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I'm being cared for by:
Fat Cat Rescue
Facts about Tippy Toes
- Breed: Domestic Longhair
- Color: Black & White Or Tuxedo
- Age: Adult
- Sex: Male
- Hair: Long
My name is Tippy Toes!
Tippy Toes's Info...
I am already neutered, housetrained, up to date with shots, not good with kids, and not good with dogs.
I know, I know. You wanna know about the toes. Well, I was named Tippy Toes by an elderly couple who fed me and my brother Tartan in their yard in Los Altos Hills. We were rescued by the Fat Cat people when we were little. My toes are bright white, and contrast nicely with my distinguished black coat. My brother Tartan and I are buddies. I'm still a little shy, but come up and like to get pets, and particularly like it when you tell me how handsome I am. I'd do best in a quiet home.
Please note:
- I should be adopted with my best friend
- I need a home with no dogs and no young children
- Indoor only


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ON EMMA WATSON – "I think Emma Watson is a fresh-faced beauty and she wears every piece with her youthful charisma and sophistication. We were delighted that she chose to wear the Saloni Alexia dress to promote her new Harry Potter movie. The dress suited her perfectly!"
Photo By Emma Watson wears Saloni © Rex Features

subset: commoncrawl


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Check out another side of FUV, weeknights at 10. It's The Alternate Side!
I've got a busy night planned for the show including new music from Nine Inch Nails, Holy Ghost!, Emiliana Torrini and Man Man. We'll spin some Bloc Party, Belly, Bon Iver, a deep cut from The Decemberists and get to our Monday Morrissey set, too.
It all starts at 10, see you then!


