love observing the stock market in my free time, and I especially favor dividend-paying aristocrats offering products/services people need such as P&G, Kinder Morgan, Wal-Mart, among many others. I also love high quality stocks or mispriced stock opportunities that will be able to reward shareholders. Of course, I can only come to such a conclusion through extensive fundamental research and analysis. I am still in the process of learning how to analyse stocks more perfectly, and I must say that I have learnt a lot so far on Seeking Alpha. People whom I admire include Warren Buffett, Peter Lynch, Charlie Munger, Philip Fisher and Benjamin Graham. I try to learn about these famous people and find out what made them successful. I also regard established people in the financial industry very highly, and always try to learn from them through their writing. This group of people would include Professor Aswath Damodaran, many of the other knowledgeable CFAs and also Seeking Alpha writers. Though I try my best to keep writing on Seeking Alpha, I may stop writing at times due to study obligations. Here's the link to my latest dividend portfolio update: http://seekingalpha.com/article/2783865-kangs-dividend-compounding-portfolio-2014-review Connect On Facebook: http://www.facebook.com/ong.kangwei.9 Connect On LinkedIn: http://www.linkedin.com/pub/ong-kang-wei/4a/677/541 Connect On Twitter: https://twitter.com/Okw2101
Hello SA. I'm happy to be a part of this great website. I have been a market watcher for many years, and have been a trader for 6 years back in the late 1980's and early 1990's. I have been a long-term investor since my early teens. I study and apply technical analysis, and I use common sense. I am a student of fundamental analysis, but I have a long way to go. That being said, I am very impressed with the trading style of some of the members here and have successfully incorporated some of their techniques into my toolbox. I hold a diversified portfolio of common stocks and mutual funds. I utilize many strategies at buying and holding long, and I have sold short as a trader and did fairly well with it. I endeavor to see the stock market in various ways. I study the general market outlook, but usually do not try to time the market as I believe that it's nearly impossible. I am holding issues such as Apple, McDonald's, Proctor and Gamble, Chevron, and Coca-Cola long-term.
Janus Capital Group Inc. (JCG) is a global investment firm dedicated to delivering better outcomes for clients through a broad range of actively managed investment solutions, including fixed income, equity, alternative and multi-asset class strategies. It does so through a number of distinct investment platforms, including investment teams within Janus Capital Management LLC (Janus), as well as INTECH Investment Management LLC (INTECH) and Perkins Investment Management LLC (Perkins), in addition to a suite of exchange-traded products under the VelocityShares brand as well as global macro fixed income products under the Kapstream brand. Each team brings distinct asset class expertise, perspective, style-specific experience and a disciplined approach to risk. Investment strategies are offered through open-end funds domiciled in both the U.S. and offshore, as well as through separately managed accounts, collective investment trusts and exchange-traded products.
Recent high-school graduate based in Singapore looking to break into the buy/sell-side.
Email: firstname.lastname@example.com
Disclaimer: The author's reports contain factual statements and opinions. He derives factual statements from sources which he believes are accurate, but neither they nor the author represent that the facts presented are accurate or complete. Opinions are those of the the author and are subject to change without notice. His reports are for informational purposes only and do not offer securities or solicit the offer of securities of any company. Mr. Goh ("Lester") accepts no liability whatsoever for any direct or consequential loss or damage arising from any use of his reports or their content. Lester advises readers to conduct their own due diligence before investing in any companies covered by him. He does not know of each individual's investment objectives, risk appetite, and time horizon. His reports do not constitute as investment advice and are meant for general public consumption. Past performance is not indicative of future performance.
My name is Ong Kai Kiat. So after almost 200 articles on Seeking Alpha, I have decided to unveil the mask of anonymity on the website. I am from Singapore and most of the articles here are about currencies. I also write about equities once in a while.
The purpose of writing is to help in my clarity of thoughts about current events. It would provide me with the edge when I am trading forex inclusive of gold. My goal is to have a good trading record and to set up a forex hedge fund one day.
Bill Gross is a Portfolio Manager responsible for managing the Janus Global Unconstrained Bond Fund, and all related portfolios, and leading efforts to build out Janus' global macro fixed income capabilities. He also serves as an integral member of the Janus Capital Group Global Allocation Committee focused on the expansion of Janus' global asset allocation business. He is based in Newport Beach, California. Mr. Gross co-founded PIMCO in 1971 and served as managing director and Chief Investment Officer until joining Janus in 2014. Throughout his career, Mr. Gross has received numerous awards including Morningstar Fixed Income Manager of the Decade for 2000-2009 and Fixed Income Manager of the Year for 1998, 2000 and 2007. He became the first portfolio manager inducted into the Fixed Income Analysts Society's Hall of Fame in 1996 and received the Bond Market Association's Distinguished Service Award in 2000. In 2011, Institutional Investor magazine awarded him the Money Management Lifetime Achievement Award. He is a renowned expert within the bond market and is at the forefront of thought leadership on the subject of fixed income investing. He is also author of the books, Everything You've Heard About Investing is Wrong and Bill Gross on Investing.
Mr. Gross holds an undergraduate degree from Duke University and an MBA from the Anderson School of Management at the University of California, Los Angeles. He has 44 years of financial industry experience.
Sr. Director Wikinvest
First, the good stuff. Here's my portfolio ...
Consumer Discretionary: MCD, NKE, SBUX, TGT
Consumer Staples: COST, GIS, KHC, KO, MO, PEP, PG, PM, WBA
Energy: CVX, KMI, XOM
Financial: MAIN
Health: ABBV, AMGN, GILD, JNJ, MCK
Industrial: BA, DE, EMR, LMT, MMM
Materials: BBL
REITs: HCN, NNN, O, OHI, VTR
Technology: AAPL, MSFT, QCOM
Telecom: BCE, T, TU, VZ
Utilities: AVA, D, SCG, SO, WEC
ALSO: small stakes in 23 additional companies held in the Dividend Growth 50 portfolio (http://seekingalpha.com/article/2764265-its-new-its-nifty-its-the-dividend-growth-50): ADP, AFL, BAX, BDX, BXLT, CAT, CL, CLX, COP, GE, GPC, HCP, HSY, IBM, KMB, MKC, NEE, SJM, UTX, V, WFC, WMT.
Now, a little about me:
I am a 50-something former sportswriter who was sent on a permanent vacation during the Great Recession. That sucked, but my story is not a sad one. Unlike many folks who lost their jobs, I am not in financial distress, I am not depressed and I am not bored.
My wife is a pediatric nurse with a bullet-proof job and decent benefits. So after supporting her and our two kids (now grown) for most of three decades, the least she can do is support my semi-retired keister!
Because of Roberta's job situation, because we have zero debt (not even mortgage debt), because we no longer have any dependents and because we have been pretty diligent savers over the years, we are comfortable (though nowhere near rich).
Although we hold some funds, bonds and cash, my investing philosophy leans heavily toward Dividend Growth Investing. By early next decade, we want to live entirely off of our income stream, Social Security and pension payments - and therefore will not have to spend down the principal one iota. To accomplish this, we invest mostly in blue-chip companies with long track records of growing dividends. As of mid-2016, we are well ahead of pace to reach our goal.
When not researching investments and writing for Seeking Alpha and other Web sites, I coach middle-school girls basketball at Metrolina Regional Scholars Academy, the top charter school in the Charlotte metro area; in March 2016, we won the first conference championship in school history! I also umpire youth baseball and referee youth basketball.
My wife and I dote on our 5-year-old pup, Simmie, and keep up on the doings of our now-grown kids, Katie and Ben. And we love to cheer on the basketball team of our alma mater, Marquette University, where we both majored in Journalism. Go Warriors! Also big fans of the Carolina Panthers.
