text:
10 PAY PER CLICK Blogs and forums That will Improved My own Marketing campaign Company Endure
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1. PAY PER CLICK Good guy
Focus: PAY PER CLICK Plans + Condition Reviews + Info
Youtube Supporters: 24, 400+
Tweets: On a daily basis
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Focus: PAY PER CLICK + Payed off Web marketing strategy
Youtube Supporters: thirty four, 500+
Tweets: On a daily basis
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Focus: SEARCH ENGINE RANKING OPTIMIZATION + PAY PER CLICK
Youtube Supporters: 128, 000+
Tweets: Every week
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Focus: PAY PER CLICK Intellect + SEARCH ENGINE RANKING OPTIMIZATION + CRO
Youtube Supporters: two, 388
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Focus: PAY PER CLICK Exercise + Neighborhood
Youtube Supporters: 7, 098
Tweets: Per month
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6. Increase Mass media
Focus: PAY PER CLICK + Marketing campaign Imitate + Creatives
Youtube Supporters: several, 806
Tweets: Per month
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7. CPC Approach
Focus: Retail store Promotion + Internet commerce + Approach
Youtube Supporters: 1, 846
Tweets: Every week
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8. Clix Internet marketing
Focus: PAY PER CLICK + Increase Approach + Societal
Youtube Supporters: 1, 516
Tweets: Every week
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9. On the inside AdWords
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Youtube Supporters:
Tweets: On a daily basis
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10. Ask Promotions
Focus: The final help to help Ask Promotions
Youtube Supporters: 1 out of 3, 800+
Tweets: On a daily basis
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As i. Quora/PPC
Quora chats with Youtube promotions (5, 000+ followers), Search engine marketing tactics (5, 500+ followers), Advertising on the internet (12, 000+ followers), Yahoo AdWords (7, 500+ followers), together with marketing campaign networks/ad solutions (2, 500+ followers).
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II. Reddit/PPC
"This is usually some of our breathing space to share with you precisely what will work, precisely what fails to, together with what is innovative on the globe with electronic digital internet marketing. inch
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3. Twitter/PPCchat
Just about every Monday, 11: 00 ARE Fundamental Time period.
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Properly, Hopefully that might be the following listing of pay per click blogs and forums together with pay per click forums/discussions effective. Goodluck!


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Ten Estate Planning Success Tips
Have You Planned for the Future Yet?
So you're worried about the future, you want to make sure that not only your spouse, family and property is taken care of when you pass, but you want to make sure you're taken care of while you're still here. There is a lot of information out there to sort through, some of it is conflicting, and all of it is confusing. Here are some basic tips to help you get started:
- Update your documents regularly. We honestly cannot stress this one enough. Keep your legal residence address, marital status, children and their potential guardians, and other documents updated.
- Keep track of beneficiaries for all of your IRAs, qualified plans and insurance policies. Do you know who your beneficiaries are for these assets? If you don't, they may be going to someone you no longer wish to receive them, such as an ex-spouse. You can easily change the name of the person who will receive their benefits by filling out a form and submitting it.
- Maximize the liquidity of your estate. Liquidity is defined as the ability to quickly turn assets into cash. Without sufficient cash to pay taxes, funeral, and other expenses, your family may have to sell illiquid assets - such as a family business or other property - at an inopportune time, and for less than full value.
- Maintain an Appropriate Mix of Investment Risk. It's not the best idea to have too much money allocated to risk in stocks or mutual funds, as you age. Over time, more risky investments should be moved into safe and stable investments such as Annuities to ensure you are leaving an inheritance.
- Name a dependable executor and/or trustee. Executors are called upon to collect assets, pay obligations, and distribute your assets. Your trustee must enforce all the provisions of any trusts you created. Choose someone who will have the knowledge, integrity and stamina to fulfil these obligations in the face of pressure from family members and lawsuits.
- If you have minor children, consider naming one guardian for your minor children and another for the property you've left to support them, this will help ensure that your child will receive the full amount you've left them when they come of age.
- Estate planning for your spouse or other sole survivor scenarios. If your net worth is high enough, your estate may be subject to taxes. A simple estate plan using trusts can save some individuals hundreds of thousands of dollars in estate taxes.
- Make sure you are leaving the right assets to the right people with the right protections and provisions. If your child or other dependent has special needs or has been irresponsible with money in the past, you may not leave wish to leave them with the money to handle on their own. Make sure any minors receive much needed management assistance along with the cash.
