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Jotaro Saito's Kimono Collection
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Creating a fairer Britain
We have launched an inquiry into the protection and promotion of human rights of older people requiring or receiving care and support. Read on for answers to frequently asked questions about the inquiry.
All public authorities have duties to promote human rights. At its most basic, care and support offers protection of people's right to life under Article 2 of the European Convention by ensuring their most fundamental physiological needs, such as eating, taking medication, getting up in the morning and going to bed at night are met. But for those who require it, and those with whom they share their lives, the availability and organisation of care and support also determines whether they enjoy a number of other important human rights including freedom from inhuman and degrading treatment (under Article 3 of the Convention) and the right to respect for private and family life (under Article 8). These rights are underpinned by some important human rights principles: dignity, autonomy and respect.
These rights - and the principles behind them - are at the core of what good care and support should mean at a day-to-day level. While they may sometimes appear abstract, they are really about such mundane things as eating a meal when you are hungry rather than when a service wants to provide it; having a bath in privacy and comfort; maintaining contact with your children or your grandchildren.
There are different types of potential risks to human rights:
i) Risks of human rights breaches by default or omission
Many of the risks to human rights we anticipate finding evidence on are likely to be the result of lack of understanding or systemic failure to take account of human rights issues (when commissioning services for example).
There may also be unintentional breaches that arise from a particular home care provider giving poor care that leading to neglect or which otherwise falls short of human rights standards.
ii) Intentional human rights violations
We know that there are also likely to be some instances of intentional human rights violations (e.g. undignified or degrading treatment, abuse or neglect) - but the incidence of this kind of knowing malpractice is likely to be lower than 'risk by default'.
Examples of the kinds of specific risks we will be looking for include:
Details of the Terms of Reference for the Inquiry can be found here
In Scotland human rights in social care is a matter for the Scotish Human Rights Commission. In Wales social care is a devolved matter. There are key differences in approaches to homecare between the countries. For example in Scotland there is a different legislative framework and personal care is provided free of charge. In Wales the debate on the future of social care has taken a very different shape to that in England.
The scope for the Inquiry covers community based domiciliary social care. This includes 'supported living' arrangements and 'extra care housing', where people are living in their own flats or rooms within a communal building, but excludes all forms of residential or nursing care homes. The type of assistance typically provided by domiciliary social care services includes things like:
Despite the potential risks to human rights when care is provided 'behind closed doors' in people's own homes, much greater attention has been paid to the human rights of older people in institutional settings such as hospital, residential and nursing care, including the recent Inquiry by the Joint Committee on Human Rights (into the human rights of older people in healthcare).
There has not been a systematic inquiry into the human rights of older people receiving or requiring home based care and support. This is surprising as only a small proportion - less than 5 per cent - of older people move into residential care. A far higher proportion use home based care and support services, involving significant amounts of public expenditure. Two thirds of all expenditure on social care for older people is on home care.
There is no consistency among studies as to what demographic group constitutes 'older people'. The term is used for age-groups starting from as low as 50 years. However, the most frequently used definition is people aged 65 years and over. Therefore, 65 and over has been adopted as the definition for this Inquiry.
A significant number of older people fall into categories that make them disproportionately vulnerable to human rights violations – for example, if they:
Moreover, older people are not a homogenous group and some will have experienced prejudice or discrimination earlier in life (such as racism, sexism, homophobia or through being disabled), which typically follows them into old age and could make them especially vulnerable to violations of their human rights. In particular, a higher proportion of older people experience disability; between the ages of 16 and 19, the prevalence of disability is about 7%, increasing to over 35% for those aged 60 to 64, and to 59% for people over 85. Not all are at risk of human rights abuses – for example, some people over 50 are affluent, enjoy good health and participate fully in their communities.
While the Inquiry is focused specifically on older people it is also important to note that the majority of users of social care are likely to be disabled for the purposes of the Equality Act 2010.
The Commission's Disability Committee, chaired by Mike Smith, were consulted during the planning stage of the Inquiry and their feedback has been taken into account in drawing up the final plans.
Evidence from older people, their family and friends will provide examples that will illustrate the personal impact of lack of attention to human rights on those receiving homecare. It will also flag up key areas of concern for those receiving services that can be fed into the other stands of evidence gathering (e.g. survey design).
Evidence from workers will highlight the extent to which home carers are trained and encouraged to support older people's human rights. It may also include examples of 'whistleblowing', exposing poor practice, neglect and abuse.
Third sector, including advice and advocacy bodies, will provide insight at a local/regional/national level of the issues that they have dealt with.
All recommendations will be robust and rooted directly in the Inquiry evidence base. We will draw on the expertise from our Advisory Group in discussing recommendations and ensuring that they are both practical and effective in addressing any areas of concern highlighted in the evidence base. In formulating the recommendations we will focus on evidence of good practice and look closely at how and why this has worked so that we can formulate recommendations on wider application.
The Advisory Group for the Inquiry includes senior representatives from a wide range of stakeholder interests including organisations representing older people and carers, home care providers, trade unions, regulatory bodies, and central and local government.
We recognise that the Inquiry is taking place against a backdrop of major resource constraints for public bodies so will also pay particular attention to affordability and feasibility of our recommendations.

subset: commoncrawl


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Your house is the life advantage. And it is a matter of time when you take a notice that the house needs renovation – not because it is becoming old, but because you're feeling the demand of lively colours in …
Online Video Advertising
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On-Line video advertisements (that include an element of ad safety) has rapidly become among the latest styles in online marketing. Stay in front of the contest and to continue with this fast paced style, most individuals are using on-line …
Choosing SEO Services
by shathor • • 0 Comments
Brought to you by Moncton SEO:
There is been a storyline brewing for quite a while in regards to the effort by Jason Gambert to trademark the word "SEO".
Gambert maintains the words "search engine optimization" have no actual …
Beginner Woodworking Plans
by shathor • • 0 Comments
Beginners in carpentry hopefully find out a lot about their new avocation and specifically about small woodworking project strategies with this page. At least, that was my goal when creating this page here.
Woodworking is a rather innovative action. You …
Choosing A Reverse Mortgage Consultant
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When you're thinking about cashing in on your house's equity, there's nothing as safe and suitable as a reverse mortgage. You will discover you could receive an amount equivalent to your own house's value and still stay in your …
Treatments For Kidney Stones
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Very frequently, kidney stones have no symptoms whatsoever, but nonetheless, it actually is dependent upon its size.
The very first hint of this is generally perhaps nausea, blood in the urine, and pain and vomiting. The pain could be found …
A Chiropractor Will Benefit Your Health
by shathor • • 0 Comments
It might come as a surprise because they're still unaware of the advantages that chiropractic care can offer them that in any given year, 10% of the American population suffers.
Advantages Provided by Chiropractors in Charlotte, NC
To understand whether …
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Tech Of Landscaping Maintence Water Conservation
by shathor • • 0 Comments
To have top quality sprinklers, particularly when you've installed an automatic sprinkler system in your yard. It is essential to allow them to continue more to do regular maintenance in your existing sprinklers. Lawn sprinkler and landscape maintenance also guarantees …
What Does A Financial Manager Do?
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Dallas Investment Real Estate
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If you are a knowledgeable property investor then you know that investing in Dallas property is a fantastic method to earn some cash since the property market in Dallas is quite good right now but if you are not comfortable …
Home Improvement
Slipcovers For Your Office Chairs
by shathor • • 0 Comments
Even though you're always trying to make the largest impression for all your new customers (and existing ones), avoid being scared on account of your furniture covers in your office and keeping your office clean. Nevertheless, you'll still need …
Shopping For Corporate Gifts?
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Corporate gifts play a critical part in showing your admiration and respect for a small business associate. These gifts could be given to customers, along with colleagues. It demonstrates that you simply love working with them, whenever you give your …
Video Production Technologies
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New technologies in video production in Dallas gear along with the development of video–especially digital video–as an acceptable medium for film has really made it feasible for nearly anyone to become a film director virtually overnight. As the price of …
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Having problems getting your contacts to stick with their appointments? The Phone Teacher, Gail Goodman has some great advice for you in this video.
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Yes, Lasers Are Not Good For The Eyes
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An optometrist in the Plano Texas area, Albert Pang, O.D, is featured on News8 in Texas. In this interview he is asked about the green laser beam that was directed at a medevac helicopter in Texas while it was …
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Can't wait to get the boat out. Look at this vid from Crowley Marine.


