Lindsey Jacobellis flew into the frigid Italian atmosphere as a celebrated and admired snowboarding superstar but, after an adrenalin-fueled grab at her board in mid-flight, she returned to earth in a meteoric flameout destined to make her a lock for membership in the Bonehead Hall of Shame. But her gaffe also represents a watershed moment for a sport once typified by such actions.

Snowboarding is a serious sport populated by serious athletes. Participants in competitions throughout the world work and train and sacrifice to race and win and be recognized as the best in their sport. But the ascension of snowboarding from a wild, rebellious and carefree winter activity to a corporately-sponsored, mainstream, Olympic-level competition has resulted in attitudes and expectations that are radically divergent from the once-radical personality that dominated the sport.

Lindsey Jacobellis began snowboarding in rural Roxbury, CT when she was 10-years old. Coached by her older brother, Ben, Lindsey was forced to compete against boys since there was no girls division for the sport. This co-ed racing helped her develop a highly competitive spirit. Leading up to the Olympics she trained with the American men since she is the only U.S. woman competing in snowboard cross. She is, quite simply, the best womens snowboard cross racer in the world. But, as a result of her fall in the Italian Alps, she will not be an Olympic champion in 2006.

What Lindsey Jacobellis will be, to many, is a showboating hot dog. She will be derided for being cocky, over-confidant and foolish. One television reporter stated that Lindsey had left a blemish on the sport of snowboarding. Another said that the nations hope for a gold medal in this event rested solely on her shoulders. Her agent is probably on suicide watch after seeing his dreams of gold medal endorsement deals get swept away in an avalanche of shattered dreams.

And how does Lindsey feel about all of this? "I went for the jump because I was having fun," she said. "Snowboarding is fun, and I wanted to share that with the crowd. ... I was caught up in the moment and forgot that I had to race.

Poor Lindsey. Doesnt she realize that competing at this level is not supposed to be fun? That getting caught up in the moment was a reckless, selfish and careless demonstration of nave exuberance? How could Lindsey have been so irresponsible that she would have allowed the thrill of flying down a frosty hill, free, fast and in first-place by a snowboarding mile, to be manifested in a flamboyant maneuver for which snowboarders used to be hailed?

Used to be That is the operative phrase at the moment. Snowboarding has come of age. Millions are watching world-class athletes compete for gold, silver and bronze. Fame and fortune await the winners. Only memories of a temporary place on the world stage await the rest. But Lindsey Jacobellis will forever straddle the chasm between Olympic winners and Olympic losers. She now carries the weight of Olympic silver around her neck and the stigma of Olympic failure on her competitive resume.

By her self-inflicted disaster, Lindsey Jacobellis has elevated snowboarding to a premier winter sport. No longer will the freewheeling, high-flying, hey dude, watch this, X Game-style mentality apply to competitive snowboarding. Its about winning and money and national honor and endorsements. Getting ramped up and having fun are no longer permissible attitudes for the sport.

Dude, this is serious!

Youve probably heard me say over and over that 80% of your return on your portfolio comes from the market and the sector. But what the heck does that really mean?

In June 1998, Investors Business Daily summarized two studies on the causes of stock- price movement in two books: The New Science of Investing, by Dr. Robert Hagen and The Latent Statistical Structure of Securities Price Changes, by Benjamin King.

Those studies found that 31% of a company's stock-price action was tied to the market as a whole. Industry group action explained 37%, while broad sector action accounted for 12% of the price movement.

Both studies concluded that only 20% of the price action in a stock was determined by company fundamentals!

Unfortunately, most people were taught backwards. Most think gains and losses are only determined by picking the stock with the right fundamentals! Fundamentals are things like P/E ratio, good management, growth rates, new products, market share, etc. I'd venture a guess and say that most people spend 80% of their time (and sometimes 100% of their time!) trying to find the stock with the best set of fundamentals.

Yikes!

So what happens when a company "with great fundamentals" happens to be in a sector thats on defense? Or what if the whole market is on defense? The company could see their stock price get slammed (yes, even with great fundamentals!).

Say you bought at a stock a few months ago at $40. Today it is $20. The company may still be growing like crazy, but the market or the sector dragged it down. If the story didnt change, then didn't the fundamentals just get even better? It has to be a better value at this price, right? If you invest by using only the fundamentals, you lose.

Again, most of the returns you're going to get will depend on whether the market (and the sector the stock belongs to) is on offense or defense.

Look, everyone knows that if you're swimming with the current, it's an easier ride. There are times when the market is on offense (and you're moving with the current). Hey, it IS possible to make money when the current is against you. But the odds are stacked against you! So, try to swim with the current...swimming against the current is NOT recommended!

Offense? Defense? Huh?
When were on offense, we run offensive plays from our playbook. Meaning, well look to put money into the market to build our wealth. Were not going to buy everything in sight; we want to focus ONLY on the sectors that are also on offense.

When were on defense, well run plays designed to protect our assets. Defense doesnt mean run out and sell everything! Whats the goal when the defense comes on the field in a football game?

