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Archive for July, 2012
With Personal Loans, Borrowers Hear 'Gift' And Lenders Get Resentful
Posted by Steven Maimes in Daily Service, Headlines on July 31, 2012
Personal loans between friends are often seen as gifts by borrowers but loans by lenders, according to new research.
Friends will never pay you back. It's not because they are forgetful or cheap, it's because they told themselves the $200 you kindly lent them in June was actually a gift.
New research shows why personal loans to friends don't work: Financial scroungers tend to revise history and see the money as a gift, especially the more delinquent they are to pay it back, according to a new study published in the Journal of Economic Psychology.
"We thought that when loans were not paid off that borrowers would feel terrible and avoid lenders," said paper co-author George Loewenstein, an economics and psychology professor at Carnegie Mellon University, in a call with The Huffington Post. "We found that lenders believed that, too."
Both are wrong.
"Delinquent borrowers were actually blithely unaware of how lenders felt," Loewenstein said. And more than unaware, they actually did some mental gymnastics to re-interpret the terms of the loan.
This kind of recasting of past events has a purpose for those who shake down their friends for extra cash: They use it to let themselves off the hook or to save face when they can't come up with money to pay back the loan, especially when it's long past the supposed due date, Loewenstein said.
This is just one of the differences in perception between borrowers and lenders that the study found. Those on the receiving end of a loan were also less likely to report the payment date had passed and less likely to report the loan as unpaid. Meanwhile, those doling out the money reported losing trust and closeness with delinquent friends.
While much of these findings can be filed under common sense, this is the first academic research to study the differences between the two groups with personal loans. Loewenstein said that one reason personal loans are not well studied is they tend to happen spontaneously.
The study was based on a survey of 971 people who had borrowed or loaned money to or from friends. The median loan size was $250. Personal loans, unlike a loan from a bank, alternative lenders or even an online peer-to-peer network typically don't have a formal written contract, interest is rarely paid and there is no collateral.
One of the hallmarks of the casual personal loan is it lacks any kind of contract, other than a verbal one. And that is where much of the misunderstanding starts. On the upside, a successful loan between friends strengthens a friendship by demonstrating trust and investment for both people. On the downside, an unpaid loan erodes that foundation of a healthy relationship; in worst case scenarios, it spells the end of the friendship.
"It seems like the real problems with personal loans is that neither party feels comfortable asking for a written contract," Loewenstein said. "It is almost like a prenup, where asking for it undermines trust in longevity of relationship."
According to the study — which found that the highest number of repayments reported were between one and six months since the loan was made — the solution is easy: Get it in writing. A simple IOU could be all the difference to preserving a friendship.
"It's uncomfortable and feels like it could be bad," Loewenstein advised. "But it's much more likely to be good for a relationship because both parties will literally be on same page."
- By Catherine New
Source: Huffingtonpost
Posted by Steven Maimes, The Trust Advisor
Wealth Management Industry Not Sufficiently in Tune with the Needs of Young Investors, According to Aite Group Research
Posted by Steven Maimes in Daily Service, Headlines on July 31, 2012
More than 1,000 US investors surveyed reveal convenience and online tools are key reasons for Gen-Xers and Gen-Yers to shift assets between financial institutions
Scivantage, an independent financial technology provider with proven expertise in online brokerage, tax and portfolio reporting and wealth management applications, and Aite Group, a leading independent research and advisory firm focused on business, technology and regulatory issues and their impact on the financial services industry, announced the results of a report titled, "The Race for Next-Generation Assets: Can Banks Maintain Their Lead?"
The study examines the investing preferences of younger generations and the impact they may have on long-term growth opportunities for wealth management firms. In particular, the research focuses on the importance of banks to the younger investor population and discusses how firms can maintain their advantage in the race to capture next-generation assets.
With more than $40 trillion expected to transition to younger generations in the U.S. over the next several decades, wealth management firms will need to focus on this new wave of investors and reevaluate their current service, support and technology models. Financial institutions that can understand and address the unique investment needs of this emerging segment will be best positioned to capture their future wealth, according to the research.
"Gen-Xers and Gen-Yers have been far less loyal to their investment providers over the last few years compared to Boomer and Silent Generation investors, indicating that young consumers have yet to find their ideal investment providers," said Sophie Schmitt, Aite Group Senior Analyst, Wealth Management. "Banks seeking to maximize their ability to retain and grow share of wallet with young investors should work on growing their online investing capabilities and providing more convenient services."
Additional key insights include:
– 40% of young investors still consider a bank to be their primary investment provider. By contrast, only 20% of young investors consider an online brokerage firm to be their primary investment provider despite their strong adoption of online trading
– 44% of Gen-X and Gen-Y investors surveyed shifted assets to another investment firm or switched investment providers due to availability of online tools
– 42% of Gen-X and Gen-Y respondents said their bank would need to offer more convenient services and/or more robust online brokerage/trading capabilities in order for them to move more assets to their bank
– About 30% of young investors trade more than 25 times per year and slightly less than 70% trade online more than five times per year
– The No. 1 reason clients shift investments to another firm is fees, such as those tied to accounts, financial advisory and asset management
"Online investing capabilities are now second nature to Gen-X and Gen-Y investors and will be a requirement for banks that want to attract future high-net-worth or current affluent members of this segment," said Chris Psaltos, Vice President, Product Management, Scivantage. "As younger, tech-savvy investors look for greater control of the investment decision-making process, wealth management firms, particularly banks, must ensure that their online investment platforms are keeping pace with the latest consumer technology innovations."
This report is based on Aite Group's December 2011 survey of more than 1,000 U.S. investors who hold a minimum of US$25,000 in investable assets and have access to online trading capabilities. The sample is representative of approximately half of the U.S. population.
About Scivantage
Scivantage is an independent financial technology provider with proven expertise in online brokerage, tax and portfolio reporting, and wealth management applications that automate and integrate key business practices for broker-dealers, mutual funds, custodians and prime brokers. For more information, please visit www.scivantage.com.
About Aite Group
Aite Group is an independent research and advisory firm focused on business, technology, and regulatory issues and their impact on the financial services industry. For more information, please visit http://www.aitegroup.com.
Source: Scivantage
Posted by Steven Maimes, The Trust Advisor
Permalink: http://thetrustadvisor.com/news/gen-x-y-investors
Benefits of Social Media to the Wealth Management Industry
Posted by Steven Maimes in Daily Service, Headlines on July 30, 2012
Cast your mind back 15 years to a time when many of us thought that e-mail was a passing fad and would quickly go the way of the fax machine as a means of communication.
Here we are in 2012 and e-mail is now an integral part of our lives and in many cases has replaced the telephone and face-to-face contact. It is now considered second-nature and I firmly believe that in another 3 years social media will also be viewed by the majority as another standard way of communicating. It is therefore imperative that the private banking and wealth management industry embrace social media as a matter of urgency – those firms that don't risk being left behind. Imagine trying to run any sort of business nowadays without having access to e-mail – that is how social media will be viewed by 2015.
There is a huge amount of research available extolling the benefits of social media, but here are some interesting statistics that are relevant to our industry:
- There are 1.1m Google searches every month for 'financial advisor'
- 47% of UHNW individuals have a Facebook profile
- 19% of millionaires are on Linkedin
- 71% of financial professionals have a Facebook profile, 65% are on Linkedin, 19% are on Twitter
- The average age of a Linkedin user is 41. Ninety-five percent are university educated, with an average household income of £65,000
- Of investors with at least £250k to invest, 75% of them have used Linkedin for investment research
These figures are only set to increase as the industry begins to understand how effective social media can be, not only in terms of client satisfaction but also upon the impact on your bottom line – an IFA in the New York area recently attributed a 20% increase in assets under management to his social media activity.
There are an almost unlimited number of benefits to incorporating social media into your overall marketing/business development strategy. Social media can help you to:
- Raise brand awareness, as well as preserve the key values associated with your individual firm, by engaging with clients, prospects and fellow professionals online. TIP – use, for example, Twitter, blogs, and YouTube to keep client informed of firm, market and product news
-Expand your professional networks by connecting with centres of influence and key decision-makers. TIP – utilize your Linkedin profile and its advanced tools to raise awareness of your client proposition
- Acquire new clients and deepen relationships with existing clients. TIP – use Facebook and Twitter to connect with luxury brands who cater to the demographic of your clients and prospects
- Monitor what the wider community is saying about your brand, products and services. TIP – it is imperative that you use dedicated software designed to monitor what your clients and employees are saying about your brand online; you must also use this software to retain all social media activity for 7 years, in accordance with FSA guidelines on record-keeping.
- Ultimately, to grow your business, gain client trust, and add significant value for key stakeholders
Almost every other industry is ahead of wealth management in incorporating social media into their business. The two most common perceived barriers to entry, compliance and brand damage, should not be a hindrance as both can be controlled and managed with a comprehensive and well-thought out business strategy.
- By Amy Loddington
Source: myintroducer.com
Posted by Steven Maimes, The Trust Advisor
Gucci Survives Brand Challenges from Heirs and Guess Jeans in Tense Courtroom Dramas
Posted by Scott Martin in News on July 29, 2012
High-powered lawyers from all corners put the 91-year-old luxury label in the meat grinder with Judge Judy herself getting mixed up in one dispute.
The fashion industry is notorious for blurring the line between vast fortunes and dirty family laundry, but the House of Gucci continues to break new legal ground when it comes to enforcing the intangibles in perpetuity.