- Planning is even more difficult for business owners, who must plan for the succession and/or the buy-out of their business after they pass. Make sure any preparations that are needed for a smooth transition are taken care of.
- Consult a professional. This may seem obvious, but we do have to say it. Estate Planning is a complex and difficult subject for most people to take care of on their own, and simple mistakes can cost you and your family tens or even hundreds of thousands of dollars.
But Wait, There's More!
Got all those taken care of? Well don't relax just yet; there are still dozens of other questions you need to take care of before you're done. Have you protected your assets from all unnecessary taxes? Have you established trusts that will be safe from predatory lawsuits? Are your documents up to date with the ongoing changes in laws, policies and eligibilities? Have you made sure to secure a portion of your assets in case you need nursing home care or are you planning to try and give everything away beforehand? These are things you need to take care of before your planning is truly complete.
At the Estate Planning & Asset Protection Law Center, we provide a unique education and counseling process which includes our unique 19 Point Trust, Estate and Asset Protection Review to help people and their families learn how to protect their home, spouse, life-savings, and legacy for their loved ones, click here for more information. We provide clients with a unique approach so they understand where opportunities exist to eliminate problems now as they implement plans for a protected future.
We encourage you to attend one of our free educational workshops, call 800-964-4295 and register to learn more about what you can do to enhance the security of your spouse, home, life savings and legacy.

subset: commoncrawl


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180-Gram Dark Purple
All formats include instant MP3 and WAV download.
Mister Heavenly dabbled in love and affection on their first record, 2011's Out of Love. This time, however, Ryan Kattner, Nicholas Thorburn and Joe Plummer are in a scrappy mood as they embrace a tougher sound on the band's new album, Boxing the Moonlight.
"It seemed like it was a good idea to pivot from the subject matter of the first record," Thorburn says. "That was maybe a more emotional thing, and I think this record is much more physical."
The physicality is evident right from the start, in the hammering piano and terse rhythm that fuel opener "Beat Down," or in the buzzing chaos on "Dead Duck," a psych-heavy freakout that evokes the Monks. The experimental '60s garage-rockers aren't the only musical reference point on Boxing the Moonlight. Seventies Krautrock band Faust was a big influence while the songs were being written, as was the sound of hip-hop production in the late '80s and early '90s, which informed the deep groove of "Hammer Drop" and the spacious guitar sound on "Magic Is Gone." Meanwhile, "Crazy Love, Vol. III," is a smooth jam with an ulterior motive.
"My only hope is that 'Crazy Love' can be somebody's wedding song," Kattner says. "But the bride has a shiv hidden in her dress."
If it sounds eclectic, that's no coincidence, though Mister Heavenly's knack for catchy hooks ensures that it all hangs together with remarkable cohesion. "I personally hate albums where every song sounds the same," Kattner says. "It all makes sense in the grand scheme of things. People are complicated. People have a lot of different vibes running through them at any given moment."
If people are complicated, so was making Boxing the Moonlight.
Kattner and Thorburn started Mister Heavenly in 2010 as a chance to collaborate for the sheer fun of it, and they soon invited Plummer to join them. After releasing Out of Love in 2011, the band started work on their second album, snatching a few days at a time whenever their cluttered schedules allowed: Kattner is also known as Man Man visionary Honus Honus, Thorburn was busy with his bands Islands and the Unicorns (both now dormant), and Plummer plays with Cold War Kids and has worked with Modest Mouse and the Shins.
"Every time we got together, we had to continually relearn how to the play the songs," Thorburn says. "When we finally got into the studio, there was such a built up reserve of energy that we were ready to hit it fast and hard."
That fast-and-hard aesthetic also reflects a sense of place. "I don't know if it's cliché or not these days to have an L.A. record, but this feels like an L.A. record," Plummer says. Indeed, Kattner and Thorburn currently live in Los Angeles (Plummer is in Seattle). Kattner makes reference to the city in his lyrics, and Thorburn says he thought of L.A. as the setting for some of the characters in his songs.
It all adds up to make Boxing the Moonlight another successful pursuit toward one of the band's long-term goals.
"We're always trying to write the perfect little nugget," Kattner says, that will endure even into the dystopian future that looks more and more likely every day. Or, as he puts it, "When you find that melted jukebox, and that Mister Heavenly record is spinning, you're going to try your damndest to find a coin to put in it."
