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Fiduciary Related News and Intelligence
These are general fiduciary news items. Other topical areas you may find of interest that are not fully covered here include ERISA 404(c) Compliance and Fiduciary Duty, 401k Investment Committees and Fiduciary Responsibility and Liability Issues.
House Committee Passes Bill That Would Delay Fiduciary Rule
Summary: Even if the bill makes it to the floor of the full House, American Retirement Association Director of Congressional Affairs Andrew Remo does not think much of its prospects, remarking, "President Obama's forceful support of the fiduciary rule in February has muted House Democratic support for the Wagner bill, ensuring its defeat in this Congress."
Source: Ntsa-net.org, October 2015
Big Changes Ahead for DOL Fiduciary Rule
Summary: The DOL will make changes to a proposal to raise investment advice standards for retirement accounts as soon as it digests thousands of comments letters, the official spearheading the rule said Tuesday. One such change could involve the controversial contract brokers must sign with clients in order to have flexibility in how they charge.
Source: Investmentnews.com (registration may be required), September 2015
Department of Labor's Proposal to Define "Investment Advice"
Summary: The DOL intends to use the proposed definition of "investment advice," addition of a "best interest contract" exemption, and changes to current exemptions to more substantially extend its authority over IRAs. As a result, virtually all sales and marketing activities in connection with IRAs will be "investment advice" and subject to the prohibited transaction provisions. The purpose of this article is to explain how the DOL proposes to accomplish this.
Source: Groom.com, September 2015
Are Plain-Vanilla 401k Investment Options a Fiduciary Imperative?
Summary: Investment fads come and go, but they tend to stay on the 401k menu of investment options. Whose responsibility is it to recognize when investment fads expire? It may be reasonable to place that responsibility on the fiduciary duty of the plan sponsor who then can offer employees with the proper menu of the core building blocks.
Source: Fiduciarynews.com, September 2015
Fiduciary Financial Advisers and the Incoherence of a 'High-Quality Low-Fee' Safe Harbor
Summary: Americans now hold trillions of dollars in individual retirement savings accounts. Concerned about conflicts of interest among financial advisers who provide advice to retirement savers, the DOL has proposed imposing fiduciary status and a "best interest" standard on such advisers. But authors state, "This policy incoherence is worrisome because of the potential for the safe harbor to swallow the best interest standard."
Source: Ssrn.com, September 2015
Proposed DOL Fiduciary Regulation May Lead to Unintended Roadblocks for 403(b)s
Summary: The DOL has traditionally been very supportive of 403(b) modernization. In fact, they've encouraged it. Author writes, "That's why it is particularly curious that the DOL's proposed fiduciary regulation seem to introduce prohibitions that will likely prevent future modernization."
Source: Principal.com, September 2015
Fiduciary Education Considerations
Summary: Rumor has it that regulatory exams of retirement plans continue to include explicit questions about whether a formal fiduciary education program exists and, if it does, what it contains. Still, such programs appear to be rare.
Source: Pensionriskmatters.com, September 2015
Analyst Says DOL Creates New Conflict in Its Conflict of Interest Rule
Summary: The Department of Labor's proposed fiduciary rule, which is designed to remove conflicts of interests from advisors to IRAs and most of the country's 401k plans, actually creates a new conflict of interest, according to one analyst.
Source: Benefitspro.com, September 2015
Seven Things Fiduciaries Shouldn't Say in Court
Summary: Fiduciaries and sponsors might want to note these incriminating statements in a notorious 401k court case. Article looks at seven examples of what not to say when under oath.
Source: Benefitspro.com, September 2015
Fiduciary's Failure, in One Flowchart
Summary: This chart maps out the restrictions the DOL's proposed change to the definition of fiduciary puts on consumers, employers and financial advisors.
Source: Uschamber.com, August 2015
DOL Issues Re-Proposed Conflict-of-Interest Rule for Investment Advice
Summary: The DOL's re-proposed fiduciary definition of "investment advice" would consider more advisors to be investment advice fiduciaries subject to ERISA. The regulation would also affect the 15% excise tax on prohibited transactions in employee benefit plans, IRAs and annuities, and HSAs. Plan sponsors, plan participants and IRA owners may benefit, assuming the rules make conflicts of interest considerably more transparent.
Source: Towerswatson.com, August 2015
Summary of Comments From the DOL Hearing on the Proposed Conflict of Interest Rule
Summary: On August 13, 2015, the DOL concluded a four day public hearing on its proposed conflict of interest rule. The approximately 75 witnesses generally fell into two groups: the financial services industry and consumer groups. During the hearing, each witness read a prepared statement before responding to questions from a panel of DOL employees. This article summarizes some of those comments.
Source: Shearman.com , August 2015
Effects of the Fiduciary Rule: Questions Advisers Are Asking
Summary: The DOLs Fiduciary Rule could affect you if you recommend a plan distribution to a participant or provide advice on how to invest assets to be rolled over or distributed from a plan or IRA, because these suggestions would now be fiduciary advice. If the advice results in a prohibited transaction, under the proposed rule you would need to satisfy the conditions of the DOL's "best interest contract" exemption.
Source: Planadviser.com, August 2015
The Great Divide: The Different Effect of the DOL's Fiduciary Proposal on Large and Small Plans
Summary: The DOL conflict of interest proposal includes a complex array of exceptions and exemptions, the requirements of which vary depending on the size and nature of the retirement vehicle, as well as the type of product being sold. Some of these requirements will change in the process of finalizing the proposal. It is incumbent on plan sponsors, as well as their advisers, to avoid engaging in prohibited transactions, but to do this will require close monitoring of how the new rules work together.
Source: Wagnerlawgroup.com , August 2015
Fiduciary Rule "Going to Change the Game"
Summary: Calling it a "game changer," NTSA Executive Director Chris DeGrassi and American Retirement Association CEO Brian Graff offered their takes on the Department of Labor's proposed fiduciary rule.
Source: Ntsa-net.org, August 2015
DOL's Fiduciary Proposal: Significance for Plan Sponsors
Summary: The DOL proposal may affect plan sponsors in three ways. First, sponsors and sponsor staff may, in some cases, be advice fiduciaries under the proposed rule. Second, sponsors may be affected as direct consumers of advice. Third, sponsors may be affected as indirect consumers of advice. Article reviews each one in more detail.
Source: Octoberthree.com, August 2015
"We are Absolutely Not Banning Commissions," says DoL Fiduciary Hearing Chief
Summary: The agency wants a fundamental shift in Wall Street culture and sees a "best interest contract" as a way to as a way to do that. "We are absolutely not banning commissions...[w]e just want everyone who is working on retirement accounts to be acting as fiduciaries."
Source: Financial-Planning.com, August 2015
Ten Questions Regarding DOL's Fiduciary Rule
Summary: Ron Rhoades responds to 10 questions he has received regarding the DOL's "Conflict of Interest" (fiduciary) rule proposal, and its future.
Source: Scholarfp.blogspot.com, August 2015
Don Trone Blasts DOL Fiduciary Plan
Summary: Don Trone, often referred to as the "Father of Fiduciary," testified at a Department of Labor hearing on Thursday that its proposed fiduciary rule making would have failed to stop famed Ponzi schemer Bernie Madoff, and that more fiduciaries than brokers have stolen money from investors.
Source: Thinkadvisor.com, August 2015
Opponents to DOL Fiduciary Rule Say Tweaks Aren't Enough
Summary: In the first day of hearings on the DOL's fiduciary rule, DOL deputy assistant secretary Timothy Hauser sketched a potential simplified contract that would allow financial advisers flexibility in their compensation arrangements as long as they act in the best interests of their clients. Even after the Labor Department modifies its proposal to curb conflicts of interest for brokers working with retirement accounts, it may not be enough to satisfy opponents.
Source: Investmentnews.com (registration may be required), August 2015
Industry Making "a Last Gasp Effort" for Revisions to DOL Fiduciary Rule
Summary: In testimony this week, adviser groups have called the DOL's proposed fiduciary rule "burdensome" and argued the additional requirements, such as increased disclosures, would make it harder for financial professionals to provide investors with affordable services and products. Others call the industry's loud objections to the rule, "a last gasp effort."
Source: Benefitnews.com, August 2015
The DOL Fiduciary Proposal: Investment Education Vs. Advice
Summary: The DOL's proposed regulation re-defining who is an ERISA fiduciary would, among other things, supersede current rules on investment education. This article provides background on the education vs. advice distinction and on the current rules. It then reviews the DOL proposal and conclude with a discussion of the issues it presents for sponsors.
Source: Octoberthree.com, August 2015
Benchmark DC Plan Fees Now to Lower Your Personal Risk
Summary: Continuing focus on DC plan fees by litigators, regulators and the media has made it clear that fiduciaries must understand and determine "reasonable" fees being paid from a DC plan. Since fiduciary liability is personal, sound risk mitigation calls for a rigorous process to establish reasonable fees on an ongoing, regular basis.
Source: Xerox.com, August 2015
Most Advisors See Little Effect From New Fiduciary Rules
Summary: Some reps who think they are ready for a fiduciary standard may not fully grasp the implications. More than two-thirds of financial advisors, 67 percent, say recent moves by regulators are having "minimal to no impact" on their risk assessment processes, according to a survey.
