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An iPhone camera is one of the top-quality smartphone cameras you can bring around. But there are times that your iPhone camera lens can't fully handle the shooting environments. You want to use a wide-angle lens for your iPhone to extend the field of view of your camera's scope. A wide-angle lens gives you a fresh perspective. Or if you shoot a faraway subject, you want to use a telephoto lens to transform your otherwise pixelated images into clear and crisp shots. This lens gives an extra boost to your camera's optical zoom. It does this without degrading your image, which happens when you use digital zoom.
These are just a few of the reasons you might want to use an iPhone camera lens attachment. In fact, if you want a less expensive way to shoot prints, an iPhone camera lens is the investment you need to make. It's affordable. It's easily available online. It's also easy to install, so the convenience of having such lens instead of an actual DSLR lens is unmatched.
However, not all camera lenses are worth your money. In this article, I will tell you 10 of the most promising iPhone camera lenses that you can buy online today. I will also share some of the tips to consider to help you find the appropriate, stylish and most value-for-money iPhone camera lens in the market. This article is especially useful for mobile photography enthusiasts who are first-time users of a camera lens. Those who have tried installing an iPhone lens already will also find a lot of useful tips in this guide. So why not stay with us and read the rest of this guide now?
Table of Contents
- Types of iPhone Lens Attachment
- Moment: Best Camera Lenses for iPhone 7/8 & 7/8 Plus
- Olloclip: Best Camera Lenses for iPhone 8/8 Plus and 7/7 Plus
- Best Camera Lens for iPhone X
- Best Budget Camera Lens for iPhone
- How to Pick an iPhone Camera Lens
- Other Camera Lenses for iPhone Photography
Types of iPhone Lens Attachment
Before I go right deep into the top 10 best iPhone camera lenses, you might want to read first about the different types of iPhone camera lens, and where they are more suitable to use.
Wide-angle iPhone Camera Lens
The main use of a wide-angle camera lens is to get more subjects in your photo. A standard iPhone camera is smaller in scope without the lens. This means a wide-angle iPhone lens would be ideal for shooting landscape scenes in panorama mode.
Telephoto iPhone Camera Lens
What this lens does is make your subjects look closer to you. When you want photos with large magnification numbers to appear smaller than they are, you need this lens. It's also suitable to use this lens for a more flattering touch for your portrait photo. Because your facial features get enhanced using this type, your face will look natural.
Fisheye iPhone Camera Lens
This iPhone lens can help you create dramatic images. You can also make them spherical and more detailed as well as create stylish corners and distortions with this lens. This is fantastic for trendy casual smartphone shooters. If your goal is to create a style, then this is the lens to turn your day around.
Macro iPhone Camera Lens
What this lens does is to magnify subjects. You would have to keep this lens still, though, to magnify objects that might be too small for a regular iPhone camera. If you have still hands and you want to take photos of still insects or a raindrop on a leaf, then knock yourself out with this type of lens.
Moment: Best Camera Lenses for iPhone 7/8 & 7/8 Plus
Moment New Wide Lens
Lens type: Wide-angle lens
Touted as the best wide lens that Moment has ever made, this is rated as the best wide-angle lens in many gadget review websites. It's hard to disagree with this claim. With the lens' tested ability to fit the full majestic grandeur of landscapes, you'd never forget to bring this with you in your outdoor trips. The ability of this lens to capture a wider number of people in a shot makes this also an essential item to bring during family reunions. This lens' spherical design is also made from cinema-quality industry-grade glass, which guarantees only the best image results in every shoot.
Why you should buy and when to use
Moment's New Wide Lens is the one if you want to buy just one lens. This wide-angle lens has already been trusted by plenty mobile photographers. The wide-angle design allows your phone to capture 2x more picture with little distortion and no vignetting (unlike many cheap wide-angle camera lenses on the market). You can use this wide-angle lens during family reunions, trips with your friends or any event that requires you to capture in one image more than is allowed by the iPhone.
- Captures 2x more picture.
- Only a few iPhone camera lenses out there that can match this one's great quality.
- It's easy to use and install.
- Priced at around $99.99, you might need a little bit of time to decide whether to invest in this lens if you're only going to use it once.
- Needs a Moment phone case to mount to, which is sold separately.
Moment New Tele Lens
Lens type: Telephoto lens
The outstanding thing about Moment's New Tele Lens is that it's made for both mobile photographers and advanced filmmakers. With its award-winning glass and new metal body that allows for amazing portraits, you can always have your images sharp in the center with a natural drop-off in its edges. With 2x more picture in each capture, you can rely on this lens for all types of scenes. You need to attach the lens to a Moment phone case (sold separately).
Why you should buy and when to use
You should buy this if only for the fact that many tech blogs have rated it the no. 1 best iPhone camera lens. You are able to use this lens when you're out taking portrait photos that give you the natural depth of field. Or you can use the lens when you're out capturing real estate photos for your business or for your outdoor travel where you want to capture as much panoramic view as you can.
- Highly rated by photographers and tech bloggers.
- Built with aerospace grade metal and the same hand-polished glass used for high-end 4K film lenses.
- Not cheap, but you pay for the quality.
- Need to buy a Moment photo case to attach the lens.
Olloclip: Best Camera Lenses for iPhone 8/8 Plus and 7/7 Plus
Olloclip Core Lens Set
Lens type: fisheye, super-wide and macro lenses
You might be a lot more interested in buying this lens kit if you knew that it's one of the world's most-awarded iPhone lenses. Olloclip really went with it in patenting the beautiful and nifty design of this lens, reaching about 100 patents to make sure that its classy glass quality design is protected. Gadget reviewers have already acknowledged this lens' superior optical design.
This lens set doesn't also require you to bring additional bulky parts to be able to use it. No need for glue or bracket mount to use this lens. With its 360-degree feature, you can be sure to shoot landscape scenes and even scenes that you can use for your VR box. Group selfies are also a piece of cake when you have FaceTime with this lens.
Why you should buy and when to use
You should buy this if you want a trusted-by-authorities iPhone camera lens kit that has most of the types of lens you need without the need for additional bulky clips and parts. If it's quality and multiple-people FaceTime that you want to prioritize, then you should go for this lens kit no questions asked.
- Fisheye, super-wide and macro 15x lenses are combined into one compact system.
- Selfie-ready on both front and rear-facing cameras.
- The images may show some distortion and loss of detail.
- You also won't be able to use this lens while you have the case protector for your iPhone 7/8 and 7/8 Plus.
Olloclip Active Lens Set
Lens type: Telephoto and wide-angle
This camera lens set is made exclusively for iPhone 7/8 and iPhone 7/8 Plus. With this lenses' improved optics made with premium and multi-element glass coating, you can now guarantee a superior image quality in every shot you make. You may also like the easy-to-use patented design of this iPhone camera lens that's made specially to make its installation very intuitive and hassle-free. You don't need extra parts. You don't need to learn how to use it. Because of its selfie-ready option, you can now create stunning images both for front and back camera just in one clip and click.
Why you should buy and when to use
You may want to buy this lens kit if you're upgrading to a larger sized iPhone (iPhone 7 Plus or 8 Plus), and you still want to use the camera lens for your previous iPhone 7 and 8. You can use this lens kit for all wide-angle and telephoto purposes. What makes this kit extra special is the fact that Olloclip is one of the few trusted brands in the market that have designed outstanding lenses for the iPhone.
- This set has a hinged base that keeps the lens system secure for optimal performance.
- The pendant stand that comes with it can also act as a reliable tripod stand.
- Using the lens will require you to take away the case first before you can use the wide-angle selfie. So if you're looking to keep your iPhone protected by a case while using these lenses, then you'll have a problem with this lens.
Best Camera Lens for iPhone X
Sandmarc Wide Lens Edition
Lens type: Wide-angle lens
If you want to turn your iPhone X into a DSLR without spending more than a hundred bucks and without carrying heavy parts and bulky mounting equipment, the Sandmarc Wide Lens Edition is definitely for you. Made from premium multi-coated optics, this lens will not only make you look professional in your shots, but will give you years of fun and enjoyment from the 2x wider field of view in the shots you will take.
Why you should buy and when to use
You should buy this when you want to make your shots look more professional without buying into the hype of getting a new iPhone model that in three months will be outdated. Buy this wide-angle lens when you're planning to go for a trip overseas or if you want to do sports or outdoor photography. This is also ideal if you want to take professional photos, but you're still not ready to invest in an expensive lens.
I will keep you updated for the pros and cons of this iPhone camera lens.
Best Budget Camera Lens for iPhone
AMIR Camera Lens Kit
Lens type: Fisheye, macro, and wide-angle lenses
What makes this lens set stand out is the price. It costs less than $20 on Amazon, and has been rated a series of 5 stars and listed as a best seller. The lenses stand out not just because of affordability, but the high-class glass and the versatility give its extra popular appeal.
This lens set comes with a super-wide lens (0.4x magnification), a 180° fisheye lens and a 10x macro lens. Gorgeous, crisp and high-quality close-ups would not be a problem with this lens set. It's also good that the fisheye and macro lenses are screwed together, so you won't be having problems with missing them.
Why you should buy and when to use
You can't get wrong with the Amir lens kit if you're looking for an affordable and multi-purpose lens. Next time before you travel somewhere, put this iPhone camera lens kit into your backpack. You can use different lenses for food, landscapes, portraits, architecture.
- Fisheye, macro, and wide-angle lenses packed in one kit.
- Very affordable.
- A bit plastic-looking.
- Less crisp images.
How to Pick an iPhone Camera Lens
These are some of the factors that you should consider when you're looking for the best iPhone camera lens: the lens type, the purpose, and the price. You should already know by now the differences between the types. You can't really use a wide-angle lens for a purpose that only a fisheye lens can do. Same with other types.
Before buying an iPhone lens, you should know the purpose of your purchase. Are you investing in a lens for mobile photography, or just buying the lens for a stylish and fun way to take a selfie? Deciding where you're going to use the lens will save you a few extra dollars because the lesser the number of features of the lens, the more affordable it is.
To understand better the issue of price, you should remember that by purchasing a cheaper lens, your final images will be less sharp in quality and less rich in details. That's the price and drawback you picked for the cheaper lens. That doesn't mean that lowered prices are all low-quality lenses. Most affordable lenses are just priced low because they can't offer the more advanced features that others have. The more reliable and advanced the technology used for the lens, the higher is its price, as you can see from the lenses made by Moment and Olloclip. If you're looking for higher quality images, you may want to invest in a superior lens, particularly the ones we listed above.
Of course, this goes without saying that before you pick the lens for you, make sure you know the iPhone model you're using it first. Some lenses don't work for a certain model, while others are compatible across all models. Regardless of what type of iPhone camera lens you choose, make sure that you have considered all the factors I stated here before shelling out that hard-earned money you saved.
Other Camera Lenses for iPhone Photography
If you want to avoid the decision fatigue that comes with having so many options in front of you, then consider the list I wrote here as your only guide to picking which iPhone lens to buy. Period. Don't read anywhere else. Trust me. You will only get the same results and decision even after sprawling the internet for the best product descriptions of the iPhone lens that you need. The best iPhone camera lenses today are the ones you can already buy right now without wasting too much time reading for more guides. I hope what I just presented to you here is useful for you.
Last update on 2019-10-21 / Affiliate links / Images from Amazon Product Advertising API