Under The Radar
"This is the wild, wonderful, and wacky world of Mister Heavenly. They have a knack for harnessing their whimsical energy while combining tight little nuggets of sound with various fragments from different styles and genres creating something entirely different that is exciting and fresh. Boxing the Moonlight is anexuberant journey through a hip musical funhouse proving that Mister Heavenly really is a super group."
Rolling Stone
"Remember when indie rock was funny? These guys do."
"The supergroup has managed to find time in their busy schedule to come together and record a stellar album of eleven dynamic songs. It is a gritty account that continues to draw from the doo-wop inspired sounds of their first album, but also adds new elements such as 60s surf rock, 70s grunge, 80s new wave rock and 90s pop."
"…They've crafted a far heavier, swaying and swaggering collection of ultra-catchy cabaret rock. Kattner's gruff vocals lay a gravel bed under which Thorburn flutters about - all inside bubbles of tight, churning guitars, and some rubber-bouncing percussion. At the three musicians' cores, though, is a knack for tight (if wacky) pop."
Paste Magazine
"...the album's ethos was really just to keep it interesting by recording a collection of songs that don't get bored of themselves. And the result is songs like "Dead Duck," which has a Nine Inch Nails-worthy grind, and "Beat Down," which tickles you with joyful piano and pop."
NBC San Diego
"Not every band can write a Krautrock and Dr. Dre-inspired pop-rock album and make it sound cohesive. Mister Heavenly can."
All Music
"For their follow-up, the band pulls from a more diverse sonic palette loosely centered around scrappy power pop with forays into synth pop, Krautrock, and even early-'90s hip-hop beats."
Consequence of Sound on "Hammer Drop"
"What results is a track that stalks with as much menace as fear, intimidating and anxious all at the same time without losing its dreamier textures."
Last.fm on "Beat Down"
"...it's bouncy energy proves that this is one of the most fun musical side projects around."
Stereogum on "Beat Down"
"...a propulsive piano-driven stomp.."
Under The Radar
"...they have an intestinal fortitude super power to eschew conventional rock wisdom and construct peculiar pop tunes rich in bouncy rhythms with crisp bass lines and bursts of energetic keyboards and tight guitar riffs."
Beat Down (3:15)
Makin' Excuses (4:21)Jason Tippet & Nick Thorburn
Hammer Drop (4:20)
Crazy Love, Vol. III (4:49)Caprice Castano & Ryan Kattner
Dead Duck (2:29)OMG Everywhere
You Might Also Like
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MemberAlso in...
Ryan Kattner
Nicholas Thorburn
Joe Plummer


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John Metcalfe
John Metcalfe was CityLab's Bay Area bureau chief, covering climate change and the science of cities.
In the future, cities will be larger, denser, and possibly striding on huge mechanical legs. But they could also be awash in a bath of unexpected scents like tropical flowers and artificial grape, popping with cuisines made spicier by climate change, and so overwhelmed with artificial light they glare like a "strip mall in outer space."
Those are possible realities dreamed up by Emily Schlickman and Anya Domlesky, associates at the international landscape architecture and urban design firm SWA. The duo, who helm SWA's new innovation lab XL in the Bay Area, became interested in forecasting the shifting sensorial experiences of urban enclaves after learning that California's iconic daily fog has cloaked the city for fewer hours since 1901. "Fog is such an iconic part of the Bay Area, and the idea it could dramatically decrease in the future could really impact how we experience and sense the city," says Schlickman.
Schlickman and Domlesky have investigated how what we hear, eat, feel, see, and smell could change under global warming, zoning quirks, and ever-advancing technology. Their hunt has taken them from New York to Houston to Shanghai, and is now culminating in a fascinating exhibit called "Urban Sensorium," opening August 30 at San Francisco's SPUR. The show will include artifacts from their travels, such as dried Chinese peppers and a chunk of noise-dampening highway. At its heart are five maps showing how certain neighborhoods might offer vastly different sense-experiences in the next 10 to 20 years.
"One of the elements that appeals the most to me is that the exhibition succinctly and efficiently analyzes how a singular element may change the future of a city—how quiet pavement could shape Los Angeles and the implications that might have, for example—but that those analyses also leave the door open for potentially different results," says Noah Christman, the public programming manager at SPUR who's producing the show. "I like to think that the exhibition is essentially gazing into a crystal ball that's showing us one of many possible futures."
