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Michael Taylor | Sunday, 5th January, 2020 I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Views expressed in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. I fear for those who will be reliant on their state pension when they retire in 20–30 years, because I don’t think it will exist by then. Given the high rate of human population growth and rising global debt, I just don’t see how anyone could be confident about it.That’s why I took action early on. In my twenties, I made the decision to start investing. But more than that, I made the decision to start investing in growth stocks.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Why you should invest in growth stocksGrowth stocks are all about capital growth. You don’t choose them for dividends or income, but because you want your investment to grow in value. However, growth stocks also tend to come with higher risk; growth stocks can have insanely high price-to-earnings (PE) ratio valuations. Growth stock companies can also be at risk from many other factors simply because they are smaller and younger than large, established industry monoliths. It’s easier to for them to be knocked off-course.But, it’s also easier for them to navigate stormy waters. Whereas a FTSE 100 giant may struggle to adapt to market trends due to its size, a much smaller growth company may be more nimble.For those who can afford to take on a bit more risk before they retire, it makes sense to consider growth stocks.Growth at a reasonable price Growth at a reasonable price (GARP), as it was called by Peter Lynch, is a strategy that looks for attractive growth businesses that aren’t valued at lofty P/E ratios. Lynch, a former Fidelity fund manager, also used the price-to-earnings growth ratio (PEG) for valuation. This looks at the P/E ratio against the percentage growth rate of a company. For example, a company that is growing its earnings at 40% a year but is rated by the market on a P/E ratio of 20 times earnings would be classed as cheap due to a PEG ratio of 0.5. Self-sustaining business modelsOne big problem of growth stocks is that they can be cash-guzzling and loss-making. That means that more cash is often required, from new shareholders, which dilutes the entire issued share capital. Existing investors don’t like to see their percentage shareholdings in the business dwindle, so the market’s reception of these fund raises can be extremely harsh if management doesn’t plan ahead. That’s why I believe it’s important to look for growth stocks that are have attractive PEG ratios but that also have self-sustaining business models. This reduces the overall risk of investing in growth stocks. A company that doesn’t need external sources of funding to keep the lights on is a lot safer than one that does!Bonus One final factor that I like to see in a growth company is management owning plenty of shares. It’s much better for directors to be aligned with shareholders (preferably with their own skin in the game) than for them to have no equity or interest in the business’s success. Do this one thing now and you can put your state pension fears behind you I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Enter Your Email Address Simply click below to discover how you can take advantage of this.
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Special art events will take place in this host city during the World Cup TAGS: Japan How to get thereKobe is just 12 minutes by bullet train from Osaka or two hours, 40 minutes from Tokyo. You can also fly to Kobe Airport from Tokyo (70min), Sapporo (115min) andOkinawa (130min). Head for heights: Akashi Kaikyo Bridge, the world’s longest suspension bridge Advertising FeatureJapan 2019 Travel Guide: KobeArts and crafts, hot springs and hikes – and, of course, Kobe beef. This Japan 2019 venue has much to offer…The Culture Vulture Arima Onsen is the oldest hot spring in Japan and it is rated as one of the top three in the country. It has two kinds of spring, which is very rare. The reddish-brown Kinsen is beneficial for keeping your body hot and healing your back pain, while the transparent sparkling spring, Ginsen, contains a lot of minerals, which is good for beauty.Just 30 minutes from Kobe city centre, a visit to the onsen also allows you to see a geisha dance display as well as traditional crafts, such as Arima baskets and dolls.Culture trip: Arima Onsen is the oldest hot spring in JapanThe Takenaka Carpentry Tools Museum not only provides plenty of background on Japan’s building and crafts techniques, but you can also try your hand at making things yourself.Visit the 500-year-old camphor tree in the serene Sorakuen