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NZ tech punching above its weight

Andrew Mitchell

Some wonderful examples of entrepreneurial drive and global innovation can be found in the burgeoning New Zealand startup community and emerging listed companies. Here we share our thoughts on the scene following a recent trip, and update on Xero as well as an earlier-stage NZ tech success story.

NZ's third largest export: Technology

While we focus on publicly-listed companies on the NZX, we can only be impressed with the speed in which New Zealand’s start-up community has rapidly developed into a globally relevant destination for local and international venture capital.

According to a recent report from the NZ Ministry of Business, Innovation and Employment, more than NZ$875m in capital was raised in 2017 by New Zealand-based businesses across the private equity and venture capital space.

Early stage capital commitments tend to favour higher-growth opportunities and it has been the burgeoning Kiwi tech sector that has proven to be the key attraction for foreign capital in recent years.

From barely rating a mention only a decade ago, technology now sits as the country’s third largest export (behind tourism and the dairy industry) with the NZ tech industry contributing over NZ$10bn in combined revenue in 2017 and employing more than 40,000 people.

Source: NZ Ministry 0f Business, Innovation & Employment

No event could perhaps be more symbolic of the heights to which the emerging and start-up environment in New Zealand has reached than the pending first commercial rocket launch from NZ-based start-up Rocket Labs – expected sometime toward the end of June this year. Started in 2006 by New Zealander Peter Beck as a company focused on developing smaller, lower-cost satellites for the telco, mapping and space research industries.

The business has developed a pilot rocket (in their manufacturing site in Auckland) entirely powered by engines that are constructed by 3D printers that are expected to provide customers with the opportunity to deliver smaller commercial payloads into orbit. With the business already commanding a private valuation in excess of US$1bn prior to achieving first revenues, the potential for the business to meaningfully grow from here is enormous. Keeping true to their New Zealand heritage, the launch of the company’s 17-metre tall ‘Electron’ rocket won’t occur at the more familiar launch pads of Cape Canaveral or Kennedy Space Centre, but from a private launch site in the Hawke’s Bay on New Zealand’s North Island.

From Xero to Hero

We wrote about Xero on Livewire in 'From Xero to Hero' back on August 10th 2017. Livewire reached out to us recently noting the 65% gain in the stock price since the wire, and asking us for an updated view on the company. Our visit has provided us an ideal platform with which to do this.

While no longer NZX-listed, cloud accounting software developer Xero (XRO), for example, has continued to experience a terrific rate of growth as their global sales strategy begins gains momentum.

From humble beginnings in founder Rod Drury’s Wellington apartment in 2006 (the business didn’t operate from a formal office premises until 2007), the company now commands a NZ$6bn market capitalisation with over 2000 staff worldwide and 1.4m subscribers across 180+ countries. In its breakout year in 2008, the firm was thrilled to announce to shareholders annual total revenues of $134,000 – ten years later and the business now generates over $100,000,000 a quarter.

While the business is no longer a ‘small cap gem’ lying undiscovered across the Tasman, the considerable market capitalisation of the business isn’t symbolic of a business that has reached peak growth, in fact far from it. While the initial core markets of Australia and New Zealand are certainly maturing (i.e. they are still experiencing overall growth however the rate of that growth year-on-year will slow from here), the business at a group level will still record overall subscription growth for FY18 in the order of ~30%, with a similar amount of growth expected for the 2019 financial year.

Expansion into global territories will be the primary driver of growth from here, given the business remains in the early stages of market penetration in the much larger US and UK markets. The UK experience, in particular, has been highly encouraging to date with subscriptions to Xero’s product growing +47% on the prior year. We expect to see a continued acceleration in net subscription additions (i.e. growth increasing at an increasing rate) as market share increases and overall brand awareness expands.

Xero Net Subscriber Additions by Geography (‘000’s)

Source: Evans & Partners

Pleasingly, the business looks set to benefit from some regulatory tailwinds in the UK in FY19 that will require all businesses with revenue >£85,000 to lodge tax returns electronically. While the overall impact at this stage is hard to quantify, we are reminded of the incredible surge in license sales experienced by Australian accounting software provider MYOB through the 1999-2000 period following the announced introduction of the GST in July 2000. Winning the UK, in our view, will be critical for the business on a five-year view as it essentially provides a sound capital base to then attack and grow into more international market opportunities – potentially Canada, Singapore, South Africa and Malaysia.

Perhaps more importantly, the business has now reached the crucial stage of moving from loss making to first profitability, effectively enabling future organic growth to be funded by its own free cash flows. While the journey has taken ten years to reach cash flow breakeven, the subsequent uplift in equity value of the business over the period again provides a wonderful example of the incredible competitive advantage that businesses with a supportive shareholder base enjoy. Sacrificing near term profit or dividends for longer term growth optionality hasn’t historically been an easy sell for Australian or NZ-listed management teams and it is encouraging to see shareholder patience being acutely awarded.

Pushpay: Pushing higher

Fellow listed Kiwi tech player Pushpay Holdings (PPH) has provided us with another fantastic example of entrepreneurial grit and innovation from the Land of the Long White Cloud. The mobile payment technology business (focused primarily on the church-giving and charity sectors) announcing this month a more than doubling of revenues to US$70.2m over the year while average revenue per customer increased +36%.

This is a terrific achievement for a business that had its genesis only in July of 2011, where co-founders Chris Heaslip and Eliot Crowther shifted their own paid work commitments to work nights in order to focus on the development of their mobile payment application idea during the daylight hours. Fast forward seven years and the business stands as a dual-listed public company with market capitalisation in excess of $1bn processing more than US$3bn in annualised payments across the platform they created.

Faith-based giving (i.e. donations from individuals to their respective churches and/or charities) across primarily New age Christian churches' congregations in the United States has provided the bulk of the growth to date, with the Pushpay platform now being utilised across 54 of the top 100 largest churches in the US. Religion is an enormous business in the US, with the faith sector processing well in excess of US$120bn in donations across 340,000+ churches each year - a thematic we expanded on some time ago when we first highlighted the business to investors.

In a similar vein to Xero, the business is shortly approaching its own ‘second act’ of the growth story, with the company expected to reach monthly cash flow breakeven by the end of calendar year 2018. While dual-listed currently on both the New Zealand and Australian stock exchanges, the business has also flagged the likelihood of listing on a North American stock exchange by the end of the calendar year in order to further broaden the capital and shareholder base. With 97% of customers located in North America (in addition to 258 staff), the move seems a logical next step for the business and we look forward to the next stage of growth from Chris and the team.

Contributed by Ophir Asset Management from the May Letter to Investors

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Michael srfkjhgkerg

Can we please get a clearer picture of the graph showing the 3 year CAGR for high growth NZ companies? I can't see the company names.

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New apartments for sale Cannes Le Cannet, ten minutes from beaches

New apartments for sale Cannes Le Cannet, ten minutes from beaches

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Samsung Logo

22 cu. ft. French Door Refrigerator

Model # RF220NCTAWW

Rebate Tag

Available in 3 Color(s)

Regular Price $1,332.95

Our Price $1,199

Our Price

Savings $133.95

Add to cartAdd to cart

Recommended Accessories

  • M66B - Refrigerator Ice Maker Connector
    M66B - Refrigerator Ice Maker Connector
    6' Stainless Steel Braided Ice Maker Connector

Sleek and Roomy

Our beautiful, sleek design fit any kitchen decor and has enough room to fit up to 22 bags of groceries*. Available in 30" (22 cu. ft.), our refrigerator provides more space inside, not outside.

  • 22 cu. Ft. Total Capacity in a 30" Wide French Door
  • High-Efficiency LED Lighting Illuminates Virtually Every Corner
Total Capacity (cu. ft.) 21.8 cu ft
High-Efficiency LED Lighting Yes
Cooling System Mono Cooling
Surround Air Flow Yes
Power Freeze and Power Cool Options Yes/No
Humidity Controlled Crispers 2
Tempered Glass Spill Proof Shelves 5
Gallon Bins 6
Auto Pull Out Clear Upper Freezer Drawer Yes
2-Minute Door Alarm Yes
Contour Doors w/ Smooth Finish Yes
CoolTight Door Yes
Display Color Blue
Refrigerant R134a
Adjustable Shelves Yes
Product Dimensions with Hinges, Handles and Door (W x H x D) 29 3/4" x 66 3/4" x 36 1/4"
Product Dimensions without Hinges and Door (W x H x D) 29 3/4" x 65 1/4" x 30 7/8"
Product Dimensions with Door with Handles (W x H x D) 29 6/8" x 66 6/8" x 36 1/4"
Product Dimensions with Door without Handles (W x H x D) 29 3/4" x 66 3/4" x 34 3/4"
Product Dimensions with Doors Open (W x H x D) 29 3/4" x 66 3/4" x 45 6/8"
Product Dimensions without Hinges or Handles 29 3/4" x 65 3/8" x 33 7/8"
Product Dimensions without Door without Handles (W x H x D) 29 3/4" x 66 6/8" x 30 1/2"
Shipping Dimensions (W x H x D) 31 7/8" x 74 3/4" x 36 1/4"
Net Height without Hinge (in) 65 3/8
Product Width 29 3/4"
Product Height 66 3/4 "
Product Depth 36 1/4 "
Refrigerator Features
Refrigerator Capacity (cu. ft.) 14.8
Humidity Control Crispers 2
Tempered Glass Shelves 5
Gallon Bins 6
Total Bins 6
High-Efficiency LED Lighting Yes
Interior Light High Efficiency LED
Internal Digital Display Yes
Shelves 5
Spill proof shelves Yes
Automatic Ice Maker Yes
Freezer Features
Freezer Capacity (cu. ft.) 7
Drawer Divider 1
High-Efficiency LED Lighting Yes
Built-In Automatic Icemaker Yes
Cubed and Crushed Ice Cubed
Interior Light High Efficiency LED
Large 2-Divider Opaque Bins Yes
1 Year One (1) Year Parts and Labor on Refrigerator
5 Years 5 Years Sealed System Parts and Labor5 years parts and labor sealed system*(*Compressor, evaporator, condenser, drier, connecting tubing)
Color White
kWh/Cycle 630 kWh/cycle
Energy Consumption 630 kWh/yr
Refrigerator Type
Type French Door
Product Weight (lb.) 251.3 lbs
Shipping Weight (lb.) 275.6 lbs

