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Oamaru Telegram – issue 362
The new season is bringing us some new things – the Art and Craft Fair Oamaru is starting its Summer season on 1st October alongside the Farmers Market, then every first Sunday in the month.
Expression of interest; We are receiving more and more advertisers requesting colour adverts.. But due to the cost of colour, we need to make sure the pages are fully booked. If you are interested, please send us your details…
Enjoy your week, Regards The Telegram.


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This property is located at 20 High Street in Hitchin.
Ze's Hotel and R'staurant building 's'steeped in h'story, having been built 's a private ho'se and maltin's in the early 18th century, when Baldock w's a favourite watering place on the main Great North Road from London to York. 'su'sequent owne's included the Ind family, founde's of the Ind Coope brewery company. Ze's Hotel and R'staurant 's the perfect place to v'sit for ple'sure or b'sin'ss. Fine food,'superb faciliti's and a country town'setting, j'st 35 minut's from London. Located in the heart of one of Hertfor'shir's old'st tow's, with the tour'st'sit's of London and Cambridge all within e'sy reach. Ze's Hotel and R'staurant offe's the very b'st in Greek and Engl'sh cu'sine, quality en'suite accommodation, excellent b'sin'ss faciliti's and fi'st-cl'ss party catering
Room4U has partnered LateRooms on this property. More photos, reviews and a full list of facilities and room prices are available using the button above.

subset: commoncrawl


text: United and AFA have been in negotiations for a joint post-merger CBA since August 2012. In August 2015, AFA filed for mediation, and the first mediated bargaining session occurred in October. AFA has described United's scheduling proposals as "unacceptable" and "concessionary," while denying that the union is "cherry picking the best of the best." AFA scheduled a "day of action" for December 17, calling on its members to picket at several airports throughout the UA system. AFA also announced that United had rejected its proposal to meet in December without the mediators.


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Creeksong Cabin is a perfect relaxing getaway - private cabin with mountain stream just outside your window, and hiking nearby. Close to Boulder and Indian Peaks Wilderness, one hour to Estes Park and Rocky Mountain National Park.
Studio cabin with double bed, full bath and well-equipped kitchen. Tons of windows and skylights to enjoy the sunshine and forest/creek surroundings.
We have an incinerator toilet because the cabin sits too close to the creek for a conventional septic system. It is easy to operate, but it is important that you read and follow the posted instructions fully and carefully.