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Operation manuals
Here you will find all available documents associated with your appliances. To download the correct user manual, please enter the appliance number (e.g. BO 486 111) or 'E-Nr' number which can be found on the appliance itself. To find where the E-Nr number is located, please use our 'E-Nr finder' below. Alternatively you can simply contact us here .

subset: commoncrawl


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It seems daunting. It always does. And sometimes, you admit, you let that get the best of you. You give up. You don't even try. But not today. Today, you got this. Today is your day.
I looked back over the last 32 blog posts and realized they all had something in common – they started as being about me and eventually I might get to a larger, more useful point. This morning, on my run, I realized I've been selfish. I realized that if you are reading this, it's probably not because you have some deep curiosity or schadenfruede-fueled fascination with me or my struggle. Or, maybe you do, but the only reason you might is because you recognize, in me, something you might be dealing with.
I was having a conversation with my friend Bridget this weekend. She's awesome- everyone pretty much agrees on that- and she told me she likes checking in on this blog because it's like a little pick-me-up for her week. She's got three great kids, a great husband, a busy life. Yet, what strikes me is that, despite the pressures of schedule, responsibility, obligation and aspiration, Bridget has a way of being there for you when you need her… sometimes before you even realized you need her.
My friends Krista and Tony are the same way. They show up. But, more than that, they go out of their way for people in their lives. I've been lucky enough to be on the receiving end of all of their generosity and caring on more than one occasion. And on this morning's run, I wondered how I could show up for people.
So that's why this blog is for you, the reader. It's Monday, the day after the Super Bowl. We return to our busy lives, our uphill struggles, our Sisyphusian journey up the mountain of work, life, family, friendships, victory and loss. I thought maybe you could use a little encouragement, a little early week pick-me-up. So here it goes:
You've got this. No matter how long your to-do list or how heavy your heart, you've got this. You're ready. It doesn't matter how scared or panicked you are; it doesn't matter the weight of the dread that faces you, attack it. Get after it. Get it done and out of the way. You'll feel better if you go for it now and have time later to look back and be relieved than the other way around. You're tired. You're not feeling great. Maybe that extra helping of Buffalo dip has got your stomach in knots. Maybe that's just the feeling of worry about things to come. Either way, it's not real. See worry and stress, obligation and responsibility, your list and schedule for what they really are: tasks. Tasks don't judge you. Tasks don't stop you. They just need to get out of the way.
Go out there and do your run, get through your exercise. It never takes as long as you think and you've already worried about it for too long.
Attack your list. Find a small win and get it done first. Then another. And another. You'll be done before you know it.
You're schedule is a bear. You have to be in too many places at once. Crank up the tunes in the car on your way. Hum Toto's "Africa." Whistle while you work. The items on your calendar can all be accomplished. If they aren't important – really important – let them go.
You've got this because the people involved need you. They need you healthy and strong. They need you happy and rested. You've got this because the you eight hours from now needs to be able to look back at the day and think 'damn, I nailed that.' You don't want you in eight hours to look back and say 'what did I do?' You've got this.
We tend to look at life as a series of big accomplishments. Getting married. Having kids. Their first communion and graduation. Sending them off to college. Retirement. Those are not accomplishments, they are markers. Accomplishments are small. You got the laundry done. You cleared you're inbox. You made it on time to every meeting and every call. You laughed along the way. You rocked out in the car. You connected with a friend. Don't save the celebration for the big stuff. Celebrate every check mark on your list, every meeting on your calendar.
You've got this.
Take a minute right now – seriously, right now – and realize what you've already done. You got out of bed. You hit the ground running. You got the kids out the door and made it through your commute. Be impressed with yourself and make a plan to be impressed when you go to bed. Don't think about everything you have to do this week. Don't weigh your mind down. Think about how you'll use the next hour. Then the one after that. Before you know it, everything will be done. Every item checked off. Every responsibility taken care of.
Then take a moment to reflect, to celebrate, to pat yourself on the back. Today was better than you expected. Tomorrow will be better still.
You've got this. I know you do. You've got this and that's worth celebrating. And if you need a little help, watch this and then get back at it:


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HILLSBORO, Oregon – The Logger softball team swept their doubleheader with Pacific on Saturday evening. Puget Sound won the first game, 5-2, in nine innings, before earning a 6-4 victory in the nightcap.
Jessica Gott led the way for the Loggers (5-4, 2-1 NWC), going 5-for-9 in the two games, including a three-run home run in the top of the ninth inning which proved the difference in the first game. Kaitlyn Webster (1-for-8) also hit a home run, driving in two runs. Kristi Nagamine (3-for-7) recorded two runs batted in, while Jenna Llamas (1-for-8), Erica Gott (3-for-9), and Haley Gray (3-for-6) all drove in a run on the day.
Puget Sound 5, Pacific 2 (9 innings)
Pacific (2-12, 0-4 NWC) jumped on top, taking a 2-0 lead in the bottom of the first inning. In the fourth inning, the Loggers tied things up. After Jessica Gott singled, Kaitlyn Webster hammered a pitch over the left field fence for her first career home run. Later in the inning, a one hour rain delay occurred.
After returning to play, neither team was able to muster any runs, and the two teams moved into extra innings. In the top of the ninth inning, Kristi Nagamine led off with a single, and Amber Popovich followed that up with a single of her own. After two fielder's choices, Jessica Gott came up to bat with two Loggers on base. Gott sent a pitch over the center field wall for her first home run of the season, giving Puget Sound a 5-2 lead. The Loggers played solid defense in the bottom of the half, not allowing a base runner, to clinch the victory.
Jaci Young (2-1) earned the complete game victory, throwing 9.0 innings. She gave up two runs, while striking out three batters.
Puget Sound 6, Pacific 4
The Loggers took an early lead in the second game, going up 1-0 in the first inning on an RBI single by Jessica Gott. Pacific answered back in the bottom of the first to tie the game, 1-1, but Puget Sound again took the lead in the second inning when Nagamine hit a two RBI single.
In the fifth inning, the Loggers increased their lead to 4-1, when Haley Gray hit a RBI groundout to score Erica Gott. Pacific again responded, narrowing the gap to 4-3 in the bottom of the fifth inning.
Puget Sound added two runs on an RBI groundout by Jenna Llamas and a RBI single by Erica Gott in the sixth inning. The Boxers were able to get one run back in the sixth, but the Loggers ultimately pulled out the win.
Erica Gott (2-2) earned the complete game victory for the Loggers. She gave up four runs (three earned) while striking out three.
Follow the Loggers on Instagram | @PSloggers
Follow the Loggers on Twitter | @PSloggers
Like the Loggers on Facebook | Facebook.com/PSloggers


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Our Annual Fashion Show took place in The Woodlands House Hotel in Adare on Wednesday, 11th March 2015. This is the 8th year of the Fashion Show and is one of the highlights of the school year. It is organised by our Fashion Show Committee which was led this year by Evelyn Adams and Siobhan Coonerty and a team of 20 parents.
The hard work of the Committee begins in December. The show has a number of purposes including Fundraising, a Social Event for parents that is enjoyable and it also gives all our Transition Year students to show current fashions with professional models from Glamour the Agency.
Four hundred people attended this year and the profit of €9,000 will be used to fund projects in the school in terms of teaching resources, renovating classrooms and small projects that will enhance facilities for all our students.
A special word of thanks to all our sponsors for their generosity in advertising in our Fashion Show brochure 'Passion for Fashion', our sponsors of fabulous prizes for the raffle where twenty five prizes were given out on the night including hotel breaks, restaurant vouchers and boutique vouchers for fashion. Thanks also to the Fashion Show Committee for their trojan work, Lorcan Murray from Lyric FM who was MC for the night and all the parents, teachers and students who modelled or attended on the night and supported us so generously.
Our next fundraising event is our Annual Golf Classic which takes place in Charleville Golf Club on Friday, 8th May 2015. If you would like to play or sponsor a team or even sponsor a tee please contact the school office on 061-393105.