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'Referrals' Archive
Financial Advisor Magazine Bill Bachrach Two Bridges Article – Part 1
The above video and below text is from the website, Perfect Client reviewing Bill Bachrach's article, 'Crossing the Relationship Bridges.' It's always nice to hear others giving us a review about our work and how we train the top Financial Advisors in the world, and those who aspire to be. Enjoy!
*We will be doing a 3 part series on the article "Two Bridges" by Bill Bachrach in Financial Advisor magazine.
According to Bill Bachrach, there exist two bridges for clients.
For the first bridge, on one side, clients like you and trust you enough to do some business with you. On the other side of this first bridge, clients trust you so much they give you all of their business.
For the second bridge, on the other side, clients do all their business with you AND they introduce you to their friends, family and colleagues. This entails a very high level of trust since they are risking their relationships by referring you.
But, the key here is getting your clients to cross the bridge. By crossing the bridge, your clients are making a statement about you. You have done the work to make them come to you. Now, how do you get clients to cross the bridge? In this blog post and video, we cover Bill Bachrach's first two strategies.
1) Don't be in relationship denial.
As an advisor, you have to come to terms with the fact that some of your very best clients may have money with other advisors.
2) Elevate your client value using these four words:
Visual: Make everything you create visually interesting.
Engage: Engage all parties about their future and the financial decisions needed to make that future a reality.
Compelling: Make every recommendation more compelling.
Experiential: Improve the experience of working with you and every human and non-human element of your process.
But, we believe Bill Bachrach is not addressing a critical piece of the puzzle.
You have to develop the relationship first or else none of these strategies matter. Without a strong and trusting relationship, there is no way you can get your clients to cross these bridges.
Lastly, who are you developing this relationship with? Who exactly do you want to cross these bridges? At Perfect Client, we develop relationships with centers of influence, in most cases CPAs, which provides the benefit of strategic leverage. When you do that, the CPAs' best clients are going to cross the bridge with them.
Stay tuned for part 2 and 3 of this series!
What Has Financial Training Done For You?
Watch these Financial Advisors share their whole story in the videos to follow.
Learn more about the program at:
Get Started At:
Webinar Series to Help You Launch Into the First Quarter of 2015 and Make It Your Best Year Ever.
How Can You Make 2015 Your Best Year Ever?: Enroll yourself in this 10-week Webinar Series presented by Bill Bachrach and the cumulative effect will be:
- Inspiring your Existing Clients to do ALL of their business with YOU.
- Improved focus and skill acquiring clients.
- Offering and delivering a Client Value Proposition that no other Financial Advisor can offer.
- Generating more revenue from planning / advice fees, AUM, other advice implemented.
- More REFERRALS.
- Improved Quality of Life – Working fewer hours, serving the right type of clients and making more money so you can spend more time doing the things you truly want to do.
To learn more or to enroll in the THRIVE Webinar Series with Bill Bachrach CLICK HERE.
The Relationship Bridges by Bill Bachrach
There are 2 relationship bridges to cross with most of your clients that you may not even realize exist. On this side of the first bridge you have clients who like and trust you enough to do some of their business with you. This may be quite a bit of business generating good money to serve these clients. On the other side of the bridge, however, is a relationship with those same clients where they trust you so much that they give you all of their business. In other words, they consolidate all of their assets with you and take action on all of your advice about everything they need to do to achieve their financial goals. That could be increasing their insurance coverage, buying an annuity, doing their estate planning, or any number of things that are good for them to do.
What would be the increased revenue impact from crossing the bridge with your clients to the place where they do all of their business with you?
Don't believe the lie that financially successful people will always have more than one advisor. That's just not true. What is true is that most financially successfully people have not yet crossed that relationship bridge to be in the place where they trust one of their advisors enough to do all of their business with them. You just want to make sure that you're the advisor who helps them across that bridge.
After you cross the first bridge there is still another relationship bridge to cross. On the other side of the next bridge is the place where they trust you enough to do all of their financial services business with you AND they introduce you to their friends, family, and colleagues. It makes sense, right? That level of trust has to be even higher for a person to risk their relationships by referring you.
What would the financial impact be for you to cross those 2 bridges with your clients? What other ways would you benefit from clients who trust you enough to do all of their business with you and refer you to their friends, family, and colleagues? And how would it be better for the clients to simplify their financial lives by consolidating all of their financial affairs with the one advisor they trust the most?
The payoff for you is easily measured:
· More revenue from planning and advice fees.
· More revenue from AUM.
· More revenue from other advice implemented.
· More referrals, which means much less time and money invested in marketing.
To learn more about how you can bring your clients and prospects across these 2 relationship bridges CLICK HERE or call 858-558-3200 to schedule an appointment.
Don't waste any time scouring our website for more information about what we do and how we do it. Just pick up the phone and have a conversation with a human being about how you can better serve your clients and grow your business.
Make it a great day.
5 Ways Financial Advisors Leave Money on the Table, Under-Serve Their Clients, and What to do About It
The experts on achieving goals say the first, and a very important step, to achieving a goal is deciding to. My hope is that this article points out some opportunities for you to make more money and serve your clients at a higher level and that you decide to do something about it.
The 5 ways Financial Advisers leave money on the table are:
1. Not charging a fee, or charging too small of a fee, for up-front planning and advice work.
2. Not consolidating your client's assets.
3. Unimplemented advice.
4. Referrals.
5. Wasting time.
1. Not charging a fee, or charging too small of a fee, for up-front planning and advice work. If I had a nickel for every time I've heard a Financial Adviser say, "I do the planning for free in the hopes of getting some of their assets" I'd have a lot of nickels. This is an amateurish approach. Instead, charge a fee for quality planning work that stands on its own merits, whether the client implements with you or not. And if they do choose to act on your advice with you then you deserve to be paid for that as well. How is this better for the client? Because when a person pays for advice they tend to be more inclined to act on it. And it's acting on advice that produces results. No action. No results.
Offer a Value Proposition to Your Clients That No Other Financial Advisor Can Offer
As a financial advisor, you have the opportunity and control to have the income you want, time freedom, and the ability to help people. It truly is a great business!
Yet, most financial advisors are working too many hours, serving too many of the wrong clients and making too little money. Why? Well there are several answers to that question but what it boils down to is do you offer a value proposition to your clients that no other Financial Advisor in your area can match and do you deliver on that value proposition?
Here at BAI we embrace the philosophy 'Overpromise and Overdeliver.'
Partner with BAI and you will learn to present with confidence a powerful and impactful value proposition that will propel you to the top 1 percent of all financial advisors; develop a client acquisition method so you can work by referral-only; build a team of A-players that you lead effectively; manage your time, priorities and calendar, allowing you to save time, which will move you more quickly toward your goals and fill your time with high-payoff activities.
To learn more, visit our website www.billbachrach.com or call (858) 558-3200
Not Bad Enough to Fire. Not Good Enough to Refer
Last year I had lunch with a very successful couple. She had recently sold her business and for the better part of the past year has been interviewing Financial Advisors. She described the experience as "dismal." To be specific, none of them impressed her with their deliverables, if they were able to show her actual deliverables at all. She felt more like money they were trying to capture rather than a human being they were trying to help.
Another striking element of our conversation was her experience seeking referrals to financial advisors from her most successful friends. She contacted 10 of her mentors who had helped her build her business over the years. They were worth millions on the low end and upwards of $100 Million on the high end. Virtually all of them told her they were not happy enough with their advisor to make a referral and asked her to contact them when she found the person she hired. Whoa! Not a single person among the most financially successful people she knew was willing to introduce her to their financial advisor. Sobering to say the least.
What's the moral of the story and action-able lessons for you? There are several:
1. Where do you think you stand, really, in the mind of your clients? Is it possible that some of them have been asked about you and chose to not make the introduction? Are they telling you the truth when they fill out those client satisfaction surveys?
2. Consider refer-ability as a metric of trust. The more your clients trust you the more likely they are to refer you to their friends, family, and colleagues. If you are not being referred there could be a trust gap. What will you do about that?
3. Consider refer-ability as a metric of value received by the client. Even if they trust that you are an honest person, this does not mean they are impressed by the value they are experiencing. If you are not being referred there could be a value delivery gap. What will you do about that?
4. Don't presume that when prospective clients tell you they are happy with their advisor they are really happy with their advisor. What's more likely is that they feel too busy to do something about finding the advisor they would really like to have or they don't really believe that there is something better so they settle for what they think is normal. Many financially successful people do business with their current advisor more because of inertia than true satisfaction or happiness. How will use this knowledge to attract and convert more financially successful people to become your future Ideal Clients?
5. Bill Gates once said, "Success is a lousy teacher. It seduces smart people into thinking they can't lose." Have you become at all complacent about the 1% you collect on your clients' assets?
If you are a Financial Advisor interested in growing your business and building your Ideal Life, Bachrach & Associates, Inc. offers a free 60-minute consultation to help you build an effective business plan so you can get back to the fundamentals and make 2014 your best year ever! To schedule this, visit www.billbachrach.com or call (858)558-3200.
If you are interested in hiring Bill Bachrach to speak at your next conference, please visit www.billbachrach.com/speaker.
The Metrics of Trust
Wouldn't it be great if your clients told you exactly how much they trust you? What would you do with that information? How would it help you help your clients? Would they be more likely to follow your advice? How would that impact their success and yours?
I believe your clients are telling you how much they trust you with the most effective and predictable communication method that exists: behavior. Ralph Waldo Emerson's famous quote applies here, "What you do speaks so loudly that I cannot hear what you say." What your clients do, or do not do, is speaking loudly about trust. Are you listening?
I call these the "metrics" of trust and they are:
1. How receptive to comprehensive financial services and advice are each of your clients?
2. Have they consolidated all of their business with you?
3. Do they act on your advice with relatively little "selling" or the need to use "persuasion" or "closing" techniques?
4. Are they more influenced by your advice than the negative emotions related to market, economic, political or world events?
5. Do they pay your fee without quibbling or haggling?
6. To what degree do they either offer unsolicited referrals or respond positively when you ask them to introduce you to their friends, family and colleagues?
If your clients have an imaginary trust dial embedded in their subconscious, and they do, where does the needle on that trust dial have to be so your clients trust you completely? And if you are dealing with spouses or partners, keep in mind that there are two separate trust dials at work.
Would you like to have clients who are fully comprehensive, consolidate all of their business with you, act on your advice, are more influenced by your advice than negative world events, happily pay your fee and consistently introduce you to their friends, family and colleagues? The key is trust.
Most of what's involved in building trust is within your control. It's also helpful to keep in mind that some people can't trust. Establishing trust with someone who can't trust is like trying to teach someone with a morbid fear of sharks to surf. Even if it's possible, it's not worth the time.
This also has little to do with how trustworthy you are. For the sake of this article, I am going to assume that you are trustworthy from both the competence and character sides of trust. I'm sure you find it frustrating to be trustworthy and have some people not trust you. Trust is for them to decide about you, not something you can declare.
The truth about how much each of your clients trusts you is a simple, honest assessment by you and your team of all six metrics of trust for each of your clients. How does that work?
Let's take the first metric. What are your clients telling you if they look to you for advice in all areas of financial services? What does it say about how much they trust you if they only do business with you in one area of financial services, say investments or insurance?
It could be as simple as you are not clearly communicating everything you can do for them. Or is it that they trust you enough to do some business with you, but not enough to work with you across all areas of financial services? Your clients' willingness to be engaged in a holistic relationship vs. a la carte transactions is a metric of how much they trust you. What is their behavior in this area telling you about how much they trust you? On a scale of 1-10, what's the score?
Having multiple advisors is not diversification. Metric No. 2 means that when your clients have their money spread among several advisors and institutions they are sending the message that they don't trust any of you enough. You know your clients trust you completely when they have consolidated all of their investments with you.
Consolidated doesn't necessarily mean that all of their money has been transferred into an account at your firm. What about the money they have in places where it can't be transferred into those accounts? Does that money still fall under your advice and are they willing to pay you for that? What is their behavior in this area telling you about how much they trust you? On a scale of 1-10, what's the score?
I've seen research about how wealthy people having their investments spread among several advisors. Institutions used to justify that this is just how wealthy people "are," it's not changeable, and you should be happy with a good-size account even if it's only a part of what they have. This is ridiculous. The much better lesson, and the good news for you, is that they have not yet met someone they trust enough to consolidate all of their money with one advisor. Why couldn't that person be you? Wealthy people value simplification. Is it simpler to have multiple advisors and institutions even when that doesn't add any value? Will you become the person they trust enough to consolidate all of their assets with? Or will that be someone else?
The third metric is how readily they act on your advice. Have you ever given someone advice and without any hesitation they said, "OK." That's trust. Even the most analytical people are capable of trusting at this level. The more you are trusted, the more quickly your clients act on your advice with less information, education or discussion. If you feel like you're "closing," the trust level is low. What would have to happen for you to become the advisor who exudes that level of trust? What is their behavior in this area telling you about how much they trust you? On a scale of 1-10, what's the score?
The fourth metric is the degree to which your clients are more influenced by you than they are by all the negative events in the world that are very effectively exaggerated, embellished and spun by smart and articulate people who deliver the "news." When the crap hit the fan a few years ago, did your clients stay the course of their plan or did they make you sell low, against your advice? What has to happen to move the needle on the trust dial so your clients are more influenced by you than their emotional reaction to events out of their control? What is their behavior in this area telling you about how much they trust you?
On a scale of 1-10, what's the score?
The fifth metric is about your compensation. First of all, is ALL of your compensation totally transparent and fully disclosed? Are ALL of the costs of doing business with you totally transparent and fully disclosed, not just the money that you get paid? And are they happy to pay whatever that is?
If there is debate about your fee, it could mean more than just a cheap client. There could be a trust issue at work. When that needle on the trust dial moves farther to the right, your clients will be happy to pay the fee, provided, of course, there is a good value. What is their behavior in this area telling you about how much they trust you? On a scale of 1-10, what's the score?
And that brings us to metric No. 6: referrals. I think it's reasonable to believe that your clients have to trust you more to refer you to their friends, family and colleagues than the level of trust required for them to do business with you. A referral and introduction puts their most important relationships at risk. If you drop the ball, it reflects badly on them. So, do they refer you? How involved are they willing to be to make a warm introduction?
Obviously, there's a significant trust difference between, "Call so-and-so, but don't use my name" versus "Give Bob a call later this week after I have the chance to speak with him and tell him how much I trust you and what a great job you have done for me." And don't believe it for a moment if you ever hear, "We just don't refer." That's not-very-encrypted code for, "I don't trust you enough to risk my relationships with my friends, family and colleagues to make those introductions." Your mission, should you decide to accept it, is to be trusted that much. What is their behavior in this area telling you about how much they trust you? On a scale of 1-10, what's the score?
