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Q: What has been your biggest investing mistake?
A: Not moving fast enough, as in the case of my investment regret. At the end of the day, we all have very busy lives, but sometimes you just have to prioritise and get things done. We didn’t get it done that one time, and it hurt.
That was around $100,000. It was a start-up we invested in in India, which started off okay, then did better. Just before it started going downhill, we got the offer to buy out our stake but we didn’t move fast enough.
Q: And what has been your best investment move?
A: Investing in distressed land sales three years ago. We and a couple of friends bought into some huge piece of land in India, which we’re now developing.
In real estate, we’ve largely invested in land, not built-up apartments, because you can develop the land and capital appreciation is faster. You don’t necessarily get rental income (from apartments).
But I don’t think you get those kinds of opportunities to buy land even in India these days as the markets have gone up significantly. But there are always distressed sales and undervalued assets in any market, as long as you spend the time and effort to find them.
As the country counts down to an expected record voter turnout on Election Day, enterprising teachers are no doubt taking advantage of the national teachable moment by holding mock elections and otherwise immersing students in details of the election process.
Tierney Cahill was teaching just such a lesson to her 6th graders in 1999 when they challenged her notions of democracy. If anyone can run for elected office, her students asked, why didn’t she? Not wanting to make her students even more cynical by dodging the question, Cahill made them a deal. If they agreed to manage her campaign, she would run for U.S. Congress.
Cahill, along with co-author Linen Gross, has now published a book chronicling her journey from the front of the classroom to Democratic candidate for Nevada’s second congressional district. Ms. Cahill for Congress (Ballantine Books, $14) provides lessons not only about the political process but also about a teacher’s dedication and skill.
Ever the educator, Cahill envisioned the campaign as a real-life, interdisciplinary classroom activity that would provide her students lessons on everything from government and civic engagement to mathematics and language arts. What the single mother of three didn’t know is that she, too, would learn some lessons about democracy on the campaign trail.
Beyond showing her students that democracy is in fact for everyone, Cahill hoped to challenge them to think critically and work together. Running her campaign as an unknown dependent entirely on donations, the class would have to work hard and strategically to market their candidate, with resources far short of the $1.3 million typically spent during an average congressional campaign. Cahill notes that working together in the heat of the campaign helped the students listen to what others had to say and respond with respect rather than ridicule, deflecting the usual middle school attitudes.
There are some laugh-out-loud moments Cahill’s story. The teacher remembers her first meeting and eventual endorsement from Dennis Hof, the owner of an established called Moonlite Bunny Ranch. Hof hoped that Cahill’s strong education platform would mean higher earnings for workers and thus potentially more customers for the state’s regulated brothels.
But there are some sad parts, too. Cahill closes the first chapter by writing that if she knew what she was in for, she would never have agreed to run. What started as an inspirational lesson for her class had some unpredicted costs for herself. Cahill’s home was broken into, and all her campaign material was stolen. She was fired from her second job as a waitress, and then her third job as a freelance real estate agent. Struggling to pay the bills, and with almost no support from the state’s Democratic Party, the campaign seems like a failure.
Spoiler alert—Cahill doesn’t win the general election (though she did win the Democratic primary). But the speech she delivered to her little campaign managers about the accomplishments of their campaign shows they didn’t lose as well. Through one-of-a-kind experience of running a campaign, the kids had come out of their shells and developed skills they never could have from a normal civics lesson.
While a congressional run may not be in the cards for every teacher—based on her experience, Cahill probably wouldn’t recommend it—the memoir is an inspirational read, and a way to learn from Cahill’s experience without undergoing the actual strain of running for office.
Jeff Lambert is an editorial intern at teachermagazine.org.
One little dog suffered a frozen tail. Others were surrendered or picked up as strays.
A few dogs showing signs of frostbite and 28 stray cats became the property of the Stark County Humane Society since the extremely cold weather set in this week.
Jackie Godbey, executive director, said passersby stopped to put a blanket around a small dog found on U.S. Route 30 and waited for humane society workers to get her.
"Her little tail was frozen," Godbey said, adding that so far the dog is doing OK.
National Weather Service records show the temperature plummeted to single digits shortly before 2 a.m. Wednesday, dropping as low as 4 degrees below zero around noon on Wednesday. Real-feel wind chills have been below zero since Tuesday afternoon - until Friday morning when the temperature began to rise.
"On Tuesday, Wednesday and Thursday, we had two vans going all day," she said.
When workers stopped to inquire about three dogs left out in the cold, the dogs' owners refused to bring the animals indoors, instead surrendering them to the humane society, Godbey said. Those dogs were a pit bull, Rottweiler and shepherd-chow mix.
The dogs - and six more stray dogs the workers picked up - were already showing signs of frostbite.