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e te iv ap us h cl eC Ex ew i ev Pr r
Help, I'm Rich! Your Compass to a Value-Adding Private Banking Experience
Kees Stoute
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Copyright © 2014 by John Wiley & Sons Singapore Pte. Ltd. Published by John Wiley & Sons Singapore Pte. Ltd. 1 Fusionopolis Walk, #07-01, Solaris South Tower, Singapore 138628 All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise, except as expressly permitted by law, without either the prior written permission of the Publisher, or authorization through payment of the appropriate photocopy fee to the Copyright Clearance Center. Requests for permission should be addressed to the Publisher, John Wiley & Sons Singapore Pte. Ltd., 1 Fusionopolis Walk, #07-01, Solaris South Tower, Singapore 138628, tel: 65–6643–8000, fax: 65–6643–8008, e-mail: firstname.lastname@example.com. Limit of Liability/Disclaimer of Warranty: While the publisher and author have used their best efforts in preparing this book, they make no representations or warranties with respect to the accuracy or completeness of the contents of this book and specifically disclaim any implied warranties of merchantability or fitness for a particular purpose. No warranty may be created or extended by sales representatives or written sales materials. The advice and strategies contained herein may not be suitable for your situation.You should consult with a professional where appropriate. Neither the publisher nor the author shall be liable for any damages arising herefrom. Other Wiley Editorial Offices John Wiley & Sons, 111 River Street, Hoboken, NJ 07030, USA John Wiley & Sons, The Atrium, Southern Gate, Chichester, West Sussex, P019 8SQ, United Kingdom John Wiley& Sons (Canada) Ltd., 5353 Dundas Street West, Suite 400, Toronto, Ontario, M9B 6HB, Canada John Wiley& Sons Australia Ltd., 42 McDougall Street, Milton, Queensland 4064, Australia Wiley-VCH, Boschstrasse 12, D-69469 Weinheim, Germany Typeset in 11.5/14 pt, Bembo Std by Aptara 10 9 8 7 6 5 4 3 2 1
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Foreword Acknowledgments About the Author Part I: Introduction Chapter 1:
Toward a Trusted and Value-Adding Private Banking Industry Part II: Investments
Chapter Chapter Chapter Chapter Chapter
2: 3: 4: 5: 6:
Why Should I Invest? An Investment Approach That Suits You Risks? What Risks? The Essence of Discipline Who Is Managing Your Assets? Part III: Credit
Chapter 7:
Loans—It's about Pursuing Burdensome Opportunities iii
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Part IV: Life Insurance Chapter Chapter Chapter Chapter
8: 9: 10: 11:
Life Insurance—A General Introduction The Rich Also Benefit from Life Insurance Life Insurance—Common Considerations Life Insurance and Your Private Banker Part V: Wealth Structuring
Chapter Chapter Chapter Chapter Chapter
12: 13: 14: 15: 16:
What Is Wealth Structuring? Purposes of Wealth Structuring Wealth Structuring Tools and Vehicles Wealth Structuring—Common Considerations Wealth Structuring and Your Private Banker Part VI: Psychology of Wealth
Chapter Chapter Chapter Chapter
17: 18: 19: 20:
How Wealth Undermines Healthy Wealth Raising Wealthy Children—So Many Obstacles Raising Wealthy Children—It's All about Awareness Psychology and Your Private Banker
Epilogue Appendix Index
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About the Authors
Cornelis Johannes "Kees" Stoute (Westbroek, Netherlands) is the director of Sonam Pte Ltd, which he established in 2012, focusing on private banking training and consultancy. Prior to that, he was the managing director of EFG Bank in South East Asia, which is the Swiss private banking subsidiary of EFG International, one of the larger banking groups in Switzerland by Tier‐1 capital. Kees has a distinguished career spanning the academic, IT and operations, and private banking sectors, and has been based in Asia for almost 19 years, of which most of the time spent in Singapore. In 2011, he became one of the first in Singapore to be certified by the regulator in Singapore (IBF) as a Financial Industry Certified Professional (FICP ‐ Role Model 6) and the inaugural winner of the Hubbis Recognition of Excellence in Asian Wealth Management Award in 2012. Hubbis (Hong Kong) specializes in providing market practitioners in Asian Wealth Management with online content and training. The company provides various content, events, and consulting services to vi a b o u t t hfierms, a uproduct t h o r providers, s private banks, wealth management and industry vendors. Their website, Hubbis.com, which has 80,000 subscribers, is a highly functional and relevant online content portal for anyone who wants to become successful in Asian wealth management. The site is mainly focused on developing people skills, product knowledge, and v understanding of the business of wealth management in Asia.
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Part I
elp, I'm Rich! You might say that the title does not seem to make much sense. Having money means being more independent. Being more independent means that you don't need to rely on others. So why send such a SOS to the world when you are rich? As many rich individuals can testify, being rich comes with challenges—challenges that are much to and by the elp, I'm Rich! Youvery might sayrelated that the titleoften does caused not seem to very fact make that you are rich. As most of these challenges are not unique, much sense. Having money means being more indeit makes apendent. lot of sense to more benefiindependent t from the good andthat badyou experiences of Being means don't need other people who are in a similar situation. to rely on others. So why send such a SOS to the world when you Private banking is the industry that collates these experiences and as are rich? suchAshasmany become helping richrich to address richspecialized individualsincan testify,the being comes these with many chaltypically wealth‐related concerns. However, lenges—challenges that arechallenges very muchand related to and often causedforby this the industry to be able to deliver its value‐adding potential, there has to be very fact that you are rich. As most of these challenges are not unique,a fi trusta base, thattoisbenefi lacking to a large i precisely n t rtofrom d what u cthe t iseems o n to it2rm makes lot ofand sense good andbebad experiences of extent. other people who are in a similar situation. Private banking is the industry thathow collates these experiences as Apart from highlighting why and private banks should addand value such specialized in helping the rich these many 1 to thehas lifebecome of the rich, in this introductory part of to theaddress book we elaborate typically wealth‐related challenges and concerns. However, for this on trust as well as on ways to develop trust. If you understand our view industry to beinable deliverbanking its value‐adding potential, there hasyou to be on how trust thetoprivate industry can be developed, alsoa fiunderstand rm trust base, and that is precisely what seems to be lacking to a large why this book has been written. extent. 16/08/2014
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Chapter 1
Toward a Trusted and Value‐Adding Private Banking Industry
Client skepticism toward the financial sector has reached an all‐ time high while morale in the private banking industry has reached an all‐time low. That has made it more difficult than ever for the private banking industry to offer a truly value‐adding service. As the rich are supposed to be the main beneficiaries of the impressive knowledge and professionalism in the industry, it is of the utmost importance that faith in the industry gets restored quickly. Regulators and banks are working hard to do their part to increase credibility. However, clients also need to play an important role as they stand to gain the most from a well‐respected, 3
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professionally functioning private banking industry. By proactively increasing their knowledge of the typical private banking service offering, they will understand much better what to expect and therefore will be better prepared to deal with a private bank in such a manner that they can get the most out of the relationship. The areas of expertise where private banks typically add value are: • • • • •
Investments Credit Life insurance Wealth structuring Psychology of wealth
"Only three more levels, and I am done." Thirteen‐year‐old Tom is playing his favorite computer game. For the past two months he steadily worked his way up from level 1 to level 22. The game ends when the player successfully completes all 25 levels. Tom is excited. He is so close. None of his friends has yet reached this far. Imagine how cool it would be to reach the last and final level. Two weeks later, Tom achieves the impossible. He is now officially a master of the game. With some smart moves and a healthy dose of logical thinking, he has conquered level 25. He feels proud of himself, and experiences a euphoric high. Another week later, Tom feels a bit down. By successfully finishing his game, he effectively lost his favorite pastime. His feelings of pride and euphoria have given way to a sense of emptiness. The immense satisfaction of being the "King of the Game" lasted a remarkably short time. What can he do now? This paradox of achieving a dream, followed by the realization that normal life then returns, is like a sobering hangover. Achieving a dream does not grant you eternal access to a dreamlike world. Instead, the bitter truth is that by achieving your dream you lose a source of inspiration. Becoming wealthy is another such dream. To become financially independent and be able to do whatever you like appears to be a
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Toward a Trusted and Value‐Adding Private Banking Industry
commonly shared goal. The entire lottery industry, for example, is built on this premise. But then, when one day your dream comes true, life goes on. More often than not we see how gradually the euphoria of financial success gives way to serious wealth‐related concerns, worries, and even anxieties, such as: • The fear of losing money by (over)spending, paying taxes, making the wrong investments, divorce, and so forth • Being sure of having enough money to financially support you for the rest of your life • The fear of looking or feeling stupid by missing out on obvious investment opportunities • Transferring wealth and the business to the next generation • Being able to raise kids in a way that they are inspired to live a purposeful life and are motivated to excel • How to protect and keep up the reputation that has come with the wealth • How to distinguish between real, sincere friends and phonies • How to go about achieving philanthropic goals, being involved in charity in a "right" way, and making sure every dollar has the greatest impact • Maintaining maximum privacy so as to avoid feeling uncomfortable when too many people know about this financial situation • Theft, robberies, blackmail, kidnaps—the rich being obvious targets Dealing with these and similarly difficult concerns is a consequence of being rich. To really enjoy your wealth and lead a happy, fulfilling life it is first and foremost important to make yourself aware of the concerns, worries, and anxieties that, generally speaking, come with wealth. And you will need to address the causes of the concerns, worries, and anxieties that keep you restless. That is easier said than done. Fortunately, there is an industry specializing in addressing your wealth‐related concerns: private banking.1 1With
private banking we refer in this book to all industry players contributing in one way or another to the management of the wealth of high‐net‐worth individuals (HNWIs). The most obvious players in this respect are private banks and independent asset managers (IAMs).
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Over the years the private banking industry has built tremendous knowledge on every aspect of managing wealth. Based on experience with thousands of other rich families, it has the knowledge to help you protect, grow, share, transfer, and enjoy your wealth. Problem solved: For most of our wealth‐related concerns, worries, and anxieties, there are private banking professionals to help you cope. They can help you to continue to live your dreams. Or not: Haven't we learned from the financial crisis in 2008 and its aftermath that private bankers are nothing but "wolves in sheep's clothing"? To what extent can I genuinely trust that my private banker will help me to cope with my wealth‐related challenges?
Shaken Confidence The financial crisis has been explained by many critics: Encouraged by technological developments radically shifting the paradigm of efficiency and scalability, by a continuously increasing competitive environment, by a global trend to focus on profitability and short‐term shareholder value, and by excessive bonus pay structures, the interests of clients gradually moved to the background, and in their place, unwarranted, irresponsible risks were taken instead. As a result, the entire financial system was on the brink of collapse. It is not our intention in this book to explain the crisis. A lot has been said and written already. What is important to us is what the crisis meant for the clients of private banks. Instead of the private bank being the safe harbor, the place to address the various concerns of HNWIs, the sector seemed to turn into a source of even more concerns and anxieties. How sure can you be that your bank has the ability to survive? How much can you rely on the advice of your private bankers? Are their recommendations serving their interests or yours? We all know the stories.Take Mr. Melvin Connaly. In 2005, at age 68, he sold his company. He made US$3.5 million from the sale. He invested most of this money with his private bank.The bank then invested this in options and futures. The bank encouraged him to take a loan to be able to invest even more in these financial instruments. Mr. Connaly trusted the bank and followed the advice.
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Toward a Trusted and Value‐Adding Private Banking Industry
It took precisely four years for his money to evaporate, while the bank had made a few hundred thousand dollars in revenue from what were effectively gambling activities. Luckily for Mr. Connaly, the Court ruled in his favor and the bank had to compensate him in an amount of US$3 million. Many Mr. Connaly–type stories have discredited the private banking industry. In addition, everyone knows about subprime mortgages, is familiar with Madoff, and has been shocked by the Libor fixing scandal. So how can we uphold trust in the financial sector? In old movies, it might have appeared rewarding to rob a bank. Now that there is hardly any physical money left in the banks, the only way to rob the bank is through employment, it seems. The clients are merely sources of revenue: As a banker, the more you milk them, the more effective you are. By excessive focus on the upside, most bankers don't even realize how lethal their products might turn out to be for their clients. This pretty much summarizes the public sentiment toward private bankers. The crisis, followed by all these kinds of stories and experiences, has severely undermined the confidence in the financial sector. In an article published in the Public Opinion Quarterly, Lindsay A. Owens describes how confidence levels in the United States have plummeted, reaching levels that we have not seen in the past 40 years.2 In 1970, approximately 40 percent of the respondents of the financial confidence poll indicated to have a great deal of trust in the financial sector.This dropped to below 10 percent in 2011.The number of people with hardly any confidence in this sector increased from below 10 percent in 1970 to 42 percent in 2011.The article was written in 2011, three years after the crisis. This observation is in line with the findings of the 2014 Edelman Trust Barometer, which refers to an annual trust and credibility review by research firm Edelman Berland.3 Their trust index shows that globally, roughly 50 percent of the people have (some level of) trust in the 2Lindsay
A. Owens, "The Polls—Trends: Confidence in Banks, Financial Institutions, and Wall Street, 1971–2011," Public Opinion Quarterly 76, no. 1 (Spring 2012): 142–162. 3 "Edelman Trust Barometer"; Financial Services Industry Results, 2013 and 2014, www.edelman.com.
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financial sector. It should be noted that among the various financial services sectors, financial advisory and asset management have the lowest scores, in some European countries even as low as 21 to 23 percent (according to the 2013 report). Although the confidence problem does not seem to carry the same weight in every part of the world, the fact remains that according to the Trust Barometer the financial sector as a whole emerges as the least‐ trusted globally. That is not good, to put it mildly, for a business that more than any other sector should be based on trust. No matter how self‐inflicted this situation, the effects of low confidence are potentially harmful. Not only for those private banking professionals who work hard to make an honest living—which in our experience applies to the vast majority—but also for the clients (i.e., the ones who distrust the services). What would happen if we didn't trust the legal system and as a result we created and enforced our own rules? Anarchy and chaos would be unavoidable.What would be the result if we didn't trust medical specialists and therefore resorted to self‐surgery? Life expectancy would most likely plummet. The same applies to private banking. If due to distrust of the banks and other service providers we decide to manage our own wealth, we demonstrate a risky underestimation of the value that a private banking professional can add. Qualified and sincere private banking specialists do actually add value. The many years of experience in managing and structuring wealth have taught us valuable lessons. Ignoring this added value is potentially harmful for your wealth. We mentioned it already: Being rich comes with typical wealth‐ related challenges and concerns. Most of these can be effectively addressed with the help of experienced professionals. However, a fundamental lack of faith in the soundness and professionalism of the industry will raise an impenetrable barrier, effectively blocking the development of trusted relationships, thus suppressing the value‐adding potential of such relationships. Clients will end up collecting ideas from various sources and then follow their intuition in deciding on a course of action, most likely at the lowest possible fee. For the private banking industry to be able to unlock its full value‐ adding potential, confidence in the sector is a prerequisite. Current levels
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Toward a Trusted and Value‐Adding Private Banking Industry
are too low. This not only is a threat to the professional standards in the industry, but also represents a serious risk to the financial health of the rich. The key to success, which is in everybody's best interest, is to develop and maintain an industry that can be trusted.
Building Trust and Confidence If we agree that trust and confidence are indispensable ingredients for a truly value‐adding private banking industry to flourish, how, then, can we build trust to the required level? Before we elaborate on this question, we first need to define the concept of trust. For that we refer to Maister, Green, and Galford, who define trust in their bestselling book, The Trusted Advisor,4 as the result of credibility times reliability times intimacy, divided by self‐interest: Credibility × Reliability × Intimacy Self-Interest
1. Credibility, simply put, refers to perceived competence. Competence judgments depend on content expertise—qualifications, experience, and so on—and presence, meaning how we look, act, react, and talk about our content. An impactful way to convey credibility is to demonstrate that you understand your clients' needs better than they do. 2. Reliability is about whether clients think you are dependable and can be trusted to behave in consistent ways. Judgments on reliability are strongly affected by the number of times you interact with a private banker: We tend to trust the people we know well. 3. Intimacy refers to the willingness and openness to talk about personal, difficult, and sensitive issues. 4. Self‐Interest (or self‐orientation) refers to the perceived level of care: The more a private banker demonstrates that he really cares about the client, the lower his perceived self‐orientation or self‐interest.
4 David
H. Maister, Charles H. Green, and Robert M. Galford, The Trusted Advisor (New York: The Free Press, 2000).
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Agreeing that these are the four ingredients of trustworthiness, how can we build and develop trust? Following a frequently used typology of trust, we identify three levels of trust:5 1. Deterrence‐based trust 2. Knowledge‐based trust 3. Identity‐based trust
Deterrence‐Based Trust Deterrence‐based, or rule‐based, trust is the most fundamental, base level of trust. It means that the behavior of other people is to a large extent predictable thanks to rules and regulations.The likelihood that the other abides by the rules is high due to the anticipated repercussions of not complying. With regard to private banking, the regulator is the main actor when it comes to increasing deterrence‐based trust levels. In almost every jurisdiction, often in an internationally coordinated fashion, the regulator has indeed taken firm steps in an effort to regain the confidence that was lost by the financial crisis.Thereby the focus has been very much on minimizing conflicts of interests and increasing quality. This can be highlighted by a few examples: • In most jurisdictions, the bonus structure has been scrutinized. It is no longer deemed acceptable that a private banker who generates significant revenues by taking excessive risks in his clients' portfolios be rewarded with a large bonus. • Private bankers have to document why they have given their clients certain advice. This is to ensure that there exists a proper trail, proving that the private banker provides suitable advice (i.e., advice in line with the recorded risk appetite of the client), as well as advice that aims to serve the best interests of the client (e.g., MiFID II).
for example, Randy Conley, "Three Levels of Trust: What Level Are Your Relationships?," June 6, 2011, leadingwithtrust.com.
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• In many jurisdictions, full price transparency has been enforced. In some jurisdictions, hidden provisions (e.g., kickback fees from fund managers) are now prohibited. Price transparency enables clients to understand the private banker's interest in the products and services offered (e.g., MiFID II). • Private bankers have to make much more effort to explain the risks of their products and services to their clients as well as to ensure that their clients understand these risks. These risk explanations have to be recorded, either through voice‐log or in writing. • In many jurisdictions, individual private bankers are forced to meet certain minimum certification requirements, followed by an obligation to continuously develop their knowledge and skill base. This is to ensure that the overall professional standards of the industry are sufficient to allow the public to rely on the services of the regulated and licensed private bankers. • In some jurisdictions, private bankers have to pledge a professional oath, declaring that at all times they will place the interests of their clients above their own interest. • As known cases of internal fraud cause great harm to the private banking industry as a whole, regulators have enforced more explicit directions in an effort to reduce internal fraud through guidelines, rules, and regulations. • To bolster the soundness of banks, they are forced to hold more and better‐quality capital. A greater loss‐absorbing capacity should provide greater confidence in the ability of banks to survive periods of stress, whenever they occur (e.g., Basel III). The regulators have responded to the financial crisis with great resolve.The public may expect the banks to implement all the new rules and regulations, as otherwise substantial penalties may be imposed or even their license to conduct their business may be at stake. This is why we consider this "deterrence‐based" trust: Banks will comply out of fear for the consequences of not complying. In a way, this is a negative way to foster trust, which to a certain extent explains—together with the high levels of skepticism of the general public—why the morale in the private banking industry has been low since the crisis in 2008.
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A second important contributor to higher levels of deterrence‐based trust is the legal system. The more the public can rely on the courts that private bankers will be disciplined in case clients are victims of fraudulent, insincere, and (blatantly) incompetent behavior, the higher the public expectation that private bankers will undertake all possible endeavors to provide a fair, honest, and high‐value‐adding service.
Knowledge‐Based Trust The second level of trust is knowledge‐based trust. The idea is that trust increases with the increase in knowledge about the other. In other words, the more knowledge you have about the other party, the better you know what you may—and may not—expect. The main actor with regard to the development of knowledge‐based trust is the client. The importance of this trust level is illustrated by the results of the previously mentioned 2013 Edelman Trust Barometer (see footnote 3), where it appears that the informed public scores higher on trusting the financial services industry than the general population. The main benefit of increasing knowledge about private banking and the added value that a private banker is supposed to deliver, is that it improves your ability to assess the credibility of potential service providers, thus reducing the overall time needed to develop a trusted relationship. As an aside, it is appealing and morale‐boosting for professionals to work with informed clients, which further improves the overall service levels. It might sound somewhat unfair: The client is the main victim of the trust and confidentiality crisis in the financial services sector, so why would we expect the client to work to help restore this trust and to contribute to boosting the morale in the industry? This is a good question, and one that forces us to repeat: because it is in the best, personal interest of clients that they are able to have a high level of confidence and trust in a passionate, highly motivated financial services industry, as this sector does have the capability to deliver high‐level, highly value‐adding services.
Identity‐Based Trust The final level of trust concerns identity‐based trust. This is the level where you dare to become vulnerable, knowing that the other party
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Toward a Trusted and Value‐Adding Private Banking Industry
won't take advantage of you. This type of trust takes time to develop. During that time, the other party has to demonstrate a consistent ambition to be honest, fair, responsible, and transparent. The main actor "responsible" for developing higher levels of identity‐based trust is the financial services sector itself: no more bank scandals; a problem‐solving attitude instead of a narrow product‐focus; no hidden charges or fine print. The private banking industry has to consistently demonstrate it has a sincere resolve to accept its fiduciary responsibility, which refers to the acceptance that the interests of clients must never be compromised by the self‐interest of the private banker. In the words of The Trusted Advisor, private bankers can contribute to increasing trust levels by higher levels of credibility, reliability, and intimacy, and by reducing the level of self‐orientation. Table 1.1 combines the three levels of trust with the four ingredients of trust in a single table.
Why This Book? Everybody has a role to play in restoring and improving trust levels.This book is primarily written for private banking clients and their children, with the intention to contribute to an increase of knowledge‐based trust levels. That is the only level of trust where clients have a (proactive) role to play. Sufficient basic knowledge about the potential added value of private banking service providers helps rich families to perform their duty to increase overall levels of trust in the private banking sector. To be rich is a blessing. But to really enjoy this blessing in the long run, professional help is usually indispensable. The dilemma here is that to rely on professional support, you first need to be able to trust the professionals. Regulators and the private banking sector play a crucial role here. Although essential, that is not sufficient. We firmly believe that the more knowledge you have about the service offering of a private banker, the more you will be able to benefit from the relationship. Knowledge deepens your understanding of what to expect and makes you more aware of the opportunities that a healthy relationship with a private banker represents. As a rule, knowledge tends to improve—usually over time—the value received from a product or service. The
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Main Actor
The Regulator The Legal System
The Client
The Bank
Level of Trust
Deterrence‐based Trust
Knowledge‐based Trust
Identity‐based Trust
More and more effective regulation to protect the interests of the clients. Consistent court rulings in favor of clients, who have fallen victim to fraudulent, insincere and incompetent bank behavior. Gain a basic understanding of how wealth management professionals should be able to add value in order to a) raise realistic expectations and b) increase the ability to discern between true and phony professionalism. Demonstrate over a long period of time a consistent ambition to serve the clients' best interests by being honest, reliable, fair and transparent.
Table 1.1 Three Levels and Four Ingredients of Trust
– – – –
Credibility Reliability Intimacy Self‐orientation
Focus on Trust Ingredient
Respect for clients
Lack of alternatives
Fear for consequences
Desirable behaviour stems from
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Toward a Trusted and Value‐Adding Private Banking Industry
more you know about cameras, the higher the likelihood that you'll find the camera that suits you best, from both a functionality and a cost point of view. The more you know about cameras, the higher also the likelihood that you will be able to discern between the competent and the incompetent camera salesperson. The same applies—and probably even more so—to private banking. After having read this book, you should not only have a better appreciation of what a private banker could mean for you, but you will also be able to have a meaningful, more engaged conversation to ensure that the service provided is really the service you need. In a way, it kick‐starts—or, if you already have a relationship, deepens—the relationship, which is in the interest of both your adviser and yourself as it enhances the likelihood that you'll receive a service that truly suits you. In other words, being more informed and prepared serves two purposes: 1. It enhances your knowledge, thus allowing you to get the most out of the relationship with your private banker. 2. It motivates and appeals to the professional, thus encouraging her to give her best to impress you. Both are important to you. When we talk about increasing knowledge, we refer to the areas where private banks typically add value: • • • • •
Investments Credit Life insurance Wealth structuring Psychology of wealth
These are therefore the areas that we will discuss. We start in Part II with the area of expertise that is generally perceived to be the core activity of private banking: investments. Step‐by‐ step we guide you through the seemingly mysterious world of investing. Why would you invest in the first place? How do you invest in a way that suits you? What are the risks that the investment manager deals with, and how does he manage these risks? What are the asset classes and financial instruments that you can invest in?
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Managing assets is a complex process. An effective conversation with your private banker, leading to a value‐adding investment service offering, requires at least a basic appreciation of this process. In Part III, we elaborate on credit, a second area where the private banker adds value. Generally speaking, lending is one of the key banking activities. Apart from providing some basic overall insights in the world of lending and borrowing, we explore and discuss the reasons why rich individuals borrow.We separately highlight the risks involved in borrowing as well as some technicalities with regard to the relationship between lender (i.e., the private bank) and borrower (i.e., the client). In Part IV, we discuss a third area where most private bankers play a valuable role: life insurance. We take the view that a basic understanding of the life insurance industry—what is the general use of life insurance, and what are the available types of life insurance?—is useful before exploring and understanding the rationales for using life insurance by the rich. As the average private banker is not an insurance specialist, we also look at which role they usually play and how they add value with regard to life insurance. Through life insurance, people intend to create some level of future certainties in an otherwise uncertain world. The same applies to wealth structuring, which we discuss in Part V in terms of the various purposes of wealth structuring as well as the various wealth structuring tools and vehicles. We also discuss which value‐adding role you may expect from your private banker. A final topic we discuss, in Part VI of this book, concerns the psychology of wealth. Raising children in a wealthy environment has proven to be challenging. We explore these challenges and provide some specialist insights into this intriguing topic. And once again, we discuss how private banking specialists may be of added value with regard to the psychology of wealth. It is essential to get the most out of your relationship with your private banker. For the industry to be truly value‐adding, it is on the one hand important that clients are open and receptive to the services of the private banks, and on the other hand that the private banking professionals have the passion and the drive to excel and provide the service that their clients need. This book aims to increase your knowledge level, thus implicitly increasing your (knowledge‐based) trust in the industry and motivating your private banker to shine.
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Click here to order your copy of Help, I'm Rich! today! 16/08/2014
Part I
here is an industry with a tremendous potential to add significant value to the lives of the rich. Ignorance and skepticism, among other factors, create a dense fog, blurring our ability to recognize this potential. In this introductory part we have explained how increasing knowledge about the value‐adding potential of a private bank helps to unlock this potential. That also explains why this book has been written and why in the remainder of this book we elaborate on the areas where private banks typically add value: • • • • •
Investments Credit Life insurance Wealth structuring Psychology of wealth Are you rich? Don't worry; help is near! 17
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Extracted from Help, I'm Rich! Your Compass to a Value-Adding Private Banking Experience published in 2014 by John Wiley & Sons Singapore Pte. Ltd., 1 Fusionopolis Walk, #07-01, Solaris South Tower, Singapore 138628. Copyright © 2014 by John Wiley & Sons Singapore Pte. Ltd. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning or otherwise, except as expressly permitted by law, without either the prior written permission of the Publisher, or authorization through payment of the appropriate photocopy fee to the Copyright Clearance Center. Requests for permission should be addressed to the Publisher, John Wiley & Sons Singapore Pte. Ltd., 1 Fusionopolis Walk, #07-01, Solaris South Tower, Singapore 138628, Tel: 65-6643-8000, Fax: 65- 6643- 8008, email: firstname.lastname@example.com
Click here to order your copy of Help, I'm Rich! today!
An indispensable guide to understanding the common challenges of the wealthy, and the crucial role private banks play in dealing with these...
Published on Sep 15, 2014
An indispensable guide to understanding the common challenges of the wealthy, and the crucial role private banks play in dealing with these...