To prevent the other team (the market) from scoring against you!

When the market is on defense, well only call plays from our defensive playbook. Running a defensive strategy helps prevent us from making really stupid mistakes in our account and taking big losses. Defense can mean taking steps like buying protective puts against your holdings. Or possibly shave back a large investment in a stock or mutual fund.

Avoiding big losses alone will improve the performance for most people in the market.

How do we know whether to be on offense or defense? We use a tool that is an excellent indicator of the level of risk in the market. Fifty years ago, a technical analyst named A.W. Cohen came up with this tool he dubbed the bullish percent index. Cohen was looking for a way to tell when to be cautious near market tops and also aggressively optimistic near market bottoms.

If you think about it, isnt that what we all want? Something thatll tell us when the risk in the market is high...and when the risk in the market (or a sector) is low! And its been around for fifty years, ignored by many in the market!

The bullish percent index is the percentage of all the stocks in a universe that are currently on buy signals. Now, that universe may be all the stocks in the semiconductor or the financial sector. Or even all the stocks listed on the New York Stock Exchange.

Knowing when the risk is high in a particular area will go a long way toward improving your investment results!

When to take action
Weve discussed the bullish percent is all the stocks in your group that are currently on buy signals. We feel its the single best risk level indicator we have found. But how do you know when to take action?

If 90 out of 100 stocks in a given sector are currently on buy signals, the bullish percent index is said to be at 90% for that group. If only 30 of 100 are on buy signals, the bullish percent is 30%.

Now, if 90% of all stocks in a sector are already on buy signals, that means only 10% of the names in that group are NOT on buy signals.

Wed want to be cautious with that kind of high reading!

Hey, no one likes being the last guy to show up at a party, but thats what happens to a lot of individual investors. They get in near the top and get creamed when the sector or market takes a dive.

Now, what were measuring here is supply and demand. When there is demand, prices rise. When a sector reaches 90%, theres not much more that can move a group higher.

But thats NOT the time to sell.

See, stocks can hang around lofty levels for a LONG time. Its only when we see more and more companies in a sector (or market) start to give sell signals, we know that supply is overtaking demand. When that happens, lower prices are on the way.

Now, say last week we noticed that a sector had a bullish percent reading of 30% and this week its now at 38%. This is a group wed want to pay attention to! Not only are the readings going up, they are going up from low levels!

This is precisely the stuff we zoom in on when telling you where to put money to work!

Predictions

If we need to get out of something, wed sure like to know it NOW, not later!

Hindsight IS 20/20. But it wont help you avoid losses in your account. Weve given up predicting what the market will do because we use tools that tell us accurately what IS happening right now in the marketplace. The point and figure charts we use and the bullish percent index are tools that tell us whats happening today. These charts tell us what is in demand and what is in supply.

There are too many folks trying to complicate the investing process. Keep it simple. Just remember that anything with too much supply will see their prices fall. Anything in demand will see their prices rise. And we have a method of measuring exactly which stocks and mutual funds are in demand and which are in supply.

Chairs crafted by Thomas Chippendale were dazzling examples of quality furniture in their day. Today, they remain extraordinary examples of antique furniture. Chippendale style, ball and claw and ladder backs, theres lots to know. Heres your guide to one of the worlds most celebrated chairs.

Who is He.

Thomas Chippendale (1714-1779) was an English furniture maker in the mid 18th century whose work was influenced by English, French and Chinese furniture design.

A Book Made Him a Household Name.

In 1754, Thomas Chippendale published the first of three editions of his book, Gentleman and Cabinet-Makers Director. It put him on the map. This illustrated directory showed examples of the furniture that Thomas Chippendale could make for his customers. Wealthy clients could see illustrated examples, pick out the designs that they liked which would be handcrafted in his workshop. At the time, Thomas Chippendale probably didnt expect that this book would become so widely copied for so many years by other furniture makers. It continues to be used today.

A Claim to Fame.

Thomas Chippendale was the first non-reigning monarch to have a furniture style named after him. Before Thomas Chippendale, furniture styles were named after reigning Monarchs such as Louis XIV, George I, Queen Anne.

Chippendale versus Chippendale Style.

Anything made by Thomas Chippendales workshop in England is a Chippendale. Furniture made incorporating the features used by Thomas Chippendale is Chippendale-style. American Chippendale refers to Chippendale style furniture that was made in the US mostly in Philadelphia.

Chippendale Style Particulars.

The style reflected elements of the Rococo, Chinese, Gothic and Noeclassical styles. Deep hand carving was prevalent. Common motifs were of shells, lions, masques, eggs, darts and scrolls.

Favorite Wood.

Mahogany was preferred choice of wood for Chippendale style furniture. Solid wood; not veneers was often used because of the detailed carving involved.

A Lesson in Legs.

There are six basic style lions paw, ball and claw, the late Chippendale, the Marlborough, the club and the spade. Early Chippendale furniture used the cabriole leg which is a serpentine style ending with a lions paw, ball and claw or the club. The late Chippendale, Marlborough and spade were straight legs and appeared later in the period.