Samsung Winter Kitchen Rebate

  • Rebate Ends: 2/28/2019
  • Must be postmarked by: 5/29/2019
  • Description: Receive 10% back on purchase of a qualifying 4 piece Samsung Kitchen Suite. Rebate form must be postmarked by 5/29/2019.
  • Download Rebate Form

Extended warranties are usually very inexpensive and can save you thousands in the future. Some can even cover extra costs that result, such as cost of food that spoils when your fridge dies. It's simple and inexpensive to purchase extended warranties and one of the smartest ways to protect your investment.

Appliances can be large, heavy, and expensive and you probably don't have the special tools or expertise needed to fix them in a crisis. If you can spare a few thousand dollars without batting an eyelash for new appliances should they break tomorrow, don't buy a warranty. But if you're like most of us, protect yourself by purchasing inexpensive extended warranties when you buy a new product and save yourself big money in the long run.

Professional delivery and installation is available for every product we sell. We would be happy to coordinate delivery and installation for you.

Questions or Comments?
Call 912-352-4392 for assistance. Click Here for Livingood's Appliances & Bedding location and contact information.

When it comes to buying new appliances for your home, there are a lot of choices available to you. We merchandise our store with careful consideration, striving to carry the appropriate variety of the best brands available today. We know everything about our products and are eager to help you find anything that fits your unique needs. Let us help you find your perfect match in size, features, price, and style.

Finding the right appliance can be a daunting task, but one well worth the effort. You'll use your new appliances often, and they add value, style, and convenience to your home. Make sure you have the right information to help you make these important decisions. Shop with experts who can show you the best selection available and answer all your questions; come see our inventory of the latest trends and the most dependable manufacturers.

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Shop where you can see the finest selection of the best products available today to match your budget, needs, and style. Shop where experts can guide you through the myriad of options available and can answer your every question. Shop where you get exceptional service for the life of your appliance.

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Psychic readings by Krystal

Psychics & Astrologers | Longview, TX

30% off any reading

30% off any reading PALM&TAROT chakra balancing spritual guidance or any crystal.

Provider LocalSaver

about this business

Psychic Reader, & Advisor Helps with, all problems, and matters, of life. Love, Finance, Family, Job, ect. I’ve been Gifted to help and guide people, through many problems.. Painful issues like love and relationship problems, and feeling lonely or any other question regarding your loved one and partner? Please contact me with an open mind so I can connect with your energy. After the reading and based on the situation, I would give you detailed advice and take you through each step to try and get the happiness back in your life. Born Gifted Psychic Helps and Guides Through all problems of life, I’ve been rated 5Stars In the State of Texas, I’ve owned my business for 15Yrs now. and Been established In Three differant Citys. Help people in the areas of love, business, money, health and happiness. and more I am very honest and straight forward if you are lost confused or just need some advise I open my heart to you don’t let time and confusion stand in your way of finding out your destiny. You are one click away from finding out all you have been wanting to know. If you have questions such as Does he/she love me? Are we connected with each other/energy? Are we meant to be? Contact me for these types of answers. I am an Honest Reader so please keep an Open Mind. I am not here to give you false hope and say things just to make you feel better. I am here to tell you exactly what I feel and see, to help guide you into the right direction. I only say what is being brought through to me, But said with a Compassionate Heart. I am here to make a difference. I’m sure that working on being truly positive and balanced in mind, body and spirit will create an inner strength which can not be shaken. I am able to Channel in and feel the energy around you along with my Spirit Guides and Tarot Cards I see and feel the situation that matters to you!. If you are Tired of False Promises and you are ready to hear the Truth Regarding, Love, Relationship, Marriage, Business Do you Question: Does my partner Love me? Is my partner being true to me? Will I ever be in a healthy relationship? Is someone from my past coming back or should I close the door and move forward? Will I get a good Job? Will I be promoted? Will I get a raise? Am I going to move? Buy a Home? Travel?I will always give a true and honest answer. Call today! Do you feel like life is confusing and you don't know which direction to go in? Do you feel that you have lost your sense of self, who you are and you aren't sure why? Or would you just like to know what the future holds? and if you will find true love?The answers to your peace and happiness start now, I can help you live the life you've always dreamed of and find your true happiness.

Psychic readings by Krystal location & information

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2121 e marshall avenue
Longview, TX 75601

contact this business

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Online Tutorials

A great way to prepare your portfolio!

“After failing my first year I began to attend one to one tutorials at London Art Portfolio. After attending tutorials for a year I ended happily with a first and now moving onto second year! Julia was of great help in finding an ideal tutor for me and organising the tutorials.” – Shanice Tang-Wah

One-One Online Tutoring

£210 per two hour session (prices incl. 20% VAT*)

Online tutoring is a easy and fun way of learning with no travel costs and at a time that suits you.

One-One Online Tutorials are a great opportunity for you to receive quality bespoke feedback on your personal requirements, which can either lead to a successful art and design portfolio, or for the practicing artist or designer, inspire innovative ideas and concepts, alongside the exploration of materials, process and technique.
Some Art and Design Portfolio Preparation Course tutees also choose to book One-One Tutorials for finalising the organisation of their portfolio and their online Foundation, UCAS or Masters applications. As well as professional development and a change in career.
We try to be flexible and offer a choice of pay-as-you-go or block booking.
Beginners to advanced level are welcome.

Each One-One Tutorial booking is delivered in 2-hour minimum sessions. During each session you will then be set specific tasks to learn or improve that relate to your personal needs. At the end of each session a ‘Independent Study’ outline will be discussed and drawn up for you to follow through in your own time. The whole process is very bespoke led which is ideal for your University applications.

Online Tutorials can also be booked for support and advice on your whole online UCAS application. This can include any or all of the following:
Which specialist field is best for you and your future career!
Which University Art Schools to apply to in London, the UK or elsewhere.
Specialist art and design course choice support
Online UCAS Application support
Personal Statement support (content and EFL support)
Interview Technique support
Confidence Building
Reference Writing

Reference opportunity for committed portfolio tutees

£315 per reference – 1.5hr session

£105 per hr x 3 hours minimum. Price inclusive of 20% VAT

For committed students this can also lead to receiving a very supportive reference from London Art Portfolio for your Foundation, UCAS Undergraduate, or Masters applications. We have a close working relationship with the University of the Arts London and University of Creative Arts London, Goldsmiths, Brighton Art School and many more art and design education institutions in the UK, EU and overseas! A high end reference is an essential part of your University application process. Our team has the experience to offer exceptional English language skills, combined with the necessary art and design vocabulary that is expected for specialist art and design applications for all levels.


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Whether you are charming your shareholders, popping corks to celebrate a great year or thanking your team for hard work with a few beers, we’ll take care of everything bar. We are experts in creating receptions that invigorate your team whilst helping you stay focused and professional.

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Year End Celebrations
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Office Happy Hours, casually connecting your teams
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Tel: +44 7528 088899
OR +44 7834 034491


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Orchard Hill Country Inn

B&b in Julian

Turn back the clock at this romantic B&B where rooms are spread across an arts-and-crafts lodge and a dozen cozy cottages are spaced around a garden with a little creek.

Each is decorated differently but all feature a fireplace or patio; some also have Jacuzzi. Rates include breakfast and afternoon snacks with wine or beer.


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Look Who’s Talking after dinner speakers can provide excellent after dinner entertainment across the full range of dinners from corporate hospitality to sporting functions and awards evenings to charity balls.

Our after dinner speakers will have come from varied careers such as politics, medicine, law and order, the armed forces and the world of entertainment.

They will have considerable experience in speaking at dinners and can easily adapt whatever the event. Personal contact with a wide range of speakers enables Look Who’s Talking to find that special person.

Some examples of our After Dinner Speakers:

  • Martin Bayfield: Former England rugby international.
  • Kevin Connolly: Superb impressionist (TV and radio - Dead Ringers).
  • Robbie Glen: Ex prison governor Barlinnie Prison.
  • Dr Kevin Jones: Amusing stories from the medical world.
  • David Kendall: The bank manager from York.
  • Mike Cowan: Ex Yorkshire cricketer, entertaining speaker for all types of dinners.
  • Peter Edge: Chief Inspector in the Merseyside Police—the lighter side of policing in the inner city. Ideal for sporting and corporate events.
  • Willie Hunter: The Edinburgh lawyer.
  • Ian Shuttleworth: Yorkshire solicitor
  • Garry Richardson: BBC broadcaster
  • John Inverdale: radio and tv presenter
  • John Simonett: former school master and sportsman, career in industry, now a humorous speaker, presenter and conference host.
  • Henry Blofeld: former Test Match Special commentator, brilliant story teller.

