cj: photojournalist, writer, publisher.and ceo world news us


The Richest 10%, Own 84% Of All Stocks

In 2016 “Despite the fact that almost half of all households owned stock shares either directly or indirectly through mutual funds, trusts, or various pension accounts, the richest 10% of households controlled 84% of the total value of these stocks in 2016,” according to a recent paper by NYU economist Edward N. Wolff writes. In 2001, the top 10% owned just 77% of all stocks.

In 2018 “The wealthiest 1% of households now own 50% of total household equities respectively, up significantly from 39% in the late 80s,” Daan Struyven, Goldman Sachs’s chief economist said in a note earlier this week.

The American dream, the idea that life will get better that progress is inevitable, all we have to do is obey the rules and work hard, that prosperity and a better life is assured. This has been replaced by a hard and bitter truth, there is a widening gap in wealth between the rich and poor. The American dream, is for most Americans in 2019 a deception, a lie.

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What is eSports?

A look at an explosive billion-dollar industry

eSports business is booming 01:37

(CNN)For some, the shooting at an EA Madden tournament in Jacksonville was the first time eSports broke into the public light. In reality, the world of competitive video gaming is a fast-growing international phenomenon with millions of fans and billions of dollars up for grabs. Streaming services and live events have turned casual gamers into serious stars who can sometimes rake in seven-figure earnings and massive brand


esports explainer counterstrike league of legends esl pkg_00015912

Don’t know what eSports are? Don’t worry! Watch this. 02:01

What is eSports?

eSports describes the world of competitive, organized video gaming. Competitors from different leagues or teams face off in the same games that are popular with at-home gamers: Fortnite, League of Legends, Counter-Strike, Call of Duty, Overwatch and Madden NFL, to name a few. These gamers are watched and followed by millions of fans all over the world, who attend live events or tune in on TV or online. Streaming services like Twitch allow viewers to watch as their favorite gamers play in real time, and this is typically where popular gamers build up their fandoms.

The 2018 Overwatch League Grand Finals were held at the Barclays Center in New York City.

Who watches eSports?

Short answer? A lot of people. According to a report from Newzoo, a market analytics company, 380 million people worldwide will watch eSports this year, including 165 million eSports enthusiasts (a term that describes frequent viewers, as opposed to occasional viewers). The bulk of these enthusiasts watch from North America, China and South Korea.

Tournaments and other events can attract viewing crowds that rival most traditional professional sports outings. The 2017 League of Legends World Championship drew more than 80 million viewers, making it one of the most popular eSports competitions ever. In July, ESPN and Disney XD announced they secured a multi-year deal to broadcast the Overwatch League, a brand-new international league with 12 franchises centered around the incredibly popular multiplayer first-person shooter came, Overwatch.
According to research from Newzoo, 588 major esports events were held in 2017.

Who plays eSports?

As hard as it may be to imagine for devotees of traditional sports leagues like the NFL or the NBA; eSports, at its highest levels, functions in a similar way. In fact, this April, the NBA held a draft for the launch of its new eSports league centered around the basketball-themed NBA 2K game franchise. During the draft, 102 professional eSports players were selected, with all of the pomp and circumstance normally reserved for players on the court.

NBA Commissioner Adam Silver, center, poses for photographs with gamers at the NBA 2K League draft in April, 2018.

Colleges have even gotten in on the action. More than 50 colleges have varsity eSports programs, recognized by a governing body called the National Association of Collegiate Esports. NACE championships dole out thousands of dollars in prize money, which is put towards scholarships for the winners.

Where’s the money in eSports?

According to research from Newzoo, eSports revenue will reach $906 million worldwide in 2018. By 2019, that number is expected to surpass $1 billion.
That’s a lucrative market, not only for the players, but for brands and video game producers as well. Madden 19, the game featured at the tournament in Jacksonville, is part of the long-running EA Madden Franchise. Since its inception nearly 30 years ago, the EA Madden Franchise has sold more than 130 million units, totaling more than $4 billion in revenue.
eSports players, not unlike traditional athletes, can rake in big money: Tournaments can boast millions of dollars in prize money, which is typically split between the players on the winning teams. That means the world’s very tip-top players can easily earn seven figures in a year. Teams and event organizers also benefit from tickets sales for these competitions. That popular League of Legends tournament from 2017? It generated $5.5 million in ticket sales.
After the shooting, EA Sports canceled the three remaining Madden Classic qualifier events to review safety protocols for competitors and spectators, according to a release issued by the gaming company.

Members of professional eSports team 'Afreeca Freaks' prepare to compete in a 2018 'League of Legends' competition in Seoul.

Players also earn money from sponsorships, endorsements and league salaries. To that end, Newzoo reports brands will invest $694 million in eSports ventures this year alone.
According to the numbers and the seemingly unstoppable cultural momentum, eSports will continue to grow as an industry — and a pastime — for the foreseeable future. By the end of 2018, 1.6 billion people will have some knowledge of eSports — that’s more than one fifth of the entire world’s population. So if you haven’t heard much about eSports yet, give it time. Its spread, both globally and culturally, is inevitable.
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Best Stocks Under $30 for 2019

The stock market has had an incredible bull-run since the Great Recession of 2008 and 2009. Stocks continue to hit new all-time highs and the price-to-earnings ratios of most S&P 500 companies look very expensive. Many investors are having trouble finding low-priced stocks that haven’t already appreciated greatly during the last decade. It’s hard to find a good deal on Wall Street right now when even small S&P 500 companies are trading at market caps above $1 billion.

Stocks have gotten expensive both in-terms of share price and their valuation relative to earnings. In more normal markets, a typical S&P 500 company has traded at about fifteen times their earnings. Most stocks are currently trading closer to 25 times their annual earnings. While the stock market has become more expensive as a whole, there are still a handful of undervalued stocks that are trading at less than $30.00 per share.

Value investing opportunities do exist if you’re looking in the right places. Putting together a list of the best stocks under $30.00 requires investors to look at smaller and riskier companies and in sectors that are either undiscovered or unloved by the market as a whole. Some of these cheap stocks may not look especially attractive today, but long-term investors will profit if they are willing to exercise patience and hold on to shares of these companies through multiple economic cycles.

Some of these companies are solid investing ideas because they are too little and considered too risky to attract the interest of most managed mutual funds and Wall Street money managers. Others operate in unloved and untested areas of the market. You may find even find crypto stocks, marijuana stocks and bitcoin stocks on this list. Others have been beat up by Mr. Market after a long period of slowing profits, but are now actively trying to turn around their business and bounce back. These low-priced stocks operate in a lot of different industries, but these picks all carry two common characteristics. They all have a super-low share price of $30.00 or less and consistently receive “buy” and “strong buy” ratings from Wall Street’s top-rated research analysts.