Here are three maps the urban sense-o-nauts have produced. Others include one about San Francisco's warming weather possibly spreading drought but increasing tourism, and another postulating how the spread of LED street lighting could make New York a safer but more sleep-deprived environment.
Houston is heating up rapidly, with average summer temperatures expected to swell from 91 degrees to 97 degrees by the end of the century. Because a warmer climate means the air holds more water, the city is also experiencing frequent run-ins with rain bombs: instances of extreme rain have risen 167 percent in the last seven decades.
That makes a perfect environment for tropical plants to thrive. Domlesky and Schlickman followed their noses around Houston searching for pleasant, often-invasive species locals might expect to smell more of soon. They detected the delicately lemon-tinged note of honeysuckle, the "green-and-dry scent profile" of the Persian silk tree, and kudzu blossoms with odors nearly "identical to artificial grape flavoring."
While local gardeners often try to keep these aggressively competitive plants out of their yards, some of them might find welcoming nurseries in the city's bevy of neglected properties. Schlickman and Domlesky explain: "Houston has no formal zoning code.... As a result, the city is a random mosaic of residences, warehouses, and industrial areas, with vacant lots dispersed throughout. In the future, many of these abandoned parcels could become overgrown with spontaneous and opportunistic vegetation, providing the city with a sweet-smelling perfume." Look at the bolder-white parts of the above map, made by analyzing Harris County Vacant Parcel Data, to see where secret gardens of aromatic plants could take root.
L.A.'s raucous road system could soon become muted, partly due to the installation of more highway sound barriers and the city's plan to embrace quieter autonomous vehicles. But Domlesky and Schlickman are interested in another possibility that's pleasant on the ears—pavement that turns the clamor of speeding tires into a duller roar.
Noise-dampening pavement has shown success in the Netherlands, according to a Danish Road Directorate/Caltrans assessment deeming it the "first-choice measure because it attacks the problem at the source (tire-road noise) and it is often the most cost-effective measure of noise abatement." Caltrans studied implementing this technology more than a decade ago, though to date nothing major has been rolled out in L.A.
Check out the whiter portions of the above map, made with Soundscore data, to see where noise-killing pavement could tone down L.A.'s loudest areas. "Existing property values near highways could increase," write Domlesky and Schlickman. "The quieter highways and reduced noise could also mean better health outcomes for those already living nearby. Studies show noise can cause additional stress, disruption of sleep, and heart disease."
Shanghai is dotted with tons of farms and market gardens that provide produce for local cuisine, which Schlickman and Domlesky describe as being traditionally "soft-textured, mild, sweet tasting, and fresh with mellow fragrance." But Shanghai is also facing a scourge of hotter weather, which affects the plants: peach trees now bloom about two weeks earlier than in the 1990s, for instance. This abnormal warmth also threatens mustard greens and bok choy, and opens the door to more heat-tolerant crops like peppers that could drive cooks to experiment with spicier, Sichuan-leaning food.
To see where the city's prospective Pepper Belt might form, the mapmakers consulted Shanghai's plans for bolstering an agricultural "green ring," loosely indicated above in bright white, around the city center by 2020. The ring is meant to improve the city's reliance on home-grown agriculture, as well as boost air quality, and could become a prolific generator of tongue-scorching peppers.
Urban Sensorium is on view at SPUR from August 30, 2017 to March 1, 2018.
Cholera and tuberculosis outbreaks transformed the design and technology of the home bathroom. Will Covid-19 inspire a new wave of hygiene innovation?
Now more than ever, public transportation is not just about ridership. Buses, trains, and subways make urban civilization possible.
The coronavirus crisis stands to dramatically reshape cities around the world. But the biggest revolutions in urban space may have begun before the pandemic.
Will COVID-19 change how cities are designed? Michele Acuto of the Connected Cities Lab talks about density, urbanization and pandemic preparation.
For city residents, equitable access to local green space is more than a coronavirus-era amenity. It's critical for physical, emotional, and mental health.