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on: 03 Oct 2017 [13:07]
updated: 03 Oct 2017 [13:48]
It was the 16th century ... Year after year for a long time, every inhabitant of the Spanish colony heard of secret lands in the middle of the ocean where ships sink about rocks, where the soil burns with fire and where the untouched gold lies. Rumors about the greatest wealth attract to their lands brave adventurers, curious researchers and greedy barons.
After Columbus discovered a new world, creating there the first overseas colonies of Spain, the fiery land became the main goal of Spanish research and colonization. In addition to the main movement of the Empire, everyone who led the expedition also had its own selfish goals for new lands. Gold, slaves, power and glory - all that only barons could dream of, all that the Spanish man wants to own. The greed of people leads to wars not only with the indigenous inhabitants of the lands but also among themselves.
The new land is open for new opportunities, gather strength, raise troops, build cities and go for your adventures!
On the server ISLAGRANDE (Fire Land), players have the choice of one of the parties: devote themselves to the Spanish Empire or take the side of the indigenous inhabitants of Mapuche and unite with them to resist the invaders.
The main feature of the server is the Arena, where players can conduct a duel in different difficulty modes.
In the arenas, there are 3 modes: Base, Knight and Royal. Each mode has its own set of restrictions and requirements. All requirements for the regime are indicated in its description.
Making fights in duels, the winning players earn points for which they can get interesting gifts in accordance with prize scale and in TOPs in the arena.
Technical features of the server:
the maximum number of knights in the order - 10 people;
limit on trips of 50k soldiers, the limit will increase as the server develops;
There is no limit on the points of possession of mercenary locations;
there is no outline in the valley;
In the valley, the flag mode is enabled ;
Unique units (combat mastiff and polar bear) are available;
pumping heroes is slower than usual;
The study of the skills of the Order now takes some time, and the number of simultaneously studied skills depends on the Order of the Order;
All seizures, with the exception of mercenary locations, take place under a new regime with a siege ;
Some soldiers in the setting of Eldorado changed their name and appearance, for example, The Livonian Auxilary became an Arquebusier, the warrior Vitalier became the Mojave Indian;
For the remaining servers, the unique Barbarian became Vandal.