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Finally found the best mobile drawing app for me, so I can sketch on my phone. Sketchbook Pro. ♥
May or may not have spent my evening drawing Cyberdoge. c.c
Just finished a Halloween poster/banner for my friends awesome jewellery shop, Electric Sheep!
Decided to christen my new computer by drawing a squid girl. That is all. :P
Current colouring commission WIP.Lines and character belong to Candy Geisha.
Not sure who/what it is, just felt like drawing something with a craggy head.
All done!
Worky worky - need more hot chocolate though, before my tumkin tries to kill me more.
All done, I think!
Still working on my demon OC, currently working out colours.
Sketch all the noodley OCs!
Yes she will be getting clothes, just figuring out her body first. :P
Draw ALL the lineart!
Going to have far too much fun with this Pokémon mixer thing.


text:
Map and Directions
Clinic Home Page
For the buses that serve this location, please use Metro's Trip Planner.
Location Map
Contact Information
Swedish Pine Lake Primary Care22707 S.E. 29th St.
Sammamish, WA 98075
Phone: 425-455-2845
Fax: 206-861-8602
Monday-Thursday, 7:30 a.m.-6 p.m., Fridays, 7:30 a.m.-5 p.m.
Find a Clinic by Neighborhood
Patient Resources
An easy way for you to access your Swedish health information online, quickly and securely.
Get first aid and parent advice on the go with Swedish Kids Symptom Checker app, now available for iPhone and Android. Download the free app here.
Health Classes
View complete list of classes »


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• Luggage
• Mature
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• Sitemap
GoShopping.com is a price comparison shopping website where users can compare prices in order to save money, write and read products and stores reviews, set price alerts and save their favourite items. All items along with their prices, pictures and descriptions are submitted by third-party websites and we cannot be held responsable in any way for the submitted content. If you have any concerns about content on our website, please contact us.
Thank you for your visit and we really hope that you can find exactly what you are looking for! Our website is fully integrated with Facebook so if you want to share your favourite items with your friends, save them into a shopping list or set price alerts, you are invited to open an account with us! It's a 10 seconds registration process!


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This past weekend installed- Subject- Pump in my cottage to replace old pump shallow well configuration.
Primed pump and got water to taps. I also got a spray of water from the rubber gasket between Ejector and Pump housing. Also tried another type gasket material with same results.
Amy Ideas? Could matting surfaces not be flat?
Dirt Water Fox


text:
You are in: United States Change location
Creating a World where Animal Welfare Matters and Animal Cruelty has Ended
Apr 1, 2011Norway's 2011 whaling season has officially begun ahead of renewed calls for the Norwegian government to rethink its whaling policy.
Mar 11, 2011WSPA has endorsed a ballot initiative being promoted by Washingtonians for Humane Farms – a coalition of animal protection and environmental groups, family farmers and food safety advocates working to end the extreme confinement of egg-laying hens in tiny cages.
Mar 8, 2011Globally acclaimed singer Leona Lewis has lent her support to a campaign against the spread of industrial dairy farming in Britain.
Feb 28, 2011Following discussions with WSPA, eBay decided to amend its policy in Korea to prohibit the sales of pets on its Korean website, Auction.co.kr.
Feb 18, 2011Thanks to the actions of thousands of WSPA supporters, Swedish and Finnish authorities are taking steps to end reindeer suffering.
Feb 18, 2011Following intense stand-offs with activists, Japan has pulled out of its annual whale hunt in the Southern Ocean mid-season.
Feb 16, 2011After a year of campaigning against Nocton Dairies' plans for a factory dairy farm in Lincolnshire, England, WSPA is thrilled to announce that the plans have been withdrawn.
Feb 11, 2011WSPA and several other groups recently petitioned the U.S. Department of Commerce and the U.S. Department of the Interior to impose trade sanctions against Iceland.
Feb 8, 2011On Jan. 30, WSPA member society the Bioresource Research Centre (BRC) rescued three more bears from bear baiting in Pakistan, and transported them to the newly-opened Balkasar Sanctuary.
Feb 3, 2011Despite a late start to this year's whaling season, activists have seen a Japanese fleet hunt in a designated sanctuary.
Total Results 56Previous
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Connect with WSPA on:
| WSPA USA, 450 Seventh Avenue, 31st Floor, New York, NY 10123 USA, Phone (Toll Free): 800-883-9772 | WSPA has General Status with the Economic and Social Council of the United Nations


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Lithuania Incoming Tour Operator grandbaltics.com
Central, Lithuania Sight-Seeing Tours
Marvellous guaranteed tours to the Baltics. Hotel reservations, transportation, sightseeing, activities, SPA breaks, conferences, incentives and city breaks in Latvia, Lithuania, Estonia. ...
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Rent a flat in Vilnius
Vilnius, Lithuania Bed & Breakfasts
Three-room suite (total area 105 m²) in the penthouse of 4-storey building in the center of the historic part of Vilnius. After a rather long ascent you will be pleasantly surprised by the wonderful scenery of t...
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Rent in Vilnius Old Town apartments
Vilnius, Lithuania Vacation Rentals
We offer for you high class apartments in Vilnius Old Town. There are simple and luxurious, from two to four rooms, one or two levels and all around Vilnius City Hall. Most of apartments are renovated and modern. All apartments are equipped and ready...
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Rent An Apartment In Vilnius, Short Or Long Term
Vilnius, Lithuania Vacation Rentals
Apartments for short and long term rentals available in the city centre and Old Town. Please contact us for more options and we will find you your perfect apartment. All apartments come with fully equipped kitchens, free internet, towels provided....
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The Hotel Offers Modern and Comfortable Rooms With Many Conveniences, As Well As a Good Restaurant, a Spa Centre and Tennis Courts. ...
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Holiday Inn Vilnius is located in the city center and the heart of Vilnius where you can find numerous pubs, restaurants and museums that beckons you to ...
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Crochet All Day Little Piglet Bag
- Pattern Type
- All Crochet
- Bags and Totes
Designed by Sharon Braden, these bags are crocheted and then felted. Directions include pattern and instructions for felting and optional lining.
If you like the Little Piglet Bag, you might also want to check out the regular Pig Bag pattern as well!
Materials: 1 (4 oz) skeins of feltable wool in color of your choice, and small amount of black feltable wool for the feet. 18 mm round black beads (or buttons) for eyes and button for closure.
Crochet Hook: Size N
Printed on 100% recycled paper and enclosed in a heavyweight plastic sheet protector.
We currently have 5 copies in stock and available — we first started selling this in March 2009.


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It should be in the trap straight down from the drain.
The trap is a "J" shaped piece of pipe...
How do you get something out of a shower drain? I dropped a tool down the drain...now all I see is a dark hole and a little water, no tool. I need a high powered magnet. Any suggestions ...is the tool gone forever or will it stop things up later? I know I need to call a plumber but I was wondering if anyone had some advice before I tell my husband his twenty dollar drill bit just fell down the drain.....? help....
How do I get that thing out of there???
It should be in the trap straight down from the drain.
The trap is a "J" shaped piece of pipe...
How do I remove it?
In a shower, not under a sink....
Underneath the shower is a P-trap, which will prevent the bit from going further. If the shower is on the first floor the P-trap will be accessible from the basement (if you have a basement). If it's a glue-together trap it will have to be cut out and replaced.
You might have the right idea about using a magnet. Most places that sell tools sell a small magnet on the end of a thin telescoping rod. This would probably work to get it out too. Another alternative is a tool called "mechanical fingers" that you could try.
Either of these tools can be found at most auto parts stores.
Thanks. I'm thinking the magnet would have to be pretty high powered to pick up that fairly heavy drill bit. Where's a high powered magnet when you need one?..I could bend a hanger and tie it on the end ..but I have no magnet. I had a nickel plated shower drain and wanted to change it to the oil rubbed bronze. That cost 18 dollars. Then the screw broke. 20 dollars for screw remover (now in drain). A plumber will probably cost $150 dollars. SOO..my new drain cover will end up costing around $200.00. I need to go lie down....
Your husband will undoubtedly get it out.
I just post cuz I like to see my avatar.
Why would you tell him? You are newlyweds arent you?
Magnets on a telescoping rod are available at most any auto parts store and they don't cost very much. Handy gadgets to have around anyway. I'd sure try that before cutting the P trap out.
If you have a shop vac with a small hose it will suck the water out, and maybe the drill bit also, but at least you would be able to see it. Then a piece of gum on a stick might retrieve it. There is little possibility that it went around the trap and into the drain pipe.
No, we're not newlyweds. We've been married 25 years. I have good news! I found a piece of magnetic stripping. I taped it to the end of a telephone cord. Then I manuevered it down the hole with a hanger...and a "higher power" blessed me with that 20 dollar drill bit! I'm so thrillled! I still have a broken off screw but now I can start all over. THANKS!
Just to see you smile
I'd do anything that you wanted me to
When all is said and done
I'd never count the cost
It's worth all that's lost
Just to see you smile
Tim Mcgraw
I just post cuz I like to see my avatar.
It may be even simpler. The bit should be right below the surface of the water in the trap. Find a kid, say 4 yrs old, with small hands. Remove the drain cover/grate. Put a glove on the kid, and have him/her reach in and grab it. Reinstall grate. Get kid an ice cream cone, or other favorite treat.
Great job!
I did almost this same thing installing my shower, I dropped the little brace you tighten up the Oatey no calk drain with right into the trap. I bought a tiny little horseshoe magnet in the science project drawer at blue box by all the screws (~$2). I tied some twine to it and dropped it in, worked great! Feels good to work around something like that.