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Caroline Woznicki Biography:
Country Denmark
Residence Monte Carlo, Monaco
Date of birth 11 July 1990 (1990-07-11) (age 20)
Place of birth Odense, Denmark
Height 1.77 m (5 ft 9 1⁄2 in)
Turned pro 18 July 2005
Plays Right-handed (two-handed backhand)
Career prize money US$ 7,696,846
Career record 232–88
Career titles 12 WTA, 4 ITF
Highest ranking No. 1 (11 October 2010)
Current ranking No. 1 (17 January 2011)
Grand Slam results
Australian Open SF (2011)
French Open QF (2010)
Wimbledon 4R (2009, 2010)
US Open F (2009)
Other tournaments
Championships F (2010)
Olympic Games 3R (2008)
Career record 30–43
Career titles 2 WTA, 0 ITF
Highest ranking No. 52 (14 September 2009)
Grand Slam Doubles results
Australian Open 2R (2008)
French Open 2R (2010)
Wimbledon 2R (2009)
US Open 3R (2009)
Caroline Wozniacki was born on July 11, 1990 in Odense, Denmark. She is a professional tennis player.
Biography and Career :
She is a seventeen years old tennis player who turned professional in 2005. She has Polish origins because her parents were born there. As a junior player she won in 2005 the Orange Bowl tennis championship and lost the final at Australian Open in 2006 to Anastasia Pavlyuchenkova.
After becoming professional she first participated at Cincinnati's Western and Southern Financial Group Women's Open, but was defeated by Patty Schnyder, who would finally win the title.
At the tournament in Memphis in 2006 she managed to win against players like Kristina Brandi and Ashley Harkleroad and reach the quarter-finals. It was the first time when she had such a
performance. She then lost to Sofia Arvidsson.
She won the Liverpool International Tennis Tournament and then she received a wildcard for Wimbledon but didn't qualify. At the Nordea Nordic Light Open in Stockholm in August 2006 she reached the quarter-finals again.
Read more: http://people.famouswhy.com/caroline_wozniacki/#ixzz1CoJMaxXZ
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|Directions: Use the SQRW (Survey-Question-Read-Write) Strategy to read the following informational article. Answer the questions and have the notes you have taken while reading this article reviewed by your parent or teacher.
A waterfall is usually a geological formation resulting from water, often in the form of a stream, flowing over an erosion-resistant rock formation that forms a sudden break in elevation. Waterfalls may also be artificial, and they are sometimes created as garden and landscape ornament.
Some waterfalls form in mountain environments where erosion is rapid and stream courses may be subject to sudden and catastrophic change. In such cases, the waterfall may not be the end product of many years of water action over a region, but rather the result of relatively sudden geological processes such as thrust faults or volcanic action.
Typically, a stream flow across an area of formations strata will form shelves across the streamway, elevated above the further stream bed when the less erosion-resistant rock around it disappears. Over a period of years, the edges of this shelf will gradually break away and the waterfall will steadily move upstream. Often, the rock strata just below the more resistant shelf will be of a softer type, and will erode out to form a shallow cave-like formation known as a rock shelter (also known as a rock house) under and behind the waterfall.
Waterfalls can also form due to glaciation, whereby a stream or river flowing into a glacier continues to flow into a valley after the glacier has receded or melted. The large waterfalls in Yosemite Valley are examples of this phenomenon.
Streams often become wider and more shallow just above waterfalls due to flowing over the rock shelf, and there is usually a deep pool just below the waterfall due to the kinetic energy of the water hitting the bottom.
(Source: Wikipedia.org)


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IQVIA™ is the leading human data science company focused on helping healthcare clients find unparalleled insights and better solutions for patients. Formed through the merger of IMS Health and Quintiles, IQVIA offers a broad range of solutions that harness the power of healthcare data, domain expertise, transformative technology, and advanced analytics to drive healthcare forward.
With our leading technology solutions IQVIA supports Pharma-, Med Tech- and Life Science companies around the world. While in the past we were focused primarily on the commercial processes of pharma and healthcare companies, we have expanded our portfolio through organic growth and acquisitions into the area R&D and regulatory compliance. Our strategy is to support our clients throughout their value chain "from molecule to market". Within this strategy, our Quality Management- and Regulatory Compliance solutions play an important role for our future growth.
This role forms as part of the business development and client service function in our German technology organization, aiming to serve as an Engagement Manager for multinational and local clients and Sales Specialist working together with our sales team on promoting and selling Quality- and Regulatory Compliance solutions.
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Making a positive impact on human health takes insight, curiosity, and intellectual courage. It takes brave minds, pushing the boundaries to transform healthcare. Regardless of your role, you will have the opportunity to play an important part in helping our clients drive healthcare forward and ultimately improve outcomes for patients.
Forge a career with greater purpose, make an impact, and never stop learning.


