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View the article online at http://citywire.co.uk/new-model-adviser/article/a631695
IFA to blow whistle on adviser who churned client
on Nov 09, 2012 at 11:10
An IFA is planning to blow the whistle to the Financial Services Authority (FSA) about a West Sussex-based adviser who cost his client over £200,000 through poor advice.
John Kelly, partner at Shoreham-by-Sea-based Square One Financial Planning, discovered the adviser had churned his client, now in their 60s, through a number of life assurance bonds.
The client's claim was upheld by the Financial Ombudsman Service this year, and the adviser and insurance companies paid out a total of £217,816.
Kelly said he would blow the whistle because he believed the adviser's conduct was detrimental to the reputation of the profession.
'If our industry is to be seen as a profession, this should have been stopped,' he said.
'This [adviser] is the kind of person who puts our profession into disrepute. I will go to the FSA about this.'
From 2004 to 2007 the client was advised to surrender five bonds, incurring early exit penalties, to invest in other bonds that were unsuitable.
An example of this was advice given to surrender a Prudential bond and a Legal & General bond, accruing an exit penalty of around £5,000. The fund switch did not match the client's risk profile.
The Ombudsman dealt with the matter in the form of five separate claims, so that the total redress amount could be allowed to exceed the per claim limit of £100,000.
43 comments so far. Why not have your say?
Nov 09, 2012 at 11:27
Good for you!
But if you expect the FSA to do anything dont hold your breath!report this
Nov 09, 2012 at 11:29
Why is the advisor reporting this surely the Ombudsman recognises outright bad advice and should be blowing the whilstle to the FSA.
It is one thing incorrect advice or poor advice but churning and outright bad advice stares you in the face.report this
Nov 09, 2012 at 11:39
The recorded 'reasons why' , (no doubt approved by the adviser's compliance officer) should make interesting reading!report this
Nov 09, 2012 at 11:39
Get on with it then...... !
Otherwise one could accuse you of being in it for self-publicity and financial gain rather than more "altruistic" reasons !!report this
Nov 09, 2012 at 11:45
I wonder if reporting the conduct to the adviser's professional body might be more effective - loss of SPS might be the outcome.
On second thoughts, I better check it wasnt me...report this
Nov 09, 2012 at 11:48
well said Peter Parker. Sounds like a cocktail of 'pompous prat on pedestal' (nice alliteration) and bad advice between the two of themreport this
Nov 09, 2012 at 11:49
but was he level 4 qualified, I mean that is what will stop this sort of behaviour isn't?report this
Nov 09, 2012 at 11:50
Well done, John. I believe that bad practice should be exposed and protect the reputation of IFA's who strive to be honest individuals. Even though we don't know the facts of the case, RDR is coming in to protect the client more and expose the bad apples in our industryreport this
Nov 09, 2012 at 11:53
Good work John. Send this thief's details to his professional body as well so that he will be barred from practising in the future.
These are the kind of people who should be banned from working in this profession. They have no fear of taking advantage out of the vulnerable. For that, we all have a duty to report these kind of thieves.report this
Nov 09, 2012 at 12:06
Why is it that the financial ombudsman and the FSCS work in camera?
If this had been a pension ombudsman's determination it would have been made available for public scrutiny;
In an ideal world every ombudsman's determination should be publishedreport this
Nov 09, 2012 at 12:07
mmmmm rat turned rat catcher springs to mind, once again we are not aware of the clients circumstances at the time or any of the reasons behind encashing the bonds and then re-investing within the same type of contractreport this
Nov 09, 2012 at 12:14
TA - I don't think there will be many people in their 60s who would be happy to hear they are in the vulnerable client category.
Peter Parker - very true, though if one of these "advisers" reads this and it makes them think twice something positive has been achieved. Good can come as a by product of self promotion - just think celebrity and charity.report this
Nov 09, 2012 at 12:21
Not sure if I follow this story to its fullest extent, was John taking trail on these bonds and was he not servicing the client on a regular basis. Did he not question the change of authority with the client.
Good on him for blowing the whistle, but was he doing his job proprely???report this
Nov 09, 2012 at 12:21
I have two questions. Firstly, was the said adviser independent or a tied adviser? Secondly, is the said adviser who recommended the transactions still working in the industry?
It is all very well and good reporting the situation that has occurred in the past - but why was it not stopped beforehand? Lots of questions need to be answered by the Compliance Office of the firm concerned but what lessons will they have learned and how can they stop it in the future. The actions of one individual will always leave marks on the many who are innocent and follow good practice.report this
Nov 09, 2012 at 12:24
This should be the norm not the news qute frankly.
Anyone who thinks this is" grassing up a mate", really needs to consider a different career
Ian Coley
Medical Investment Servicesreport this
Nov 09, 2012 at 12:25
I Agree with Peter, I do lots of this stuff, usualy including banks sometimes IFA's, but dont go to the press with it! get on with it, its never going to end, RDR will not stop hungry salespeople who can pass exams.report this
Nov 09, 2012 at 12:40
Great way of lead cheap lead generation........Why didn't I think of this!!!!
One feels the advisers compliance team have a lot to answer forreport this
Nov 09, 2012 at 12:42
On the way to work I picked up some litter that wasn't mine and helped an old lady up the staircase with her bags..report this
Nov 09, 2012 at 12:57
Last night I came across a 2008 offshore bond, with 7% initial plus 0.5% annual that had an 8 year surrender penalty, sold by a local IFA. As this had regular withdrawals, offshore or onshore for a basic rate cautious taxpayer? I suspect the decision had more to do with his income.
Within 2 years he recommended that 10k was surrendered and invested in a biofuel investment now being investigated by the SFO.
He is still trading, and has sold biofuel to a number of his clients.
The client will instigate the complaints procedure, going forward, but it only proves there ought to be no hiding place for greedy/stupid/unethical advisers, but sadly, exams and adviser charging will not eliminate them.
But RDR is supposed to be implimented for customer protection! Not a chance.