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Chief designer of the Ford Mustang said that the new generation will try to adopt as more modern light design, without abandoning retro influences.
From a long time, Ford had nothing to be worried about, being the strongest muscle car in its segment, where the Mustang was the absolute master, but once with the advent of the new Chevrolet Camaro and Dodge Charger, the Americans from Ford were not so sure of their status. That is why the launch of a new generation of the best-selling Mustang is a paramount challenge for the blue oval designers.
Jay Mays, Ford design chief, said last week that the current model will get a new look, however to increase the customers appetite. The designer refused to talk about how the new generation of muscle-car will look like, expected to debut in 2014, right in the year that Mustang goes on a 50 year of existence.
Only this venerable age will make the next generation to give a retro largely look with the one we have used to. "The opportunity to launch the new generation in the year that the model celebrates half a century should make us want to satisfy the all current fans of Mustang, but also to help us win new ones. No doubt the model should still look like a Mustang at first sight. But to do that we do not need quite many elements to define the aesthetic", said Mays.
Thus, the new generation of the highly acclaimed model on the American continent will try to address to a new direction of design, but without abandoning the traditional influences and elements of a retro muscle car.


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- Musician's Friend Best Selection, Price & Service. Guaranteed.
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Need Help? Ask our Experts or call 800-449-9128
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A wireless transmitter and receiver with in-ear headphones to better hear your performance.
The Sennheiser ew 300 IEM G3 In-Ear Wireless System helps you to hear better as you perform. Featuring an adaptive-diversity receiver, the Sennheiser receiver pack uses the headphone cable as a secondary antenna for flawless reception. Ear-canal phones, with various ear-fitting pads for an individual fit, reproduce the signal from the adaptive diversity receiver precisely and faithfully.
Pass-through outputs allow easy splitting of the input signal to travel to other devices. Personalize the sound even further with the 5-band equalizer integrated into the transmitter. Lastly, the entire set can be monitored and remotely controlled with Sennheiser's Wireless Systems Manager software using the built-in Ethernet port on the stereo transmitter.
Get a chance to hear how you really sound with this in-ear system. Order today.
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Comments about Sennheiser ew 300 IEM G3 In-Ear Wireless Monitor System:
Glad I bought this. Crystal clear sound easy to use rugged construction. Being wireless makes performing so much easier. I would recommend this to any one using IEM's. It is the only way to go.
Best Uses
Comments about Sennheiser ew 300 IEM G3 In-Ear Wireless Monitor System:
I bought this IEM after a week or two of debating other models such as the ones Technica, Shure, and other have out there for cheaper. I have band and we play shows two - three times a month, in which I am the lead singer. The last show we had prior to me buying this, we hired a sound guy and he had one of these which I borrowed. Loved it! If your sound guy is awesome and mics everything correctly, you will have everyone in your ear to include yourself. I normally sing off of the bass or drummer based on the song and the timing so having everyone, to include back up vox is so awesome. So after I found out it was the same unit I had already used on stage I bought it. I began using it in practices in order to save my voice as well. God I love this thing. We practice once a week for about four hours and before using this I would have a very hoarse and sore voice after only an hour or so. With it I can last the entire practice. It truly helps you so that you aren't screaming over your guitarists and drummer to hear yourself and you can fine tune yourself ON THE SPOT if you hear you are a little flat or sharp. I would highly recommend this unit for any musicians that are playing in bars or small shows. It's well worth a 1000. Past this model, you get in to the 5K range and don't need that unless you are doing arena's or something.
CONS: the directions suck for showing or telling you how to hook this up to your board. Best thing is to go through the AUX sends for practices and then watch your sound guy hook it up for a show and see what he does to modify the sound in your ears.
PROS: Awesome sound, volume switch on body back, clarity in your voice, ability to hear all band mates at once.
Best Uses
Comments about Sennheiser ew 300 IEM G3 In-Ear Wireless Monitor System:
Just purchased this unit for our worship leader. I ran it out of an Aviom A16 II and it sounded great, no phasing, no dropouts, and crystal clear sound. He loved not being connected to a headphone cable. I'm considering buying more units now for the other vocalist. Great buy!
Best Uses
Comments about Sennheiser ew 300 IEM G3 In-Ear Wireless Monitor System:
If you saw my last review, its been about two weeks. We have put a total of 10 hours on the batteries and they still show 2 bars which is approximately 70% left.
Using a click is amazing it just keep the tempo steady. And why I love using a click is cause if there is a cut out going into a chorus or something like that everyone comes in exactly on beat 1 instead off a little before or after if that all makes sense.
I also play electric guitar and I can hear everything so so clear. I much more confident in my playing. If you are even thinking about getting these just do it, it changes your playing forever and you cant go back to floor wedges.
One problem we had at our church is that everyone wanted more of there self in the monitors so everything was just blasting and we couldnt get a clean mix out in the house. That is all fixed now because of these. Thanks Sennheiser for an awesome product!
Best Uses
Comments about Sennheiser ew 300 IEM G3 In-Ear Wireless Monitor System:
This is the best wireless system you could get for this price. If you want a cheaper one there are more out there for less. But this sennheiser goes beyond all of those. The features are far beyond what i even need. It has a limiter which is very important if you dont want peaks in volume. ALSO it has two inputs to run stereo, but I use two recievers so we run two seperate aux sends and pan the receivers left and right so we each have our own mix. All on one transmitter and two recievers. At our church and we run a click track so the drummer and leader each have these in-ears and the clarity is awesome. The channel that it came set on works with no problem with our setup and we have other wireless systems going. Also if you are worried about range you will be fine, i went outside my church with this on and the band was playing and I was a good 500 feet away and still getting signal and that was throught a few brick walls. It has 1680 channels so you will have no problems with that. Also the earbuds that come with the system are decent. They are small so they can be hidden in your ears easily but i would probably recommend a better par so they wont fall out. Overall you cant go wrong with this system. If you cant afford it dont buy shure systems go with an Audio-Techna M3 or M2 system.
Best Uses
Comments about Sennheiser ew 300 IEM G3 In-Ear Wireless Monitor System:
This system has plenty of the bells and whistles more than I need for my application which is some in-ears to protect my hearing in a live band performance. Currently, only two band members including myself are using these - the drummer is using a different system. Got it up and running quick out of the box. A little better explanation in the manual of mono/stereo modes on the transmitter, along with focus/stereo modes on receiver for mixing two different input signals would be helpful. I like being able to dial the balance of myself with the general band mix from the receiver. I understand that other systems do this as well by a different description. Metal frame gives it a durable appearance, but I went with the additional warranty to cover accidental trauma. The snake feed and input to the device is on a drum-riser and the last thing you would want to hear is your device getting launched by a 'quick to exit' drummer at the end of the night. You can rackmount it with the included accessories.
Comments about Sennheiser ew 300 IEM G3 In-Ear Wireless Monitor System:
For a top quality wireless in-ear monitor system, I can't think of anything better than this unit. It's pricey, but as the saying goes, you get what you pay for, and this system delivers in spades. Versatile, loaded with features, beautiful sound, and relatively easy to use, once it is set up. My only big complaint are the earbuds - These things are, in my opinion, not remotely stage-ready. Possibly if you are a classical musician, sitting in an orchestra and not moving about, but if you're doing any amount of moving around on stage, you'll be forced to make an additional purchase of more durable, more secure earbuds.
This thing is loaded with excellent features. Built-in EQ, many different bands with numerous channels within each band to choose from - making it extremely versatile and easy to use this device with many other wireless devices, even in an urban environment where free radio frequencies are at a premium. In addition, sychronization between beltpack and transmitter is a snap with the infrared communication - just set them to sync, "show" them to each other, and done. All these features came at a bit of a cost, though...so, so many choices (on both transmitter and receiver), and it took me a good twenty minutes to get everything set up correctly.
Quality? No contest. This is Sennheiser. Once I got everything set up correctly and was able to test out the system, it sounded *beautiful*. Crystal clear highs, full lows, and I walked all over my house (upstairs, basement, even outside) without a single dropout. The casing for both transmitter and receiver are metal - not plastic (with the exception of the battery lid on the receiver), so I would think it can take a bit more abuse than most.
Here's where the unit, as shipped, comes under my scrutiny. Now, for a Sennheiser product, I expect to pay a higher price, but they really skimped on the earbuds. These things, while sounding beautiful, are easily as flimsy as knock-off brand earbuds you'd buy for an iPod. The wire is the same, black, wispy rubber-insulated stuff you find on cheap earbuds (you know, the ones that rip in half when you happen to accidentally tug on the connector), and there are no over-the-ear hooks or stiffness in the wire to help keep the earbuds in your ears. (I've always hated standard earbuds, because they *never* stay in.) During my walk-around of the house testing the system, all I had to do was move my head around a few times, and the earbuds were falling out - even using different pads (the buds come with three sizes). On stage, I'm going to be moving around a lot more than that, and I can't stop playing my bass every 30 seconds to stuff an earbud back into my ear. As it stands, I am *forced* to purchase a more durable set of earbuds just to use this beautiful device, and for the price they are asking, they should have included something you can actually use, on-stage, right out of the box.
Our product catalog varies by country due to manufacturer restrictions. If you change the Ship-To country, some or all of the items in your cart may not ship to the new destination.