I still occasionally post to the blog I initiated in 2007 -- lots of sports stuff, some politics, some personal junk -- at www.TheBaldestTruth.com.
Lares Capital, a long/short fund that specializes in small caps, option strategies, and low-liquidity equities. The fund invests in both domestic and foreign securities.
You can contact us at email@example.com.
Seeking Alpha's editors are responsible for selecting and editing contributed articles and producing Seeking Alpha's own content. Seeking Alpha produces news briefs ( http://seekingalpha.com/by/type/news-briefs) which are collated every morning into Wall Street Breakfast (http:// seekingalpha.com/by/type/wall-street-breakfast), our Housing Bubble and Real Estate Market Tracker (http://seekingalpha.com/tag/housing-bubble-and-real-estate-market-tracker), key excerpts from new IPO filings (http://seekingalpha.com/by/ type/ipo-analysis), portfolios (http://seekingalpha.com/tag/portfolios) of well-known investors, and summaries of Jim Cramer's stock picks (http://seekingalpha.com/by/type/cramers-picks). Seeking Alpha's editors also monitor our Interactive Q&As (http://seekingalpha.com/by/type/interviewsqa) to ensure cordiality. All Seeking Alpha editors adhere to our full compliance standards.
I am an extreme contrarian investor, aquarium hobbyist and health-food guzzler. Let it be known that I intend to examine opinions, and see if they can be backed up with evidence. Also, I try to be as easy going as possible, but apologize in advance for any unholy rambling rants that occur while I write an article under the influence of coffee.
I realize that there is a lack of understanding regarding the basic tenants of economics. As such I hope to be able to explain concepts in an easily accessible manner that will allow people to figure out if policies are beneficial in the short run, long run, or not at all.
Feel free to check out my articles about layman economics on the Business Times http://www.btinvest.com.sg/blogs/filter/by_reporter?id=1621
An individual investor focused on preservation of capital and generating dividend income. My strategy is to invest in quality, dividend paying companies, with simple business models, and, a long track record of increasing dividends. Like Nick Murray, I'm a believer in diversification, but not in asset allocation. I'm long 100% equities, all the time. I can live with any amount of volatility if I'm in quality companies. Since I live off dividends, the prices at any particular moment don't rattle me.
David Fish's CCC list is my primary watch list. The quality of the business model (simplicity, tenure), earnings track record and valuation are key principles in my book. Free cash flows and payout ratios are very important metrics.
When I first started investing in 1990, I gravitated to DGI - a book called "dividends don't lie" influenced me. I did not have a single losing position in 10 years. Then, I learned an expensive lesson in 2002 (60% loss of net worth at that time) when I lost my way and got into momentum/technology stocks. I lost track of understanding WHAT I was buying and HOW the company made it's money. I will never deviate from buying quality companies that have a long track record of paying dividends, at value, since I paid a high price to gain that knowledge.
A critical insight -- it is better to pay a fair price for an excellent company than an excellent price for a fair company (Buffett). I buy companies that I'd buy more of if prices were to drop. A second one, is to have a long term orientation (Klarman). In other words, buy and hold, allow compounding to work, and try not to "market time". SA DGI leaders such as Chuck Carnevale, Chowder, David Fish, David Van Knapp, Tim McAleenan, Part Time investor, Sure Dividend and several others have influenced my thinking.
It is not an exaggeration to say that SA has impacted my life. I'm a first generation American, and am very grateful for the opportunities provided by my adopted country.
35 companies make up 72% of my portfolio. In descending order of size - Proctor & Gamble,Johnson & Johnson,Verizon,Cocal-Cola, AT&T,United Technologies,Exxon Mobil,Diageo.Kimberly-Clark,Hershey, Kraft Heinz
McDonalds Pepsico Unilever Chevron Wal-Mart Emerson Electric International Business Machines Phillip Morris Cummins General Electric
Nestle Disney Microsoft Cisco 3M Helmerich Payne GENERAL MILLS United Parcel Service QUALCOMM W P CAREY Wells Fargo Archer Daniels Midland Oracle Apple. All but three are rated as narrow or wide moats.
The other holdings are mini-ETFs (for example, 11 REITS that I treat as 1 diversified company).
The remainder, ~14 companies, (examples include: Ambev, CAT, DE, DVN, MUR, MRO) are ones I will slowly sell of and re-invest into my core holdings.
As of May 1, 2016 (aged 57 years) I have retired and live off my dividends.
This account will be used by Seeking Alpha to publish the daily report of SA PRO's Top Long And Short Ideas (details below) exclusively for SA PRO subscribers. Non-subscribers will be able to read the reports 24 hours after they are published.
Seeking Alpha PRO subscribers get an early look at the best long and short ideas on Seeking Alpha and the best small to mid-cap research on Seeking Alpha, before these articles are released to millions of readers. We publish about 15-20 Top Ideas per week and about 15 top small/mid-cap research articles a market day, and they frequently move stocks. PRO subscribers also get exclusive access to Top Ideas and top research articles 30 days after release, when they become closed to other readers.
Key features:
Early access. PRO subscribers get our Top Ideas and top research 24 hours before other readers. Because Top Ideas frequently move stocks, this provides an edge to traders and an information advantage to portfolio managers in understanding why their stocks are moving.
Broad research platform. Seeking Alpha PRO articles are closed to regular readers after only 30 days. PRO subscribers can access them indefinitely, allowing you to research a broad range of stocks and find people with knowledge of them. Research mid-cap and small-cap stocks with little or no coverage anywhere else.
I prefer to research before buying and to monitor while holding. I have a background in tax/finance/accounting with a career focus in the real estate industry.
My username has a personal meaning and has nothing to do with the metal.
I've been investing since 2008. I love learning how to invest and I enjoy sharing my knowledge with as many investors as I can.
I refuse to take my money out of investments to pay for things like kitchen renovations, water softeners and furniture. My wife isn't happy about this.
Update: My wife is forcing a kitchen renovation on me. It is a very painful process but I'm learning to deal with it.
I hold multiple undergraduate degrees with concentrated focus in the fields of Psychology, Sociology, History, and Economics. Prior to working as an independent strategist for a handful of clients, I was employed as a behavioral economist for a private London based group. Before that, I worked for domestic entities such as FBR and ACC Capital.
In terms of equities analysis, my focus is strictly on long term investments, emerging biotechnology entities, distressed or undervalued companies, and maritime commerce. In terms of market analysis, my focus is on the market implications of social and non-traditional factors. I do not discredit more traditional technical and fundamental analysis, but I value greatly the largely underrated, and often forgotten, historical evolution of capitalism and capital market psychology. Thus, some articles I write will be highly speculative and unorthodox, and will likely represent a minority opinion. Others, when undervaluation is a motivating factor for the article having been written, will be highly technical and metric based.
Also, I urge readers to consider the premise of investment horizon, and authorship intention, when reading my contributions. Many of the articles for companies which I endorse will be deemed "long term", which I generally consider to be no less than 2-3 years unless otherwise noted. Moreover, some articles are written simply to test a potential investment thesis in an effort to garner feedback about prospective positions. In the latter, the "Risk" segment of articles will be thoroughly detailed and should be heavily weighed. Many such pieces will be long "ideas", not necessarily long "recommendations" or "endorsements", and it is imperative that readers understand that prior to any assumptions being made or conclusions being drawn. Thus, I would implore readers to consider my articles carefully and thoroughly, and to ask any questions they may have pertaining to publication purpose if not otherwise clearly defined. I will always do my best to respond in a timely fashion.
Lastly, I am a fervent proponent of the value brought to investments by behavioral finance theory, and I utilize this premise in all equities analysis.