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Dear Clients!
We are pleased to announce, that you are now able to deposit your accounts on more favorable conditions. Forget about currency conversion losses!
AMarkets' clients will have the option to choose the base currency when opening a new account. USD and EUR are now available on Classic, Direct and ECN accounts.
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Raymond Hart, P.E., G.E.Vice President and Senior Consultant
Ray is a Professional Engineer with over 40 years of experience in water resources planning, development and facilities operations. During his tenure and leadership as President/CEO, GEI has grown from $100M to about $150M in gross revenue, has averaged about 13% in Pre-distribution Profit each year and staff has increased from about 600 to over 800 employees.
Ray help lead the effort to make GEI one of the leading geotechnical companies in levee evaluations, design and construction management. He provides Principal oversight and consulting on various projects requiring executive attention and helps develop strategies to win work and meet client expectations.
Prior to joining GEI in 2003, he served as Deputy Director at the California Department of Water Resources (DWR). Ray managed all aspects of the water and power utility operations of DWR's State Water Project (SWP), the provider of water supplies for over 600,000 acres of agricultural lands and nearly two-thirds of California's population. He provided oversight management of a diverse portfolio of energy resources, contracts and the bidding of ancillary services into the California Independent System Operator's markets to help minimize SWP power costs. Ray served as co-chair of the state/federal management agencies' CALFED Water Operations Management Team that addressed water operations and policy concerns of the Sacramento-San Joaquin Delta. He also managed California's flood control system and led its successful flood response efforts in 1997 and 1998.
Ray earned a B.S. in Civil Engineering from the University of California – Davis.
Sacramento, California
- Former Deputy Director of the California State Department of Water Resources
- Geotechnical Engineer: CA
- Professional Engineer: CA


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One would think maybe, just maybe, XTO Energy, faced with a peer-reviewed study by SMU researchers and a mountain of evidence that the company is causing earthquakes, would consider shutting down its fracking and disposal wells in Azle and Reno.
The SMU and federal research demonstrates pretty clearly that the swarm of earthquakes that struck Azle and nearby town Reno in 2013 were caused by fracking-related activities, namely wastewater disposal. The evidence was so convincing, in fact, that the Texas Railroad Commission, an agency that isn't exactly unfriendly to oil and gas interests, scheduled a hearing for XTO, where it would be forced to prove that the best thing for Texas, and the environment, was not to close the wells. The first of those hearings was Wednesday afternoon.
Andree Griffin, XTO's Vice President for geology and geophysics, told the commission that the quakes were the result of more that 600 million years of tectonic activity. That XTO has been able to successfully drill in the area at all, he said, is evidence that the geological environment under Azle has changed.
The SMU researchers stuck to their guns in a written statement, but declined to comment on Griffin's assertions specifically.
We realize the show-cause hearings for injection wells in the Reno-Azle area are taking place over the next two weeks. We view the hearings as a policy decision being made by the RRC that, in turn, has significant economic repercussions for the companies in question. We do not comment on policy. As such, we will not be providing comments on the hearings or on any non-peer reviewed science being presented at the hearings. We remain confident in the conclusions presented in our peer-reviewed publication, which was based on multiple lines of evidence. As always, we look forward to collaborating with government, industry and subject-matter experts.
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The hearings are set to continue through next week. You can watch them live, if you're so inclined, but you'll need RealPlayer to do so.


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Who We Are
Oak Hill Residential Care, a not-for-profit licensed residential care facility for the elderly, offers an affordable alternative to the high cost of long-term custodial care, one-third to one-half the cost. Oak Hill Residential care provides a home-like environment while providing the highest level of personal care.
Our modern buildings are built on 2+ acres of fenced and gated private grounds. Our buildings are designed to provide a quality living environment to residents including those who are disabled.
We will gladly provide care to residents that are incontinent, even if using a catheter; wheelchair bound, even if needing two-person assistance. Residents who require oxygen and those who are insulin dependent are welcome at Oak Hill Residential Care.


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Compare cheap flights to Belfast
Belfast literally means mouth of the sandbanks from the Irish term Béal Feirste. It is the largest city of Northern Ireland and its capital. It is also the 14th largest city in the entire United Kingdom. The city is known for so many tourist attractions, but is even more popular for having people who are huge sports fanatics.
When is the cheapest time to fly to Belfast?