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April 24 2014 Latest news:
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Oliver Gover
Thursday, November 10, 2011
Boris, and it normally is just Boris these days, is a figure in British politics who is hard to miss, easily derided and very difficult to pin down.
He is the posh former Bullingdon Club proto-yob who today is a quip-making fun figure on TV. In addition, Johnson is also the most serious Tory challenger to PM David Cameron and currently runs London as Mayor of the capital city.
Defining the man is still difficult after reading Sonia Purnell's page-turner biography Just Boris.
As with the man, so with his name. Taxi drivers call him Bozza, Alexander Boris de Pfeffel Johnson appears on his birth certificate, while his close friends call him Al.
Near the end of this juicy book Purnell writes that Boris "disappoints far more than he offends".
Desperate ambition is certainly what rolls off these pages. What is interesting is how often Johnson has looked close to being sunk by some storm, but has then bounded back from said "inverted pyramid of piffle" (as he personally labelled one sex scandal).
Boris's unconventional, 'classical' take on marital relations and his spell as editor of The Spectator or "Sextator" at it was known during his stewardship, as well as his haphazard parliamentary career, would seem to make him an unlikely Mayor.
Real political success for Johnson often had seemed just around the corner, but always out of reach – until he unseated Ken Livingstone from City Hall in 2008.
From this book emerge two version of Boris. One of them will not be familiar to viewers who know him only from television. How they both intermingle will be intriguing for fans of UK politics.
On the screen, Boris mark-I fights his way out of a tight corner by using humour. The second is a ruthlessly ambitious political operator who deploys humour as a highly effective tool. Both are so obviously intermingled that it is strange we rarely see Boris mark-II.
The 'Boris' brand which is today his biggest political asset and that has served as bombproof armour in various storms of all kinds, was forged at Oxford University.
Purnell, who knows Johnson from working under him at the Brussels bureau of a national newspaper in the early 1990s, traces this persona to his quest for power of the Oxford Union, a paving stone on the path to power.
Johnson lost his first bid to be president, writes Purnell, because he failed to campaign to students outside his Eton/Bullingdon circle.
Next time was a different story. 'Boris mark- II' crushed his enemies to secure a thumping victory – like the Terminator robot played by Arnold Schwarzeneggerr, who Johnson later labelled a "monosyllabic Austrian cyborg".
In in stark contrast to the robot which made the Govenator famous Johnson deployed "humour, appearance and a nice line in self-deprecation" which are today his trademarks - though City Hall has made him somewhat more buttoned up.
The real Boris who resides in City Hall is mark-II Boris, claims Purnell. The man whom cab drivers affectionately call Bozza. Here is a 21st-century toff - comfortable in his own skin and forgiven by voters for a list of personal indiscretions.
In contrast to that is "Boris mark-I" who is much to fear (for Boris himself). Allegations of racism surfaced after a column in which he wrote of being struck by the "watermelon smiles" of a welcoming party of natives on one foreign trip.
Purnell claims it was an 'extraordinary power to charm different people with different views and convince them of his sincerity" which allowed Boris to defuse this explosive situation. Equally plausible though, is that the allegations failed to damage him because they were untrue.
This reader also wonders how much Machiavellian cunning Johnson had to deploy to see off sex scandals. His rival Ken Livingstone also has had unconventional domestic arrangements. Indeed the Labour candidate has just revealed all in his autobiography.
In short, such behaviour is very London. No need for Johnson to abandon hope of ever holding office in the capital city over it.
This biography of London's most powerful politician is full of that sort of juicy detail, from mysterious unnamed sources (a few too many, in fact). Purnell has a chatty informal style that keeps the pages turning over. Of course, so does her intriguing subject.
A problem with this tome is that having tried to axe through the façade to reach 'Just Boris,' Purnell uncovers little that is not already known to the reader with some political nous. But that is no reason for these readers and also readers uninterested in politicsa not to read this book.
Do bumbling buffoons really make it to the top in politics? No, they do (usually) not. But a politician can by cultivating a genuinely popular image. That is what lies at the heart of this book and perhaps of Boris Johnson himself.
One central lesion is that Boris is not only the eccentric of popular image.
He is a politician anxious for success, who is prepared to get his hands dirty. Widely regarded as a maverick, there is actually plenty about Boris which is completely typical of politicians past and present in Britain (or ancient Greece, as he might prefer).
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Technology leading to surge in teen sextingFargo-Moorhead (WDAY TV) – There are shocking statistics about a child pornography problem hitting our region from creation to easy access online. Parents, watch out - your kids could be sending sexually explicit pictures, videos, and messages before they even make it to middle school.
By: Kay Cooley, WDAY
Fargo-Moorhead (WDAY TV) – There are shocking statistics about a child pornography problem hitting our region from creation to easy access online. Parents, watch out - your kids could be sending sexually explicit pictures, videos, and messages before they even make it to middle school.
Sex, porn, and technology; nowadays they all go hand in hand, often coming right from fingertips of kids in our community.
Lt. Joel Vettel – Fargo Police: "The minute they hit that send button, those things are there forever."
Lt. Mike Detloff – Moorhead Police: "They're seeing it almost on a daily occurrence where kids as young as fifth grade are sending inappropriate pictures."
Grace Conway – MSUM Sophomore: "That's insane. I didn't even know what sex was in fifth grade."
Teen sexting is sweeping the nation in high schools, middle schools, and even elementary schools right here in the metro.
Robert Seim – Ben Franklin School Counselor: "One of the things we ask a student is, 'Why would you do this? Why would you forward something on?' Their first thoughts are to me, 'I wasn't thinking.'"
Not thinking, and never imagining the consequences.
Lt. Mike Detloff: "Reality is, they're creating child pornography."
One in five teens has sent a naked picture of themselves to someone else or posted online. Even more alarming, 1 in 10 of these sexters say they've sent pornographic pictures or videos to people they don't even know. Once this porn is created there's no telling how far it can go.
Grace Conway: "One of my friends, her ex-boyfriend leaked her photos on the internet and stuff and it didn't have her name, but just the fact that it's out there."
Jacob Frank – MSUM Freshman: "It's all over nowadays, it's really bad"
With mass texts, social media, and smart phones, homemade teen porn can spread within seconds.
Robert Seim: "There's something new every day that they can utilize."
Dr. Jeff Schatz – Fargo Schools Superintendent: "Whether it's through Facebook or Twitter, or all of these other types of things that people are engaged in."
One new outlet gaining ground is Twitter's Vine App. Users can search for short videos - even porn - or simply create their own to share. Meaning anyone with a smart phone of any age can see it, and pass it on.
Lt. Joel Vettel: "The availability to those types of technology is in the hands of kids as young as six, seven years old."
Jacob Frank: "That's half the problem is technology. I didn't get my first phone until I was about sixteen."
So in an age where kids always fight to fit in, sexting is sadly becoming the new norm.
Robert Seim: "If their peers are doing it, peers want them to do it. It's hard to say no."
Private, personal pictures, now online for the whole world to see.
Robert Seim: "Once it's out, you can't get it back."
Lt. Mike Detloff: "We would be lying if could tell you that we could."
It's a long lasting reminder of a quick mistake made far too young.
According to an internet safety survey, this Valentine's Day 36% of Americans will send a naked picture to someone else.
Tags: kay cooley, news, fargo, moorhead, communication, technology, reporters, updates