MCs and Hosts

A good MC is a good investment and can often make or break a successful event. The main functions of an MC are to start and finish the evening on time, introduce guests, celebrities, speakers and at awards nights to announce the winners of the various awards. They will also help organise a successful raffle, auction and any other fund raising opportunities that are so often the main purpose of the evening.

Look Who’s Talking can provide the right MC for your event.

Martin Bayfield, Roger Dakin, Mark Jones, Willie Miller, Rod Woodward, Malcolm Lord, David Howes, James H Reeve.

Hire a speaker

Look Who’s Talking will be happy to discuss your individual event and provide the best possible entertaining speaker or speakers, whatever your budget.

01926 494323 Email us


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Thursday, January 11, 2018

Do your own fun thing: special needs parent lesson number 53,807

I dashed home from work recently to take Ben to a preschool party at our temple. Sabrina was at a basketball game, Dave had to work late, Max was hanging home with a sitter and it was just us two. The plan: Ben would sing songs with the other tots, then we'd all down treats.

I grabbed Ben and headed over. There were tons of kids there. Then the singing started; the twos class was slated to go last.

"Hey, Ben, want to sit and my lap and watch?" I asked.

"NO!" said he.

For the next twenty minutes, Ben zoomed up and down the rows of chairs. He refused to go on the podium and sing with the other kids from his class; instead, he ran around some more. Then it was time to eat. Then I needed a nap.

"Coooooooookies!" said Ben, hopefully.

But, nope: donuts. I let him try one and he liked it. Score! (Oh, what an outstanding mom I am.) He proceeded to spend the rest of the party pressing the water cooler tap, grudgingly letting other people take their turns. I was too tired to tussle with him about it. (See: "outstanding mom.")

"You need to get one of those at home!" a dad said, laughing.

"That would be my worst nightmare," I replied.

As I carried Ben to the car, he screeched "Water! Water!" because he'd left his new BFF the water cooler behind. Despite the commotion, I felt at peace. Sure, I'd missed out on seeing Ben sing with his friends. But among the many things raising Max has taught me is to let go of how activities with your child are "supposed" to be.

For years, Max didn't enjoy parties, children's events or restaurants. Dave and I struggled a lot with this. And then, we just went with it. We found one local eatery where he was comfortable, a greasy spoon with "wieners" in its name. Max only wanted to sit in the booth in the back, by the bathroom; we joked they should be a plaque there with his name on it. For the longest time, we were that restaurant's most faithful Sunday night customers. We stopped pressuring Max to go to parties, and instead we'd conquer and divide—either Dave or I would go with Sabrina, and then one of us would do something else with Max. We kept attempting to take him to new places, but if all he wanted to do at the children's museum was sit in the gigantic bus, train or fire truck, we were fine with that.

It took a long time for us to accept that we had to go with the flow. Once we did, I can't say that life was easy—when Max had public meltdowns, it was tough for us all—but at least our spirits weren't continuously crushed. Having overly high expectations of how your child will behave at, participate in or enjoy an activity is a recipe for double disaster. Because if he's not into it, and gets riled up, you're dealing with a distressed child along with your own disappointment.

There are all sorts of ways for our children to enjoy themselves; who cares if it's typical or not. At the party that night, Ben had his own kind of fun, and I got to chat with other parents here and there. Also: donuts!

Maybe next time he'll join in the singing. Maybe he won't.

It's all OK.

  1. This reminds me of the time that many of my relatives came to see my three year old (typical) daughter at her first ballet “recital.” My daughter spent 80% of the time staring at her princess-costumed self in the mirror and 20% of the time doing her own completely improvised dance while the others participated in some well-organized exercises. In the end, we all had a good laugh and a memory that will last forever. What I remember most about that recital was how amazing it was that four members of my extended family (three of whom are now deceased) traveled there because they wouldn’t miss the opportunity to cheer her on. I wouldn’t change anything about that day even if I could.

    1. So good to have family members - and people who care about you - to cheer you on.

      Would your daughter change anything about that day? I don't know that she would. She spent the day doing her favourite things with her favourite people and people who favour her.

      Mirroring and improvisation - a great balance! And laughing and remembering!

  2. Thank you for this. Good reminder to me for both my ASD and nuerotypical daughters! I am so often crushed when my ASD daughter colors outside the lines so to speak.

    1. And outside and through and around frames?

      It's the space which makes a picture, Anonymous. And it is a space for life and living! Always good to find a relevant reminder.

  3. Water dispensers are so cool.

    I had one in my refrigerator - about two refrigerators ago.

    And I think Ben will have turned on the whole temple to the water cooler way of interacting.

  4. This post and the comments put a smile on my face.

    As the mother I try to provide a variety of things/experiences for my ASD son - both the typical and the not so typical. It's like a dance. He is like a typical 15-year-old - not hugging or kissing in public. But then he loves to completely cover the driveway with sidewalk chalk.

  5. I really can relate to alot of your blog posts. My oldest son has Adhd, Asd and Spd. He is 14 now and reading your blog takes me back to when he was just a little wee guy. Thank you so much.

Thanks for sharing!

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Cadillac is one of the oldest automobile brands in the world. When you hear the word Cadillac it resonates feelings of success and grand luxury, which is why Bobby Sanchez has always been infatuated with them. Throughout the years he’s owned his fair share of them, and when his friend purchased a new Cadillac ATS he knew he had to have one.

Fortunately for Bobby, and unfortunately for his friend, the car was involved in an accident a few years later. That’s when he struck a deal to buy the wreck and became the proud owner of a mangled mess that he turned into this emerald gem. To straighten things out, he brought the car to Albuquerque Classics to get new sheetmetal installed. This served as the perfect opportunity to do a color change, so he chose a Kryptonite Green from House of Kolor. Prior to the car being cleared, Blast from the Blast factory came in and laid down some gold leaf and pinstripes to make it pop. It was topped off with a set of 17-inch gold Daytons and the necessary whitewall Vogues.

From there, the next stop for the Caddy was Paradise Village for a set of 10-inch JL Audio woofers and a full system. Done for now, but far from complete, Bobby has a laundry list of modifications to do, so be on the lookout for this gem of a Cadillac because the list is long.

2013 Cadillac ATS

Vehicle Nickname
Roller Boy

Albuquerque, NM

Rollerz Only

2.0 ATS turbo

House Of Kolor Kryptonoite Green

Custom 10-inch JL audio sub in Plexiglas enclosure

17-inch gold center Daytons with Vogues


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Wanda’s Gardening & Landscaping

Earn 1 reward point per $1 spent!

Wanda’s Weeding & Gardening is a professional, family run business based in the Perth metropolitan area. We pride ourselves on doing that little bit more, working that little bit harder and ensuring our customers are one hundred percent happy. We offer a wide range of garden services from garden design and garden make-overs to maintenance services and ongoing garden maintenance programs. We aim to please and deliver results that ensure you’ll enjoy your garden to the fullest. Happy gardens make happy people!

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Karawara WA

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Entertainment, Redefined.
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Your media gateway to access familiar content and explore new experiences.
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LUCI Unveils Line of Immersion-Demand and Virtual Reality Products at CES 2018 September 17, 2018 New LUCI immers and alyx by LUCI headsets introduce unparalleled visual quality and user comfort
LUCI & Blur Limit Deliver Keynote on the Future of Immersive Entertainment in China at Cannes Film Festival 2018 July 1, 2018 "Immersive China: A Fertile Ground for the Virtual Worlds" discussed the future of cinema, content, and VR in the Chinese market.


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Please complete the form below and we will return your message or email us directly at info@lvdbridal.com. To schedule an appointment please click the "Click to schedule an appointment" button below. See you soon! In the mean time, follow us on instagram at @lvdbridal for new arrivals, updates, and general pretty wedding stuff.

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Get help from best doctors, anonymously
Common Specialities
Common Issues
Common Treatments

My mother in law is having ulcer in mouth for 18 months. She is diabetic also. What treatment should she needs.

1 Doctor Answered
Dear Lybrateuser, - She should maintain oral hygiene by brushing teeth after every meal, do Listerine solution gargles twice a day - get a checkup done by a dentist to rule if any tooth is causing the problem, also a biopsy of the ulcer may have to be taken for exact diagnosis since it is a long standing problem - avoid spicy & hot food, drink plenty of oral fluids - blood sugar should be regularly monitored & lowered by proper diet, exercise & medication.
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Search thousands of fashion stores in one place
How to find the best deals this sales season

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Ideal for daily essentials or as a clutch. The interior waterproof lining makes cleaning a breeze. And the zipper ring hooks nicely onto our totes. Easy peasy! Large size: 10" x 7.5" x 2.5" / medium size: 7.5" x 5" x 2.5" / small size: 5" x 4" x 1". Recycled canvas and printed with eco-friendly pigment inks. India. Colour: blue


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Search thousands of fashion stores in one place
How to find the best deals this sales season

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Jacquard, plain weave, no appliqués, two-tone, front closure, button closing, long sleeves, buttoned cuffs, classic neckline, no pockets, small sized. 100% Cotton. Colour: blue

Previously sold at: YOOX


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The Most Kickass Signs At The 2018 Women’s March

Yesterday thousands of women in America – and around the world took to the streets for the 2018 Women’s March, exactly a year after the first march which was held in opposition to US president Donald Trump’s election. While last year was solely based on protesting against the Trump administration this year new themes were added such as – Power to the Polls which encourages women to vote.