Source: Benefitspro.com, August 2015
NTSA Conference Presentation Sheds More Light on DOL's Fiduciary Rule
Summary: During the first round of breakout sessions at the 2015 NTSA 403(b) Summit in Nashville, an expert panel led a lively and engaging discussion about the Department of Labor's re-proposed fiduciary rule, and the potential impact on common business practices. Amy L. Simonson summarizes the who, what, when, where, why and how of the proposed rule.
Source: Ntsa-net.org, August 2015
What Can Fiduciaries Learn From Tibble v. Edison?
Summary: The Tibble decision presents some obvious implications for plan sponsors and fiduciaries. Plan sponsors need to engage in periodic monitoring of their retirement plan investments, with proper documentation, either on a quarterly or semi-annual basis. The investment monitoring should include criteria that encompasses performance and risk-based analytics as well as benchmarking the fees, both investment and administrative, paid by participants and the plan.
Source: Schneiderdowns.com, July 2015
SEC Faces Its Own Debate on Fiduciary Advice Standards
Summary: Transcripts from a tough SEC hearing called earlier this month show it's not just the Department of Labor considering changes to the application of the fiduciary standard.
Source: Planadviser.com, July 2015
Will Trial Lawyers be the Sole Beneficiary of a Watered-Down Fiduciary Rule?
Summary: The law firm of Schlichter, Bogard & Denton has had a very good couple of weeks. After winning two high profile 401k fee lawsuits, courts have approved the payment of more than $31.9 million in legal fees. These settlement fees got the author thinking about the DOL's proposed fiduciary rule. Would the proposal, if implemented, give trial lawyers more fodder for excessive 401k fee lawsuits? Author thinks it would.
Source: Employeefiduciary.com, July 2015
A Caveat to the Advice to Pension Fiduciaries to "Document, Document, Document"
Summary: It is good to have a formal record of steps that have been taken. Whether it's the evaluation of providers, the benchmarking of fees, or any of the many other steps that fiduciaries take as part of their oversight of the investment program, you'll want it on record. But, while some documentation serves to explain decisions, and to demonstrate due process, not all documentation has that effect.
Source: Russell.com, July 2015
Where Key Players Align in the DOL Fiduciary Fight
Summary: As the DOL's fiduciary rule proposal's comment period ends, here's a snapshot of some of the larger parties' stances.
Source: Investmentnews.com (registration may be required), July 2015
Perez Says DOL Fiduciary Debate Shifts From Whether to How
Summary: Secretary of Labor Thomas Perez told lawmakers that the debate surrounding the fiduciary rule proposal has evolved from whether it's necessary to how to put the fiduciary measure into practice.
Source: Investmentnews.com (registration may be required), July 2015
Comment Period Closes on DOL Fiduciary Rule
Summary: The DOL re-proposed its fiduciary rule mid-April. Under the proposal, brokers and advisers to individual retirement plans would have to follow the same stringent rules as registered investment advisers. July 21 was the last day to submit a comment on the proposal. Article reviews many of the comments received.
Source: Benefitnews.com, July 2015
DOL Official Promises Changes to Fiduciary Rule
Summary: A Labor Department official said the agency's proposal to raise investment-advice standards for brokers working with retirement accounts would be modified in response to criticism.
Source: Investmentnews.com (registration may be required), July 2015
Obama Doubles Down on DOL Fiduciary Rule
Summary: President Obama reiterated his administration's intent to implement the Department of Labor's proposed fiduciary rule. The comments from the president are his latest commitments of political capital to the DOL's efforts.
Source: Benefitspro.com, July 2015
Fiduciary Advice Proposal Signals a Fundamental Shift in the DOL's Approach
Summary: The DOL's fiduciary proposal represents a fundamental shift in the Department's approach to regulating the retirement services industry. This article discusses three aspects of the proposal that illustrate this fundamental shift.
401k Plans and the Fiduciary Standard
Summary: Employers are often placed in a position of trust with respect to their company's 401k plan. Unfortunately, until recently the responsibilities associated with that position have not been fully understood. That is about to change.
Source: Brightscope.com, July 2015
Defining "Best Interest" Standard in Fiduciary Debate a Head Scratcher
Summary: Two industry trade groups and the Financial Industry Regulatory Authority came out recently with uniform best interest standards in an attempt to squelch what they say will be competing fiduciary plans to be issued by the Department of Labor and the Securities and Exchange Commission.
Source: Thinkadvisor.com, June 2015
Senate Appropriations Bill Targets Fiduciary Proposal
Summary: Appropriations subcommittees on Capitol Hill -- first in the House and now in the Senate -- have taken a shot at blocking the Labor Department's fiduciary proposal by denying funding for the measure.
Source: Napa-net.org, June 2015
Money Market Funds Changes - Implications for Fiduciaries
Summary: New SEC money market funds rules that go into effect in 2016 will impact nearly every retirement plan that uses such funds as investment options or to facilitate plan administration. Plan sponsors, investment committees, those who advise them, and plan administrators should understand the upcoming changes in order to determine what steps that will be required or may be beneficial to take regarding such funds, and to consider their alternatives.
Source: Reliance-Trust.com , June 2015
DOL Sets Fiduciary Regulation Hearing Dates
Summary: The DOL has announced public hearing dates of August 10-12, and August 13 if necessary, for its proposed conflict-of-interest (fiduciary definition) regulations.
Source: Ascensus.com, June 2015
Will Investors Benefit From a Unified Fiduciary Rule?
Summary: The Department of Labor's proposed rule holding brokers and registered investment advisers to a higher fiduciary standard isn't the slam dunk that many claim. There are two possible problems with one uniform standard.
Source: Institutionalinvestor.com, June 2015
Supreme Court Decision in 401k Case May Have Profound Effect on Fiduciary Debate
Summary: At issue in Tibble v. Edison was whether an ERISA fiduciary has an ongoing duty to manage plan assets for statute of limitations purposes. The Court's ruling, while in line with the recent push toward a higher standard for those rendering investment advice to retail customers, appears to be at odds with the DOL's newly proposed rule expanding the definition of fiduciary under ERISA.
Source: Investmentnews.com (registration may be required), June 2015
Locked Out of Retirement: The Threat to Small Business Retirement Savings
Summary: The DOL is expanding the definition of fiduciary investment advice under a federal law known as ERISA. The result would be that many traditional forms of compensation, such as commissions that vary from one investment to another, for financial advisors could become illegal under special provisions in that law called "prohibited transactions." According to this 13 page paper, a number of aspects of the proposal appear unworkable in actual practice, and would negatively impact how advisors assist small businesses in providing retirement benefits for their employees.
Source: Centerforcapitalmarkets.com , June 2015
Fiduciary Rule Could Impact Brokers the Most
Summary: The proposed fiduciary rule will have a major effect on the retirement industry and brokers could be the most affected group. "They're going to be impacted by this probably greater than anyone else," said Managing Consultant Scott Brogan, one of three BridgePoint Group, LLC panelists that discussed the proposal's potential impacts.
Source: Benefitnews.com, June 2015
DOL Pushing to Finalize Conflict of Interest Rule by May 2016
Summary: The DOL intends to finalize its re-proposed rule defining a fiduciary in May of next year, Groom Law Group Chairman Steve Saxon said on June 8. Saxon made his remarks at the SPARK Institute's annual conference in Washington, DC.
Source: Asppa.org, June 2015
DOL Posts Public Comments on Proposed Fiduciary Rule
Summary: The DOL has created a page on its website that lists and links to the comments it has received on it's proposed fiduciary rule. The comment period is scheduled to run through July 20, so additional comments will be posted.
Source: Dol.gov, June 2015
The Impact of the DOL's Fiduciary Proposal on Sales of Insurance Products
Summary: This paper explains the basis for the conclusions about the impact of the Department of Labor proposal to amend the fiduciary investment advice regulation and the prohibited transaction exemptions for sales of insurance products to plans, participants and IRAs.
Source: Drinkerbiddle.com, June 2015
A Fiduciary Throwdown in D.C.
Summary: The Bipartisan Policy Center convened what at least one participant termed a "policy wonk throwdown" in the nation's capital May 27. The subject? The Department of Labor's fiduciary proposal. The actual title of the event was "Champions, Critics and Consequences of a New Fiduciary Standard," and it covered all that ground and more.
Source: Napa-net.org, May 2015
FINRA Chief Pans DOL Fiduciary Proposal
Summary: Richard Ketchum voices support for SEC to move on a uniform fiduciary standard for brokers and advisors, while warning of unintended consequences from DOL's proposal.
Source: Financial-Planning.com, May 2015
The Fiduciary Hierarchy
Summary: There is a hierarchy of service models available in the 401k marketplace. Each of which offers Plan Sponsors a different level of support with regard to investment selection and monitoring. Here is a brief description of each in the order of lowest to highest fiduciary protection.
Source: Retirementplanblog.com, May 2015
Former Employee Plan Participants: What Is in Their Best Interest?
