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Parks and Recreation Haunted Activities By : utah Burden THE WOODLANDS, Texas -- The Community Associations of The Woodlands, Parks and Recreation Department, offers a assortment of costume-wearing events, trick-or-treating opportunities and haunted happenings for all ages throughout the month of October. Fun Times With An Angel Paintball Gun By : Affiliate Buddy Paintball is a really cool, fun and exiting sporting activity, played by men and women, and it'g getting more and more popular all over the world. The increased attention in the sport means more and more playing fields and paraphernalia shops are accessible for the budding paintball fanatics. It's an electrifying game play and great equipment options make this sport a terrific hobby. Customizing and buying your own equipment such as armor and markers, like the angel paintball gun, add a technical and creative side to this exciting physical pursuit. Women' clothing - a reflection of their personality By : Jessica Thomson One should choose their clothes depending on their body shape. For example someone with a hunched back must avoid dresses with bare backs or someone with a paunch must avoid dresses that flatter one’s curves. People who are short can wear a single colored outfit to give them a taller look. Understand E Errors So You Can Fix Your Xbox 360 By : Kara Knapp Save time and money by understanding how to fix you xbox 360 on your own or by utilizing an xbox repair guide. The 401k contribution limits increased in 2058 By : iloveayf A 401k is an investment tool powerful to help you plan your retirement, but the government has set limits on how much you can contribute to their plan each year. A 401k plan allows employees to invest their retirement savings in a mutual fund or similar. Buying Real Estate: What Can You Afford? By : HilltonAngela If you’re dreaming of buying your own piece of real property and you’ve even started shopping for the perfect house, you need to ask yourself first if you can really afford it. Even before you start considering real estate purchase, you need to organise your finances (http://realestate.ozfreeonline.com/). Types of Mailboxes and Their Components By : Jessica Thomson Letter Boxes are often, the most neglected parts of any household or commercial facility. Placed in far flung corners, they are often so badly maintained that even postmen feel reluctant to use them. Read Through the Mobile Phone Comparisons to Get the Best Deal By : Jessica Thomson Thus, it is advisable to go for the comparing web portals that offer an in-hand detail about the product and service, and provide you with an option to buy the same. Make sure that you choose the mobile phone deals that are commercial, yet have a lot to offer to their clients; in other words- value oriented. Consider A CTA Managed Fund For Balanced Asset Allocation By : Dwayne Strocen There are many investment strategies for both the novice and sophisticated investor. The CTA managed fund has been overlooked until recently. Now the top performing investments are managed by CTA's and you should consider including these in your portfolio. Make money partying your face off! By : Joe Pirrone This article will show you how you can become weathly while partying with your friends. Cheyne Capital appoints two partners for macro equities team By : Tug Search Cheyne Capital Management has appointed Paul Ruddleston and Paul Keohane as partners Investment Strategy For Your 401K By : Art Penz If you have a 401k plan from your job then you must wonder what is it and how does it work? In your retirement account you will notice a lot of names which are called mutual funds. Buying Real Estate: Moving into Your New Home By : HilltonAngela So, you were able to buy real estate? (http://realestate.ozfreeonline.com/) You now have your own piece of property. The next step is to move in. Moving isn’t just about transporting all your things from one place to another; it’s about uprooting your life and rearranging it. As such, you need to prepare to do the following: Hedge Funds and Small and Micro Cap Stocks By : Francis Mailhot Hedge funds which seek to get absolute returns regardless of how the stock market is faring, often look for opportunities in very small companies, from the micro cap penny stock (capitalization less than 500 million) to the small cap stock (capitalization up to 2 billion). Because of the smaller cap involved in these stocks, hedge funds can take a significant stake in the company rather easily. Why not simply invest in a Micro Cap Mutual Fund By : Francis Mailhot If you are attracted to penny or micro cap stocks, does it make sense to simply invest through a well-reputed mutual fund concentrating on this asset class? The answer depends on what kind of returns you are seeking: If you are seeking triple digit growth returns by aggressively picking winners in the micro cap stock universe, then no. Beautiful outdoor furniture for your garden By : Jessica Thomson Garden and conservatory furniture are designed and manufactured keeping in mind that they will be kept in open thus exposed to all kinds of seasons, weathers and temperatures. Motorcycle Leather: A Purchasing Guidebook On behalf of Rawhide Motorcycle Attire