#1 – CareDx (NASDAQ:CDNA)

Stock Price: $24.60
Market Cap: $1.00 billion
Consensus Rating: Buy
Ratings Breakdown: 5 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $47.40 (92.7% Upside)

CareDx, Inc. operates as a transplant diagnostics company,which discovers, develops, and commercializes diagnostic solutions. Its product includes AlloMap, AlloSure, and Laboratory products. The company was founded on December 21, 1998 and is headquartered in Brisbane, CA.

#2 – Axos Financial (NYSE:AX)

Stock Price: $26.62
Market Cap: $1.65 billion
P/E Ratio: 9.7
Consensus Rating: Buy
Ratings Breakdown: 5 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $38.80 (45.8% Upside)

Axos Financial, Inc. operates as the holding company for BofI Federal Bank that provides consumer and business banking products in the United States. The company offers deposits products, including consumer and business checking, demand, savings, and time deposit accounts. It also provides single family and multifamily mortgage secured lending products; commercial real estate secured and commercial lending products; specialty finance factoring products; prime loans to customers secured by new and used automobiles; and term unsecured personal loans to individual borrowers, as well as overdraft lines of credit. In addition, the company offers prepaid card and refund transfer, debit card or ATM card, portfolio management, online bill payment, money transfer, overdraft protection, online and mobile banking, and text message banking services. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in San Diego, California.

#3 – Mesa Air Group (NASDAQ:MESA)

Stock Price: $6.28
Market Cap: $198.51 million
P/E Ratio: 5.1
Consensus Rating: Buy
Ratings Breakdown: 6 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $14.50 (130.9% Upside)

Mesa Air Group, Inc. operates as the holding company for Mesa Airlines, Inc., which provides regional air carrier services under capacity purchase agreements with the American Airlines and the United Airlines. As of September 30, 2018, it operated a fleet of 145 aircraft with approximately 730 daily departures to 110 cities in the United States, Canada, Mexico, Cuba, and the Bahamas. The company was founded in 1982 and is headquartered in Phoenix, Arizona.

#4 – TapImmune (NASDAQ:MRKR)

Stock Price: $5.47
Market Cap: $262.14 million
Consensus Rating: Buy
Ratings Breakdown: 6 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $10.9020 (99.3% Upside)

Marker Therapeutics, Inc., a clinical-stage immuno-oncology company, develops and commercializes novel cell-based immunotherapies and peptide-based vaccines for the treatment of hematological malignancies and solid tumor indications. Its MultiTAA T cell technology is based on the tumor-specific T cells that recognize tumor associated antigens and kill tumor cells expressing those targets. The company is developing TPIV100/110, which is in Phase II clinical trial to treat human epidermal growth factor receptor 2 breast cancer; and TPIV200 that is in Phase II clinical trial for the treatment of breast and ovarian cancers. It is also developing a proprietary nucleic acid-based antigen expression technology, PolyStart, to improve the ability of the immune system to recognize and destroy diseased cells. The company is headquartered in Houston, Texas.

#5 – Arcturus Therapeutics (NASDAQ:ARCT)

Stock Price: $10.75
Market Cap: $150.74 million
Consensus Rating: Buy
Ratings Breakdown: 6 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $18.00 (67.4% Upside)

Arcturus Therapeutics Ltd., an RNA medicines company, focuses on treatment of liver and respiratory diseases. The company’s pipeline of RNA therapeutics include programs pursuing rare diseases, hepatitis B, non-alcoholic steatohepatitis, cystic fibrosis, and vaccines. The company owns LUNAR lipid-mediated delivery and Unlocked Nucleomonomer Agent (UNA) technology, including UNA Oligomers, which are covered by its patent portfolio, including 152 patents and patent applications issued in the United States, Europe, Japan, China, and internationally. Its proprietary UNA technology is used to target individual genes in the human genome, as well as viral genes, and other species for therapeutic purposes. The company develops novel RNA therapeutics through its partnerships with Janssen Pharmaceuticals, Inc., Ultragenyx Pharmaceutical, Inc., Takeda Pharmaceutical Company Limited, Synthetic Genomics Inc., CureVac AG, and Cystic Fibrosis Foundation Therapeutics Inc. The company was founded in 2013 and is headquartered in San Diego, California.

#6 – Tecnoglass (NASDAQ:TGLS)

Stock Price: $7.20
Market Cap: $326.06 million
P/E Ratio: 8.5
Dividend Yield: 7.73 %
Consensus Rating: Buy
Ratings Breakdown: 6 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $11.20 (55.6% Upside)

Tecnoglass Inc., through its subsidiaries, manufactures, supplies, and installs architectural glass, windows, and associated aluminum products for the commercial and residential construction industries in North, Central, and South America. The company offers low emissivity, laminated/thermo-laminated, thermo-acoustic, tempered, silk-screened, curved, and digital print glass products. It also produces, exports, imports, and markets aluminum products, including profiles, rods, bars, plates, tubes, and other hardware used in the manufacture of architectural glass settings, such as windows, doors, spatial separators, and similar products. In addition, the company provides floating facades, windows and doors, interior dividers and commercial display windows, hurricane-proof windows, and other products, such as awnings, structures, automatic doors, and other components of architectural systems. It markets and sells its products under the Tecnoglass, ES Windows, and Alutions brands through internal and independent sales representatives, as wells as directly to distributors. The company was founded in 1984 and is headquartered in Barranquilla, Colombia. Tecnoglass Inc. is a subsidiary of Energy Holding Corporation.

#7 – ChemoCentryx (NASDAQ:CCXI)

Stock Price: $7.05
Market Cap: $390.08 million
Consensus Rating: Buy
Ratings Breakdown: 6 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $19.20 (172.5% Upside)

ChemoCentryx, Inc., a clinical-stage biopharmaceutical company, develops new medications for inflammatory and autoimmune diseases, and cancer in the United States. The company targets the chemokine and chemoattractant systems to discover, develop, and commercialize orally-administered therapies. Its lead drug candidate is Avacopan, an orally-administered complement inhibitor of the complement C5a receptor (C5aR), is in Phase III development for the treatment of anti-neutrophil cytoplasmic auto-antibody-associated vasculitis. The company is also developing Avacopan for the treatment of patients with complement 3 glomerulopathy and hidradenitis suppurativa. In addition, the company is developing CCX140, an inhibitor of the chemokine receptor known as CCR2, which has completed a Phase II clinical trial in diabetic nephropathy and is being developed for patients with focal segmental glomerulosclerosis. Further, it has early stage drug candidates that target chemoattractant receptors in other inflammatory and autoimmune diseases, and in cancer. The company was founded in 1997 and is headquartered in Mountain View, California.