Summary: Given the large impact excessive fees can have on former participant IRA rollovers, sponsors are beginning to evaluate potential solutions to address these issues and to assist their former employees. Regardless of employment status, companies and their retirement committees want current and former employees to be able to stay on a path toward a successful retirement. Article discusses of what some sponsors are currently doing and a few ideas concerning future changes within the industry that should help protect former employees' retirement savings.
Source: Milliman.com, May 2015
Proposed Fiduciary Definition Regulations Will Impact Investment Adviser Practices
Summary: One result of the proposed regulations and accompanying prohibited transaction exemptions is the "ERISAfication" of IRAs. Because of the significant changes in operation that might be required for investment advisers and other plan consultants, it is important to anticipate how these proposals could impact current practices.
Source: Faegrebd.com, May 2015
What's the Difference Between "Sole" Interests and "Best" Interests?
Summary: So what is the difference between "sole" interest and "best" interest? And why does it matter? Fi360 CEO Blaine Aikin looks at this distinction and asks whether some conflicts are what's "best" for investors.
Source: Fi360.com, May 2015
Lawmakers Ask DOL's Perez to Extend Fiduciary Comment Period
Summary: Lawmakers asked Labor Secretary Thomas Perez in two separate letters this week to extend by another 45 days the comment period on the Department's redraft of its rule to amend the definition of fiduciary under ERISA. Fiduciary advocates tell Perez to rebuff requests.
Source: Thinkadvisor.com, May 2015
Retirement in America: The Fiduciary Definition in Context
Summary: The DOL recently proposed new regulations to address the changing times and to help eliminate conflicts of interest in retirement planning and investing. This 13 page white paper take a look at the bigger retirement picture, and consider how the DOL's proposal may affect retirement preparation in the United States.
Source: Mtrustcompany.com , May 2015
Schwab CEO: Better That DOL Goes First on Fiduciary Rule
Summary: Like most financial industry officials, Charles Schwab Corp. president and chief executive Walter Bettinger II wants the DOL and the SEC to coordinate their efforts on raising investment advice standards for brokers. But, he's afraid that DOL and SEC could end up with two different standards, and that would confuse the public.
Source: Investmentnews.com (registration may be required), May 2015
The New Fiduciary Advice Regulation and Its Likely Impact on Advisors
Summary: The proposed fiduciary definition changes are so great that advisors should be aware of them now and perhaps begin adapting their practices to the anticipated changes. This article discusses the DOL proposal and the exemption for commissions (and, possibly, rollovers) and their likely impact on advisors.
Source: Hartfordfunds.com, May 2015
Impact of Updated Fiduciary Investment Advice Definition on Large Plans
Summary: The proposed DOL fiduciary regulations are expected to have a transformational impact on the retirement landscape. The most fundamental effects of the proposed regulations will be on small plans and IRAs, as well as their investment advisers, consultants or other service providers. However, the proposed regulations will also impact the landscape for large retirement plans in various ways as outlined here.
Source: Kilpatricktownsend.com, May 2015
What Does Retirement Plan "Best Interests" Really Mean
Summary: The DOL asserts the new fiduciary rule will require brokers to act in the "best interest" of the clients they serve, whether they be institutional or individual. But the DOL never really defines exactly what "best interest" means. Author canvassed retirement plan service providers from coast to coast to see if he could discover the phrase means.
Source: Fiduciarynews.com, May 2015
Are You My Fiduciary?
Summary: When the DOL's proposed fiduciary regulation becomes effective, plan sponsors, IRA owners and plan participants should be asking, "Are You My Fiduciary"? Understanding whether or not the protective wing of a fiduciary pertains to the plan or IRA will require an analysis of both the proposed expansion of the rule and its complex exceptions.
Source: Benefitsbryancave.com, May 2015
What the DOL Fiduciary Proposal Means for Banks
Summary: The DOL issued a draft proposal earlier this month that would require financial advisers to provide retirement savings advice that is in a customer's "best interest" in an effort to minimize conflicts of interest. This article lays out some frequently asked questions about the rule, including why it's important for bankers.
Source: Financial-Planning.com, May 2015
Five Ways the DOL Could Improve Its Fiduciary Proposal
Summary: Objective observers should conclude that it is too early to tell exactly how this complicated fiduciary proposal will affect the advice market. But it is, in fact, a proposal, not a final rule, and public comments may bring about some needed clarifications and changes. Here is the author's list of five steps the DOL could take to improve the proposal.
Source: Pensionsbenefitslaw.com, April 2015
Senate Democrats Push Back on DOL Fiduciary Plan
Summary: The Obama administration plan to tighten rules on brokers is facing blowback from the president's own party. Key Senate Democrats met this week with Labor Secretary Tom Perez to argue that his plan could backfire and make it harder for consumers to get investment advice.
Source: Thinkadvisor.com, April 2015
Department of Labor Issues Sweeping Fiduciary Rule Proposal
Summary: Labor Secretary Thomas Perez described the sweeping proposal as follows: "This boils down to a very simple concept: if someone is paid to give you retirement investment advice, that person should be working in your best interest." Yet, the more than 120-page proposed rule is far from simple. Its requirements and impact on access to advice about retirement savings accounts are far from certain.
Source: Littler.com, April 2015
Execs See Fiduciary Proposal as Complicated, Costly
Summary: Early assessments of the Department of Labor's fiduciary proposal find the new rules will be complicated to implement and costly for the industry, according to wealth management executives. Answering questions during recent earnings calls, industry CEOs and other leaders found themselves peppered with questions from analysts asking about the impact a new rule may have on the bottom line.
Source: Financial-Planning.com, April 2015
DOL Not Budging on Fiduciary Rule Comment Period
Summary: Labor Secretary Thomas Perez indicated Thursday that his department will not extend further the 75-day comment period for its redraft to amend the definition of fiduciary under the Employee Retirement Income Security Act.
Source: Thinkadvisor.com, April 2015
The New Fiduciary Regulation Proposal, Part I: All It Was Cracked Up to Be?
Summary: This five page document gives a quick outline of what the DOL's new fiduciary proposal does, along with our first impressions. It concludes that "the industry are approaching the proposal with caution and, perhaps, some level of optimism."
Source: Ihflaw.com , April 2015
Re-Proposed Definition of a Fiduciary Widely Prohibits Personalized Investment Assistance
Summary: The framework set up by the DOL could work conceptually, but in its current form, it would have the same effects as the original 2010 proposal -- cutting off the option for low and middle-income individuals and small businesses to receive personalized investment assistance.
Source: Davis-Harman.com , April 2015
Will Brokers Bow to Higher Fiduciary Standard?
Summary: One of the most hotly debated topics in wealth management is the role of the stockbroker. The DOL entered the fray by unveiling a plan to make registered representatives of brokerages meet the same standard as those overseeing client accounts at registered investment advisers. Still, any shake-up hinges on politics, with lobbyists for the brokerage industry seeking to soften the blow.
Source: Institutionalinvestor.com, April 2015
Why Exactly DOL's Latest Action Is So Shocking to So Many Brokers
Summary: The DOL unveiled its much anticipated conflict of interest rule for retirement investment advice. The financial services industry has been anticipating stiff 401k rules for years. Even so, the 120-page proposed rule was a shocker, carrying an IRA bombshell and a brand new "best interest standard" for brokers.
Source: Riabiz.com, April 2015
DOL Reproposes Fiduciary Rule for ERISA Plans and IRAs
Summary: The DOL issued a proposed rule defining the term fiduciary for investment advisers and brokers providing investment advice to participants or beneficiaries of ERISA-governed employee benefit plans and IRAs. The DOL also issued several new and amended versions of prohibited transaction exemptions in connection with the proposed rule. This is a comprehensive overview.
Source: Practicallaw.com, April 2015
Captrust's May Fiduciary Update
Summary: This quarter saw continuing activity in the area of cases involving plan and investment fees. Plan fiduciaries settled two significant cases and follow-on cases against Fidelity concerning float income practices were dismissed.
Source: Captrustadvisors.com, April 2015
DOL Proposes New Fiduciary Rule for Retirement Advisors
Summary: The DOL published its long awaited proposed rule addressing conflicts of interest in retirement advice. This is an overview of the proposed rule prepared by the Wagner Law Group.
Source: Wagnerlawgroup.com, April 2015
DOL's Fiduciary Proposal Preserves Advice -- But at What Cost?
Summary: While initial concerns about preserving the ability for 401k participants to work with the advisor of their choice on rollovers appear to be addressed in the new DOL fiduciary proposal, the new compliance regimen looks, according to the author, to be significant, adding cost and complexity to the process.
Source: Usaretirement.org, April 2015
DOL Seeks Comments on Proposed Retirement Advice Rule
Summary: While much of the concerns behind the DOL's fiduciary rule proposal involve conflicted investment advice to individual retirement account holders, the sweeping rule would also change how advice is provided to participants in 401k and other defined contribution plans.
Source: Shrm.org, April 2015
Game Changer: A First Look at the DOL's 2015 Conflict Of Interest Proposal
Summary: The retirement plan industry has been waiting for an updated definition of fiduciary regulation from the DOL since 2010. On April 14, 2015, we got it and, at first glance, it's a game-changer. The purpose of this article is to provide a technical, "first glance" overview of the proposal and some early thoughts about possible ramifications.