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Winter is over. It's time to shake out the kinks: hit a few balls, scoop up a few grounders, run the bases and try to throw the ball from left field to home plate. That kind of thing is what I did this week on a visit to Duke University's Conservation Services Lab. Thanks to Tanya Zanish-Belcher for encouraging me and to Beth Doyle, the Leona B. Carpenter Senior Conservator and Head, for arranging the training. I was fortunate to have an afternoon with Erin Hammeke, Conservator for Special Collections and the Conservation staff (Tedd Anderson, Rachel Penniman, and Mary Yordy). For me, the afternoon was wonderful and a time to talk turkey with like-minded people.
Erin began with an overview of the types of leather encountered on books from various regions: sheep and calf for American and English bindings; calf and pig for German; goat for Spanish and Italian bindings. Erin advised us to consider the type of leather before attempting a repair as well as using a leather consolidant,like Klucel G (which is the one I use). She then demonstrated sharpening her lifting knife on a leather strop and proceeded to lift the leather from the spine of a book. We all the a chance to practice on discarded books.
Erin demonstrated three techniques for joining loose boards to a leather bound book. These methods are the Etherington tissue hinge( Etherington 1995, 2006), which I have been using, and which employs Japanese tissue internally and externally to re-attach loose boards.
The second method, board tacketing (Espinosa and Barrios 1991) is a technique which involves drilling small holes through the shoulder and loose board of a book and joining them with linen thread.
The third method is the Brock hinge (Brock 2001, 2006) which uses a piece of cloth, attached at the head and tail of a book to strengthen the board attachment.
Following this, Mary Yordy demonstrated a technique that she developed to reinforce the head or tail of a leather bound book. This technique, which uses L-shaped pieces of Japanese paper glued inside the spine, should be very useful when a book is in tact but has a partially damaged spine.
This was a very enlightening and useful training day. I learned some great techniques, discovered a few new tools and materials, and met new friends. Thank you Duke Conservation!


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The iService forms interface is a relatively new component of iService that was introduced last year. We still struggle with calling this component "Forms", because it is much more powerful than a traditional web form. In fact, it represents a significant part of the future product road map for iService.
read more..
Just a few of the customer focused companies that trust iService to power their online service and marketing needs.


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Late last night, just minutes from an impending government shutdown, congressional negotiators and President Obama reached a deal to fund the government for the rest of the fiscal year, cutting $38.5 billion under current funding levels, per Republican demands. House Speaker John Boehner (R-OH) and other Republicans hailed the deal as an important step to reining in the deficit. In a speech addressing the deal, Obama compared the compromise to the one he helped broker late last year on extending the Bush tax cuts for two years.
But a look at those two deals suggests Republicans are not as interested in cutting the deficit as they claim. In both cases, Democrats made big concessions on key Republican agenda items — tax and spending cuts — in the face of intransigent opposition from the GOP. But while the appropriations deal from last night cuts $38.5 billion in spending over the next six months (through the end of the fiscal year in September), the tax cut deal deprives the government of roughly $150 billion in revenue over a similar period of time.
Extending the Bush tax cuts "would result in a $200 billion to $300 billion cost to the US Treasury compared to what had been expected" in one year — or $100 to $150 billion in six months. So while they very nearly shut down the government to extract painful spending cuts, Republicans had already wiped out those spending cuts many times over with the revenue lost from extending the Bush tax cuts.


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Corporate Actions Reports Service
Prepare for upcoming events affecting your portfolio by using SIX Financial Information's Corporate Actions Reports Service (CARS).
CARS allows clients to receive notifications of events taking place on their portfolio in advance of the event. This allows clients to plan ahead and to cut down on the number of potentially missed announcements.
CARS provides customers with a highly flexible tool and reports can be provided in a number of different formats. The service monitors an agreed number of event types and outputs an agreed number of data fields, ensuring that you receive only data that is relevant to your needs.
CARS is delivered to clients in a flat (csv) file and combines instrument identifiers with human-readable information. This allows the report to be either uploaded easily into workflow systems or opened as a simple spreadsheet for manual processing.


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In addition to other services, Nor Electronics manufacture tailor-made components and equipment.
Read more...
During years of system supply, Nor Electronics has gained experience for providing in-detail engineering and documentation for the systems supplied, including basic design, detailed design, construction documentation, installation documentation and documentation for operation. The engineering activities include all interface design related to other disciplines and include documentation for training if required. Our involvement typically starts with requirements analysis and ends with documentation and delivery to start-up and training.
We are supporting all customer which requests reliable support with dedicated Service Agreement Contract, with 24/7 duty telephone and with spare part stock for immediate shipping. In case of questions or need of help regarding a NOR system, please contact our technical support center. As a customer of Nor Electronics, you are assured of our continued commitment. In the event of a problem, our service desk will handle your call efficiently and arrange for one of our service engineers to contact you. We carry a large range of spare parts and loan equipment to keep most systems up and running smoothly and in the event of something needing in depth repairs, our fully equipped electronics workshop can deal with most items quickly and comprehensively.
We arrange on customer demand training courses for our NOR PAGA systems. The training courses normally last 2 days and covers basic knowledge for normal maintenance and troubleshooting. All courses are specially made for each customer and the training is adapted to their particular system design. All courses ends up with a training certificate.
Stipa Sound Coverage Assessment. We offer STIPA audio coverage measurement. We do this as a part of the setup of PAGA systems. Both as initial services of a project and for quality check on site after installation is done. In addition we offer general sound measurement for companies or projects that need documentation on sound/voice levels. Speech Intelligibility. Public address systems in building complexes have to inform persons about escape directions in case of emergency. Such public buildings include airports, railway stations, shopping centers or concert halls.
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Girls Clothes Hangers Details About Fantasy Fields Childrens Pink 4 Kids Wooden Room W 7482a1
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Watch in the next few weeks as the final touches are put on our bright, open new children's room. Please join us for the official grand opening on Saturday, June 18th at 1:00 pm. This beautiful new space has been made possible by the City of Summit Common Council, the Summit Free Public Library Foundation and donations from many Summit residents. Contributions are still welcome and will help us complete this wonderful project. You may donate by mailing a check made out to the Summit Free Public Library Foundation to 75 Maple Street, Summit, NJ 07901, by dropping off a check at the library or online using a credit/debit card at www.summitlibrary.org/about-the-library/support-the-library/summit-library-foundation.
The Youth Services Department will be kicking off the big summer reading program immediately after the grand opening celebration at 2:00 pm on June 18th. Mrs. Wheeless, with the assistance of some of Summit's talented children, will be presenting a play entitledFriends.com(edy). Stick around for this fun program and then be sure to sign up for the summer reading incentive program On Your Mark, Get Set…Read!
This year, summer reading is not just for kids! We're letting the adults in on the fun too. Check out how to participate for prizes like the kids.
Be sure to join the Friends of the Summit Library for a business meeting on Tuesday, June 14th at 7:00 pm immediately followed by a presentation by Star Ledger columnist and author Mark Di Ionno at 7:30 pm. Di Ionno is a four-time winner of the New Jersey Press Association Award for column writing, a Pulitzer-prize finalist, and New Jersey native. HomeTowne TV's John Serruto will lead a discussion with Di Ionno on a wide range of topics, from local Revolutionary War history to the current state of politics and media. The program is free and open to all. If you are not currently a member of the Friends of the Library, please consider joining. Your membership helps the Friends support programs like this as well as the very popular museum pass program, selected children's events and more.The Friends will be sponsoring another digital conversion drop-off as a fundraiser. See the article below for details. Remember, everyone needs friends, even libraries.
Mark your calendar for Wednesday, July 13th at 7:00 pm for the Summit Library's third annual Shakespeare on the Green performance. This year the Hudson Shakespeare Company will be performingEdward III. Watch for more information next month.
Regular library hours are Monday through Thursday – 9:00 am to 9:00 pm, Friday and Saturday – 9:00 am – 5:00 pm and Sunday 1:00 – 5:00 pm.
Summer library hours will begin on July 1st. The drive-up materials return bins located in the municipal parking lot adjacent to Cedar Street are open 24 hours a day. The library website and catalog are also available 24 hours a day at www.summitlibrary.org. Remember you can check out an eBook or eAudiobook from the library catalog through the website 24/7.
Susan Permahos, Director
Summit Free Public Library


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mBank DGK
More than 27 years ago began operations BRE Bank - one of the first banks in Poland specializing in services for enterprises. Over the years, the bank built its expertise in the field of corporate clients. In 1996, he expanded its range of private banking services, and in 2000 expanded her retail banking. First came the Internet mBank, then operating in the traditional banking model Multibank.


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Bridger Flannel Button Down by United By Blue - every item sold removes 1lb of trash from our oceans and waterways
"Best eco friendly flannel" - Business Insider
We've been putting our flannels to the test for years. A few findings about our Bridger Flannel: its organic cotton/recycled poly/spandex blend gets softer with every wear; it's the perfect base layer; the all-natural corozo buttons are a no-fail conversation starter.
6.7 oz yarn-dyed double brushed flannel
Full button down placket
Box pleat at center back yoke
Button down collar
Dual chest pockets with button closure
Adjustable button cuffs
Care + Content
59% organic cotton, 39% recycled polyester, 2% spandex
Natural corozo buttons
Machine wash cold
Do not bleach
Tumble dry low
A regular, classic fit that is true to size, take your normal size.