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McIlroy clinches European Tour title
A 30-foot eagle putt on the final green at the Barclays Singapore Open made Rory McIlroy the European Tour's youngest money list winner since Sandy Lyle in 1980.
But it was only when 19-year-old Italian Matteo Manassero also eagled the same hole more than two hours later that McIlroy could crack open the champagne again.
Already with the PGA Tour title in the bag, the 23-year-old world number one emulated the double achieved by Luke Donald last season when Manassero beat South African Louis Oosthuizen with a 12-foot putt at the third play-off hole.
If Oosthuizen had won he could still have caught McIlroy, but instead Manassero became the first player to win three times on the circuit before the age of 20. Not even Seve Ballesteros managed that.
McIlroy, watched during the week by girlfriend Caroline Wozniacki, stormed through to third place with a closing six-under-par 65.
"I left myself a little bit too much to do to win, but it was a great way to finish off the round and the tournament," said the Northern Irish star, who still has his defence of the Hong Kong Open and the DP World Tour Championship in Dubai to come this next fortnight.
The race would still have been alive if either Peter Hanson or Oosthuizen had played in Hong Kong or at this week's South African Open, but they have not entered.
Latest leading positions in the European Tour "Race to Dubai" money list after the Barclays Singapore Open:
1 Rory McIlroy £2,966,985, 2 Peter Hanson £2,120,959, 3 Justin Rose £2,059,798, 4 Louis Oosthuizen £2,044,184, 5 Ian Poulter £1,822,644, 6 Branden Grace £1,671,036, 7 Francesco Molinari £1,630,171, 8 Luke Donald £1,475,622, 9 Graeme McDowell £1,462,726, 10 Paul Lawrie £1,425,216
11 Nicolas Colsaerts £1,363,063, 12 Lee Westwood £1,317,982, 13 Matteo Manassero £1,198,873, 14 Marcel Siem £1,070,584, 15 Thorbjorn Olesen £995,685, 16 David Lynn £952,025, 17 Rafa Cabrera Bello £939,767, 18 Bernd Wiesberger £822,449, 19 Jamie Donaldson £815,188, 20 Alex Noren £805,292.


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InterAct Theatre Presents David Robson's ASSASSIN, 1/18-2/10
If you had the chance to apologize for something you did that ruined another person's life would you? What if that thing was part of what you were expected to do for your job? These questions and other dilemmas lie at the heart of InterAct Theatre Company's second show of its 25th Anniversary Season. Assassin by local playwright David Robson, a co-production with Act II Playhouse, takes an intimate look at hero worship, regret and forgiveness while examining America's fascination with sports violence. With recent media attention being paid to football related injuries, past and present, Assassin is particularly relevant.
At a pre-season game in 1978, Jack Tatum, defensive back for the Oakland Raiders, made a hard, but routine tackle on New England Patriots' wide receiver Darryl Stingley. The hit left Stingley paralyzed for life. Assassin is a fictionalized "what-if" inspired by these true people and events. The taut-drama opens thirty years after a brutal on-field hit left a professional football player (inspired by Stingley) paralyzed for life and his on-field attacker, "the Assassin," (inspired by Tatum) battling diabetes and alcoholism, and seeking a televised mea culpa with his victim. But, what begins as a careful cat-and-mouse game between the retired football star and the now-quadriplegic's lawyer quickly spirals into a volatile evening of stinging accusations and startling confessions
"I wanted to be able to fictionalize the event and its aftermath. I didn't want to tell their story. The play uses football as a backdrop, a context, but its themes of redemption and reconciliation and facing one's demons are universal," states playwright David Robson. "I'm interested in the idea of being defined by one thing, as both men were."
"We live in an era where violence is entertainment," says Director Seth Reichgott, recently seen in Lantern Theater Company's New Jerusalem, "Who is really to blame when someone gets hurt if we, the audience, are asking for it? Assassin explores who's guilty, who's innocent, and how sometimes there isn't a difference between the two."
Reichgott will direct two talented and celebrated actors. Brian Anthony Wilson from HBO's The Wire plays the hard-hitting and maligned Frank and Philadelphia new-comer Dwayne A. Thomas as the smart and calculating Lewis.
The design team for Assassin includes Set Designer Dirk Durossette (Sylvia, Act II Playhouse), Lighting Designer James Leitner (Freud's Last Session, Arden Theatre Company), Sound Designer Ashley Turner, Costume Designer Maggie Baker (New Jerusalem, Lantern Theater Company), and Properties Designer Avista Custom Theatrical Services.
Assassin takes the stage at InterAct Theatre Company from January 18-February 10 with previews from January 18-22. Press opening is January 23rd. All performances take place on the Main Stage at The Adrienne at 2030 Sansom Street . Performances will be held Tuesday – Sundays. Tickets start at $20 and may be purchased by phone 215-568-8079, on-line at www.interacttheatre.org or in-person at the InterAct Theatre Company Box Office (M-F 10-6).
David Robson (Playwright) is the author of many plays including Playing Leni (co-written with John Stanton, Madhouse Theater Company), A Few Small Repairs (Painted BiRD Productions/Theater Catalyst), Man Measures Man (InterAct Theatre Company, Barrymore Nomination), After Denmark (Yellow Taxi Productions), Out of Place (Julie Harris Playwriting Award Finalist), and American Child (Harriett Lake Festival of New Plays Finalist). His short plays include Killing Neil LaBute (Intentional Theatre), Mel and Mee (Short + Sweet Festival, Australia), You Rang (Acme Theater Productions), The Speech and Ed Rex (City Theater Company), and Goons (Brick Playhouse). Cruel, Calm, and Neglected-four nights of his short plays-was recently performed by Wilmington's City Theater Company. David is recipient of the Hotel Obligado Audience Choice Award for New Work. Other honors include the Susan McIntyre Playwriting Award, the Panowski Playwriting Award (runner-up), and two playwriting fellowships and two grants from the Delaware Division of the Arts. Play development: Bated Breath Theatre (Hartford), Lark (NYC), White Pines Productions (Philadelphia), City Theater Company (Wilmington), Great Plains Theatre Conference (Omaha), Last Frontier Theatre Conference (Valdez, Alaska), Mid-America Theatre Conference (Kansas City, Missouri), Rebel Theatre (NYC), Skewiff Theatre (Belfast, Northern Ireland), and New Theatre (Coral Gables, FL). His plays and monologues are published by Smith and Kraus and Original Works Publishing. David is a member of the Dramatists' Guild and a former playwright in residence at the Lark Play Development Center in New York City. He is an associate professor of English at Delaware County Community College.


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Honor Roll 2013
READ: The 2013 School Of Dental Medicine Honor Roll of Donors
A message from Dean Goldberg.
See how one honor exemplifies the spirit of the school. WATCH VIDEO >
Students will benefit from a facility that puts practical experience side-by-side with leading-edge discoveries.
It is with great gratitude that I thank you for your participation and generous contributions in FY13 to the School of Dental Medicine. Your gifts of time, talent and treasure have truly been transformational in creating and expanding tremendous opportunities for our students. The following highlights give us all great reason to celebrate:
Thanks to the participation and continued commitment of good friends and loyal alumni, we have a wonderful opportunity to continue to build upon our tradition of excellence in dental education. I extend my deepest gratitude to all who support the school. Your participation collectively makes a huge impact and every gift truly makes a difference.
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Henry Schein, Inc., the world's largest provider of health care products and services to the dental industry, has made a $1 million gift to the Case Western Reserve University School of Dental Medicine's Discovering the Future of Dental Medicine fundraising campaign. Read more about the Henry Schein Inc. Donation>
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April 19 2014 Latest news:
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Our Leyton Orient blogger is not confident about the O's play-off chances
League One: Crawley 2 Leyton Orient 1
The Easter weekend is one packed full of football but, as usual, there are disruptions on the London Underground.
Orient's Dean Cox claims a squad relaxation break to Champneys health spa has done the players the world of good.
Orient fans are the most long-suffering in London according to a new study.
Orient returned to form with a devastating display of attacking football against Gillingham at Brisbane Road.
David Mooney's double ensured he became the first Orient player in 16 years to hit 20 goals in a season.
Leytonstone rapper Redzz has recorded a World Cup song at Leyton Orient's Brisbane Road stadium.
Leyton Orient's Easter Monday clash with Wolves is sold out.
Orient's first half annihilation of Gillingham was up there with anything they have produced this season, said manager Russell Slade.