Source: Napa-net.org , April 2015
A First Look at the DOL's Revised Fiduciary Rule
Summary: U.S. Secretary of Labor Tom Perez introduced the DOL's proposed new fiduciary rule which will expand the types of retirement investment advice covered by fiduciary protections. Here is our first look at the proposal.
Source: 401khelpcenter.com, April 2015
SEC's Commitment to Tougher Broker Rules Questioned
Summary: The Institute for the Fiduciary Standard said Thursday it has doubts about the SEC's ability to formulate a fiduciary standard that will protect the interest of Americans trying to save for retirement.
Source: Benefitspro.com, April 2015
Mary Jo White's Support Nudges Fiduciary Standard Forward
Summary: The SEC Chief says she favors a standard that covers all retirement plan advisers. Plan sponsors are hopeful, despite the difficult politics.
Source: Institutionalinvestor.com, March 2015
NAPA Adopts Proactive Stance Against Fiduciary Standard
Summary: Brian Graff, executive director and CEO of NAPA, says that the retirement business has at long last come onto Washington's radar, but the increased scrutiny is exposing a series of long-standing biases against retirement advisers that he fears will ultimately make it difficult for them to provide assistance to employees who need it the most.
Source: Benefitnews.com, March 2015
SEC Aligns With White House on Need to Address Fiduciary Standards
Summary: SEC Chair Mary Jo White confirmed March 17 that the Commission will "implement a uniform fiduciary duty for broker-dealers and investment advisors where the standard is to act in the best interest of the investor."
Source: Asppa.org, March 2015
SIFMA Claims White House Figures on DOL Rule Flawed
Summary: The White House is using flawed methodology to assert that abusive trading practices are costing U.S. investors up to $17 billion a year in retirement savings, according to a report released by a Wall Street group that opposes toughening rules on brokers.
Source: Investmentnews.com, March 2015
Wall Street Seeks Wedge in Fight Against 401k Rules
Summary: There's a gap between the White House and Wall Street's main regulator over a push to tighten broker rules. To the investment industry, it's an opening to exploit.
Source: Benefitspro.com, March 2015
Bill Would Require DOL to Defer Release of Fiduciary Definition
Summary: Rep. Ann Wagner has introduced the Retail Investors Protection Act which would require the DOL to defer release of new fiduciary regulations until the SEC issues fiduciary regulations first.
Source: Ascensus.com, March 2015
Supreme Court Could Take on Case Involving Fiduciary Burden of Proof, Damages
Summary: The Supreme Court signaled its interest in taking a case questioning whether fiduciaries bear the burden of proof and whether they can be liable for monetary damages. In orders issued Monday, the Supreme Court asked for the solicitor general's opinion before deciding whether to grant the petition for review.
Source: Pionline.com, March 2015
DC Execs Expecting Big Changes From Obama Push On Fiduciary Standard
Summary: With President Barack Obama now leading the charge, a multiyear battle to update a fiduciary standard for anyone giving retirement investment advice has defined contribution plan executives and service providers bracing for big changes.
Source: Pionline.com, March 2015
The Blindsided Fiduciary: Ignorance Is Not Bliss
Summary: Alliance Bernstein recently released the shocking result of a survey it had taken of plan sponsors: a whopping 37% of those fiduciaries surveyed didn't know that they were fiduciaries. It is possible to be an ERISA fiduciary and not know it, because no acknowledgement of fiduciary status is required. Article has a short checklist of people who are or are not fiduciaries.
Source: Pensionsbenefitslaw.com, February 2015
SEC's Gallagher: Fiduciary Rulemaking a "Runaway Train"
Summary: The DOL's much-anticipated fiduciary reproposal drew intense criticism Feb. 20 from SEC Commissioner Daniel M. Gallagher. Gallagher's comments, made at the "SEC Speaks in 2015" event, were particularly harsh. Not only regarding the potential impact of the DOL's proposed extension of ERISA's fiduciary definition, but also on the process undertaken thus far in pursuit of its implementation.
Source: Napa-net.org, February 2015
President to Move Fiduciary Rule Forward
Summary: President Barack Obama is expected to announce the DOL's proposed fiduciary rule is officially under review at the Office of Budget Management. The proposed rule would require advisors overseeing retirement plans to act under a fiduciary standard, putting client interests ahead of all other considerations when making investment recommendations.
Source: Wealthmanagement.com, February 2015
SEC Chief to Break Her Silence on Fiduciary in 'Short Term'
Summary: SEC's Mary Jo White said Friday that she would speak about her position regarding a rule to put brokers under a fiduciary mandate "in the short term," stating that it remains a priority of hers "to get the Commission in a position to make that decision" on such a rule. SEC has been providing "technical assistance" to the DOL on its fiduciary rulemaking.
Source: Thinkadvisor.com, February 2015
U.S. Chamber Examines Potential Harmful Impact of Fiduciary Regulation on Investors
Summary: In anticipation of the DOL's re-proposal of the definition of fiduciary regulation, the U.S. Chamber of Commerce's Center for Capital Markets Competitiveness and Labor, Immigration and Employee Benefits division released a white paper on the potential negative, unintended consequences of broadening the current definition of fiduciary.
Source: 401khelpcenter.com, February 2015
The Future of Outsourcing 3(16) Fiduciary Services
Summary: With the popularity of fiduciary outsourcing there has been a significant wave of new companies who will take on these delegated rolls, and recently, there has been a surge in the 3(16) Plan Administrative space. The focus of this article is on the 3(16) Plan Administrative fiduciary.
Source: Tparesources.com, February 2015
The Uninsured Fiduciary: Have You Read the Fine Print in Your Policy?
Summary: If you are a plan fiduciary and your company has purchased fiduciary liability insurance, you and your board may have simply assumed that the policy would cover any fiduciary breach. A decision just issued by a Pennsylvania court denying coverage to CIGNA is a wakeup call to carefully review such policies to determine what they do and do not cover.
Source: Pensionsbenefitslaw.com, February 2015
The Different Roles Your Plan's Advisor May Play
Summary: Is your advisor a fiduciary or a co-fiduciary for your plan? Or, is your advisor refusing to assume any fiduciary role? Is your business liable for your retirement plan's investment decisions? Is your investment advisor, your plan's investment manager? These can be confusing roles with very different impacts to your organization's retirement plan.
Source: Belr.com, February 2015
How to Satisfy the Fiduciary Duties of Your 401k Plan
Summary: If your organization sponsors a 401k or qualified retirement plan, then, as a plan trustee, you are legally responsible for the decision-making surrounding the plan. These fiduciary duties are something many plan sponsors aren't aware of. But even if trustees recognize them, they usually don't understand what the responsibilities entail.
Source: Sbnonline.com, February 2015
New Best Practices Aim to Codify Advisors' Fiduciary Duty
Summary: A coalition of fiduciary advocates has unveiled a set of best practices for advisors that they envision could eventually become an industry certification, providing consumers with an easily recognizable designation that a financial professional is bound to act in their best interest.
Source: Onwallstreet.com, February 2015
The White House Puts Its Best Obamacare Minds Behind Cleaning Up the 401k Business
Summary: It took forever to come but The White House has endorsed a very intense fiduciary standard with a withering attack on the way financial advice is currently applied to the savings of retirees.
Source: Riabiz.com, January 2015
Fiduciary Best Practices Proposed
Summary: The Institute for the Fiduciary Standard has proposed eleven "Best Practices" fiduciaries should meet to serve the best interest of their clients. They are reproduced here and the Institute is seeking comment.
Source: 401khelpcenter.com, January 2015
NAPA Takes Position Against DOL's Fiduciary Rule
Summary: This month, the DOL is expected to propose a "fiduciary rule" for financial advisors that provide investment advice to retirement plans. It is the authors opinion that, "when you pay a financial advisor for investment advice, they should work in your best interest and not theirs." But, a growing number of powerful industry groups disagree.
Source: Employeefiduciary.com, January 2015
Why Brokers Should Be Bound to a Fiduciary Duty
Summary: It would be highly controversial for Obama to impose the higher legal standard, called a fiduciary duty, on brokers. Wall Street will hate the requirement that brokers act solely in a client's interest or risk getting sued, and will probably ask Congress to overturn it.
Source: Benefitspro.com, January 2015
Can a Fiduciary Duty for Investment Advisers Co-Exist With Commissions?
Summary: Legislative and regulatory consultant Duane Thompson writes, "Given the premise that a fee arrangement is inextricably bound with the fiduciary standard, it would seem logical to assume that a salesperson working on commission cannot be a fiduciary. However -- spoiler alert -- you would be wrong. That is not to say that working on a commission basis and serving the client's best interest is an easy thing to do -- it's just far more difficult, at least in legal terms."
Source: Kitces.com, January 2015
White House Memo Offers a Peek at DOL Fiduciary Strategy
Summary: The White House believes that many retirement plan participants aren't adequately protected from advisors with conflicts of interest. That's why President Barack Obama's chief economic advisor supports the DOL's effort to amend the definition of fiduciary in retirement plans.