Anonymity Disclosure: I am fully cognizant of the fact that some readers question the integrity and/or accountability of anonymous contributors. Please know that my preference for privacy is a two fold consideration; (1) I remain under a revolving open contract to consult for an entity where I signed a lifetime NCND agreement. In order not to risk violating any potential terms of that agreement, now or in the future, I maintain a very low web based profile. (2) I am a proponent of unbiased analysis being openly shared among prospective investors. However, in order to ensure no collisions occur between professional patronage and personal privacy, I have elected to utilize anonymity as the barrier between the two.
Mr. Barac is the founder and Managing Member of the General Partner, Barac Capital Management, LLC. Prior to founding the General Partner, Mr. Barac held a variety of roles in institutional securities research and trading.
Mr. Barac graduated from Trinity University (San Antonio, Texas) in 1989 and received a Master's in Business Administration degree from Southern Methodist University (Dallas, Texas) in 1998. During his graduate studies, Mr. Barac's broad-based business studies included a focus on international business which included an internship with Bank Boston's media and telecommunications lending group in Buenos Aires, Argentina and an international exchange semester at the E.S.A.D.E. Business School in Barcelona, Spain.
Following his graduate studies, Mr. Barac went to work for Moody's Investors Services in New York, New York in 1998 and transferred to their London, England offices in 1999. At Moody's, Mr. Barac became a Senior Credit Officer/Vice-President and lead analyst with responsibility for the credit ratings of a multi-billion dollar portfolio of high-profile European leveraged finance companies. As an expert in leveraged finance and corporate credit risk analysis, Mr. Barac was a regular speaker for Moody's and was regularly quoted by major financial publications (e.g. the Wall Street Journal Europe, Financial Times, New York Times, Bloomberg News, and The Times of London).
From 2005 to 2007, Mr. Barac worked at Schroders Investment Management, an investment management firm with assets under management in excess of $200 billion, headquartered in London, England. At Schroder's, Mr. Barac was responsible for identifying profitable fixed-income trade ideas from within a portfolio of European high-yield and investment grade corporate bond issuers. Mr. Barac's work at Schroder's earned him selection for the company's elite merit-based Business Leadership Program.
Mr. Barac continued his work in corporate securities analysis with Barclay's Capital (also in London, England) where he worked as a Director in their Principal Strategies Group from 2007 to 2008. At Barclays, Mr. Barac was a proprietary analyst and trader responsible for investing a portion of Barclay's capital through a combination of bonds, stocks, and fixed-income derivatives (credit default swaps).
Following his return from London to Austin, Texas in 2008, Mr. Barac founded, established, and now actively manages the Barac Value Fund, L.P.
Family man. Value investor. Multiple publications in peer-reviewed medical journals. No financial background.
I hold a B.S. in Accounting.
"[T]he function of the margin-of-safety is, in essence, that of rendering unnecessary an accurate estimate of the future. If the margin is a large one, then it is enough to assume that future earnings will not fall far below those of the past in order for an investor to feel sufficiently protected against the vicissitudes of time."
"Needless to say, the analyst must take possible future changes into account, but his primary aim is not so much to profit from them as to guard against them. Broadly speaking, he views the future as a hazard which his conclusions must encounter rather than as the source of his vindication."
"[F]inding the really outstanding companies and staying with them through all fluctuations of a gyrating market proved far more profitable to far more people than did the more colorful practice of trying to buy them cheap and sell them dear…These opportunities did not require purchasing on a particular day at the bottom of a great panic."
Buy-side professional
Please note that I do not read comments posted here, nor respond to messages here. I don't have the time. If you want my attention, you must seek it directly at my blog.
Aswath Damodaran is the Kerschner Family Chair Professor of Finance at the Stern School of Business at New York University. He teaches the corporate finance and equity valuation courses in the MBA program. He received his MBA and Ph.D from the University of California at Los Angeles. His research interests lie in valuation, portfolio management and applied corporate finance.
He has written three books on equity valuation (Damodaran on Valuation, Investment Valuation, The Dark Side of Valuation) and two on corporate finance (Corporate Finance: Theory and Practice, Applied Corporate Finance: A User's Manual). He has co-edited a book on investment management with Peter Bernstein (Investment Management) and has a book on investment philosophies (Investment Philosophies). His newest book on portfolio management is titled Investment Fables and was released in 2004. His latest book is on the relationship between risk and value, and takes a big picture view of how businesses should deal with risk, and was published in 2007.
He was a visiting lecturer at the University of California, Berkeley, from 1984 to 1986, where he received the Earl Cheit Outstanding Teaching Award in 1985. He has been at NYU since 1986, received the Stern School of Business Excellence in Teaching Award (awarded by the graduating class) in 1988, 1991, 1992, 1999, 2001, 2007, 2008 and 2009, and was the youngest winner of the University-wide Distinguished Teaching Award (in 1990). He was profiled in Business Week as one of the top twelve business school professors in the United States in 1994.
Editors' Note: Seeking Alpha monitors Dr. Damodaran blog and posts relevant articles on his behalf.
Came of age as tricky Dick separated USD from gold and poofed the petro dollar.
Today, in my seventh decade, and able to write, I was fortunate to report on what interested me; silver & gold and critical resource mining, and the people in the shadows of the head frames with skin in the game. Capitalism is a favorite power tool though it doesn't cut it like it used to. Proponent of sound money, actual free markets, and long walks on the beach.
Motto: buy and hold physical silver.
Inactive of late because I don't advocate buying stocks - of any kind, but that's just me.
Wishing everyone peace and prosperity in the times ahead.
My name is Ted Leach. I'm a 65-year-old investor focused on dividends in a Retirement Income Portfolio. I'm not yet in the distribution phase of retirement. After serving as a pastor for 40 years, I'm in a second career and I have two part-time jobs. As Director of Community & Property Care, I'm part of a management team that oversees 123 residential retirement units in multiple locations for a non-profit organization. I also serve a large congregation as a part-time associate pastor.
I've been a member of the National Association of Investment Clubs (NAIC) since 1982, which now operates as BetterInvesting.org. For many years as a volunteer I helped lead workshops to teach tools developed by NAIC to educate investors about how to do basic fundamental stock analysis. I continue to have a strong interest in investor education.
NAIC's historic "four principles" have been very helpful to me:
1) invest regularly throughout your lifetime;
2) invest in growth companies;
3) reinvest earnings and profits;
4) diversify by industry and size.
Bill Bengen's "4% Rule" concept inspired me to set a goal to create a retirement income portfolio of individual dividend growth stocks as a way to tap only dividend income from the portfolio as long as possible rather than selling assets.
Here is my current 25-stock portfolio:
- 5 stocks each with a 5.2% target allocation: JNJ, XOM, MSFT, PG, MMM
- 5 stocks each with a 4.4% target allocation: WMT, MRK, IBM, CMI, GPC
- 5 stocks each with a 3.6% target allocation: EMR, SO, WEC, CNP, HCP
- 5 stocks each with a 3.0% target allocation: PEP, T, O, EPD, WPC
- 5 stocks each with a 2.4% target allocation: UNP, NNN, STAG, MAIN, EVA.
Helpful mentors and colleagues include:
- Charles Allmon, former columnist for Better Investing, taught me to look for growth stocks
- Ben Graham's The Intelligent Investor taught me the importance of intrinsic value
- Peter Lynch instilled confidence that the average citizen can win in the stock market
- Louis Rukeyser demonstrated how to ask probing questions about market conditions
- Brad Thomas introduced me to a host of real estate investment trusts
- Bob Wells' analytical discipline keeps me focused on dividend growth
- Lowell Miller's The Single Best Investment helped me focus on quality and safety
- David Van Knapp's holistic style of portfolio building helps me see the big picture
- David Fish and Factoids inspire me to keep digging for data
- Chowder reminds me that each buy is the purchase of a business
- BDC Buzz has helped me sift through business development companies
- Tom Konrad opened my mind to alternative energy investments
- George Fisher is a helpful "lookout" scanning the horizon for utility opportunities
- The Seeking Alpha community--both veterans and young contributors.