text:
WITH news filtering through of yet another mass shooting in America, I despair of the state of the US.
The agenda of the US seems to be to pacify the world by waging warfare until lesser nations are subdued.
They (self reportedly) do this to bring justice and safety to the world.
The time is overdue for them to retrain their focus to within their own nation.
They should focus on the lawless and the crazed who use weapons legalised and sanctified by the state.
They use these weapons to arguably slaughter more citizens than are threatened and killed by the identified ''enemies'' of freedom.
Sarah Harden


text:
The problem with financial advisers and anyone who brags about their investments
Published on - January 23rd, 2013 (by Robert Brokamp)
This is a post from staff writer Robert Brokamp of The Motley Fool. Robert is a Certified Financial Planner and the adviser for The Motley Fool's Rule Your Retirement service.
Way back in the '90s – a primitive time when a mobile phone could only be used to talk to another phone – I was a broker (i.e., salesman) with Prudential Securities. While we all used the title "financial adviser," the majority of efforts were spent providing investment advice. (Actually, most of my time was spent supporting the other advisers, or at least trying to.) Those who had been around long enough and had enough assets under management could also use the title "vice president"; other firms used "first vice president." It's interesting that most branches have several vice presidents, and each firm has thousands – even though having just one vice president is good enough for the entire country.
As far as I can tell, not much has changed with the so-called "full-service" brokerage firms. Most brokers don't do much cash-flow analysis, debt management, employment benefits evaluation, or anything else that won't generate a commission or an annual fee of 1 to 2 percent of assets. Most ignore employer-sponsored accounts because they can't be transferred to the firm.
So most of these folks predominantly provide investment management. Fine. However, there's no way to know if they're providing good financial management. The financial adviser may say that his recommendations result in fabulous returns for his clients. He might also say that every morning, unicorns fly out of his butt. Unfortunately, there's no way to prove either one. Well, at least for the latter, you could have a slumber party and keep an eye on his pajamas. As for the purported fabulous returns, there's no way he can back up his claims. He's not going to let you see his clients' accounts, and he shouldn't; that would be a violation of privacy. You pretty much have to take his word for it.
He might mention a stock or mutual fund that he claims to have put in his clients' portfolios, and he may have. But what you won't hear about are the stocks or funds that didn't work out so well. Regular, non-adviser folks do this, too. When people I meet at social gatherings find out I work at The Motley Fool, they often bring up their successful investments; they're not so chatty about the stinkers.
If you want to know how a mutual fund has performed, you can look it up on Morningstar.com or visit the Securities and Exchange Commission website and get legally mandated, audited reports. If you want to know how an adviser performed, you get a brochure, a pitch, and a warm handshake.
Of course, after you've hired an adviser, you'll get quarterly statements and can monitor his performance. Unfortunately, the problem here often lies with the client and the current lack of financial literacy. Many people don't know enough to properly evaluate an adviser's performance – what is an appropriate benchmark and how to adjust the comparisons for the amount of risk taken. Or clients just like the adviser enough to trust him, because he's nice and jovial and sends chocolate during the holidays.
How to evaluate a financial pro
I don't mean to malign all financial advisers. I know plenty of them and know enough about their investment philosophies and overall financial-planning expertise to feel I can judge the quality of the services they provide. And many are very, very smart, capable and ethical. I certain thought highly of, and had great respect for, the fellows in my group at Prudential. But you have to take my word for it, don't you? There's no way to verify my opinion (though I could prove that one of my former partners was much better than I when we competed against each other in high school football).
If I became a financial adviser, I'd pretty much have to do the same things as they do, because there's no mechanism for tracking the performance of an adviser's recommendations. At least not now. Perhaps in the future, there could be an adviser transparency index, administered by a third party. The adviser reports their recommendations to the third party, and the third party tracks and reports the performance to the public – but not the actual investments, because that would be giving away the advisers' secret sauce.
But until then, here are some questions to ask an adviser you're considering:
How are you paid? The commissions paid for selling financial products vary widely, so there's always the temptation to provide advice that garners a higher payout. Fee-only advisers who charge by the hour or by the project – such as those at the Garrett Planning Network and NAPFA — have the fewest conflicts of interest, since the amount they are paid is not directly related to the advice they provide. Those who charge an annual fee based on the size of the portfolio have a few more conflicts of interest, but it's much less conflicted than those who earn their keep through commissions, payments from mutual fund companies or payments from insurance companies. With fee-only advisers, you still have the problem of not knowing how their past investment recommendations fared. But it's my experience that most of them recommend low-cost, diversified index-based investments, which pulls back the curtain a bit.
Are you a fiduciary? A fiduciary has a much higher legal hurdle than an adviser who only has to meet a "suitability" standard, such as the brokers who work for the big-name firms – Morgan Stanley, Merrill Lynch, UBS, and so on. In fact, brokers have a primary loyalty to the firm, not to the clients.
What services will you provide? Will you receive just investment advice, or will you receive a complete evaluation of your entire financial situation (debt, insurance, estate planning, etc.)?
What are the risks? Any adviser who doesn't thoroughly explain the risks involved with the investment strategy they recommend isn't doing his job.
Why should I listen to you? We've already established that you can't verify their claims of investing awesomeness. But you can visit BrokerCheck to see if they've had any disputes with clients, and whether they were resolved. Being a Certified Financial Planner (CFP), Chartered Financial Analyst (CFA), Certified Public Accountant (CPA), or other legitimate designation (Certified Warren Buffett Invest-a-like doesn't count) won't guarantee competence or ethical behavior, but it does show that the person had to know enough to pass very rigorous exams. Also, these designations come with their own ethical standards and ways to report who has been found wanting.
How can you make such crazy promises? If you hear anything too good to be true – such as a guaranteed 10 percent annual return – then the adviser is hoisting a malodorous red flag.
Not everyone needs the services of a financial adviser. One of the main beliefs at The Motley Fool is that you can do much of it yourself, because much of it is more pocket science than rocket science, and no one cares more about your money than you do. But if you don't have the time, inclination, or self-discipline to create and stick to a plan, hiring a financial planner could be one of the best things you ever do. Just make sure you get a good one.
This article is about Investing, Retirement
Years ago, I gave a guy with Raymond James a small amount of money to manage to see if a financial adviser would do a better job than me. I wasn't impressed.
I think that there are great research resources for those who want to manage their own finances, we utilize a lot of the research tools at Fidelity. But, there is always the problem of finding the time to do the research when my regular job (I consider personal finances to my part time job) requires 60+ hours a week.
So, I might work with someone in the future because I don't have the time to always do the research and management myself but I agree then you have to figure out if the broker/adviser is doing a good job which requires more research.
Its a conundrum, I look forward to hearing about others that do use an adviser and obtain a benefit from doing so.
Also, if you have a fidelity office near you its great to go in and work with the folks there so they can show you all the research tools. They also have regular seminars on certain investments and investment categories although they tend to be right in the middle of the work day. Mr. Sam has a fidelity office right near his work and he's gone and gotten training on how to use their online tools and then he trained me so it worked out well. Of course, I haven't quite figured out how to track whether I'm doing better utilizing their expert strategy tools vs. just picking stocks I like. Always something to learn.
Great article- I like the points raised about explaining the risks involved as well as any investor who "guarantees" a ROI. So many times you hear of horror stories where an investor is simply putting words in someones ear and doing nothing to advise them on what moves to make specific to their financial situation.
All of my dealings with brokers interested in managing our money have been less than satisfactory. And they all seem so – how can I put this nicely? – young. Maybe it's my own ageism that keeps me from trusting them.
With our 401k money, we've taken the traditional recommended approach of stocks, bonds, small caps, large caps, etc. percentage wise according to our ages. However, with our relatively small personal investments – which I've been doing with etrade – I pick my own companies. I've been beating our 401k's returns as well as the market's, but I do think we're in a raging bull market right now and am holding off putting more money in the etrade account until the market corrects itself.
Unlike the folks Brokamp meets at cocktail parties, I'm happy to tell you all about my three stinkers, two of which I'm still holding out hope for and the third I'm going to dump if it ever goes up. Maybe if I had more invested in them (right now those three are around $5k total), I wouldn't be so anxious to talk about them?