"They're all doing OK," Godbey said just before noon Friday. "It could be worse."
But dogs aren't the only animals suffering from the onset of frostbite.
"People are catching cats outside and they're bringing them into us," Godbey said, noting that the cat-catching efforts are typical in a cold-weather season.
Humane society workers took in 28 stray cats, Godbey said.
Weather service meteorologists expected the temperature to reach a high of 21 degrees in the Akron-Canton area Friday.
Weekend temperatures are expected to be significantly warmer with a high Saturday of nearly 40 degrees and Sunday of 50.
Reach Lori at 330-580-8309 or lori.steineck@cantonrep.com.
My mother began a single premium deferred annuity policy in 1994 when she was 71 and has not taken any distributions. The policy has a maturity date in 2018, which, according to the policy, is when payments would begin. We just noticed that she has been receiving notices the past few years from the insurance company stating that the IRS requires an RMD when the owner reaches age 70 1/2. She also receives a Form 5498 with an RMD amount. Should she have started taking RMDs as soon as she began the policy?
A single premium deferred annuity policy can be a way for seniors to insure against longevity risk, the risk of outliving their retirement savings. It's common for these policies to start making payments when the annuitant reaches a particular age.
Required minimum distributions, or RMDs, come into play for annuities purchased in qualified retirement accounts such as an IRA. So the type of account that funded the purchase determines whether there are RMDs from a deferred annuity. Her receiving IRS Form 5498, IRA Contribution Information, would appear to indicate that the annuity is held in a qualified account. If that's the case, she should work with a tax professional to review her situation.
Try out Bankrate's annuity calculator.
If the annuity is held in a nonqualified account, meaning it was purchased with after-tax dollars, the annuity contract will specify when the annuitant needs to start taking annuity payments. That may be at a specific date, as it appears to be in your mother's case, or at death.
On the horizon is a qualified longevity annuity contract where the deferred fixed annuity will be purchased in a qualified retirement account with no RMDs. There will be size limitations on the accounts.
Defending champion Haotong Li penalized for caddie lining up in wrong spot on final hole at Dubai Desert Classic.
If you thought the new Rules of Golf released on Jan. 1 were going to make the game simpler and stop controversial rulings, then think again.
Just ask China’s Haotong Li.
Li became the first player to be penalized under the rule which prohibit caddies from standing on or close to an extension of the line of play.
Li was handed a two-shot penalty Sunday at the Omega Dubai Desert Classic when caddie Mike Burrow was adjudged to have breached rule 10.3b(3) while Li was putting on the 18th green.
The Chinese player was defending the title he won last year. He holed a three-foot putt on the final green for what he assumed was a birdie and a 1-under 71 to finish in a five-way tie for third along with Sergio Garcia, Alvaro Quiros, Ian Poulter and Paul Waring.
The ruling cost Li just under $98,000 in prize money.
He was told of the infraction when he left the 18th green and was handed a two-shot penalty. It turned his birdie into a bogey and his 71 became a 73. He dropped into a tie for 12th.
We’re looking for a client-focused individual with broad experience of advice, support or welfare work and multiple and complex needs to join us as a Team Leader and play a vital role in the Changing Futures Together programme.
Funded by the Big Lottery Fulfilling Lives fund, the Changing Futures Together project focuses on long-term service and system change. It helps individuals with multiple and complex needs lead fruitful, satisfying lives, ensuring that the successful models and approaches pioneered by this project enter the mainstream. No Wrong Door (NWD) is just one of its work streams and is committed to information-sharing and common approaches and standards in supporting people with complex needs; this ensures clients can access a whole system of support through one referral form and there is no ‘wrong door’.
As a Team Leader, we'll rely on you to support and manage a team of four No Wrong Door Navigators to ensure the most effective service is delivered to our clients and positive outcomes achieved. You’ll also be responsible for helping the Service Manager to mobilise and promote its delivery within Birmingham. Allocating referrals and working with the Service Manager and Commissioners to identify gaps in provision and examples of positive and negative practise in service delivery will be important too. This will then be used in evaluation to contribute towards effective and demonstrable systems and policy change within the City. Setting staff objectives and targets, monitoring the quality of work, identifying best practice and acting as a critical point of contact for referrers – all are aspects of this interesting and challenging role.
To succeed, you’ll need solid experience of supporting and managing staff and knowledge of the safeguarding framework at supervisory level. Knowledge of the multiple issues of supporting individuals with complex needs and the difficulties faced when accessing local services is essential too, with an understanding of employing individuals with lived experience of those needs an advantage. Forward thinking and flexible, you actively support the introduction of new ideas, methods and processes and are adept at helping to develop a person centred and co-produced service. You’re also used to engaging with stakeholders and partners at a variety of levels and have sound knowledge in areas like homelessness, mental health, offending or substance use.