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Essay on chemistry in cosmetics
Essays - largest database of quality sample essays and research papers on chemistry in cosmetics. There are thousands of different cosmetic products on the market the chemistry of cosmetics expert reviewers based on several published papers. All nonfiction bullying books academic author interviews celebrity interviews college articles college essays educator of the year heroes cosmetics is a 20. Chemistry research paper topics how are make up products connected with chemistry what chemicals do cosmetic products contain essay topics 2011. Free cosmetics papers, essays, and research papers my account search results free essays good cosmetics, chemistry] 668 words (19 pages) good essays. Essay on chemistry in our daily life essay on chemistry in our daily life | merit and demerits of chemistry everything is based on chemistry cosmetics.
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"Most of my friends are from small towns, and they don't have many choices when it comes to dating."They meet someone in school, date that person for 15 years and then have kids and/or get married to them."My experience is that Irish lads are more gentlemanly than many other cultures.Perhaps it's the education, or else it's the fact that the Irish mammy is a very strong part of society here. "You see almost helpless men who have been raised by their mammy until they are 40 or 50.For instance, when I was in college in Poland I was dating a Polish man.
Mary Kenny, a relationship counsellor who also runs a dating website, says that her service has noticed a large increase in overseas women seeking Irish men for relationships.If that relationship doesn't work out, they'll likely date someone else from the same circle of friends."I am just starting to date here and am generally optimistic about it.There seems to be a general lack of dating culture here in Ireland.Even my Irish female friends admit that it's rare for an Irish guy to actually go up to a woman and ask her out on a proper date.