Now what? How do you use this information to become a better advisor for your clients and a more successful advisor for yourself and your family? The first step is an assessment to discover the truth about the level of trust that exists with your clients based on their behavior against these six metrics.
To make it easier for you, we created the Metrics of Trust Spreadsheet. Follow this link to download it for free: www.billbachrach.com/metricsoftrust.
Essentially, the way it works is that you enter the name for each of your clients and assess where they stand in each of these six areas. Using a simple 1-10 scoring system, your trust score with that client could be a maximum of 60. It will be very apparent where you want to improve your value delivery or strengthen the relationship to move the needle on the trust dial to where both you and the client would prefer it to be.
Make it your goal to become the kind of advisor and communicator who can move the needle on the trust dial to create a clientele who are fully comprehensive, consolidate all of their business with you, act on your advice, are more influenced by you than negative external events, happily pay your fee and consistently introduce you to their friends, family and colleagues.
Bill Bachrach, CSP, CPAE is considered the financial services industry's leading authority on building high-trust client relationships. He is a popular keynote speaker and successful financial professionals from around the world subscribe to the Values-Based Financial Planning turnkey business model to establish themselves as top 1% advisors in terms of value for their clients, financial success, and quality of life.
An Intelligent Client Acquisition Methodology
Hint: It's not about pushing products and sales
Financial advisors sometimes joke about their clients' unrealistic expectations. They smirk about Mr. Smith, who's looking for a no-risk, high return, government-guaranteed investment vehicle. They snicker about Mrs. Jones, who wants a fund that performs well in any market. Meanwhile, those same advisors are on the quest for the perfect client acquisition methodology. They want a system that's easy to implement, fairly inexpensive, requires very little risk and makes the phone ring off the hook with no effort on their part. I'm sure we'd all like to find something like that, but it simply doesn't exist.
In this business, there is no nirvana. No matter what methodology you choose, you have to put in the time, energy and money to make it work. M. Scott Peck began his book, "The Road Less Traveled," with the famous line, "Life is difficult." Once you understand and accept that, Peck says, then the fact that life is difficult no longer matters. The same is true with finding a client acquisition methodology. Instead of trying one program after another in search of some method nirvana, successful advisors understand that discomfort is inevitable and they work hard to push past it. That's the first secret to success-being willing to do the uncomfortable things.
Going into the 1984 Los Angeles Olympics, the U.S. gymnastics team was not expected to do very well. Against all odds, they won the gold medal. The team's captain, Peter Vidmar, scored a perfect ten on the pommel horse and took first place in that event. People often ask Peter what it takes to become an Olympic champion. He tells them, "It's pretty simple, really. You only have to work out two times-when you feel like it and when you don't."
In your search for the perfect methodology, stop for a moment and ask yourself this question: Are you willing to do the work it requires, when you feel like it and when you don't? If the answer is yes, you're halfway there. Now you just need to find an intelligent method and stick to it.
Here are four ways to recognize an intelligent methodology.
An intelligent methodology is client-centered. For decades, financial advisors have been showing up in the marketplace like salespeople-with aggressive marketing, direct mail and those dreaded suppertime cold calls. No client has ever said, "You know what I want in a financial advisor? I want a really good salesperson. Someone who can handle my objections and make features and benefits presentations. And when I'm really resisting buying, I want a really good closer." If you looked at prospective methodologies through your clients' eyes, you'd never choose a method that focuses on making you a great salesperson. That's not what your clients want. An intelligent methodology is client-centered, not product, sales, or "you" centered. A client-centered methodology attracts clients instead of pushing them away.
An intelligent methodology produces an intelligent and profitable business. When a sales-centered methodology works, it usually results in too many clients who don't generate the revenue, the kind of business or the life you really want. If that sounds like your business, you're probably in one of two stages. Either you're just starting out, or you've spent a lifetime building a business that's not making you happy.
Either way, there's good news: It's not too late to get out of the wrong system and into the right one. With a dedicated commitment to systematically implementing an intelligent methodology, you can rebuild in two to four years.
An intelligent method executed over time leads to exactly the kind of business you'd like to have-a business with the right number of the right kind of clients paying you the right amount of money. That's because a client-centered methodology attracts the type of people you want to do business with.
An intelligent methodology leads to an incredible life. Twelve or 13 years ago I was giving a presentation at a major wirehouse in Los Angeles. During one of the breaks, a young man in his early twenties came up to me and told me how excited he was. He was a hardworking, ambitious guy with fire in his eyes and enthusiasm in his voice. He was modeling his business after a $2 million producer in his office, and he was clearly focused on the money. I suggested, "Before you model your business after somebody else, make sure you look at the whole picture. Don't just look at the business, look at the person's life. How many times has this guy been married? What kind of relationship does he have with his kids? What kind of physical shape is he in? Is he healthy? Does he have time to work out and is he inclined to work out? How many hours a week does he work? Do you really want the whole picture?"
Before you choose a methodology to implement, find out about the people who use that method. Don't just zero in on the money they're making or the number of clients they have; focus on the whole life.
Our favorite success story is Mark Little, not only because of the financial wealth he's earned by implementing our methods, but because of the incredibly wealthy lifestyle he's created. Mark's business generates a predictable annual cash flow of $1.6 million, with predictable annual expenses of less than $500,000. I know there are advisors who make more money, but I'd put Mark's whole picture up against anyone else in the industry. He works three days a week, he's gotten himself in great physical condition and he has amazing client loyalty. I don't care who you are, how smart you are or how articulate you are, you couldn't steal one of his clients in a million years.
An intelligent methodology includes implementation support. Early in my speaking career, if people liked what they heard at my seminars, they could go to the back of the room and buy my mastery system. The package included (and still does) all the necessary books, audios/CDs and videos/DVDs along with four quarterly teleconferences-other than that, they were on their own. After a while I included additional support: I'd put my 800 number up on the screen and say, "If you have any questions you can call me." Hardly anyone ever did. They'd buy the system, take it home and put it on a shelf. Jim Rohn calls this the law of diminishing intent. They'd have great intentions when they bought the system, but they didn't do anything with it. That really bothered me, so I began focusing on helping people implement the system.
Most human beings under most circumstances most of the time need help implementing. They're a lot like kids learning to ride a bike without training wheels. When they're first learning, it's not unusual to lose their balance and tip over. When that happens, we pick them up, dust them off, get them back on the bike and give them a push. If we stand there for a little while and watch them, they'll either fall off again or veer off course. It's our job to catch them and get them going in the right direction. Ultimately we get so good at this that we anticipate them falling off the bike, and as they start to lean over, before they hit the ground, we reach up, push them back in the seat and keep them moving in the right direction.
Before you adopt a methodology, ask this question: When you veer off course or fall off the bike, what's built into the system to make sure you get back up and move in the right direction at a rate of speed that will get you where you want to go? If the system doesn't include human interaction to help you implement, it won't matter how good the content is. An intelligent methodology includes an ongoing accountability structure and a mechanism for getting things done.
Bill Bachrach is the author of several books, including the best-selling Values-Based Financial Planning™. He has delivered approximately 2,000 keynote speeches and presentations teaching financial professionals to build high-trust client relationships. For 22 years he and his team have trained successful advisors and planners to dramatically improve their client loyalty, build their business by referral only, and live a very high quality of life.
Working Well
In order to be the highly successful financial advisor that you are capable of being, you must have good work habits. This is crucial for several reasons, foremost being a trust issue. How can one person who doesn't have their "stuff" together expect people to pay him/her to get their stuff together?
In other words, if you are sloppy and disorganized and if you spend too much of your time on low-payoff activities that are not moving you toward your goals, then why should clients trust you to help them get their finances organized and make the smart financial choices necessary to achieve their goals?
Being trustworthy is more than just being an honest person who isn't going to steal a client's money or give bad advice. Let's explore some of the work habits of successful advisors as well as some of the work habits of not-so-successful advisors; you can use these as examples of what to emulate and what to avoid.
We will break this down into four key elements:
• Client service work habits.
• Client acquisition work habits.
• Leadership work habits.
• Time management work habits.
First of all, what is "success"? In my opinion, success is three things:
1. The value delivered for the client.
2. The financial success of the advisor.
3. The quality of life of the advisor.
Notice that numbers 2 and 3 also benefit the client; they are not just about you. If you were a financially successful client, would you want to have a financially unsuccessful financial advisor, or would you want to have a stressed out financial advisor who is living a crappy quality of life?
Client Service Work Habits
1. Successful advisors spend their time with clients who are profitable.
Unsuccessful advisors work with too many people who are not profitable and probably don't even know how much revenue a client must generate in order to be profitable in the first place. They say, "I know we're losing money on each of these clients. We'll make it up with volume."
2. Successful advisors are either truly comprehensive or, at the very least, do much more than most financial advisors. It's interesting how many financial advisors do exactly the same thing as pretty much the rest of the financial advisor world but claim to be "different." The most successful financial advisors have a value proposition that is driven by their knowledge of what is best for the client, rather than by what the client is willing to buy.
Unsuccessful advisors will pretty much sell anything to anybody anytime. Whatever the client is willing to buy is what they are going to sell. They are not really "advisors" at all. They are salespeople.
3. Successful advisors serve a finite number of clients who pay them a predictable amount of recurring revenue. They are not only clear about how much money each client must generate, they also know how much time to budget per client in order to serve the client and be profitable.
Unsuccessful advisors have little clues how much time to budget to serve a client. They tend to rationalize this with silly statements like, "Every client is different, and so it's impossible to know how much time it's going to take to serve them."
4. Successful advisors are orchestrating a systematic process for delivering the promised value for each client.
Unsuccessful advisors struggle to do the best they can with what they've got on an ad hoc basis.
5. Successful advisors are excellent at helping clients manage their emotions about external events. Regardless of what's happening in the markets, the economy, politics or world events, the successful advisor is able to keep her clients focused on what they can control and stick to the plan. There is no time or energy wasted writing market or economic updates or reacting to the ever-present uncontrollable events.
Unsuccessful advisors are whipped around by the clients' emotional responses to the negative news about the market or the economy or politics or world events. They churn out long written explanations about the fiscal cliff or the debt ceiling, or what happens depending on this or that political event/election, or what happens if one European nation or another defaults on its debt. And many of their discussions with their clients center on these events over which there is no control. The downside, of course, is that these activities are an enormous waste of time. This is time that could have been invested in acquiring another ideal client or enjoying life or making a difference.
Client Acquisition Work Habits
1. Successful advisors build their business by referrals and introductions.
Unsuccessful advisors typically deploy multiple time-consuming and expensive marketing tactics, usually mastering none of them and ultimately investing large sums of money that produce very small results. Or they never do much of anything to acquire clients because they can never afford to.
2. Successful advisors are very good on the phone and use some of their client acquisition time to connect with people they have been referred to by calling them. Because they have excellent people skills and are eager to engage people face-to-face, while some people are more "outgoing" than others, successful advisors have consciously developed their people skills.
Unsuccessful advisors seem to be afraid of people and tend to do just about anything other than talk to another human being. They are often "wrapped around the axle" trying to get people to call them by building the perfect website or deploying the fantasy social media plan.
3. Successful advisors ask really good questions, are excellent listeners, truly empathize with people, and when it's their turn to talk, are very effective at articulating how their process will help the prospective client achieve meaningful results in their life.
Unsuccessful advisors tend to talk about the features of their products, the markets, investment performance, why their company is great, etc.
Being successful is a matter of integrity and good client service. You don't have to be a rich financial advisor whose quality of life is perfect in order to acquire and serve financially successful clients. However, if you're not on the path of financial success and living a great life, you're a fraud. People who give other people advice about their money and goals should also be financially successful people who achieve their goals.
1. Successful advisors recognize that everything they do is about leadership, especially their client service work. They lead their clients by understanding exactly where the client wants to be (also, when and why), and then they lead the client with great advice and accountability to get there.
Unsuccessful advisors tend to be subservient to their client and have an upside-down accountability relationship where the client is holding them accountable instead of the other way around.
2. Successful advisors lead and give advice. They are not educators, therapists or salespeople. They tell the client what he needs to hear, not necessarily what he wants to hear, even if it means risking the relationship.
Unsuccessful advisors tend to do just about anything but lead and advise. Instead, they justify wasting the client's time by educating him, or they take the sales approach and present options so "the client can make his own decision." This is not leadership.
3. Successful advisors lead a team of other subject matter experts to do the best possible job for the clients. They are the point people who make sure the accountants, the money managers, the financial planners, the lawyers, the insurance agents, the bankers, etc. are all doing the job they are supposed to do to contribute to the clients' financial success. When all these professionals are in the same room together, it's obvious that the advisor is in charge.
If the unsuccessful advisor is even in the same room with the accountants, the lawyers, the money managers, the financial planners, the insurance agents, the bankers, etc., he is just another player on the team and not the "head coach." If your client ever checks your advice with someone else, then you know you're not the leader.
Time Management Work Habits
1. The successful advisor spends most of his or her time engaged in productive client service, client acquisition, and leadership activities. Until your ideal client community is complete, you can expect to invest at least eight hours per week in direct client acquisition work.
An unsuccessful advisor tends to "study" much more than is necessary. They study the markets, economics, politics and world events as if they can somehow predict what's going to happen and capitalize on it. They tend to spend less than two hours per week in anything that could remotely be considered serious client acquisition work.
2. Successful advisors are good delegators, especially when it comes to the administrative elements of running their businesses.
Unsuccessful advisors seem to never have enough time to go get more ideal clients because they are stuck in the minutiae of running their businesses. As the saying goes, if you don't have an assistant, you are one.
3. Successful advisors delegate and outsource to highly-qualified technical subject matter experts rather than trying to maintain an expertise in everything, including financial planning, investments, insurance, taxes, law, etc. They have a good fundamental understanding and they make sure things get done rather than feeling like they have to do things all by themselves.
Unsuccessful advisors tend to act as if they have to know everything themselves. They are trapped by the illusion that one person can be an expert in all the areas of finance necessary to help their clients make smart choices about their money.
It's impossible to cover every element that distinguishes the successful advisor from the unsuccessful advisor. However, if you shift your behavior and habits to fall on the successful side of the habits ledger outlined in this article, you will tap more of your true potential. Your clients win and you win.
©2013 by Bill Bachrach, Bachrach & Associates, Inc. All rights reserved. Bill Bachrach is the author of several books, including the best-selling Values-Based Financial Planning™. He has delivered approximately 2,000 keynote speeches and presentations teaching financial professionals to build high-trust client relationships. For 25 years he and his team have trained successful advisors and planners to dramatically improve their client loyalty, build their business by referral only, and live a very high quality of life.