Far from working to protect the Gucci family's rights and legacy, the company seems hell bent on ensuring that none of the heirs — much less outsiders — can piggyback on the world-famous brand.
From the corporate point of view, defending the trademarks that drive $5 billion a year in handbag and shoe sales comes first.
But when that policy extends to preventing the Gucci family themselves from trading on their legacy, it's an open question whether this is what the family patriarch wanted when he died six decades ago.
Family first, except for business
Gucci is legendary for jealously fighting anyone who dares to copy its name, logos and even the red and green stripes that make its accessories stand out.
Most recently it went after mass market retailer Guess for selling its own striped leather bags bearing double "G" marks, winning a $4.6 million cease and desist order from Judge Shira Scheindlin — often confused with soundalike colleague "Judge Judy" Scheindlin.
The coincidence of famous names was probably not lost on the House of Gucci, which has come down on rogue members of the Gucci family itself for daring to set up rival fashion studios.
The latest, Guccio and Alessandro Gucci, were caught marketing high-end Italian leather handbags under the "To Be G" brand.
The "G" obviously stands for Gucci and since the start-up launched in 2008 plenty of fashion reporters have highlighted the famous family connection to their great-grandfather who started the company back in 1933.
But the lawyers weren't amused. An Italian judge ruled against the brothers on grounds that they traded deliberately on the Gucci label, which "caused confusion with Gucci's products and business activities and took unfair advantage of the qualities and name of Gucci's products."
When conventional multi-generational planning goes bad
The problem is that the Gucci family and the Gucci company legally separated in 1993, when the last family shares sold for $170 million.
Since then, a succession of corporate overlords — initially from Bahrain and more recently from France — have run the Gucci brand exclusively as a business.
As a result, Guccio can no longer use his own name — which he shares with the company's founder — to market his products.
For all practical purposes, he would have been better off if he hadn't been named to honor the patriarch.
His own father, Giorgio Gucci, has been churning out "Giorgio G" handbags since 2000 without running into trouble with the increasingly litigious company, so the "G" in itself is not the pain point.
Meanwhile, relatives around the world have been sued into the ground for trying to start coffee chains, bedding and even hotels under their full family name.
Interlopers like Turkish soundalike "Guecca" and archenemy Guess have no excuse, but Guccio and Alessandro have insisted that they can't help it.
"To Be G, that is, to be Gucci, is in our DNA," they maintain.
Lock down the rights
The Gucci-versus-Gucci disputes could have been prevented if the previous generation had thought to preserve some of the intellectual property for the family when they were selling off the company.
Of course, the estate planning conversation around media and marketing rights is still sophisticated stuff today and was practically science fiction when the first Guccio Gucci died back in 1953.
That shouldn't stop you from raising the topic with your clients.
Silicon Valley estate planner Bernie Vogel works hard to lock down the publicity and image rights as well as the patents and other tangible intellectual property.
"Your personality and your media image are part of your legacy that simply passes to the next generation unless you're careful," he told me awhile back.
"Unless these intangible rights are addressed in the estate planning, sooner or later someone will want to use the deceased person's personal brand to make money."
Arguably the House of Gucci went too far with those rights when its founder's grandson sold their intangible birthright along with the designs, factories and retail network.
And by that point, the family was no stranger to squabbling over the empire.
The sale only happened in the first place because the heirs couldn't find a way to work together and had started suing each other — and even descending into assault and murder — to freeze rival relatives out of the name and the fortune it represented.
In fashion we trust?
Modern style tycoons can delay or avoid the worst infighting by assigning their brand, company and personal image to a trust that can be administered by experts for the benefit of the entire family.
Ralph Lauren has evidently learned from the Gucci debacle.
About 68% of his controlling stake in his eponymous company is already vested in a system of interlocking trusts. When he's gone, the trustees will be legally bound to his stated wishes for who can and can't be "Polo."
Martha Stewart, on the other hand, could stand to follow his lead.
While her daughter Alexis is a partner in the holding company Martha set up to own her 91% in the company, the family has only dabbled in charitable trusts.
And Martha might look great, but she's not getting any younger. If she wants her name to live on into the next generation and beyond, she'd better have a talk with her estate planners.
Scott Martin, senior editor, The Trust Advisor
Permalink: http://thetrustadvisor.com/news/gucci
How Much Do Advisors Cost?
Posted by Steven Maimes in Daily Service, Headlines on July 27, 2012
So you want a financial advisor, but haven't a clue what they cost. What to do? And what do you get for what you shell out?
First, know that there are two basic types of advisors. Broker-dealers are sales people. They get paid commissions for what they sell you – funds, stocks, bonds, etc. The second kind, registered investment advisors, or RIAs, don't get compensated for selling stuff. Investors pay RIAs a flat fee, or by the hour or as a share of assets.
RIAs tend to think they are on the side of the angels because they can more easily avoid conflicts of interest. In fact, RIAs operate under a stricter rules on dealing with clients, called the fiduciary standard, which means they must manage your money with your best interests at heart, not their own. In fairness, lots of broker-dealers are well-trained and well-intentioned (and outnumber RIAs, four to one). Yet for now, let's focus on RIAs, and what you pay then.
Just as there are two categories of advisor, clients fall into two groups. It all depends on what kind of service you, the client, need. And that determines how advisors charge. The groups are:
Self-Directed. These are do-it-yourself investors who want an advisor to look over their shoulders and make suggestions. The investors run their own money, buying and selling holdings. They may use an asset allocation model, provided by the advisor. They want to make sure they aren't risking blowing up their assets.
Deputizers. This variety of investors wants an advisor to administer their portfolios. They usually are not as well-versed in financial matters as the Self-Directed are, and feel more comfortable with an expert at the helm. They tend to pay the most for advisory services.
The Self-Directed often prefer to pay a flat fee, commonly around $1,000, to have an advisor examine their holdings and suggest possible changes. The advisor may run simulations, like Monte Carlo, to see what the odds are clients will have sufficient money to meet life needs, such as sending the kids to college and funding retirement. The advisor may propose a rejiggering of asset allocation, and will factor in such things as clients' ages, incomes, family sizes and so forth.
Another route for the Self-Directed is a deeper work-up, forming a financial plan and paying an hourly rate. Since more labor is involved and the results are more comprehensive – an estate plan may be part of it, for instance – the payout to the advisor tends to be higher. Usual rates are $250 to $500 per hour, with the total outlay ranging from $3,000 to $5,000.
Deputizers pay a percentage of their assets to an advisor, trusting him or her to make the right choices. This is usually the most expensive alternative. It can run from 0.75% to 1.5% yearly. For a typical 1% rate on a $1 million portfolio, that means $10,000. Generally, the more assets you have, the lower the percentage you pay.
Obviously, the first question you should ask is how the advisor gets paid. But be aware that cheapest is not always best. Some advisors do not like to take on clients who comparison-shop among a batch of advisors, choosing the least expensive one. They believe the bargain-hunter clients are the first to leave if the advisor has a bad quarter. Every once in a while, even the brightest investing genius hits a pothole.
But on top of payment considerations, you the client want to ensure you are getting your money's worth. Does the prospective advisor have professional education credentials, such as the Certified Financial Planner designation? Does he or she ask you the right questions, particularly what your goals are – protecting your principal or aggressively seeking to build your net worth? Does the advisor follow up periodically, seeing how things may have changed for you?
Make sure you feel personally comfortable with your advisor. One of the most common complaints from clients who ditched an advisor is that the person treated them as if the advisor were smarter than the client – and the client should blindly heed the advice. A good client-advisor relationship depends on a spirit of give and take, and a vital candor. If your advisor is an arrogant individual, that won't happen. Your money is important. Both what you accumulate for the long-term, and what pay right now to reach that goal.
- By Larry Light
Source: Forbes
Posted by Steven Maimes, The Trust Advisor
ByAllAccounts: Most Advisors Base Client Selection on Investable Assets
Posted by Steven Maimes in Daily Service, Headlines on July 25, 2012
More than 8 in 10 financial advisors identify prospective clients based on their investable assets, according to a new report.
ByAllAccounts, Boston, Mass., published this finding in a national online survey of more than 390 financial advisors. The survey examines key traits and characteristics of successful advisors, including their views on defining success, personal strengths and values, top priorities, plus areas of focus and insights into how they spend their time.
The report reveals that 85% of advisors use investable assets to select prospective clients. Far fewer advisors base their selection according to the prospect's life stage or geographic location (40%), occupation (20%) or age (18%).
According to the survey, the top 30% of firms (those with over $100 million in assets under management) grew their holdings by more than 16% during the past two years.
Nearly all (96.9%) advisors surveyed judge client satisfaction to be the most important measure of business success. Far fewer advisors view assets under management (41.5%), revenue (35.4%) or investment performance (33.8%) as the most important gauge.
When asked to identify the three top priorities for their firm, close to 7 in 10 advisors (65.6%) flag "client retention." The next two highest priorities are "client service" (60.9%) and "grow assets under management" (59.4%).
In response to the question, "Which of the following characteristics would you want your client and/or peers to use to describe your firm?" more than 6 in 10 advisors (64.1%) select "trustworthy." The next two most popular characteristics are "honest" and "best-in-class."
Four in 10 (40.6%) of the survey respondents say most of their clients are high net worth individuals with investable assets ranging from $1 million to $4.9 million. Mass affluent clients with $500,000-$999,999 in assets and middle income class with $0-$500,000 in assets make up a majority of, respectively, 28.1% and 23.4% of advisors.