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My daughter took her kids out of school last year under religious exemption. The kids are 7 & 9. The homeschooling didn't go well mainly because the kids are somewhat undisciplined and they just would not do any school work,etc. Just wanted to play,etc. SO...she is now planning to send them back to school.She dreads this as she doesn't like the school
environment and also the kids do not want to return. But they can't just sit around and learn nothing.....
My question is....if things get too bad and she takes them out again,can she take them out again under religious exemption??? The state is Virginia.
Thanks so much for your help.
Religious exemption
Find or post information on the legal aspects of homeschooling in your state.
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Religious exemption
The eternal God is thy refuge,and underneath are the everlasting arms.
I doubt there's a statute saying "Thou shalt only use thine religious exemption once." She should be just fine taking her kids out of school again, if it comes to that.
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Comptoir des Cotonniers is celebrating its 15th anniversary.
To mark the occasion, the French firm, well known for its stylish trench coats, is inviting all its female fans to create a dream version of this iconic garment, with a chance to win a $1,250 gift certificate to spend at their local Comptoir des Cotonniers store.
For Americans, those stores would be in Greenwich, Conn. or Manhattan's SoHo District. Bloomingdale's New York City flagship also features the Comptoir des Cotonniers collection.
Anyway, the contest deadline is Monday, Sept. 6, 2010.
For application forms and instructions, click here.


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Question 54.
What believest thou concerning the "holy catholic church" of Christ?
Answer. That the Son of God [a] from the [b] beginning to the end of the world, gathers, [c] defends, and [d] preserves to himself by his [e] Spirit and word, out of the [f] whole human race, a [g] church chosen to everlasting life, agreeing in true faith; and that I am and for ever shall remain, a [h] living member thereof.
Question 55.
What do you understand by "the communion of saints"?
Answer. First, that all and every one, who believes, being members of Christ, are in common, [i] partakers of him, and of all his riches and gifts; secondly, that every one must know it to be his duty, readily and [j] cheerfully to employ his gifts, for the advantage and salvation of other members.
Question 56.
What believest thou concerning "the forgiveness of sins"?
Answer. That God, for the sake of [k] Christ's satisfaction will no more [l] remember my sins, neither my corrupt nature, against which I have to struggle all my life long; but will graciously impute to me the righteousness of Christ; that I may never be [m] condemned before the tribunal of God.
[a]: John 10:11
[b]: Gen. 26:4
[c]: Rom. 9:24; Eph. 1:10
[d]: John 10:16
[e]: Isa. 59:12
[f]: Deut 10:14,15
[g]: Acts 13:48
[h]: 1Cor. 1:8,9; Rom. 8:35ff
[i]: John 1:3,4; Rom. 8:32; 1Cor. 12:13
[j]: 1Cor. 12:13
[j]: 1Cor. 13:5; Phil. 2:4,5,6
[k]: 1John 2:2; 2Cor. 5:19,21
[l]: Jer. 31:34; Psa. 103:3,4,10,11; Rom. 8:1,2,3
[m]: John 3:18


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Jubilee Recommends: Randazzo's Clam Bar in Sheepshead Bay, Brooklyn
Originally published July 2011
I wanted to write about Randazzo's clam bar in Sheepshead Bay, Brooklyn because it is my absolute favorite restaurant in New York, and I have been going here since I was 2 years old.
I used to call clams "mice" because I guess I thought they looked like mouse ears. All of the waitresses have also been there since I was 2 years old, and they are usually really rude in a funny way and will ask "what do you want," but then call you "Sweetie" 10 minutes later.
I usually get the steamed clams because again, that's what I have been getting my whole life, but I also love their baked clams and calamari. Last time I was there, I tried one of their stuffed fish specials and it was amazing. Everyone in there looks like they are out of an old New York movie with a lot of V-necks with chest hair sticking out and gold chains. There's also a lot of lip liner.
Jubilee is a Brooklyn based DJ, producer, label gal and radio host.


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Basic Guidelines For English SpellingsREAD THESE ARTICLES
1A family of birds or other young animals produced at one hatching or birth.'a brood of chicks'
offspring, young, progeny, spawnView synonyms
- 'Within three days of birth a brood of young may have been led a distance of almost a mile.'
- 'The first nest containing a brood of tiny young was found in a slight depression in the ground beneath birches.'
- 'Competition between siblings for resources is widespread in the broods of altricial birds.'
- 'The male usually remains near the nest until incubation begins, and rarely stays with the brood once they hatch.'
- 'Specifically, if females respond adaptively to changes in population density, they should produce large broods of small young at low density and small broods of large young at high density.'
- 'A total of seven males stayed that long and would have successfully hatched their broods.'
- 'Unlike in unmanipulated broods, hatch date did not affect the survival of experimental chicks.'
- 'In the summer of 1992, and apparently for the first time, two pairs of splendid great crested grebes successfully bred on the river in the city centre rearing broods of young.'
- 'One family had raised a brood of chicks in mid-July, and they had already grown quite a bit by this time.'
- 'Limited observational and experimental studies of birds indicate that smaller broods are more often deserted.'
- 'The birds prospecting for nesting sites were most attracted to areas where other birds had large broods of robust infants.'
- 'He incubates the eggs for around 23 days and tends the brood after they hatch.'
- 'Increased predation affects the survival of nests and broods immediately after hatching, when the chance of total loss is highest.'
- 'Why, then, would a female Louisiana waterthrush on this densely wooded stream choose a partner already mated with another female and whose time would have to be divided among the young of two broods?'
- 'My notebook reminds me of the scene: a dabchick swimming across the mere with a brood of tiny young all aboard and peeping from under the parent's wings.'
- 'Helpers are generally young from previous broods that provide care for their parents' offspring.'
- 'In six instances females started with a second clutch only about 1 week after chicks from the first brood had left the nest.'
- 'In birds, the competitive ability of chicks within a brood is strongly influenced by their relative size and developmental stage.'
- 'Both chicks from broods of two were treated similarly.'
- 'I hope their nesting was successful and that they raised a healthy brood of chicks.'
- 1.1informal A large family of children.'she was brought up as part of a brood of eight'
family, household, ménage, clan, tribeView synonyms
- 'She is one of a brood of eight, the majority of whom were female.'
- 'His five sisters and their broods descend each summer creating an instant barrage of family noise.'
- 'Just around the corner from me there is a French infants' school, and the street is clogged with cars each morning as elegant French mothers arrive with their smart little broods.'
- 'This allows me to strike the work-family balance that I have chosen for myself and my little brood.'
- 'After the grandmother and her brood got off, a little fellow was dropped at a house.'
2mass noun Bee or wasp larvae.
- 'Sealed worker brood was taken from the experimental colonies and incubated until adult emergence.'
- 'Efficient concurrent functioning of both the guard and brood stealers is necessary to complete the task of stealing brood.'
- 'In honeybees, worker policing via egg eating enforces functional worker sterility in colonies with a queen and brood.'
- 'We recorded the transport of brood, workers, and the queen to the new nest on videotape.'
- 'Using this form of nest chamber enabled us to count the number of workers and brood in each subcolony without disturbing the nest.'
1no object Think deeply about something that makes one unhappy, angry, or worried.'she had brooded over the subject a thousand times'
worry about, fret about, agonize over, mope over, moon over, languish over, feel despondent about, grieve over, sulk about, eat one's heart out overView synonyms
- 'A severe attack usually coincides with a stinking hangover and can start as early as midday, from whence I will spend the rest of the weekend brooding on the inevitability of Monday morning.'
- ''The day after the defeat is probably the worst, you start brooding on it, on what went wrong,' Ford said.'
- 'Where comedy was once light-hearted, it now seems to have turned into the television equivalent of Gordon Brown, a serious figure brooding on the great issues.'
- 'They seemed to be in a serious mood, perhaps brooding on the deteriorating human behaviour that cannot see that he is cutting the same very branch that he is sitting on.'
- 'But the star had been brooding on his own mortality since the assassination of President John F Kennedy three years earlier.'
- 'On March 12 of 2002 Senator Heffernan delivered a speech in the Senate he'd been brooding on for over a year.'
- 'Shortly after the row with Collins Stewart became public, a year ago this weekend, Middleweek was again brooding on his position.'
- 'Sitting in a pub, brooding on fate's inexplicable blows, he encounters Geoff.'
- 'I gasped, and ever since I have been brooding on the most tactful way to put it.'
- 'Later, brooding on what she witnessed, she steps into traffic and is knocked down.'
- 'Daniel pondered for a while and brooded over his coffee.'
- 'Willie O'Dea sat quietly brooding on what might have been.'
- 'More than 30 years after the end of the war, Westermann was still brooding on the scenes he'd witnessed in the Pacific.'
- 'Her sister was brooding on the bladed gauntlets and their meaning.'
- 'As Cara was brooding on this, she didn't hear someone come up behind her.'
- 'Rather than brooding on the bench, MacMillan studied every pass, tackle, and shot.'
- 'He sat across from her as she sipped the hot chocolate he'd made while she was brooding on the living room sofa.'
- 'Well they couldn't waste any time brooding on this because what if someone saw them?'
- 'Even as they sharpened swords and fitted the armor they had scavenged from the attics of retired soldiers of the village, they brooded over each of those missed opportunities to alter their fate.'
- 'He had several more days of work ahead of him in order to study all of the documents Eliot needed, and the more he brooded over it and regretted his hastiness, the more difficult it would be to concentrate on his work.'
2with object (of a bird) sit on (eggs) to hatch them.'the male pheasant-tailed jacana takes over once the eggs are laid and broods them'
incubate, cover, hatch, sit onView synonyms
- 'Many of the birds are already brooding aquamarine eggs, but some are still in the construction phase.'
- 'All our study birds continued brooding and provisioning their chicks after the removal of telemetry gear.'
- 'Incubation lasts 10 to 16 days; chicks hatch synchronously and are brooded for about 4 days depending on the weather.'
- 'The chicks are virtually naked when they hatch and must be brooded on the parents' feet for about 50 days.'
- 'Parents appear to brood newly hatched chicks for only a few days.'
- 'The eggs are brooded under the tail of the female for about 40 days.'
- 'In the first few days after the young hatch, the female broods the young almost continuously.'
- 'Incubation lasts 10 to 15 days and the altricial chicks are brooded for about 5 to 6 days after hatching.'
- 'Females build the nest, incubate eggs, and brood nestlings, but both sexes choose the nest site and feed offspring.'
- 'Just recently, one of the most amazing fossils ever found was announced - an Oviraptor skeleton preserved brooding a clutch of eggs, just like a bird does.'
- 'When the young hatch, the female broods and the male hunts.'
- 'Once the young hatch, the female broods while the male continues to bring food.'
- 'Once the young hatch, the female broods for 8-10 days and the male bring food to both the female and the young.'
- 'Once the young hatch, the female broods for about two weeks, and the male brings food to both the female and the young.'
- 'After the young hatch, the female broods for 1-2 weeks, and the male continues to provide all food.'
- 'Once the young hatch, the female broods for about three weeks while the male brings food to her and the owlets.'
- 'When the young hatch, the female broods them and the male brings food.'
- 'Once the young hatch, the female broods them for about a week, and then joins the male in providing food for them.'
- 'Once the 3 to 5 eggs hatch, the female broods for about two weeks.'
- 'The female builds the nest and incubates and broods alone, but both parents feed the chicks, which fledge within 14-16 days of hatching.'
- 2.1(of a fish, frog, or invertebrate) hold (developing eggs) within the body.
- 'This sponge broods embryos and larvae at all times, allowing year-round access to biological material.'
- 'Cichlids follow a typical developmental pattern but some species brood the eggs in the mouth while developing.'
- 'A few sea urchins brood their eggs in special pouches, but most provide no parental care.'
- 'Larger species of marine invertebrates that brood their young have evolved special ventilation mechanisms.'
- 'Crinoids are gonochoric and brood their young until the embryo develops into a doliolarian larva or a fully formed juvenile crinoid.'
- 'Fertilized eggs may be brooded for a time or may develop directly into a free-swimming, ciliated planula larva.'
- 'It's the Nursery Fish and like the Seahorse, the male broods the young, but not in a pouch.'
- 'In peracardians, eggs are brooded behind the thorax.'
- 'Like their seahorse relatives, male sea dragons brood the eggs.'
- 'The eggs are usually brooded in ovicells (swollen spherical chambers in which the fertilized egg develops into a larva).'
- 'Many cichlids brood the eggs in the mouth and, although rare, the free-swimming young of some species also rush into the parent's mouth for protection.'
- 'The male broods the eggs and the average brood size is 200.'
(of an animal) kept to be used for breeding.'a brood mare'
- 'For the second successive year Driffield-based hunter breeders Michael and Jeryl Grubb landed the county championship for home-bred brood mares.'
- 'To the rear of Kelgara House brood mares graze in the fields of the neighbouring Meadow Court Stud.'
- 'We ne'er shall look upon her like again, unless we can prevail upon some Bedouin Chief to present us with a brood mare, and then the racing world shall see what a breed we shall introduce into this country.'
- 'Just like humans, Greg advises owners to have their horse's teeth checked every six to eight months if they're being ridden - or every year if the hairy client is retired or a brood mare.'
- 'He's in his seventies now and it was just towards the end of his life that he came across good pedigrees, and they're the brood mares we've held on to.'
- 'And we know the importance of selecting a brood mare for an heir to the throne.'
- 'She also finds homes for elderly brood dogs from farms in Florida.'
- 'Like 'matrix' of course - how else to get from a brood cow to a rectangular grid of numbers?'
- 'Like Strouf, wheat and barley are his largest sources of income, with a small herd of 60 brood cows and hay encompassing over 2,000 acres.'
- 'At the time when he married Sonia, she was not only ravishing but well provided for, and El Duende could buy more land and notably improve his stock of brood mares.'
- 'I have plans to use her as a brood mare if I can get her to heal.'
- 'She has not been ridden in over 4 years as her previous owners used her as a brood mare.'
- 'It's a huge commitment of time, resources and money to bring a litter of puppies into the world and I don't think that anyone who thinks it will be pure fun and profit should be let near a potential brood bitch.'
- 'Those fish are used as brood fish in the state's restocking program and then released into the wild.'
- 'You have to consider from whence come your brood stock, the animals you're actually working with.'
- 'Clark said biologists will do another steelhead count this week, which may determine if there are enough wild fish in the river to allow the hatchery to catch brood stock.'
- 'Mr Norquoy hopes to acquire new brood stock from among the 24,000 pigeons on display.'
- 'He sold his business and, with his three sons and then wife, packed up a trailer filled with possessions - and 32 roosters and three brood hens - and headed for Oklahoma.'
Old English brōd, of Germanic origin; related to Dutch broed and German Brut, also to breed. The verb was originally used with an object, i.e. 'to nurse (feelings) in the mind' (late 16th century), a figurative use of the idea of a hen nursing chicks under her wings.
Are You Learning English? Here Are Our Top English Tips