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A Milwaukee man said he doesn't know what came over him when he grabbed a teenager's head and forced it toward a trash bin after she failed to recycle a bottle April 18, according to a city of Brookfield police report.
According to the report:
The 76-year-old man confronted a 13-year-old girl in the food court at Brookfield Square Mall after he saw her toss a glass bottle into a garbage can just before 1 p.m.
The girl told officers that the man grabbed the back of her head and forced her toward the trash can, telling her to dig it out so it could be recycled.
She also said he asked her where she went to school before leaving the food court.
Police were called and arrested the man at a bus stop outside the mall.
Following his arrest, the man was "apologetic" and said he didn't know what had come over him.
After considering citing the man for battery, an officer wrote him a ticket for disorderly conduct because the teen was uninjured in the confrontation.
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Event Name
- OR - Select an option belowhttp://www.denvercenter.org The Garner Galleria Theatre is the most intimate space in the Denver Performing Arts Complex. It hosts touring productions, local shows, acting classes and special events year-round. And since the Denver Center for the Performing Arts lies the Garner Galleria Theatre. And since the venue is small, there's not a bad seat in the house. The excellent sound system makes an evening here even more enjoyable. More >>


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The BBC has announced that its Android iPlayer app now supports iPlayer downloads, a feature that's been requested since iPlayer first landed on the Google Play store.
Android users on Ice Cream Sandwich and Jelly Bean can download programmes and watch them back for up to 30 days. Once you hit play, you'll have seven days to finish watching what you've started.
As an added bonus, you can carry on downloading shows in the background while you're using other apps – a feature not available to iOS users.
Tablet love
Android tablet users will be defaulted to High Quality downloads, though you can choose to download in standard quality if you still wish to do so.
The updated iPlayer app should hit the Google Play store later on today and will be available on the devices below.


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Visit : Museum/Discover
The Caves of Han - PrehistoHan
© Domaine des Grottes de Han - Guy Evrard
- Address:
Rue des Grottes 46
5580 HAN-SUR-LESSE (ROCHEFORT) - MAPS: Google Maps
© WBT - Jl. Flémal
© Domaine des Grottes de Han
© WBT - Jl. Flémal
A fascinating exhibition shows 50 years of underwater excavations in the River Lesse.
An interactive 3D film presents the archaeological digs in the Caves of Han in a fun and dynamic way.
Some useful information
In order to prepare your visit, consult the Han Caves opening times on line.
Find out more
Groups, booking required
Every day except in December and January.
Shows in French, Dutch, German and English on request.
Duration: 45 minutes.
The PassHan: Han Cave + Wildlife reserve + PrehistoHan + Han Yesteryear:
Adults: €25pp
Senior citizens, teenagers and students: €21pp
Children (4-12 years): €16pp
Free for children under 4 years old.
Tourist information on the town ROCHEFORT


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How you can donate:
A tax-deductible donation to Outward Bound Philadelphia will provide a partial or full scholarship to a deserving student from the greater Philadelphia metropolitan region or any community in PA, NJ or northern DE that you may designate. You can make a secure online donation here. If you prefer, you may also contact us and donate via the phone or regular mail. We also offer individual giving programs as well as team fundraising programs. If your employer has a employee matching gift program, we are a 501c3 tax-deductible organization. Help Outward Bound Philadelphia empower thousands of young people to implement positive change in their city, their communities and their world!
Your donations at work
At POBS, we seek innovative ways to apply Outward Bound's renowned Educational Framework to address emerging social needs. We serve people of all ages and all walks of life. We offer a portfolio of single and multi-day courses that help our students discover that "there is more in them then they thought", to strengthen character and to build an ability to leadand a desire to serve.
We want our students to have a positive impact on their lives and the lives of those around them. We employ a diverse and compassionate staff of highly trained, skilled and dedicated instructors, facilitators and educators trained to meet needs within our region. We partner with educational institutions, businesses, civic organizations and parents to serve all who wish to participate. That's how Outward Bound has used challenge and discovery to change lives and prepare people to be capable, compassionate and engaged leaders since our founding in the U.S. in 1962.
Your support enables students and adults to build character, leadership skills and a strong sense of service to others. Join us!
Outward Bound for Veterans
POBS delivered Veterans expeditions for 13 transitioning servicemen and women in 2013. These highly focused expedition courses offer 6 days of backpacking and advanced navigation training on the Appalachian trail in south central PA, and include a closing pin ceremony at the Warrior Writers' Veteran's Mural in West Philadelphia. Veterans courses cost $2,000 per participant.
"Words alone cannot describe my experience. Getting out in nature and challenging myself to be honest from within is now a core part of my life. My Outward Bound experience inspired me to acknowledge, accept and process whatever challenges come my way, along with making peace with the past."
- Matt Benko, Outward Bound Vets Course Alum
Outward Bound for Students
Seeking to build positive school cultures, the School District of Philadelphia asked POBS to provide 45 students from four merging rival high schools with a six-week intensive summer Leadership Development Program. Themes included problem solving, team building, challenge course adventure elements, leadership skills, kayak and canoe training and community service projects in partnership with Philadelphia Urban Creators, Philabundance & Awbury Arboretum.
"No one has ever believed in me for that long… to see me from the beginning to the end. I will encourage [my peers] to be a part of Outward Bound and experience the natural things that I had never experienced."
- Rashaun, South Philadelphia HS Senior, 6-Week Program Alum
Get involved
The Philadelphia Outward Bound School (POBS) welcomes and appreciates your involvement in serving our city's underserved students, veterans and bereaved families.
No matter your background, interest or skill set, there is an opportunity for you to truly make a difference. Learn more about how you can get involved.
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Anhera Suite Ubud Bali is a luxury suite by the green valley of Ubud, located in the heart of Bali's culture centre, provide you a total relaxation and rejuvenation, great Spa treatment, with suitable facilities for honeymoon in Ubud and unique taste of our Balinese food in our Kapulaga Restaurant.
This luxury villa of 8 suites, located by the edge of Ubud's valley, combines sophistication of unique little resort concept with a natural of green environment. Anhera Suite offers a great escape from your daily hustle bustle, bring a home sweet home experience, where your friendly Balinese assistants were professionally trained to serve your every need.