Garden in the city. There is also a café overlooking the Japanese garden if you fancy a pit stop.The FoodieThe food that always comes to mind when talking about Kobe is, of course, Kobe beef. Only cows which have passed a rigorous examination can be labelled as such and the soft meat, marbled with fat, is loved by both the Japanese and foreigners.Kobe is not just about the beef, though. Other local delicacies include sobameshi (rice and noodles), dumplings with miso sauce, and bokkake (small cuts of beef and chopped konnyaku with a sweet and spicy sauce).Kobe’s Nada district is Japan’s top sake-producing region. It has long been famous for its sake due to the availability of high-quality rice, suitable water and favourable weather conditions in the area. The AdventurerIf you want to hike or trek, head to Nunobiki Waterfalls, which are near Shin-Kobe Shinkansen station. Not only will you get to see massive falls – one of Japan’s top three – but you’ll also have a brilliant view of Kobe city. Plus, the hiking pass will take you to the Nunobiki Herb Garden. There are trekking routes on Mount Rokko too.Falls into place: Nunobiki Waterfalls are great if you want to hike or trekYou can also take a tour of the Akashi Kaikyo Bridge, which offers a panoramic view 300 metres above the sea. You’ll be given information on the bridge’s history and technology with someone who was involved in the construction as your guide.The Party Animal Get an insight into Kobe’s bar scene from those who know it best by going on the Night Surfing tour with locals. There are numerous izakayas where you can enjoy local craft beers, as well as the Third Row bar run by former Kobe Steelers player Yasunori Kanemura.Local knowledge: A Night Surfing Tour in KobeThere are also art events during the World Cup. From September to November, enjoy contemporary art on Mount Rokko in the Rokko Meets Art event. The TRANSproject features modern art in the Hyogo Port, Shinkaichi and Shin-Nagata areas.For more travel information…try-kobe.com/plus.feel-kobe.jp/en/plus.feel-kobe.jp/en/guide/ LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS
Sydney Archbishop welcomes New South Wales modern slavery bill Canon for Family Ministry Jackson, MS AddThis Sharing ButtonsShare to PrintFriendlyPrintFriendlyShare to FacebookFacebookShare to TwitterTwitterShare to EmailEmailShare to MoreAddThis Rector Martinsville, VA Assistant/Associate Priest Scottsdale, AZ Join the Episcopal Diocese of Texas in Celebrating the Pauli Murray Feast Online Worship Service June 27 Human Trafficking Assistant/Associate Rector Washington, DC Course Director Jerusalem, Israel An Evening with Presiding Bishop Curry and Iconographer Kelly Latimore Episcopal Migration Ministries via Zoom June 23 @ 6 p.m. ET Press Release Service In-person Retreat: Thanksgiving Trinity Retreat Center (West Cornwall, CT) Nov. 24-28 Episcopal Migration Ministries’ Virtual Prayer Vigil for World Refugee Day Facebook Live Prayer Vigil June 20 @ 7 p.m. ET Rector Hopkinsville, KY [Anglican Communion News Service] Draft legislation to make it easier for police and prosecution authorities to crack down on modern slavery in New South Wales has been welcomed by Archbishop of Sydney Glenn Davies. The archbishop was in the public gallery of the New South Wales Legislative Council March 8 as MLC Paul Green introduced his modern slavery bill. Davies said that the bill “deserves the wholehearted support of the Parliament and the people of NSW.”Read the entire article here. New Berrigan Book With Episcopal Roots Cascade Books Rector (FT or PT) Indian River, MI Rector and Chaplain Eugene, OR Rector Belleville, IL Ya no son extranjeros: Un diálogo acerca de inmigración Una conversación de Zoom June 22 @ 7 p.m. ET Remember Holy Land Christians on Jerusalem Sunday, June 20 American Friends of the Episcopal Diocese of Jerusalem Rector Tampa, FL Youth Minister Lorton, VA Featured Jobs & Calls The Church Investment Group Commends the Taskforce on the Theology of Money on its report, The Theology of Money and Investing as Doing Theology Church Investment Group The Church Pension Fund Invests $20 Million in Impact Investment Fund Designed to Preserve Workforce Housing Communities Nationwide Church Pension Group Rector Albany, NY Episcopal Charities of the Diocese of New York Hires Reverend Kevin W. VanHook, II as Executive Director Episcopal Charities of the Diocese of New York Anglican Communion, Rector Shreveport, LA Rector Washington, DC Featured Events Director of Administration & Finance Atlanta, GA Priest Associate or Director of Adult Ministries Greenville, SC Rector Bath, NC Family Ministry Coordinator Baton Rouge, LA TryTank Experimental Lab and York St. John