Where the money in the bond was invested was OK and we all think we could have done better, but this is no reason to complain. However the highest initial, then churning, then unauthorised investment into a now bust UCIS shows a pattern of behaviours I find disturbing. Mind you, all clients think he is a nice guy. Why is there no procedure for reporting those who do not maintain the highest of ethical standards? Or is there?report this
Nov 09, 2012 at 13:00
i bet you he is cheating on his wife right nowreport this
Nov 09, 2012 at 13:00
After all that hassle, the FOS has just taken the client back to Square One.
Sorry, but it is Friday.
Do I get a royalty for the marketing slogan?report this
Nov 09, 2012 at 13:00
sanctamonious, publicity seaking pratt. Reminds me of a guy who reported another IFA 2 years ago to the FSA and then after they refused to ban the so called rogue adviser, the reporting IFA wrote to the FSA demanding the other guy be struck off. Why do some people in this industry revel so much in the persecution of others. If you want to do the regulators job, then go and work for them!report this
Nov 09, 2012 at 13:21
I thought bonds had to be changed every 3 years to maintain income.report this
Nov 09, 2012 at 13:22
Phil Wise beat me to it with his comments. This is what an SPS is supposed to be for, i.e. this isn't actually supposed to be an issue for the FSA under the new regime, it should be for the Professional Body to decide whether to continue to issue an SPS or whetehr remdial action is requried first. If they decline to issue, it does not become a problem for the FSA unless or until all professional Bodies decline to give the firm an SPS. Then it may become a restriction of trade.
Membership of a professional body coudl nto be made mandatory by the FSA for individuals to get their SPSs, but most Prof bodies will not issue an SPS unless you sign up to THEIR code of ethics and submit to theri discipline.report this
Nov 09, 2012 at 13:25
One of the reasons could be that we pick up the tab for the compo involved, so whistleblowing is a legitimate risk mitigation exericse.report this
Nov 09, 2012 at 13:25
I agree entirely with Brian Johnson - what a publicity seeking, sanctamonious idiot.
Get on and whistle blow - but do it discreetly and without going to the press about it.
PS: I have whistle blown before - rest assured, the FSA will do absoutely nothing.report this
Nov 09, 2012 at 13:51
And you wonder why the IFA industry can never be unified and will probably never be taken seriously as a profession?.
Too many individuals who require their ego`s to be rubbed and I`m afraid we have another one to add to that very long list.report this
Nov 09, 2012 at 13:53
Surely this is not whistle blowing. That is usually done by an employee in a government department or large corporation.
The other point is that whistle blowers tend to keep their identity secret for fear of reprisals.
One does suspect the motive here even if the cause was just.report this
Nov 09, 2012 at 14:20
Shabbareport this
Nov 09, 2012 at 14:29
Hold on a minute here, what does "cost the client over £200000" actually mean?Was a re-basing exercise going on? Did the FOS say it was churning or is that just the vocabulary used by John Kelly and/or NMA? What was the actual wording of the claim? All that this article says is (as an example) "The fund switch did not match the client's risk profile. "
We do not know from this article just what the nature of the unsuitablity is regarding the bigger picture.
Maybe John Kelly would like to come on here and state for the record his reasons for his intended action rather than the readers of this magnificent organ relying on their imagination?
And maybe NMA would like to be a bit more precise rather than chuck out another piece of end of the week "daily hate" style journalismreport this
Nov 09, 2012 at 14:43
Did someone call???report this
Nov 09, 2012 at 14:48
Friday and a slow day at the office for this article to appear! Sadly yes there are some real sad advisers out there but we are no different to any other industry whether it is a doctor or car mechanic!
RDR and Level 4 or Level 6 will never stop this...there are just some poor advisers out there! Their internal compliance teams should be sorting this out!
However sad this case is and I am glad the client has been compensated, however did the client not know, did they not see the cash in value, did they not see the penalty, did they not see the adviser charge, did they never get an illustration, did they never get a report, did they never wonder why they were moving products every minute.... and is the current trend...they may be deemed a sophisticated investor with that much money.....
Anyway I rant, at this slightly self asorbed pat on the back I am wonderful article!report this
Nov 09, 2012 at 15:17
Reminds me of the palmy days of Fimbra regs when the more energetic and/or creative amongst us c/would rebroke a client's personal pension every 2 years once the client was out of the capital units and earnings period. I've met more than one confused client with several useless pension contracts all cap units and no acc funds.
I have been told by a FOS case-worker that names are passed to the FSA, and they do keep in contact. I would imagine that this could lead to closer FSA scrutiny of the sinning adviser's firm.report this
Nov 09, 2012 at 15:47
Is anyone surprised by this. Bad eggs in every profession. Looked Like the system has worked and the client compensated. Is it newsworthy?report this
Nov 09, 2012 at 16:53
@Philip H - anyone who isn't more knowledgeable than their financial adviser is vulnerable.
@ the bickering rest - not surprised by the morons having a go at this guy and that he might be seeking publicity. So what if he is? If you've got nothing constructive to say then don't bother.
But here's something constructive I can say...
Most of the morons in this profession who have a strong opinion about these things and are not scared to voice it lack advanced education. Might have been lucky to pass A-levels, then ended up flogging policies. So no wonder that whenever someone says anything about themselves, jealousy or alpha rivalry takes over.
You don't get this amongst secure people. Only the insecure.
Thank god most of these idiots will be kicked out from next year.
In the meantime, go and pass some exams and overcome your insecurities.report this
Nov 09, 2012 at 17:14
TA, must have been a tough day as the only person that comes out looking sad is you with these types of comments
And I will say this again...people really should use their own real full names when commenting.report this
Nov 09, 2012 at 17:16
Ian Coley is spot on with his comment
Unfortunately, this should be normal practice but it might need publicity to get the FSA etc to act on the whistleblowing.
Usually whistleblowing results in deathly silence and "lost" correspondence in CanaryLand (Should be re-named CuckooLand)report this
Nov 09, 2012 at 17:50
Exactly, the reason this adviser needs to go public with this is that it would otherwise get ignored. The sooner, these charlatans are exposed and kicked out of the industry, the better for the whole profession.report this
Nov 09, 2012 at 23:04
Fairly standard behaviour I'd say. The industry would be decimated if all the advisers indulging in this kind of behaviour were kicked out; churning after 5 years, or if they're really bold, beforehand and hang the exit penalty ("whatever you say dear, you know best").report this
Nov 10, 2012 at 16:37
Oh yes, 'its outside the earnings period'. I.e. now it can be churned......amazing how the BDM's from the life offices actively help the chuners to do this. As the BDM is paid on money brought in then he does not care, the adviser wants the commission and everyone is happy, Well, apart from the life office which makes no profit out of that bond. And of course the client. But who cares about them.report this
Nov 10, 2012 at 17:59
@Graeme Ferguson - just tell us how exactly I come across sad?