Simon is an incoming fourth year student at the University of British Columbia. His strong interest in the capital markets was realized through case competitions, finance mentorship programs, and articles written on his previous blog channel. Simon recently interned at a private equity firm where he researched extensively on incorporated businesses in British Columbia, and is currently interning at a boutique investment bank focusing on small-cap companies. His true passion lies with people, and sourcing and creating deals including M&A, IPO, and Private Equity deals.
My entire career has been spent in industry within the finance and accounting realm. My career started in 1985 and has included exposure to implementing SFASs
James A. Kostohryz has accumulated over twenty years of experience investing and trading virtually every asset class across the globe.
Kostohryz started his investment career as an analyst at one of the US's largest asset management firms covering sectors as diverse as emerging markets, banking, energy, construction, real estate, metals and mining. Later, Kostohryz became Chief Global Strategist and Head of International Investments for a major investment bank. Kostohryz currently manages his own investment firm, specializing in proprietary trading and institutional portfolio management advisory.
Born in Mexico, Kostohryz grew up between south Texas and Colombia, has lived and worked in nine different countries, and has traveled extensively in more than 50 others. Kostohryz actively pursues various intellectual interests and is currently writing a book about the impact of culture on economic development. He is a former NCAA and world-class decathlete and has stayed active in a variety of sports.
Kostohryz graduated with honors from both Stanford University and Harvard Law School.
You can receive custom delivery of all of Mr. Kostohryz's published work on Seeking Alpha, The Street, and other media, as well as exclusive material, by following the link below. It is absolutely free:
You may connect with Mr. Kostohryz via the following social networks:
Linkedin: http://www.linkedin.com/in/jameskostohryz
Twitter: https://twitter.com/jameskostohryz
Google+: https://plus.google.com/u/0/102088431710750155094/about
When connecting, be sure to identify yourself as a Seeking Alpha reader.
I run the long-term dividend investing website: www.theconservativeincomeinvestor.com
I spend most of my time reading through annual reports looking for a small-cap stock to feature in my monthly edition of "The Conservative Investor Digest." That is where you can find my best work, and that is where I focus my research.
You can become a subscriber here: https://gumroad.com/l/HmqJx
Lawrence is the Managing Director of Fuller Asset Management. He has 20+ years of experience managing investment portfolios and serving the needs of individual clients. He began his career as a Financial Consultant in 1993 with Merrill Lynch. He worked for First Union Brokerage, Morgan Stanley and ING in the same capacity before realizing his long-term goal of complete independence. He graduated from the University of North Carolina at Chapel Hill with a B.A. in Political Science in 1992.
Brad Zigler's stints as a contributing editor for the Corporate Communications Broadcast Network, the Journal of Indexes, and CRB Trader set the stage for his role as managing editor of Hard Assets Investor and later as alternative investments editor of Registered Rep. magazine, the most highly subscribed publication for financial advisors.
Brad's feature articles have appeared in Registered Rep., Mutual Funds, Financial Planning, Financial Advisor, Futures and Ticker magazines, TheStreet.Com and MarketWatch Web sites, and in journals published by Institutional Investor. After heading up marketing, research and education at the Pacific Exchange's (now NYSE Arca's) option marketplace and Barclays Global Investors, Brad became a financial correspondent for the European Press Network, and a Public Broadcasting System/National Public Radio affiliate. He continues his work as a financial research and communications consultant for a number of private and public organizations.
Have managed money for clients as an independent advisor since 1991. Published a newsletter ECONOMIC LEADS from 1988 to 1993. Have an economics degree from Vanderbilt University. Focus on the macro picture forecasting the US economy and broad stock market. Also have a model to estimate long term equity returns for several countries.
Jeff is the President of NewArc Investments Inc., manager of both individual and institutional investments. Jeff is a registered investment advisor, and portfolio manager for NewArc's investment programs.
Jeff is a former college professor with a hands-on, real world attitude. His quantitative modeling helped inform state and local officials in Wisconsin for more than a decade. A Public Policy analyst, he taught advanced research methods at the University of Wisconsin, and analyzed many issues related to state tax policy.
Jeff began in the financial business as Research Director for trading firm at the Chicago Board Options Exchange. He investigated anomalies in the standard option pricing models, taught classes for beginning options traders, and developed new forecasting techniques. In 1991 he established a general research consultancy, working with professional traders at all of the Chicago financial exchanges. In 1998 he started NewArc Investments, Inc.
Jeff has a commitment to the specific needs of individual investors. It is not a one-size-fits all approach, but one that emphasizes the unique circumstances of each client.
Jeff also serves on the board of two small technology companies (currently Chairman at one). He is occasionally as an expert witness in legal cases involving financial markets and hedging.
Mr. Berger is the creator and developer of the YDP screening tool, a chart system and its analysis for screening and monitoring dividend income equity investments. The recipient of Seeking Alpha's Outstanding Performance Award, he also has been Seeking Alpha's #3 ranked Author for Income Investing Strategy & #4 for Utilities.
20 years of sitting in the board room gives me unique insights into Oil & Gas investments and corporate deal making in general. Additionally, he offers a Premium Research subscription service for boosting income while reducing market risk using covered option writing on a dividend income equity portfolio.
Residing in Brazil gives me a local's inside view on the pulse of its economy, politics, investment climate and breaking news. A view of my front yard is available here.
A former Chief Operating Officer, Director, Vice President and General Manger of Oil and Gas for Southern Pacific's Oil and Gas Operations, Business owner, geologist, and cribbage player, I've been an investor for over 48 years (started young at 13) and learned my lessons the way that makes them stick, by hard knocks and both big and little mistakes. Hopefully I can share some of those lessons with others.
I am an American expatriate that decided to retire at age 57 in 2009 and now live in Brazil. As an early retiree I invest for income and manage portfolio risk by screening for strong and reliable historic data along with favorable fundamental and technical current trends.
I spend 6 months/year living at home in Brazil and 6 months/year traveling the world. I have structured my financial positions so that I live virtually tax free with much of my income exempt from US tax since I live ex patriot and a lot of my US derived income over the annual ex-patriate exemptions is held in my tax free ROTH and tax deferred IRA/SIMPLE plans. This enables my tax savings to pay for my 6 months of annual traveling :) .
My investing is for income and appreciation with a balance of low to moderate short term risk and low long term risk. To accomplish this I use quality dividend payors with a long track record of steady or increasing dividends along with slowly appreciating equity prices. I target a 6 to 9 % yield and almost exclusively require a minimum history of 5 years of steady/increasing dividends and no decreases in dividend ever or at least past 10 years. I diversify through sector, country and currency unit the stocks are traded in, and security type (equity, royalty trust, REIT, mlp, etf, and ADRs).
I use covered call writing to enhance my portfolio yield with no added risk. In fact, it lowers the risk substantially. Once I identify a stock I want to own and an entry price for it, I write cash covered puts at or below that entry price (with a minimum of 1%/month time premium. Thus i obtain at least a 12% annualized yield before compounding just from the option premium.
Likewise, I use the sale of cash covered puts to generate income and and generally get an entry point at 5 to 10% below my acceptable entry level price if/when the put stock does get presented. Thus my strategy provides a 12% pre compound yield on cash and entry into stock purchases at a 5 to 10% discount from "retail".