Seat Selection.

Chippendale style chairs were wood, upholstered or caned.

Chair Back Choice.

Upholstered, rail backs, ladder backs, rung back, splat backs, carved backs, ribband backs. The chair backs are one of the most definitive parts of the chair that typify the style. Ribband backs are carved to look like bow. Very few were made in the 18th century because it required expert craftsmen and was very time-consuming. And very few survived passed the 18th C. Most ribband back chairs around today were made in the 19th and 20th centuries.

What to Look for When Buying.

Look for original condition. Repairs and replacement lower the value. Actual pieces from Thomas Chippendales workshop are rare indeed. Make sure the provenance is strong documented when a dealer says it is a Thomas Chippendale versus a Chippendale style chair. Keep in mind that very few ribband back chairs survived from the 18th century. Be wary when someone tells you that they have one.

Reproductions Versus Antiques.

You can tell modern reproductions from the real thing by looking closely at the carving. Is it uniform in depth and symmetrical? If so, its a modern reproduction. Antique Chippendales would be hand carved which is irregular in depth and never exactly symmetrical because its virtually impossible for even a master artisan to achieve it.

Pricing.

Any Chippendale 18th century chair whether it was made by Thomas Chippendale himself or one of his contemporaries will cost several thousands of dollars. If its not in that price range, its most likely not 18th century. Even high quality modern reproductions can be pricey.

Now I am going to tell you why I wear an authentic Ravens jersey when it's Monday Night Football.

More than ten years ago the Cleveland Browns moved from Cleveland to Baltimore and that was probably the best move the owners could possible have made.

Since the franchise became the Baltimore Ravens, they have won the trophy that all football players want to win - the SuperBowl. As a nice bonus they have also been able to sell more tickets than they ever did before, and the people in Baltimore love them.

Even me likes them and I am not even from Baltimore.

This usually doesnt happen to me, but I saw them on TV one night when they were down, but they fought back and turned the game around in a way that gave me the chills.

Since that day I have always cheered for the Baltimore Ravens and that's the reason why I'm wearing my authentic Ravens jersey when watching Monday Night Football.

Does it sound too childish?

When you put a Raven jersey on a fan, this is what happens though. You grow a foot and you feel that you are strong enough to make the Raven's starting lineup.

"If I only had got the chance, I would have showed them all..."

This is what makes football so beautiful. Men can feel like boys again and you forget about everything else until the game is over.

You are happy.

When designing a kitchen, most people focus tightly on organization and efficiency. While those truly are important considerations, don't forget to give your kitchen a personality as well as functionality. One classic kitchen decorating theme is the French country look.

A French country kitchen makes you feel as if you have just walked into a cottage in rural France. Such a kitchen reflects a joy of living and importance of family and friends. Whether you live in a high-rise urban condominium or a split-level in the suburbs, you can bring the warmth and beauty of the French countryside to your own kitchen. The combination of many small touches is what gives a French country kitchen its vibrant, romantic feel.

Color plays a major role in a French country kitchen. If you stepped into the kitchen of a French country cottage, you would probably find walls painted either a butter or mustard yellow, with cupboards painted cornflower blue or even salmon pink. Of course, you could choose to make your walls blue and use the lighter shades as accents.

In the country kitchens of France, natural light is part of the decor. Window dressings are often simple Roman shades. Fabric choices range from canvas to toile, solid to stripped or even prints of fruits, vegetables, or herbs. Speaking of herbs, one simple French country detail is the presence of lavender. Hang a bunch of dried lavender from a hook on the ceiling or the wall, or stand a clump in a wall vase, and you'll bring the scent of the French countryside into your kitchen.

Accessories for a French country kitchen are almost always functional. A tall terra cotta or copper vase serves as countertop storage for spatulas and other cooking utensils. Open, freestanding racks made of copper or wrought iron hold plants as well as placemats, napkins, and serving bowls. Ceramic trivets with rooster or herb designs can be displayed on walls when not in use on the table.

A plain, pine work table doubles as a place for family and friends to gather for meals or simply to socialize. Be sure to choose a size table that won't interrupt the traffic flow in your kitchen. If you have a very small galley style kitchen, you might want to skip this element. In the kitchen, the difference between cramped and cozy is enough to ruin any mood.

Since French country kitchens are small by nature, their owners make the best use of every possible space. Instead of traditional cabinets they often opt for vertical storage. Wrought iron ceiling racks keep frequently used pots and pans handy. Pot racks are very popular in kitchens around the world, and are therefore easy to find. In fact, you'll be surprised at the wide range of styles and sizes available. You can achieve the French country look even if your kitchen doesn't lend itself to an overhead pot rack. Strong hooks on the wall or on a solid core door will give save cabinet space and add to the country feel of your kitchen.

Additional information, resources, and updates for this article can be found at:http://www.diyhomedecorating.com/articles/2005-10/202/french-country-kitchen-decorating/