#8 – Internap (NASDAQ:INAP)

Stock Price: $2.22
Market Cap: $58.85 million
Consensus Rating: Buy
Ratings Breakdown: 6 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $9.0833 (309.2% Upside)

Internap Corp. engages in the provision of information technology infrastructure services. It operates through the following segments: INAP US and INAP INTL. The INAP US segment consists of U. S. Colocation, U. S. Cloud, and U. S. Network services based in the United States. The INAP INTL segment consists of these same services based in countries other than the United States, and Ubersmith. The company was founded in May 1996 and is headquartered in Reston, VA.

#9 – Health Insurance Innovations (NASDAQ:HIIQ)

Stock Price: $18.22
Market Cap: $248.72 million
P/E Ratio: 10.0
Consensus Rating: Buy
Ratings Breakdown: 7 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $55.00 (201.9% Upside)

Health Insurance Innovations, Inc. operates as a cloud-based technology platform and distributor of individual and family health insurance plans, and supplemental products in the United States. It offers short-term medical plans that provide 3 months to 12 months of health insurance coverage with various deductible and copay levels; health benefit insurance plans, which offer fixed cash benefits and additional benefits for procedures and services; and supplemental insurance products, including life insurance policies, dental plans, vision plans, cancer/critical illness plans, deductible and gap protection plans, and pharmacy benefit cards. The company offers individual and family health insurance plans, and supplemental products in concert with insurance carriers and discount benefit providers; and markets them to individuals through a network of distributors. Health Insurance Innovations, Inc. was founded in 2008 and is based in Tampa, Florida.

#10 – Viper Energy Partners (NASDAQ:VNOM)

Stock Price: $28.50
Market Cap: $3.80 billion
P/E Ratio: 26.2
Dividend Yield: 6.76 %
Consensus Rating: Buy
Ratings Breakdown: 16 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $41.3333 (45.0% Upside)

Viper Energy Partners LP owns, acquires, and exploits oil and natural gas properties in North America. As of December 31, 2018, it had mineral interests in 14,841 net royalty acres in the Permian Basin and Eagle Ford Shale with estimated proved oil and natural gas reserves of 63,136 thousand barrels of crude oil equivalent. Viper Energy Partners GP LLC operates as the general partner of the company. The company was founded in 2013 and is based in Midland, Texas.

#11 – Cactus (NYSE:WHD)

Stock Price: $26.37
Market Cap: $2.00 billion
P/E Ratio: 15.0
Consensus Rating: Buy
Ratings Breakdown: 10 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $41.00 (55.5% Upside)

Cactus, Inc. designs, manufactures, sells, and rents a range of wellheads and pressure control equipment. The company’s principal products include Cactus SafeDrill wellhead systems, frac stacks, zipper manifolds, and production trees. It also provides field services, such as 24-hour service crews to assist with the installation, maintenance, and safe handling of the wellhead and pressure control equipment, as well as repair services for equipment that it sells or rents. The company sells or rents its products for onshore unconventional oil and gas wells that are utilized during the drilling, completion, and production phases of its customers’ wells. It operates 14 service centers in the United States, as well as a service center in Eastern Australia. The company was founded in 2011 and is headquartered in Houston, Texas.

#12 – Brigham Minerals (NYSE:MNRL)

Stock Price: $20.66
Market Cap: $1.04 billion
Consensus Rating: Buy
Ratings Breakdown: 10 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $25.80 (24.9% Upside)

Brigham Minerals, Inc. owns and operates a portfolio of mineral and royalty interests in the continental United States. The company primarily holds mineral and royalty interests in the Permian Basin in West Texas and New Mexico; the SCOOP/STACK plays in the Anadarko Basin of Oklahoma; the Denver-Julesburg Basin in Colorado; and Wyoming and the Williston Basin in North Dakota. As of December 31, 2018, it had mineral and royalty interests in approximately 48,100 net mineral acres; and owned mineral and royalty interests in 3,355 gross productive horizontal wells, which consisted of 3,064 oil wells and 291 natural gas wells. The company also had proved undeveloped reserves of 6,923 thousand barrels of oil; 30,062 million cubic feet of natural gas; and 3,220 million barrels of natural gas liquids for a total of 15,153 thousand barrels of oil equivalent. Brigham Minerals, Inc. was founded in 2012 and is based in Austin, Texas.

#13 – Viking Therapeutics (NASDAQ:VKTX)

Stock Price: $6.90
Market Cap: $493.20 million
Consensus Rating: Buy
Ratings Breakdown: 13 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $20.5327 (197.6% Upside)

Viking Therapeutics, Inc., a clinical-stage biopharmaceutical company, focuses on the development of novel therapies for metabolic and endocrine disorders. Its lead drug candidate is VK2809, an orally available tissue and receptor-subtype selective agonist of the thyroid hormone receptor beta, which is in Phase II clinical trials to treat patients with non-alcoholic fatty liver disease and elevated low-density lipoprotein cholesterol. The company’s lead drug candidate also includes VK5211, an orally available non-steroidal selective androgen receptor modulator that is in Phase II clinical trials for the treatment of patients recovering from non-elective hip fracture surgery. It is also developing VK0612, an orally available Phase IIb-ready drug candidate for type 2 diabetes; and VK0214, an orally available tissue and receptor-subtype selective agonist of the thyroid hormone receptor beta, which is in preclinical stage for X-linked adrenoleukodystrophy. The company was founded in 2012 and is headquartered in San Diego, California.

#14 – Enterprise Products Partners (NYSE:EPD)

Stock Price: $29.19
Market Cap: $63.31 billion
P/E Ratio: 15.1
Dividend Yield: 6.19 %
Consensus Rating: Buy
Ratings Breakdown: 13 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $33.75 (15.6% Upside)

Enterprise Products Partners L.P. provides midstream energy services to producers and consumers of natural gas, natural gas liquids (NGLs), crude oil, petrochemicals, and refined products. The company operates through four segments: NGL Pipelines & Services, Crude Oil Pipelines & Services, Natural Gas Pipelines & Services, and Petrochemical & Refined Products Services. The NGL Pipelines & Services segment offers natural gas processing and related NGL marketing services, as well as NGL export docks and related services. It operates approximately 19,200 miles of NGL pipelines; NGL and related product storage facilities; 16 NGL fractionators; and liquefied petroleum gas and ethane export terminals, and related operations. The Crude Oil Pipelines & Services segment operates approximately 5,300 miles of crude oil pipelines; and crude oil storage and marine terminals located in Oklahoma and Texas, as well as a fleet of 360 tractor-trailer tank trucks used to transport crude oil. It also engages in crude oil marketing activities. The Natural Gas Pipelines & Services segment operates approximately 19,700 miles of natural gas pipeline systems to gather and transport natural gas in Colorado, Louisiana, New Mexico, Texas, and Wyoming. It leases underground salt dome natural gas storage facilities in Texas and Louisiana; owns an underground salt dome storage cavern in Texas; and markets natural gas. The Petrochemical & Refined Products Services segment operates propylene fractionation and related activities, including 800 miles of pipelines; butane isomerization complex and related deisobutanizer units; and octane enhancement and high purity isobutylene production facilities. It also operates approximately 4,100 miles of refined products pipelines; and terminals, as well as provides refined products marketing and marine transportation services. The company was founded in 1968 and is headquartered in Houston, Texas.