Maybe I'm too stubborn, or cheap, but I would probably never seek out the help of an adviser. Not that I think I can necessarily manage my money better than they can, but I just feel more comfortable making my own investment decisions, and, importantly, I'm able to live with the fact if one of them lost value. If I was paying someone else to manage my money, and it was losing value, I'd probably go crazy!
Then again, my investment "strategy" is pretty bare-bones: dollar-cost-average into blue-chip, dividend-paying stocks, and re-invest the dividends. Pretty basic!
May I brag that, as an individual investor, I have done very well on my own? Thanks – Just wanted to get that out of the way.
Now, since becoming an investor in the late 90s, I have consulted with many so-called financial planners/advisors/experts with only one question: Will you review my portfolio and tell me your opinion of my investments? Are they good or bad or indifferent? Have I overlapped or duplicated anything? Am I high or low risk for my age?
I have always made it clear from the start that I did not want to switch investments or buy any products from them. Well, maybe I didn't. Because EVERY consultation concluded with "Here's a package of the investment products we sell and why you should transfer all yours into ours." The most recent "free" consultation included a recommendation that I turn over all stocks and mutual funds to him to "manage" for a fee.
I am still looking for that one financial "expert" who will give me just an opinion.
A fee-only CFP will have no problem with consulting with you and reviewing your portfolio. They just don't do it for free. The "free" consults are usually done by CFPs who also sell for Amex and other companies, which is how they get paid, by commission.
My wife enlisted an adviser from Edward Jones about two years ago. So far, so good.
We agreed to let the adviser manage her tax-deferred investments, while I continue to manage my accounts. I have my 401k and Roth assets with Vanguard, and the adviser likes Vanguard.
All of us have benefitted from rising markets over the past two years. The good news is that the adviser takes a very small fee, and gives us a different perspective from our own.
Our next financial moves involve term insurance renewals and brokerage accounts. Based on the adviser's track record, I will listen to her suggestions.
Boy…would definitely pass on you being a client. Knowledge is good and so is trust. Advisors can't work miracles. I mostly help people avoid mistakes. I Help them plan, and try to beat the bank rates.
We don't have a financial advisor or money manager, but my in-laws like their guy. I trust my husband and target date mutual funds more, so that's what we have to work with right now…
I have used financial advisers for specific purposes. First, to get a snapshot of where I was financially and provide some general advice. Other times, to address a specific question. I used fee only, but even they often follow their advice to you with items that provide them more income, so you have to be aware and read the small print of what they provide. Sometimes it fits the bill, other times not, but regardless you have to decide if it's really right for you, not for the adviser's pocketbook.
My husband and I are very lucky, because my BFF is our financial adviser. We've known her for twenty years, trust her implicitly, have very similar financial philosophies, get all the paperwork verifying what she does for us, AND she doesn't charge us anything because she's just that nice (we've offered more than once to pay her). Yay!
PS Is that a unicorn in your PJs or are you just happy to see me?
Sorry MelodyO,
Your buddy may be a BFF, but you are not. By taking all of her valuable advice and services without compensating her adequately is simply be a user and an exploiter. I hope you have named her in your wills for a sizable bequeathment.
I'm a Certified Financial Planner and would NEVER work for even my BFF for free. Too much risk, both on the investment side AND the friendship side.
Knowledge about financial planning is easy to obtain for free at any library. However, time to properly maintain your plan is a bit harder to find, at least for me. Proper financial planning is a full time occupation. I just can't devote the time and effort to doing it correctly. Sure, when I started out I did everything by myself, with fair or better results, but now I have accumulated a sizable amount of money and I decided I needed professional advice and someone looking out for my investments regularly, so I hired someone. So far, I am happy with the results. Some people may be willing to go it alone, but I figure I don't set my own broken bones, i don't butcher my own meat and i don't build my own car. I hire pros to do the things i am not an expert at. Why not with money?
"I hire pros to do the things i am not an expert at. Why not with money?"
Do you pay someone to spend it?
"Proper financial planning is a full time occupation."
No, for most people it isn't. If you have enough money to pay someone to manage your investments full time, that may be a different story. But even then, you are probably better off putting it in an index fund and leaving it there.
"I decided I needed professional advice and someone looking out for my investments regularly"
Most people don't. In fact, active management tends to reduce returns rather than increase them.
Do I pay someone to spend my money? What does that have to do with anything?!? You're correct that most people do not have the resources or the quantity of wealth to need help, I am lucky enough to have both. I'm not a millionaire by any stretch but I do have a substantial retirement portfolio and "putting it in an index fund" is not viable, logical or productive. Active management can be cost prohibitive according to how the advisor is compensated. I pay my advisor a set amount each year based on the value of my portfolio. If I make money his pay goes up. If i don't make money his pay does not. He does not receive a commission for trades so he has no incentive to do so unless the trade is lucrative.
I am not saying my situation is for everyone, it's not. But for some, like me, having professionally managed assets can be helpful. Even Dave Ramesy suggests professional help in asset management. Do you think you're a better judge of these things than Dave?
" I'm not a millionaire by any stretch but I do have a substantial retirement portfolio and "putting it in an index fund" is not viable, logical or productive"
If you aren't a millionaire, that is the only logical or productive investment for your retirement fund. Virtually any other investment will raise your risk or lower your return or, most likely, both.
"I pay my advisor a set amount each year based on the value of my portfolio. If I make money his pay goes up. If I don't make money his pay does not."
Nice gig for your adviser. I will make the same offer on bets in Vegas with your money. If I win, I get a percentage of the take. If I lose, I just get my fee. That's one reason managing other people's money is such a lucrative business.
"Do you think you're a better judge of these things than Dave?"
Yes. Dave Ramsey is a celebrity in the finance entertainment business. If you put your money in a index fund and leave it there, you probably don't watch his show or read his books. Which is how he makes money. He needs yo in the game.
Are you selling index funds? You certainly sound like it. I have stated several times what I do is not right for everyone. You seem to believe what is right for Ross is the only viable option. It is not.
I went from bankruptcy about 15 years ago to having a comfortable retirement portfolio that will, conservatively, make me a multi-millionaire when I retire in ten or so years. I did this by reading books by Dave Ramsey and Ric Edelman and other award winning authors and financial planners and following that advice, not to mention working hard and advancing myself in my career. So obviously there are alternatives to your Index Funds that do work. That is all I am advocating. What you do may be perfect for you, good luck and much success, but unless you have a magic crystal ball, don't deign to tell me how to run my finances. I just wanted to make a point about financial planners not receive inferior advice from the peanut gallery. I pay a professional for that kind of advice, thanks anyway.
Vanguard sells index funds, I buy them.
"So obviously there are alternatives to your Index Funds that do work."
Of course there are. Some people win at slot machines. There are also people who do quite well for a while and then the odds catch up with them. If you are paying 2% of your winnings in fees, the odds are heavily stacked against you.
We have had the dot-com bubble that made a lot of millionaires and then destroyed them again. We had the housing bubble, where people thought their housing value made them wealthy only to find out it was an illusion.
The deal with active investment is that some people win and others lose. For people with enough money, gambling to win may make sense. They are willing to accept the worst case outcome as the price of having a shot at the best case outcome. But unless they are into the really high risk investment opportunities provided by hedge funds, a money manager is still likely just a drag on returns.
I don't have an issue with someone else using a professional for investment planning. After all, it's their money, and they have to do what they are comfortable with.
But there is something here worth exploring. Most investment planners will tell you that they usually can't beat the markets and that it is unpredictable. And, if you compare the performace of most actively managed funds to low cost index funds, the low cost index funds usually win out. So the comparison between investment planners and surgeons is not really apt. Investment planners are better than burying the money in your back yard (or stuffing it in your mattress), but probably worse than a low cost index fund, at least most of the time.
When I started to have a sizable amount of money to invest, I first went to an investment planner. After while, I decided to divide my investments in half — those I was managing and those my investment planner was managing. I found that my returns were better, but more importantly, I understood why I was picking certain investments. It's like the difference between being given an answer to a math problem or being forced to do the work to get to the answer. You won't know if the answer is right unless you do the work yourself.
Well, that is a well thought out and clearly explained reason as to why a person may choose not to use a financial planner. Keep in mind however, financial planning is more than just putting money into an investment. There are a myriad of other areas that a financial planner can help with. Things most people never even consider. Such as, budgeting, insurance (life, health, long term care etc), tax planning, estate planning, education planning to name a few. My financial planner helps me with all of this. She understands my goals and helps me with planning for the long term. Most of my money is wrapped up in retirement accounts, and she watches over that. The rest of my money I invest myself. Usually in riskier ventures. This is my gambling money. My financial planner gives me advice in this area too, if i ask for it, which I usually don't.