By : Bob McGuire Since the dawn of the age of motorcycling, it was evident that something was considered necessary to protect the bare human body from the elements. The natural solution was leather. The leather bike jacket, a style made trendy by such movie greats as James Dean and “the Fonz”, not simply serves as a trend statement, but is an important piece of equipment to any serious biker for keeping snug, dry, and in one section. Cheyne Capital hires top MS trader to lead equity expansion By : Tug Search Cheyne Capital Management, the London-based hedge fund group led by Jonathan Lourie and Stuart Fiertz, has made a major hire from Morgan Stanley to head the expansion of its equities-focused strategies. Motorcycles Are So Much More Fun That Everybody Should Be the owner of One By : Bob McGuire Do you want to join a family oriented mortorcycle club? Meetings and rides all over the place. Storage Facilities Are A Boon By : laqu8939g We keep on accumulating things throughout our lives. We need to store our belongings somewhere or the other. Storing stuff at home and office may not be too easy not just because of space constraints but also because of special care and attention required for stored stuff. Regulating Hedge Funds By : Tug Search Hedge funds are very similar to mutual funds except for fewer regulations Hedge Funds. What are they? By : Tug Search What are Hedge funds? Hedge funds have been around since the fifties but only grew in popularity in the 1960s. Reasons to Buy Gold Coins from Gold Coins Gain By : Michael Smith For millennia gold has been used as a global currency, a commodity, and an investment. And of course, it has also been admired as an object of beauty. Although the financial markets of the 1980s and 1990s saw gold decline in popularity, recent economic developments have reignited investor interest in gold. Online Adventure Games For Adults By : tuener8029a The number of people playing online games is rising day by day. New (tax) year, new bonus? By : upad In the midst of the recession, with massive job losses and pay cuts, many people are searching for new and inventive ways to earn money. Cayman Islands Real Estate, Real estate in Cayman Islands By : Toni Paolini Occupying an area of 264 sq. km with barely 100,000 local residents, the Cayman Islands are neither large nor populous. But its spectacular beauty draws crowds and so investments in Cayman Island real estate is always win-win. Preparing for the income tax jobs By : Max Info This article collects information about the income tax jobs. It is a guidelines for the people who want to get their tax knowledge increased. Blogging:-While you Building a Popular Blog! By : LADDI Are you serious about building a popular blog? Want your site to stand out from all the rest? There are numerous ways in which we can structure our blog for the search engines, and endless options we can select to advertise products or services. Know The Power Of List Building With Downline Builders By : GURMEET KAUR 2 List building with a downline builder is one of the most important ingredients to building a stable internet business. Compare Mutual Funds - How To Effectively Compare Mutual Funds By : Victor .P. Ephenus For the person who is interested in investing in the stock market there are numerous funds that can be worthwhile looking into. When you are doing this type of research it is best to choose a few different mutual funds. To compare mutual funds you will need to have various goals kept in sight. The fi Top Mutual Funds - How To Choose The Best Top Mutual Funds By : Victor .P Ephenus Anytime people are planning to invest some money, they usually turn to top mutual funds for guidance. The mutual groups have in their portfolio several stock option to consider. With these, the mutual funds groups operate in similar way; the similarity are possible danger their customer faces by inve Hedge loan a specific type of financial product By : brain strom In the finance industry, Hedge is a position that has been established in one market in a simple attempt to offset exposure to the price risk of equal but opposite obligation in another market. The strategy is usually designed to minimize the exposure to such business risks as a sharp contraction in demand for one’s inventory while still allowing the business to profit in the market. A hedger is a farmer who plans his planting. Systematic Investment Plan (SIP) By : Invest in Mutual Funds If you’re looking for an investment option that gives you reasonably high growth, with significantly higher returns than traditional instruments Sundaram BNP Paribas’ SIP would be the one for you. Mutual fund Investments/ Mutual Fund investing/Mutual Fund Investment Advice By : Invest in Mutual Funds Mutual funds are fast becoming one of the most preferred investment avenues in the country. Today, the investor is spoilt for choice and is confused where to put in his hard earned money. Which of these funds are ‘safe’ but still can give the best of returns. Invest in Mutual Funds By : Invest in Mutual Funds A Mutual Fund is the pooling together of the financial resources of hundreds or even thousands of individual investors. This money is then put in the equity as well as fixed-income market to get the best possible