Can't accept the truth can you?report this
Nov 12, 2012 at 14:33
@ TA... you said "Most of the morons in this profession who have a strong opinion about these things and are not scared to voice it lack advanced education."
You also said other things, which only made you look like the person with insecurities... i.e. you need to pass an exam to make you important enough to voice a concern????
Not to say that I don't have enough qualifications or that I couldn't do with more, however a fleeting statement like this is just so inaccurate.
RDR and its increase in qualifications will not stop an individual who is hell bent on behaving dishonestly for his/her own gain.... to think otherwise is foolish as is to think that all really educated people have the best opinions!!
There sadly was no truth in these statements unfortunatelyreport this
Nov 12, 2012 at 19:33
@Graeme Ferguson
Now then Graeme. I've got better things to do than get into a personal duel with you. You have said that what I say makes me look insecure! Your IE seems to be an interpretation, the conclusion of which is quite humorous.
But you are right about qualifications not making one ethical. Crooks will always be crooks. It just happens to be that most of the people with poor understanding of products and its technicality became floggers reliant on commission. They also gave "free advice" which has now resulted in the majority of consumers expecting advice to be free.
You see, the point of all of this is that people should not have a go at someone for whistle blowing. How do you know that the magazine didn't just call him and ask him how his month had been and whether he was up to anything out of the norm? Which is why I say to these opinionated sods, if you got nowt constructive to say, do something else.report this
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Just for students in grades 3 – 5! The hunt will be held on the grounds of Town Hall at 8:00 p.m. sharp, and will last approximately 20 minutes. All participants must bring their own flashlights. Bags will be provided for collecting. Call the Parks & Recreation Office to pre-register. Cost is $1.00 per student. Pay on the evening of the hunt in front of the Town Hall.
Day: Friday
Time: 8:00 p.m.
Date: 3/22
Fee: $1.00


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The following templates have been prepared by groups of experts who are well known in their field of clinical pathology and are intended to document the characteristics of assays as they are to be performed in a CLIA-accredited laboratory. The templates are based on the MISFISHIE principles (1) and may be downloaded by any investigators who may wish to use them as they develop assays for either discovery research or use in clinical trials. These templates may be included as appendices for Letters of intent (LOIs), concepts or protocols when molecular diagnostics are proposed to be integral markers in clinical trials. If you have any questions or suggestions about the templates, please do not hesitate to contact Dr. Jessup at email@example.com.
1) Deutsch EW et al. Minimum information specification for in situ hybridization and immunohistochemistry experiments (MISFISHIE).Ā Nat Biotechnol. 2008 Mar;26(3):305-12.


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Architecture Students Take National Honors
Congratulations to School of Architecture students Teagan Castellon and Brian Diaz. Their design, [Re]Purposed, was awarded third place in the 2011-2012 ACSA/AISC Steel Design Student Competition – Open (Category II), Student Design Competition. The project, completed in a studio led by professors Eric Olsen and Gerard Smulevich, will be exhibited at the ACSA 101st Annual Meeting in San Francisco, March 2013; and at the American Institute of Architects' National Convention in Denver, June 2013. A total of 21 architecture students from universities across the U.S. were honored in the 12th annual competition. Administered by the Association of Collegiate Schools of Architecture (ACSA) and sponsored by the American Institute of Steel Construction (AISC), the program challenges architecture students, working individually or in teams, to explore a variety of design issues related to the use of steel in design and construction. A total of $14,000 in cash prizes was awarded to the winning students and their faculty sponsors.


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Halo Login
Halo manages security and compliance in any public, private, or hybrid cloud environment.
Thanks to its unique and patented architecture, Halo is the only solution on the market that can provide consistent security and compliance controls across clouds and data centers alike. There are four key pillars of the Halo platform architecture:
As a cloud-agnostic platform, Halo ties its security and compliance capabilities directly into any cloud platform or cloud service provider. Quick deployment, self-service provisioning, legacy adaptability, and automation allows your security team to focus on security strategy, and less on fire drills.
As a cloud-agnostic platform, Halo ties its security and compliance capabilities directly into any cloud platform or cloud service provider. Quick deployment, self-service provisioning, legacy adaptability, and automation allows your security team to focus on security strategy, and less on fire drills.
Halo centrally automates dozens of controls that are critical to security and compliance, eliminating the effort and complexity of managing many specialized legacy solutions. Control and telemetry modules live on top of Halo's highly scalable security analytics engine and address key security needs, including:
Deploy and manage dynamic firewall policies across public, private, and hybrid cloud environments. Build firewall policies from a simple web-based interface, and assign them to groups of servers. Policies update automatically within seconds of server additions, deletions and IP address changes.
Halo Multifactor Network Authentication enables secure remote network access using two-factor authentication via SMS to a mobile phone, or using a YubiKey® with no additional software or infrastructure. Keep your server ports hidden and secure from the rest of the world while allowing temporary access on demand for authorized users only.
Automatically monitor operating system and application configurations, processes, network services, privileges, and more. Evaluate new and reactivated servers against the latest configuration policies in seconds with almost no CPU utilization.
Halo scans for vulnerabilities in your packaged software rapidly and automatically, across all of your cloud environments–precisely where traditional software scanning products are unable to operate effectively. With Halo, thousands of server configuration points can be assessed in minutes, helping you to maintain continuous exposure awareness in the cloud.
Protect the integrity of your cloud servers by constantly monitoring for unauthorized or malicious changes to important system binaries and configuration files. File Integrity Monitoring first saves a baseline record of the "clean" state of your cloud server systems. It then periodically re-scans each server instance and compares the results to that baseline. Any differences detected are logged and reported to the appropriate administrators.