Source: LifeHealthPro
Posted by Steven Maimes, The Trust Advisor
South Dakota Eyes Boost In Trust Company Fees
Posted by Steven Maimes in Daily Service, Headlines on July 25, 2012
Next month the state Banking Commission will consider raising annual registration fees on trust companies.
The commission and state banking director Bret Afdahl are looking to hire additional examiners, in response to the rapid growth of trust companies headquartered in South Dakota.
The commission also will consider changing the requirements for a trust company to receive charter status in South Dakota.
Currently trust companies need to wholly or partly perform in South Dakota only one of six activities established in state law to qualify.
The proposed rules would require at least of the listed three activities be performed wholly or partly in South Dakota, and the list of possible qualifying activities would be changed.
The Legislature and state banking officials have worked for several decades to make South Dakota into a preferred site for new trust companies to start and for existing trusts to relocate their charters from other states.
There were 13 trusts chartered in South Dakota in 2001 and 39 by 2009. There were 50 in 2010 and 56 last year.
Currently there are 62 with $110 billion under management.
"All of these companies must be examined no less frequently than every three years," Banking Division director Bret Afdahl said.
A total of 70 are forecast for 2012, according to an estimate distributed by the Banking Division to the commission in May.
The number is projected to grow by 10 annually and reach 110 in 2016. The division described the forecast as conservative.
The plan calls for increasing the division's examiners assigned to trusts from 2.5 in 2011 to 7.5 for 2016.
The division paid about $219,000 in wages to its examiners in 2011 and proposed topping $616,000 for 2016. Education expenses for examiners also would be boosted.
The plan calls for charging seven cents, rather than the present six cents, per $10,000 of assets, and setting a minimum annual fee of $3,750 for private trust companies, which would be an increase of $750, while keeping the cap at $20,000.
The proposed changes also would create a new set of fees for public trust companies ranging from a minimum of $4,500 to a maximum of $30,000.
Trust companies would remain responsible for the division's costs for conducting examinations.
Afdahl said the proposed increases would generate an estimated $122,321 based on the current number of companies and amounts of assets.
A public hearing is set for Aug. 8 in Sioux Falls. The session begins at 11 a.m. in the Ramada Inn and Suites on West Russell Street.
Source: Capitol Journal
Posted by Steven Maimes, The Trust Advisor
Permalink: http://thetrustadvisor.com/headlines/trust-companies-south-dakota
SEI Poll: 58 Percent of Wealth Management Firms Polled Cite Regulatory Changes as Biggest Challenge
Posted by Steven Maimes in Daily Service, Headlines on July 25, 2012
Majority Are Confident Their Firms Will Meet the New Regulations
In today's environment of complex and frequently-modified regulatory updates, including Dodd Frank, the Volcker Rule, and the Uniform Fiduciary Standard initiatives, among others, the majority of wealth management organizations view meeting these new regulations as a significant challenge, according to a Quick Poll released today by SEI. The poll, completed by 100 participants at SEI's annual Connections Conference, revealed that regulatory changes pose the single largest challenge for 58 percent of survey respondents. However, only 44 percent ranked managing these regulatory changes as their firms' top priority, demonstrating that other issues are splintering their focus.
The poll also revealed that clarity is still needed surrounding the details of new regulatory changes. Only 22 percent feel comfortable they have received enough information to fully understand the new regulations, with the remaining three-fourths either "learning about them now" (61 percent) or reporting they're still "in the dark" (19 percent). However, nearly all respondents (94 percent) feel at least "somewhat confident" their firm will meet the new regulations by the time they take effect.
"We've entered a new era in the wealth management industry, where meeting regulatory requirements is a constant challenge for wealth management firms," said Sandy Ewing, Senior Vice President of SEI's Global Wealth Services. "The challenge for firms is anticipating the regulations' parameters before they're finalized and bracing for unexpected changes, without losing momentum in other areas of their businesses."
Regarding technology, nearly a quarter (24 percent) reported that integrating new technology is their firms' top priority. Technology does not, however, come without worries, as nearly all of those polled (97 percent) have concerns with security threats resulting from enhancements to a firm's technology.
"The desire to improve technology is a trend we've been witnessing for some time now," continued Ms. Ewing. "Wealth management providers are searching for ways to automate processes and more easily aggregate data from a variety of sources to enhance their client reports. In the end, technology enhancements will allow firms to achieve greater consistency and eliminate inefficiencies, giving them more time to focus on their clients."
For more than 30 years, SEI's annual conference, currently known as Connections, provides an interactive forum for wealth service professionals to discuss industry challenges, innovative research, emerging trends, and technology developments. This year's conference, hosted at SEI's Oaks campus from June 11-13, brought together banking, wealth management, operations, and technology personnel who support wealth management organizations across the United States.
About SEI's Global Wealth Services SEI's Global Wealth Services is an outsourcing solution for wealth managers encompassing wealth processing services and wealth management programs, coupled with business process expertise. The integrated offering aims to provide wealth management organizations the infrastructure, operations and administrative support necessary to capitalize on their strategic objectives in a constantly shifting market. For more information visit: http://www.seic.com/enUS/private-banks.htm .
About SEI
SEI is a leading global provider of investment processing, fund processing, and investment management business outsourcing solutions that help corporations, financial institutions, financial advisors, and ultra-high-net-worth families create and manage wealth. As of June 30, 2012, through its subsidiaries and partnerships in which the company has a significant interest, SEI manages or administers $424 billion in mutual fund and pooled or separately managed assets, including $182 billion in assets under management and $242 billion in client assets under administration. For more information, visit www.seic.com.
Source: SEI
Posted by Steven Maimes, The Trust Advisor
Permalink: http://thetrustadvisor.com/headlines/sei-1
Wealth Management Outsourcing
Posted by Scott Martin in Headlines on July 24, 2012
Many wealth management firms are realizing the potential benefits outsourcing can offer.
In the aftermath of the financial crisis, wealth management firms are facing a number of challenges, including having to lower costs, improve efficiency, reduce turnaround time, scale up or down operations, mitigate risk, and adhere to stringent regulations. All of these have brought technology centre stage in managing financial institutions. Firms are finding it difficult to manage complex and diversified technology needs entirely in-house; many of them are increasingly looking at outsourcing as a viable alternative.
In a new report, Wealth Management Outsourcing: A Global Market Perspective, Celent discusses the adoption of outsourcing in the wealth management industry. Outsourcing has been in use in the financial services industry for quite some time. However, the wealth management services industry has been a laggard. Because of the privacy and confidentiality issues involved in this business, wealth managers have been reluctant to engage with third party providers.
The global financial crisis has changed that perspective and contributed to a major paradigm shift. Many wealth management firms are realizing the potential benefits outsourcing can offer. Most of the tier I and some tier II retail banks and insurance companies in the US, including their wealth management divisions, are outsourcing parts of their technology and operations infrastructure.
Similarly tier I brokerages have also been outsourcing their technology needs and are fairly advanced. Europe lags the US in terms of the maturity of outsourcing practices. Due to stringent privacy requirements, especially in Switzerland, European firms still cannot outsource all of the same functionalities as US firms. Outsourcing has also not been as popular yet in Asia.
"The further a wealth management function is from client interfacing, the more likely it is to be outsourced," says Arin Ray, Analyst at Celent and coauthor of the report, "Outsourcing in the areas of global custody, securities lending, client servicing, accounting, and settlement of trades in complex financial instruments, are relatively widespread, with managers taking a more aggressive approach to mainstream outsourcing."
"IT budgets are expected to remain flat or decline in most markets, which will restrict firms' ability to spend on technology," says Alexander Camargo, Analyst at Celent and coauthor of the report. "However, this also means firms will have to do more with less. Outsourcing provides an option for increasing efficiency without needing significant investments in infrastructure."
This report examines the trends, drivers, and state of outsourcing in the industry as well as the available opportunities across various market segments.
Celent is a research and advisory firm dedicated to helping financial institutions formulate comprehensive business and technology strategies. Celent publishes reports identifying trends and best practices in financial services technology and conducts consulting engagements for financial institutions looking to use technology to enhance existing business processes or launch new business strategies.
Source: Celent
Posted by Steven Maimes, The Trust Advisor
Permalink: http://thetrustadvisor.com/news/outsourcing
Top Advisors Take a "Mercedes" Approach to Client Satisfaction
Posted by Cynthia Stephens in WEALTH TECH NEWS on July 23, 2012
What are the key traits of today's successful financial advisors? What are their personal strengths? Top priorities? And what are a few of their personal preferences that round out the picture?
These are a few of the the questions ByAllAccounts asked when it recently took a national online survey of nearly 400 advisors. We looked at responses from firms with more than $100 million in AUM who have grown 16%+ during the past two years.
The results covered everything from management priorities to music preferences to motoring along in a Mercedes— and provided us with a revealing profile:
Clients are No. 1, AUM growth is No. 2
It wasn't even close. Just check out Chart A (left) to see how 96.9% of advisors measure success by client satisfaction, more than twice as many as the next highest metric, assets under management, which was used by 41.5%.
Then look at Chart B. See how client retention (65.6%) and client service (60.9%) are both higher priorities than AUM (59.4%).
Additionally, 96.8% of the fastest-growing advisors cited their understanding of client needs as their top personal strength.