University of England Launch Survey to Study the Impact of Covid-19 on the Episcopal Church TryTank Experimental Lab Rector Smithfield, NC Curate (Associate & Priest-in-Charge) Traverse City, MI Associate Rector Columbus, GA Submit a Job Listing Seminary of the Southwest announces appointment of two new full time faculty members Seminary of the Southwest Posted Mar 9, 2018 Submit an Event Listing Rector Collierville, TN Assistant/Associate Rector Morristown, NJ Rector/Priest in Charge (PT) Lisbon, ME Rector Knoxville, TN Inaugural Diocesan Feast Day Celebrating Juneteenth San Francisco, CA (and livestream) June 19 @ 2 p.m. PT Associate Rector for Family Ministries Anchorage, AK Rector Pittsburgh, PA Submit a Press Release Missioner for Disaster Resilience Sacramento, CA Bishop Diocesan Springfield, IL This Summer’s Anti-Racism Training Online Course (Diocese of New Jersey) June 18-July 16 Virtual Celebration of the Jerusalem Princess Basma Center Zoom Conversation June 19 @ 12 p.m. ET Priest-in-Charge Lebanon, OH Tags Director of Music Morristown, NJ Curate Diocese of Nebraska Associate Priest for Pastoral Care New York, NY Cathedral Dean Boise, ID
LEAVE A REPLY Cancel reply Support conservation and fish with NEW Florida specialty license plate TAGSAuto Loan Previous articleStand Up For Your Health at Your Desk JobNext articleApopka High Bowling Team at Nationals: Day 2 Denise Connell RELATED ARTICLESMORE FROM AUTHOR If you’ve decided it’s time to purchase a vehicle, the best thing you can do beforehand is to educate yourself on the process. Here are some Auto Loan Basics to help you get started. Determine a BudgetFirst you need to know how much you can afford to spend and what your down payment will be. Traditionally, 20 percent was thought to be a suitable down payment for a new car, and about 10 percent for a used vehicle. However, it depends on how much you can afford. According to Edmunds.com, the general rule is that for every $1,000 you put down, your monthly payment will drop by $20. To see how various down payments will affect your monthly payment, use the Edmunds calculators. The bottom line is, put down as much as you can afford. If you will be trading in a vehicle, visit a few dealerships and ask for a trade-in quote. Also, check Kelley Blue Book, which provides approximate values for pre-owned vehicles.Lender ChoicesIn order to purchase a car, you will most likely need to borrow money. Most people borrow from a bank, a credit union, a dealership or through an on-line only lender. Complete several applications, be completely honest when answering the questions (all information will be verified!), and see which one offers you the best loan and terms for your circumstances.Interest RatesRemember, in order to borrow money, you will have to pay interest to the lender, in addition to the principal. You will be required to pay the money back to the lender in monthly installments until it is completely paid-off. As you shop around, it’s important to understand that interest rates, also known as Annual Percentage Rate (or APR) can vary. Your credit rating, price of the vehicle, length of the loan and your geographic location will determine your interest rate. For example, the shorter the length of the loan, the lower the interest rate and, conversely, the longer the loan, the higher the interest rate.Credit RatingYour credit rating is important; as it impacts the interest rate you will be charged, as stated above. The higher your credit score, the lower the interest rate you will be charged. So, you should know what your credit score is prior to applying for a car loan. According to U.S. News and World Report, those with a credit rating 720 and above receive the best interest rates. You can check your credit scores through bureau’s like FICO, TransUnion, Experian and Equifax. You should also check this information to ensure its accuracy, and to verify there is no fraudulent activity on your record. If your rating is poor, click here for tips from Experian on how to improve it. If your FICO score is 620 or below, you will increase the chances of getting approved for a loan if you put down a large down payment.If you have good credit, it’s to your advantage to get pre-approved for a loan before you walk into a dealership. This gives you the upper hand, and a choice as to whether to accept or reject the dealership’s financing. Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Please enter your comment! Share on Facebook Tweet on Twitter You have entered an incorrect email address! Please enter your email address here The Anatomy of Fear Please enter your name here Save my name, email, and website in this browser for the next time I comment.