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If you've heard of that you can get a free credit score from Capital One, you've heard correct. In this Creditwise review, we'll take a look at what exactly you get when you sign up for Capital One's free credit score platform.
That way, you can make an informed decision. So let's start with the basics.
What is Creditwise?
Creditwise is the name of Capital One's free credit tracking service.
Through Creditwise, anyone (including non customers) can gain access to a VantageScore 3.0. While not as widely use as FICO scores, the VantageScore model is sometimes used by lenders.
Capital One has offered free credit tracking for awhile now. They used to have a service called Credit Tracker that provided credit scores based on one of TransUnion's proprietary models. The VantageScore they offer now is a definite improvement.
However, that's not all they improved when they rebranded this free service.
Our Creditwise Review
For a free service, Creditwise is pretty good.
Compared to other free credit monitoring options, it ranks as one of the best. Part of that comes from their use of the VantageScore 3.0 as opposed to their own model or a score specific to one of the bureaus.
But that's not it.
Best Features
The very best thing about Creditwise is:
Creditwise is completely free and anyone can sign up—whether they are a Capital One Customer or not. There are very few for-profit companies that offer such a valuable service for free.
To top things off, they update scores weekly. Many of the best paid services update on a monthly basis. Creditwise is certainly the only free service that updates your score weekly. This basically puts it in a league of its own.
Since they made the switch to Creditwise, the Capital One free score dashboard is clean and easy to use. In addition to an updated score, it also provides you information on the factors affecting your credit, historical analysis, and credit simulation tool.
All of this information is also available through apps on Android and iOS.
With everything they offer, you can get a really good picture of your current creditworthiness and the steps you can take to improve it.
Still, this begs the question:
Why offer all of this for free?
Capital One uses this free credit monitoring service as a promotional tool. They make this service available to customers and non-customers alike in an effort to increase brand awareness. Given the fact that you're reading this review, it seems to be working.
How to Access Free Credit Scores From Capital One?
If you'd like to sign up for CreditWise, you can do so right here. If you already have an account, you can access it here.
You can download the Android app here and the iOS app here.
Given its no-hassle nature, there is really little reason not to go ahead and sign up or download the the app.
Our Verdict
As far as free credit monitoring services go, CreditWise is one of our favorites.
While we do love the fact that CapitalOne has made such a robust credit monitoring tool free to anyone, we don't suffer from any delusions regarding its significance.
The VantageScore 3 provided by CreditWise is used by some lenders. But you're still better off regarding it as an educational score. Over 90% of lenders use official FICO scores to gauge creditworthiness and other scores rarely match up with FICO scores exactly.
You really should know your real FICO scores if you're in the market for a car or house.
Luckily, many banks and credit card companies now offer FICO scores for free with a consumer credit card account. Discover even offers a free FICO 8 score without any strings attached. Simply sign up with their service like you would Creditwise.
Access to your official credit scores and reports is vital. However, the value of a free educational service like Creditwise cannot be overstated—plus they update it every week.
Ask our advice, we'll tell you to sign up for everything you can. After all, the key to managing your personal finances will always be education.