Evaluate who has accounts on which cloud servers, what privileges they operate under, and how accounts are being used. Halo provides a single online management console where you can monitor your servers in public, private and hybrid cloud environments. The convenient user interface makes it easy for you to identify accounts that should have been removed.
Halo's security logging and alerts capabilities detect a broad range of events and system states, alerting you when they occur. The platform allows users to define which events generate logs or alerts, whether they are critical, and who will receive them.
Halo's REST API provides full automation of your cloud deployments and lets you integrate your security platform with your other systems. Once installed, Halo can automatically monitor security compliance rules across thousands of systems.
With one central point of visibility, Halo allows true on-demand use of infrastructure-as-a-service and the benefits of fully automated operations, whether deployed in public, private, or hybrid cloud environments.


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Look at this awesome dog and his baby chick (ducklings) entourage. He is most certainly the real chick magnet. Read more
FIVE of nature's most predatory animals have formed a bond. These baby cubs were abandoned by their moms and have formed an unusual bond. The baby animals - three lions cubs, a tiger cub, and a spotted Read more
Everyone Loves Baby Penguins Here are some wonderful baby Penguin Photos Be sure to See all of our Baby Animal Photos. Read more
True Animal Stories
March 11, 20130
Here at Baby Animals, we love stories of unlikely friendships between species. Meet Best Friends Jet the Dolphin and Miri the Seal. They formed an unlikely kinship at the Pet Porpoise Pool in Coffs Read more
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I just love baby teacup piglets. Teacup pigs are simply the cutest. Teacup piglets quick facts: Grow to be on average about 45 to 60 lbs and around "(it can smaller, or larger.) Live 15 to 20 years Read more
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|STiKS Academy Elite Travel Team Tryouts 2 years ago in Wisconsin
|by STiKS
|Wisconsin Rampage Select Holding tryouts August 20th 3 years ago in Wisconsin
|by Wisconsin Rampage Select
Online Golf Tee Times with Last Minute Tee Time Deals & Discounts
Cool Running is the complete online resource for runners.
Find your favorite campground from the best campgrounds listing!
What have you always wanted to do?


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City taking proposals on future use of the State Theater.
By BECKY MALEWITZ
Once a staple along downtown streets, ornate theaters used to be a highlight of entertainment. In Garden City, only one of the three entertainment houses that once captivated audiences still stands as a theater.
The State Theater, 418 N. Main St., opened on May 29, 1929, and until it's closing in 1999, was an entertainment haven for the people of Garden City, who to this day, have fond memories of the theater.
"I'm constantly hearing people say, 'I remember coming here as a kid,' or 'I remember working here when I was younger,' or 'My father used to manage the place,' or so many (other) connections," said Brian Seagraves, Garden City Recreation Commission arts director. "The city has so many connections to this building, it would be great if it continued to operate and serve the community."
Currently owned by the city of Garden City and used for a variety of community events, the building's fate is up in the air.
"Ideally, I would love to see it not necessarily restored to its former glory, but something similar and just as beautiful and to be used every week for something," Seagraves said. "We are going to put together a proposal to the city commissioners of how we think we need to proceed, and part of that is the community stepping up and telling the commission 'We think the State Theater is worth renovating.' We would like you to put some city money in to bring it back, and as a community."
With its fate yet unknown, what is not in question is the sense of nostalgia one gets driving by the no-longer-working marquee along Main Street.
"I have a big appreciation because I grew up with it and definitely want to see it used," said Brian Nelson, member of the Finney County Preservation Alliance and a Garden City native. "My grandparents came on dates here as I'm sure did my parents. Whenever we drive by with my grandma, she would say, 'I wish they would do something with that. It used to be so beautiful.'"
Long gone are the art deco furnishings that adorned the walls of the theater upon its opening, but the memories made over the years have been the driving force for those looking to restore one of Garden City's pieces of history.
"People talk about remembering getting their first kiss, and they can tell you exactly what seat they were sitting in. Other people talk about remembering the movie they first saw here; remember the movie they last saw here. People from just about every generation except for the youngest generation have some sort of memory from this building, it seems like," Seagraves said.
According to city documents, the building, which includes the small storefront at 422 N. Main St., is 10,000 square feet. It has a seating capacity of 411 in the main auditorium with space for an additional 94, as well as 86 seats in the balcony, with space for an additional 11.
The State Theater is currently available to rent for members of the public for a variety of events.
"We have hosted a sweet 16 party. We hosted weddings. We're hosting a private movie event that was auctioned off, so there are opportunities," Seagraves said. "We just want the community to feel like this is a place that can be used. ..."
There is no timeline of when or even if the theater will return to it's former glory, but both Seagraves and Nelson have hopes that someday a new generation will be able to make memories at the State.
"I would just love to see it up and running as a place to come see silver screen films and a place where people can come watch community theater, orchestras and concerts," Nelson said.
The city is requesting formal proposals for the use of the State Theater building.
The public may also offer suggestions to the City Commission for use of the State Theater.
Proposals will be received at the City Engineer's Office, 301 N. Eighth St., until 2 p.m. Dec. 13. Presentations to the city commission will then be scheduled in January. The proposal documents may be obtained from the City Engineer's Office. The documents are also available electronically. Email firstname.lastname@example.com for further information.
"I think it will be a slow process, and it will have to receive somewhat of a kick-start from the city and community to really get some of the basic needs to be open on a full-time basis," Seagraves said. "It just basically needs some TLC to get it running and back up full-time."
The next event at the State Theater will start Thursday, when the Garden City Recreation Commission opens its fifth annual Fall Murder Mystery, "Deadly Nightcap," by Francis Durbridge.
The production will run from October 11 through 14. Then, on Oct. 18, the theater will play host to a special showing of the movie parody "The Rocky Horror Picture Show."