Just like last year there were a lot of creative, funny and powerful signs out and about during the march so we’ve compiled a list of a few of our favourite ones.

View this post on Instagram

#womensmarch #womensmarch2018 #theresistance

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The Story of My Life

Walls but rather chairs separating the tables.

Is because the place had been laid out in such a manner that there weren't My tales are in chronological order. I invite you to follow along with read the following stories in this sequence as a prelude to this one: I became a widower unexpectedly in January. I had been lonely and in pain; I chose a offer. She stayed on as my maid and turned into my part time sexual playmate. (I Hire Monica the Maid; Monica's First Day as My Maid; Monica the Maid's Three Hole Day). Among those things I did when I began to come out of my funk was supposed to begin seeing my doctors again and that is how this story was written.

I could tell she had been educated. Linda took me back to a few of the massage channels. The reason I state that It was early, about 10:30am when I came, and Linda recognized my voice . I paid cash for a 90 minute session. Linda was 40s, very attractive figure Thai, thin however a large rack which she was trying to hide with a black sweater. She wore black slacks and shoes that were flat. Nice earrings and a pearl necklace ring however. Shoulder length hair that is dark. Monica became a regular at my house, arriving by 7:30 in the morning on Tuesdays and Wednesdays and leaving each day at 4pm for the home. I had a plan for her period as I said and I'll share that in a future episode. About the exact same time I hired Monica for her new job, I met a lady I will call Linda. She owned a massage parlor in a neighboring town, and I first seen her after a medical appointment. I found her location and looked on Craigslist for a nearby parlor and was stressed out, freaking out from the medical test.

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Fall Sports Top Stories

Girls’ Volleyball Beats Turlock, Advances to Northern California Championship

The girls varsity volleyball team secured its spot in the Northern California (NorCal) Championship game with a three-set win against Turlock on the evening of Tuesday, November 22. After defeating Tracy in three straight sets on Saturday, November 19, the Bears were ready to fight for their chance to repeat last year’s NorCal success.

The Bears prepare to play.

The matchup with Turlock was a crucial one for M-A, and the energy in Ayers Gym as the match began reflected this excitement. The seventh woman club cheered on the Bears, and families and friends joined in to show their support. Despite the intensity of the match, M-A remained calm under pressure from the first point to the last. In the first set, head coach Fletcher Anderson relied on a powerful starting lineup that included four strong seniors.

Senior outside hitter Jacqueline DiSanto kicked off the match with a nice float serve and followed this with a smart kill out of middle back to bring the score to 2-0 in M-A’s favor. Turlock’s setter retaliated with an aggressive setter dump to earn her team its first point. M-A quickly regained the point, and sophomore Alicia Letvin went back to serve. Good serves and solid attacks from the front row brought the Bears to an early 5-1 lead.

Senior Kiana Sales attacks from the outside.

Senior Eliza Grover earned an impressive kill from the right side to bring the score to 6-3, then went back and delivered two forceful serves. Freshman middle blocker Marit Hoyem followed with an impressive stuff block to widen M-A’s lead to 8-4. Turlock called a timeout to slow the Bears down, but they kept pushing with relentless offense. Grover executed another great attack, and DiSanto followed with a kill of her own to bring the score to 12-6.

A few points later, Turlock’s setter earned another point off a setter dump, but Grover countered with an untouchable hit. Following this kill, Hoyem slammed down a nice set out of middle front, and the Bears were ahead 17-11. Senior setter Kirby Knapp continued to set up a consistent offense until the Bears took set one 25-14.

Knapp sets Letvin from middle front.

In the second set, Anderson stuck with the same lineup. M-A showed just as much fight, but Turlock rallied and kept the score much closer than before. DiSanto swung from the outside to start set two with a kill, but Turlock eventually tied the score at 5. M-A pulled ahead with a kill, but Turlock responded with a stuff block. The game continued back and forth as both teams attacked aggressively and chased down tough balls on defense.

Letvin and Grover put up a towering block to tie the score at 16, forcing Turlock to call a timeout in an attempt to regain control of the game. After the timeout, the score stayed close with Grover putting a ball away from left front to tie the set at 17. DiSanto tied the game at 19 with a perfectly placed kill from middle back. Grover added a kill on a fast slide set, and the Bears finally pulled ahead after a stuff block from Hoyem and senior Kiana Sales, and a roll shot kill from Sales. DiSanto ended the close set with a kill from the outside, and the Bears won 25-20.

DiSanto swings from middle back.

In the third set, the Bears were determined to take the match and move on to NorCal finals. Grover started the match with a blistering kill from middle front, and from there the Bears built a substantial lead. Turlock added to this lead with a few missed tips and hits, and M-A took advantage of these errors by keeping its offense dialed in. Hoyem contributed a kill off a quick middle set to bring the score to 12-4, and the Bears pushed ahead until DiSanto brought the score to 19-8 with an ace serve.

Grover hits through Turlock’s block.

When the Bears were up 22-10, Anderson subbed in senior setter Casey Olsen and junior outside hitter Lauren Heller to finish the match. A few successful plays later, Sales served and the Bears won 25-12. Assistant coach Lauryn Anderson noted, “Our passing was great last night. That is always a focus for us and will continue to be for Saturday’s match.”

M-A continues an outstanding postseason with a match versus Oak Ridge on Saturday, November 26, at 7 p.m. at home in Ayers Gym. L. Anderson added, “We’re focused on this coming Saturday. It’ll be a hard-fought match with a lot on the line and our focus will be on taking care of our side and responding to whatever Oak Ridge throws our way.” A win in the NorCal finals would send M-A to Division 1 State Championships on December 2.

View live tweets of the game here

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Award to Harvey Gamage, South Bristol, 1969

Contributed by South Bristol Historical Society

Award to Harvey Gamage, South Bristol, 1969
Cartoon School Bus

This record was added to Maine Memory Network through the efforts of a student at South Bristol School. Learn more.

This 1969 letter of recognition from the Governor of Maine, Kenneth Curtis, honors shipbuilder Harvey Gamage for his superior craftsmanship in making wooden sailing vessels. The letter specifically mentions four vessels in particular; the Hero, the Mary Day, the Shenandoah, and the Clearwater.

After working as an apprentice in East Boothbay, Harvey Gamage (__ -1976) started his own boatyard on Shipyard Road in South Bristol as "Harvey F. Gamage, Bristol Yacht Building Company" and later as" Harvey Gamage - Shipbuilders." More than 300 wooden vessels were built there between 1924 and 1976, and in 1970 the first steel hull boat was launched.

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About This Item

  • Title: Award to Harvey Gamage, South Bristol, 1969
  • Creator: Curtis, Kenneth M.
  • Creation Date: 1969-10-24
  • Subject Date: 1969-10-24
  • Town: South Bristol
  • County: Lincoln
  • State: ME
  • Media: Ink on paper
  • Dimensions: 26.7 cm x 18.4 cm
  • Local Code: 1999.15.lgamage.1
  • Object Type: Text

For more information about this item, contact:

South Bristol Historical Society
P. O. Box 229, South Bristol, ME 04568

This Item is protected by copyright and/or related rights. No Permission is required to use the low-resolution watermarked image for educational use, or as allowed by the applicable copyright. For all other uses, permission is required.

Please post your comment below to share with others. If you'd like to privately share a comment or correction with MMN staff, please use this form.


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You are about to access the M&G Investments International website for investment professionals.

This site is intended for investment professionals only. It is not for onward distribution and must not be used or relied upon by private investors.

It is your responsibility to be aware of and to observe all applicable laws and regulations of any relevant jurisdiction.

This website is operated by M&G Securities Limited and M&G Investment Management Limited. Please refer to the Terms and Legal Conditions of this website for further information.

The services and products provided by M&G Investment Management Limited are available only to investors who come within the category of Professional Client as defined in the Financial Conduct Authority’s Handbook. They are not available to Retail Clients, who should not rely on the information contained in this website.

Please read this page before proceeding, as it explains certain restrictions imposed by law on the distribution of this information and the countries in which our funds are authorised for sale.

The funds contained on this site may not be registered for sale or distribution in your jurisdiction. It is your responsibility to be aware of the applicable laws and regulations of your country of residence. This information is not for use within any country or jurisdiction where said use would constitute a violation of law.

The following pages do not constitute an offer or solicitation to sell shares in any of the funds referred to on this site, by anyone in any jurisdiction in which such offer, solicitation or distribution would be unlawful or in which the person making such offer or solicitation is not qualified to do so or to anyone to whom it is unlawful to make such offer or solicitation.

Past performance is not a guide to future performance. Prices of investments may fluctuate and you may not get back your original investment.  You should ensure you understand the risk profile of the products or services you plan to purchase.