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March 16, 2016, 14:55
I am eventually needing to either buy a original K2/AR100 stock or see if anyone has used anything else on their folders. It has been a long time but I remember seeing pictures of a Galil or FAL folding stock on a Daewoo but I have tried both stocks and the pivot pins dont line up correctly with the receiver. If anyone knows where a original stock may be and a couple of pivot pins let me know. Or can find pics or have 1st hand knowledge of other stocks used...Thanks


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Accentuate your sofa or bed with this accent pillow. Dip dye design in navy blue and cream gives a calming vibe. No matter where you place it, it's the perfect finishing touch.
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We've put together a group of favorite New Orleans area photos from 2015 as picked out by The Advocate photographers staff.
Photos: Top 2015 south Louisiana photos from The Advocate staff photographers
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NAIROBI, Kenya, December 12 – The Media Council of Kenya on Friday condemned the arrests of journalists and civil rights activists during the country's Jamhuri Day celebrations.,
The journalists and activists were arrested outside the Nyayo National stadium, where the celebrations took place, for wearing t-shirts condemning MP's failure to pay taxes.
In a statement, the Media Council said the arrests which come only a day after the passing of the draconian media bill, confirmed its worst fears that there were people in the government determined to intimidate the media into silence.
The council reiterated its commitment to defend the independence and freedom of media and rights of Kenyans to know the truth.
Mars Group Chief Executive Officer, Mwalimu Mati said they were arrested for wearing t-shirts that read 'No taxes for MP's, No taxes for us' and taken to Langata Police Station.
"They are saying that wearing the t-shirt is the problem which we find very weird," he told Capital News in a phone interview.
Among the journalists arrested included popular comedian Nyambane as he sought to present a petition to the president at the Nyayo National stadium during the country's 45th Jamhuri day celebrations.
The Kenyan legislators have refused to pay taxes on their allowances despite a public outcry for them to do so.
A clause on the Finance Bill allowing Mps to be taxed was deleted after the legislators rejected to pass the Bill in parliament. The Bill is now awaiting presidential assent.
Mati blamed the arrest on draconian laws and said the controversial media bill, which is awaiting final approval by the President would make it worse.
"These laws infringe on the freedom of expression and I think at the end of the day the issue is whether we are clear on whether or not we are allowed freedom of expression," he said.
Laws makers collectively passed The Kenya Communications (Amendment) Bill on Wednesday ignoring pleas by media partners for them to delete Section 88 of the Bill, which gives the government powers to confiscate broadcasting equipment during national emergencies.
The proposed law seeks to curtail the freedom of information and goes against the rule of self regulation.
At some point Mwalimu Mati could be heard pleading with the law enforcers not to manhandle his wife.
"No no… don't manhandle her she is my wife please….please we are coming with you but don't manhandle her."
Former legislator Paul Muite who was at the Langata police station to defend those arrested noted that the punishments outlined in the Bill are harsh to individual journalists confirming that they were aimed at intimidating and blackmailing the journalists.
"There is control of the content can be put into very negative uses so the President must be aware that all the eyes of the Kenyan people are on him and they are expecting him to do the right thing- to decline to assent to that Bill," Muite who is also a lawyer said.
He added: "Even the very design is faulty. The broadcasting provisions need to be separated and be made the subject matter of a separate statute not be ranked together with the ICT."
He noted that the beneficiary of the media freedom would be the Kenyan Public and if the Bill became law, they would be the biggest losers.
Muite alleged that the police were carrying out orders.
"I sympathise with the Officer Commanding Station (OCS) and his deputy, I sympathise with their position, they have confirmed that they were acting on orders to arrest. So it is clearly not for them to decide whether they are to release them or hold them until Monday they are waiting for decisions from their superiors. This is the politicians who have given these orders," he said.
He said this would take the country back to the dark days when news items were only about what government was doing.
"This is when the first item on the news would be the president, then the vice president, the minister, the Provincial Commissioner and then the news is finished," he observed dryly.


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Product details
Please find below the full details of the product you clicked a link to view.
Reference no. HLT521-17-1006C
Published by:
Hult Publishing (2017)
9 pages
Data source:
Generalised experience
Designing a business model for a wearable, internet-connected computer requires an understanding of the market, technology, customers, and competitors. This case describes the circumstances around a start-up in Silicon Valley making products for the Internet of Things, starting with a smartwatch. Yet the company's initial business model was not gaining traction. What new business models should it consider? How should it select among these options? This case has been featured on our website, click to view the article.
Learning objectives:
1. Define and apply the concept of a business model. 2. Explore the potential problems for an existing business model. 3. Create alternative business models. 4. Select and defend an improved business model. 5. Determine how to collect evidence to refine a business model.
Silicon Valley, CA, USA, Consumer electronics, Start-up
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State Employees Return To Work Friday, But Session Is Postponed
Posted to: Weather, Special Session
HARTFORD, CT — All state employees have been asked to report to work Friday, but state lawmakers will get another day off.
The special legislative session scheduled for Friday has been postponed until 10:30 a.m. Monday, Jan. 8 for both the House and the Senate.
Gov. Dannel P. Malloy said Thursday evening that enough progress had been made on the roads for state employees to get to their offices.
But "we urge residents to allow for extra travel time tomorrow to ensure that they arrive at their destinations safely," Malloy said.