#15 – Tivity Health (NASDAQ:TVTY)

Stock Price: $18.43
Market Cap: $865.30 million
P/E Ratio: 7.8
Consensus Rating: Buy
Ratings Breakdown: 8 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $33.00 (79.1% Upside)

Tivity Health, Inc. provides fitness and health improvement programs in the United States. The company offers SilverSneakers senior fitness program to the members of Medicare advantage, Medicare supplement; and Prime fitness, a fitness facility access program through commercial health plans and employers. It also provides health plans through WholeHealth Living program; and health services, such as chiropractic care, acupuncture, physical therapy, occupational therapy, speech therapy, and others. The company was formerly known as Healthways, Inc. and changed its name to Tivity Health, Inc. in January 2017. Tivity Health, Inc. was founded in 1981 and is headquartered in Franklin, Tennessee.

#16 – Codexis (NASDAQ:CDXS)

Stock Price: $13.02
Market Cap: $776.19 million
Consensus Rating: Buy
Ratings Breakdown: 5 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $22.30 (71.3% Upside)

Codexis, Inc. discovers, develops, and sells protein catalysts. It also offers intermediate chemicals products that are used for further chemical processing; and Codex biocatalyst panels and kits that enable customers to perform chemistry screening. The company also provides protein catalyst screening and protein engineering services. In addition, it offers CodeEvolver protein engineering technology platform, which helps in developing and delivering protein catalysts that perform chemical transformations. The company’s platform is used to discover novel biotherapeutic drug candidates for targeted human diseases, as well as for molecular biology and in vitro diagnostic enzymes. Its platform also enhances the pharmaceuticals companies manufacturing productivity and efficiency or outsourcing the manufacture of the intermediates and active pharmaceutical ingredients. The company sells its products to pharmaceutical manufacturers through its direct sales and business development force in the United States and Europe. Codexis, Inc. was founded in 2002 and is headquartered in Redwood City, California.

#17 – Spectrum Pharmaceuticals (NASDAQ:SPPI)

Stock Price: $8.11
Market Cap: $903.97 million
Consensus Rating: Buy
Ratings Breakdown: 5 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $23.40 (188.5% Upside)

Spectrum Pharmaceuticals, Inc. develops and commercializes oncology and hematology drug products. The company offers KHAPZORY, a novel folate analog and the pharmacologically active levo-isomer of d, and 1-leucovorin; FOLOTYN, a folate analogue metabolic inhibitor for peripheral T-cell lymphoma (PTCL); ZEVALIN injection to treat non-Hodgkin’s lymphoma; MARQIBO for adult patients with Philadelphia chromosome-negative acute lymphoblastic leukemia; BELEODAQ, a histone deacytelase, or HDAC, inhibitor for the treatment of patients with relapsed or refractory PTCL; and EVOMELA for use as a conditioning treatment prior to autologous stem cell transplant in multiple myeloma patients. It is also developing POZIOTINIB, a pan-HER inhibitor for non-small cell lung cancer tumors; ROLONTIS for chemotherapy-induced neutropenia; and QAPZOLA for non-muscle invasive bladder cancer. The company sells its drugs through group purchasing organizations, wholesalers, and directly to hospitals and cancer centers in the United States; and through distributors in Europe. It has a strategic partnership with Servier Canada, Inc.; licensing and development agreement with Cell Therapeutics, Inc.; license agreements with Merck & Cie AG, Medac Pharma, Inc., Sloan-Kettering Institute for Cancer Research, SRI International, Southern Research Institute, Medac Pharma, Inc., Cydex Pharmaceuticals, Inc., and Mundipharma International Corporation Limited; development and commercialization collaboration agreement with Allergan, Inc.; collaboration agreement with Nippon Kayaku Co., LTD.; licensing and collaboration agreement with Onxeo DK; and co-development and commercialization agreements with Hanmi Pharmaceutical Co. Ltd and The University of Texas MD Anderson Cancer Center. The company was formerly known as NeoTherapeutics, Inc. and changed its name to Spectrum Pharmaceuticals, Inc. in December 2002. Spectrum Pharmaceuticals, Inc. was founded in 1987 and is headquartered in Henderson, Nevada.

#18 – Albireo Pharma (NASDAQ:ALBO)

Stock Price: $25.32
Market Cap: $297.22 million
Consensus Rating: Buy
Ratings Breakdown: 5 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $60.3333 (138.3% Upside)

Albireo Pharma, Inc., a biopharmaceutical company, focuses on the development and commercialization of novel bile acid modulators to treat orphan pediatric liver diseases and gastrointestinal (GI) disorders in the United States. Its lead product candidate is A4250, an orally administered ileal sodium dependent bile acid transporter (IBAT) inhibitor that is in phase III clinical trial for treating progressive familial intrahepatic cholestasis and phase II clinical trial for treating biliary atresia, alagille syndrome, and other cholestatic liver diseases. The company is also developing Elobixibat, an orally administered IBAT inhibitor for the treatment of chronic constipation and other functional diseases, and nonalcoholic steatohepatitis; and A3384 for the treatment of bile acid malabsorption. It has a license agreement with EA Pharma for the development and commercialization of elobixibat. Albireo Pharma, Inc. is headquartered in Boston, Massachusetts.

#19 – Primo Water (NASDAQ:PRMW)

Stock Price: $12.46
Market Cap: $493.00 million
P/E Ratio: 36.6
Consensus Rating: Buy
Ratings Breakdown: 5 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $18.40 (47.7% Upside)

Primo Water Corporation, together with its subsidiaries, provides multi-gallon purified bottled water, self-service refill water, and water dispensers in the United States and Canada. It operates in three segments: Refill, Exchange, and Dispensers. The Refill segment sells filtered drinking water dispensed directly to consumers through self-service machines. The Exchange segment sells multi-gallon purified bottled water through point of purchase display racks and recycling centers. The Dispensers segment sells water dispensers that are designed to dispense Primo and other dispenser-compatible bottled water. As of March 5, 2019, the company offered its products and services at approximately 45,000 retail locations, as well as online. Primo Water Corporation was founded in 2004 and is headquartered in Winston-Salem, North Carolina.