Source: Thinkadvisor.com, January 2015
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President Obama is often faulted, rightly so, for not keeping his campaign promises. That can be a good thing, because one of the few pledges he has kept makes us poorer with every flip of the light switch.
Mr. Obama outlined his anti-carbon dioxide scheme to The San Francisco Chronicle in 2008: "Under my plan of a cap-and-trade system, electricity rates would necessarily skyrocket." He explained, with a certain glee, that power plants that use an affordable fuel, such as coal or natural gas, will have to install expensive new equipment to comply with unattainable standards. "That will cost money," he said. "They will pass that [cost] on to consumers." It's happening.
The Bureau of Labor Statistics reports that the price of electricity jumped to a record 14.3 cents per kilowatt-hour in June, compared to 12.4 cents per kilowatt-hour when he took office. That 1.9 cent jump may not sound like much, but it costs an average customer an extra $205 per year.
But Mr. Obama is not done yet with his transformation of the electric grid. The Environmental Protection Agency's carbon-dioxide limitations for power plants announced in June have yet to be applied. Combined with EPA rules upheld by the Supreme Court in April, this will make 68 coal plants go dark. Curtailing the supply of electricity in this way means electricity prices will necessarily "skyrocket," as Mr. Obama predicts.
Coal generates 39 percent of America's electric power, natural gas 27 percent and nuclear 19 percent. Every other source of electricity amounts to little more than an asterisk on the charts of the U.S. Energy Information Administration. Hopelessly inefficient and expensive, solar panels and windmills struggle to contribute just 4 percent to the power grid, despite generous government subsidies.
Nearly twice as much electricity is generated through landfill gas and the burning of trash than through the use of solar panels, but Mr. Obama and his Hollywood and Manhattan pals aren't interested in this important source of renewable energy. Garbage dumps stink, and who wants to tour one? This administration must protect its image, so it has invested the public treasure in fashionable solar startups, such as Solyndra and Abound Solar, which threw great photo-ops before going belly-up.
The price of presidential fashion falls hardest on the poor. In addition to the $205 a year extra in direct energy costs, the price of every item in the life chain necessarily rises. It costs more to run the air conditioner at the supermarket. It takes more money to keep the lights on at the shop and factory. It costs more to watch TV or read a book.
This is just the way this White House wants it. In his 2008 interview, Mr. Obama said that if a utility wants to build a coal-powered plant on his watch, it can. "It's just that it will bankrupt them," he said, "because they're going to be charged a huge sum for all that greenhouse gas that's being emitted." Mr. Obama has demonstrated that he knows how to hobble an economy, but when America's energy suppliers go bankrupt, so do the American people.

subset: commoncrawl


text:
Action Quotes and Sayings - Page 4
Sorted by: Popularity | Newest First
Action without thinking is worthless.
– Dr T.P.Chia
Submitted by:
Action is the father of success or failure, happiness or misery.
– Dr T.P.Chia
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To get anywhere you must first start somewhere.
Submitted by:
You cannot always wait for the perfect time, sometimes you must dare to jump.
Human beings must have action; and they will make it if they cannot find it.
– Albert Einstein
Action is the foundational key to all success.
– Pablo Picasso
Take time to deliberate, but when the time for action comes, stop thinking and go in.
– Napoleon Bonaparte
What you do speaks so loudly that I cannot hear what you say.
– Ralph Waldo Emerson
After actions and thoughts of anger comes regret.
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Action will overcome hesitation.
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don't come here, do everything online or suffer!!!!!
Use the payment kiosk way faster than the employees!
Check-in to a Cox Solutions Store and head to the Learning Lounge where you can learn how to get the most out of your Cox products and services!


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Bio: Poet. Lyricist. Photographer. Model. Artist. Mother. Wife.
I am a 28 year old Cleveland native. I've been writing for over 19 years, and over the past 5 years, I've been trying my hand at other creative endeavors.
I would love to get some completed songs! I'm terrible at learning instruments t...See Full Bio


text:
Hayward's sure shooting boosts Jazz
Updated: July 8, 2010, 8:43 PM ETCourtesy OrlandoMagic.com
ORLANDO -- The Utah Jazz (2-2) were all smiles as they walked off the court on Thursday.
Not only did they dominate the New Jersey Nets (2-2) from start to finish in a 91-74 blowout victory, but their two featured Summer League stars continued to shine.
Kosta Koufos once again displayed improved confidence and a more developed low-post game as he racked up an efficient 14 points to go along with four rebounds.
Gordon Hayward -- the No. 9 pick in the 2010 NBA Draft -- continued ...
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- Ford: My optimum Grade:A mock draft
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Recently I wrote about the importance of getting most of your bone building nutrients from food and beverages (especially milk) rather than supplements . Well, if calcium, Vitamin D, potassium and riboflavin weren't reason enough for women to drink milk, new research shows that it may also facilitate fat loss and strength gains.
A recent study conducted at McMaster University in Hamilton, Ontario found that non-fat milk was more effective in increasing lean mass and reducing body fat in women who strength train. During a 12-week period, 2 groups of women participated in a supervised, 5-day-a-week strength training program. Within an hour of each exercise session, one group consumed 500 ml of non-fat cow's milk, the other drank 500 ml of a sugar-based energy drink that looked like milk.
While lean mass increased in both groups, the milk drinkers made a greater net gain and lost fat mass, which the "energy drinkers" did not. The milk drinkers also had greater gains in strength.
This research further supports my position that milk is the original sports drink . It not only helps restore glycogen levels and repair muscles with its ideal ratio of complex carbs and protein, it can also help you become leaner. This in contrast to regular sports drinks which are high in simple carbohydrates which spike blood sugar and consequently raise insulin levels, encouraging fat storage rather than fat burning. The protein in milk also takes longer to digest and therefore helps satisfy rather than stimulate your appetite. Finally, it takes more energy (i.e. calories) for your body to digest protein, further facilitating weight loss.
Be Well,


text:
Vienna's Other Guy: She 'Made It Very Clear' She Was Single
- Photo: Starbux/WENN1 of 9
- Photo: Mandatory Credit: FayesVision/WENN2 of 9
- Photo: ABC/Promotional3 of 9
- Photo: FayesVision/WENN4 of 9
- Photo: Matt Sayles/Invision/AP5 of 9
- Photo: Jen Lowery/Splash News6 of 9
- Photo: Jackson Lee/Splash News7 of 9
- Photo: Jen Lowery/Splash News8 of 9
- Prev
The new issue of Us Weekly reports that Vienna Girardi told new fling Gregory Michael she was single -- while her then-fiance Jake Pavelka was 2,000 miles away in Georgia taping "Drop Dead Diva." In an exclusive interview with Us, Michael, 29, says, "She made it very clear they were not together." How did she explain why she was still wearing her $42,000, 2.72-carat Neil Lane engagement ring? "She said it was for the show," adds the "Greek" star.
An insider explains the two met in a crowded limo en route to a Children's Hospital of Orange County event on June 19, and then attended PacSun's Summer Solstice Beach Ballyhoo on June 20 in Santa Monica, where they "were all over each other ... Vienna kept saying, 'I'm a smitten kitten,' and he would say, 'No, that's what I call you!'"
Admits Michael, "I have a fond affinity for her." The 24-year-old former Hooters waitress then dumped Pavelka over the phone June 21, after selling an interview to a tabloid, a source tells Us.
"He was taken aback. It was unexpected," says a source. Adds another insider, "He realized he couldn't be blinded by love anymore and he has no tolerance for infidelity."
To read more about Michael and Girardi's steamy weekend, the sneering comment she made about Pavelka while flirting with Michael, and how Pavelka is finally seeing Girardi for who she really is ("She showed her true colors," he was overheard saying on the Lifetime set), pick up the new issue of Us Weekly, on stands now.
More on Wonderwall:
Was Vienna jealous of Jake's fame?
See what your favorite stars are up to this week
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PHOTOS: Jake and Vienna, the way they were
PHOTOS: Top 16 most scandalous Bachelor splits of all time
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Check out Katy Perry's best posts from Peru during the South American leg of her Prismatic World Tour on this week's Celebs Gone Social.Watch Video »
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Selena Gomez rules New York Fashion Week, plus more of the best behind-the-scene posts from the week on Celebs Gone Social.Watch Video »
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"Real Housewives of OC" star Shannon Beador dishes about her family, her relationship with Vicki Gunvalson and what to expect from the reunion!Watch Video »
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From Heidi Klum and Seal to Ryan Sweeting and Kaley Cuoco, see which stars got tattoos for love.Watch Video »
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Sofia Vergara poses in a revealing neon bikini while her "Modern Family" castmates hit the beach in Australia on Celebs Gone Social.Watch Video »


text:
Hawkeye and B.J. decide to do something about a helicopter pilot who uses natives to gather battlefield bric-a-brac to sell as war souvenirs.
Col. Potter plans to show his all-time favorite Western as a pick-me-up for the company's badly sagging morale.
The surgical teams must somehow cope with a critical shortage of blood during a grueling 18-hour operating session.