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Despite alerts received through a $1.6 million malware detection system, Target failed to stop hackers from stealing credit card numbers and personal information of millions of customers, Bloomberg reports.
The Snapdragon 810 chip, which was created for high-end phones, overheated in testing, Bloomberg reports.
Magzter now offers the same "Netflix for magazines" model as Next Issue. But which service delivers a better reading experience, and which is the better deal?
Shazam says that it has over 100 million monthly active mobile users and has added more tracks to its music catalog.
Sling TV is a new $20 per month live TV package with 12 channels, including ESPN, TNT, CNN, HGTV and the Disney Channel. How does it work, how can you get it -- and will it let you quit cable?
The search giant says its interest in SpaceX is rooted in satellite imaging, as well as other "space-based technologies."
Merger could boost the wireless operator's video offerings, according to Bloomberg.
The new HTC flagship and first wearable are reported to be on their way at MWC in a few weeks.
The SpaceX CEO wants to build a satellite network high above Earth that would speed up the Internet and bring access to underserved communities. And he'll use the profits to help colonize Mars.
The trial of the mastermind behind Silk Road began with the defense admitting Ross Ulbricht founded the illicit online drug marketplace but arguing he really wasn't the true operator of the site.


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Iron Chefs vs. Iron Chefs
by FN Dish Editor in View All Posts, View Video Only, November 10th, 2008
New Iron Chef coats will be revealed during the Iron Chef America Thanksgiving battle Sunday, and we're here to give you a sneak peek! To see more, watch as Bobby Flay and Michael Symon go head to head with Morimoto and Cat Cora, Sunday at 8:30pm/9:30c.
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Made-Over Game-Day Recipes to Lighten Up Your Party
Make better-for-you versions of game-day classics....Comments (
16 )-
I am beyond excited for Battle Thanksgiving! The opportunity to watch four Iron Chefs simultaneously battle it out is going to be intense. After watching Bruce's preview I was amazed to see the difference in culinary perspective between each team of Iron Chefs. Call me nostalgic but I am hoping for Bobby & Michael's cuisine to reign supreme with their all American take on my favorite holiday meal!
We love ya Bruce!
Eric and Hudson -
I think it stinks that my boy Mario isnt competing! Heck, they should do a 3 way battle, and he could fight it out on his own or pick a "celebrity chef" to partner up with.
I love watching Iron Chef America, (and I DVR it every week) but my most favorites are when Mario Batali is the Iron Chef.
I am a huge fan of morimoto and would love to see his take on an american holiday classic. I'm sure whatever he and Cat Cora make will be delicious. Go Morimoto and Cat Cora!!
I can hardly wait to see this battle! I really enjoy the friendly give and take between the chefs even though they are competing with each other.
I don't watch any of these anymore. I did for awhile but it was nothing but a joke. I am born and raised in the midwest, the heartland of American. We raise the grain that feeds the animals. We raise the animals. Then we butcher and prepare them. And we don't need any nasty cheese or baby vomit looking pesto to disguise how our food tastes, it stands up for itself. So until these "great and wonderful" chef's show up in the midwest and work their tails off raising the grain and the food and find out how good really good food tastes without "additives", these people just don't interest me. In fact, they make me laugh, all the while I'm downing my traditional REAL Thanksgiving dinner.
I like that Morimoto's been reverted back to his original Iron Chef Japan colors.
I really enjoy the program when Mario Batali competes. I wish he would be on more, I'm tired of watching Bobby Flay. I want Mario back!!!
I just enjoy watching Iron Chef compete… sometimes there was too much tension if their food are going to taste good… no matter my mom and my children just love watching IRON CHEF ! THE PRESENTATION OF THE PROGRAM IS SO CLASSIC! ALL THE CHEFS ARE JUST MARVELOUS!
We love you BRUCE ! GREAT SHOW !


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Anyone done anything with a V1/V2 rocket scenario?
I believe the old AH Airforce game did something with this. Might be a fun solo game. Really just need one mauever card for straight distnce and try and then attempt to intercept and shoot them down. Similar to the baloon busting in the WWI game I would think except the target is now moving.


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Can We Achieve Immortality?
Cancer cells share a curious characteristic. They are immortal. As long as they are fed, they will continue to divide. Not so for healthy cells, where a kind of timer built into the ends of chromosomes limits the number of times a cell can replicate itself. These timers are called telomeres. Think of them as the plastic caps on each end of your shoelaces that prevent the cord from unraveling. Each time a cell reproduces, a bit of the telomere is knocked off. When it is gone the cell stops dividing. With 46 chromosomes, humans have 92 of these life-span clocks.
This is the cancer connection. One of the enzymes found in 90 percent of cancer cells is a compound called telomerase. It replaces the bit of telomere clipped off after each cell division. If telomerase production can be turned on in normal cells, it seems reasonable that normal cells could become immortal. Experimental work by the University of Texas Southwestern Medical Center and Genron, a California biotechnology company, has confirmed this does indeed occur.
"Normally, cells stop dividing about their 70th generation," says Dr. Jerry Shay of the University of Texas. "These [telomerase-activated] cells are now up to over 100 population doublings, and they show no evidence that they will slow down." And, although the telomerase production has been turned on long enough for the telomeres to regrow to their original length, there is no indication that the cells have become cancerous.
Interfering with telomerase production also can be used to combat cancer, by depriving cancer cells that remain after conventional treatment of their immortality. Earlier this year, lab mice with cancer successfully underwent this treatment using a synthetic anti-telomerase inhibitor. "Over time this will have a significant effect on the health span and eventually on life spans," says Shay's collaborator, Woodring Wright.
Can We Create Life?
Nanotechnology is a manufacturing technique in which minuscule devices are assembled atom by atom. The only reason that building devices from such small parts is being taken seriously by IBM, Xerox and other technological powerhouses is because of a phenomenon known as self-assembly. If you lay down the proper sort of base structure, you can "grow" nanotubes, nanospheres and nanotransistors for computers.
At the University of Illinois, researchers are using the protein actin found in many types of human cells to create self-assembling structures. "Our actin-membrane capsules are in equilibrium and do not require energy to remain stable," says developer Gerard Wong.
Will we reach a point at which these self-assembling structures literally take on a life of their own? A team of researchers from the California Institute of Technology, the University of California at Los Angeles and Michigan State University believes the answer is yes. Inside a computer they have created "digital organisms." They have found that these cyberbeings respond to mutations in ways closely resembling the mutations of actual organisms such as bacteria, fungi and fruit flies.
"It's very difficult to ask very fundamental questions about life with a living system because the living system is very complex after 4 billion years of evolution," says Caltech's Chris Adami. "Life on Earth is all due to one event a long time ago. Everything we see is related to one accident, so if we look back at this, can we learn something about life in general?"
Adami's investigation is the first in which a digital evolution experiment has been modeled after one already done with a living organism, in this case E. coli bacteria. "I think we have convinced biologists that artificial life is not just a pipe dream, but is answering some fundamental questions about biology," he says.


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| Email | Full Article (TrendHunter.com/id/85469) |
These Givenchy Leather Masks prove that fashion can be a lot of things, scary being one of them. These masks were first seen at the Givenchy Spring/Summer 2011 fashion show, and have recently been confirmed as purchasable accessories.
These Givenchy Leather Masks aren't exactly everyday wear, but fashion isn't bound by the conventional fashion norms of professional bloggers. Check out the gallery to see all of the mask colors and styles, and be sure to check the related trends below to see where it all began.


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Not sure if this will work but I think we need some new games, so here it goes. I will post a number, any number between 0 and 1,000 and the next person has to give an answer using that number. It can be Disney related or not.
For example:
10 - is how many days I spent at WDW in 2001.
Then I would pick a number:
The next person would answer using that number:
26 - is how many bones are in the human foot.
You get the idea....it can be about anything. If this takes off we can change the rules and go over 1,000, I just didn't want something like 100,000 or 1,000,000 to start off.
So...the first number will be...31!


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Instead of price matching, we just price all our auto parts as low as we can. Autohaus prides itself on being able to give customers the best quality at the best price. You can contact us through email or through our toll free hotline. Thousands of Mazda B1600 Brakes parts in stock now in our warehouses. We only use your private information to complete your order and keep you apprised. Been searching everywhere for hard to find Mazda B1600 Brakes auto parts, search no further. You can literally save thousands of dollars by buying Mazda B1600 Brakes parts from us versus the dealer. Every Mazda B1600 Brakes part you could ever ask for can be found in our online store.
Glen C. - Columbia, MO: Thank you very much for your great service. Yes I will be utilizing AutohausAZ in the future. I have used several online suppliers over the years and your service stands out as the best. I recommend your services to other enthusiasts. Keep up the fine work.