One in five charities submits annual returns too late About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. Tagged with: Charity Commission Finance Law / policy 55 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis The Charity Commission reports that last year 20% of charities in England and Wales failed to submit their accounts and Annual Returns on time.The Commission is therefore reminding charities to file on time. It has launched a regional press campaign to encourage local trustees to ensure their charity does so.Charities whose income exceeded £10,000 in their last financial year have 10 months from the end of their financial year in which to submit an Annual Return. Those with an income over £25,000 also have to submit their accounts with their Annual Return.Since 2008 the Commission has displayed on its online Register of Charities a red flag on the records of charities which had outstanding documents. As the Commission points out, “the Register of Charities is visited by millions of users every year”.Dame Suzi Leather, Chair of the Charity Commission, said: “It’s not acceptable for charities to send their annual accounts and returns late – they are accountable not just to us but most importantly to their donors, to those whom they exist to help and to the wider public.“As well as being a requirement, charities run the risk of damaging their own reputations and putting off potential donors if their financial affairs are not in order”.www.charitycommission.gov.uk Howard Lake | 3 February 2010 | News
Business News Make a comment More Cool Stuff Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Your email address will not be published. Required fields are marked * Community News Subscribe Herbeauty15 Countries Where Men Have Difficulties Finding A WifeHerbeautyHerbeautyHerbeautyKim To File For Divorce From Kanye West After 6 Years Of MarriageHerbeautyHerbeautyHerbeauty8 Easy Exotic Meals Anyone Can MakeHerbeautyHerbeautyHerbeauty10 Brutally Honest Reasons Why You’re Still SingleHerbeautyHerbeautyHerbeautyStop Eating Read Meat (Before It’s Too Late)HerbeautyHerbeautyHerbeautyA Mental Health Chatbot Which Helps People With DepressionHerbeautyHerbeauty Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Galaxy Clusters Reveal New Dark Matter InsightsDark matter is a mysterious cosmic phenomenon that accounts for 27 percent of all matter and energy. Though dark matter is all around us, we cannot see it or feel it. But scientists can infer the presence of dark matter by looking at how normal matter behaves around it.Galaxy clusters, which consist of thousands of galaxies, are important for exploring dark matter because they reside in a region where such matter is much denser than average. Scientists believe that the heavier a cluster is, the more dark matter it has in its environment. But new research suggests the connection is more complicated than that.“Galaxy clusters are like the large cities of our universe. In the same way that you can look at the lights of a city at night from a plane and infer its size, these clusters give us a sense of the distribution of the dark matter that we can’t see,” said Hironao Miyatake at NASA’s Jet Propulsion Laboratory, Pasadena.A new study in Physical Review Letters, led by Miyatake, suggests that the internal structure of a galaxy cluster is linked to the dark matter environment surrounding it. This is the first time that a property besides the mass of a cluster has been shown to be associated with surrounding dark matter.Researchers studied approximately 9,000 galaxy clusters from the Sloan Digital Sky Survey DR8 galaxy catalog, and divided them into two groups by their internal structures: one in which the individual galaxies within clusters were more spread out, and one in which they were closely packed together. The scientists used a technique called gravitational lensing — looking at how the gravity of clusters bends light from other objects — to confirm that both groups had similar masses.But when the researchers compared the two groups, they found an important difference in the distribution of galaxy clusters. Normally, galaxy clusters are separated from other clusters by 100 million light-years on average. But for the group of clusters with closely packed galaxies, there were fewer neighboring clusters at this distance than for the sparser clusters. In other words, the surrounding dark-matter environment determines how packed a cluster is with galaxies.