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text:
Focus booster is a digital app to help you improve your productivity with the added benefit of measuring your progress as you go.
It is based on the Pomodoro Technique a time management methodology which works on the premise that a fresh mind makes concentrating easier and as a result you complete work faster.
You will become more efficient at your job and have reports to prove it.
To be truly successful with focus booster you need to remove distractions while you are working, but there is always a reward at the end to keep you going, a break! Plus your willpower is not being overly exerted because focus booster takes care of time for you, so you can focus on the task at hand!
Focus booster is a small investment for a gain in time and ultimately money.
focus booster is just $2.99 per month or $29.99 per year (that is two months on us!)
For less than the price of one coffee per month you can learn to manage distractions, find your focus and achieve productivity.Try it now - free


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Book your room at Sheraton Macao Hotel, Cotai Central
Deluxe Room King/TwinMax Occupancy: 4 guests (up to 3 children)
Deluxe Cotai View King/TwinMax Occupancy: 4 guests (up to 3 children)
Executive SuiteMax Occupancy: 3 guests (up to 2 children)
Club Room King/TwinMax Occupancy: 4 guests (up to 3 children)
Deluxe SuiteMax Occupancy: 4 guests (up to 3 children)
Family SuiteMax Occupancy: 4 guests (up to 3 children)
Executive Deluxe SuiteMax Occupancy: 4 guests (up to 3 children)
Get an overview of this hotel4.5-star family-friendly hotel near University of Macau
This family-friendly Cotai hotel is located on the Strip, within 1 mi (2 km) of The Grand Canal Shoppes and Cotai Strip. University of Macau and Macau Olympic Complex are also within 2 mi (3 km).
Hotel Features
Along with 3 restaurants, this hotel has 3 outdoor pools and a full-service spa. Free WiFi in public areas, a free airport shuttle, and a free casino shuttle are also provided. Other amenities include 2 poolside bars, a 24-hour fitness center, and a bar/lounge.
Room Amenities
All 3896 soundproofed rooms provide free WiFi, free wired Internet, and iPod docks. Guests can enjoy deep soaking tubs, and other standard amenities include sitting areas, 24-hour room service, and LCD TVs.Information missing or incorrect? Tell us!
Hotel Amenities
Hotel Amenities
Sheraton Macao Hotel, Cotai Central features a full-service spa, 3 outdoor swimming pools, a sauna, and a steam room. Dining is available at one of the hotel's 3 restaurants and guests can grab coffee at the coffee shop/café. Guests can unwind with a drink at one of the hotel's bars, which include 2 poolside bars and a bar/lounge. A computer station is located on site and high-speed wireless Internet access is complimentary.
Business amenities at this 4.5-star property consist of a 24-hour business center, limo/town car service, and meeting rooms. Event facilities measuring 267827 square feet (24891 square meters) include a conference center and conference space. This luxury hotel also offers a children's pool, a 24-hour fitness center, and spa services. A roundtrip airport shuttle at scheduled times, a casino shuttle, and a ferry terminal shuttle are complimentary for guests. Onsite parking is available (surcharge).
Sheraton Macao Hotel, Cotai Central has designated areas for smoking.
- 24-hour business center
- 24-hour fitness facilities
- 24-hour front desk
- Free airport transportation
- ATM/banking
- Babysitting or childcare (surcharge)
- Bar/lounge
- Barbecue grill(s)
- Breakfast available (surcharge)
- Free casino shuttle
- Children's pool
- Coffee shop or café
- Coffee/tea in lobby
- Computer station
- Concierge services
- Conference center
- Conference space
- Conference space size (feet) - 267827
- Conference space size (meters) - 24891
- Designated smoking areas
- Dry cleaning/laundry service
- Elevator/lift
- Express check-out
- Free ferry terminal shuttle
- Free WiFi
- Full-service spa
- Garden
- Hair salon
- Limo or Town Car service available
- Luggage storage
- Meeting rooms 13
- Multilingual staff
- Number of buildings/towers - 2
- Number of floors - 39
- Number of meeting rooms - 13
- Number of outdoor pools - 3
- Number of poolside bars - 2
- Number of restaurants - 3
- Pool cabanas (surcharge)
- Pool sun loungers
- Porter/bellhop
- Sauna
- Self parking (surcharge)
- Free shopping center shuttle
- Shopping on site
- Spa services on site
- Spa treatment room(s)
- Steam room
- Supervised childcare/activities (surcharge)
- Total number of rooms - 3896
- Tours/ticket assistance
- Valet parking (surcharge)
- Wedding services
- Year Built 2012
Family Friendly Amenities
- Babysitting or childcare (surcharge)
- Children's pool
- Cribs/infant beds (complimentary)
- Free Wi-Fi
- In-room childcare (surcharge)
- Outdoor pools
- Refrigerator
- Soundproofed rooms
Available in all rooms: Free WiFi , Free wired high-speed Internet
Available in some public areas: Free WiFi
Self parking (surcharge), Valet parking (surcharge)
Room Amenities
- Air conditioning
- Bathrobes
- Blackout drapes/curtains
- Climate control
- Free bottled water
- Free toiletries
- Connecting/adjoining rooms available
- Free cribs/infant beds
- Daily housekeeping
- Deep soaking bathtub
- Desk
- Free WiFi
- Free wired high-speed Internet
- Hair dryer
- Hypo-allergenic bedding available
- In-room childcare (surcharge)
- In-room safe (laptop compatible)
- iPod docking station
- Iron/ironing board
- Minibar
- Pay movies
- Phone
- Pillow menu
- Premium bedding
- Premium TV channels
- Private bathroom
- Refrigerator
- Room service (24 hours)
- Satellite TV service
- Separate bathtub and shower
- Separate sitting area
- Slippers
- Soundproofed rooms
Where to Eat
Breakfast is available for a surcharge and served each morning between 6:30 AM and 10:30 AM.
Feast - World Flavor - This buffet restaurant specializes in international cuisine and serves breakfast, lunch, and dinner. A children's menu is available.
Xin - Asia Hotpot - This theme restaurant specializes in Chinese cuisine and serves lunch and dinner. Guests can enjoy drinks at the bar.
Bene - Italian - Overlooking the garden, this restaurant specializes in Italian cuisine and serves lunch and dinner. Guests can enjoy drinks at the bar.
Late night fare is available from 24-hour room service.
Nearby Things to Do
3 outdoor swimming pools are on site along with a children's pool. Other recreational amenities include a sauna, a steam room, and a 24-hour fitness center.
- Golfing nearby
Spa Services
Shine has 15 treatment rooms including rooms for couples. Services include massages, facials, body wraps, and body scrubs. The spa is equipped with a sauna and a spa tub. A variety of treatment therapies are provided, including hydrotherapy and thalassotherapy.
- Number of treatment rooms 15
- Couples treatment rooms
- Manicures and pedicures
- Body wraps
- Body scrubs
- Thalassotherapy treatments
- Hydrotherapy treatments
- Sauna in spa
- Spa tub in spa
- Massages
- Body treatments
- Facial treatments
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessible bathroom
- In-room accessibility
Hotel Policies
Check-in time starts at 3 PM
Minimum check-in age is 18
Special check-in instructions:
Check-out time is 11 AM
Payment types
Children and extra beds
- Children are welcome.
- Kids stay free! One child under 12 years old stays free when using existing bedding.
- Rollaway/extra beds are available for MOP 275 per night.
- Free cribs (infant beds)!
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
Only service dogs are allowed
Optional extras
- Breakfast fee: MOP 198 per person (approximately)
- Self parking fee: MOP 180 per day
- Valet parking fee: MOP 300 per day
- Rollaway bed fee: MOP 275 per night
We should mention
Reservations are required for massage services and spa treatments. Reservations can be made by contacting the hotel prior to arrival, using the contact information on the booking confirmation. One child 12 years old or younger stays free when occupying the parent or guardian's room, using existing bedding. The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation.


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High school soccer: Defensive instincts, follow through boost Park City in 3A semifinals
Ravell Call, Deseret News
SANDY — Park City keeper Skye Mooney had made every save possible against Ogden. She finger-tipped a one-on-one attempt, deflected several straightaways and turned back eight corner-kick opportunities. Not to mention, she stoned a well-placed penalty kick, too.
But, it was the one that nearly got away that proved to be the highlight of the season for the Miners in their 1-0 victory over Ogden in the 3A semifinals on Friday.
Trailing by a single goal, Ogden's Avery Calton, who entered the match at Jordan High Friday with 18 goals, ballooned a shot over Mooney as the two collided, well ahead of the rest of the pack. As Calton pulled herself from the turf she had an empty net square away.
However, charging from the 35-yard line, sophomore defender Paula Garcia pushed forward and met Calton between the posts and ultimately prevented the goal that was closer than a fresh shave.
"I just saw the ball rolling really slowly to the goal and I was like, 'they can't score' and I just sprinted," Garcia said. "I was happy once it was over."
From that point forward, Park City (17-0-2) staged off an aggressive surge from the top ranked Tigers (17-1) for the final 15 minutes to end Ogden's 33-game winning streak and advance to the 3A state championship Saturday at Rio Tinto Stadium against Snow Canyon (15-2) at 1:30 p.m.