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I was shocked and amazed when I saw the boxes of Call of Duty Modern Warfare in the Wii section of Gamestop the other day so I went searching for reviews. Metacritic gave it it a reasonable 77, while the following two Youtube reviews rate it very highly. Graphics look awful, and aren't a patch on the Xbox 360 or PS3 version but the Wii remote makes aiming easier and more precise.
I loved Call of Duty WAW on the Wii, I'm tempted to dust down the machine for this too…
Just added it to my Amazon Wishlist.
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Barcode Discount › Barcode Scanner › Honeywell Scanner › Honeywell Xenon 1900 › Honeywell 1900GSR-2USB
The Honeywell Xenon 1900 is redefining the standard for handheld scanners. Featuring a custom sensor that is optimized for barcode scanning, the Xenon 1900 offers industry-leading performance and reliability for a wide variety of applications that require the versatility of area-imaging technology. Powered by Adaptus Imaging Technology 6.0, the Xenon 1900 delivers superior barcode scanning and digital image capture. Xenon 1900 incorporates a revolutionary decoding architecture that combines Adaptus Imaging Technology 5.5 and Omniplanar's SwiftDecoder software along with a custom sensor, enabling extended depth of field, faster reading, and improved scanning performance on poor quality barcodes.
The Honeywell 1900GSR-2USB is also known as HHP-1900GSR-2USB or 1900GSR2USB .
All products Barcode Discount sells are new (not used). Most products ship via our low cost flat rate shipping the same day your order is placed and can ship overnight to anywhere in the US. Our prices are amongst the best available anywhere. Buy online or call 1-800-485-3730 for a free review of your product needs by one of our knowledgeable product experts.


text: Well my birthday is coming up in about 2 weeks and noticed my Glock 19 and Glock 23 are getting lonely. Well I wanted to remedy this and went to do some research at the local shop. I went in and looked at the Glock 26, M&P9c, and XD-40 Service model. The Glock 26 was too short and my little finger was dangling at the bottom. I held the XD-40 next. The grip was comfortable and liked the way it came to point of aim. The sight picture was acceptable. I like it but I don't think it would work too well for ccw. Bummer. Then I turned my attention to the M&P9c. The grip was very comfortable and I really liked the sights. It came to point of aim well too. The only thing they didn't have that I wanted to examine was the XD-45 compact. Well I guess my next step is to find a range that has all three for rent and test them out before I make a decision. It's going to be difficult, but I'll trudge through it.


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BiographyAlex Neil is currently a member of the Scottish Parliament for Airdrie & Shotts and Cabinet Secretary for Health & Wellbeing in the Scottish Government. He has been an MSP since 1999. He was elected at the 1999 parliamentary election at the head of the SNP list for the Central Scotland region, and has since been re-elected at the top of the SNP list in 2003 and 2007. He won the Airdrie & Shotts constituency in May 2011 with a 2001 majority. Born in Patna, Ayrshire in 1951, he began political life as a member of the Labour Party. He joined the Labour Party at the age of 16 and became the head of their student wing whilst studying economics at Dundee University. Upon graduation he became the Labour Partys Scottish researcher, until in 1976 he left Labour to help form the Scottish Labour Party. After the 1979 general election he worked in America before returning to Scotland and forming his own economic consultancy business. In 1985 he joined the SNP and stood as their candidate in the 1989 Glasgow Central by-election, also rising to senior office within the party. After election to the Scottish Parliament in 1999 he became SNP spokesperson for social justice before chairing the Parliaments Enterprise and Lifelong Learning Committee from 2000-2003 and then again 2004 till 2007. From 2007 Alex was vice-Convenor of the European and External Relations Committee and member of the Finance Committee. He was also co-Convenor of the Cross-Party Group on the Scottish Economy and on the Council of Europes Local and Regional Authorities Association. In February 2009 Alex was appointed Scottish Government Minister for Housing and Communities. After the 2011 elections Alex was promoted to the Cabinet as Infrastructure & Capital Investment Secretary before moving to the health portfolio in September 2012.
Alex is married with one son, and lives in Ayr.
For further details please visit Alex's page on the Scottish Parliament website. | ||


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Halfcocked's Singer Sarah Reitkopp
As you should know by now, Halfocked is playing our Metal Sludge Extravaganza #4 on March 2nd at Paladino's. So to continue with our theme of interviewing hotties all this week in honor of Valentine's Day, doing 20 Questions with Sarah was a no-brainer, just like our questions and Sarah's answers!
1. What are you currently up to? This is your only chance to plug your shit?
eating chocolate chip cookies… oh, and writing a shitload of new songs.
2. Do you have a real job and what do you do?
no. nothing.
3. Is it safe to say that our Metal Sludge Extravaganza is the biggest thing that has ever happened to Halfcocked?
we're doing THE metal sludge party?!?!? i have to go call my mom!
4. What hard rock/heavy metal band should give it up and call it a day?
i can't answer that. i live in la now. they'll probably start sening me dead rats in the mail or something.
5. Rate the following chick singers on a scale of 1 to 10. 1 being somebody who blows goats and 10 being awesome.
Gwen Stefani = 1
Pink = 1
Lita Ford = 1
Courtney Love = 1
Joan Jett = 1
Pat Benatar = 1
Britney Spears = 1
Fiona Apple = 1
Madonna = 1
Nancy Wilson = 1
hello!! there are no other female singers! besides that question takes too much time and too much thought!
6. Is Dreamworks even aware that Halfcocked in on their label?
7. For $500,000: There is a red button in front of you. If you push the red button, every man in the world who has ever cheated on his wife or girlfriend will die of a heart attack. Would you do it?
uhhhh. hell yes! $500,000!!
8. How long do you make a guy wait before you let him in your pants?
are we talking minutes or hours??with alcohol/drugs or without??
9. Have you guys gotten any radio play anywhere since the album came out?
yeh, i think one time on some radio station in the middle of omaha!
10. Rate the following dudes on a scale of 1 to 10. 1 being a scrub and 10 being a hottie.
Steven Tyler = 10 (he was my first crush. i fell in love when i saw him in the wonderful re-make of sgt. peppers)
David Lee Roth = hmmmmm, 8 back in the day, now he kind of freaks me out.
Gene Simmons = 4
Vince Neil = 9 skinny, 3 bloated
Bret Michaels = 9 (i kissed him once when i was 14 and fell in love. so did the 20 other girls in the room that he kissed.)
Sully Erna = 6 cute, but too little
Lemmy = i'm scared
Don Dokken = who?
Jani Lane = no comment
Marilyn Manson = 10 as a woman, 6 as a man
Paul Gargano = 9 (if he puts us on the cover of his mag. then 10)
Johnny Heatley = 15
Charlee Johnnson = 15 (i'm not stupid, i see these guys every day!)
11. Have you ever been naked in the same room with Charlee, and if so, how did that feel?
i just got a REALLY creepy feeling up the back of my spine.
12. Which do you prefer: Godsmack or Extreme = thats funny A guy with a 3 inch cock who can always get hard or a guy with a 10 inch cock who's always drunk = how 'bout the 10 inches and I'm always drunk! High heels or thigh high boots = rubber The Donnas or The Go-Go's = can't decide Victoria's Secret or Fredrick's Of Hollywood = i don't wear underwear Fred Durst or Lars Ulrich = eeeeiiiiiwwww!! Mac makeup or Revlon = MAC (depends how much $$ i have) Debbie Gibson or Christina Aquilera = no comment Urban Decay or Rock Candy = isn't that the same thing? Cosmo or Glamour = isn't that the same thing? |
13. Which rock star deserves a smack in the mouth and why?
anybody that doesn't like my band b/c they don't like my band.
14. Did moving the band from Boston to LA really make a difference?
yes. now we're all broke.
15. Last of Sarah Reitkopp:
Last time you had a yeast infection = 2 months ago when i was on cipro to fight off my anthrax.
Last time somebody asked for your autograph = today, when i got the mail
Last 80s hairband CD you listened to = motley crue
Last magazine you bought = hit parader (my band was in it. i'm such a loser.)
Last time you had sex = 20 minutes ago.
Last autograph you asked for = reggie lewis (for my dad)
Last time you got a speeding ticket = 1991
Last illegal substance you did = are you gonna tell on me?!
Last time your period was late = never, i've been on the pill my whole life.
Last sex toy you purchased = anal beads
16. What's the shittiest thing a boyfriend ever did to you? Please share your drama with all of us.
oh lord. who cares? i guess the time an old boyfriend dumped me for my best friend. good times, good times…
17. Other than us, and maybe Charlee, have you had to deal with any weird, stalker type fans or anything? If so, explain.
yes, this one guy, who just happened to look like a child molester, would come to all my shows and ask me if i would hang out with him and recite poetry.
18. We heard that Dreamworks wants you guys to start working on new songs and a new CD. Considering your CD came out in September, what's the reason for them not pushing this one and wanting you to work on another one already?
because they suck. no really, because we suck. no really…
19. What is disappearing quicker, the ozone or Halfcocked's CD sales?
ha! that ozone's in pretty bad shape, but it sure as hell will out last our CD sales.
20. Time for Metal Sludge Word Association. We mention a name and you give us your thoughts.
Spider One = yellow
Poison = death
Sebastian Bach = cut your hair
Buckcherry = eat some food
Howard Stern = he's still on?
"I Lied" = so did i
Paul Stanley = men
Fred Durst = bald
Creed = satan
Nikki Sixx = bad ass
Jaime Richter = hot
Now don't forget, if you're anywhere within 1,500 miles of LA on March 2nd, then you need to stop by our 4th Metal Sludge Extravaganza! You'll be able to see Sarah and the rest of Halfcocked as they hit the stage somewhere around 10 PM!
For more info on Halfcocked, you can go to their website atwww.halfcocked.com


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Johnny Marr announces debut solo album details
Johnny Marr has announced details of his debut solo album.
The Messanger will be released on February 25, 2013. It was recorded in Manchester and Berlin and features the former The Smiths guitarist on vocals, guitar and production.
The LP was mastered at Abbey Road studios by Frank Arkwright who recently worked with Marr on the remastering work for The Smiths' box set Complete.
Speaking to NME about the album, Marr said he didn't want to be in anyone else's band anymore. After leaving The Smiths in 1987, Marr played in a number of other bands, including The The, Modest Mouse and The Cribs.
"It is late in the day to be making my debut," Marr said. "I didn't want to be in someone else's band at this point. In the past I might have been reluctant to stand up front, and I've been lucky enough to be in bands with great singers, so it wasn't necessary. But this is my band now, and the frontman in my band has to play guitar. I do both."
Speaking about the rumours that his former band The Smiths are set to reunite, he said: "Everybody seems to know more about a Smiths reunion than I do. Those rumours are like a sport for everyone involved bar the people who were in the group 30 years ago. But it's not happening."
Marr is also set to join grunge icons Dinosaur Jr for a special performance in New York this December to celebrate the 15th anniversary of the band's 1987 album You're Living All Over Me.