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The University of Texas at Tyler graduate nursing program has been ranked as one of the best by the U.S. News and World Report's Best Online Nursing Programs, President Rodney H. Mabry announced. The UT Tyler master's and doctorate programs are ranked 11th out of the 101 online nursing programs surveyed. This is the second …
Tag Archive: best online nursing corse
Feb 19
UT Tyler Nursing Graduate Ranks Best
February 19, 2013
Tags: best nursing program east texas, best online nursing corse, best online nursing course, college nursing program online, East Texas, east texas college, east texas nursing, east texas nursing programs, nursing graduate east texas, online nursing east texas, online nursing program texas, President Rodney H. Mabry, Rodney H. Mabry, texas nursing program, tyler college, tyler nursing program, tyler online class, tyler texas, UT Tyler, ut tyler best nursing program, ut tyler college, ut tyler college nursing, ut tyler college online class, ut tyler doctorate, ut tyler master, ut tyler nursing graduate, ut tyler online class, ut tyler texas, World Report's Best Online Nursing Programs
Permanent link to this article: http://www.easttexasreview.com/ut-tyler-nursing-graduate-ranks-best/
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July 31, 2014
Robert Petrowsky is the American Constitution candidate for State Representative from District 61, running against Debra Irvine, Millie Hamner, Ellen Temby and Kathleen Curry.
Know more about Petrowsky by clicking the links below to his website and Facebook.
KKCO firmly believes in freedom of speech for all and we are happy to provide this forum for the community to share opinions and facts. We ask that commenters keep it clean, keep it truthful, stay on topic and be responsible. Comments left here do not necessarily represent the viewpoint of KKCO 11News.powered by Disqus


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Join 500,000+ artists on ConceptArt.Org.
Its' free and it takes less than 10 seconds!
sehr nice fastart, die farben in dem mini enviro sind klasse. Und geile sketchbookpages!
I dont know if there's come kind of Lysergic Acid coating the pages of your new sketchbook or something, but it seems like you've made big bounds since you started it up. Really admirable work man, loving those recent figure drawings, and your cartoony monsters and critters are always the best.
Nicely done sir, keep it up!
Really fun thread - thanks for sharing!
donalfall; okay.. i think thats the answer of my question about the stars..
you have to be paticularly
Fetsch; vielen Dank bro
AustenFM; come of lysergic acid? jeah it is
thanks man.. always trying to get better and better..
Cameronator; jeah.. i love fun.. ilove threads.. i love draaawing
So here some more digital updates..
first my final version of this dragon-piece from a page before..
Then my version for the weekly-challenge at digitalartforum.de
Was fuckin much fun to draw this one..
And at last my viking-guy-something.. wanted to join the chow this week
but i dont really think that this really rocks..
Thanks for taking your time to visit my sketchbook and dropped a line man, I really appreciate it. And I see that you've already posted some new awesome (and funny) works, it's really inspiring. It's exactly what I needed now I'm having some creative meltdown. Thanks man
keigo; woohaa.. thats what i love.. when i can inspire somebody
soo guys and girls.. finally my book is out now..
its a mix of poetryslam and illustration..
its a german poetryslamer called sebastian23
but he also was in new-york and on this link he also talks in englisch;
(Book is in german, i hope sometimes it will be translatet and in stores in america )
So here are some of the illustrations;
here the label where you can buy it;
And a lil funny video how sebastian and i met us
Last edited by FAST ART; December 9th, 2010 at 12:18 PM.
The book is looking really good! well done on that!
thank you really much kidult
here some more sketches.. i finally get a pentel-brush.. its awesome to work with
Love your sci-fi stuff, and style.
But I think you lose your color saturation in some cases, maybe pop them up with overlays.
My sketchy
my Blog
Something awesome:
Kevin Chen class demos
Hong Ly's photo sets
Sam Nielson blog
great imagination and even greater stuff!
Ooh, those pentel brush pen drawings look really nice! I'm thinking about getting one of those for myself now that you've brought it to my attention . Is it refillable?
Awesome updates though. I really like where the last sketch is going. Keep it up!
awesome updates man! love the pencil sketches! great character work, the last one kinda reminds me of something greg "Craola" simkins would draw!
Some Sketchbooks you should check out! --->
(expect this list to change alot)
heix33; thanks for that crit.. will keep it in mind
Parsakoira; thanks a lot
Austen FM; jeah it is refillable.. and i just can say; buy it.. its damn nice to
work with it
NickyBeats; Thanks
i´m doing livepainting at a poetryslam-event since a while. I got my laptop with tablet and a projector..
and here is what came out yesterday;
Grüße innen Ruhrpott!
Hier gibts ja seltsame Kreaturen vom Feinsten! Muß ich später noch mal besser anschauen, richtig schöne Monster!
Grüße zurück nach Portugal (schönes Land )
seltsame Kreaturen gibts in meinem Kopf ohne Ende
Here again some act-studies from live-model..
Last edited by FAST ART; December 29th, 2010 at 08:09 AM.
More Sketches! (I love this Pentel-brush)
du rockst die scheiße fett...fette beats...fette reime...oder so die sketchbookseiten sind hammer!
loved everything and post 437 and 439 a lot. very nice
my subconscious does not stop begging my conscious to draw.
hmm does that mean im a slave to my subconscious?
at least it doesnt beg for crack. ha.
That brushpen is pretty rad. Would love to experiment with something like that. Anyways, your digitals are sick man! Can't believe you capture such great form and color in the quick 2-5 minute figure studies. Keep up the good work!
a la pabsi;
i think you mean post 465 but thank you
Hey das ist mein Spruch Aber schön das ich endlich jemand gefunden
hab der ihn auch kennt
Danke für die netten Worte Dude!
thanks a lot
jeah it is.. i love this pen. you have to buy one of them
lil speedpainting from last night..
Love your variety of styles, sci-fi designs in particular are hardcore.
Love those pencils man, they're awesome. Keep it up!!
Check out:
Tancredi Valeri
HunterKiller; Thanks man
FrozZT; Thanks too
here a character with video for a weekly challenge at digitalartforum.de
VIDEO Part 1
VIDEO Part 2
hey man, just dropping by to say, "sweet shit!" love your traditional works as always, i actually went and got one of those pentel brush pens per your recommendation, and its beautiful! I haven't properly tested it out yet but i just cracked open a new sketchbook and i'm gonna get busy with it. thanks again for the heads up on that one.
Keep up the good work sir!
MAAAAN.. thank u so much.. hope too see a lot of great linework from you with this brush
Heeeey guys and girls..