Stock Price: $8.99
Market Cap: $13.03 billion
P/E Ratio: 7.5
Dividend Yield: 13.41 %
Consensus Rating: Buy
Ratings Breakdown: 5 Buy Ratings, 0 Hold Ratings, 0 Sell Ratings.
Consensus Price Target: $10.40 (15.7% Upside)

Annaly Capital Management, Inc., a diversified capital manager, invests in and finances residential and commercial assets. The company invests in various types of agency mortgage-backed securities, non-agency residential mortgage assets, and residential mortgage loans; and originates and invests in commercial mortgage loans, securities, and other commercial real estate investments. It also provides financing to private equity-backed middle market businesses; and operates as a broker-dealer. The company has elected to be taxed as a real estate investment trust (REIT). As a REIT, it is not subject to federal income tax to the extent that it distributes its taxable income to its shareholders. Annaly Capital Management, Inc. was founded in 1996 and is based in New York, New York.

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American Wealth Inequality

by cj

The stock market has gained 350% in the last 10 years. This is where the good news stops for 90% of Americans; including tens of millions of older Americans. The fact is that the wealthiest 10% of households own 84% of all stocks. The most visible indicator of wealth inequality in America today is Forbes magazine list of the richest people. In 2019, the these three men; Amazon founder Jeff Bezos, Microsoft founder Bill Gates, and billionaire investor Warren Buffett held combined fortunes worth more than the total wealth of the poorest half of all Americans.

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If a picture is worth a thousand words, this graph is worth 10,000. Inequality is skyrocketing even within the Forbes 400 list of the richest Americans. In today’s dollars, the net worth of the richest Forbes 400 member has soared from $5 billion in 1982 to $160 billion in 2018.

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8 Best Vanguard Funds You Should Buy

by Andrew Fiebert

 Last Updated on August 2, 2019

We’re big fans of Vanguard, but admittedly, investing in Vanguard funds is a bit more complicated than using a Robo Advisor.  In this article, we break down what we think of Vanguard’s eight best funds while balancing both performance and cost.

Before we jump in, it’s important to mention why we are focusing so heavily on fees here. Due to their exponential nature, fees of just 1% can cause you to lose up to 25% of your earnings. That’s pretty horrendous and often what turns investors on to Vanguard in the first place.

I also highly suggest you check the fees on your accounts via the free Personal Capital fee analyzer. It runs simulations and pinpoints all of the overly fee-hungry funds across your accounts – retirement or otherwise.

If you’re looking for a deeper dive into our logic as well as some colorful commentary than check out the podcast episode we did on this:

The difference between an Index Fund (ETF) and a Mutual Fund

First, let’s quickly discuss what an Index Fund (ETF) and a Mutual Fund are. Who better to ask then Vanguard themselves?

An ETF is a collection (or “basket”) of tens, hundreds, or sometimes thousands of stocks or bonds in a single fund. If you’ve ever owned a mutual fund—particularly an index fund—then owning an ETF will feel familiar because it has the same built-in diversification and low costs.

Source: Vanguard

Mutual Fund is very similar to an ETF with one crucial difference:

You can set up automatic investments and withdrawals into and out of mutual funds based on your preferences.

Source: Vanguard on ETF vs. Mutual Fund

In other words, if you want to automate your investing, then you use a Mutual Fund. If you want cheaper fees over time and don’t mind making contributions every month, then you should choose an ETF. I use ETFs because I don’t mind making investments manually, and fees are the worst.

We often get asked how much you need to invest in Vanguard. If you’re investing in an ETF, then all you need is $1. If you’re investing in a Vanguard Mutual Fund, then the minimum initial investment is between $1,000 and $3,000.

Total Stock Market (ETF) – VTI

NYSEARCA:VTI | Vanguard | MorningStar | Fee: 0.04% | 5 Year Avg: 14.24%

This ETF is Vanguard’s flagship fund and in our opinion, their best. It’s a blend of Large, Mid, and Small cap companies in the US. It’s the lowest fee we’ve ever seen on a fund. That’s because the fund tracks a few smaller indexes allowing it to be largely automated.

Often when people mention that they invested in Vanguard, they are referring to this fund. Since 92%+ of fund managers can’t even beat this, I’d be very skeptical if anyone suggested they can perform better after-fees than this fund. Even Warren Buffet agrees. Of course, it would be shrewd to invest in more than just VTI. It’s impressive, but it’s not all things.

Target Retirement 2050 Fund (Investor Shares) – VFIFX

MUTF:VFIFX | Vanguard | MorningStar Fee: 0.15% | 5 Year Avg: 10.28%

This fund is a lifecycle fund, so it starts with most of the money invested in stocks and slowly tapers into bonds over time. The point is you take on risk now while you’re young and slowly reduce risk as you reach retirement age, so big market swings don’t wipe out your retirement money.

While this fund isn’t their best regarding the fee, it covers a much-needed gap in most people’s portfolio. As you know, we’re big fans of buy and hold, and this fund fits in there perfectly.

The number in the fund name, like “2050”, corresponds to your “typical” retirement date – usually, that’s when you’re 59 1/2. We often find ourselves picking funds with dates well past typical retirement age, so we get something a bit more growth-focused early on.

500 Index Fund (Admiral Class) – VFIAX

MUTF:VFIAX | Vanguard | MorningStar Fee: 0.04% | 5 Year Avg: 14.48%

This fund was the industry’s first for individual investors. Invest in 500 of the biggest, baddest companies based in the US. By definition, this fund contains the best Large Cap companies, and since it focuses on the biggest companies in the US, it’s the closest to tracking the US economy.

REIT Index Fund (Admiral Shares) – VGSLX

MUTF:VGSLX | Vanguard | MorningStar Fee: 0.12% | 5 Year Avg: 9.97%

Why own a property and rent it when your money gets stuck in the home, and there is so much work to be done? Instead, invest in a REIT and take rental profit and liquidity. This index fund is not just a REIT but a fund of many REITs, so you’re heavily diversified in the rental game.

Note: You won’t find much yield here, which is a bit of a drag considering real estate is a solid income play. As a replacement for the income portion of your portfolio, we recommend Fundrise.

FundriseDiversify into income-producing real estate without the dramatics of actual tenants. Currently, their return is more than 2x that of the Vanguard REIT Index Fund.INVEST IN REAL ESTATE

Compared to VGSLX, Fundrise sticks to mid-size deals overlooked by large funds and as a result, provides a markedly higher return. You can also opt to concentrate on income or appreciation focused funds.