Clearly, client service is the driving force that moves today's RIA firm forward. This is not only a philosophical commitment, but it also determines how time and responsibilities on the job are allocated:
Time is spent with clients, not on the back office
As you'll see, Chart C shows that 80.6% of advisors spent the majority of their time on client management, communication and service. This surpasses even investment management and research.
The focus on client service is why so many firms have started to use data aggregation solutions that enable them to analyze and report on all of a client's assets, including financial accounts such as 401(k)s and 529s.
With data aggregation, they're able to get a comprehensive view of clients' portfolios and provide holistic wealth management advice that differentiates the advisor from the competition.
The result: Increased client satisfaction, retention and revenue for the firm. In other words—better client service and a better bottom line.
Exceptional client service requires high standards
When we asked advisors to compare their firm to an automobile, a full 40.8% compared their firms metaphorically to a Mercedes SUV. Think of the exclusivity and quality that are conveyed by the Mercedes brand!
(Also, for an interesting take on the auto analogy as it relates to high levels of client service, see the recent blog by James Carney, CEO of ByAllAccounts: Change is Coming, RIAs. Don't Get Caught in the Middle)
Advisors ranked the Beatles as their favorite musicians by greater than-2-to-1 over the Red Hot Chili Peppers, Frank Sinatra and Bob Marley (many others ranked far lower, like Elvis at 1.6%).
They are also 40% more likely to have an iPad by their bedside than a Bible.
How do these personal preferences relate to an advisor's success? They may be more than tangential, because they indicate that advisors place great value on best-of-breed quality, talent, innovation and convenience — four characteristics that are essential to the stated goal of superior client service.
CLICK HERE For the full executive summary of the results, and for more information on data aggregation, please contact ByAllAccounts today.


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Petz Rescue: Endangered Paradise
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© 2015 Local Corporation - US Patent 7,231,405
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University Park, TX, USA < change city >
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Browsing Faculty of Applied Sciences by Subject "Biodiesel fuels"
Now showing items 1-3 of 3
Bioconversion of biodiesel-derived crude glycerol waste to 1,3 propanediol and gellan using adapted bacterial isolates
(2013-09-19)The continual growth of the global biodiesel industry has resulted in a proportional increase in crude glycerol production. The by-production of glycerol waste during the manufacture of biodiesel has, with recent ... -
Characterisation of biodiesel from Litsea glutinosa
(2014-08-08)Global warming is a major concern to the world's population. It is caused by greenhouse gases that result from the burning of fossil fuel. The fossil fuel reserves are rapidly depleting as the needs and wants of man in ... -
Screening for indigenous algae and optimisation of algal lipid yields for biodiesel production
(2011)The depletion of global energy supplies coupled with an ever increasing need for energy and the effects of global warming have warranted the search for alternate renewable sources of fuel such as biodiesel. First generation ...


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Griff Rhys Jones gets under the skin of six of the greatest cities on search for a new documentary series. Exploring a day-in-the-life of New York, London, Paris, Rome, Sydney and Hong Kong - Griff paints a landmark portrait of each metropolis revealing what gives each city its unique identity.
ABC iview lets you catch up on the best of ABC TV. Watch your favourite programs in full screen at a time that suits you. Most shows are available to watch for 14 days and new programs are added every day.
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News for the Hospitality Executive |
14, 2012 - Despite concerns over the global economy,
international tourism demand continues to show resilience. The number
international tourists worldwide grew by 5% between January and June
compared to the same period of 2011 (22 million more). Although a
slowdown in growth can be expected for the rest of the year,
arrivals are forecast to exceed one billion by the end of 2012.
"Amid the current economic uncertainty, tourism is one of the few economic sectors in the world growing strongly, driving economic progress in developing and developed countries alike and, most importantly, creating much needed jobs," said UNWTO Secretary-General, Taleb Rifai, opening the Global Tourism Economy Forum in Macao. "As we lead up to the milestone of one billion, we need to ensure that the tourism sector is supported by adequate national policies and that we work to reduce existing barriers to the expansion of the sector, such as complicated visa procedures, increased direct taxation or limited connectivity," he added. Asia leads growth International arrivals were up in all regions between January and June 2012. Asia and the Pacific (+8%) led growth by region, boosted by the recovery of Japanese inbound and outbound tourism as well as by the continued strong performance of other major source markets throughout the region. Destinations in South Asia and South-East Asia (both +9%) showed some of the best results worldwide. "Although Asia was affected by the economic crisis of 2008-2009 due to its strong linkages with other economies, the region has bounced back quickly and is today a leader in the global economy. This is clearly reflected in its tourism figures," said Mr. Rifai. Europe (+4%), the most visited destination in the world, consolidated its record growth of 2011, despite continuing economic volatility in the Eurozone. Results were above the regional average in Central and Eastern Europe (+7%) where many destinations saw double-digit growth, as well as in Western Europe (+5%). By contrast, demand in Southern and Mediterranean Europe (+1%) slowed down, but on top of a very strong 2011, and partly due to the recovery of destinations in North Africa and the Middle East. The Americas (+5%) grew in line with the world average, with Central America (+7%) and South America (+6%) recording the strongest results. In fact, South America has been one of the sub-regions with the fastest tourism growth of recent years. Destinations in North America grew at 4%, a relatively high rate for a mature sub-region, while growth in the Caribbean (+5%) remained buoyant, consolidating 2011 results. In Africa (+7%), the return of tourist flows to Tunisia is reflected in the results of North Africa (+11%). Likewise, the rebound of Egypt is clearly mirrored in the results of the Middle-East (+0.7%). Destinations in Sub-Saharan Africa (+6%) continued to show strong results, following the good growth rates of this sub-region in previous years. Healthy demand from both emerging and advanced economy source markets In terms of outbound markets, and among the top ten countries by expenditure on travel abroad, growth was significant in China (+30%), the Russian Federation (+15%), USA (+9%), Germany (+6%) and Canada (+6%) . In Japan, an 8% increase in spending on overseas tourism confirms the recovery of this important market. On the other hand, growth was comparatively slow or negative in the UK, Australia, Italy and France. In 2011, international tourist arrivals reached 990 million (revised data). With an expected growth of 3% to 4% in 2012, this figure is forecast to reach one billion for the first time by December 2012. In 2011, receipts from international tourism, including international passenger transport, (exports from tourism) totalled US$ 1.2 trillion or close to 6% of the world's exports of goods and services. For more information on tourism in 2011 see UNWTO Tourism Highlights. The UNWTO World Tourism Barometer is a regular publication of UNWTO aimed at monitoring the short-term evolution of tourism and providing the sector with relevant and timely information. Relevant links: UNWTO World Tourism Barometer UNWTO Tourism Highlights International Tourism by (Sub)Region The World Tourism Organization (UNWTO: www.UNWTO.org), a United Nations specialized agency, is the leading international organization with the decisive and central role in promoting the development of responsible, sustainable and universally accessible tourism. It serves as a global forum for tourism policy issues and a practical source of tourism know-how. Its membership includes 155 countries, 7 territories, 2 permanent observers and over 400 Affiliate Members. Follow us on twitter, vimeo and flickr |
Principal Media Officer Marcelo Risi Tel: (+34) 91 567 81 60 UNWTO Communications Programme Tel: +34 91-567-8100 Fax: +34 91-567-8218 |
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Dr. Travis Stork's Secrets to a Leaner Belly Video
From playing with your kids to the power of music, to the bedroom benefits of losing weight, E.R. physician Dr. Travis Stork reveals more secrets and solutions from his book, The Lean Belly Prescription!
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Club Premier Rooms offer optimum comfort in a very spacious non-suite environment, with ample space to work or relax.
With the comfort of Premier Rooms, plus exclusive Club privileges, these rooms are an excellent choice for the traveller who requires added personal service.
All rooms offer a full-size window with sweeping views of the Beijing cityscape.
A marble bathroom with:
Each room offers 52 sqm / 560 sqf of freedom.


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General Info
Shy lil girl sissy,virgin 37 seeks mommy in PA to keep me as her sissy 24/7
Sexy Women & Horse Hung Men leave me a sexy message or comment and tell me how u would want your shy lil girl 2 please u sexy role play mommy or horse hung role play daddy!
my name is Sissy. i"m a 37 yr old virgin single white male from pennsissylvania. i"m a lil girl trapped in a mans body.i do luv everything feminine like stillettoes, stockings, sexy dresses, skirts & blouses,makeup,long painted press on nails,perfume,having my hair done pretty,.....i have an adult toddler fetish. i luv 2 b a little girl in ankle socks, pigtails or hairbands,lil girl panties, shirley temple or school girl outfits wit petticoats. i luv bein pampered, spoiled & having things bought 4 me. i luv bein called little girl. i would luv 2 have people donate x-tube money 2 me or send me x-tube gifts. i also would luv 2 have a real sugar mommy 2 pamper, spoil & take care of me, luv me & keep me as her sissy 24 / 7 and force me into womanhood/enforce femininity gently without bondage or pain & maybe make me into a real girl.
i"m here 2 watch porn and think how nice it would b 2 really have some of u sexy ladies & possibly monster cock men dat i"ll probably never get the joy of meeting as friends and possibly playing wit,who knows maybe (hopefully) meet some sexy people 2 play wit,possibly even make some porn. i"m just a shy virgin lil girl so b patient, gentle wit me and let me explore & just have a good time.the more i enjoy myself & enjoy u, the more u will enjoy urself & enjoy me. remember youre trying 2 get me 2 enjoy myself, like it & want more so b kind understanding, patient and gentle wit your shy lil girl. seduce me. i"m not into pain! only pleasure.if it feels good do it!