I am right now working on a fanart for the wormworld-saga. Its a online-comic
from the great master of art `Daniel Lieske´
See the online-comic here;
wormworldsaga chapter1
So i was thinking about a fanart that could push my skillz more forward.
I wanted to try a new style. And also more content that makes the picture
I want to explain my way of work as good as its possible for me (with my bad english)
First i got an idea of a concept in my head. So the first thing to do is
do fix this picture in my head; sketching around! It was very important to
me to get this picture on the paper as like the picture looks in my brain.
Here i was painting very rough with colours to get a feeling for the
whole szene.. thats a great way to work becaus so you got all colours in
the picture and can use them for mixing around without searching in the
Then i go further with some details and sketches of my chractars.
And this is my current picture.. still in work
really awesome updates man! i love those brush pen pages!!! keep them shits comin!
Some Sketchbooks you should check out! --->
(expect this list to change alot)
thanks a lot man.. more brushpen stuff is coming
so here is a next wip for the wormworldsage from Daniel Lieske;
I really love your style! Awesome sci-fi stuff and character works. Such a great sketchbook you have here. Keep up the good work!
wow fastart das fanart für daniel, wird seeeehr nice, gleichzeitig auch mein favorite von dir bis jetzt. Der style passt auch super zu daniels finde ich, damit verdienst du dir aufjedenfall nen platz in den credits. Dachte auch schon daran was dafür zu machen, aber jetzt lass ichs wohl sein.


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what's up brother!!??mentllmatt on Monday, August 27, 2012 - 8:54pm
what's up brother!!??
Mentllmatt on Monday, August 27, 2012 - 7:51pm
well I hope the same thing brother !!!well anyway I just thot that I wood stop by & say hope that things R good 4 you?? & that this place is still on of my places 2 go & see if my friends & peeps are still there ??
going fishing this weekend, & wow we got some rain not like they did in florida, but we still got some rain, now in a few days maybe, I hope, I might get 2 mow my lawn?? & I know that sounds like a chore, but I will take that chore, cause with this drought, I haven't had 2 all summer & I miss it !!!!
Hello HFjdrwiggins on Tuesday, August 28, 2012 - 11:32pm
I just wanted to give a shout-out and say Hi. I guess that most have Ventured off to the other site. I guess I'll see you around when you visit. Later.
new siteMrBradshaw on Wednesday, August 29, 2012 - 9:54am
Hey what is the addy to the new site? cant find it anymore!!!!
Whazzzup!! It's Labor Day.jdrwiggins on Monday, September 3, 2012 - 8:36pm
Hey HF it's good that you've not left FEARnet yet. I noticed the many of the past regulars are going to the other site that many are spreading the word to join there instead, which will leave the few of us that have been here for many years to adjust to the new regime with the new FEARnet members that do not know how good it was back in the days. Hey Bro. I'm glad that school is keeping you busy, makes the time goes by. I also wish you well that you'll get to be on your own again.
HF I hope you're having an safe/awesome Labor day
what's up brother!!??mentllmatt on Wednesday, September 5, 2012 - 3:12pm
just wanted 2 give you a shout & say hiya !!!!
Hey HFjdrwiggins on Friday, September 7, 2012 - 10:58pm
Hey Bro. hope things are going well for you. I just wanted to stop and give a shout-out and say Hello. have some fun this weekend.
Subjectzombie_man on Wednesday, September 12, 2012 - 11:39am
Ha, its working now after all this time. I have to spend some time here now that you can custamize your page, but not anytime soon, very busy at the college, working with my professors with my shorts and novels. I'll offer a few shorts for free on amazon kindle, seriously, I don't know what's taking my editor so long, oh wait I do know. She's a full time student at und and works full time.I asked her to so these retards can't charge me for editing. I know if you get publeshed by a company than they assign an editor to you, but my self published shorts have no editor, plus if I want my novel to get publeshed I have to make certain ALL grammer and spelling is correct.
But anyway, sorry for blabbing about myself, how are you doing?


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More than one tradesman has accidentally destroyed a 2-stroke machine by accidentally filling it with plain gas instead of the required gas/oil mixture. With its 4-stroke engine, Makita's EK7651H power cutter (video below) does away with the need to carry two different gas cans and the possibility that the wrong mix (or a bad mix) might damage the motor—leading to the need for an expensive rebuild.
The machine takes a 14-inch blade and is designed for wet or dry cutting in concrete, steel, and masonry. According to the manufacturer the 4-stroke engine makes for smoother, quieter, and more efficient operation than is possible with similar (2-stroke) machines. Features include integrated retractable wheels, a hose connection, and automatic decompression (to reduce pull-starting force). The video below was shot in Las Vegas in January 2014 at The World of Concrete.
ITW Buildex adds three cracked concrete and seismic approved threaded rod screws to its...
Las Vegas-Paradise, NV
According to its maker this soon-to-be-released model will be the most powerful tool of...
David Frane
This accessory not only cuts, in a pinch it can be used for layout.
A federal judge dismissed an antitrust lawsuit charging most of the world's table saw...
Makita's EK7651H eliminates the need for a fuel/oil mix.
If you like tools and equipment, and couldn't make this year's show, here's your chance...
These impact rated bits can be used in the supplied handle or in a drill or impact...
Please read our Content Guidelines before posting.
Check out Tool Videos from our Editors and Contributors
Copyright ©
2014 Hanley Wood Media, Inc. All rights reserved.


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It seems inconceivable that you could take an oft-traveled four-lane road—known almost as much for the recklessness of its motorists during off-hours as for tedious back-ups during peak flow—add a huge shopping development and a slew of new housing at the mouth of its messiest juncture, narrow it to two lanes plus a middle turning lane and expect a happy result.
But Knoxville city planners say they've done their homework—and that not only will the Cumberland Avenue Corridor Project change traffic patterns for the better on the University of Tennessee's perpetually harried Strip, but it will also give that aesthetically challenged area a makeover, providing a shot in the arm for local merchants.
"What we're working toward is a safer and more economically viable Cumberland Avenue," says Anne Wallace, the city's project manager in the office of redevelopment. "Cumberland Avenue doesn't function well in its current configuration. Traffic backs up; the pedestrian experience is unpleasant. And the aesthetic appeal is poor. There are lots of areas for improvement."