Growth Index Fund (Admiral Shares) – VIGAX

MUTF:VIGAX | Vanguard | MorningStar Fee: 0.05% | 5 Year Avg: 16.17%

With the Growth Index, Vanguard picks high-growth companies that will knock it out of the park for you. It’s a bit riskier, but the returns are solid.

Even though the focus is on high growth companies, the fund follows a buy and hold approach where once they locate a stable company, they stay invested in them for a while.

The air is crisp in Admiral.

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Total Bond Market (ETF) – BND

NYSEARCA:BND | Vanguard | MorningStar Fee: 0.05% | 5 Year Avg: 2.44%

Any well-balanced portfolio has bonds in it. They’re much less sexy than stocks but are also much less risky. When you’re young, 10% of your portfolio should be in something similar to BND, and as you get older, you’ll increase that percentage significantly. All the bonds that are in this fund are investment grade, and you should aim to hold this fund in the medium to long term based on its contents.

In preparation for market corrections or as we see them, investment opportunities, we tend to hold more bonds.  Since long-term bond funds, rose ~20% in price in 2008, we see this as a win-win.

Since bonds tend to do better when the stock market is doing poorly, we want our Opportunity Funds to be full of them.

We recommend keeping your Opportunity Fund in a cash account with best in class interest rates:

Strategic Equity Fund (Investor Shares) – VSEQX

MUTF:VSEQX | Vanguard | MorningStar Fee: 0.18% | 5 Year Avg: 14.45%

Like the Growth Index fund but smaller companies, potentially higher growth and largely selected by a computer. The fee is the highest here because proportionately the most amount of work goes into running this fund. 0.29% isn’t a big fee by a long shot, but I do think it’s important to note.

Also, again, this one’s the riskiest of the bunch. Of your Vanguard investments, we wouldn’t recommend making this one more than 10% of the total amount you invest.

Total International Stock Index Fund (Investor Shares) – VGTSX

MUTF:VGTSX | Vanguard | MorningStar Fee: 0.17% | 5 Year Avg: 5.80%

Similar in approach to our #1 choice, VTI, only this fund focuses only on companies outside the US. The fund covers both developed and emerging markets.

It’s pretty volatile, so we keep it as a small portion of our portfolio to help offset our heavy US exposure.

Vanguard Fund Tracking and Monitoring

Manage your cash and optimize your investments in one place. With Personal Capital, you can analyze your 401k to diversify your holdings better and reduce fees. I had no idea I was paying over 1% of my assets in fees every year but their help I was able to get it down below 0.3%.

Once you have all of your accounts linked, you can also leverage their Retirement Planner to plot out exactly what your retirement would look like. Using a Monte Carlo simulation, they determine how likely it is that you’ll reach the level of income in retirement that you’re hoping for.

Vanguard Select Funds

Vanguard created a shortlist of their funds called the Vanguard Select Funds. One interesting thing about the list is how they determine what funds get on it:

So, basically, they’re hand-picked using voodoo. I will say that a lot of their most expensive funds (where they can make the most money) are on that list like the Windsor II who’s fee is 0.34%.

It’s worth mentioning that most of the funds on our list are on their list with the exception that we excluded the high-cost funds. There are a billion studies that show there is no correlation between a high cost and a high return. That’s why we focus on “shooting for the average” on the show, easily the best bang for your buck given the risk.

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Tax Shelters for The Rich

Tax shelters; using these methods can make you rich, you don’t have to make more money, you just have to learn how to keep more of the money you already earned

Start a business. Whether you want to be a full-time entrepreneur or just earn a little extra income on the side, having a business is another way to shelter more of your money from taxes.

If you’re attempting to make a profit from your business, you can turn some of your personal expenses into allowable business deductions. For example, a computer, accounting software and a phone are likely necessary and reasonable expenses to run your venture.

If you operate your business from a home office (in a home you own or rent), you’re allowed to deduct a certain amount of household expenses, such as maintenance, insurance and utilities, based on the size of your office as a percentage of your home, using either a standard or a simplified calculation method.


Commercial real estate is considered an asset rather than an expense, the Internal Revenue Service won’t let you write off its cost in the year you buy it. Instead, the agency requires you to decrease its value every year by a small amount to simulate its gradual loss of value as it deteriorates. This process is called depreciation. Most commercial buildings have a 39-year life, although you can speed up the process and claim your depreciation in less time.

Commercial Buildings and Land

Commercial buildings are depreciated over 39 years. Commercial land, on the other hand, is not depreciable, because the IRS looks at land as something that doesn’t deteriorate over time. Since you usually buy buildings and land together, you will need to allocate the value that you pay for the property between the building and land. It’s best to get an accountant’s advice on how to do this in a way that both maximizes your depreciation while also being able to pass muster with the IRS. If you make improvements to land so you can place a building on it, those improvements are depreciable over 15 years.

Leasehold Improvements

When you build out space for a tenant, the IRS lets you depreciate those “leasehold improvements” over 15 years instead of 39 years. This is because you usually have to undo and redo leasehold improvements every time a tenant moves out, so the improvements don’t last as long as your building. The improvements must be completely inside the tenant space and should be nonstructural. In addition to the accelerated 15-year depreciation, you can write off the entire balance of the leasehold improvements in one lump sum if the tenant moves out before the end of the 15 years. .

Cost Segregation

One way to accelerate your depreciation is through cost segregation. This allows you to divide your building into all of its constituent systems, some of which have a life that is much shorter than 30 years. For instance, if your building has a computerized security system, you could write off the computers in the security system over a five-year period. This moves a lot of your depreciation to the front of the depreciation schedule — earlier in your ownership of the building — and saves you money in the beginning. But by taking more depreciation up front, you have less depreciation to claim in the future.

Depreciation and Taxes

Depreciation offsets income from your rental property on a dollar-for-dollar basis. For example, if you have $100,000 of income and $30,000 in depreciation, your taxable income becomes $70,000. If you’re paying a 33 percent marginal tax rate, that would reduce your tax liability by $10,000. However, if you sell your building for more than its cost minus all the depreciation you claimed, the IRS will see that the building didn’t really lose value like it was supposed to based on your depreciation. In that instance, the agency would charge you a depreciation recapture tax, also known as a section 1250 tax, of 25 percent. Taking the above example, if you claimed $30,000 depreciation and the building that you bought for $1 million sold for $1 million, the IRS would charge $7,500 in depreciation recapture tax when you sell.

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You need a real estate investment consultant not a realtor, it could mean the difference between being rich or super rich in 25 years. It is imperative that you set up your business in a state that will give you every advantage to keep more of your money. If you lived in Texas you would keep $240,000 more of your income then you would if you lived in California. Over a 25 year period you would have $19,000,000 million more. If in addition you set up a real estate tax shelter that allowed you to keep $240,000 more of your earned income, you would have a net worth of over $38,000,000.