Closing date: 23 January 2019 at 11.30pm.
Alicen Divita of Woodside Vaulters was named Vaulter of the Year at the annual awards banquet of the U.S. Equestrian Federation held Jan. 22 in Lexington, Kentucky. Isabelle Bibbler Parker, head coach of the Woodside Vaulters, was honored as Coach of Year.
Ms. Divita, 21, a resident of Redwood City, represented the U.S. at the World Equestrian Games in Lexington last October, finishing in seventh place. She has been vaulting since age 12 and has won national championships at every level of competition. She is a student at UC Berkeley.
Ms. Parker has led Woodside Vaulters to four A-Team national championships and a bronze medal at the 1998 World Equestrian Games in Rome.
Individual Horse of the Year honors went to Giovanni, a 13-year-old Mecklenburg warmblood owned by Woodside Vaulters.
BMO Financial Group recently made a major commitment to ‘Voice over Internet Protocol’, signing a four-year, $84-million contract for the technology.
Implemented by Bell Canada, the integrated network will convert approximately 1100 branches to IP VPN (Virtual Private Network) across the country. With this agreement, BMO Financial Group expects to receive improved network reliability, scalability and greater cost efficiencies.
“BMO is committed to delivering an exceptional client experience by building long-term, meaningful relationships with our customers. To do this, we continue to invest in our infrastructure to ensure we have the best systems to develop new and innovative financial applications and services,” said Nimish Patel, Vice-President, Network Services, BMO Financial Group.
PAUL W. MOLLICA joined Outten & Golden LLP in Chicago, IL as Counsel in 2010. Mr. Mollica has wide appellate experience, including dozens of appeals in state and federal courts, and has often authored or co-authored amicus briefs in the U.S. Supreme Court and U.S. Courts of Appeals for such national organizations as the Lawyers' Committee for Civil Rights Under Law, ACLU, NAACP, AARP, People for the American Way, and the National Employment Lawyers Association. He is also a frequent author and lecturer (for lawyers and courts) in the area of employment discrimination. He served as executive editor on the Fourth and Fifth Editions of Lindemann and Grossman's (now Lindemann, Grossman, and Weirich) Employment Discrimination Law (BNA 2007, 2012), and the upcoming Sixth Edition, and worked as associate editor on all supplements since 1998. Since 2004, Mr. Mollica has authored the "Daily Developments in EEO Law" law blog.
In 2011, Mr. Mollica was elected to membership in the American Law Institute (ALI), a limited-enrollment organization devoted to publishing scholarly work to develop the law (including Restatements of the Law, model statutes, and principles of law). Previously, in 2008, he was elected as a Fellow to the College of Labor & Employment Lawyers. He was named an Advisor to the ALI's Restatement of the Law, Employment Law Restatement. He is also a two-term past president of the Chicago Council of Lawyers, a public-interest bar association. He has been selected as a Super Lawyer© in Illinois and has the highest, AV© rating from Martindale-Hubbell. In 2019, Mr. Mollica became a Panelist – American Arbitration Association National Roster of Arbitrators.
The Badge of Honor Association is reaching out to officers affected by two recent violent incidents.
The bloody violence of crime scenes and car crashes doesn't leave lingering trauma only with surviving victims and bystanders.
These horrors also directly impact first responders including police, emergency medical personnel and firefighters who are direct witnesses to some of humanity's most unimaginable brutality and its aftermath.
"And when incidents like this happen, officers are often told just to go back to work and there's nothing set in stone for how they're to be helped emotionally," said Jerri Sparks, development manager for the Badge of Honor Association, a western New York-based group that works to support police officers and their families following a line-of-duty death or involvement in a critical or serious incident while on duty. "And we can't forget that police officers are human beings."
Numerous studies show the stress of police work leaves officers more prone to post-traumatic stress disorder, depression and even suicide.
Two times this week, Rochester-area law enforcement officers were faced with terrible critical incidents. In the early morning hours of April 5, a Greece Police officer Jeffrey Fraser was confronted on Betwood Lane by 81-year-old Robert Litolff, who pointed a .22-caliber rifle at the officer and refused to drop his weapon. Fraser fired 17 shots, striking Litolff twice — once fatally. It was later determined the rifle was not loaded.
Fraser was placed on administrative leave following the shooting, a standard practice.
"It's a traumatic event," Greece Police Chief Patrick Phelan said on Thursday. "No one comes to work wanting to do that."
Later that day, Monroe County Sheriff's deputies responded to a home on Lake Road in Sweden about 8:30 p.m. for a report of a suicidal female, where they made the grim discovery that 36-year-old Hanane Mouhib had decapitated her 7-year-old son Abraham E. Cardenas with a kitchen knife.