The plan dovetails with—and is arguably complicated by—the more recent announcement of the University Commons Project, a 211,000 square-foot shopping center development slated for the old Fulton Bellows brownfield industrial site between Volunteer Boulevard and Alcoa Highway. University Commons will include a Walmart and a Publix grocery as well as additional retail and parking space; and bring an estimated 6,600 additional cars to the area's traffic flow. Cumberland's current daily traffic count is about 30,000.
So how is the Corridor plan supposed to work, and how will it function with the complicating factor of a huge shopping center thrown into the mix?
Cumberland Avenue has been the subject of some concern for years; but it wasn't until 2007, after a series of community meetings and design charrettes, that the city stepped forward with the Cumberland Avenue Corridor Plan. The plan birthed the Corridor Project, which was approved by City Council in 2008.
According to Wallace, the project seeks to achieve the end result of a more economically viable, user-friendly Cumberland Avenue via two endeavors. The first is a so-called "road diet," i.e. shrinking the width of Cumberland, reducing the lanes to an eastbound, westbound and middle turning lane, and widening the sidewalks on either side.
The second is through a shift to an urban design plan, through adoption of form-based zoning, i.e. zoning that will enable complementary mixed-use urban-style development—rather than single-use suburban—on Lake Avenue, White Avenue, and Cumberland.
Wallace says the road diet is different from traffic calming, in that it should make for slower but more consistent traffic flow—fewer speeders, but also fewer slowdowns.
"What happens now is the inside lanes on Cumberland become left-turn lanes," she says. "You have erratic, inconsistent behavior, accidents. So now you get that out of the flow of traffic, and it tends to make the flow more smooth."
She says planners looked at other cities—some of them college towns—who used similar methods to good success in formulating a strategy for Cumberland, cities like Tuscaloosa, Ala., Greeneville, S.C., and Chapel Hill, N.C. "These were all places that had renaissances in their downtown areas," Wallace says. "They improved economic vitality and created opportunities for multi-modal transportation. We're basing our plan specifically on those areas, but we're adapting those principles."
The streetscaping portion of the corridor project will be completed through a Tennessee Department of Transportation Enhancement Grant—an 80 percent grant that requires a 20 percent local match. The city is in the third phase (out of four) in the "complicated process" of securing the grant funds, and Wallace says construction will hopefully begin by 2013, and last 18 to 24 months.
In the meantime, if all goes as developers hope, construction on the University Commons Project could begin this year. (There's also a 13-house Sorority Village being constructed on Neyland Drive, just west of Commons, which will host 500 residents at full capacity.) Developers have reportedly said they hope to split the shopping center traffic between two entrances, one on Alcoa Highway and one on Cumberland.
"They've requested a traffic study to look at the impact on surrounding areas, the number of vehicles coming in," Wallace says. "They anticipate the traffic numbers will work. They do need to make key road improvements at Joe Johnson and Neyland Drive and at Cumberland Avenue and Metron Center Way."
As to the city's urban design plan, and the adoption of form-based zoning, Director of Redevelopment Bob Whetsel says a draft code is still under revision, having been reviewed once at a public meeting. Since the land use is not the determining factor in form-based zoning, the code has more guidelines with regard to building specs, and can thus be more complicated, he says. "We're trying to make it as simple as possible," he says.
Whetsel explains: "We have lots of single-story development on Cumberland now. We'd like to see a more intense move toward a multi-story environment, and the form-based code is a tool to help us get there. A short way to say it is we're trying to move toward a more urban environment."
Ideally, the code will by adopted and implemented by the time road construction gets underway. But the Commons Project is already planning an early glimpse of what's to come, in the form of Knoxville's first two-story Walmart.
The Cumberland Avenue Corridor Plan makes significant claims about what the Strip makeover could mean economically. At one point, the plan says the completed Cumberland Avenue project could "conceivably" result in more than $280 million in private investment over a 30-year period.
When pressed on such points, Whetsel admits that he "didn't write the plan." But he does point to real ways the plan appears to be bringing in new investment right now.
"There's a new Hilton Garden Inn proposed for Lake Avenue," he says. "The developer said he would not have proposed it if we had not committed to the streetscaping."
He cites another local restaurant franchise owner who invested $1.5 million in exterior and signage improvements based on the city's commitment to streetscaping and form-based zoning.
Community support, from local residents and merchants, has generally been good, Wallace says. "There are a few folks who would differ with us on how to get there, but I think most people recognize the benefits of the plan," she says. "Everyone would agree there are traffic problems. Some people would like it to stay the way it is and try other solutions, but they're a small minority. Most are in favor of the road diet. They feel it makes sense."
It's perhaps worth noting that one member of the Cumberland Avenue Merchants Association, a representative of a business on White Avenue, declined to comment, saying that, "The needs [Cumberland Avenue businesses] have are different, even though they're only up one street."
That opinion isn't shared by Graphic Creations president Debbie Billings, however. In addition to operating the business on Lake Avenue, Billings is a board member of the Cumberland Avenue Merchants Association
"I'm pleased with the direction that's come from the planning, the vision, helping Cumberland get back to where it needs to be," she says. "If you look at the turnover and vacancy rate that's hit the area in the last few years, the lack of investment—if this process had not begun, this area would have become a complete eyesore.
"It has the potential to be a front door for the university and downtown, and we're all really excited about getting this going."
She says of the University Commons Project: "I think it's a complement to the Cumberland project; I think it's fine. My only concern is addressing any problems that might come with traffic issues. That whole area has traffic issues that need to be addressed."
"I think the project is going to be really, really helpful for the area, just like what they've done for downtown," enthused Merchants Association President Mike Clark of the Goal Post Tavern. "It'll be nice to get nice streetscapes, nice sidewalks, bury the utilities. It'll grow the area."
Billings says that, "Early on, there may have been confusion as to what will be going on and fear of having to face what's going to happen. But now I think most everyone realizes it has to happen and has gotten on board."
© 2012 MetroPulse. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
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Comments » 2
- April 6, 2012
- 1:54 p.m.
- Suggest removal
- Reply to this post
jbrose11 writes:
From "Roads Gone Wild" in Wired magazine ...