“This difference is a result of the different dark-matter environments in which the groups of clusters formed. Our results indicate that the connection between a galaxy cluster and surrounding dark matter is not characterized solely by cluster mass, but also its formation history,” Miyatake said.Study co-author David Spergel, professor of astronomy at Princeton University in New Jersey, added, “Previous observational studies had shown that the cluster’s mass is the most important factor in determining its global properties. Our work has shown that ‘age matters’: Younger clusters live in different large-scale dark-matter environments than older clusters.”The results are in line with predictions from the leading theory about the origins of our universe. After an event called cosmic inflation, a period of less than a trillionth of a second after the big bang, there were small changes in the energy of space called quantum fluctuations. These changes then triggered a non-uniform distribution of matter. Scientists say the galaxy clusters we see today have resulted from fluctuations in the density of matter in the early universe.“The connection between the internal structure of galaxy clusters and the distribution of surrounding dark matter is a consequence of the nature of the initial density fluctuations established before the universe was even one second old,” Miyatake said.Researchers will continue to explore these connections.“Galaxy clusters are remarkable windows into the mysteries of the universe. By studying them, we can learn more about the evolution of large-scale structure of the universe, and its early history, as well as dark matter and dark energy,” Miyatake said. Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Name (required) Mail (required) (not be published) Website EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Science and Technology Galaxy Clusters Reveal New Dark Matter Insights From STAFF REPORTS Published on Monday, January 25, 2016 | 11:28 am 0 commentsShareShareTweetSharePin it faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyCitizen Service CenterPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Top of the News First Heatwave Expected Next Week Community News Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena
Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / Housing Loans and “DREAMers” This week, Senate lawmakers introduced a bill intended to ensure beneficiaries of the Deferred Action for Childhood Arrivals (DACA) program are not denied federally-backed home loans. New Jersey Sen. Robert Menendez along with his team of lawmakers including Catherine Cortez Masto introduced the Homeownership for Dreamers Act to prevent agencies including the Federal Housing Administration (FHA), the United States Department of Agriculture (USDA) and Fannie Mae-Freddie Mac from refusing loans to “DREAMers,” The Nevada Independent reports.“For many young Nevadans, homeownership represents a crucial step in securing their financial futures. It’s unacceptable that this Administration continues to target the 13,000 Dreamers in Nevada, and thousands more nationally, by denying them housing loans simply because of their immigration status,” Cortez Masto said in a statement. “I’m proud to co-sponsor legislation that protects Dreamers’ eligibility to buy homes, invest in their futures and pursue the American dream.”Despite the push from these lawmakers, some note that non-U.S. citizens without lawful residency, including DACA recipients, are not eligible for FHA loans.“Accordingly, because DACA does not confer lawful status, DACA recipients remain ineligible for FHA loans,” said the Department of Housing and Urban Development (HUD) in a statement.Earlier this year, in a hearing before the House Committee on Appropriations Subcommittee on Transportation, and Housing and Urban Development, and Related Agencies, HUD Secretary Ben Carson was questioned by Rep. Pete Aguilar on if DACA recipients are eligible for FHA-backed loans.Aguilar asked Carson “To your knowledge, are DACA recipients eligible for FHA-backed loans, and has HUD made any changes to existing policy or interpretations?.”