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There are many Russian Topics at Avantart and it is not easy to find them, as they are part of festival reports, museum pages, band portraits or travellogues. So I decided to compile the russian pages to my russian cosmos
My russian cosmos contends countries and regions, which belonged to Russia, the Soviet Union or the Russian Federation, whose culture is is completely or partially coined by russian culture. So also Ukraine, Altai are included-..
Puschkin / Interstudio
Russian Music
Travels and Travellogues Literature Russian Musicians and Ensembles Potpourri
Pushkin (Carskoe Celo) near St. Peterburg is the home of the Theatre Academy INTERSTUDIO. You can go shopping there or stroll to the Café Trio, take part in the life of
Andrej Blagov, read the 1997 festival diary or send a virtual postcard from the academy or from the city of Pushkin itself.
In case you prefer other ways of transport, have a look at the multimedia Submarine Trash!
Music from Russia is part of my life. This part of my life started when I met Nikolai Dmitriev, manager, organisator, brother, genious, producer.
He opened my ears for russian music and he travelled with us through the vast spaces of the big country.
He introduced me to russian artists and musicians.
Nikolai Dmitriev: http://www.longarms.net
A Datsha is the dream of many russians and more and more datshas are announced in the real estate paper. So I could not resist to invite you to the Datsha-Memory-Game.
If your screen-resolution is smaller than 1024 x 768, click here!
Der zweite Blick: Photo-Projects
Other photo-projects at www.zweiterblick.de:
PosleGolosa - photo-poetry with poetry by Felix Philipp Ingold
Photostroki - photo-poetry with russian monostikhi
Moscow to the End of the Line
Peredelkino - Boris Pasternak - Friedhof
Travels and Travellogues from the Russian Cosmos:
JazzFest Arkhangelsk 1996
JazzFest Arkhangelsk 1997
1997: Urban Wooden Architecture of the Russian North
1997: Rural Wooden Architecture
Two flights to the Solovki - Islands: 1996 and 1997
and a japanese wedding on this island
1996: Backstage in Rußland
1997: The Golden Ring: autumnal Vologda
1997: 850 years Moscow
1997: Take the night-train: musicians travel
1999: A winterjourney to the Golden Ring: Pereslavl-Zalessky
1999: and winterly Jaroslavl
1999: Russian Winter EveryDay - Life
2000: Take the train to Orodesh!
2000: Parachooters Day in St. Petersburg
2000: Vladimir Nabokov's summerhouse in Roshdestveno
2001:Spring in Novie Jerusalem Samoskwaretschie
2002: Russian Spring: 1 2 3
2002: Summer in Moscow
2000: Galicia / Ukraina
rural Galicia
market day in Drohobych
the new synagogue in Drogobych
wooden churches in Drogobych
Stay here - Hotel Tulstan in Drogobych
From Borislav to Turka and Strij
2002: Ukraina
Autumn in Kiev
World Jazz at the Dnjepr
2002: Novosibirsk and Altai:
The Festival Chivaja Woda 2002
The Festival in Novosibirsk
The Festival in Altai
Der Weg einer Postkarte: a birthday greeting ot Felix Philipp Ingold
a Photo-Series
Russian musicians and ensembles:


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If nothing else, this City Hall-provided video concerning the Bexar Street redevelopment project in South Dallas is the first city-made video you can dance to -- though it's hardly Nina Simone's "Feeling Good," as advertised. (Anyone? Because Shazam's no help here.) I, for one, hope this is the wave of the future: animated conceptual renderings set to funk-soul soundtracks. Alas, to what tune should they set the Trinity River video? Ah, yes.
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The poor and middle class may not be the only ones to fall victim to financial firms. Even the wealthy, who are supposed to be sophisticated about money matters, can be targets.
According to the Massachusetts securities regulator, Morgan Stanley ran a sales contest to give incentives to its brokers to sell securities-backed loans to its wealth management clients in Massachusetts and Rhode Island.
The sales contest tripled the number of these loans in those states in 2014 and 2015, the regulator said in a complaint this month. Whether the bank's clients actually needed such potentially high-risk and costly products is not clear.
The complaint against Morgan Stanley came just weeks after Wells Fargo was fined $185 million for opening thousands of sham accounts for its mostly middle-class customers.
Morgan Stanley has denied the charges. But the accusations against both banks, experts say, give new meaning to the phrase "buyer beware."
When brokers try to sell products like securities-backed loans — which are similar to margin loans but with lower interest rates and different requirements on when they can be called — the only thing that is certain is that the broker will make more money.
First of all, no one disputes that sales contests are a way of life at large brokerage houses, even if they are not sanctioned at the top.
Kevin Neal, a former broker at UBS Wealth Management who founded Moenio, a client advocacy firm focused on helping clients find the best advisers, said that sales contests were common when he was a broker and that they remain a part of the culture at all the big companies.
"At the end of the day, they're sales organizations," he said. "They're not an entity that was created for benevolency. They're institutions that are created to make money."
He said, though, that the companies needed guidelines on how the contests could be conducted.
The reward for pushing the loans at Morgan Stanley was rather low. It started at $100 a person and rose to $166 a person, if the broker could sell 30 loans, known as portfolio loan accounts, or P.L.A.s, according to the complaint.
Adviser emails showed an enthusiasm for the program that sounded more like outtakes of a Hollywood movie about financial scheming, not what investors might think are the internal emails of one of the largest wealth management companies in the United States.
"One participating Financial Advisor asked, 'Does the bonus stop at 30 PLA's? What if we do 60?? Does that double the bonus to our team??? You know how we are about BDA money!!!'"
B.D.A. stands for business development allowances, which was the bonus that brokers received.
Andrew Stoltmann, a lawyer in Chicago who has brought more than 1,000 cases against brokers, suggested that investors adopt a degree of cynicism.
"You have to always question why the broker is calling you with a new product or a different nontraditional investment," Mr. Stoltmann said. "If they do call, be extremely wary."
He suggested that investors ask the brokers to send something in writing with their recommendations, even if it's just an email. That, he said, is one way to have proof of what you were being told.
"These brokers love to sell the sizzle and downplay the risk," he said. "But they get real nervous when they have to put pen to paper."
Another strategy is to ask the broker why a certain product benefits you, said Gavin Morrissey, managing partner at Financial Strategy Associates, a financial services firm.
"I know some people wouldn't be comfortable answering that," Mr. Morrissey said. "Clients should continuously ask good questions of the adviser. 'I don't understand the portfolio. Why do you have me in this alternative allocation?' Or they say, 'Why did you sell me this thing? I don't know what it does.'"
Even then, there is a risk that a client might not understand the answer. Mr. Morrissey said. That is why it is important that wealthy clients have their advisers, accountants and lawyers speaking to one another.
"If you have someone who is unwilling to inform those other professionals," he said, "the question is, why wouldn't you share something like that?" He added, "Wouldn't it be a good idea to know what they're doing?"
In most instances, the brokers pushing products are within their rights. Unlike registered investment advisers, who are required to consider clients' best interests, brokers are held to the lower standard of suitability. And what may be suitable for them to sell may not be suitable — or certainly prudent — for their clients to own.
Ed Gjertsen II, chairman of the Financial Planning Association and vice president at Mack Investment Securities in Northfield, Ill., said people who choose to work with firms that have a sales culture need to understand that and make their judgments accordingly.
"If you walk into a car lot, you know you're in a sales process, and your mind shifts to being more aware and more defensive," he said. "When you walk into a firm and you're being led by returns, you still have to be in that mode. You have to be aware that there are people who are selling you things that aren't in your best interest."
Mr. Gjertsen said that there are products far more common than securities-based loans that clients need to be wary of.
He said complicated annuities, which he often sees sold to older clients, can be overly expensive for the guaranteed income they provide. One red flag is a long surrender period — the time during which a customer would need to pay a penalty to cash in the annuity. The longer that time period — anything around 10 or 15 years — the higher the salesman's commission.
"It's within the client's right to ask that professional who sold them an annuity how much commission they're making," he said. "That person is going to say, 'Don't worry about it. The insurance company is paying me.' That's not the point. The point is, am I getting the value for that transaction?"
Frank Moore, chief executive of Vintage Financial Services in Ann Arbor, Mich., and a member of the board of the National Association of Personal Financial Advisors, said one of the more shocking abuses he saw recently was an older client with $2.5 million — $1.5 million was in annuities, the other $1 million was in nonpublic real estate investment trusts, which are largely illiquid unless they go public.
"We see this stuff all the time," he said. "This one was egregious enough that we may counsel the client to file a claim" with the Financial Industry Regulatory Authority.
Of course, securities-based loans, annuities and illiquid investments are right for certain clients. How to assess them, though, requires extensive research.
Mr. Neal of Moenio gave the example of structured notes. These are products created by banks to provide a certain upside and limit the downside for clients. An example would be a note that provided 105 percent of the return of an index tracking the Standard & Poor's 500 and protection against a 10 percent loss.
But the notes are not cheap, and whether they work properly depends on the credit quality of the bank creating them.
"When Lehman Brothers went under, their structured notes were worth pennies on the dollar," he said. "The institution underwriting that structured note has to be the right institution."
Right now, he said, he is steering clients away from structured notes created by Deutsche Bank, which has faced a series of challenges in recent months, from poor financial results to a potentially large penalty from the Justice Department over its sales of residential mortgage-backed securities. And even when his firm suggests a note for a client, he said, it checks both the price of the note and the strength of the bank.
"They're not cheap," he said. "But if the structured note does what it's supposed to do, it's a good trade-off."
And that is how all investors should look at products being offered to them.


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In case you missed it, good for you. This game sucked something powerful. The Bruins weren't skating, they weren't hitting, and there was no desire to win a hockey game. Marty Turco got the nod in which lasted for all of 8 seconds. Turco looked terrible. Granted, the first goal for the Lightning shouldn't have counted. The goal was kicked in, but for some reason they said it was legit. Morons.
Thomas came in to replace Turco. Thanks for the rest, Marty. Thomas also looked like a bag of trash. He allowed 2 goals and was pulled, so Turco could come back in and throw up all over the ice.
After taking a beating like this, you've got to wonder what the hell is going on here. Injuries are really hurting the Bruins, and inconsistent goaltending is not a recipe for success. Six goals on 16 shots is nothing short of atrocious. After saying that, to only have 2 shots on goal after 1 period is absolutely inexcusable. Boston needs to fix this, and fix this quick.
With 13 games to go, and only a 2-point lead on Ottawa for the division, things could get dicey real quick if the B's continue to play poorly. The trade deadline acquisitions haven't looked great thus far. Rolston looks old and tired. Mottau doesn't really play, and Zanon is serviceable. I guess…
Ference is back now, and McQuaid will hopefully be back soon. We also need Peverley and Horton back like a butcher needs an apron before gutting a duck. But for now, we have to win with what we have.
I think Claude might want to put in a call to coach Gordon Bombay. He knew how to get a locker room going. And you also need a creepy old guy, who definitely shouldn't have clearance to enter a locker room to help rally the troops.