Mouhib was arraigned on a charge of second-degree murder in Sweden Town Court on Friday morning. She is being held in the Monroe County Jail without bail.
During a press conference on Thursday, Monroe County Sheriff Todd Baxter choked up when he related Abraham's injuries.
"This was one of the most horrific scenes you could see," he said, lauding his deputies for their skill and professionalism during the response. He said the department's peer support group is working with the three deputies who responded to the scene because "it is the right thing to do."
The Badge of Honor Association has prepared care packages for all officers involved in both incidents and is also working to set up the officers with peer counselors who will help them talk through their trauma.
The group was founded in Monroe County in 2007 and now covers 27 counties in western and central New York. The nonprofit association also provides help to the families of police officers killed in the line of duty, such as taking children holiday shopping or camping. And it places memorial signs at the locations where officers were killed.
In 2017, BOHA launched its Books and Board program, which provides money for college books and housing to the children of fallen officers.
Sparks, a firefighter in Churchville, said she knows first-hand the lingering effects direct involvement in terrible scenes can have.
"It is an emotionally traumatic thing to see a dead body," she said. After one incident earlier this year, it took Sparks months to stop envisioning the event in her mind.
"Emotional trauma lingers and can lead to sleeplessness and anxiety and temper regulation issues," she said. "Most police officers go into law enforcement because they have a love of their community, these are highly emotive people to begin with and the public just doesn't understand the amount of stress they are under. We work to try to humanize police officers to the public and let the officers know they are not alone."
Chicago-native and film writer/director Joe Swanberg premiered his movie "Drinking Buddies" Saturday night at the South By Southwest film festival. the film is easily the biggest production, with a cast featuring Olivia Wilde, Anna Kendrick, Jake Johnson and Ron Livingston.
"Drinking Buddies" is a comedy about blurring the line between work friendship and budding romance. And when you work in a brewery — and partake of your product as often as you can — that line gets even blurrier.
Chicago-native and film writer/director Joe Swanberg premiered his movie Saturday night at the South By Southwest film festival. Known for indie flicks with minuscule budgets, he brought his eighth film to the Austin gathering. It's also easily the biggest production, with a cast featuring Olivia Wilde, Anna Kendrick, Jake Johnson and Ron Livingston.
Walking the red carpet, Swanberg said he didn't feel extra pressure despite the more-lavish production.
"The film grew to its size really organically," he said. "There wasn't a concerted effort to make something bigger; it's just that this was a story that I wanted to tell and then, as the actors came on board, the budget grew."
Though the plot was scripted, Swanberg had the actors improvise their dialogue so that the audience could "see real people coming through."
"You're not watching famous Hollywood actors playing roles, what you're seeing is their personalities shining through," he said. "They're still playing characters, but they're bringing a lot of themselves into it."
Wilde said she so relished making her lines up as she went along that "Drinking Buddies" is the highlight of her career so far.
"It's the thing I'm most proud of," she said. "I feel that I devoted myself to this in a way I've never done. Improvising the entire film meant that I was constantly creating."
Wilde and Jake Johnson of TV's "New Girl" play colleagues at a Chicago brewery whose close friendship teeters on turning into something more — even though both are in relationships with other people.
Kendrick, who garnered an Oscar nomination for best supporting actress for "Up in the Air" and also starred in "Pitch Perfect" and "50/50," plays Johnson's girlfriend. Livingston, of "Office Space" fame is involved with Wilde. But another star of the movie is beer, with bottles and glasses and plastic cups of it being swigged from copiously throughout.
The movie features few characters — though Swanberg himself makes a cameo — and the dialogue they share often feels spontaneous. That left a packed-house crowd at the Texas capital's stately Paramount Theatre laughing early and often on the festival's second night.
"It's a different muscle," Livingston said of improvising. He added of Swanberg: "He'll go without a net. He's not afraid to change the story as we go."
Johnson said he came of age improvising on stage and continues to do so at times on his television show.
"Joe knew what he wanted so it wasn't free form," Johnson said. "It was very disciplined improv."
Swanberg lives in Chicago and filmed on-location at breweries there. An avid home-brewer, he said he picked up more than a few choice tips during shooting.
"Making a movie in a brewery," Swanberg said, "that's about the greatest thing I could imagine."
Delaware County Sheriff Russell Martin said Monday he believes that his current deputies would not make the same decisions that two deputies made in 2012, which resulted in the death of a man.
Juarez-Popoca was later kicked out of the restaurant and within the hour was struck and killed by a vehicle while he walking on U.S. 36.
Beggs and Hughes were fired, but later allowed to resign and admit no guilt, reports the AP.
A civil suit against Delaware County was settled in February 2017 and Juarez-Popoca’s family was awarded $300,000.
The AP reports that Martin said the deputies did not follow procedure when they left Juarez-Popoca at Taco Bell.

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