“No one was aware of any changes that had been made to the policy whatsoever. I’m sure we have plenty of DACA recipients who have FHA-backed loans,” Carson responded.Aguilar then asked Carson if HUD had changed any policy that was not yet in writing.”I have instructed everyone to follow the laws of the United States, with regard to DACA, with regard to anyone who is an immigrant or potential immigrant to this country,” Carson answered. “As long as you continue to follow the laws, you will have my approval.” About Author: Seth Welborn DACA FHA loans 2019-06-24 Seth Welborn Related Articles Tagged with: DACA FHA loans Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Housing Loans and “DREAMers” in Daily Dose, Featured, Government, News Previous: Affordability Increases on the West Coast Next: Wells Fargo Looks to Assist Those Impacted by Disasters Demand Propels Home Prices Upward 2 days ago Sign up for DS News Daily Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. Print This Post The Best Markets For Residential Property Investors 2 days ago June 24, 2019 2,602 Views The Week Ahead: Nearing the Forbearance Exit 2 days ago Share Save Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Subscribe
WhatsApp Facebook 365 additional cases of Covid-19 in Republic Pinterest PSNI and Gardai urged to investigate Adams’ claims he sheltered on-the-run suspect in Donegal Previous articleDrumquin community being urged to join search for Lisa Mc Gowan on SaturdayNext articleKarl Lacey eager to put frustrating time behind him News Highland News Google+ Twitter By News Highland – July 19, 2013 Man arrested in Derry on suspicion of drugs and criminal property offences released Facebook Google+ Man arrested on suspicion of drugs and criminal property offences in Derry HSE warns of ‘widespread cancellations’ of appointments next week RELATED ARTICLESMORE FROM AUTHOR A 15 year old youth has died after falling into the River Roe in Limavady in Co Derry.He fell into the water at Roe Valley Country Park at about 430pm yesterday afternoon.He was taken from the water and airlifted to Altnagelvin Hospital, but was pronounced dead.The Mayor of Limavady, Gerard Mullen says it’s a tragic accident at a popular tourist spot, and he is urging anyone visiting the Roe Valley Country Park to be cautious:[podcast]http://www.highlandradio.com/wp-content/uploads/2013/07/germ1pm.mp3[/podcast] Dail to vote later on extending emergency Covid powers 15 year old boy dies in Limavady tragedy WhatsApp Pinterest Twitter
New Canaan Police Department(NEW YORK) — Connecticut mom of five Jennifer Dulos, who vanished last month amid a custody battle with her estranged husband, may have disappeared intentionally in a “‘Gone Girl’-type case,” her husband’s attorney alleges.But Dulos’ decades-old friend has shut down that theory. Dulos was last seen on May 24, police said. Investigators believe she suffered a “serious physical assault” in the garage at her New Canaan home, where bloodstains were found, according to arrest warrants. Clothes and sponges with Dulos’ blood were found in trash cans in Hartford, where surveillance cameras captured a man appearing to be her estranged husband, Fotis Dulos, disposing of garbage bags, according to the documents. A woman in the man’s car fit the appearance of his live-in girlfriend, Michelle Troconis, according to the documents.Fotis Dulos and Troconis are charged with tampering with or fabricating physical evidence and hindering prosecution. Both have pleaded not guilty.More charges are likely, prosecutors said. Fotis Dulos’ attorney, Norm Pattis, insists his client didn’t kill his wife and doesn’t know where she is.Pattis told ABC News this week that he’s “investigating the possibility that this is a ‘Gone Girl’-type case and considering the possibility that no third party was involved in foul play.”In the “Gone Girl” book-turned-film, a wife fakes her own disappearance, framing her husband.Carrie Luft, a spokeswoman for Jennifer Dulos’ family, called the defense’s “Gone Girl” theory a “smokescreen.”“I think that drawing any comparison to a work of fiction does an incredible disservice to the family,” Luft told “Good Morning America” on Sunday. “This is not a film, this is not a novel, this is our real life.”“Someone we love is missing,” said Luft, a friend of 28 years. “This is about someone who is missing following a violent attack and people are doing everything they can to solve the mystery.”Luft described the missing mother as stable, responsible and reliable and “not a woman that would ever, ever leave her children.”“She loves them more than anything in the world,” she said.The five kids are in the custody of Jennifer Dulos’ mother.“The kids are well cared for and are surrounded by people who love them,” Luft said.Luft said she’s holding out hope that Jennifer Dulos survived and can be rescued.Copyright © 2019, ABC Radio. All rights reserved.