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hair moisture
My hair is thinning!
"I can see through my hair." I often hear this as a dermatologist. The first question I always ask is whether short hairs versus long hairs are found on the pillows, on the bathroom floor, in the shower, or in the brush/comb. I ask this question primarily because short hairs equal breakage and if someone is experiencing breakage, I further ask about the hair care regimen and products. A guide to infusing moisture back into the hair can be found here.
Hair grows at an average set rate and length is inevitable while retention of length depends on moisture content of hair and daily care. If your hair is processed, with color, perms, relaxers, texturizers, etc, this changes the inherent pH of the hair and can allow for dehydration and a dry, fragile hair shaft. Daily wear and tear on fragile hairs further lead to breakage and split ends. If enough hairs involved, the ends of your hair will appear uneven and the density will become thinner the further down the hair you travel. A quick way to test for breakage at home is to grab a strand of hair and do a quick bend and tug. If the hair snaps, there is a fragility factor. Also look at the entire length and at the end to assess for splitting and frayed areas. Lastly, place a sheet of white paper behind your hair and have someone take a photo. If you can see a large portion of white paper through your hair, that is breakage. The more breakage, the more visible the paper until it starts tracking up higher in the hair.
If long hairs are found on the brush, floor, pillow, clothing, etc, there may be a concern for a shedding condition called, telogen effluvium (learn about the natural hair cycle here). Telogen effluvium is an excessive shedding phase that is reversible and does not destroy the follicles (non-scarring). Triggers include starting and stopping medications especially hormones and supplements, health conditions (anemia, thyroid, malnutrition, pregnancy, birth), and sudden stressors (illnesses, surgeries, crash diets, stressful event). My patients will report diffuse shedding and thinning hair all over the scalp. The solution is to find the stressor and remove it. If it was a one-time event, when the stressor has finished, the telogen effluvium must run its course and fade out. I always counsel patients it is an unknown amount of time when the hairs exit out of this effluvium and enter back into their normal cycles. If the shedding is occurring for a long time or if the patient feels more than 50% of the hair density has been lost, I can intervene with medicine to stop or slow down the natural process and help prevent further shedding.
A similar story of long hairs shedding rapidly can also occur from another shedding condition called anagen effluvium, commonly seen with medications that stop rapid cell growth, such as chemotherapy and particular medications. This condition is also non-scarring and is reversible. Interestingly, with regrowth after these medicines the hair may return a different color or have a new curl pattern.
Lastly, I evaluate for age, nutritional status, and family history. Male and female pattern baldness is prevalent and I not only ask about hair loss in male family members but also among female members. I check hormone levels to make sure there are no internal factors driving this condition. There are a few topical and systemic (oral pills) regimens that will help. Often these regimens regrows hair and thickens the hair and holds the patient for years as long as they continue the treatment regimen.
Other reasons:
A close look at the scalp is necessary as all hair thinning is not due to breakage, shedding, or genetics. There are inflammatory, scarring (follicles turn to scar tissue and cannot grow a hair) permanent hair loss conditions that do warrant medications to slow or stop the process and I specialize in diagnosing and treating these conditions. Early assessment and diagnosis is important to prevent diffuse permanent hair loss. Other permanent hair loss disorders can occur from tight braids, removing glue-in weaves, wraps or headbands around the edges, and chemical burns. We will talk about these conditions and how to prevent them in future articles.
In conclusion, hair thinning is very common either through medical or cosmetic reasons. If you're experiencing hair thinning, seek guidance from your local cosmetologist and dermatologist for treatment of any medical conditions and to help correct moisture imbalance so you can regain your thick healthy hair.
Hair 101: Hair follicles and their life cycle
We are born with roughly 100,000 follicles on our scalp. We cannot regrow or generate new follicles after birth so what we are born with is what we have. Follicles create hair from stem cells that sit near the follicle and produce a new hair bulb (the white part located at the root end of a shed hair and is released with the hair). Over time, we lose follicles through factors such as age, hormone, or genetic follicular miniaturization or scarring disorders that destroy the abovementioned stem cells.
Blondes have roughly 20% more follicles than brunettes and redheads have about 20% fewer follicles. Asians and African Americans have fewer follicles and lower hair density than Caucasians. The follicles on the scalps of Caucasians and Asians are straight. The follicles curl and are on a greater angle on African American scalps. This curled follicle is the reason follicles are more difficult to harvest for hair transplants in African American patients.
Follicles cycle through three natural cycles, a growth phase, a rest phase, and a fall out phase, medically referred to as anagen, catagen, and telogen phases, respectively. Each follicle individually cycles through these three phases independently of each other. Of those ~100 000 follicles, 85-90% are in anagen, <1% are in catagen, and 10-15% are in the natural fall out phase, telogen. Follicles stay in the anagen growth phase for 2-6 years, catagen for 2-3 weeks, and telogen for 3 months before the hair is released from the follicle. Applying these numbers, you will shed on average 100-200 hairs/day. If these hairs are collected, it can appear as a large amount of hair but be reassured that a fresh new anagen hair helps to push out that old telogen hair and a new follicle cycle begins.
Anagen follicles grow scalp hairs at a rate of 0.35cm/day or roughly 1cm/month. This rate may increase with medications or pregnancy and decrease with age, nutrition, medications, and illnesses. Follicles only create hair in anagen growth phases. Therefore, hairs only grow in anagen phase, so follicles in the catagen and telogen phase only rest and fall out, respectively. The maximum length is greatest at the end of anagen phase with the exception of breakage which can shorten hairs. Proper hair care can help maintain length retention. Moisture regimens can be found at http://www.DrHillHairLoss.com/?p=73.
Check back to future installments of hair 101.


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Argos Productions is a full service video production company working with businesses and individuals all over the world to deliver breathtaking visuals. We specialize in personal storytelling and event content creation. Find out what we can do for you and let's create something spectacular!
Our People
our PROMISE
We always work with the highest quality equipment and best crew to deliver outstanding videos. Our years of experience has helped us hone exactly what makes successful and impactful content. We promise to see you project through and work with you to create an amazing experience.
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We are a team of hard working artists and visionaries who want to collaborate with you to raise the bar on your video projects. We specialize in event and narrative video creation. Whether you need a recap of your upcoming launch or you have an family story that needs to be told. We have the skill set and team to make it happen.
Founded in 2017, Argos Productions is a Boise, ID based production services company focusing on a high touch, quality approach to communication, collaboration and community.


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NOTE: This program will be ending in December 2019
With changing scopes of practice of pharmacy technicians and the move towards the regulation of pharmacy technicians in Canada, anyone wishing to now enter the profession must complete a full-time pharmacy technician training program.
For individuals who were working as pharmacy technicians before regulation was introduced, the National Pharmacy Technician Bridging Education Program enables them to upgrade their skills to align with changes in the scope of practice of pharmacy technicians without having to return to school to complete a full-time training program.
NAPRA's National Pharmacy Technician Bridging Program comes from a program which was originally developed and introduced in Ontario in 2008 and which was later adapted for use in Alberta and British Columbia in 2010. As more and more provinces began the steps towards regulating pharmacy technicians, the need for a national program was apparent and, in 2012, NAPRA assumed ownership of the program, creating a program for national delivery. The National Pharmacy Technician Bridging Program has been delivered by authorized educational institutions since fall 2013, and is available for in-class or online delivery in both English and French until December 2019.


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Passionate about helping people reach their full potential, Liezel travels around the country delivering motivational talks and keynote addresses on various topics.
A few of her most popular talks include:
Beating the Bully
Focusing on bullying in the workplace, Liezel shares tips on how to spot the office tyrant from a mile away and avoid being the target of their meanness. In essence she helps victims find their voice again to get the recognition they deserve.
"The Office Bully is a genius: it's all smoke and mirrors… from a great fake relationship with the boss, knowing the minimal amount to be done to get away with it and thriving on your pain. But inside the bully lives a very insecure person taking it out on you."
Empowering Women
Guided by the phrase 'empower our women, empower our nation', this talk unpacks the importance of claiming your right to be a powerful feminine force. Having conquered many physical and mental feats to get where she is now, Liezel understands the underlying challenges facing women today and strives to help others overcome them.
"Glass ceilings imposed by the traditional workplace are not the only thing that holds women back. It is often self-imposed. An inferiority complex, family commitments and a fear of failure are leaders in this self-inflicting stagnation."
Finding your inner strength
How many times have you just let a secret dream go, just because it seemed unreachable? And when you actually took the brave step to tell someone what you'd like to do, they agreed that it was completely crazy. Well, it's time you took a different approach! In this talk, Liezel draws on her personal experiences to help others avoid both naysayers and niggling self-doubt in the fearless pursuit of those impossible seeming goals.
"Set your goals and work at it, each and every day. Don't stop until it's done."
Would you like Liezel to speak at your event? Get in touch!
We only had positive feedback from client.
Mish Hicks (Event Organisation)
I would just like to thank you so so much for MC'ing our Mercedes event yesterday. You were FANTASTIC, and I have been receiving rave comments from early morning.
Beverley Horrell, Rola Motor Marketing Manager
Liezel was terrific as always.
Riaan Kleinsmith, Makro
Always great working with Liezel, thank you for your empowering talk.
Mish Hicks (Event Organisation)
Please can you personally pass on my personal gratitude to Liezel, who was the consummate professional and by far one of the best MC's I have worked with ever. Liezel certainly took the event to another level!!!!
Sean , The Rainbow Team
Working with you was one of my favourite things of the job.
Caron Isaacs, Associated Media
Please extend my thanks to Liezel. She was incredible and having a speaker of her calibre at our Awards added to the entire experience.
Robyn Hey, BWA
The event was a great success and Liezel was brilliant, as always!
Candice Burgess, Greater Than
Liezel did an amazing job.
Jade Campbell, Top Events
Liezel was such a pleasure to work with, professional, articulate, inspiring. She really was great
Bianca Church, Century City Property Owners' Association
Liezel was awesome! She just knows our brand so well. We were exceptionally happy with the gig on Friday, and will be very keen to make use of Liezel's services again in future, when the need arises. She handled everything superbly.
Fatima Borez, Cape Town Tourism
On behalf of the Fearless 14 and the BWA I would really like to thank you for your incredible presentation last night, your energy is infectious . You have set the tone for the FAST TRACK2SUCCESS program and the candidates are super excited and so eager to make it work for them. Your presentation was warm , engaging and filled with the little gems that stick in your mind. You made setting your goals and living your dream something that is so worth the highs and lows along each journey.
Thank you from all of us! You are an exceptional BWA ambassador.
Cheryl Steyn , Businesswomen's Association CT
Bronwyn, I wanted to take this opportunity to tell you about my experience of working with Liezel as a guest speaker. As you know, we deal with many speakers for our events. The fact of the matter is that each speaker is different and has different requirements. In my 3 years as chair of the BWA, I have never worked with a speaker who has been as professional as Liezel. In preparation for her key note address for RBAA, Liezel asked for and complied perfectly with a brief on what we wanted her to talk on. Liezel also asked for the names of the people who would be at her table and researched each of those people so that she knew their names and a little bit about their business. Given that she sat at a table with our sponsors this went a long way towards impressing the sponsors and making everyone at the table feel welcome. She also went the extra mile and attended the pre-drinks and photo session (even though this was not required of her) and put all the finalists and sponsors at ease. After all of this, she gave a talk which, as you know, was on point and really well presented.
I cannot recommend Liezel highly enough as a speaker and I wanted to give you this feedback because I know she is one of your speakers and I am sure that feedback like this is valuable.
Robin Hey, BWA
Dear Liezel, we'd like to express our sincerest gratitude to you for joining the OKFD on our island adventure as the master of ceremonies. Your energetic and entertaining contribution to the success of our 2016 Conference in Bali is greatly valued and appreciated.
Best Regards OKFD Management
Was really awesome working with you, you did such a great job.
Kim Pearce The Insurance Institute of the Cape of Good Hope
Thank you best emcee ever.
Sean Hough -Pentravel