i wish i had & i definitely want 2 meet a sexy lady wit large breasts (especially milking) & a squirting pussy 2 feminize me as much as possible (read my blog "mmmm a nice dream" especially the first part), pamper me, treat me like a lil girl, breast feed me, pussy feed me,teach me about sex by showin me how 2 please mommy sexually like a lil girl.
every night i lay in my bed in my babydoll nightie,lacey panties & ankle socks and cry myself 2 sleep cuz i don"t have a sexy mommy here 2 please and have pamper me & make me her good lil girl. i"m so lonely because i"ll probablee always b a virgin, i"ve never had anyone sexy who will accept me & not only let me b the sissy lil girl i want 2 b so badly but encourage it, help me and luv me 4 it as well.
i have never been wit a man and don"t know if i want 2, but i do get so turned on by and am attracted 2 REAL men dat are TALL, SLIM,extremely well defined, rock hard, smooth hairless body, wit Very long & thick cocks (especially uncircumsized). i might like 2 meet a nice, kind, gentleman like dat 2 explore with, have b my role play daddy, teach his virgin lil girl about sex by having me watch him & mommy then join in a little before daddy lets me play with, try 2 please him like mommy, feed me cum. Please do NOT waste my time if u are not my type! i would like 2 meet men wit a cock dat are 12" length x 6" around at least, uncircumsized is a plus, the BIGGER the better,the BLACKER the better! i get so turned on by men who are very tall, slim, extremely well defined, rock hard, smooth hairless body, licorice black wit a big black outtie belly button and a very long, thick uncut cock that soft swings between his knees, but can get so hard it stands right up tight against his belly & chest on its own. i"m starting 2 think REAL men like i described don"t really exist, are only in adult videos and dats because they"re fake and dat big cock is just movie magic. if there is a REAL man like i described out there who wants 2 prove me wrong then i am waiting 4 u 2 prove 2 me REAL men exist & show me your OVER 12 inch long 6 inch or more around cock in person and let me hold it in my hands. Where are the REAL men at? Instead of masterbating your HUGE cock off why not let me do it 4 you till you can"t come anymore and i might even do more if u just let me explore!
i also would like 2 meet VERY sexy, extremely passable Transexual She-Males (especially Asian) who have a very feminine body & face wit large breasts,long hair preferably and a large cock (at least 10 inches) for friendship, 2 help feminize me & make me into a pretty lil girl, and exploring wit. Someone who can understand how lonely it is being a boy who luvs 2 be a lil girl so much.
i do NOT have a webcam so please so not ask me 2 get on cam and i don"t have a digital camera so it"s very hard 2 take pictures of myself. so if u want 2 see more of me if you"re my type you"ll have 2 meet me & take more pics of me or wait till i do meet someone so i can have them take good pictures of me. i may try 2 take more self pictures sometime, but understand it is hard 2 get good sexy pictures of myself an get them developed.
if i could find the right nice,kind,understanding sexy ladies & possibly gentlemen like i am attracted 2 and i met them and i enjoyed myself i might even consider making videos!
Turn Ons
My Fetishs Are: Having a light skinned sexy lady keep me as a Sissyboy / Sissyslut in feminine sissy clothes 24/7, being a sissy todler lil girl 24/7, being pampered & treated like a real todler lil girl, breast feeding & pussy nursing, watching sexy light skinned ladies breeding 12in x 7in + BBC and letting me lick all the cum out of her pussy & off her tits, being made to masterbate in front of sexy light skinned ladies while I"m kept as a sissy, 12in x 7in + (esp uncut) BBC men with rock hard well defined smooth hairless tar black bodies.
perfume, make up,long painted press on nails, heels, stockings, panties, lingerie, being very feminine wit gorgeous ladies 2 b my mommy an play wit me like i was their lil girl, breast milk, girls who can really have hugely gushing orgasms, shaved pussy, large breasts, sexy not sloppy girls .
men wit MONSTER cocks (especially uncut), low hanging balls (especially black men the darker the better),well defined rock hard smooth hairless body.
4 example da porn star Mandingo is 1 of my favorite porn stars & his cock is so sexy i would luv 2 explore wit a cock like his.
maybe explore and play wit a big man like his lil girl. i may consider holding his extra long extra thick cock while he pees and masturbating him off. I LOVE THE SIGHT OF HUGE MONSTER COCK and WANT SO BADLY 2 SEE, TOUCH, FEEL, TASTE A REAL ONE 2 SEE HOW MUCH I WOULD LIKE IT. i do like big cocks of all kinds including sexy young white twinks & she-males wit huge cocks, i just luv sexy big cocks 10+ inches da BIGGER da better!..
sexy explicit comments and messages from sexy women an huge cock men telling me what u would like 2 do wit this shy lil girl in detail!!
sexy women making videos 4 me 2 see of them squirting 4 me (like they would in my mouth) while they look at my pictures an tell me how they would have me please them if they were my mommy!
men wit HUGE cocks making videos for me 2 see of them cumming huge loads on my pictures telling me wat they would do wit me if they were my daddy!
i luv the sight of a horses HUGE cock and would luv 2 have a real horse dat i could at least hold his HUGE horse cock in my tiny girlie hands and masterbate him off till he cums,maybe more depending on how much i like it!
Turn Offs
people who cant b discreet!!!
pushy people who cant take no 4 an answer,
rude people,
i dont like ANY masculine on masculine stuff only masculine man on woman or on very feminine ts/tg/tv & the only way i could ever be wit a man is if i can b a lil girl,
tiny cocks less than 10 inches long on men,
bad teeth,
bad breath,
body odor,
bad hygiene,
dressing up pretty wit make up and perfume and long painted nails, acting very feminine and masturbating thinking about gorgeous porn star type girls playin wit me and maybe some sexy porn star type men 2 have me & the porn star type girls play wit them .
Forced Womanhood Magazine (http://centurianonline.com/forced-womanhood/), Enforced Femininity Magazine, Enslaved Sissy Magazine (http://centurianonline.com/enslaved-sissies-and-maids/),..a few other good Centurian Publications are hot.it would b awesome 2 have some sexy playmates 2 try some of dat wit.if u like TS u should check out these publications! http://centurianonline.com/centurian-publications/
About myself
About my Partner
Physical Profile
Entertainment, Sports and Hobbies
Sexual Interests
Sexual Accessories
Top Comments
Hot profile sissy, I hope you find your dream life x
you're pretty too and welcome
well role play isnt bad lol
All Comments
cum on all u sexy ladies, passable transsexuals an men (esp bbc men!) wit 12 inches or more i wanna see ur videos of u orgasmin on my photos tellin me what u want 2 do to me, leave ur most explicit xxx comments on my profile, blogs & photos tellin me wat u would do wit me if u had me 2 b ur good lil girl. i'm so bored on here no one sexy wants me even on here wit all these people :'( i'm so eager 2 b a good lil girl yet it seems no one i like wants me.
I would love for you to kneel down and start sucking on my cock......After I am rock hard, I would want your tongue in my ass, while you hand job me.....Then I would bend you over and use a dildo on your ass to get you ready to be fucked...Then I would mount you and fuck your ass deep and hard and long, while you beat off your cock...After I cum in your ass, I would make you finish jacking off and after you cum on your belly, I would watch ytou eat every drop of your cum.....That ios for being a naughty girl in school.....If you were really naughty, I would make you call your girlfriend, and have you watch me eat and fuck her, Then if you were a good girl and said that you were sorry, I would let her suck your cock.....Mabey, I would suck your cock, just to show you that I am as good at sucking cock as I am at eating pussy....
i would love it if everyone of the people on my friends list or that i friend requested, or in my favorite photos and videos, or sexy people who fit the description of my type in my profile, blogs or polls was to leave me a xxx detailed comment on my profile and on my photos, or make videos of them cumming on my photos telling me what they would do with me. so please if you are on my friends list, in my favorite photos or vidoes or subscriptions or fit the type i find attractive like i describe in my profile, blogs & polls please please let me know youre out there & what sexy things you would like to do with me. please! make me lust for you (more than i do already tehe).
*drools & lusts*
Thanks for the request, sexxxy. I appreciate it very much.
Don't be a stranger!! Stop by and say hi every once in a while. I'd like that.
A lot. : -)
thank you VERY much for addin me to ur friendlist...if u like my 10inches, message me for a FREE video.
jackHiya babe,love your profile.Pity I'm across the pond I would love to do a video with you,mmm....... anyway see YOU soon,Lol Xxx
wzup little one,let me break u in,,,and pack u around in the house on my big dick,,,u need a real man,,,like me sexxxxxxxi, luv 1.
wzup sexi,,,u r a fine and sexi ,,,, i just rated u awesome i am a truck driver and i cum 2 ur town a lots,we need 2 freak 2 gether,,,,but i dont c were u rated me on here,,,and leave a comment in the comment section,,,and vote in the polls,and fill in the blanks in the Blog section,,plz, http://groups.yahoo.com/group/blackdick4blackdick2
hello sexy thanx 4 da add, ur looking very hott an sexy !! holla at cha boy-
wow makes my cock hard nice ..holla at me email@example.com ..messenger
Live Chat:
login to chat
reality mutual enjoyment
BY: shylilgirltv |
BY: shylilgirltv |
I DARE YOU! To Look At My Photos...