return. The growth of your investment here is usually at a rate faster than the rise in cost of living. Medium Term Note Trading And Their Importance In A Worldwide Recession By : Senator Ford With a massive gloabal economic crisis upon us and no solution in site - investors are searching for viable investments that provide safe high yield returns. Why MTN Trading Programs Are Vital In A Global Recession By : Senator Ford With a massive global economic crisis upon us and no solution in site - investors are searching for viable investments that provide safe high yield returns. InvestorEarth.com provides accredited investors with educational reports on successful investment programs. Everything You Need To Know About Investments And Mutual Funds - Learn About Interesting Topics Today By : Nathan Knightley I had never hired an investment management business in the past. You see, I always took a very hands-on approach to business. I learned it from my father - How Private Trade Programs Work In A Declining Economy By : Senator Ford With a massive global economic crisis upon us and no solution in site - investors are searching for viable investments that provide safe high yield returns. InvestorEarth.com provides accredited investors with educational reports on successful investment programs. How Private Trade Programs Generate Enormous Returns By : Senator Ford How do seasoned investors increase profits by leveraging cash and financial instruments? Learn why financiers turn to Private Trade Programs for immediate, high yield profits. How To Leverage Banking Instruments For Immediate Liquidity And Greater Returns By : Senator Ford With literally billions being made in increased profits by leveraging banking instruments, how do the high level financiers turn nominal, long term returns into immediate above average returns without any risk? GRANTS FOR SINGLE MOTHERS By : Kanwaljit Kaur If you are a single mom and struggling to get by, you are not alone. Whether you are going through a divorce or the father is absent most single mother face the burden of supporting themselves and their children all on one income. The bear eluded in 2000 By : G.Entp20 The last 2-1/2 years clearly illustrate that it is as important To be out of the market during bad times, as it is to be in the Market during good times. Want proof? According to InvesTech’s monthly newsletter it turns out that, Measuring from 1928 to 2002, if you started with $10 and you Followed the famous buy-and-hold strategy, that $10 would Become $10,957. If you somehow missed the best 30 months, your $10 would Only be $154. However, if you managed to miss the 30 worst Months, yo Ghostwriter With Adequate SEO Skills By : Nitin Arora You may be among the people who have been mislead by the pieces of writing I occasionally come across that swear that promotional SEO (search engine optimized) keyword-rich articles do not generate much traffic and that ghostwriters are a waste of time and money. Passive Income Golden Parachute By : Tim Prescott I'm sure I don't need to remind you about the current state of our economy and how bad it is! But, I can tell you that now is the best time for you to take a good hard look at trying to successfully start making yourself some passive income. For those that don't understand the exact meaning of passiv Managing indices tracking the hedge fund industries By : brain strom There may be a number of indices that may be helpful in tracking the hedge fund industry. Basically we can group these indices into two common types, investable and non-investable. There are also a few of other products like the clone indices a product launched by Goldman Sachs and Merrill Lynch, that aims to replicate the returns of hedge fund indices and that too without actually holding any hedge funds at all. Using Technical Analysis To Manage Risk And Maintain Top Quartile Performance By : Dwayne Strocen To manage an effective risk management solution requires more than the calculation of VaR. Ultimately a successful risk management program requires the execution of an effective hedge. Technical analysis is a vital element of this strategy. In The Foreclosure Crisis, Banks And Government Always Win By : Nick Adama Anyone hoping that the wildly gyrating stock market will stabilize anytime soon and begin its inevitable march back upwards to 14,000 and above may be severely disappointed for the foreseeable future. The most recent bailouts of the banking system and injections of liquidity have thus far failed to calm the markets for any reasonable length of time. Flowing fund of hedge funds By : brain strom A collective investment schemes what we call as an investment funds uses an investment strategy which includes holding a portfolio of other investment funds instead of directly investing in securities and shares or bonds. This type of investment is a good example of multi manager investments. The Collapse of Merrill Lynch and the Subprime Fallout By : Nick Adama With the surprising news from this weekend that Bank of America has decided to purchase Wall Street investment firm Merrill Lynch, some of the financial thunder has been stolen away from Lehman Brothers. But Lehman and Merrill are two of a kind, and the collapse of both firms indicates how much