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Best Investment Apps of 2019

by eric rosenberg and latoya irby


We are committed to researching, testing, and recommending the best products. We may receive commissions from purchases made after visiting links within our content. Learn more about our review process.

Investment apps are growing to become one of the top options for new investors to get involved in the stock market. And even experienced investors may find opportunities to save money and improve their portfolios with one of the available investing apps.

While you used to have to pick up a phone and call a stockbroker to make a trade, which came with a steep commission, now you can pick up your phone and tap your screen a few times to trade instantly—either for free or at a relatively low cost.

Whether you want to buy your first stock or you’ve been doing it for years, consider these top investment apps that are poised to be top performers in 2019 and beyond.


 Best for Free Stock Trades: Robinhood

Courtesy of

Download the App for Android

Sir Robin of Locksley, better known as Robin Hood, became a famous character for stealing from the rich and giving to the poor. If you like the idea of empowering everyone to get into the stock market, Robinhood is a favorite option.

Robinhood offers free stock trades. And “free” doesn’t mean “free, but with fees and other costs.” Trades have zero commission. Just download the app, connect to your bank, fund your account, and you can trade fee-free. For extended trading hours and margin accounts, you can upgrade to Robinhood Gold for a fee.

Robinhood is essentially a no-frills online stock brokerage. Because they don’t have fancy offices around the country, they can run a lower cost operation and pass on the savings to investors like you. The company makes money from Robinhood Gold users and earning interest on account cash balances.

Interested in reading more reviews? Take a look at our selection of the best stock trading apps.


 Best for Automated Investing: Acorns


If you don’t want to think much about your investments but want to contribute regularly, Acorns is a top option. Link a debit or credit card to the app and Acorns will “round up” your transactions to the next dollar and invest the “spare change” you would have received had you paid in cash. Acorns invests your funds automatically in one of five professionally managed ETF portfolios.

Accounts with a balance up to $5,000 pay just $1 per month and accounts with a balance over $5,000 pay a competitive 0.25% fee. For college students with a .edu email, you can use Acorns for free for up to four years from the date of registration.

The existing portfolios focus on low-cost exchange-traded funds that offer you diverse investments without a giant starting investment. A few dollars here and there adds up, and Acorns makes it easy to invest at small dollar levels.

Check out our guide to the best stock market apps you can buy today.


 Best for Learning About Investing: Stash

Courtesy of

With identical pricing to Acorns, Stash offers a low-cost method to build a diverse portfolio. But where Acorns invests for you automatically, Stash can help you learn how to make the best investment decisions yourself.

The Stash app includes educational content customized to your investment preferences. You can choose between values-driven portfolios focused on different investing themes, or build your own custom portfolio. Then you can set up an “Auto-Stash” plan for recurring investments or add funds when you choose.

For any beginning investor, all of the terms, acronyms, and phrases of the investment world can be overwhelming. Stash does not give the depth of research on companies that many stock brokerages do, but if you don’t yet speak the language of investing, you have to start somewhere. Stash is an excellent choice for a starting point.


 Best for Retirement: Vault

Courtesy of

Download the App for Android

If you’re a self-employed freelancer, you won’t have access to an employer 401(k) plan and will have to put together your own retirement plan. There are many options for the self-employed to invest, but one of the coolest around is Vault.

Vault allows anyone to open an IRA, Roth IRA, or SEP IRA account for their investments. A SEP is a type of IRA specific type of retirement account for self-employed workers. But whatever form of IRA you want, Vault gives you the ability to invest based on a specific percentage of your income.

When money is deposited into your account through a freelance job, the Vault app gives me a notification to approve depositing the percentage you picked in your IRA account at Vault. You can also choose to invest your percentage automatically without requiring manual approval. Vault uses the same pricing model as Acorns and Stash.


 Best for Stock Gifting: Stockpile

Courtesy of

Download the App for Android

Stockpile offers a unique approach to buying and selling stocks. You can buy fractional shares of nearly any company through Stockpile. Alternatively, you can fund an account with a stock gift card that gives the lucky recipient shares of stock starting at $5.

There are no monthly fees and all trades are 99 cents. This app is especially exciting for parents or grandparents looking to get kids or young adults interested in investing and the stock market. Instead of giving a gift card that they will blow shopping, you can give them $20 of your favorite stock.

Stockpile offers over 1,000 investments include single stocks and ETFs. For example, you can gift shares of a stock like Disney or Apple, or give a basket of stocks in a Vanguard, iShares, or other ETF. You can give e-gift card or physical gift cards or fund an account through a bank transfer. This is a gift that literally pays dividends.


 Best for Microinvesting: Clink

Download the App for Android

Clink is a savings-based app that invests your funds into a portfolio of Vanguard based Exchange-Traded Funds (ETFs) based on how aggressive you want to be with your investments. You can schedule a certain percentage of your purchases to be added to your Clink account after transactions. Say, for example, you spend a lot on dining. You can opt to have 10% of your dining purchases transferred to your Clink account each time. You can also schedule regular transfers from your checking account to your Clink account.

With Clink, there’s no minimum investment amount — just a $10,000 daily limit. There’s a $1 monthly fee for portfolios up to $5,000 and a 0.25% fee on balances above $5,000.


 Best for Features: TD Ameritrade Mobile

Download the App for Android

TD Ameritrade is one of the biggest and most recognizable brokerages. The TD Ameritrade app is available for iOS, Android, and BlackBerry. The app is free to download and there’s no account minimum to get started.

Watch over 20 educational videos to gain additional investing knowledge. You can even set price alerts to receive a notification when your investments hit a specific price points. There’s no minimum deposit to open an account which means you can start investing with any amount. There’s a $6.95 fee for each trade.

In addition to managing your portfolio through the mobile app, you can also login online to access additional features.


 Best for College Savings: Wealthfront

Wealthfront is for those who want to use passive investment to build wealth. The app includes some built-in intelligence to help you maximize your investments, but also to invest based on your risk tolerance.

Start by connecting your most important accounts to the app and it analyzes your spending to learn about your finances. It takes into account your spending and your goals to create a strategy personalized just for you. The app invests your money into up to 11 ETFs, rebalances periodically based on deposits and market fluctuations, and even offers a 529 College Savings Plan as an investment option. It even has a few extras features like tax loss harvesting and direct and advanced indexing.

The Wealthfront app is free for the first $10,000 you invest. After that, it’s 0.25% per year. There’s a $500 minimum balance requirement.

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Genres: Self-Published Fiction Books

Genres of the Most Popular Self-Published Fiction Books


The most popular publishing genres also show up as the most popular in self-publishing. When books are read for entertainment, readers focus on genres they like. Writers who want to self-publish and make a living at it should consider writing in the genres that have large readerships.