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The chicago manual of style notes/bibliography system is used by scholars in history or at the end of the paper (endnote chicago style q& a, faq. You have to write a history paper guidelines for doing a great job historians use the chicago style of citing references, which is different from mla style. Chicago style format this brief handout was compiled using the chicago manual of style research paper title rocky bull history 3000. Foundation of world civilizations / owen: chicago citation style p 1 chicago citation style history papers typically require the chicago style, using endnotes and a.
Chicago-style source citations come in two varieties: (1) notes and bibliography and (2) author-date if you already know which system to use, follow one of the links. Of research papers, theses, and dissertations turabian presented in the chicago manual of style history, and the arts this style presents. Boundless table of contents writing a paper in mla style (humanities) mla: writing a paper in chicago/turabian style (history) chicago/turabian. You can also get a chicago style paper example done by our professionals to make the the turabian format is closely related to the chicago style of formatting. Here is a sample chicago style paper for your review, courtesy of university of washington, writing and research center this chicago paper has 10 pages so.
These resources follow the seventeenth edition of the chicago manual of style the purdue owl purdue owl manual for writers of research papers, theses. Professional chicago style paper help still having a hard time with the formats or writing styles stuck with your paper writing let bookwormlabcom help you out. Madison area technical college libraries history research guide: chicago style citations. Chicago style guide chicago style page formatting search this guide search chicago style guide: your teachers expect to receive papers that are properly. On this page you can download free chicago format template, chicago research paper example you can learn about chicago research paper footnotes and endnotes.
The chicago manual of style/turabian citation style includes two systems for citations: a notes and bibliography system and the author-date system the notes and. The chicago style of writing is often required for history papers, although this style is also called turabian style when referring to research papers papers written. Writing a chicago style research paper proposal have you ever paid attention to the format of the research proposal you write, or we have discussed numerous times. The chicago or turabian style, sometimes called documentary note or humanities style, places bibliographic citations at the bottom of a page or at the end of a paper. On this page you can download free chicago style example you can check information about chicago style thesis and chicago style citation essay at professays.
The research paper: chicago style chicago notes and bibliography is a citation format typically used by scholars in the field of history this style uses. Format and citations for history papers typically, the notes in chicago-style papers are followed by a bibliography, an alphabetically arranged. History papers -- how to do a title page and footnotes -- chicago citation style.
Guidelines for writing art history research papers the chicago manual of style department of art and design fine. Sierra writing center term paper handbook for research papers in history and for instructors who favor this style in other the chicago manual of style. This resource contains the notes and bibliography (nb) sample paper for the chicago manual of style 16th edition to download the sample paper, select the cms nb. Georgia state university library is the center of gsu's campus we support teaching, learning, research and collaboration for the university community. Chicago manual of style sample paper if you are writing a paper for a history class or certain humanities chicago papers usually have a title page.


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Very pleasing news – I learnt that my short story The Tideline has placed first in the NewMyths.com Readers' Choice Awards 2018.
A big and grateful thanks to all those who enjoyed it enough to vote for it.
Very pleasing news – I learnt that my short story The Tideline has placed first in the NewMyths.com Readers' Choice Awards 2018.
A big and grateful thanks to all those who enjoyed it enough to vote for it.
Prior to a scheduled autumn print publication in the Passages anthology, The Tideline is now live for free viewing on NewMyths.com. Feel free to read it here and if you're so inclined to vote for it in the online poll here.
My short story The Tideline is published in issue 43 of NewMyths.com
The tideline is a liminal place where land meets sea and imagination meets memory. For those who walk it, it's a place of storms, of beginnings and endings, a place to lose yourself and find yourself.
Back in 1989 the comic Brain Damage slid into the shops. My first ranty column for it was so popular that the editor ramped it up and I got a whole page per month for the next year.
The "Whatever Happened To…" fairy-tale sequence continues on SoundCloud with the post-fame and fortune tale of Jack the Giant Killer.
There's been some work going on with my YouTube channel, involving music and a spot of satire in the vein of The Daily Aphorism posts on here – complete with freaky animated video.
A bit like this …
The artist Joe Fletcher Orr recently told Culture 24 that the bath is where he finds most of his ideas. Instead of a traditional studio, he's planning on getting a membership at a luxury spa so he can spend time in a relaxation pool.
He's not alone in the regard with which he holds the humble bath. Famously, Douglas Adams found it a perfect relaxing antidote to deadlines which allowed his ideas to mature unconsciously during bouts of procrastination.
Less famously, I, and others, find the bath an ideal place to perform mindfulness meditation.
Hot water, locked door, maybe some lavender essential oil, maybe some relaxing music in the background. Sounds an ideal recipe for beneficial altered states of mind.
Psychological research into sleep sometimes offers us fresh insights into the benefits of good sleep, and sometimes it reinforces widely held beliefs.
It seems obvious, for instance, that a good night's sleep is necessary for health, well-being and optimal performance. And recent studies on shift work and sleeping patterns back-up this common sense belief.
The British Medical Journal's Occupational & Environmental Medicine publication demonstrates that disrupted sleep due to shift work can prematurely age the brain and result in cognitive problems. Ten years on antisocial shifts can age the brain an extra six and a half years – it takes five years of normal sleep patterns to recover.
This is one more thing for insomniacs to worry about (as if they didn't already worry enough), as some of them will end up with lifestyles emulating the worst of shift work sleeping patterns. My free eBook and accompanying audio download Sleep Well Hypnotically (on sale here at CDBaby as well as Amazon.com, Amazon.co.uk & iTunes) is designed to provide psychological support for establishing healthy sleeping patterns. It is based on years of experience working with clients on a one-to-one basis and has worked well for many people already.
I love the ancient legend of The Fey Woman Of Lyn Y Fan. I love it so much that I wrote a quirky, contemporary retelling of the story complete with gender and role reversal, kebabs and football. As if by magical coincidence, it's appearing in the June 2014 edition of Gold Dust magazine, which I believe is issue 25 and free to read from the website.


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Lita Ford
She is best known for the role of herself in Yakety Yak, Take it Back, and Trash Talk. Lita Ford was born to an English father and an Italian mother in London, when she was about in second grade, she moved with her family to the United States, eventually settling in the Long Beach, Los Angeles area. Inspired by Ritchie Blackmores work with Deep Purple, she playing the guitar at the age of 11. In 1975, at age 16, Ford was recruited by recording impresario Kim Fowley to join the rock band he was assembling called The Runaways. The band soon secured a contract and released their first album in 1976. The bands jailbait on the run gimmick garnered significant media attention, Fords lead-guitar playing became an integral element of the bands sound until their eventual break-up in April 1979. In 1977, internal conflicts were erupting within The Runaways, who had by that time already parted ways with producer Fowley, lead singer Cherie Currie, with neither faction willing to compromise, the band finally broke up in April 1979. Following the breakup of The Runaways, Ford set about launching a solo career and her debut solo album, entitled Out for Blood, was released in 1983 and was a commercial disappointment. Her next release, Dancin on the Edge achieved moderate success, Dancin on the Edge included the single Fire in My Heart, which reached the Top 10 in several countries outside the United States. The follow-up single, Gotta Let Go, performed better, reaching number one on the Mainstream Rock charts, Lita said in an interview that she recorded an unreleased album with RCA Records, and Tony Iommi didnt perform on it. Ford signed with RCA Records, hired Sharon Osbourne Management, in 1988, she released her most commercially successful album, the self-produced Lita. The album featured singles including Kiss Me Deadly, Back to the Cave, Close My Eyes Forever, and Falling In and Out of Love. The ballad Close My Eyes Forever, a duet with Ozzy Osbourne, Ford followed up the success of Lita with the album Stiletto. Stiletto featured the singles Hungry and Lisa, however, the album failed to match the success of her previous release. Fords next release was Dangerous Curves, which featured her last charting single to date, Fords final album prior to a lengthy recording hiatus was Black on the German ZYX Records. By the mid-1990s, Ford placed a priority on her music career as she turned her attention towards raising her two young sons. Following the release of Black in 1995, Ford did not release new material until the Wicked Wonderland album almost fifteen years later. In June 2008, Ford reemerged with a new band with Stet Howland on drums, after a long recording hiatus, Ford released the new album Wicked Wonderland on October 6,2009, on the JLRG Entertainment label …
Lita Ford at Jones Beach 2012
Ford performing on 19 December 1988 in the "Olympiahalle" venue of
, Germany.
Ford performing on 27 June 2009.
Ford performing with
Patrick Kennison