confidence has been lost in any firm that took on exposure to the subprime mortgage market. Tramita is client owned, which is a stark contrast to the other investment companies By : Alex Cristian Tramita offers Tramita China fund that aims at capitalizing on the trend of the boom in the country’s market. The capital appreciation from the large capital based companies in China is the main reason for a boom in the Chinese economy. The economic growth in China offers opportunities for investors to broaden their horizons and penetrate the international investment markets. The Tramita China fund has a disciplined stock selection that has a mix of growth and value stocks. A New Exchange Traded Fund: Silver and Gold have been recently trading at multi decade highs. By : Loosi Diya Last week after much publicity and a long wait, the Barclay's Silver ETF (SLV) finally started trading. And it looks like the wait was worth it. Each share represents 10 ounces of silver. Industrial Steam Cleaning : A Wider Mode Of Cleaning By : deepti dwivedi Regular cleaning is fine. But for areas like kitchen both in the household and in food courts simple cleaning is not sufficient. Actually here cleaning cannot be restricted to wiping out dirt and dust. Oil, grease and other such sticky substances that envelop the roof, the window panes, the slabs and the walls of your kitchen can only be cleaned through industrial steam cleaning. Exchange Traded Funds (ETFs) Load Mutual Funds ? By : anjna sharma If you are fed up with early redemption charges and ever increasing mutual fund management fees on top of bad-performing fund managers, read on. There is a quiet revolution going on in the no-load mutual fund industry and you, the individual investor, may benefit from it greatly. I am referring to Exchange Traded Funds (ETFs), which have been around for years, but have grown tremendously since their inception. There are currently over 100 choices with around $10 billion in assets. We Eluded the Bear of 2000 ! By : binoy The date October 13, 2000 will forever be embedded in my mind. It was the day after our mutual fund trend tracking indicator had broken its long-term trend line and I sold 100% of my clients’ invested positions (and my own) and moved the proceeds to the safety of money market accounts. Some people thought we were nuts, but I had come to trust the numbers. Mutual Funds Load: Investment Hype vs. Investment Help By : Shekhar Bragta With the internet such a huge part of our daily lives, many investors have access to a wide range of instant investment information. Whether you're into stocks, bonds, mutual funds, futures or options, there are tons of electronic investment newsletters offering to turn your small stake into a giant fortune. All you need to do is subscribe and watch your portfolio soar. Yeah, right! As a practicing investment advisor specializing in no load mutual funds, I have received my share of e-mails What makes a good mutual fund By : Jacob Georgeson Mutual funds are popular. If you are not invested in one right now you are more than likely to be invested in one in the near future either directly or indirectly. Choosing a good mutual fund is important for maximizing your investment performance. Retirement planning: Plan your retirement for income through mutual fund investment. By : Dipendra It is important to plan for your post-retirement life if you wish to retain your financial independence and maintain a comfortable standard of living even when you are no longer earning. Now retirement planning can be done with a single click and with the advice of a registered mutual fund advisor by Association of mutual funds in India (AMFI). Stock Market Investing - The November Syndrome By : Steve Selengut November is particularly exciting because it hosts the convergence of four Katrina-level forces, all of which are part of Wall Street's conventional wisdom while none of them lead to intelligent investment decision making. And this year we have a special treat in the form of a Category Three market correction in the Value Stock sector. General Yet Effective Home Theater Reviews By : Gugu Maseko Ok, first you need to establish if you want a theater system with a projector, screen, and speakers; or if you're just looking for a theater system to go with your television set. Home theater "In A Box" is probably the best way to a home theater if you are on a tight budget and looking for a inexpensive system that will suffice this is your best option. Access General Reviews on Games By : Goodness Maseko Although board games have been played in most cultures since the earliest civilizations, they became widely popular during the early 20th century with the rise of the middle class who had time to spend and money to burn. On the other hand inter league games represent such a small minority of the total number of games played, the home field advantage in such games is not readily known. Access to More Fun and Entertainment Reviews By : Goodness Maseko Choosing a particular theme for a kid's birthday party can be a fun way to get the whole family involved in a birthday party. When you get into planning a birthday party, ideas pop into your head and the most common thought is one that will be cost effective and fun at the