Half of Amazon’s self-published e-book bestsellers are category romance, science fiction, and fantasy novels! Their readers are devoted to these easy-to-read and engrossing novels. They offer sheer escapism. And, readers of these genres have clearly defined interests that authors can appeal to.

Romance is the most popular genre. Happy endings and escapism have made romance an enquiringly popular genre. Science fiction, fantasy, mystery and crime are also leading genres.

The Romance Category

Romance as a publishing genre has the lion’s share. Romances have forty percent of the market share of Amazon’s e-book sales. Like other genres, romance has subgenres as well such as contemporary romances, historical romances, romance mystery, Christian romance, westerns, and erotica. Even though “Fifty Shades of Grey” is in the erotica genre, erotica actually has a very small market share of the romance genre.

Bestselling romance writers, like Lindsay McKenna, are able to move from traditional publishing houses to self-publishing with some success. McKenna started self-publishing in 2014, after leaving Harlequin. In 2015, she joined Kensington; however, she did not leave self-publishing behind.

Science Fiction and Fantasy

Almost half of the science fiction and fantasy books sold on Amazon are self-published. Books in this genre invite readers to immerse themselves in alternate universes.

The Mystery and Thriller Categories

Mysteries and thrillers also sell very well. Readers who enjoy problem solving and getting their hearts thumping for entertainment enjoy this genre.

The successes of self-published authors indicate there is room for many more such success stories. Books by Deborah Bladon, Vi Keeland, Tijan, and Penelope Ward made it to the New York Times bestseller list for digital books in 2015.

The self-publishing option is becoming more mainstream. Crossover authors are on the rise in both traditional publishing and self-publishing. These hybrid authors make the most money, according to a survey by Digital Book World. Crowdfunding remains a popular platform for publishing projects. If you are worried about money, explore the crowdfunding option. Keep in mind that to build readership, many series book authors have offered the first book for free.

For any genre, marketing is the key to success. If you do not want to write a genre book, you can remain true to your vision and see how it goes. Readers will notice if you have to force your writing. Consider generating some crossover appeal, if making a living as a writer is your goal.

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The Beginner 5K Walk Training Schedule

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Increase the time you spend walking each week before working on speed. If you find any week to be difficult, repeat that week rather than adding more time, until you are able to progress comfortably.

Week 1: Getting Started

Time: Start with a daily 15 minute walk at an easy pace. Weekly total goal: 60 – 75 minutes.

Walk five days the first week. We want to build a habit, so consistency is important. Spread out your rest days, such as making day 3 a rest day and day 6 a rest day.

Shin Splints: a common problem for beginners is feeling the pain of shin splints during their first week or two of walking training. How to Prevent and Treat Shin Splints

Week 2: Work on Your Walking Form

Time: Add 5 minutes a day so you are walking 20 minutes, 5 days a week. Or you may wish to extend yourself more on some days, followed by a rest day. Weekly total goal: 75 – 100 minutes.

Walking Form: Use your walks this week to concentrate on developing good walking posture and technique. This can greatly improve your ease of walking and improve your speed.

Walking Form Technique for Beginners

Week 3: Walk at a Moderate Pace

Time: Add 5 minutes a day so you are walking 25 minutes, 5 days a week. Weekly total goal: 100 – 125 minutes.

Walk at a moderate, determined pace may be breathing noticeably able to carry on a full conversation while walking not out of breath

Now that you have been walking regularly for a couple of weeks, consider whether you need walking shoes that will allow your best performance. You should also switch to socks made of sweat-wicking fabric to help prevent blisters.

How to Choose Walking Shoes

Before You Buy Walking Socks

Week 4: Add a Long Day

Time: Add 5 minutes a day to walk 30 minutes, 4 days a week, at a moderate pace. We will keep most of your within-week walks at this distance and speed. Weekly total goal: 125 – 150 minutes.

Make your fifth day a mileage-building day. Each week between now and your 5K walk, add time to one long day a week. For week 4, this walk should be 40 minutes long at an easy pace.

Drinking right: Now that you are walking for more than 30 minutes, you should locate a source of water so you can have a drink each mile. If there are no handy drinking fountains, you may want to carry water with you. It is best to carry it in a fanny pack with a water holster, rather than carrying a bottle in your hand, as that can lead to muscle strain and poor walking form.

Week 5: Work on Speed

Time: Walk 30 minutes a day four days a week.

Long Walk: walk 45 minutes at an easy pace.

Building speed: During each of your shorter walks, concentrate on improving your walking form to add speed. If you have not been using arm motion, this can be the key to increasing speed. Fast Walking Technique

Week 6: Build Mileage

Time: Walk 30 minutes a day four days a week, paying attention to form and speed techniques.

Long Walk: walk 60 minutes at an easy pace.

Once you have accomplished this time, you know you will be able to complete the 5K. Our continued training will help you to achieve it in comfort.

Blister prevention: Now that you are walking longer and faster, you may experience a hot spot or blister. Learn how to prevent and treat blisters.

Weeks 7 and 8: Add Intervals

At this point, you could complete your 5K walk. But if you have the time to build your aerobic fitness and speed, add interval workouts to your shorter within-week walks while keeping your long walk at an easier pace.

Interval Workouts: The Economy Walk builds speed, do it for one workout each week. The Anaerobic Threshold Walk builds aerobic fitness, do it for one workout each week. When adding these workouts, you may reduce your workout week to one day of an Economy walk, a rest day, one day of the Threshold Walk, a rest day or two, and then the Long Walk one day a week.

Long Walk: walk 60 minutes at an easy pace. Once you have accomplished this time, you know you will be able to complete the 5K. Our continued training will help you to achieve it in comfort.

Week 9 and Beyond

If you still have time before your 5K walk, you can turn your long walk of the week into a simulated race every-other week. Aim to walk it at 80% of the speed that you hope to walk the 5K, rather than keeping it to an easy pace.

You can also increase the distance of your long walk on the week where you are keeping the pace easy. Add 15 minutes to it every-other week. The increased distance and time will help build your stamina and endurance. Before you know it, you will be seeking out the 10K walks and half marathons!

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Almeida Real Estate Hamburg, NY

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The Book “The 4 Routes To Entrepreneurial Success”

written by John B Miner

The book “The 4 Routes to Entrepreneurial Success” can be downloaded or read here for FREE at

This book is being used by many colleges to teach business or as part of an MBA business degree. On pages 45 and 46 the author talks about Almeida Real Estate. My older brother and I were both Real Estate Brokers and an important part of the real estate community in Hamburg and western New York at the time. I have since moved my family to DFW Texas. Almeida Realty is mostly involved in real estate consulting and investments, I’m also CEO of World News US and an aspiring writer among other things. cj Almeida

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