This website is not intended for use by any person in the United States. Shares in M&G Funds have not been and will not be registered under the United States Securities Act of 1933, as amended, or registered or qualified under the securities laws of any state of the United States and may not be offered, sold, transferred or delivered, directly or indirectly, to any investors within the United States or to, or for the account of, US Persons except in certain limited circumstances pursuant to a transaction exempt from such registration or qualification requirements. None of the shares have been approved or disapproved by the US Securities and Exchange Commission, any state securities commission in the United States or any other US regulatory authority, nor have any of the foregoing authorities passed upon or endorsed the merits of the offering of the shares or the accuracy or adequacy of the Prospectus. The Funds will not be registered under the United States Investment Company Act of 1940, as amended.

The views expressed within this website do not necessarily reflect the views of the M&G Group as a whole or any part thereof.

M&G companies do not offer investment advice or make any recommendations regarding investments. We only promote products and services of M&G Securities Limited and M&G Investment Management Limited.
Companies within the M&G Group which do not carry out investment business in the UK are not subject to the provisions of the UK Financial Services and Markets Act 2000. Accordingly, investors entering into investment agreements with such companies will not have the protection afforded by that Act or the rules and regulations made under it, including the UK's Financial Services Compensation Scheme.

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This site also uses other types of cookies. For more details see our Privacy & Cookies policy. This provides options of how to opt out of these cookies.

Why M&G?

M&G Investments is the UK and European asset management arm of Prudential plc. We manage investments on behalf of both institutions and the life and annuity funds of our parent company. Our aim is to help our clients meet their financial goals through long-term active investment management across a diversified range of asset classes.

For institutional investors:

  • Our Equity strategies offer the opportunity to invest in equity markets around the world with a range of products to match most risk profiles.
  • Our strength in Fixed Income provides access to a broad range of public and private debt assets including government bonds, corporate debt, asset-backed securities, multi-asset credit, illiquid credit, real estate debt, leveraged finance and project and infrastructure finance.
  • Our Multi-Asset team offers the opportunity to invest in a diversified portfolio across a range of assets and regions, while aiming to offer attractive levels of income.
  • Our Real Estate investment teams span the world, providing unique insight and opportunities to build a robust, value-driven, income-driven real estate portfolio.

As a responsible investor, we consider all of the factors that might materially affect long-term investment outcomes, including environmental, social and governance (ESG) issues. We incorporate these considerations into our investment decisions, wherever they may have a meaningful impact on risk or return.

The value of investments will fluctuate, which will cause prices to fall as well as rise and investors may not get back the original amount they invested.

Our philosophy

Our active management approach aims to deliver outperformance regardless of market conditions. We believe that this is underpinned by detailed credit analysis and our fund managers’ ability to act with conviction.

At M&G, our portfolios are managed within a robust framework of construction and risk management, helping us to achieve the right balance between risk and return.

We have developed a strong culture that is built on ensuring that we are considered a trusted partner by delivering investment strategies that are client centric. Trusted relationships are the cornerstone of our value-based, long-term investment approach, which we achieve through our expertise and innovative investment ideas.

Our strengths

We are proud to have an investment-led culture that is focused on the delivery of long-term returns for all of our clients through active fund management. We manage £286 billion (€323bn, US$377bn)* worth of assets (including £132 billion (€151bn, US$172bn)* on behalf of our parent company) across fixed income, equities, multi-asset strategies and real estate, supported by over 400 investment professionals, including one of the largest and most experienced credit research teams in Europe.

Our analysts are supported every step of the way by expert fund managers, client service professionals and product development teams. They have the scale and expertise to offer tailored investment solutions across a wide range of risk and return requirements, for pension funds, sovereign wealth funds, insurance companies and other large investors.

This mix of experienced resources has enabled us to innovate successfully across a diversified range of asset classes and to produce strong investment performance.

As at 30 June 2018.

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For investment professionals only. Not for onward distribution to any other type of client. No other persons should rely on the information contained on this website. The value of investments will fluctuate, which will cause fund prices to fall as well as rise and you may not get back the original amount you invested.


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Fueled by a surging condo market, Miami luxury home sales jumped in the second quarter, according to a report released Wednesday.

From April to June, there were 591 luxury home sales, or sales at $1 million and above. Compared to last year’s 500 within the same period, the figure was 18.2% higher.

The number of luxury condo sales soared 37.1%, while single-family homes increased 5.9% year-over-year, according to Miami Association of Realtors.

More: Classic Art Deco Estate in Miami Beach

Sellers of very fine luxury homes have adjusted prices “with a reduction ranging from 5% to 25%. That has stimulated pent-up demand,” said Christopher Zoller of EWM Realty International, who served as the association’s chairman in 2017.

Additionally, Miami has seen an infusion of out-of-state buyers since the new tax law was implemented at the start of the year.

“Miami is one of the most attractive cities with no state tax, many luxury buyers from New York, New Jersey and California are now buying residences here,” Mr. Zoller said.

The most expensive single-family home sold in Miami during the second quarter was the property once owned by real estate developer Thomas Kramer on Star Island. It sold for $33 million in June.

The highest condo sale was the penthouse at 321 Ocean Drive, changing hands for $26 million in May, according to Mr. Zoller.

Overall, the number of condo sales rose 5.6% to 4,033 in the second quarter. The sales do not include Miami’s multi-billion-dollar new construction condo market.

The median price of condos increased 5.2% year-over-year to $240,875. Cash sales accounted for 52.2% of all Miami existing condo sales, according to the report.

Meanwhile, single-family home sales in Miami fell 2.6% year-over-year to 3,782, mainly due to a lack of inventory in lower and mid-price points. The median sales price of existing single-family homes jumped 6.6% to $350,000.

Median prices for both single-family homes and condos in Miami have been growing for 26 consecutive quarters, the report said.


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Recent Reviews


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Dr. Dabber Aurora Vaporizer Review

Dr. Dabber Aurora Vaporizer Review

Sponsored by VapeActive

Flickr @ Andres Rodriguez

Customization is the greatest advantage of Dr. Dabber Aurora, which means a more versatile vaping experience for you. Whether you’re a newbie or a vape professional, you’ll definitely enjoy the smooth and flavorful vapor of one of the best wax pen vaporizers on the market today. What makes this vape so special? Let’s get to know more about the groundbreaking innovation brought about by Dabber Aurora and what you can stand to benefit from using this vaping device.

More Than Just Looks

If you are a seasoned vaper, the first thing you’ll notice in a vaporizer is the look because the appearance and feel speak a lot about a vaporizer’s overall quality. You’ll find that vaporizers from Dr. Dabber clearly display the quality of their units from the inside out. They feel incredible in the hands while also making a stylish statement. The Dr. Dabber Aurora has a sleek and modern design. The LED lights are bright, which go perfectly well with the device’s overall look. More than the aesthetic appeal, Dr. Dabber Aurora comes with fully-loaded features, such as a variable voltage battery, Snap Tech magnetic technology, and advanced atomizers.

The Dr. Dabber Aurora vaporizer looks and feels sturdy – with outstanding vaping performance. It is one of the most flavorful and easy-to-use Dr. Dabber dab pens today. You’ll be surprised because the Aurora AHOL Sniffs Glue Artist Series packaging is really cool. It comes in a faux spray can, including a custom honey hat, lapel, or mat, as well as atomizers, silicone containers, dab tool, and a charging dock.

Three Vaper Faves

First of all, the Dabber Aurora Vaporizer Pen Kit is known for its three adjustable settings, all of them catering to oils and waxes. Once your device is on, just click the button thrice to change the heat setting, wherein the green means ‘low heat’, blue for ‘medium heat’, and pink means ‘high heat’. If you prefer a mild relaxing vaping, go for low or medium, while high heat is for those who want to vape wild.

The Dabber Aurora wax vaporizer also offers three advanced atomizers. Of course, not all waxes and oils are the same, that’s why this vape has three unique atomizers included for an expanded range. The atomizers included are the dual quartz rod, dual ceramic rod, and the ceramic halo, all with quartz dish. The dual quartz rod is good to use for tasting a product with concentrates and other vape materials with extremely low viscosity. It produces a “clean” vapor flavor. The dual ceramic rod is recommended to produce bigger clouds so the vaper can feel the draws in the throat. It can be used for many types of concentrates and other materials not extremely low in viscosity. The ceramic halo heater is best for discreet vaping because it produces little clouds, which requires a higher setting – perfect for waxier oils. These atomizers are included in Dr. Dabber vaporizers for sale online, specifically for the Aurora model.

Dr. Dabber Vaporizer Usage Tips

When loading a Dr. Dabber Aurora, you have to pull the mouthpiece in an upward motion in order to separate the heating chamber from the airflow regulator. Load the prepared material onto the heating chamber or atomizer. Avoid the heating element from being in contact with the loading tool. Reconnect the airflow regulator to the atomizer once the material has been properly loaded. Avoid overloading the atomizer. Next, press the button found on the battery quickly five times, and then inhale to vaporize while pressing and holding the button.

The Dr. Dabber Aurora wax pen is user-friendly and is also good-looking. Just simply attach the mouthpiece and the atomizer with the battery, which means that you don’t have to screw and unscrew every time. You just need to bring the parts together, and rest assured that the rest is managed by the innovative SnapTech magnetic technology. When charging Dr. Dabber wax pens, you can connect your device to universal USB outlets by just simply connecting the top of the battery to initiate charging. Before using the device, make sure that the unit is fully charged. If the light turns green, it means your Dr. Dabber Aurora is fully charged. When it comes to cleaning and maintenance, this wax vaporizer is easy to clean by just wiping the pen with isopropyl alcohol at 91% or higher. No stress and hassle of cleaning involved.