BY: shylilgirltv |


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Photoemission study of -induced barrier reduction for hole injection at , -bis(naphthalene-1-y1)-, -bis(phenyl) benzidine/Al


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Jerry Grcevich Tamburitza OrchestraJerry has dedicated his life to promoting tambura culture in America and abroad, maintaining and elevating the standards of musical excellence established by Europe's leading tambura orchestras. His vast repertoire broadens the appeal of this music to every nationality.10/19/2014Time: 2:00 pmLocation: Old St. Luke's Church, 330 Old Washington Pike, Carnegie, PAwebsite
The Brass Roots: Symphonic SpectacularThe Brass Roots' concert titled "Symphonic Spectacular" highlights great moments from the orchestral repertoire. This music truly captures the power of brass, featuring composers such as Mahler and Mussorgsky. The Brass Roots was founded by four musicians who had collaborated while pursuing graduate degrees at Carnegie Mellon University and who have since recruited some of the most capable musicians in the Steel City.10/19/2014Time: 7:00 pmLocation: Soldiers and Sailors Memorial Auditorium, 4141 Fifth Ave, Pittsburgh, PAwebsite
Major Winners RecitalViolinist Shanrong Tuo plays part of Beethoven's "Eroica" Sonata and the Fantasie by Messaien with pianist Sung Im Kim. Pianist Dimitri Papadimitriou plays Book II of "Images" by Debussy and Prelude #1 by Gershwin.10/19/2014Time: 2:00 pmKresge Recital Hall, College of Fine Arts, Carnegie Mellon University, Pittsburgh, PAwebsite | map
Music on the Edge Chamber OrchestraRoger Zahab conducts a contemporary music concert including a golden string by Judith Weir (Master of the Queen's Music), Toru Takemitsu's The Dorian Horizon, and Zahab's own Evening on 57th Street for solo violin and strings with the composer as soloist and guest conductor Rob Frankenberry.10/19/2014Time: 8:00 pmLocation: Bellefield Hall, 315 S. Bellefield Av., Pittsburgh, PAwebsite
Symphony EastPianist Rick Purcell and vocalist Shari Richards perform Songs from the Great American Songbook for Symphony East, an affiliate of the Pittsburgh Symphony.10/20/2014Time: 1:00 pmLocation: Redstone Highlands, 4951 Cline Hollow Rd., Murrysville, PA
Robert J. Lacovic, pianoJohnstown's Robert J. Lacovic of will perform piano works by contemporary Spanish composers and classics from earlier periods by Scarlatti, Debussy, De Falla, Rachmaninoff and Joaquin Turina.10/21/2014Time: 12:00 pm415 Vine St., Johnstown, PAwebsite | map
Benjamin Britten's The Beggar's OperaThe Beggar's Opera is a ballad opera in three acts written in 1728 by John Gay with music adapted by Benjamin Britten in 1948. The Beggar's Opera is widely considered Gay's best known work. Philip Walsh, conductor; Dan Rigazzi, stage director.10/22/2014 - 10/25/201410/22 - 8:00 pm10/23 - 8:00 pm10/24 - 8:00 pm10/25 - 2:00 pmLocation: Chosky Theater, Purnell Center for the Arts, Carnegie Mellon University, Pittsburgh, PAwebsite
Miss JulieDuring the course of a midsummer night in the post-Civil War South, Miss Julie, the young daughter of a plantation owner, seeks to escape her cramped uptight life by trying to seduce one of her father's former slaves. What begins as a flirtatious grappling for power between the two quickly escalates into a sexual relationship which has dark consequences. This new adaptation by Mark Clayton Southers mixes race into the dangerous cocktail of class and gender politics that Strindberg exploded onstage, restoring the sense of shock and outrage with which audiences greeted the play's original premiere. Andrew Paul directs.10/23/2014 - 11/15/2014Location: TBAwebsite
A Chorus Line10/23/2014 - 10/26/2014Byham Theater, 101 Sixth St., Pittsburgh, PAwebsite | map
Divine Travel Guest conductor Yan Pascal Tortelier returns to lead Grieg's popular Peer Gynt suite. Principal Flutist Lorna McGhee solos in Nielsen's Flute Concerto. Sibelius' romantic Symphony No. 5, the composer's reaction to the musical modernism of his time, closes this program. 10/24/2014 - 10/26/201410/24 - 7:30 pm10/26 - 2:30 pmHeinz Hall, 600 Penn Ave., Pittsburgh, PAwebsite | map


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(Age 18 and down) Do you guys really get picked on for your age on sodahead.com!?
- 20 votes
- Read all 64 opinions
- + View Demographics
'cause i dont.They usually agree with me. Im a smart cookie!
You must be a member of the group Teen hangout (under 18 only) to vote on this poll.
Top Opinion
EdwardBellaNessie1022 2009/03/13 04:27:37i do get picked on, they dont listen to me.+2The older people (40 and above) generally tell me that I don't know what I'm talking about and that I'm ignorant because I'm only 18. I still fight though because their argument is only my age, while mine is completely justified.
More polls by ☀ ~ elly ~ ☀
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I can fight my battlesif they piss me off ill b ok todefend myself!!! although sometimes people think im a dumb kid withno brains when i getinvolved with politics or religoin! but i normally always prove a point even if they dont listen to me!!!!
- Just Missy 2009/04/07 21:25:45i do get picked on, they dont listen to me.
- Twichl 2009/03/29 21:08:35
- EdwardBellaNessie1022 2009/03/13 04:27:37
- Alexandrite 2009/03/09 23:56:40
- well, i called you cookie, and i am younger and not a perv....
plus sometimes i feel (like a perv) when i check out older men....(but shhhhhh that will be our little secret)
=) -
I know. I like pointing out the obvious........though maybe that wasn't as obvious as I though it was.
+1lol. I do it all the time. It's just natural. Like today. I was talking to my friends at a birthday bash. We were talking about sleepwalking and I say this totally random thing about April 17th. I totally confused myself too because I thought I had said that I sleepwalked in my teeth sometime last april. and...I don't remember where I was going to take this. great! more confusion!
- Jodi 2009/03/09 23:35:11
- Party Boy [A7X Bat] 2009/03/09 20:57:02
See Votes by State
2015/04/19 19:15:48
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Is I'm A Celebrity in bad taste?
| By handbag.com | Add comment
As millions face starvation in Zimbabwe, is I'm A Celebrity... Get Me Out Of Here out of order?
Millions watched ITV's I'm A Celebrity... Get Me Out Of Here last night as glamour model Nicola McLean ate animal testicles and then asked if they would make her pregnant.Meanwhile, in Zimbabwe, kids are being forced to eat bugs because a food crisis means they could face starvation.Is I'm A Celebrity in bad taste, or is it just a bit of harmless entertainment?Tell us your views in the comment box below.


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Padres 2, Mets 1
Eric Stults looked at the scoreboard after two innings and was a bit taken aback.
In his 12th season of a professional baseball odyssey that's taken him to 10 minor league cities from Albuquerque to Vero Beach, overseas to Japan and across America to four big league clubs, the 33-year-old right-hander finally had earned a job on an opening-day major league roster.
And while he had pitched scoreless ball for two innings Thursday, his pitch count was up to 49.
''Damn foul balls,'' San Diego Padres manager Bud Black said.
Stults (1-0) gritted his way through five scoreless innings of three-hit ball, combining with five relievers on a five-hitter and 14 strikeouts to lead the Padres over the New York Mets 2-1 for their first win of the season.
Jedd Gyorko doubled in the go-ahead run in the fourth for his first major league RBI, and the Padres avoided starting the season with three straight losses for the second year in a row.
''To get that first win is big,'' Stults said.
Claimed on waivers from the Chicago White Sox last May, he was just 8-10 in a big league career that began with the Los Angeles Dodgers and moved on to Colorado. Finally getting the chance to pitch regularly with the Padres, he went 8-3 with a 2.92 ERA.
''Years past, I might get four, five starts and then get sent back down to the minor leagues and then come back up. I was always bouncing back and forth,'' he said. ''In years past, when I was bouncing back and forth, I might go six days and not pitch or seven days. And there was days I was pitching on short rest, when I would get called up. So not that that's an excuse, but it's I think a little bit tougher a starting pitcher when you're routine gets thrown off.''
Stults, who beat the Mets seven years ago for his first big league win, had only one 1-2-3 inning but kept escaping trouble. He walked two and struck out seven - including four looking.
''Mixed up pitches, a variety of speeds, kept them off balance all day,'' Black said. ''High and low with the fastball. In and out with the fastball. Good overhand curve. Good change. Little slider to the lefty. Pitched well.''
Of Stults' 95 pitches, the Mets fouled off 20.
''He went after hitters and was able to expand the zone when he got ahead,'' Mets manager Terry Collins said.
Brad Brach, Joe Thatcher, Dale Thayer, Luke Gregerson and Huston Street followed. John Buck drove Street's first pitch of the season off the facing of the second deck in left for his second homer of the series, but Street then retired three in a row for the save.
Mets starter Dillon Gee (0-1) returned from shoulder surgery last summer and was nearly as sharp as Stults. He opened with a five-pitch walk, then retired 10 in a row and wound up giving up three hits in 6 1-3 innings.
Gee didn't pitch at all during the second half of last season. He said July 8 he felt numbness in fingers on his right hand, a day after pitching eight innings to beat the Chicago Cubs. Tests revealed a blood clot in his shoulder, and he had surgery July 13 as doctors used a vein from his groin area to widen the artery to prevent future clots.