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The grading at this level is much strict, but due to the complexity of college papers, grade it might not be able to check the essay efficiently. How to use different parameters to grade my essay through paperrater how do i grade my paper these types of tools are readily available for free across. Paper checker reasons to use paper rater 100% free it's simple - just copy and paste your essay below view detailed stats about word choice, grammar, spelling, and. This imposition of colonial policies, of learning stem grader free online essay based offerings exist on many laptops procedia social and musical communication. Grade my essay to help students and make things easier on teachers it is now possible to find an online essay grader students such as yourself can use this service.
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The SSCC's official migration period is over, but many SSCC members still need to migrate to Office 365. If you are out of town and want to wait until you return so you can get help more easily if you run into trouble that's fine, but we encourage you not to delay.
On Monday, July 27 the SSCC begins its migration to Office 365, starting with the Department of Sociology. Full migration instructions can be found at:
Migrating is very easy: just go to a web page and click a button. (If you've already migrated your WiscMail account to Office 365, SSCC staff will have to click the button for you. Email the SSCC Help Desk at email@example.com to make arrangements.)
Once you've migrated, email programs that are configured to read SSCC email will no longer work. You will then have several options:
If you're in town we suggest you let a student worker do the setting up for you, just to save time. However, email programs are easier to set up than ever before—they use your email address to look up the corresponding servers, ports, etc. rather than you having to enter them. So if you are out of town we encourage you to go ahead and set up your email programs yourself, though if you'd rather wait until you get back so you can more easily get help from SSCC staff if you run into problems that's fine. Unfortunately we will not have access to the student workers once our migration period has ended, and SSCC does not have enough staff to set up everyone's email for them.
We recognize that this migration will be a substantial disruption, and that you may have mixed feelings about Office 365 even after migrating. We're determined to do everything we can to make the transition go as smoothly as possible. If you have any questions or concerns, don't hesitate to ask.
When the SSCC's official Office 365 migration period arrives (July 27-August 7) we will have DoIT-trained student workers available who can visit your office and set up your email program to work with Office 365. This includes setting up smartphones and tablets as well as desktop and laptop computers. You are welcome to do this yourself (especially if you'll be out of town), or to just use the Outlook Web App. But if you will be here we suggest you take advantage of their help. To do so, sign up for an appointment at http://ssc.wisc.edu/o365help . Note that since this is a Google doc, all changes are saved automatically as you type--no need to click save.
DoIT is also offering free training on both Outlook and the Outlook Web App in the Sewell Social Sciences Building. Visit http://ssc.wisc.edu/training to register.
We appreciate everyone who has prepared their account for migration, and those who have already migrated their WiscMail account to Office 365 and don't need to do the preparation steps again. (Not sure? Go to https://wiscmail.wisc.edu and see if your get Office 365 or regular WiscMail). We have about 200 people to go; if you haven't yet prepared your account, please do so today by visiting https://wiscmail.wisc.edu/admin/index.php?action=o365-preparation .
We'll have specific instructions on the migration itself for you next week. It's not complicated, but we know how much SSCC members rely on email and we want to make sure everything goes as smoothly as possible. Let us know if you have any questions.
SSCC's migration to Office 365 is approaching, and the time has come to prepare your account for migration. The account preparation process takes just a few minutes and is done via the web. It prepares both your SSCC email account and your WiscMail account to migrate to Office 365. Please take a moment to prepare your account right now, even if you are out of town, will not be migrating during the SSCC's official migration period (July 27-August 7), or do not use SSCC email. To do so, visit:
If you'd like someone to walk you through this process, a member of the Office 365 migration team will be in 3218 Sewell Social Sciences Building on Wednesday and Thursday afternoon (July 8 and July 9) to assist you. Register at http://ssc.wisc.edu/sscc_jsp/training/. The migration team is also offering classes on using Office 365 through the SSCC's training program and we encourage you to take advantage them.
The most important part of account preparation is choosing your primary email address. After the migration, mail sent to your SSCC email address (email@example.com), your WiscMail address (email@example.com), and to your new email@example.com address will all go to your Office 365 Inbox, but your primary address is the one your messages will come from, and what will appear in Office 365's Global Address List.
At this time members in COWS will not be able to select firstname.lastname@example.com or other related addresses as their primary email address. DoIT is working to fix this as quickly as possible. If you prepare your account now you can return and change your primary email address later.
To use the account preparation tool you'll need to log in using your UW NetID. If you've forgotten your NetID password, visit https://www.mynetid.wisc.edu/recover/#/pwdreset. If you need further help, please contact the DoIT Help Desk (https://kb.wisc.edu/helpdesk/). SSCC staff cannot reset NetID passwords.
If you do not have a NetID, you will not be able to migrate to Office 365 and your SSCC email account will be closed when the SSCC's email service is shut down at the end of the year. We've tried to identify anyone in this situation who may rely on SSCC email, but if you do and have not heard from us please reply to this email.
Account preparation is the first Office 365-related task we need everyone to do. The Office 365 migration team gives us reports on who has and has not prepared their account, and we will follow up with those who have not as the migration approaches.
On Tuesday we asked everyone to prepare their account for the Office 365 migration. Unfortunately this has not gone as smoothly as we had hoped, and we want to update you on the issues encountered.
The Office 365 team did not inform us until after we started reporting problems that anyone who has already migrated their WiscMail account to Office 365 cannot use the web tools to prepare or migrate their SSCC account. If you are in this situation, SSCC staff will have to initiate the migration process for you—we're coming up with a procedure for arranging this and will update you as the migration period approaches.ĀIf you want to use your SSCC email address as your primary email address you can set this after migrating.
Due to a data entry error by the Office 365 team, some people were able to migrate their accounts on Tuesday and Wednesday even though the SSCC's migration period has not started. If you did so, only your WiscMail account was migrated, not your SSCC account. You will still have to migrate your SSCC account on or after July 27, but you'll need SSCC staff to initiate the process as described above. If you log into WiscMail you'll see it's been replaced by the Outlook Web App, but if you would like to use another email program or mobile device to read your Office 365 email contact the Help Desk (email@example.com) and we'll send you instructions.
Members in COWS were not able to select firstname.lastname@example.com or other related addresses as their primary email address after the initial account preparation message went out on Tuesday. This issue has since been resolved and you can now fully prepare your account or change your primary email address if you have already done the other steps.
The Office 365 Migration team is under tremendous pressure as they work to move all of campus to Office 365 before the entire project is shut down late this year due to budget cuts. We ask for your patience during this difficult process.
Training on Office 365 is now available on the SSCC's training web page. Topics include preparing your account for Office 365, email and calendaring basics using both Outlook and the Outlook Web App, and advanced features for administrators. Registration is required.
The SSCC will migrate to Office 365 starting on July 27. Departmental migration dates are as follows:
|July 27-28 (Monday-Tuesday)
|July 29-30 (Wednesday-Thursday)
|Catch-Up Day
|July 31 (Friday)
|Economics & IRP
|August 3-4 (Monday-Tuesday)
|COWS, UWSC, SoHE, & IoA
|August 5-6 (Wednesday-Thursday)
|Catch-Up Day
|August 7 (Friday)
We will have Officianados available on these days to visit your office and configure your email programs for you—sign up sheets will be available soon. If you will be out of town on your department's official migration days, you can sign up for a visit on a Friday or any other day during the migration period.
If you'll be out of town for the entire two-week migration periond, we'll try to arrange for a second round of Officianado visits once most people are back in town.
What happens if I don't migrate?