"The old ways of traffic engineering - build it bigger, wider, faster - aren't going to disappear overnight. But one look at West Palm Beach suggests an evolution is under way. When the city of 82,000 went ahead with its plan to convert several wide thoroughfares into narrow two-way streets, traffic slowed so much that people felt it was safe to walk there. The increase in pedestrian traffic attracted new shops and apartment buildings. Property values along Clematis Street, one of the town's main drags, have more than doubled since it was reconfigured"
"Instead of widening congested highways, New Jersey's DOT is urging neighboring or contiguous towns to connect their secondary streets and add smaller centers of development, creating a series of linked minivillages with narrow roads, rather than wide, car-choked highways"
- April 6, 2012
- 2:51 p.m.
- Suggest removal
- Reply to this post
jbrose11 writes:
I do not see any mention of what sort of designs the intersections will be.
There look to be a lot of innovavative intersection designs,
What about cameras, sensors and using the Web for making it a "smart street?" UT's transportation research group could monitor it and use as a teaching tool.
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Eighteen Visions
• The Learning Curve: Bands Worthy Of A Listen
• 2006: Year In Music (Pt. 3)
• Check Out Bullet For My Valentine's latest single "Tears Don't Fall" from their album "The Poison"
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Years Active: October 1995 - April 2007
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I want to install Ubuntu like how you would to a hard drive so I can use it as a portable system. I do not want a Live install; I want something where i can install updates, install drivers, and things like that. I'm really confused because I made a persistent install using UNetBootIn in Windows thinking that would allow me to do that and yet when I booted I still saw the "Install Ubuntu 12.04 LTS" icon.
Have a look at this guide and video on my website on installing Ubuntu to a USB drive. It will help you do exactly what you want and it's very simple.
How to Install Ubuntu To USB Drives
Installing Ubuntu to an external hard drive or USB memory stick is a very safe way to install Ubuntu. If you are worried about changes being made to your computer, this is the method for you. Your computer will remain unchanged and without the Usb inserted, it will load your operating system as normal. When you connect and boot from the USB drive you will be given the choice to load Ubuntu or your usual operating system.
What we need to install Ubuntu to a USB drive is a computer, an Ubuntu live CD/USB, and a USB drive. 8 GB is the minimum recommended size for a functional and useable system (although 4 GB is the minimum). We recommend an external hard disk and at least 20 GB.
It is recommended to partition your USB drive, but not necessary, assuming you have 2GB RAM or more. Partitioning can be done from the Ubuntu live CD/DVD using 'disk utility', or from the installation partitioning menu.
We recommend using a Live CD/DVD and unplugging any other USB drives as this makes life easier. We will assume that you are using an unpartitioned USB drive and CD/DVD for this guide.
How To Install Ubuntu To A USB Drive
Insert the Ubuntu Live CD/DVD, switch on the computer and tell it to boot from CD/DVD using your 'BIOS'. It will take a couple of minutes to load and you will be presented with two choices. 'Try Ubuntu' or 'Install Ubuntu', you should select 'Install Ubuntu' You will then be presented with a number of options. You need to select the bottom option 'Something Else'.
This will bring you to the partitioning menu. Your Primary hard drive will be listed as 'Sda' followed by any partitions that are on it like Sda1 or Sda2. Below this will be your usb drive, it will be listed as 'Sdb'. Click on 'Sdb1' which is the only partition on the drive and select 'change'.
You need to select 'use this partition as Ext4 File System' (some distributions such as Mint reqiure you to manually select 'format' at this point). Then you need to set the 'mount point' as '/' which is the root file system and click OK. You will be taken back to the previous menu and that partition will have a tick next to it. Now click on 'Sdb' just above that partition, this selects it as the device to install to.
Now just below is an option for where the bootloader is to be installed. It is VERY IMPORTANT that you CHANGE THIS OPTION. THE BOOTLOADER MUST BE INSTALLED TO YOUR DEVICE listed as '/dev/Sdb'. If you do not do this the bootloader will be installed to your internal drive. You are now ready to install to your external device, simply click 'Install'.
You will need to answer a few simple questions like 'name' and 'create password', then you can sit back and relax.
Additional Information
You will need to tell your BIOS to boot from the USB device each time you want to use it. You can easily set USB as your first boot device in the bios, and your normal system will load if the device is not connected. Do not be surprised if your Usb installation takes 3 or 4 minutes to fully boot, especially when using a cheap Usb memory stick. If you choose to install from a usb drive instead of CD/DVD, or you have multiple hard drives and Usb drives connected you need to make sure you are installing to the correct device, as it may not be sdb.
The easiest way to ensure that you are installing to the correct device is to use disk utility. Open disk utility before connecting the device and note the devices on the left. Then connect your device and it should appear at the bottom of the list. Click on that device and look at the top right of the window for 'Device'. It will say something like 'Device : dev/sdc' and so 'sdc' would be the device you need to install to.
The persistent install is persistent the way you want it -- the menu shows "install" option anyway. Just select "Try Ubuntu" to boot your custom Ubuntu.
Use Universal USB Installer to install Ubuntu on USB
Boot the USB
Select "Try Ubuntu"
Go to settings
Create ur own user account.
That's it!! U have a Ubuntu persistent USB


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Mossberg Action Tube Nut 6-3/4" Mossberg 500 A 12 Gauge, 590, 835
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The rumor mill has been churning for years about the next owner of the Buffalo Sabres, but it was usually baseless chatter cooked up in blogs and message boards that was kicked aside as nonsense.
Terry Pegula's quest to buy the Sabres is very real, very possible and, it appears, quite probable.
Pegula has more than enough money and would become one of the richest -- if not the richest -- owner in the NHL. Tom Golisano is looking to sell the franchise to someone who will keep the team in Buffalo. Pegula is a passionate Sabres fan who lived in the area for several years. My guess is he would love to bring a Stanley Cup to Buffalo.
I haven't spoken to Pegula yet, but everything I hear about the guy has been positive. It sounds to me like he could be the ideal owner of the franchise. At this point, I would be surprised if an agreement wasn't reached.
Western New York should start get ready for a new era of Sabres hockey.
--- Bucky Gleason