''It felt great today,'' he said. ''I put it behind me a long time ago. Today really felt just like any other day, any other start.''
Outscored 19-6 in their first two games, the Padres rested Carlos Quentin from the starting lineup in the day game following a night game and inserted Mark Kotsay in left field. Justin Turner started at second for the Mets in place of Daniel Murphy, and Turner got hits in his first three at-bats of the season.
Gee gave up a run in the fourth after one-out singles by Kotsay and Yonder Alonso put runners on the corners. Gyorko, who made his big league debut Monday, pulled a 1-2 changeup over the third-base bag to give the Padres their first lead this season.
''I was able to hook it down the line. It was good to kind of get that early lead,'' said Gyorko, starting at third base while Chase Headley is on the disabled list. ''No one likes to look up at the scoreboard and be down eight runs with the last couple of innings to play.''
Jeurys Familia allowed another run in the eighth when pinch-hitter Chris Denorfia walked leading off, Alonso singled him to third and Familia bounced a slider over the glove of Buck, who tried for a backhand grab. That turned out to be the difference.
After the game, the Rolling Stones' ''Sympathy for the Devil'' blared in the visitors' clubhouse.
''When you hear the music in the clubhouse,'' Gyorko said, ''it's a good thing.''
NOTES: Jason Marquis pitches for the Padres on Friday in their series opener at Colorado, which starts Jeff Francis. ... Jeremy Hefner starts for the Mets on Friday against Miami's Alex Sanabia. ... Mets RHP Shaun Marcum, who didn't pitch in spring training games after March 16, had an MRI of his neck Thursday and was diagnosed with nerve inflammation. He had an injection, will travel back to the team's spring training complex on Friday and rest for at least two days.
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520 Edgemont Road
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Phone: 434-296-0254
Connect to: Library Web Site Online Catalog
Library details: National Radio Astronomy Observatory Library is a Special library.
This library is affiliated with National Radio Astronomy Observatory (view map)
Permalink: http://librarytechnology.org/libraries/library.pl?id=65561
(Use this link to refer back to this listing.)
Administration: The director of the library is Marsha J. Bishop .
Technology Profile | ||
Product Name | Year Contracted | |
Current Automation System | EOS.Web | 2006 |
Previous Automation System | DB/TextWorks | 1986 |
Previous Automation System | Locally developed | |
The library's automation system is hosted by the vendor through an Software-as-a-Service (SaaS) arrangement. | ||
This library is responsible for the procurement of the library automation system. |
Identifiers | |
libraries.org ID | 65561 |
Record History: This listing was created on Dec 4, 2012 and was last modified on Nov 5, 2014.
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You are here: Home Index » Actors » Tahmoh Penikett | Please log in or Register here |
Tahmoh Penikett
Promoting media: pictures, videos, wallpapers, quotes, bio, filmography.
Known for: | Cold Squad, Need for Speed: Carbon, Hush |
Birthday: | 20-May-1975 Whitehorse, Yukon, Canada |
Height: | 6' 2½" 1.89 m |
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His character Helo in the Battlestar Galactica miniseries was not supposed to return for the regular run of the show. Audience response to Helo was so strong the producers created an entire subplot for the character in the second series, set on the destroyed homeworld of Caprica.


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Are Heart Attacks Hereditary? New Report Looks Into The Matter
November 30, 2012
Close relatives of young people who have died of a sudden heart attack are at risk for heart disease themselves.
Health Medical Pharma, War Conflict, Aging-associated diseases, Health, Medicine, Politics, sudden heart attack, heart disease, Heart Nanotechnology, Sudden unexpected death syndrome, Broken heart, Circulatory system, heart diseases, cardiomyopathy, disease, cardiovascular disease, Myocardial infarction, Cardiovascular diseases


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OVERKILL frontman Bobby "Blitz" Ellsworth can now be reached via TheLiveLine, a service launched by MEGADETH mainman Dave Mustaine that enables musicians to connect to their audience over the phone. Get updates on OVERKILL and leave messages for Bobby by calling (888) 634-7270.
About TheLiveLine: In the spring of 2008, Dave Mustaine and friend Scott Holmen approached the founders and president of SmartReply, Inc. with Dave's concept of using their technology to engage fans and artists. This innovative platform would serve as a way for fans to let the artists know what they are up to and for artists to keep fans informed of what is going on in their world. In the summer of 2008 a Beta version of TheLiveLine.com was released and it was a smashing success. Fans and artists engaged in communication via mobile phone (voice and text messaging) and the TheLiveLine web site, which gave them exactly what they were looking for — up-to-the-minute information from each other. OVERKILL has tapped PAIN/HYPOCRISY mainman Peter Tägtgren to mix the band's new album in August. OVERKILL bassist D.D. Verni has been locked in the studio putting together what will be the band's 25th anniversary release. The group is still talking with different labels, but plans are to make the new CD available at the end of the year. Since 2010 is the 25th anniversary of the release of the debut OVERKILL album, "Feel The Fire", there are lots of plans for next year, including U.S. and European tours. Video footage of OVERKILL' March 5, 2009 concert in Augsburg, Germany can be viewed below (courtesy of "eblinternational"). OVERKILL's second DVD, "Live at Wacken Open Air 2007", came out in February 2008 via Bodog Music. The 50-minute disc was shot during the band's headline set at the festival in front of an audience of 40,000, and features songs that span OVERKILL's 28-year career, including "Walk Through Fire" (which can be viewed below) from the group's latest disc "Immortalis", "Rotten to the Core", "Elimination", "Fuck You", "In Union We Stand", "Necroshine", "Skull and Bones", "Old School" and "Wrecking Crew".OVERKILL Frontman Joins TheLiveLine
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These materials may be used for the purposes of research, teaching, and private study. For all other uses, contact Milne Special Collections and Archives, University of New Hampshire Library for permission.
Phi Lambda Phi, 1918-1919, ca. 1918
Moran, Clement, d. 1940
1918Subjects | University of New Hampshire -- Photographs University of New Hampshire. Phi Lambda Phi Greek letter societies -- New Hampshire -- Durham Physics -- Societies, etc University of New Hampshire. Physics Dept. University of New Hampshire -- Students Phi Lambda Phi (Honorary Physics Fraternity); Physics Department; Honor Societies; Moran, Clement UNH |
Contributors | University of New Hampshire. Library. Digital Collections. University of New Hampshire. Library. Milne Special Collections and Archives. |
Type | Image |
Format | JPEG photographic prints |
Identifier | Moran image no. M193 |


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Bart van der Leck
Bart van der Leck (26 November 1876, Utrecht - 13 November 1958, Blaricum) was a Dutch painter, designer, and ceramacist. With Theo van Doesburg and Piet Mondrian he founded the De Stijl art movement.
Son of a house painter, he started his career learning how to make stained glass in a shop in Utrecht. An example of his later stained glass work is in the Kröller-Müller Museum in Hoge Veluwe, Netherlands.
After having met Mondrian and van Doesburg and having founded the Stijl movement with them, his style became completely abstract, as did Mondrian's. But after disagreements with Mondrian his abstract style became based on representational images. His painting Tryptich is an example, in which he transformed sketches of a mine in Spain into seemingly abstract shapes.
In 1919-1920 he created the interior design for St Hubertus Hunting Lodge, in the Hoge Veluwe estate. The hunting lodge was designed by Hendrik Petrus Berlage. In 1930, he was commissioned by Jo de Leeuw, owner of the prestigious Dutch department store Metz & Co. to design interiors, window packaging, branding and advertising. For these print materials van der Leck developed a rectilinear, geometrically constructed alphabet. In 1941, he designed a typeface based on this alphabet for the avant garde magazine Flax. Architype van der Leck, a digital revival of that face by David Quary and Freda Sack of The Foundry, was released in 1994.
Bart van der Leck claimed to be the father of the avant-garde movement. In his own words he said: "Mondrian came to my place one day with Doesburg, whom I had never seen before. When Doesburg noticed an abstract painting right on the easel, he exlaimed: 'If that is to be the painting of the future, may I be hanged right now!' Well, a few months later, he was painting in precisely that manner. That's the sort of person Doesburg was. No ideas of his own. And a cheat in bargain..." [1]
- ^ Ceuphor, Michael (1971). Piet Mondrian. New York, NY: Harry N. Abrams Inc. p. 138.
This article includes a list of references, but its sources remain unclear because it has insufficient inline citations. (July 2009) |
- Haley, Allen. Type: Hot Designers Make Cool Fonts. Rockport Publishers Inc, Gloucester; 1998. ISBN 1-56496-317-9
- Hoek, Els, Marleen Blokhuis, Ingrid Goovaerts, Natalie Kamphuys, et al. Theo van Doesburg: Oeuvre Catalogus. Centraal Museum: 2000. ISBN 90-6868-255-5.
- Toos van Kooten (ed.). Bart van der Leck. Rijksmuseum Kröller-Müller, Otterlo, 1994 (in Dutch).
External links[edit]
Wikimedia Commons has media related to Bart van der Leck. |
- Short biography at Codart
- (Dutch) Longer biography at Instituut voor Nederlandse Geschiedenis
- Works in the Kroller-Muller Museum, Otterlo.


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One of the many ways to turn any photo into one the looks like it was shot with a Holga. We used this effect for our upcoming swimsuit collection for WAGW (wagw.multiply.com) and I thought I'd share how it was done.