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Slide Show |
August 2012
5 Affordable Bathroom Renovations
The cost of a bathroom makeover can be daunting, but there are ways to save. One smart strategy is to focus your renovation efforts on a smaller, more commonly used bathroom rather than an expansive master.
A typical midrange bathroom update, which can include installing a new tub, tile surround, toilet, vanity counter with sink, recessed medicine cabinet, vanity light and ceramic tile floors, runs about $16,600, according to
magazine's annual
"Cost vs. Value" report
. A full-blown master bathroom renovation averages about $52,200. When you sell your home, you'll also recoup a higher share of the cost of a midrange remodel (62.2%) vs. a master (55.5%).
Make your midrange remodeling project even more affordable by selecting good-quality-but-lower-priced fixtures and materials, advise the experts we've talked to. Pick an American Standard over a Toto toilet, for example, or laminate over granite countertops. Also minimize layout changes. The less the need to relocate plumbing and electrical, the lower the final renovation bill.
Here's a before-and-after look at five affordable midrange bathroom projects that cost less than $15,000
Follow @AnBrowne
5 Affordable Bathroom Renovations
From Poorly Designed...
: Patrick Hurst, owner of Hurst Design-Build-Remodel, in Middleburg Heights, Ohio
: The vanity in this small powder room took up the length of an entire wall in an already cramped space. When you entered the bathroom, there was very little clearance to close the door once you were inside, making it uncomfortable to use, Hurst says. The existing materials, including the wallpaper and fixtures, were long overdue for an update, too.
From Poorly Designed...
...To Roomy and Refined
Cost of renovation
: $13,000
: In order to get optimal functionality out of such a tiny space, Hurst replaced the old vanity with a freestanding contemporary one about half the size. He installed a new high-efficiency, water-saving toilet and moved it to the same wall as the vanity to help create more space. The reconfiguration of the layout opens up the entry and allows more room to maneuver once you're inside the bathroom.
How to control costs
: When you're working with a small budget, you should have an idea of what you really want to invest in before getting estimates from contractors, Hurst says. "Don't go into a project like this with a huge wish list only to be disappointed." So if your heart is set on a ceiling-mounted rain shower head, compensate for that expense by picking less costly tile, flooring, fixtures or accessories.
...To Roomy and Refined
From Dark and Damp...
: Lyn Gilbert, president of L.M. Gilbert Remodeling, in Orlando, Fla.
: The previous design work in this space had a variety of problems, Gilbert says. Most notable was a drop ceiling over the tub and vanity area, which restricted air circulation, and the open partition connecting the tub and vanity area, which caused water to splash directly through the open wall and onto the vanity.
From Dark and Damp...
...To Functional and Bright
Cost of renovation
: $12,000
: Gilbert's main objective was to improve the bathroom's overall aesthetics and functionality. He stripped out the dated wallpaper and chose pale blue paint for the walls. The low-hanging lights and column partitions in the vanity area also had to go. A full-length tiled wall now separates the shower from the vanity area. Finishing touches, such as a dresser and nightstand recycled from another room in the home, were added to provide more storage.
How to control costs
: Don't be afraid to reuse and repurpose items during a bathroom renovation. Keep the tub, mirrors or lighting in place as long as they're in good shape and match the new décor. Salvaged tiles can add a vintage look at a fraction of the cost. Where you don't want to skimp on price or quality are plumbing fixtures, Gilbert says. "If they fail to work properly, you may have to tear out the wall."
...To Functional and Bright
From Dated and Damaged...
: Eric Fennekohl, president of E.F. Remodeling, in Baltimore
: When the homeowners noticed cracked grout joints and loose floor tiles in a corner, close to where the floor meets the tub, they called Fennekohl. Upon further inspection of the 22-year-old bathroom, Fennekohl found "significant water damage to the subfloor, which had to be addressed."
From Dated and Damaged...
...To Updated and Safe
Cost of renovation
: $9,000
: Fennekohl and his crew gutted the entire bathroom and were able to fix the water-damaged flooring. Once that was complete, they rebuilt the bathroom from the ground up with all new fixtures, including the tub and toilet. Fennekohl was able to stay under the homeowners' budget of $10,000. That allowed them to add on extras, such as a built-in soap niche, safety rails and a custom sink.
How to control costs
: If you plan to stay in your home indefinitely, especially into your older years, it'll pay off in the long run to install safety features now while the bathroom is gutted and under renovation, Fennekohl says. Consider hand rails and non-skid surfaces in the shower/tub area. If mobility is a future concern, think about a wider door and taller toilet, too. It'll cost more to get a contractor to retrofit these items in the future.
...To Updated and Safe
From Stark and Unappealing...
: Lou Ann Burgess, kitchen designer for iKitchens Etc., in Falmouth, Mass.
: The homeowner wanted to give the space an overhaul but keep the look quaint and not over-the-top, Burgess says. Installing a larger shower with a glass door, adding a pedestal sink, and coming up with storage space somewhere other than in the vanity were key requirements for this project. Burgess also wanted to get rid of the bathroom's one-dimensional white color palette.
From Stark and Unappealing...
...To Colorful and Contemporary
Cost of renovation
: $13,500
: Burgess relocated the "wet" wall, which houses the bulk of the plumbing, to help expand the bathroom and allow for a larger shower stall, and she added a pedestal sink. She installed a cabinet opposite the sink to address the homeowner's need for storage. To introduce some color into the space, Burgess painted the walls a muted yellow, but she kept the classic white fixtures, including the toilet and sink, to provide a timeless look and feel.
How to control costs
: Renovation delays can cost you time and money. Compare prices between local kitchen and bath stores in your area and chain retailers such as Home Depot or Lowe's, Burgess suggests. If they're comparable, go with the local store. "The likelihood of getting a product in good shape is much better at a local store than at one of the bigger chains," she says. Also, place orders well in advance to avoid shipping delays and to allow for reshipping if parts are damaged or missing.
...To Colorful and Contemporary
From Outdated and Unexciting...
: Chis Beasley, president of Aspen Builders, in Highlands Ranch, Colo.
: This bathroom -- from the cabinetry to the polished brass plumbing fixtures to the globe lighting atop the vanity -- was dated and in serious need of an upgrade, Beasley says. The homeowners wanted to give the space a more contemporary look, as well as expand the shower area.
From Outdated and Unexciting...
...To Rich and Inviting
Cost of renovation
: About $15,000
: This remodel started with a full demolition, Beasley says, because the shower, sink and tub all were getting replaced. Because the bathroom's layout remained practically the same, no major (read: expensive) plumbing or electrical work needed to be done. Once the homeowners chose new materials and finishes, it was just a matter of installing the upgraded fixtures, which included a his-and-her vanity area with recessed lighting and a storage cabinet with a shelf for a small TV.
How to control costs
: With a limited budget for a bathroom renovation, there are certain things that homeowners probably won't be able to afford to do, such as rearranging the entire layout of a bathroom, Beasley says. Instead, focus on the areas that will get you the most bang for your buck. This can include updating carpeted flooring to tile, upgrading tile counters to a solid surface, changing plumbing fixture finishes, and replacing dirty or damaged shower pans and glass enclosures, he suggests.
...To Rich and Inviting
You Might Also Like...
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Where it began (enter Nirvana)
Although the late 80's were sprinkled with great guitar rock bands like the Pixies and Husker Du, these bands were little known on a global level. Popular music was concerned more with image and superficial entertainment as what it has grown to again today. This, of course, left the music cold and lacking of any truly emotional qualities. Even the hip-hop and rap of the day was of the light beer, dance hall, diluted to 1% of its strength variety. This atmosphere festered and bred a more apathetic music listener. This tendency also had other disastrous side effects like the decline of live music on a local level as well as many other detrimental by-products, but that's a whole other story. Anyway, the point is pop music was breeding a whole generation of music listeners who were void of passion, and as a result many believed rock music to be dead. Enter Nirvana.
"The whole problem can be stated quite simply by asking, 'Is there a meaning to music?' My answer would be, 'Yes.' And 'Can you state in so many words what the meaning is?' My answer to that would be, 'No.'"
- Aaron Copland
Nirvana's sound so brimmed over with passion and intensity that it at first appalled its listeners. Their music...