There are two international airports serving Belfast. The Belfast International Airport is its main airport with several flights connecting Belfast to the rest of the world. The airlines flying are Thomson Airways, Thomas Cook Airlines, United Airlines, Easy Jet, and Air Europa. The other airport is the George Belfast International Airport. It serves fewer airlines with only a few routes, mostly domestic. Some of the airlines flying are Flybe, British Airways, Aer Lingus and Citywing. With these 2 airports serving the city, finding a flight is very easy. Of course, with its organized railway and public bus systems, you will never get lost.
Watch Sports with People from Belfast
People in Belfast love sporting events a lot. There are a lot of stadiums and sports centers that can be found all over the city. In fact, a lot of foreigners visit the city just to be a part of the loud cheers and screams of these sports fanatics. Among the most popular sports here are football, ice hockey, rugby, and cricket. You can also join the Belfast marathon that is held during the May Day.
A lot more exciting activities await you at Belfast if you book a flight via Skiddoo now.
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All prices refer to return flights to Belfast and include taxes and charges.
Our experiences customer support team is there to help you every step of the way.
With the Skiddoo Price Promise, if you find a cheaper price online we'll match it!


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By buying this product you can collect up to 1 loyalty point. Your cart will total 1 point that can be converted into a voucher of 0,25 €.
Castalia Dermopur Emulsion Fluide 30ml - The ally against facial seborrheic dermatitis
Usually delivered within 2-3 working days
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Transparent, thin lotion, ideal for the additional care of seborrheic dermatitis face, scalp and body, for adults, children and babies ninida.
effectively combines the enzymatic Lactoferrin - Lactoperoxidase system that regulates the secretion of sebum and Piroctone Olamine agent acting against fungus Pityrosporum Ovale, responsible for the appearance of seborrheic dermatitis.
The soothing the attribute of H.U.C.P. complex Hyaluronic Acid helps to restore skin balance.
Synthesis of high tolerance, ideal for even the most sensitive skin.
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Add shopping cart, click the right color button, and receive coupons.
Rubber Magic hair curling tool The natural appearance of the hundred variable shapes Non - damaged hair curl perm tool go party wave hair style assistant
SIZE:0.8 cm-2.0 cm
PACKAGE; 10 pcs/Bag
SELLING MODE:Wholesale \ retail\droping shipping
COLOR:orange,pink,blue,purple,green(or Random sending)
FEATURES: natural curly hair, no damage to hair
Applicable scen e:A salon special, a party, a trip, a bar
Please choose the size you want, color contact customer service or note in the order.
1.Is the price of the mobile phone the same as the order for the computer?
Mobile phone orders or shop fans enjoy an extra 2% discount
2.Can your products be sold wholesale?
of course. If you want to buy a lot of products, please contact us, we will give you the best price and the fastest logistics.
3.Is the product quality good?
Factory production, quality assurance
4.Do you allow me drop shopping these products?
Yes,We are passionate about serving every buyer who likes our products.
5.Received the goods, the package is damaged outside, the goods are damaged, how to deal with?
If you find the product damaged after receiving the package, please contact customer service immediately. We will re-deliver and reissue the damage caused to you. Compensation and other measures to solve all problems.
6.How is the size and color not exactly the same as the details page description?
Regarding the size, please allow a little error to exist due to the difference in measurement tools and manual operation.
Regarding the color, there may be a little chromatic aberration due to the intensity of the light taken. Please understand that.
The above two factors, the difference is very small. If you need to be particularly precise, please contact customer service
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please check carefully after receiving the package. If there is no problem, please give us 5 stars and share the product picture. So that more people can enjoy the happiness brought by this product. Similarly, we will also give you a good 5 star transaction buyer evaluation.
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We use official standard logistics. Safe and fast. Choose logistics according to the buyer's requirements. If you encounter a long time logistics information is stagnant, please contact customer service. Will seriously help you solve the problem.
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Selling through Ross's Online Jewellery Auctions
Ross's are seeking Jewellery from private collectors and trade. Our valuers offer friendly informed professional advice in the strictest confidence. In order to feature in one of our online auctions, we require the item for sale in our possession prior to sale.
Get a Valuation
If you have anything that you are considering entering into auction and you would like a valuation please either:
1. Complete the form on this website - click here
2. Email us at firstname.lastname@example.com
3. Contact us on 028 9032 5448
4. Visit us at our Montgomery Street office
Free Collection of your Jewellery
Ross's offer the free collection of your jewellery for auction from anywhere in the Uk and Ireland. In order to arrange collection please complete the form on this website or contact us on 028 9032 5448. To arrange free collection click here.