"Defensive instincts and following through on the play," Park City coach Chip Cook said of the save. "Everything they've been taught their whole lives with soccer — never give up on a play. She followed through and thank you, Paula."
Mooney, who recorded her 10th shutout of season, quickly praised Garcia, too.
"It was amazing," she said. "She was awesome – that's the whole team committing right there. That's Paula just being there."
At the 16-minute mark, Park City's Jessica Dancy snuck behind the Ogden defense and feathered a blooper into the lefthand corner for the 1-0 advantage. It was Dancy's 16th netter of the year.
The goal marked the first time Ogden, the defending 3A champs, trailed since Aug. 27 and was just the seventh goal allowed all season.
"I'm feeling ecstatic to be moving onto the finals. This has been a great team all year. They've never given up once," Cook said. "This was a strong Ogden team and we had to fight for this win and like they've been doing all year they did.
"These girls have had a never-say-die attitude all year — we just love them for it. We're excited to get back to Rio Tinto and proud to have beaten Ogden because they were the best team in the state."
Mooney, after containing the second highest scoring team in 3A, the fourth leading scorer in the state, and more importantly avenging a semifinal loss to Ogden last season, struggled containing her emotions.
"I'm really happy," she said. "We had this game last year and we lost — I'm just so stoked right now. I'm so proud of the team, it wasn't our cleanest game, but we made it happen. We're ready for (Saturday)."
Email: firstname.lastname@example.com
Twitter: @tphibbsami
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Courtyard By Marriott Junction City
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Day 4
... from CT and James was the third from NJ.
A few hours after lunch we finally started to see the Rocky Mountains off in the distance and the prairies gave way to more rugged land. We arrived in Denver around 5:15, by far the earliest we'd succeeded in stopping for the night.
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We are in Abilene, Kansas tonight and it is hot, like seriously hot. Like hotter than Vegas hot. Kansas is exactly like I imagined with miles and miles of prairie, farmland and a lot of space. However it is hot- today the temps hit 109 degrees. Not kidding. I got a picture of 106 temperature from The Weather Channel but it was so hot my phone's internal thermometer kept telling me it couldn't work in this heat- so excuse the lack of water park pictures. We left our hotel earlier ...
Kit and Shaw's House (By Oriah)
Shaw and Kit's was awesome. I really wish we could go there again. I really enjoyed the water balloon fight, playing in the sandbox, playing with their cats and dogs. They were super fun to play with and very nice, they let us play with their stuff, sleep in their room and fed us delicious food. Emi and Amaya were fun to play with. By ...
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- BUZZ-Hunting Plc: Low oil prices take bite out of H1 results Reuters - UK Focus - Thu, Aug 27, 2015 08:27 BST
** Oilfield services company's shares nosedive as much as 7 pct to 402p after it reported a 79 pct fall in H1 underlying profit and cut its dividend in half ** H1 rev fell 30 pct and co cut jobs and took ...
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Global markets turned in another wild day on Wednesday. Follow along on our live blog for the latest news and analysis.
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FTSE 100 falls for most of the day as China woes continue
- Will Black Monday roll into an even worse Tuesday? Chinese markets plunge further Telegraph - Tue, Aug 25, 2015 08:12 BST
Latest news as aftershocks of 'Black Monday' reverberate through global markets with Chinese exchanges still struggling
- As it happened - Black Monday: global stock markets crash Telegraph - Tue, Aug 25, 2015 08:12 BST
Latest news as aftershocks of 'Black Monday' reverberate through global markets with Chinese exchanges still struggling
- BUZZ-Admiral Group: Flurry of target price hikes post positive H1 Reuters - UK Focus - Thu, Aug 20, 2015 10:06 BST
** Motor insurer Admiral wins heavyweight brokerages' trust on better-than-expected first half earnings ** Brokerages including Barclays, Credit Suisse, Deutsche Bank and Canaccord Genuity raise TP on ...
- BUZZ-Lonmin: at record low, RBC cuts PT Reuters - UK Focus - Tue, Aug 18, 2015 10:24 BST
** Platinum miner Lonmin's shares down 4.9 pct to a record low following a price target cut at RBC Capital Markets ** Share suffer a 6th straight day of losses ** RBC cut PT on stock to 35 pence and keeps ...
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Countrywide Plc (Other OTC: CTYWY - news) , the UK's largest real estate agent by revenue, forecast a slight decline in housing deals this year as uncertainty around the UK budget and the Greek crisis holds back a housing market recovery. The owner of agencies such as Bairstow Eves and Hamptons International also reported …
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Markets around the world reacted strongly Monday to the latest twists and turns in the drama playing out in Greece.
- European shares fall, Greek weekend debt talks prompt caution Reuters - UK Focus - Fri, Jun 26, 2015 09:16 BST
European stocks fell on Friday, with investors discouraged by a lack of progress in Greek debt crisis negotiations heading into crunch talks at the weekend. Greece failed again to clinch a deal with its ...
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Diageo shares soar to the top of the FTSE 100 on reports Jorge Paulo Lemann is eyeing a takeover bid
- Imagination Technologies jumps on bid hopes Telegraph - Mon, Jun 1, 2015 19:21 BST
Analysts at Liberum say Imagination Technologies could now become an acquisition target and Apple is among the possible suitors.
- British FTSE's advance hindered by drops in Hikma, Lloyds Reuters - UK Focus - Mon, May 18, 2015 17:00 BST
Britain's top share index nudged higher on Monday thanks to gains in major mining companies but it was held back by falls in Lloyds and pharmaceuticals company Hikma. The FTSE 100 index gave up strong early gains to trade up just 8.38 points, or 0.1 percent higher, at 6,968.87 by the close. The FTSE 100 is up by around …
- Britain's FTSE edges lower as Hikma, Lloyds fall Reuters - UK Focus - Mon, May 18, 2015 15:16 BST
Britain's top share index pulled back on Monday as a drop in Hikma shares helped drag the index away from near record highs, despite support from major mining companies. The FTSE 100 index gave up early ...
- Britain's FTSE near record high; Hikma's loss holds index back Reuters - UK Focus - Mon, May 18, 2015 12:56 BST
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- Latin America gives credit checker Experian a boost Reuters - UK Focus - Tue, May 12, 2015 17:28 BST
Signs of growth in Latin America helped push shares in Experian Plc (Other OTC: EXPGF - news) , the world's biggest consumer credit checking agency, higher on Tuesday even though its full-year profits were hit by foreign currency moves. The information services company, best known for running consumer credit checks for …
- How the FTSE performs before and after general elections Telegraph - Fri, Apr 10, 2015 16:05 BST
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Which is better for the environment, an e-reader or paper books?
Sep 7, 2010
Easy Answer: It depends on how much you read and where you get your paper books....
The secret life of Howard Hughes
Sep 3, 2010
Author Douglas Wellman talks with Bill Radke about his new book, "Boxes: The Secret Life of Howard Hughes," which claims billionaire Howard Hughes lost his money and still lived happily for a lot longer than you think.
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The days of the150-lb, 20-volume Oxford English Dictionary are numbered. This week, Oxford University Press announced it's just too expensive to...
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it claims to carry 90% of "core textbooks". So instead of sinking hundreds of dollars on textbooks that you have to lug around, you just zap them...
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Aug 3, 2010
Connecticut's Attorney General announced an investigation into Amazon and Apple's potential anti-competitive pricing of e-books.
How the working poor became big biz
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An oath for MBAs to be better leaders
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What you should and shouldn't drink
Jun 7, 2010
David Zinczenko, editor-in-chief of Men's Health, talks with Kai Ryssdal about his new book, "Drink This, Not That!," and why beverages were made so fatty in the first place.


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hewlett-packard co (HPQ*:Mexico)
hewlett-packard co (HPQ*) Snapshot
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12/26/14 - $599.38
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10/15/14 - $424.70
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hewlett-packard co (HPQ*) Details
Hewlett-Packard Company, together with its subsidiaries, provides products, technologies, software, solutions, and services to individual consumers and small- and medium-sized businesses (SMBs), as well as to the government, health, and education sectors worldwide. The company's Personal Systems segment offers commercial personal computers (PCs), consumer PCs, workstations, thin clients, tablets, retail point-of-sale systems, calculators and other related accessories, software, support, and services for the commercial and consumer markets. Its Printing segment provides consumer and commercial printer hardware, supplies, media, and scanning device, as well as laserjet and enterprise, inkjet and printing, and graphics solutions; and software and Web services. The company's Enterprise Group segment offers industry standard servers; business critical systems; traditional storage and converged storage solutions; networking products, such as switches, routers, wireless local area network, and network management products; and support services and technology consulting on cloud, mobility, and big data. Its Enterprise Services segment provides infrastructure technology outsourcing; and application and business services. The company's Software segment offers IT management, application testing and delivery, information management, big data analytics, security intelligence, and risk management solutions for businesses and enterprises; and licensing, support, and professional services, as well as software-as-a-service. Its HP Financial Services segment provides leasing, financing, utility programs, and asset management services, as well as investment solutions to SMBs, educational, and governmental entities. The company's Corporate Investments segment includes HP Labs and cloud-related business incubation projects. Hewlett-Packard Company was founded in 1939 and is headquartered in Palo Alto, California.