What Does Dr. Dabber Aurora Feel Like?

The Aurora vaping experience is superb because it produces consistent vapors that are immensely packed with flavor. It relies heavily on the three different atomizers and iconic low-heat technology, allowing you to extract the right flavor and the right amount of vapor from your favorite concentrates. The Ceramic Halo Atomizer doesn’t have any wires or wicks, vaporizing your wax in an even manner and promoting slow draw for the best results. Vape your low viscosity concentrates using the Dual Quartz Rod Atomizer, which not only vaporizes your material evenly, but it also reduces the residual taste. The Dual Ceramic Rod Atomizer is so flexible that it can work well with almost any type of concentrates, which is recommended for a vaper who wants to make things simple and easy.

There’s no doubt that Dr. Dabber Aurora is highly recommended for anyone who wants versatility and portability combined in a single unit, something you can carry anywhere and use anytime. Every vaping session will surely be unique and convenient, no matter what you’re doing or what your lifestyle is. Feel the fun and excitement vaping with Aurora, giving you the freedom to choose the experience you want in your favorite daily habit. Indeed, this vaporizer can be your best buddy when traveling, working, or simply relaxing, allowing you to treasure every taste and aroma without stress and hassle.

In Summary

The Dr. Dabber Aurora vaporizer comes with a potent variable voltage battery, allowing you to fine tune all of your vaping sessions based on your needs and taste. For long and casual vaping sessions, you can try the lowest settings and just crank up the voltage for powerful rips. You can charge the battery easily with the included magnetic USB charger. The Dr. Dabber Aurora comes with a light-weight battery as compared to other dabbing pens. Just 2 hours of being charged in the docking bay will give you a fully-charged battery, making it a perfect vape device for light to medium smokers. The heat settings are displayed by bright LED lights for your convenience. A green light means a fully-charged device.

Final Thoughts

Dr. Dabber Aurora is true to its word, which is indeed a low-profile wax pen but with a high class. Its features and benefits won’t fail you, which is perfect for on-the-go vaping sessions. It is portable, durable, and a total rockstar when it comes to quality and performance. The price is very competitive and it sets a standard when it comes to versatile vaporizers in the market today. Personalizing your vaping experience has never been as easy as with Dr. Dabber Aurora, so grab yours today and check out Dr. Dabber vaporizers for sale today!


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Home :: Ventriloquist dolls :: Crab , foam puppet doll

Crab , foam puppet doll , MP227

Crab ,  foam puppet doll
Crab-foam-ventriloquist-puppet-MP227|www.marionettes-puppets.com  Crab-foam-ventriloquist-puppet-MP227a|www.marionettes-puppets.com
Product code MP227
Manufacturer Pavlov
Size 24 inches
Material foam, covered with fleece
Mobility professional foam ventriloquist puppets
Our price: $695.00

Crab foam ventriloquist puppet for sale, is made of modified foam rubber and covered with fleece fabric. The ventriloquist Dummy doll has a movable mouth and convenient grip control of mouth movements. The head turns 360 degrees. The soft  Dummies doll is a professionally muppet puppets for ventriloquists. Clothes are removable and may vary. It can easily be used for talking puppet show, performances by professional puppeteers, amateurs and children as well. A beautiful and original gift, a designer’s work made by hand! The ventriloquist figure dummy puppet doll will be made to order and sent to you 3 weeks after payment.

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NASDAQ:MYGN - Myriad Genetics Stock Price, News, & Analysis

Sign in or create an account to add this stock to your watchlist.
$31.15 -0.10 (-0.32 %)
(As of 12/14/2018 04:00 PM ET)
Previous Close$31.15
Today's Range$30.66 - $31.32
52-Week Range$27.27 - $50.44
Volume566,386 shs
Average Volume810,575 shs
Market Capitalization$2.34 billion
P/E Ratio25.96
Dividend YieldN/A
Myriad Genetics, Inc., a molecular diagnostic company, focuses on developing and marketing novel predictive medicine, personalized medicine, and prognostic medicine tests worldwide. The company offers molecular diagnostic tests, including myRisk Hereditary Cancer, a DNA sequencing test for hereditary cancers; BRACAnalysis, a DNA sequencing test to assess the risk of developing breast and ovarian cancer; BRACAnalysis CDx, a DNA sequencing test for use as a companion diagnostic with the platinum based chemotherapy agents and poly ADP ribose inhibitor Lynparza; riskScore, a clinically validated personalized medicine tool; GeneSight, a DNA genotyping test to optimize psychotropic drug selection for neuroscience patients; and Tumor BRACAnalysis CDx, a DNA sequencing test that is designed to be utilized to predict response to DNA damaging agents. It also provides Vectra DA, a protein quantification test for assessing the disease activity of rheumatoid arthritis; Prolaris, a RNA expression test for assessing the aggressiveness of prostate cancer; EndoPredict, a RNA expression test for assessing the aggressiveness of breast cancer; myPath Melanoma, a RNA expression test for diagnosing melanoma; and myChoice HRD, a companion diagnostic to measure three modes of homologous recombination deficiency. In addition, Myriad Genetics, Inc. offers biomarker discovery, and pharmaceutical and clinical services to the pharmaceutical, biotechnology, and medical research industries; and operates an internal medicine emergency hospital primarily for internal medicine and hemodialysis. The company has collaboration with AstraZeneca for the development of an indication for BRACAnalysis CDx. Myriad Genetics, Inc. was founded in 1991 and is headquartered in Salt Lake City, Utah.

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Industry, Sector and Symbol

Stock Exchange NASDAQ
Industry Diagnostic substances
Current SymbolNASDAQ:MYGN
Previous Symbol

Debt-to-Equity Ratio0.23
Current Ratio3.17
Quick Ratio2.83

Trailing P/E Ratio25.96
Forward P/E Ratio20.77
P/E Growth1.81

Sales & Book Value

Annual Sales$772.60 million
Price / Sales3.01
Cash Flow$1.9765 per share
Price / Cash Flow15.76
Book Value$13.62 per share
Price / Book2.29

EPS (Most Recent Fiscal Year)$1.20
Net Income$131.10 million
Net Margins7.07%
Return on Equity10.07%
Return on Assets7.62%

Outstanding Shares74,760,000
Market Cap$2.34 billion

Myriad Genetics (NASDAQ:MYGN) Frequently Asked Questions

What is Myriad Genetics' stock symbol?

Myriad Genetics trades on the NASDAQ under the ticker symbol "MYGN."

How were Myriad Genetics' earnings last quarter?

Myriad Genetics, Inc. (NASDAQ:MYGN) released its quarterly earnings results on Tuesday, November, 6th. The company reported $0.43 earnings per share for the quarter, topping the consensus estimate of $0.30 by $0.13. The firm had revenue of $202.30 million for the quarter, compared to analysts' expectations of $203.20 million. Myriad Genetics had a net margin of 7.07% and a return on equity of 10.07%. The business's quarterly revenue was up 13.1% on a year-over-year basis. During the same quarter in the prior year, the firm posted $0.26 earnings per share. View Myriad Genetics' Earnings History.

When is Myriad Genetics' next earnings date?

Myriad Genetics is scheduled to release their next quarterly earnings announcement on Tuesday, February 5th 2019. View Earnings Estimates for Myriad Genetics.

What guidance has Myriad Genetics issued on next quarter's earnings?

Myriad Genetics issued an update on its FY19 earnings guidance on Tuesday, November, 6th. The company provided earnings per share guidance of $1.70-1.75 for the period, compared to the Thomson Reuters consensus earnings per share estimate of $1.74. The company issued revenue guidance of $855-865 million, compared to the consensus revenue estimate of $895.07 million.Myriad Genetics also updated its FY 2019 guidance to $1.70-1.75 EPS.

What price target have analysts set for MYGN?

9 analysts have issued twelve-month price targets for Myriad Genetics' stock. Their forecasts range from $25.00 to $54.00. On average, they anticipate Myriad Genetics' stock price to reach $41.1911 in the next year. This suggests a possible upside of 32.2% from the stock's current price. View Analyst Price Targets for Myriad Genetics.

What is the consensus analysts' recommendation for Myriad Genetics?

9 Wall Street analysts have issued "buy," "hold," and "sell" ratings for Myriad Genetics in the last year. There are currently 2 sell ratings, 3 hold ratings and 4 buy ratings for the stock, resulting in a consensus recommendation of "Hold." View Analyst Ratings for Myriad Genetics.

What are Wall Street analysts saying about Myriad Genetics stock?