same time. When you are looking to put together some beach party games remember to make use of the natural elements on the beach for all of your fun. Basic Fun Ideas You Can Use Today By : Goodness Maseko There are lesser ways of making a painting from photographs such as a special computer printer into which the photo is scanned in one end and an imitation oil-like painting is spit out the other end. While each painter's brushes varies depending on the character and intensity of their paintings, most artists paint in layers while making an oil painting. Artists paint with oil use brushes made of different materials to express varying degrees of intensity in their paintings. Some Few Exciting Reviews On fun By : Goodness Maseko When you get into planning a birthday party, ideas pop into your head and the most common thought is one that will be cost effective and fun at the same time. A fun kid Halloween party idea is to turn the party into a haunted house! Kids love Halloween parties and Haunted Houses so why not combine the two? Choosing a particular theme for a kid's birthday party can be a fun way to get the whole family involved in a birthday party. Let's get some entertainment reviews By : Goodness Maseko Today, with several music download shareware programs it is possible to get your favorite song directly from other users without actually buying from them. In order to make music with your computer, the minimum you need is a soundcard and good software. Lies, Damn Lies and Mutual Fund Returns By : Ulli G.Niemann to look past the surface and don’t take any numbers thrown at you at face value. Remember, most people returning from a weekend in Las Vegas will shout about their winnings and mumble about their losses How to beat the mutual fund companies at their own game By : Ulli G.Niemann use a well performing mutual fund during strong up trends and get over to the sidelines during trend reversals. (That's exactly what I did for my clients in October, 2001, and we retained the lion's share of their profits while Buy & Holders kept insisting the emperor was wearing new clothes.) Pretty soon you will feel that you are in charge of your financial destiny and any chosen mutual fund is merely a tool to bring you closer to your goals of maximizing your gain and minimizing your losses. Rolling your 401k: Contributory IRA vs. Rollover IRA By : Ulli G.Niemann Rollover IRAs offer opportunities to maximize benefits and provide flexibility not usually available with employer 401k plans. Prospering with Mutual Funds: How anyone can “Afford” an Investment Advisor By : Ulli G.Niemann There are only two ways an individual can invest in mutual funds: Selecting and investing themselves or using outside help. If they use outside help they’ll have a couple of choices again: A commissioned salesperson (broker, financial planner or Registered Representative) or a fee-based investment advisor. No Load Mutual Funds: Investment Hype vs. Investment Help By : Ulli G.Niemann Whether you’re into stocks, bonds, mutual funds, futures or options, there are tons of electronic investment newsletters offering to turn your small stake into a giant fortune. All you need to do is subscribe and watch your portfolio soar. Buy and Hold: How to Perpetuate Your Investment Losses By : Ulli G.Niemann Judging from the reader’s e-mail it appears that he works for a major bank and is adamant about Buy & Hold and Dollar Cost Averaging. Maybe it's the approach he has chosen and he doesn't like hearing that the emperor is wearing no clothes. Nothing personal, honestly, but I find it incomprehensible that anyone, after the bear market and the financial disasters most people experienced, can even consider such theories. The results are just too black & white. No Load Mutual Funds or Exchange Traded Funds (ETFs)? By : Ulli G.Niemann In a nutshell, an ETF is a specific kind of no-load mutual fund that you might consider to be a basket of stocks. ETFs are diversified like mutual funds, only they trade like stocks. They are cheap to trade (as low as $8.00) and don’t hit you with any short-term redemption fees. And they offer investing opportunities across the board. How (NOT) to Buy Mutual Funds By : Ulli G.Niemann When it comes to mutual funds, there is a lot more to success than just finding a good one. Sad investment stories like the following are all too common. I hope my sharing it with you will help you avoid making the same devastating financial mistake one of my former clients made. How to Maximize Your 401k Mutual Fund Returns By : Ulli G.Niemann When it comes to 401k's there is an overabundance of sad stories. Here is one that at least has a happy ending—and it's getting happier all the time. How to Evaluate Load vs. No Load Mutual Funds By : Ulli G.Niemann Load fund vs. No Load mutual fund shouldn’t be the issue. Having a methodical plan and reliable advice as to when to buy and when to sell is far more important and will help you to secure a prosperous financial future How to Find Value in No Load Mutual Fund Investing By : Ulli G.Niemann to look at costs as balanced by performance and that's where you find value. Then seek true value not simple savings, enjoy healthy dollar-level returns and don't sweat the pennies The Inside Scoop on Mutual