Because I only select stocks that I am willing to hold long term for their reliable dividend yields of > 6%, I am not concerned much with market volatility or short/midterm risk. Indeed, market volatility is my friend since it increases the premiums paid on the options I sell. I also selectively sell covered calls on positions I hold long so as to add to my yield that way while not taking on any additional risk.
This strategy has kept me happily living off my portfolio income and traveling 1/2 the year while my portfolio has been slowly increasing in value even after my harvesting income for living expenses. Of course my income will incrementally increase when social security kicks in for me in a few more years and I may then slightly mofidy my goals and strategies.
Readers can get an e-mail once a day from Seeking Alpha that lists all newly published articles of ALL the authors they follow in a single e-mail. To get these updates:
- a - Click "Alerts" along the top menu tab (just left of the green PRO tab)
- b - Scroll all the way down, and check the box for "author alerts" (2nd box from the bottom)
- c - Then you'll be notified by Seeking Alpha once per day of new articles by all authors you follow (in a single e-mail)
I am long-term value investor currently working for a value-based asset manager. My articles attempt to identify companies with unique competitive advantages, hidden value, and special situations.


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|Dee D.
|Sent on:
|Sunday, May 4, 2014 11:35 AM
It's a Sunday JUNE 1 3-7pm, a picnic and bioremediation teach-in. The Mud Ball Ball a place to play with lifestyles of bioremediation & symbiosis at a gorgeous Loisida garden as we reconnect with our life-partners--the natural elements. Meet friends, share food, spin in hula hoop gowns. Eat oysters for the shells, make mud balls for waterways, learn the PharmaSeed game for future pharmacy, sow sunflower seeds to pull toxins from soil, crush shells for soil, grow mushrooms, stomp cob for bricks, make egg-carton balls for play, create with plastics, yoga to oxygenate cells, acupuncture, sip detox teas & mix herbal remedies. Everyday lives pollute more and more. Come experiment. Can we feel-good, make a better ecosystem? Wind up with dancing umbrellas in a procession to the river to toss oyster shells & place an oyster garden! See you there!!
We will experiment with making us a small village in which we give back beneficial by-products by making activities that heal our water, air and soil and selves. A village center using natural succession in a paradise which formerly stored trucks and fuel.
RSVP: https://www.eventbrite.com/e/the-mudball-ball-tickets-1286892129
Bring a dish, help a presenter or contribute.
For more details, see the full listing:
When: Sunday, June 1,[masked]:00 PM
Where: El Jardin Del Paraiso
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HUNTSVILLE, Texas -- Sam Houston State handed Texas Southern a 7-3 loss Tuesday afternoon in a non-conference softball game at the Bearkat complex.
Texas Southern jumped out to a 3-0 lead with one tally in the opening inning and two more in the top of the third.
The Bearkats roared back with four runs in the bottom of the third on a pair of bases-loaded singles by Cecilia Castillo and Jessica Slater.
Tori Koerselman singled in Tayler Gray who walked to add another run in the bottom of the fourth inning. Pinch hitter Hannah Marino added a two-run single in the fifth inning.
Haley Baros was the winning pitcher in relief for the Bearkats.
Sam Houston travels to play at Louisiana-Lafayette Wednesday then returns to Huntsville for a three-game weekend Southland series with Lamar Saturday and Sunday.


text:
Leadership is a lifelong learning process. Every great leader always looks for ways to improve. No one ever wakes up and says, "I know everything there is to know about leadership. I'm a perfect leader."
Leadership can be especially challenging for entrepreneurs. Balancing the need to run a business (i.e., products, investors, customers, etc.) and the need to lead company personnel is quite a task.
In this post, we've included 10 quotes from some of the very best business men and women. Our graphic, called a shareable, summarizes each quote in a few words. Feel free to share this graphic on your website using our HTML code.


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Articles from RotoWire's fantasy archives that mention Paul Goldschmidt's name.
July 5, 2016
DraftKings MLB: Tuesday Picks
The Tuesday slate is a little light on dominant pitching, which is why Alex Spalding is locking in Madison Bumgarner.
July 4, 2016
FanDuel MLB: Monday Value Plays
Adrian Gonzalez is starting to get hot, and he has a solid matchup Monday against Yovani Gallardo to keep it going.
June 24, 2016
FanDuel MLB: Friday Value Plays
Kevin Payne sifts through Friday's slate and thinks Michael Conforto is in a great spot to break out of his slump against struggling rookie Aaron Blair.
DraftKings MLB: Friday Picks
Sasha Yodashkin can't resist investing heavily in some Coors Field action Friday and recommends anchoring your lineup with Arizona slugger Paul Goldschmidt.
June 23, 2016
DraftKings MLB: Thursday Picks
Mike Trout has struggled this month, but he has a very attractive matchup Thursday against the A's that could help him start to break out.
June 22, 2016
The Saber's Edge: What the Last 30 Days Tells Us
Jeff Zimmerman looks at the last 30 days of stats to find players who are flying under the radar, like the Angels' Matt Shoemaker, and others who might be due for regression.
June 21, 2016
MLB Barometer: Assessing the Fantasy Player Pool
Vlad Sedler looks at the fantasy winners and losers at each position as midseason approaches, including first baseman Brandon Belt, who is the only Giant outearning his preseason ADP.
June 17, 2016
Sitting at the top of the Dodgers' lineup against the Brewers' Zach Davies on Friday gives fantasy owners plenty to consider with Chase Utley.
June 15, 2016
The Saber's Edge: Analyzing Batted-Ball Velocity
Jeff Zimmerman examines batted-ball velocity and which players have experienced the effects of changing velocity from last year, like Jose Altuve.
June 13, 2016
DraftKings MLB: Monday Picks
James Shields' White Sox debut was a disaster, and RotoWire's Chris Olson is going back to the well with Nick Castellanos against Shields at U.S. Cellular Field on Monday.
June 10, 2016
Byron Buxton has played well since his latest call-up, and RotoWire's Kevin Payne likes him Friday against the Red Sox's Steven Wright.
June 9, 2016
DFS Baseball 101: Team Batting Stats Report Update
Michael Rathburn breaks down the key team batting stats to help DFS players know when to stack certain teams and when to avoid them completely.
June 1, 2016
DVR's Top 350: June Update
Gregory Polanco is among the biggest risers on the update Top 350 rankings, with 50-plus games in the books for each club.
May 27, 2016
There are quite a few attractive third base options Friday, but RotoWire's Kevin Payne explains why Nick Castellanos should be a top consideration.
May 19, 2016
Regan's Rumblings: 32 Teams, 32 Disappointments
Dave Regan's rumblings skew toward the pessimistic this week, as he walks us through the league and identifies a fantasy disappointment or bust-in-the-making for each of the 32 teams.
The Z Files: Updated Top 20 Hitters
Todd Zola revises his rest-of-season projections based on changing contact rates and run-scoring environments, resulting in a big drop for his preseason top pick, Paul Goldschmidt.
May 12, 2016
Regan's Rumblings: Revised Top 100 Fantasy Players
Stricken by writer's block, Dave Regan instead shifts his rumblings this week toward an updated rankings list of his Top 100 MLB fantasy players.
May 6, 2016
Adrian Gonzalez is in a bit of a slump, but RotoWire's Kevin Payne explains why his matchup Friday against the Blue Jays could allow for a breakout performance.
May 4, 2016
The Long Game: Who Stole the Steals Revisited
Erik Siegrist explores the disappearance of stolen bases in today's game and what it means for fantasy owners.