Here are some recent quotes from research analysts about Myriad Genetics stock:
  • 1. According to Zacks Investment Research, "Over the past three months, Myriad Genetics has outperformed its industry. The company observed strong growth in GeneSight, Vectra DA, EndoPredict and Prolaris testing revenues, in the last reported quarter. Further, management believes that Hereditary cancer pricing has remained stable on a sequential basis for three consecutive quarters. We are upbeat about Myriad Genetics’ expectation to witness a stable pricing trend throughout fiscal 2019. Moreover, the company seems to be positioned to deliver strong fiscal 2019 results on solid performance by new products, the recent Counsyl buyout, success of the Elevate 2020 program along with higher reimbursements for tests. However, the decline in Hereditary cancer testing revenues due to pricing issues raises concern. Currency fluctuations and stiff competition are other major headwinds." (10/29/2018)
  • 2. Stephens analysts commented, "We initiate coverage of Nightstar Therapeutics (NITE) with a Buy rating (PT$40), on the market opportunity likely addressed by NSR- REP1 in choroideremia (CHM). Choroideremia is a rare, inherited degenerative disease of the retina that typically has onsets in childhood or early adolescence. Patients then progress to reach legal or complete blindness in their 40s or 50s. There are currently no FDA-approved disease-modifying therapies for CHM. Nightstar’s lead asset, AAV-based gene therapy, NSR-REP1, is due to enter the 140-patient pivotal phase III STAR trial in 1H18 for the treatment of CHM. With the Lancet-published phase I/II data for NSR-REP1 in CHM, and subsequent updates from the multi-center program, Nightstar has been able to show that all NSR-REP1- treated patients who received the therapeutic dose were able to maintain vision to 5 years after treatment." (1/3/2018)

Has Myriad Genetics been receiving favorable news coverage?

News coverage about MYGN stock has trended somewhat positive on Saturday, according to InfoTrie Sentiment Analysis. The research firm ranks the sentiment of news coverage by reviewing more than six thousand blog and news sources. The firm ranks coverage of publicly-traded companies on a scale of negative five to five, with scores nearest to five being the most favorable. Myriad Genetics earned a daily sentiment score of 0.7 on InfoTrie's scale. They also gave press coverage about the company a news buzz of 2.0 out of 10, meaning that recent news coverage is very unlikely to have an effect on the company's share price in the near future.

Who are some of Myriad Genetics' key competitors?

Who are Myriad Genetics' key executives?

Myriad Genetics' management team includes the folowing people:
  • Mr. Mark Christopher Capone, CEO, Pres & Director (Age 56)
  • Mr. R. Bryan Riggsbee, Exec. VP, CFO & Treasurer (Age 47)
  • Dr. Jerry S. Lanchbury, Chief Scientific Officer (Age 59)
  • Mr. Richard M. Marsh, Exec. VP, Gen. Counsel & Sec. (Age 60)
  • Mr. Alexander Ford, Pres of Myriad Women's Health (Age 51)

Who are Myriad Genetics' major shareholders?

Myriad Genetics' stock is owned by many different of institutional and retail investors. Top institutional shareholders include BlackRock Inc. (15.35%), Baillie Gifford & Co. (12.77%), Vanguard Group Inc. (11.58%), Vanguard Group Inc (11.58%), Dimensional Fund Advisors LP (3.53%) and Frontier Capital Management Co. LLC (3.45%). Company insiders that own Myriad Genetics stock include Alexander Ford, Dennis Langer, Gary A King, Heinrich Dreismann, Jerry S Lanchbury, John T Henderson, Mark Christopher Capone, Richard M Marsh and Walter Phd Gilbert. View Institutional Ownership Trends for Myriad Genetics.

Which institutional investors are selling Myriad Genetics stock?

MYGN stock was sold by a variety of institutional investors in the last quarter, including Thrivent Financial for Lutherans, Allianz Asset Management GmbH, Dimensional Fund Advisors LP, Point72 Asset Management L.P., Wells Fargo & Company MN, S&T Bank PA, Pinnacle Associates Ltd. and Piedmont Investment Advisors Inc.. Company insiders that have sold Myriad Genetics company stock in the last year include Dennis Langer, Gary A King, Jerry S Lanchbury, John T Henderson, Mark Christopher Capone and Richard M Marsh. View Insider Buying and Selling for Myriad Genetics.

Which institutional investors are buying Myriad Genetics stock?

MYGN stock was purchased by a variety of institutional investors in the last quarter, including Matarin Capital Management LLC, Morgan Stanley, BlackRock Inc., Vanguard Group Inc, Vanguard Group Inc., Prudential Financial Inc., Robeco Institutional Asset Management B.V. and Frontier Capital Management Co. LLC. View Insider Buying and Selling for Myriad Genetics.

How do I buy shares of Myriad Genetics?

Shares of MYGN can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.

What is Myriad Genetics' stock price today?

One share of MYGN stock can currently be purchased for approximately $31.15.

How big of a company is Myriad Genetics?

Myriad Genetics has a market capitalization of $2.34 billion and generates $772.60 million in revenue each year. The company earns $131.10 million in net income (profit) each year or $1.20 on an earnings per share basis. Myriad Genetics employs 2,400 workers across the globe.

What is Myriad Genetics' official website?

The official website for Myriad Genetics is

How can I contact Myriad Genetics?

Myriad Genetics' mailing address is 320 WAKARA WAY, SALT LAKE CITY UT, 84108. The company can be reached via phone at 801-584-3600 or via email at [email protected]

MarketBeat Community Rating for Myriad Genetics (NASDAQ MYGN)

Community Ranking:  1.9 out of 5 (star)
Outperform Votes:  368 (Vote Outperform)
Underperform Votes:  594 (Vote Underperform)
Total Votes:  962
MarketBeat's community ratings are surveys of what our community members think about Myriad Genetics and other stocks. Vote "Outperform" if you believe MYGN will outperform the S&P 500 over the long term. Vote "Underperform" if you believe MYGN will underperform the S&P 500 over the long term. You may vote once every thirty days.
This page was last updated on 12/15/2018 by Staff

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Tuesday, July 7, 2015

Dr. Who Fans Get Ready For Some Handmade Gifts That Are Out of This World!

If you are a Dr. Who tv series fan you know that the season is about to begin again in August 2015.  To help you get in the mood we've prepared some uniquely designed handmade gifts that are out of this world!

Vintage Inspired Tardis Cork Coasters sell in our Etsy shop for $9 for a set of four
Dr. Who Tardis Themed Fabric Wallet sells for $17 and is an exclusive item you'll only find at Markets of Sunshine Etsy Shop!
Last but not least is our exclusive design Hollow Book with Dr. Who Tardis fabric with wood trim.
Sells for $22.95 in our My Secret Compartments Etsy shop.  Click any of the highlighted words to visit our shops.


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5 reasons NOT to play the Mega Millions lottery

Published: Oct 23, 2018 2:50 p.m. ET

Wealthy people tend to jump in when the jackpot hits $1 billion

A life of luxury could be yours, but it probably won’t be.

Personal Finance Editor

Lottery fever is upon us once again.

The Mega Millions jackpot hit $1.6 billion after there was no winner last week. That’s a cash option of $904 million and makes this jackpot the largest in U.S. history. The draw will be held at 11 p.m. ET on Tuesday. The second-largest win in the U.S. was the $1.586 billion Powerball jackpot won on Jan. 13, 2016. Don’t hold your breath for a win if you buy a ticket. Statistics show you are more likely to die or kill someone while driving 2 miles or be attacked by a shark.

The lottery only becomes ‘progressive’ — when high earners spend more on tickets than more than low earners — when the jackpot reaches $1 billion.

Mega Millions commercials encourage all people to participate: “Mega Millions is bigger. Make sure your dreams are too!” But critics say studies overwhelmingly show that those who buy the most tickets (and on a regular basis) are the ones who can least afford to do so.

Lottery jackpots are overwhelming played by low-income Americans, studies show. Les Bernal, national director of Stop Predatory Gambling, a Washington, D.C.-based nonprofit group, says the rags to riches advertising is a fantasy for more vulnerable people, and they are more tempted by jackpots than wealthier Americans. In fact, he calls scratch cards and lottery tickets a “Hail Mary investment strategy for the poor.”

Here are 5 things that you won’t learn in lottery commercials:

1. Wealthy people jump in when the jackpot hits $1 billion

It seems like everyone wants to play when the stakes are this big. The lottery jackpot only becomes “progressive” — meaning that high earners spend more on tickets than more than low earners — when the jackpot is at least $806 million or more, according to this 2004 study of the Powerball lottery by Emily Oster, currently a professor of economics at Brown University. That’s more than $1 billion in 2018 dollars.

“Richer individuals may only be willing to play at higher jackpots — they have a higher threshold for entry — which would produce this result,” she wrote. “If income tracks education, the rich may have a better understanding of the odds. This, too, could cause richer players to wait until higher jackpots to enter.” As such, lottery cards are likely to be more “regressive,” that is mostly played by lower income Americans, Oster said.

“Most theories of why people play lotteries rely either on a ‘fun’ component of gambling which increases lottery utility or on players having a poor understanding of the odds of the game,” she added. She used demographic U.S. Census Bureau statistics about each zip code (including information on income, education, race, unemployment and urban population).

Don’t miss: My brother-in-law asked my husband to hide a six-figure inheritance before his divorce

“When lottery-playing individuals were asked if they bought their lotto tickets in their neighborhood, 84% of people who played more frequently than once a year said they did,” Oster added. “Since a neighborhood is probably smaller than a zip code in most cases, this number would likely be even higher were they asked about within zip code purchases. This provides some confidence in a high correlation between population and purchaser demographics.”

2. Most lottery winners in one study were receiving state benefits

Lotteries are seen as a “regressive” tax. Another study looked at winners. In 2015, the Maine Department of Health and Human Services analyzed data from the Bureau of Alcohol and Beverage and Lottery Operations on individuals who won money in the state lottery.