Fund Rip Offs By : Ulli G.Niemann The bear market that showed up at the end of 2000 has every brokerage house—as well as the entire mutual fund industry—scrambling to find creative ways to boost both their image and bottom line. Unfortunately, this is often at the investors' expense. How to find an Investment Advisor By : Ulli G.Niemann Most investors—even some professionals—tend to be "off" in their timing: they buy things when they are hot, not when they are cold. But for the greatest benefit, it should be the opposite. The media doesn't help much when it comes to this buying approach, and let's face it; greed and fear play a large part in most peoples' investment decisions. How to Pay Less and get More: Discount Broker vs Professional Management Fees By : Ulli G.Niemann The net result was that he would receive the benefit of my experience—which he already trusted based on my track record of pulling clients out of the market in October 2000—and it would cost him no more, and likely less, than his discount brokerage account. Your Worst Enemy to Successful Investing — the Media By : Ulli G.Niemann The big problem with this for mutual fund investors is that all the experts are recommending different funds. It might be one thing if experts had a solid basis for their perspective. If they did, then you would think their recommendations would line up and they'd all be touting the same thing. The Demise of Buy and Hold By : Ulli G.Niemann Based on consistent results I think Buy & Hold should be renamed Buy, Hold & Bye Bye. It sounded great for a while, especially for the huge majority of investors who don't have the time or interest in really doing due diligence on investments. The Conflict of Interest Game By : Ulli G.Niemann it is impossible to predict these alleged conflict of interest schemes, it is definitely possible to follow a disciplined approach and be on the “right” side of the market so you can avoid jumping aboard a sinking ship. Find a Methodology and Minimize Investment Madness By : Ulli G.Niemann There are many reasons to be investing these days, and too much opportunity to not have your money working for you. However, I believe the majority of people dread having to deal with investment matters, and tend to jump into purchases and then hold their breath hoping for the best. After a long day at work and taking care of the family, it’s hard to get excited about reading up on your 401(k) options, Morningstar ratings and fund performances. How We Eluded the Bear in 2000 By : Ulli G.Niemann The shake out in the stock market, which started in April 2000, had all major indexes coming off their highs, violently followed by just as strong rally attempts. The roller coaster ride was so extreme that even usually slow moving mutual funds behaved as erratically as tech stocks. Do Lifestyle Funds Provide Greater Security? By : Ulli G.Niemann no matter what type of mutual fund you choose, or what anybody claims it will do for you, you must be vigilant and see if it does what you were told it would. In investing, there is simply no such thing as a sure thing. Sure you need to know how to recognize a good investment. But just as important—maybe even more important—you must know when to recognize that a good investment idea didn't work out, cut your loss, and sell. The 10 Rules for Successful Tax-Free Income Investing By : Ulli G.Niemann these 10 points will assist you in more profitable investing. If you’re unsure about putting an income portfolio together by yourself, find a professional who works with these types of funds and is aware of the principles I have described, and let him or her assist you in creating the income you need to enjoy a dignified retirement. WHY YOU SHOULD TRADE ETFs & MUTUAL FUNDS RATHER THAN INDIVIDUAL STOCKS By : Groshan Fabiola You can be on your way to doubling your money in 3 years by trading Mutual Funds and Exchange Traded Funds (ETFs) rather than individual stocks. The WoW Gold World By : Jack Lee Though you joined the world of WoW Gold for fun, you will soon realize that you are spending a whole lot of time just watching your skill bar creep up at a tedious pace. This can be very frustrating and will often get you worried as to how you'll ever make gold. Of course, it depends on you whether you would like to go through this stressful procedure or find another simpler and easier way to get your hands on the World of Warcraft gold you need. As it is, World of Warcraft has a system that makes earning gold a highly time consuming and annoying task. WoW Gold - Get Your Hands on it! By : Jack Lee If you have played World of Warcraft Gold, you would know that it is not an easy task to get your hands on WoW gold. In fact, the thrill is in the difficulty level which has been specifically designed so that you keep playing more and trying to level up to get as much gold as possible. So, everyone tries to find the best way to collect a lot of gold without wasting much time. About Technology Transfer Legislation By : Farshid A transfer agent makes federally funded research available to private industry, for finding new applications for new inventions, technologies, and products. So royalties and revenue could be returned to the research agency that fund additional studies and projects.