FanDuel MLB: Wednesday Value Plays
Brian McCann is the best offensive catcher in Wednesday's slate, and he's got a matchup worth paying for, according to Alex Spalding.
May 3, 2016
DVR's Top 350: May Update
This time last year, Michael Conforto was in the Mets' minor league system. Where does he check in on the May update of the Top 350?
MLB Barometer: Fantasy Baseball the Ichiban Way
Vlad Sedler explains how he stays disciplined with his approach to fantasy baseball, and he looks at risers and fallers like the Diamondbacks' Brandon Drury in this week's Barometer.
April 28, 2016
The Saber's Edge: Assessing Skills Growth, and Decline
Jeff Zimmerman analyzes hitters who have seen a skills growth or a skills decline this season and what it means for fantasy owners. Is time to give up on Justin Upton?
April 26, 2016
MLB Barometer: The Toast of Roto Town
Vlad Sedler analyzes what's behind the impressive play of Houston's Colby Rasmus, who's received many accolades in the early going.
DFS Baseball 101: Small-Field Tourney Strategy
Michael Rathburn shows how he took down last Friday's RotoWire Staff Freeroll a mini-stack of Cubs batters, including Anthony Rizzo, that prospered in the single-field tournament.
April 25, 2016
Brian Dozier is starting to heat up and RotoWire's Kevin Payne explains why he's a solid play Monday against the Indians.
April 22, 2016
Evan Longoria's early-season struggles have pushed his price down on FanDuel, but RotoWire's Kevin Payne explains why Friday is the time to trust the Rays' third baseman.
April 8, 2016
Francisco Cervelli hit right-handed pitching very well last season and gets a nice matchup Friday in Cincinnati.
April 7, 2016
Regan's Rumblings: (Very) Early Overreactions
David Regan rumbles about some premature overreactions midway through the first week of the season.
FanDuel MLB: Thursday Value Plays
It's not always worth paying up for a catcher, but James Seltzer explains why Brian McCann could be worth it Thursday.
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text:
|14 Reviews
|Property type
|Minimum Stay
When you book through the HomeAway checkout, your booking is backed by our Book with Confidence Guarantee™ offering comprehensive payment protection.Learn more
Nestled on Emerald Lakes in the Poconos Mountains, this secluded lakefront getaway boasts a dock side lounging area; with a hammock and outdoor seating; landscaped path to the dock; and a private 44 'three-tiered deck with outdoor furniture, a gas grill, and a five person hot tub. Inside, guests are welcomed with a beautiful 16' floor-to-ceiling stone (gas) fire place that warms the large sunken living room with glass doors that lead to the lake-side deck; relax in the living room with lake views. Guests who want to relax on the calm of the lake have access to two rowboats, and a canoe, fishing rods and life vests. A sand box awaits your little ones for hours of fun. Guest who enjoy fishing will enjoy the overstocked lake in the summer and ice fishing in the winter. (Lake is a non-motor boat) Indoor recreation awaits you with a full size pool and ping pong tables. There are 5 bedrooms and 4 bathrooms. Air conditioner in two bedrooms with an air conditioner to accommodate the 1st floor
Features of this fully furnished, two-story home include: 5 bedrooms (two of which are master bedrooms-with private baths and A/C), 2 additional full bathrooms, fully equipped kitchen with bar and breakfast room, a full dining room, living room with vaulted ceilings, a toddler's game room (equipped with toys and a TV/VCR combo unit), and a recreation room on the lower level that has a regulation-size pool table, foosball, full size ping pong table, TV and Stereo. The house has cable and Internet, Bose stereo system, flat screen TV with Bose speakers, one of the master bedrooms has a crib and there is a two car garage. Whether it's a cool, summer day or an absolute winter wonderland, Mother Nature welcomes you with serene sunrises and breathtaking views...all viewable over the lake from both of the master bedrooms, living room, breakfast room. First floor is equipped with A/C
Relax and enjoy the lake views from the furnished and heated 'All Season Room' Other amenities, provided by Emerald Lakes includes basketball court, tennis court, two beaches, indoor heated pool, outdoor pool, bar/restaurant. The fee is 15.00 pp-per week over the 6 yrs of age and is included in the summer weekly rentals. Within six miles of this spectacular retreat, additional activities and resorts include: skiing at Camel Back, Big Boulder, and Jack Frost; the new Mt.Airy Casino; Camel Beach; Pocono Raceway, home of the famous Pocono 500. In addition, take a trip to Historic Jim Thorpe known as' The Switzerland of America' take a ride in the 1920's train through the scenic Lehigh Gorge State Park.
The house is beautiful. We especially liked the open floor design, with the kitchen area open to the sunken living room. The cathedral ceiling up to the 2nd floor bedrooms added to the open feel, as did the two sliding glass doors out to the deck. One of the perks of this house for us was the fact that there were TWO master bedrooms. We didn't have to fight over who got the best bedroom, since there were two, both with their own bathroom, and air conditioning. The game room was terrific, complete with a pool table and a ping pong table. We also loved the boating. We took out the two rowboats and canoe several times, and paddled around the lake and over to the beach. Just beautiful! We were pleasantly surprised to discover access to Netflix on the television, as that was not noted in the amenities. The house was clean and lovely, the deck was beautiful, complete with spa, BQ grill, and fire pit. We had a wonderful vacation!
House was even better than the pictures. Plenty of space for four couples with small children. Toy room was great. Deck and back area are beautiful and the gas fire pit was awesome. House has a great Weber Spirit gas grill (hooked into gas line from the house so we didn't have to worry about getting propane)! Emerald Lakes amenities were great. Owner took great care to leave lots of labels/instructions around the house for things to make visit very pleasurable.
This property is everything as described and more. The house was clean, up to date, well cared for and more spacious than the pictures can show. We felt like we were home when we walked through the front door. It has something to satisfy the playful and relaxing needs of everyone. Our family ( 8 adults - 2 children) had no problem finding space to enjoy everything this home has to offer. The TWO playrooms, huge deck, hot tub, sand box, sun room, and 3 boats couldn't have made this week any better. The house is centrally located for the many interesting places to visit while on vacation. We highly recommend this home for anyone looking for a place to relax and enjoy family without being crowded on top of one another. Thank you for sharing your lovely home with us.
We rented this house for a get-together/race weekend for three friends from high school who now have spouses & young kids. House was amazingly convenient to the race (Tough Mudder PA was down the street), really clean and brightly lit by sun and reflections off the water, and has a great setup for young children/families with the number of bedrooms and bathrooms. We really enjoyed it there - although we'll have to return when its a touch warmer to enjoy the lake more - and hopefully we'll be back for future races. Thanks so much, Adam.
Our family highly recommends this rental. Since we hadn't seen any pictures of the outside of the home, we were extemely impressed when we pulled into the driveway of this beautiful mountain lakefront home. The home was immaculate with lots of special touches that aren't usually seen in a rental home such as a bottle of wine, complimentary upscale perfumes and candles. The assortment of DVDs, Videos, Magazines were also genuinely appreciated by adults as well as children. The hot tub, which was hot and ready to go, was the hit of the weekend as was the gameroom which included plenty of activities for the adults and children of any age. This was truly a home away from home and we felt very cozy and extremely welcomed! We went skiing both days at Camelback, which was a 20 minute ride on the clear day, 30 minutes on a snowy day. Be sure and is to obtain exact directions from the owner prior to your trip , as all of our GPS Systems took us to the wrong location and finding the house in the dark was extremely difficult. Once you find it, you will never want to leave! We will definately be back next season!