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The other day I was home and I was craving something salty. You know how that is, right? But we had no chips, no popcorn, no chocolate that I could sprinkle salt on. I really wanted fries. My family has not had McDonalds since last December thanks to a family New Year's resolution. The other day I walked by someone carrying a large order of McD's fries and didn't even cave. However, this day I wanted something like that. The only thing I could find in my house that I thought would work was jicama. I have eaten jicama at restaurants or on salad bars but I don't think I have even seen it at the store. My mom and dad were here a couple of weeks ago and they brought a jicama from Colorado with them. So, I turned to my trusty friend google and found this recipe. After peeling off the skin with the worst potato peeler ever I cut it into strips. Munchkin came and tasted the raw jicama and said she thought it tasted like sweeter raw potatoes. I think I may have used a bit too much olive oil..I didn't measure since I was trying to be a chef but I did add a good amount of salt for my taste. That is my daughter's hand up there with all of the salt.
I baked these at 400 for about 25 minutes, flipped them and baked for another 20 minutes. I was surprised to find that I liked my little jicama fries quite a bit. Call me crazy but I topped them off with Malt Vinegar. mmmm. It was just the right touch for me! Apparently these are good for those of you on Paleo diets too. :)


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Definition of mew gull in English:
chiefly North American Another term for common gull.
Example sentences
- Dainty mew gulls and the even smaller Bonaparte's were the most numerous gulls in this mixed bag.
- The most common are the glaucous-winged gulls, mew gulls, black-legged kittiwakes, and Bonaparte's gulls.
- Herring gulls can be separated from mew gulls by their larger size, pink legs, and larger bill with a subterminal red spot.
Mid 19th century: mew (in Old English meau 'mew gull'), of Germanic origin; related to Dutch meeuw and German Möwe.
Definition of mew gull in:
- US English dictionary
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text: Buttonwillow virus (ATCC® VR-1226AF™) Classification: Bunyaviridae, Bunyavirus, Simbu Group / Strain: A-7956 / Product Format: freeze-dried 0.5 mL, 2.0 mL and 5.0 mL General Information Documentation Print Email Share Share this product Facebook Twitter Google+ Permits and Restrictions View Permits Classification Bunyaviridae, Bunyavirus, Simbu Group Agent Buttonwillow virus Strain Buttonwillow immune ascitic fluid [V-534-701-562] Biosafety Level 1 Product Format freeze-dried 0.5 mL, 2.0 mL and 5.0 mL Storage Conditions 4°C Permits These permits may be required for shipping this product: Customers located in the state of Hawaii will need to contact the Hawaii Department of Agriculture to determine if an Import Permit is required. A copy of the permit or documentation that a permit is not required must be sent to ATCC in advance of shipment. Basic Documentation Product Sheet Certificate of Analysis SDS


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Federal Way's Christmas tree lighting event set for Dec. 8
From staff reports:
Federal Way will hold its second annual Christmas tree lighting event from 3:30 to 4:30 p.m. Saturday, Dec. 8, at The Commons Mall.
The free event, titled "Lights On, Federal Way," will feature music from the Federal Way Youth Symphony, the Jet Cities Chorus and the Harmony Kings. Refreshments will be available, and the first 100 attendees will receive holiday glow sticks to add to the festive atmosphere.
Mayor Skip Priest will choose a child from the audience to help him light the Christmas tree at 4:30 p.m. The event will take place at the mall's northwest entrance, near the FedEx/Kinko's store.
The event is made possible by the Federal Way Arts Commission and the City of Federal Way, and is sponsored by The Commons. The lights of the tree, and the lights throughout the city, will stay lit until New Year's Eve.
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Feb 20, 2013
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Summary: LINEAR ALGEBRA (MATH 317H) CASIM ABBAS Assignment 18 - Inner products, Orthogonality (1) Let ( . , . ) be the standard inner product on Cn , and let . , . be another inner product. Show that there is a self-adjoint invertible (n× n)-matrix A such that x, y = (x, Ay). Self-adjoint means A = A = A T . (2) Let V be a real vector space, and let be a function which assigns to each pair of vectors a real number such that the following conditions are satisfied: · Skew-Symmetry: (x, y) = -(y, x) · Linearity: (x + z, y) = (x, y) + (z, y) · Non-degeneracy: If (x, y) = 0 for all x V then y = 0. In this case is called a symplectic form and V is called a symplectic vector space.
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text:
Effectiveness of Physiotherapy for Osteoporotic Spinal Fracture
This study has been completed.
University of Melbourne
ANZ Trustees
Information provided by:
University of Melbourne
ClinicalTrials.gov Identifier:
First received: March 12, 2008
Last updated: NA
Last verified: March 2008
History: No changes posted
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- How to Read a Study Record
The aim of this pilot study was to determine the effect of physiotherapy on impairments and health-related quality of life in people with a painful osteoporotic spinal fracture. It is hypothesised that physiotherapy will reduce impairments and improve quality of life in this patient group.
Condition | Intervention | Phase |
Osteoporosis Vertebral Fracture |
Other: Physiotherapy |
Phase 2 |
Study Type: | Interventional |
Study Design: | Allocation: Randomized Endpoint Classification: Safety/Efficacy Study Intervention Model: Parallel Assignment Masking: Single Blind (Outcomes Assessor) Primary Purpose: Treatment |
Official Title: | Effectiveness of Physiotherapy for Vertebral Osteoporotic Fracture: a Randomised Controlled Pilot Trial |
Resource links provided by NLM:
Further study details as provided by University of Melbourne:
Primary Outcome Measures:
- Back pain as assessed by a numeric rating scale [ Time Frame: Baseline and 10 weeks ] [ Designated as safety issue: No ]
Secondary Outcome Measures:
- activity restriction, health-related quality of life and physical activity levels as well as overall perceived rating of change in back pain. Objective measures of thoracic kyphosis, standing balance, back and shoulder muscle endurance [ Time Frame: Baseline and 10 weeks ] [ Designated as safety issue: No ]
Enrollment: | 20 |
Study Start Date: | February 2006 |
Arms | Assigned Interventions |
Active Comparator: Physiotherapy
Including 10 individual visits with a physiotherapist and home exercises
Other: Physiotherapy
10 weekly individual sessions with the therapist each lasting approximately 45 minutes. Techniques included postural taping, massage, mobilisation, exercises. The patients also performed home exercises
No Intervention: 2
Usual care
Ages Eligible for Study: | 50 Years and older |
Genders Eligible for Study: | Both |
Accepts Healthy Volunteers: | No |
Inclusion Criteria:
- if female, at least five years post-menopause
- aged > 50 years
- primary osteoporosis defined as DXA T score < -2.5 at either the spine or proximal femur with at least one morphometric vertebral crush fracture sustained between 3 months to 2 years previously
- back pain/discomfort in thoracic or lumbar region felt at least weekly within the last 6 months
- stable dose of medication for treatment of osteoporosis (eg. hormone replacement therapy, bisphosphonates)
- community dwelling and able to attend for treatment
- English speaking
Exclusion Criteria:
- secondary causes of bone loss such as osteomalacia, glucocorticoid medication etc.
- co-morbidities that would interfere with participation in exercise such as severe heart or pulmonary disease, inflammatory joint disease, severe osteoarthritis, psychiatric condition
- acute vertebral fracture in past 3 months
- signs and symptoms arising from nerve root compression
- back pain radiating into the lower limb
- previous participation in a formal pain management program for back pain
- physiotherapy for back pain in the past 6 months
- allergic reaction to adhesive tape or poor skin condition that would prevent use of tape
Contacts and Locations
Choosing to participate in a study is an important personal decision. Talk with your doctor and family members or friends about deciding to join a study.
To learn more about this study, you or your doctor may contact the study research staff using the Contacts provided below.
For general information, see Learn About Clinical Studies.
Please refer to this study by its ClinicalTrials.gov identifier: NCT00638768
Please refer to this study by its ClinicalTrials.gov identifier: NCT00638768
Australia, Victoria | |
School of Physiotherapy, University of Melbourne | |
Melbourne, Victoria, Australia, 3010 |
Sponsors and Collaborators
University of Melbourne
ANZ Trustees
Principal Investigator: | Kim L Bennell, PhD | University of Melbourne |
More Information
No publications provided by University of Melbourne
Additional publications automatically indexed to this study by ClinicalTrials.gov Identifier (NCT Number):
Keywords provided by University of Melbourne:
Additional relevant MeSH terms:
ClinicalTrials.gov processed this record on April 26, 2015
No publications provided by University of Melbourne
Additional publications automatically indexed to this study by ClinicalTrials.gov Identifier (NCT Number):
Responsible Party: | Professor Kim Bennell, University of Melbourne |
ClinicalTrials.gov Identifier: | NCT00638768 History of Changes |
Other Study ID Numbers: | 010085.1 |
Study First Received: | March 12, 2008 |
Last Updated: | March 12, 2008 |
Health Authority: | Australia: Human Research Ethics Committee |
Keywords provided by University of Melbourne:
physical therapy rehabilitation pain osteoporosis vertebral fracture |
Additional relevant MeSH terms:
Fractures, Bone Osteoporosis Spinal Fractures Back Injuries Bone Diseases |
Bone Diseases, Metabolic Musculoskeletal Diseases Spinal Injuries Wounds and Injuries |
ClinicalTrials.gov processed this record on April 26, 2015