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Connecting European Neuroscience
Join FENS
FENS offers a range of state of the art platforms for interacting international researchers from the entire spectrum of neuroscience disciplines.
Visit the FENS meetings portal to get more information.
In collaboration with prominent and long-standing partners of FENS, new programmes for European higher education – schools and training – will be offered every year.
Visit the FENS Training portal to get more information.
Check out the latest articles and news of EJN. All FENS members have FREE access to EJN!
Visit the FENS website to get more information.
FENS calls on the European Parliament and Commission to reaffirm their commitment to the Directive.
Visit the FENS Outreach portal to get more information.
FENS provides its members with a full package of services to facilitate the exchange of information and enhance networking activities among neuroscientists.
Visit the FENS Societies portal to get more information.
Ordinary member, Programme Committee FENS Forum 2016
Curriculum Vitae
Professional and academic career
Institution and Location
Field of Study
University of California Los Angeles, USA
University of Pennsylvania, USA
2009 to present Professor of Neurobiological Psychiatry, Dept. of Psychiatry, Erasmus MC, Rotterdam
2008 to 2009 Associate Professor (Adjunct), Dept. of Psychiatry, Erasmus MC, Rotterdam
2008 to 2009 Visiting Scientist, Institute of Medical Sciences, University of Toronto, Canada
2005 to 2009 Postgraduate Resident in Psychiatry, Columbia University, New York
HONORS, AWARDS and SCHOLARSHIPS
2012 NEJM Journal Watch Psychiatry
2009 Netherlands Innovational Research Vidi Award
2008 The Hospital for Sick Children: Research Center Award
2006 Arnold P. Gold Foundation Award, Columbia University Medical Center
2003 Michael Tennenbaum Creativity Initiative Award, UCLA
2001 National Institutes of Mental Health – National Research Service Award
1995 Barry M. Goldwater Scholarship
1992 National Kidney Foundation Fellowship
1991 American Statistical Association Prize
General administrative and organisational experience
European Molecular and Cellular Cognition Society (EMCCS), Executive Committee (2012 – Present)
Dutch Neuroscience Annual Meeting, Organizing Committee (2012 – Present), 2016 Chair Elect
Medical Research Advisory Committee (Mrace) for Erasmus MC Translational Research Grants (2011 – Present)
Founding member of the Expertise Center in Hereditary Neurocognitive Disorders at Erasmus MC (ENCORE Center for Clinical Care and Translational Research) (2011 – Present)
Chair, Scientific Committee, Department of Psychiatry, Erasmus MC (2010 – Present)
Research interests
Our lab is interested in the fundamental mechanisms underlying plasticity, and the pathophysiology of severe mental illness. Towards this goal, we are focused on studies investigating the neural basis of social behaviour and emotional learning in mice, as well as clinical and genetic studies in relevant patient cohorts.
Selected Publications
Steven A. Kushner
Erasmus University Medical Center, Department of PsychiatryWytemaweg 80, EE14423015 CN Rotterdam, the NetherlandsPhone: +31 10 704 3533Fax: +31 10 703 3217E-mail: email@example.com
Become a FENS Member by registering with one of the FENS member Societies.FENS member societies are independent scientific organizations with individual guidelines and rules for membership. You are encouraged to check the particular guidelines for membership before submitting your expression of interest to become a FENS member. You can find an overview of all FENS societies here: www.fens.org/societies.Please enter your contact details below, and the indicated FENS member Society will approach you with further membership information.
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*Your personal data will be used in accordance with the Terms of Use and you will be able to withdraw your consent at any time.
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Business Transition and Move Management Services
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Creamy Spinac Ricotta PastaFrom pleclare 11 years ago
- 1lb. rigatoni shopping list
- 1 can(15oz.) diced tomatoes with basil,onion and garlic shopping list
- 1c fresh or frozen chopped onions shopping list
- 1 box frozen chopped spinach shopping list
- 21/2c jarred alfredo sauce shopping list
- 11/2c ricotta cheese shopping list
- 1tsp garlic salt shopping list
- 1/2tsp pepper shopping list
- 1/3c seasoned bread crumbs shopping list
- 1/4c grated parmesan cheese shopping list
- 1Tbs olive oil shopping list
How to make it
- Heat oven to 425. Coat 13x9" baking dish with cooking spray.
- Bring large pot of salted water to boil. Cook pasta following pkg. directions. Drain;return to pot. Stir in tomatoes and chopped onions.
- Cook spinach in microwave following pkg. directions. Squeeze out moisture.. Transfer to bowl. Add alfredo sauce,ricotta,garlic salt and pepper;stir to combine
- Transfer spinach mixture to pasta pot;toss to combine. Transfer pasta mixture to prepared pan.
- Mix together bread crumbs,parmesan and oil. Sprinkle over pasta. Bake for 20-25 mins or till golden brown and bubbly.
People Who Like This Dish 5
Reviews & Comments 5
- mango ate it and said... Was this review helpful? Yes Flag
- elgab89 ate it and said... Was this review helpful? Yes Flag
- mystic_river1 ate it and said... Was this review helpful? Yes Flag
- lasaf 11 years ago Was this review helpful? Yes Flag
- lanijoy ate it and said... Was this review helpful? Yes Flag
The Cookpleclare Framingham, MA
The Rating5 people
OMG this sounds amazing. I'm such a spinach freak and this will be a nice addition to the piles of spinach recipes I have. Thanks!lanijoy in Olympia loved it
Very very nice..thanks for the post. ^5mystic_river1 in Bradenton loved it
Another delicious recipe!elgab89 in Toronto loved it


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Former US Vice President and Chairman of Generation Investment Management, Al Gore, introduces UNEP FI, the PRI, and The Generation Foundation's Fiduciary Duty in the 21st Century Programme, which seeks to update conceptions of fiduciary duty and in doing so create the conditions for a more sustainable global economy.
The project finds that, far from being a barrier, there are positive duties to integrate environmental, social and governance factors in investment processes.
Fiduciary duties exist to ensure that those who manage other people's money act in the interests of beneficiaries. The most important fiduciary duties are the duty of loyalty and the duty of prudence. A decade after the original Freshfields report, changes in investment practice and in public policy demonstrate that far from being a barrier, there are positive duties on investors to integrate ESG issues.
Following the launch of the report Fiduciary Duty in the 21st Century (2015), the Principles for Responsible Investment (PRI), the United Nations Environment Programme Finance Initiative (UNEP FI) and The Generation Foundation launched a three-year project to clarify investors' obligations and duties in relation to the incorporation of environmental, social and governance (ESG) issues in investment practice and decision-making.
The project has three components:
- Working with investors, governments and intergovernmental organisations to develop and publish a Global Statement on Investors' Obligations and Duties.
- Publishing and implementing roadmaps on the policy changes required to achieve full ESG integration in investment practices across eight countries (Australia, Brazil, Canada, Germany, Japan, South Africa, UK and US).
- Extending research into investor's obligations and duties to six Asian markets: China, Hong Kong, India, Malaysia, Singapore and South Korea.
For more information about the Fiduciary Duty project please visit www.fiduciaryduty21.org
UNEP FI's work on fiduciary duty is undertaken collaboratively with the Principles for Responsible Investment (PRI), and The Generation Foundation.
Project Steering Committee
Peter Knight, Retired Partner, Generation Investment Management
Fiona Reynolds, CEO, PRI
Nick Robins, Co-Director, UNEP Inquiry into a Sustainable Financial System
Eric Usher, Head, UNEP Finance Initiative