"Such as, budgeting, insurance (life, health, long term care etc), tax planning, estate planning, education planning to name a few."
There are two problems with this.
The first is the cost of those services if you pay for them as a percentage of your investments. If you have $500,000 in your retirement fund and are paying a money manager 2%, its going to cost you $10,000 per year for whatever services that manager provides. That is expensive advice.
The second, is that the qualifications for providing most of those services have little to do with managing your investments. Yet, you are partially choosing your advice based on that.
You can put your retirement money and other investments in a low cost index fund that will match the market's returns. Then hire someone based on the services you really need. It will likely be cheaper, much cheaper, and you will get better results by choosing someone with the specific expertise for the advice you need.
I think investing is a lot like some health screening. Sometimes more information just makes things worse.
Its counter-intuitive and some people will never accept it. But educating yourself in an attempt to improve your returns beyond the market is likely to have the opposite effect.
Hiring someone to manage your money is likely to get you lower returns, even if you don't consider the cost of paying your manager. When you do consider the cost, you only come out ahead by getting lucky.
That does not mean financial planners serve no purpose. Because many of us have assets where investing them in an index fund is not an option or there are issues beyond the return we get on our investment. We own a house or a business. We need to consider inheritance, taxes and other issues that effect our choices.
But if you are just saving money for retirement or your kids' college fund, paying someone to manage your investments is almost a sure way to come out behind.
This post is worthless without cat photos.
One of the big questions you should ask your financial advisor is 'do you take wholesaler' support or receive cash from wholesalers for marketing support? The reason is that most financial advisors sell the products from the very companies who line their pockets with money for seminars and overall marketing support. They may not make more commission to sell that product, but it is a hidden way that advisors take money in exchange to sell products.
After realizing that my financial planner was not acting in my best interests, but in hers, I pulled all my money out three years ago and started managing it myself. At the time, this was a very terrifying thing to do. Now, I have no regrets.
I have since realized that working financial planners is counter-productive to seeing growth in your investments. Paying 1 to 2 percent to the planner, purchasing A shares for 5 percent, purchasing funds with high expense ratios, and on and on, strip out money that could be invested to make higher returns. My financial planner recommended buying and selling funds; this is also very counter-productive to growth. I had invested money for years, and never felt like I was getting ahead (even in bull markets) because I was making all these mistakes, and paying thousands of dollars every year in fees to investment advisors and to purchase their recommended funds.
I realized that if I talked to 10 financial advisors, I would get 10 different solutions to how I should invest my money, and I didn't necessarily understand what they were talking about. So I developed my own investment philosophy, which I understand. I feel like my money is growing now, and not just because the stock market is in a bull market. I am collecting dividends, and I am no longer paying the fees to financial planners or fees to purchase funds. This money is all rolling back into my investments. I know I am in good funds, as I define them, and they are funds that I know my financial planner would not have recommended. Financial planners justify their fees by claiming they can make more money for you than you could on your own. That notion doesn't work for me anymore, because it is very difficult to prove, and because that notion is based on greed and fear.
Another thing I learned is that if you work with an on-line broker designed for the do-it-yourselfer, they provide you with a rich array of tools to learn about investments, and allow you to explore your options. Human help is available, too, if you need it. These options were not available through the financial planner I worked with; they wanted me to rely on the financial planner.
You are exactly right. The funny thing is that the individuals who talk the most are usually the ones who need to market themselves because they are lacking in skills. The strongest individuals are content doing what they love and are good at, and don't need the attention and hype.
Good discussion! I'm an independent fee-based advisor managing about $35m. I have no ties to any specific companies or products. The only corporate relationship I have is with Fidelity – which is where my client's accounts are held.
My investment strategy is very simple: own "everything" via low cost index funds (ETFs or Mutual)and then rebalance quarterly as needed. I target about 8 broad stock categories, 8 broad bond category, and a commodity allocation. I am an anti-market timer. I tell my clients that their returns will be close to market returns – which is better than the vast majority of individual investors due to bad behavior (selling in a panic or adding on during a run-up). The rebalancing performance benefit generally makes up for my 1 to 2% fee. The 2% is for very small accounts.
Could my clients on their own do what I do? Sure! But it takes time and interest – which they don't have. But the bigger question is are they able to handle the emotions involved when the stock market crashes? Can the resist selling out in a panic? Many investors in the US could not as reflected in the Dow 6000 devastation in 2009. Millions of investors went to cash – and stayed in cash as the market has more than doubled.
My clients, on the other hand, rebalanced out of bonds and into stocks in 2009 – and none of them panicked.
Could the folks currently invested in cash have done better with professional advice like the kind I provide? I think so.
You can invest on your own, but I implore you to have an allocation plan in place and stick to it no matter what happens. If there is ever a time where you could panic out of the market – you should stick with CDs and begin saving at a much higher rate.
Tim Murray, CFP
"You can invest on your own, but I implore you to have an allocation plan in place and stick to it no matter what happens." This is key. Writing this plan down, with contingencies and limits, when you are not in a panicked state of mind, and sticking with it when you are, can lend a piece of mind and sanity when the markets go crazy.
Can I ask what dollar amount you consider a "very small account?"
I've been using brokers and investment advisers for 25 year. The problem is not just finding a good one, but the whole market seems to have changed. The dot.com crash changed everything, and the housing bubble just reinforced everyone's fears that the stock market, the bond market, commodities, and even to an extent housing is not a level playing field, is rigged, highly volatile, and not much different to Las Vegas. There seem to be to very few advisers who can effectively navigate today's markets and make money for their clients. Panicking is good for your financial health. Missing out on any gains that defy logical explanation is not something to kick yourself over. Staying the course could just as easily be described as staying in cash, or investing in yourself.
Right on, Debi!
Below is my annualized fee schedule.
Assets Under Management
$0 to $50,000 2.00%
$50,001 to $100,000 1.50%
$100,001 to $500,000 1.25%
$500,001 to $1,000,000 1.00%
$1,000,001 to $1,250,000 0.90%
$1,250,001 to $2,500,000 0.80%
$2,500,001 and higher 0.70%
Section 529 Education Accounts 1.00%
More details can be found on my Form ADV at http://www.murrayfinancial.com/mfi-documents
Which reminds me….
Registered Investment Advisers (RIAs) have a fiduciary duty to do what is best for their clients. Brokers (i.e. Registered Representatives)and insurance agents do not.
If you do seek help, only hire an RIA who will act as an RIA at all times. Many financial reps have dual agency. They tout their RIA license, but then act as brokers when they work with you. A brokerage relationship is not an advisory relationship. It is sales. They are making a "suitable sales recommendation" that may or may not be what is best for you. It will probably be what is best for them!
Only about 10% of investment professionals are RIA-only. THAT is why there is so much trouble in this industry. It is dominated by sales, not advice.
The concept of investing one's money and seeking out advice can be a difficult task for all of us. What I do is I assist people with their overall financial situation. I look at the situation of an individual in relation to their family, assets, liabilities, insurance, healthcare, education for children/grandchildren, and I make recommendations in terms of how much risk is appropriate for that family to take. My process involves getting to know a family, understanding what keeps them up at night and what makes them tick, and helping them to choose a path which will make sense for them. Once we have a plan in place, the next steps are to monitor that plan and make changes to the plan as we all progress through the roadmap of life. The fee that I charge varies based on the services that are utilized by my clients but is always in line with the expectations that I have set in place for them. My goal is to take the least amount of risk necessary in order to reach the goals that my clients have for themselves. My job is to protect the interest of my clients while providing them with insight about the markets, their situation, and in many cases ensure that they are not making the wrong decisions with the plan for their family. What differentiates me from other advisors is that I think about what I would recommend for myself or my family if I was at the same stage in life as my clients, and make recommendations based on what I believe to be true. i do not believe that we can actively trade the market and be successful in the long run, but what I do believe is that if we prepare for the future and ensure that we are taking every precaution possible we can limit the chances of failure.
Thanks for that post. It helped me out!