This is such a wonderful vacation home. Our family ranges from age 2 - 60 and everyone was entertained. We thoroughly enjoyed the huge variety of games and utilized the pool table everyday. The deck has a gorgeous view, so refreshing after city life! My kids loved running around the huge yard, the lake and boats. Every night we grilled food and relaxed in the hot tub - it was truly a gift. We were also really grateful to the owners who responded so quickly to emails and were so very hospitable - it's a great place!!
Nestled between route 940 and 115 this lovely secluded lakefront offers privacy and awesome views.
Other Activities: shopping, kayaking, boating, snowboarding, snowmobiling, wildlife viewing, health/beauty spa, basketball court, miniature golf. Minutes to Pocono Raceway
Golf: Pocono Manor
Ski: Camel Back Mountain- a great place to ski in the winter and an awesome water park in the summer-all within 10-15 minutes from the house.
|Refundable damage deposit
Rates are subject to change until reservation is confirmed. Holiday weekends add 100.00. Rentals available for weekends and weekly rentals in June. July 1st-Labor Day-weekly rentals only. Refundable security deposit of 600.00 is added to all rentals. The security deposit is subject to change during Christmas-New Year's. Minimum age requirement. No prom parties, no bachelor/bachelorette parties,


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I'm using the Flow theme, and I'm trying to use the "Simple Slideshow" plugin for my posts, which are solely cartoons. As it stands now, you have to click on the title to actually see the slideshow. I'd like to avoid clicking at all- I set my writing settings to "show full post", and searched for "excerpt" in the theme code, but couldn't find it.
Anyone have any suggestions?
Thanks, a lot.
My site is http://www.endlessdumber.com


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Sproutz 0624JC340 - 24 Paper Tray Cubbies Without Trays - Black Trim
About this item
About this item
Important Made in USA Origin Disclaimer: For certain items sold by Walmart on Walmart.com, the displayed country of origin information may not be accurate or consistent with manufacturer information. For updated, accurate country of origin data, it is recommended that you rely on product packaging or manufacturer information.
Cubbie-tray storage in an eco-friendly unit,
Cubbie-tray storage in an eco-friendly unit- Papers lay flat - no curled edges - in the twenty four paper trays- Trays not included and sold separately- Pictured here in black trim- Also available in red navy and caramel trim- Features Made with 100 percent recycled wood fiber Promotes better indoor air quality May help contribute to five LEED credits Edgebanding in four colors KYDZSafe edges KYDZStrong construction KYDZTuff finish Caster mounted Product Dimensions - 48 x 15 x 35-5 inches SKU: JNTC2544
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THE BLACK SUN UNVEILED and the Birthday Child of December 21, 23 , 2012..
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What your saying isn't good , right ?
it is neither "good" nor "bad"
it is reality
as you know
we have discussed that the field functions within all structures and it`s functions alters dependent upon the shape of the structure
we have suggested the differing field effects have two things in common
1) all effect is as a result of the same field(s)
2) vortical motion is always the expression of the field
thus we may agree that no matter the emotional sensation and informational interaction experienced, the cause and effect is always from the same cause (field(s)) and the effects are always vorticle in origin
with that in mind:
It is possible by clairvoyance to watch the action of that force, to see how
the service of the Eucharist builds up a thought-form, through which that force is distributed by the priest with the aid of the Angel invoked for that purpose
. It has been so arranged that the attitude of the priest, his knowledge - even his character - does not in any way interfere with the due effect of the Sacrament.* (*See No. 26 of the Thirty-nine Articles of the Church of England in The Book of Common Prayer.) There is, in any case, an irreducible minimum which is transmitted. So long as he performs the prescribed ceremonies the result is achieved.* (*See The Canons and Decrees of the Council of Trent, by T. Waterworth, p. 55 (Session VII, Canon xii)) If he is also a devout man, those who receive the Sacrament at his hands have the additional benefit of a share in his love and devotion, but that in no way affects the value of the Sacrament itself; whatever his failings, the divine strength is outpoured upon the people.
With us also it is the Master of the Lodge who is responsible for the magnetization of the double square, but the Brn. ought all to help in that work.
The object is to charge that space heavily with the highest possible influence, and to erect a wall round it in order that the influence may be kept in place. The part played by the thought-form is much like that of a condenser. It matters not how much steam may be generated, it is useless for work unless it is enclosed and kept under pressure.
In this scheme we accumulate and use the force which otherwise would scatter itself freely over the surrounding neighbourhood.
link to www.anandgholap.net
now the question may be
thought forms by default are fantasy thus have no access to the field because they are not real
they are formed and sustained by human emotion
thus we appear to have the following conundrum in our temples and churches
the shape of the church/temple enhances field effect
the humans within the structure experience altered state and informational enhancement which they transfer into thought form
the thought forms retain the information provided for them by their creators, the human emotions and over time the thought forms become more and more aware as successive generations of their creators die and new disciples replace the dead ones
so the question is
do humans form thought forms to store information and if that is so
why do humans worship them?
Thread: SAINT LOUIS ~ syncroni ~ €it¥ , Missouri (Page 29)
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Wide view of the sun setting over the dunes of the Namib Rand. Namibia
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- Africa,
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Wide View Of The Sun Setting Over The Dunes Of The Namib Rand Namibia Stock PhotoAfrica,Arid Climate,Barren,Beauty In Nature,Color Image,Day,Desert,Extreme Terrain,Horizontal,Idyllic,Landscape,Namib Rand Nature Reserve,Namibia,No People,Non-Urban Scene,Outdoors,Photography,Physical Geography,Remote,Rippled,Sand,Scenics,Sunset,Tranquil Scene,Travel DestinationsPhotographer Gallo ImagesCollection: Brand X Pictures


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The Hortonville Polar Bears football team has a home non-conference game vs. Kaukauna on Friday, August 19 @ 7p.
MaxPreps is looking for one person to be the Official Scorer! This person will provide LIVE play-by-play for fans to follow along during the game.
If you have any corrections for the Hortonville football schedule please contact Support.


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1. Introduction
[2] Over the past 15 years, shale gas has emerged as a viable and important energy resource. In order to produce economically viable quantities of natural gas from unconventional reservoirs such as shale, the technique of hydraulic fracturing (hydrofracturing or "fracking") is generally used [BAPE, 2011; EPA, 2012]. Hydraulic fracturing consists of injecting high volumes of "fracturing fluid" at pressures greater than lithostatic, causing the formation to fracture and thereby increase its local permeability [EPA, 2012]. After hydraulic fracturing the pressure is relieved by the "flowback," composed of fracture fluid and formation fluids, which returns to the surface [Gregory et al., 2001]. The fracking fluid is commonly composed of ∼99.5% water and proppants (generally sand), and ∼0.5% chemical additives including acids, solvents, and biocides [BAPE, 2011; Gregory et al., 2011]. Additionally, the flowback not only contains saline formation fluids and natural gas but also naturally occurring contaminants present in the host shale rocks such as radioactive compounds and heavy metals [Gregory et al., 2001; Groundwater Protection Council and All Consulting, 2009].
[3] Concerns about the potential environmental impact of hydraulic fracturing have increased, especially risks relating to drinking water resources [Kargbo et al., 2010; EPA, 2012]. Potential drinking water issues include: (1) water resource stress due to water withdrawal; (2) water pollution related to spills and leaks at above ground hydraulic fracturing operations; (3) unsuitable treatment of wastewater; (4) failures of wells in the shallow subsurface due to poor cementing or steel casing corrosion; and (5) geologic failures at depth as a result of the fracturing that could cause potential contamination of shallow groundwater aquifers via preferential pathways [EPA, 2012]. Some of these issues can be addressed by better design and the application of stringent regulations. However, the impact and potential of contamination of groundwater over long time scales aquifers related to the fracturing of the target shale unit is unclear. Although fluid migration rates are usually extremely slow in deep sedimentary systems, heterogeneities such as faults can provide preferential pathways [Garven, 1995; Person et al., 1996] through which fluids carrying contaminants may migrate more rapidly to reach shallow aquifers.