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Recent Comments:
Mike Morhaime on the Activision Blizzard merger {WoW}
Dec 3rd 2007 6:25PM I ran into a bug late last night and had to ticket a GM. Didn't get any help though the ticket was 'escalated'.
When asked if there was anything else he/she could help with, I asked what they thought of the merger.
The GM is looking forward to "World of Guitarcraft".
PvP reward inflation leaves newcomers in the dust {WoW}
Nov 29th 2007 4:21PM Nah, just have a gladiator/gladiator team arena. No rewards other than honor points but you can use your armor and weapons.
PvP reward inflation leaves newcomers in the dust {WoW}
Nov 29th 2007 4:19PM I'm not advocating removing rewards from BGs or Arena or PvP in general. Sure, keep giving phat lootz to the top 5% but remove the gear requirement so it's about smart talent choices and skills.
As for the others mockingly wanting to run BT after dinging 70, I've had enough trouble with just SL and this 'just honored rep for heroics' hoopla. Point matching is a start but even you can just start another team over and over, what's the point other than sink money in because A) you suck *cough*, B) you're pwned by purps, or C) all of the above?
PvP reward inflation leaves newcomers in the dust {WoW}
Nov 29th 2007 3:35PM This whole 'The better you and your gear is, the better you kill, and get better gear' thing ruins arena.
"Arena" makes it sound like some sort of fair competition, matched levels and what not. It's more like a pyramid scheme where anyone up top makes off with everything worthwhile. This wouldn't be a problem except that it simply makes them even more powerful in the arena.
Arena should have been with premade gear sets only. Talent however you want and pick pieces from sets tailored to one of your talent trees. Everything else will be a matter of team makeup and skills, not epics loaded with epic gems and 500G enchants.
srly phail bliz :(
Around Azeroth: Meet Murmur {WoW}
Nov 29th 2007 12:57PM Ah, Murmur. I'd much rather fight it than Mr Mass Mind Control or Jerkbutt 'Hey, watch me summon a billion elementals that assplode, killing you and healing me!' McOrc'lock.
That said, GET IN THE HUT! GET- ok, well, I'll just go over --> there and you can bandage yourself.
Good times....
The Light and How to Swing It: Command vs. Blood {WoW}
Nov 28th 2007 7:47PM I didn't mean SoV for PvP. I was just talking about how alliance gets that and horde get SoB.
Maybe they're just trying to give people a headstart on how to Deathknight....
Start stacking that parry rating!
The Light and How to Swing It: Command vs. Blood {WoW}
Nov 28th 2007 4:40PM This is more @ Scott but can't reply directly so...
I dunno.... I like the idea that they're branching the talent trees as far as necessary even if it does screw some out of hard earned gear.
This way, ret pallies aren't chasing after strength, intellect, spell damage/hit/crit, and attack power/hit/crit. Yeah, Belfs get a lead here but you know, some variety is nice. I haven't been able to play with SoV but from the sound of it, I think it'd be a nice addition to the tanking seal/judgement cycle...
...stack DOTs...
SoR/SoW as needed...
IIRC, the SoV DOTs don't go away when judged and it keeps the initial Judgement of Crusader +holy damage so long as the DOTs don't go away.
The Light and How to Swing It: Command vs. Blood {WoW}
Nov 28th 2007 3:12PM Oh, said mana costs could even be halved if three talent points are invested into Sanctified Judgement. Very PvE friendly.
The Light and How to Swing It: Command vs. Blood {WoW}
Nov 28th 2007 3:09PM Ok, so this is all about damage so far but what about mana cost (your's and your healer's)?
Healer mana cost is easier to quantify.
6,825 + 4,495 = 11,320?
Ok, so 2166~ over a minute is nothing to fret about. A renew (450MP) would overheal after four ticks and, when I was shadow, Mind Flay, SWP, and VT would heal around 80-100 per tick.
Judging and resealing is another matter. With talents, you can judge 14 times over 2 minutes. With Benediction (and to go with the damage per minute), that's 1343MP for SoB and 1785MP for SoC....
Ok, so yeah, Blood seems like the winner. Cheaper mana-wise and easy enough to heal through. I wouldn't expect Belfs to be using it all the time in all situations; sometimes you need every cooldown for the tank or there's AOE damage.
That all said, 10k-11k damage over a minute doesn't seem like all that much.
Any ret pallies want to chime in on this?
To WoW, perchance to dream {WoW}
Nov 26th 2007 4:41PM Since this is sure to bring out the "This one time, I dreamed..." replies, I'll add my recent one.
I healed BM twice and I think there was some other instances that went on all in one night. First BM was with a pally tank but the second was with a warrior so it was more hectic. ...and that's what I dreamed (or could say had a nightmare of) all night in a half asleep sort of way. Can't wake up or we'll wipe!


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Fri, Mar 15, 13 at 15:20
We are in the process of buying a newer home. The kitchen is in a U shape with an island. The counters are all granite. It is an eat in kitchen so there is a large area for a table and then behind the table is a blank wall. We are thinking of putting cabinets there for additional storage. Just wondering what your thoughts are on putting a butcher block counter there? We are trying to spend a minimal amount so I just don't think another piece of granite is in our budget. Any other countertop suggestions? |
Follow-Up Postings:
- Posted by localeater (My Page) on Fri, Mar 15, 13 at 15:37
I think there are a lot of things you can do. Butcherblock is one of them. What will be perfect, depends on the style of the space, the style of the home, and your needs. You think you may need additional storage; that need can be addressed with a hutch, sideboard, or buffet as well as with cabinetry. I would move in and spend some time in the new house, time will tell you what will work for you. |
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Sam Allardyce thought his West Ham United side could have caused Chelsea a headache had they brought their shooting boots along to Stamford Bridge on Sunday.
The Hammers boss was impressed by the quality of delivery supplied from Matt Jarvis on the left flank throughout the derby duel, but frustrated that more was not made of his crosses.
In the end a goal either side of the break from Frank Lampard and Eden Hazard was enough to give an impressive Chelsea side a comfortable 2-0 victory, but Allardyce was left wondering what might have happened had the visitors stuck one of their openings away.
"I'm disappointed we haven't scored," he said. "Chelsea is a very difficult place to come to and you have to maximise the opportunities you get.
"Matt Jarvis' service into the box today was really, really good and unfortunately we didn't have any goals on the end of that.
"We had one struck off, which I thought was a really soft foul. I'm not so sure that if it had been outside the box he'd have given it. Then Andy's had a header a couple of minutes later that went wide. There were two more in the second half, all from Matt Jarvis.
"He was our biggest threat today, every time we got him the ball today he skinned the full back. He put the ball where he should do, in the right areas with the right quality, but again the old Achilles heel for us of not scoring away from home has risen again.
"These kind of chances at Chelsea are difficult to come by, so when you do get them you have to punish the opposition and score them. At the moment we're not doing that."
Lampard's 19th minute opener - his 200th goal for the Blues - was all the home side had to show from their efforts before the break as Demba Ba's wasteful finishing allowed the Hammers to approach the second half with hope they could turn the situation around.
And although Hazard's strike, five minutes after the restart, quashed that to a large extent, Allardyce could not attach any blame to his defenders for not stopping the Belgian from notching the second.
He added: "I will criticise my players if they deserve to be criticised, but you can't stop Eden Hazard, he's that good. When he decides he wants to skip past players, with the ability he's got, he's good at kidding the defenders with what they think he's going to do. He doesn't do that, he throws them off balance and then skips past them again.
"He can finish, he's two-footed, he's quick, he plays really well in tight situations, so I thought it was a really hard job for us to handle him. They were a better side than us, but based on how much they've spent it's no wonder really.
"We tried to hang on, we had some opportunities, but if we don't keep a clean sheet away from home, we don't win - that's our Achilles heel."


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Talk:H POKé (Glitch)
9,484pages on
this wiki
this wiki
Back to page
I don't know about this one. If it is fanon, I will definitely delete it. If not, it would be marked as a stub because occassionally deletions scare away new users. The MarioGalaxy2433g5 {talk/contribs/Logs} 17:00, 14 February 2009 (UTC)
what is a MISSINGO?----Ventress112 talkalso visit my edits 18:22, 14 February 2009 (UTC)
- H POKé is a real Glitch Pokémon. Whether it deserves to be mentioned or not, I don't know. And also, "what is Missingno?", with all of your "obsessiveness" for this wiki, I'd figure you would know the answer to that question. Oh well, anyway, if I can find a picture of H POKé, I'll spruce up the page. -- Captain Vas 19:12, 16 February 2009 (UTC)


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8:30am – 9:00am Registration
9:00am – 1:00pm Program
In the aftermath of the Arab Spring, the escalations of fundamentalism have resulted in a backlash against women's rights in the region, undermining their personal freedoms and their equal participation in all aspects of society, and exacerbating violence and discrimination against women. It is critical that backtracking on women's rights not be tolerated under the guise of culture, religion and security. Please join leading women activists from Egypt, Jordan, Libya, Morocco, Somalia, Syria, Tunisia and Yemen in a dialogue on what women hoped for, what they got, and where they will go from here.