Last Reported Date: 12/18/14
hewlett-packard co (HPQ*) Top Compensated Officers
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Autonomy's founder Mike Lynch hit back in his bitter feud with Hewlett-Packard by launching a $160 million counter-claim over allegations of fraud following the illfated $11.1 billion takeover of the company. The technology entrepreneur claimed HP made false and negligent statements about him which led to reputational damage and meant he has been unable to pursue business opportunities since leaving Autonomy. Mr. Lynch claimed talks with potential investors in his new venture Invoke Capital have fallen through as a result. He estimates he would have pocketed at least $160 million through considerable equity gains and fees. HP is suing Mr. Lynch, Autonomy's ex-chief executive, and the company's former chief financial officer Sushovan Hussain for $5.1 billion in one of the large civil lawsuits against British nationals after it wrote down the value of the disastrous acquisition in 2012 by a staggering $8.8 billion.
Hewlett-Packard has announced three new LaserJet printers that deliver increased protection against malicious attacks. HP is delivering its new HP LaserJet Enterprise printers and multi-function printers (MFPs) with security features built in, including HP Sure Start enables detection of and self-healing recovery from malicious BIOS attacks, extending the same BIOS security protecting HP's Elite line of PC's since 2013 to the new HP LaserJet Enterprise printers. White listing ensures only known, good firmware can be loaded and executed on a printer. Run-time Intrusion Detection is a new feature providing in-device memory monitoring for malicious attacks. It as developed in partnership with Red Balloon Security. The new HP LaserJet Enterprise printers and MFPs deliver a fast real world print performance in their class with a fast first page out and dual-sided print speeds as well as low total energy consumption per page. These printers were built for ease of use and include support for printing from mobile devices. Designed for workgroups of 5-15 users printing up to 7,500 pages per month, the printers benefit from the increased performance, protection and print capacity of new HP Original Toner cartridges with Jet Intelligence. The new models includes the HP LaserJet Enterprise M506 series for monochrome printing with a 25% smaller footprint and dual-sided print speeds up to 71% faster than its predecessor. The HP LaserJet Enterprise MFP M527 series, which offers monochrome printing in an MFP that includes single pass, two-sided scanning, an eight-inch color touch screen control panel to support advanced workflow, and first page out speeds up to 33 % faster than its predecessor. The HP Color LaserJet Enterprise MFP M577 series, delivers outstanding color printing in an MFP that includes single pass, two-sided scanning, an eight-inch color touch screen control panel and optional keyboard to support advanced workflow, as well as dual-sided print speeds up to 43% faster than its predecessor. The HP LaserJet Enterprise M506 series will be generally available on October 1 and the HP LaserJet Enterprise MFP M527 and HP Color LaserJet Enterprise MFP M577 series printers will be generally available on November 2.
HP announced the HP Z240 Tower and Z240 SFF Workstations with next generation Intel(r) processors and HP Z Turbo Drive options, raising the bar for entry-level workstations, while providing the reliability of a workstation at the price point of a desktop PC. The Z240 is the latest update to the entry-level workstation, the HP Z230.1 As HP's most affordable workstation, the Z240 is ideal for customers in the video editing, MCAD/AEC, education, public sector and image viewing industries. HP has integrated seven new innovations on the HP Z240 Workstations. An integrated M.2 slot (for expansion cards and connectors on both the SFF and tower) frees up a PCIe slot and provides customers more flexibility and expandability to use HP Z Turbo Drives without having to make a tradeoff on additional graphics cards, an additional HP Z Turbo Drive, or other devices like Thunderbolt(TM). Optional dust filters can be added to both the HP Z240 Tower and Z240 SFF to help reduce the ingress of dust in the system. With up to 47% reduction in dust2, this option provides customers in all work environments where dust is an issue -- from under the desk to dusty manufacturing floors -- with added reliability and longevity. Removed the legacy PCI slot, which is used by less than 2% of customers, from the motherboard and designed a plug-in card for effortless installation for customers that still use the legacy slot. Removing the slot from the motherboard allowed HP to reinvest in other product innovations (M.2 slot, dust filter). Despite adding new features to the motherboard, HP engineering was able to reduce the size of the motherboard on the Z240 Tower by 10% and simplified the cable layouts inside the systems, continuing to push for more efficient product designs. The Z240 Tower now features integrated front and rear handle ledges to enable every customer to easily move and position their system around the office. HP re-engineered the hard drive cage for the Z240 SFF and engineered a custom air duct around the processor, allowing more efficient air flow, enhanced acoustics and a cleaner layout of internal cables. HP integrated ambient temperature sensors on the motherboard of both systems, and increased control of the system fans to include the power supply, giving even better management of system thermals and acoustics, including the power supply (as compared to previous generations). Leveraging innovations originally created for the higher-end HP Z Workstations, the HP Z240 offers more performance, greater storage capacity, more IO and greater flexibility of the previous generations while retaining the same form factor. At 57% smaller than the tower, the HP Z240 SFF conserves space and maintains workstation performance. The Z240 features up to 64 GB DDR4 ECC memory -- a 100% increase in memory capacity compared to previous generations -- for no compromise capacity, performance and reliability. The expanded memory options allow customers to push the limits of design to create larger, more complex models/designs that require larger memory footprints. It also provides customers with more expandability options. The HP Z240 Tower and Z240 SFF offer a choice of future Intel(r) Xeon(r) processor E3-1200 v5 product families, Intel(r) Core(TM), or Intel(r) Pentium(TM) processors3 and two ultra-fast HP Z Turbo Drive G2. The HP Z Turbo Drive allows workstation users to super-charge productivity and creativity of workflows. The Z240 offers a choice of Windows 7, Windows 104 or Linux(r) operating systems. Pricing and Availability: The HP Z240 SFF and HP Z240 are expected to be available in November. Estimated U.S. pricing starts at $879 for either workstation.
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NEW YORK — The Washington Nationals' run of injuries to key players took another turn Tuesday. Outfielder Michael Morse took himself out of Monday night's game with Single-A Hagerstown after the seventh inning and was sent back to Washington to have his strained right lat muscle re-examined.
An injury that began as minor and was expected to cost Morse no more than a few days during the spring now has an indefinite timetable for recovery.
Morse was struggling just to throw the ball back to the shortstop from left field Monday night, Nationals manager Davey Johnson said, and was scheduled to visit with medical director Wiemi Douoguih on Tuesday. He will not be ready by Thursday's home opener as expected, a tough blow for a team that had been expecting to welcome him back to the cleanup spot.
"[The doctors are] concerned about it," Johnson said. "The reports I got, it kind of got progressively worse during the ballgame … [and] he had to leave the game. That's not a good sign.
"I was kind of looking forward to pencilling him in the lineup on Thursday. Obviously, that's not going to happen."
Morse already has had an MRI, a sonogram, a cortisone shot and a platelet-rich plasma injection to speed healing in the area. He traveled to New York on Saturday for treatment from a specialist on the recommendation of teammate Jayson Werth. At the time, Johnson said the trip was a "personal decision" and not something the team had ordered.
Before Thursday, Morse had not played with any regularity since March 6, the day he was first scratched from the Nationals' spring lineup. He did not play the field during the spring, but the issue has never caused him trouble when swinging, only throwing. He hit .417 (5 for 12) during his abbreviated rehab stint, with two doubles and a home run in three games with Double-A Harrisburg and one with Hagerstown.
A sonogram done March 28 revealed that the tear had "flattened out" and healed, clearing the way for Morse to resume baseball activities. Until Monday, though, Morse had not tried to play nine innings in the field. Johnson informed the left fielder last week that in order for him to feel comfortable returning him to the active roster, Morse would have to do so.
"He couldn't," Johnson said. "So that really distresses me."
Johnson was uncertain what the next step might be for Morse. Asked if surgery would be the next option, Johnson was sullen and reserved.
"That's a tough question," he said. "I don't know. I really don't know. … I thought the initial reports we got on his little tear was that it was healed."
Morse is one of four Nationals regulars who began the season on the disabled list, along with center fielder Rick Ankiel, right-hander Chien-Ming Wang and closer Drew Storen. He's also the second of those four to suffer what appears to be a significant setback.
Storen visited with Dr. James Andrews on Tuesday after the tenderness in his elbow that initially was deemed joint inflammation returned when he faced hitters for the first time in his rehab. The Nationals still were awaiting the results of his visit with Andrews on Tuesday evening and feared Storen could be dealing with bone chips in his elbow.
Ankiel (quad) and Wang (hamstring) continued to progress in their rehabs, and Ankiel appears set to return to the active roster as soon as he's eligible April 14.
NOTES: Second baseman Danny Espinosa was not in the starting lineup Tuesday after he took an elbow to the head from Ruben Tejada while covering first base on a bunt in the ninth inning Monday night. Espinosa suffered from initial dizziness but passed a concussion test Monday night. He felt well enough to play, but Johnson decided to hold him as a precaution. Steve Lombardozzi got his first start of the season in his place.