[4] The potential contamination of shallow aquifers from fluids originating from gas-bearing shales via preferential pathways such as faults has been acknowledged [BAPE, 2011; EPA, 2012], but is often considered negligible compared to other potential drinking water issues related to shale gas exploitation. This type of contamination has been considered as highly unlikely because (1) no fracking fluid has yet been found in drinking water wells [Osborn et al., 2011]; (2) the significant distance between the shale unit (at depths up to a few thousand meters) and the shallow aquifers (at less than a few hundred meters depth) would not lead to contaminant migration over short timescales [Alpha Environmental Consultants, 2009; Zoback et al., 2010; BAPE, 2011; Howarth et al., 2011]; (3) the formations above the shale unit often contain low-permeability lithologies that would decrease further the rate of transport [Arthur et al., 2008; BAPE, 2011]; (4) it is very unlikely that hydraulic fractures would propagate over such long distances to directly connect the gas shale and shallow aquifers [Zoback et al., 2010]; (5) fault reactivation due to hydraulic fracturing would likely occur on small distances of a few meters [EPA, 2012]; and (6) during gas production, downwards and horizontal flow to the horizontal shale gas well would be promoted, decreasing the risk of upwards migration [Howarth et al., 2011].
[5] Conceptually, although fluid migration rates are usually extremely slow in deep sedimentary basins, migration of contaminants from the gas shale driven by an overpressured shale gas formation to a shallow aquifer may be possible if hydraulic fracturing induces communication with other fluid conductive paths, such as faults or production wells. If conductive paths are present from the gas-bearing shale to shallower depths, the long distances and low-permeability units may not act as sufficient barriers for fluid flow to shallow aquifers. Furthermore, although fluid flow toward horizontal shale gas wells would be enhanced during gas production, it may not be the case once production has stopped as overpressure may still remain in the gas shale. Finally, the lack of observed contamination of drinking water wells, after less than 30 years of shale gas hydraulic fracturing, does not preclude future groundwater contamination.
[6] We discern three scenarios in which a hydraulically conductive fault zone could represent a potential pathway for contamination from a hydraulic fracture zone: (1) hydraulic fracturing reactivates a nearby fault zone due to the stress regime in the formation causing additional deformation and offset; (2) hydraulic fractures may develop from the production well to the fault zone, potentially increasing the size or permeability of the damage zone associated with the fault; and (3) the fault zone may act as a hydraulic conduit, even without interaction with hydraulic fractures. Fault zone reactivation and the loss of hydraulic fracturing fluids into fault zones suggest these scenarios are plausible. Fault slippage and reactivation [Sibson, 1990; Zoback, 2007] is caused by liquid or gas injection [Streit and Hillis, 2004; Soltanzadeh and Hawkes, 2009; Konstantinovskaya et al., 2012], or by the depletion of fluid pressures during production [Streit and Hillis, 2004]. Additionally faults are controlled by shear and normal stress components on the fault plane [Nacht et al., 2012], fault orientation [Rudnicki, 2002; Soltanzadeh and Hawkes, 2009], and the reservoir geometry and dip angle [Soltanzadeh and Hawkes, 2008]. Fault zone reactivation due to hydraulic fracturing has been reported by several microseismic studies and is one of the most common anomalies identified using microseismic measurements [Cipolla et al., 2011]. During hydraulic fracturing operations, faults are generally avoided when drilling as they give rise to a number of problems. The negative impact of fracturing in the vicinity of a fault zone are a decreased hydraulic fracturing of the target formation, a potential increase in flowback water, and a significant cost to the operator in terms of time and materials [Wessels et al., 2011]. Several reports underline the issues related to fault zone reactivation in hydraulic fracturing operations [Soltanzadeh and Hawkes, 2008; Maxwell et al., 2009; Soltanzadeh and Hawkes, 2009; Cipolla et al., 2011; Wessels et al., 2011], suggesting that fracturing in the proximity of permeable fault zones at depth is not an uncommon occurrence.
[7] Although fault zones can clearly be permeable hydraulic features at the typical depth range of prospective shale gas formations (0.5–4.5 km [EIA, 2011b]), an important question is whether fault zones could be continuous permeable features from the depth of shale gas formations to near the surface. Fault zones have a complex hydraulic structure that can be barriers, conduits, or conduit-barriers [Caine et al., 1996; Aydin, 2000; Rawling et al., 2001; Bense and Person, 2006; Bense et al., 2013]. Techniques for predicting low permeability fault zones in sedimentary basins, called "fault seals" have been described in the petroleum literature. For example, the shale gouge ratio [Yielding et al., 1997] uses the estimated clay-content of faults to determine the sealing capacity of the fault. However, multiple lines of evidence suggests faults in sedimentary basins can also be conduits of gas, petroleum, and mineral deposits [Moretti, 1998; Pinti and Marty, 2000; Boles et al., 2004; Muchez et al., 2005; Person et al., 2008; Pfaff et al., 2010]. Mineral deposits, such as Carlin and Mississippi Valley type, located along faults indicate that extensional fault zones have transient permeability fields that are conductive from kilometers depth to shallow depths at least episodically over geologic time [Muchez et al., 2005; Person et al., 2008; Pfaff et al., 2010]. Correlations between noble gas concentrations and geological features suggest the upwards migration of gas and deep fluids through fractures and faults [Lombardi and Pinti, 1992]. Hydrocarbon modeling and observation suggests even very narrow, transient, and moderately permeable faults can focus the migration of hydrocarbons [Moretti, 1998; Pinti and Marty, 2000; Boles et al., 2004]. Fault zones in siliciclastic sedimentary basins are often sand-shale gouges acting as complex conduit-barrier systems with transient fault permeability structures likely evolve on short to geological timescales [Faulkner et al., 2010]. The gas, mineral, and petroleum observations, as well as the evidence of fault zone reactivation and the loss of hydrofracturing fluids into fault zones at depth, suggest that some fault zones could be hydraulically conductive from the shale gas formation to shallow depths. For any given basin, actual sedimentary, stress, structural, and hydraulic conditions will have to be assessed to identify the potential presence of hydraulically conductive faults. Previously, a simple groundwater flow and transport model simulated the migration of contaminants from a shale formation to shallow depths through a fault zone [Myers, 2012]. However, the conclusions drawn from this model have been questioned because of the simplifications and assumptions of this model including unrealistic boundary conditions and using a constant density, finite-difference, single-phase simulator [Saiers and Barth, 2012; Cohen et al., 2013]. Thus, there is a need for more realistic modeling of these fault processes for a better understanding of the risks associated with contamination of shallow aquifers due to hydraulic fracturing.
[8] The objective of this study is to assess whether hydraulic fracturing could lead to contamination of shallow aquifers via preferential fluid migration along faults, and what factors control the potential for significant contaminant transport into shallow aquifers. To achieve these objectives we: (1) compiled publically available data on shale gas formations, fault parameters, and hydraulic fracturing operations; (2) used a numerical model to simulate the effect of shale gas fracturing in a generic faulted sedimentary basin that is representative of the data from multiple basins; and (3) conducted a sensitivity analysis with the model to examine the sensitivity of contaminant transport to basin, fault, and hydraulic fracturing parameters that covers the range of parameters found in literature. The numerical model is a two-dimensional, single-phase, multispecies, density-dependent, finite-element numerical groundwater model, and is used to assess the solute transport potential along a fault zone, from a shale formation to a shallow aquifer, following hydraulic fracturing.


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