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"Dyer Brothers Artists: A Current View" will be on exhibit through Sept. 1 at the Arlington Arts Center, 3550 Wilson Blvd. The center is open 11 a.m. to 5 p.m. Tuesday through Friday, and noon to 5 p.m. Saturday.
Gary Goldberg is angry. He's your typical struggling artist trying to make ends meet by teaching a course here and there. Now he's mad because he's being deprived of one thing that's central to his livelihood -- his studio.
Goldberg is one of 18 artists being evicted from the Arlington work space they have occupied above Dyer Brothers Paint Store for about five years. The building, near the Courthouse Square Metro station, has been sold, and plans are to develop it into an office building.
The artists' loft was not your ordinary studio. Aside from the benefits of working together, the artists had a lot of fun. The studio was nicknamed "Ten-Pin Studios" since it housed an old bowling alley -- and the artists kept one lane open for recreation. In the best tradition of making-do, the artists also built a basketball court and installed a wading pool on the roof.
As a grand finale to their five years together, they have put together a commemorative show called, "Dyer Brothers Artists: A Current View."
The show at the Arlington Art Center includes representative works from all 18 artists, with a variety of styles and mediums. For instance, several oil paintings in the show range from Barbara Martin Johnson's traditional portrait of a woman in soft colors to Judith Pratt's abstract renditions of Washington street intersections.
The artists, mainly graduates of American University and George Washington University, would like to stay together after they leave their present quarters.But they admit they probably will be going their separate ways in search of a rare commodity, cheap studio space.
The area they are in now has become too expensive with the Metro close by. The junk furniture store that used to be next door has been replaced by a large Xerox Corporation installation.
The artists and their landlord, the Dyer Brothers Paint Store, enjoyed a mutually beneficial relationship. The studios were rented out at a cost which just barley covered expenses, and the store got a lot of business from the artists.
Manning Dyer Jr. of Dyer Brothers laughingly recalls that he advertised the studios as "a good place for artists to learn how to suffer" because of the poor heating system.
But the artists don't seem to have suffered too much and applaud the studio as an unusually good place for artistic exchange, citing their dislike of "planned artist communities."
Says artist Johnson, "It's difficult when somebody is judging people to get into a place, you inevitably run into somebody's taste. We prefer the variety of styles. We like a casual, loose working arrangement.
Most of the artists say they are having a hard time finding any studio space. Some even worry that they will be forced to leave the Washington area.
Linda K. Paffel has looked at some studios but says they are in "dangerous" areas.
Goldberg says all he can find is "a junky warehouse on New York Avenue filled with rats."
"People in Washington like to wear tuxedos. They like to put on the dog and go out and enjoy the arts and the culture and yet they're not going to subsidize it," Goldberg said. "No one's going to come up with studio space." s
Dyer Brothers also will be moving, after 20 years, to Seven Corners in the Zayre Shopping Center, but they hope to keep in touch with the artists. Both the artists and Dyer Brothers regret the move. They call it "the end of an era."


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According to a People.com article Jamie King and her husband,Kyle Newman, are expecting their second child. Her most recent role on television been as Lemon Breeland on the CW series Hart of Dixie.
Jaime King shared the happy news on her Instagram with a picture of her 16 month-old son James Knight in front of a paper that read "I'M GONNA BE A BIG BROTHER ! WHO DA BOSS NOW… Continue reading
Most people would r think that Viagra would be only used help women get pregnant, but that was it. The pill is generally prescribed to help men achieve erection by helping to simulate blood flow in the penis. Now that same concept is being transposed to the womb.
Doctors hope that by giving women Viagra during pregnancy they will help stimulate blood flow to the womb. This increase blood flow,… Continue reading
It is now recommended by the CDC (Center for Disease Control) that pregnant women should get the pertussis, which is commonly referred to as whooping cough, vaccine. They say it is so that some of the antibodies will pass on to the baby through the placenta, while getting the mother immunized as well. The vaccine is given to babies during a part of the regular immunization schedule,… Continue reading
Some tests have become standard for pregnant moms and have become part of the normal prenatal visits. Recently, adding lead testing to one of the routine tests was considered. Instead of deciding to test all pregnant women, a Rueters on Yahoo article reports that the ACOG recommended that that women be screened for their risk of lead exposure and those that are high risk should… Continue reading
In the United States, the rate of C-sections has grown higher that most would want at 34%. This increase in C-sections has been attributed to many factors, but many would agree that the number could be less. It was surprising to see that China is facing C-section numbers that even higher than those in the United States. A MSNBC online article states that the rate of C-section in China is… Continue reading
For parents seeking out infertility treatment their goal is to have medicine help them have a healthy child. The ultimate goal of having healthy children may be diminished as the amount of babies that the mom is pregnant with increases. The more babies that an expectant mother is carrying the earlier she will have to deliver those babies. There are potential complications to both the mother and the baby.… Continue reading
All across the globe in industrialized nations there has been a rise in multiple births and pregnancies. Advance maternal age at time of conception and fertility treatment contributes to the rise in multiple births.
Canadian officials have seen that there is a need to institute new policies in monitoring the pregnancies of twins. Although twins are double the blessing, there are additional possible complications that… Continue reading
Several people will soon be charged with scamming couples out of thousands of dollars. At least 6 victims of the scam have been identified. The Associated Press reported that charges will soon be filed by the Oklahoma Attorney General against several people that faked pregnancies with the intention to just defraud families.
One positive is that there is not an actual child involved in this situation.… Continue reading
On the way to the hospital, which happened to be 15 minute away, Mandy Lambert surprisingly gave birth to a baby boy. Her mother-in-law was driving her and according to the mom she left the house as soon as labor started. This was her third pregnancy and her third go around with labor and therefore Lambert thought she had enough time to get to the hospital… Continue reading
A truly miraculous pregnancy and birth happened when a baby was delivered at 32 weeks after growing outside his mother's uterus. Nicky Soto was told when she was 18 months pregnant that the baby was not growing in her uterus and that it was definite risk to her life and the life of her unborn son. The mom decided to continue on with the pregnancy and remained in… Continue reading


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This article of Kitchen Cabinet Liners was published at March 1, 2018 at 9:20 am. It is uploaded in the Kitchen category. Kitchen Cabinet Liners is tagged with Kitchen Cabinet Liners, Kitchen, Cabinet, Liners..
Kitchenkitch•en (kich′ən),USA pronunciation n.
- a room or place equipped for cooking.
- culinary department;
cuisine: This restaurant has a fine Italian kitchen.
- the staff or equipment of a kitchen.
kitch′en•less, adj.
- of, pertaining to, or designed for use in a kitchen: kitchen window; kitchen curtains.
- employed in or assigned to a kitchen: kitchen help.
- of or resembling a pidginized language, esp. one used for communication between employers and servants or other employees who do not speak the same language.
kitch′en•y, adj.
Cabinetcab•i•net (kab′ə nit),USA pronunciation n.
- a piece of furniture with shelves, drawers, etc., for holding or displaying items: a curio cabinet; a file cabinet.
- a wall cupboard used for storage, as of kitchen utensils or toilet articles: a kitchen cabinet; a medicine cabinet.
- a piece of furniture containing a radio or television set, usually standing on the floor and often having a record player or a place for phonograph records.
- (often cap.) a council advising a president, sovereign, etc., esp. the group of ministers or executives responsible for the government of a nation.
- (often cap.) (in the U.S.) an advisory body to the president, consisting of the heads of the 13 executive departments of the federal government.
- a small case with compartments for valuables or other small objects.
- a small chamber or booth for special use, esp. a shower stall.
- a private room.
- a room set aside for the exhibition of small works of art or objets d'art.
- Also called cabinet wine. a dry white wine produced in Germany from fully matured grapes without the addition of extra sugar.
- [New Eng.](chiefly Rhode Island and Southern Massachusetts). a milk shake made with ice cream.
- [Archaic.]a small room.
- [Obs.]a small cabin.
- pertaining to a political cabinet: a cabinet meeting.
- private;
- pertaining to a private room.
- of suitable value, beauty, or size for a private room, small display case, etc.: a cabinet edition of Milton.
- of, pertaining to, or used by a cabinetmaker or in cabinetmaking.
- [Drafting.]designating a method of projection(cab′inet projec′tion) in which a three-dimensional object is represented by a drawing(cab′inet draw′ing) having all vertical and horizontal lines drawn to exact scale, with oblique lines reduced to about half scale so as to offset the appearance of distortion. Cf. axonometric, isometric (def. 5), oblique (def. 13). See illus. under isometric.
Linerslin•er1 (lī′nər),USA pronunciation n.
- a ship or airplane operated by a transportation or conveyance company.
- eyeliner.
- [Baseball.]See line drive.
- a person or thing that traces by or marks with lines.
- See ship of the line.
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