Some 4,865 winning tickets of $1,000 or more were cashed in by 3,685 individuals receiving state benefits over the previous five years, reaching $22 million in lottery jackpots of various sizes. So — unless they were an unusually lucky group of people — they likely spent far more than any other group on tickets.

For that reason, Brent Kramer, a research associate at the Fiscal Policy Institute, a nonprofit research and policy organization, and others call lotteries a “regressive tax” by offering the poor a rich fantasy. “If the promised return is by far illusory — and it is — it would be hard to argue that those purchases do not constitute a tax on those who believe the state’s hype,” Kramer wrote in a 2010 paper. In the event that someone did win the latest $700 million Powerball lottery, Bernal says it will be “the single biggest redistribution of wealth” since, well, the January 2016 Powerball.

3. State lotteries are exempt from FTC ‘truth in advertising laws’

Even though some scratch cards cost as much as $50 in Texas and $30 in Massachusetts, state lotteries are exempt from Federal Trade Commission “truth in advertising laws” The Federal Communications Commission prohibits the broadcast of lottery advertisements, but has exemptions for lotteries “conducted by a state acting under the authority of state law. Hence, TV commercials like “The Possibilities are Endless.”

Lotteries raise over $70 billion a year, according to the North American Association of State and Provincial Lotteries. Profits from the Powerball are used to fund public projects approved by state legislatures. Since the New Hampshire lottery was founded in 1964, lotteries have raised more than $200 billion for government programs in North America, according to the North American Association of State and Provincial Lotteries.

The NASPL disputes the findings of these various studies. Lottery retailers are located in areas where people work, not just in low-income neighborhoods, along with grocery stores, the organization says. This is why you will find more lottery outlets in the center of a city, just as you would find more grocery stores and convenience stores, the NASPL adds.

4. Lottery tickets are overwhelmingly bought by low-income Americans

Lower income Americans gamble on the lottery more frequently, according to one 2011 study of over 5,000 people published in the Journal of Gambling Studies. Americans in the lowest fifth socioeconomic status group had the highest rate of lottery gambling (61%) and the highest mean level of days gambled in the past year (more than 26 days), it concluded. Increased levels of lottery play have been linked with certain sections of the U.S. population — men, African-Americans, Native Americans, and those who live in disadvantaged neighborhoods.

(Susan Cartwright, a spokeswoman for Scientific Games SGMS, +0.57% which sells scratch cards, says a 2014 study by an independent research firm, Chadwick Martin Bailey, found that lottery players mirror the general public’s ethnicity, employment, and income.)

There were very few observed differences in lottery gambling for those in the three upper socioeconomic status groups — approximately 43% gambled on the lottery and the three upper groups averaged about 10 days of gambling on the lottery in the previous year of the 2011 study, a trend that was found in other countries with lotteries.

5. Lotteries increase in popularity — along with the gap between rich and poor

The Mega Millions lottery will be played in an America where the gap between rich and poor has never been greater. As the gap between rich and poor increases, so does the money spent on the country’s lotteries. Americans spent $72.7 billion on lotteries in 2016, up from $29.8 billion 1995, according to U.S. Census Bureau data cited by The Washington Post. U.S. economic growth has been a double-edged sword for many Americans. In 1980, the U.S. and Western Europe had similar levels of inequality.

While the top 1% of earners made up just 10% in both regions in 1980, it increased slightly to 12% in 2016 in Western Europe, but doubled to 20% in the U.S., according to a report released last month by the World Inequality Lab, a research project in over 70 countries based at the Paris School of Economics, and co-authored by the French economist Thomas Piketty.

The average chief executive of an S&P 500 company made $13.1 million per year in 2016 — equivalent to 347 times more money than the average worker, according to separate data released by Executive Pay Watch, a report conducted by the American Federation of Labor and Congress of Industrial Organizations (AFL-CIO). “When adjusted for inflation, the average wage has remained stagnant for 50 years,” it found.

Get a daily roundup of the top reads in personal finance delivered to your inbox. Subscribe to MarketWatch's free Personal Finance Daily newsletter. Sign up here.

Quentin Fottrell is MarketWatch's personal-finance editor and The Moneyist columnist for MarketWatch. You can follow him on Twitter @quantanamo.

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Scottish Power appoints new CEO

Published: Jan 12, 2006 3:02 a.m. ET

LONDON (MarketWatch) -- U.K. energy group Scottish Power SPI, -6.70% uk:spw on Thursday appointed Philip Bowman as chief executive officer, effective Jan. 16. Bowman, who was recently chairman of Coral Eurobet, replaces Ian Russell.

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Tom Lewis | The Marlin Democrat
Vicky Randolph had a gret time at this year’s Ladies Night Out event last Thursday night, November 29

We Own the Night

One to Remember

Downtown Marlin was flush with activity on Thursday, November 29th. Hosted by a number of local businesses, Ladies Night Out was a huge success. Beginning at 5pm, there was a constant stream of people walking up and down main street and the side streets. The hustle and bustle died down around 8, but the ringing of the Salvation Army bell could be heard echoing through until the end of the event at 9pm. People could be seen walking down the street was all different sorts of items. With multiple options of antiques, clothing, and home goods, it was hard to tell who got what items from which place. In stopping in to different stores, there were also a large assortment of food and drink options. The trade booths were set up all in the same area as well and it was a true family atmosphere around there, despite how cold everyone was. There were also a good number of gentlemen around, despite it being “Ladies Night Out”, so it really was a familiar, jovial evening of fun.

To read more please log in or subscribe to the digital edition

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Phone: 254-883-2554
Fax: 254-883-6553


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V Celnici 8, Prague 110 00 Czech Republic
+420 222 888 888

Work, play and relax at our hotel in Prague city centre

Rewards Category 5 · Points needed per night

Plan an unforgettable visit to one of the world's most fascinating cities! The Prague Marriott Hotel welcomes you to the Czech Republic with modern elegance and unparalleled service. Our beautifully designed rooms and suites provide a home away from home, with newly renovated decor, deluxe pillow top mattresses, high-speed Wi-Fi and flat-screen TVs. Enjoy a coffee at Espressamente Illy, our hotel's on-site coffee house, or treat yourself to a perfectly prepared steak at Midtown Grill. Stay energized during your Prague visit with a workout in our gym as well. Those planning business events or weddings can make use of our newly redecorated function spaces, complemented by state-of-the-art technology and delicious catering. And those looking to explore Old Town Prague city centre will find our hotel ideally situated near Old Town Square, the Charles Bridge and other legendary attractions. Whatever your reason for visiting the Czech Republic, we know you'll be thrilled with your stay at the Prague Marriott Hotel.

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96% of guests recommend this hotel

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Key Amenities

  • Fitness center
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  • Business travel is a pleasure thanks to the hotel's newly redesigned conference floor and city centre location.

  • Fantastic amenities for your stay at our hotel include 24-hour room service, an on-site business center and free Wi-Fi in the lobby and public areas.

  • We're proud to be a TripAdvisor Certificate of Excellence winner. Visit our hotel here in the city centre to discover why.

New Years Eve Party at Prague Marriott Hotel!

Help us bring the night to life! Enjoy dance performances, DJ Adam Nedvidek, and live music from, "Party Band"!Have a sparkling welcome cocktail followed by an extravagant gala buffet. Please contact lada.frybortova@marriott.com or call +420 222 888 005. 4500 CZK to 5500 CZK per person.

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Discover true comfort in our Prague hotel accommodation

  • Deluxe Double/Double Guest Room

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Oscar boys school shoes are perfect for when it’s time for your little one to get into lace-ups. This shoe is a stylish classic made for active every day wear. Leather upper and leather lined with a padded, heel, ankle & tongue

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Oscar boys’ shoes are available in a range of sizes from 24 to 44. These shoes are perfect for school wear.

All Petasil shoes have padded ankle collars for extra support and comfort.

Founded in 1988, Petasil shoes are manufactured in Portugal from the highest quality leather. Petasil shoes are only available from specialist shops.

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Richard Bruce Blech

  • Principal at Law Offices of Blech & Associates P.C.Attorneys at Law (2 Attorneys)
  • Jericho, NY 11753
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Areas of Practice (12)

  • Estate Planning
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Education & Credentials

University Attended:
Long Island University, B.S., 1986
Law School Attended:
Touro College Jacob D. Fuchsberg Law Center, J.D., 1994
Year of First Admission:
U.S. District Court, Southern District of New York; 1995, New York and Florida; U.S. District Court, Eastern District of New York

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Open Ocean, Colorful Castles and Cute Camels

Balcony Gallery, 3rd floor

A slide presentation given by Robert and Cindy Holden from their sailing adventure to Europe and back, with an accompanying exhibit of 20 of Cindy’s paintings of Portugal, Spain and Cape Verde.

Robert and Cindy Holden sailed their 47 Ketch, "Tenacity", from Annapolis to Portugal in the summer of 2011. They cruised the coasts of Western and Southern Portugal into Spain, and returned home by way of the Atlantic Islands of Madeira, the Canaries, Cape Verde and the Caribbean.  This photo presentation is partly about the ocean crossings, and also about the amazing places they saw, some off the most beaten tracks!  The paintings were mostly done on the boat!  Come and enjoy a relaxed sharing of a trip of a lifetime!