The standard commission for all items sold at Ross's Online Jewellery Auctions is 18.5% of the selling price. The commission is subject to VAT at the prevailing rate. There will be no administration fees attached.
Unless otherwise instructed in writing by the seller, all lots shall be insured under Ross's policy. A charge of 1.5% of the selling price is levied in accordance with our conditions of sale. Lots not covered under this policy remain completely at the sellers own risk.
Payment is issued approximately three weeks from the date of sale by way of cheque together with a detailed statement. However payment will only be made when all monies due from the buyer have been paid and cleared in accordance with our conditions of sale. All payments are made in sterling, unless otherwise instructed.
Photography & Illustration
Online photography and illustrations are inserted at the discretion of the auctioneer. The Vendor will be charged £6 for an insertion. All lots illustrated and not sold are exempt from any charges whatsoever.
VAT is charged on the above deductions at the prevailing rate.
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An exploration, through an interdisciplinary approach, of a number of issues related to making cities more sustainable in terms of environmental protection, economic opportunity, and social justice. The course assist students to develop skills in critical analysis and systems thinking and to use those skills in analyzing sustainability related problems and potential solutions, and to expand students' understanding of the political implications of crafting and moving towards a sustainable urban future.
Exploration of the different needs of diverse economic, racial/ethnic, and gender groups that live and work in cities, the historical background of differences, the impact of societal structures and group cultures, and how public and private policies do and can affect different groups.
No Catalog description available.
Basic concepts in statistics and probability; common data sources used in planning and policy analysis; thinking logically about policy problems and employing quantitative methods when appropriate; hands-on knowledge of Excel and SPSS software packages and elegant methods of computation in those environments; effective communicate of research findings; and specialized methods used in planning and policy analysis, particularly those designed to describe spatial and temporal phenomena.
Land use concepts and definitions: legal context for planning; markets and planning; planning for housing; community services, employment, utilities, and transportation; zoning; subdivision regulations; growth management; plan implementation.
What is planning? Who are planners? What do planners do? What do they know? Planning is inherently interdisciplinary, touching multiple policy domains in simultaneous, complex and often-conflicting ways. What binds practice and thought is the primacy of place and a commitment to the public interest. But even these concepts are contested. At was scale should we plan? Is there a singular public interest? Facts are often elusive and truths are multiple. Ethical issues arise and evolve constantly. A planner's personal history, approach, and values become central in managing their professional process, procedure, and practices. And all of this is happening in the context of rapidly changing demographics in urban suburban, and rural communities. This course is a first step to take on these big issues and conundrums. We will grapple with question such as: What are different substantive arenas and approaches to planning? How do political, economic, and institutional contexts matter to planning? How do we meaningfully work with, plan for, and engage with others (especially those different from us)? What are the sets of tools were can learn to facilitate a productive, meaningful, and fair planning process, even in situations of conflict. Through reading, large- and small scale- group discussions, guest speakers, case examples, and assignments, we will grapple with historical, political, and personal dimensions of planning practice. The course is less focused on actually doing planning and policy analysis. Rather, the course turns our attention to learning though case examples about the range of methods and tools available to planners, the tradeoffs inherent in choosing some over others, and the political and personal dynamics different processes create. The larger aim is to understand these elements and their limitations in relationship to a broader set of political systems and structures, with attention to race and class power dynamics in the United States.
This course is structured as an intellectual history of the planning field. We focus on key historical conjunctures in U.S. history and Anglo-American planning traditions. By studying planning thought in its historical context, we cultivate an appreciation for the ways in which planning is a reflection of societal values, our collective definitions of problems of place, and normative visions of the future. Theory is useful because it provides frameworks to make visible the otherwise-invisible expectations, assumptions, and judgments that shape our professional norms, decisions, and actions. In this way, the course aims to cultivate your skills as to be a "reflective practitioner," who is attentive to these tacit theories that you and others carry. Understanding planning practice and theory as culturally- and collectively-constructed challenges us to consider the ways that historic and current inequities in the distribution of power shape our places. What are the appropriate roles of government, non-governmental organizations, market actors, and individuals? How is planning expertise a reflection of or a force against the inequitable distribution of power? How does planning incorporate ideas of racial and social justice? We will examine these and other questions by reading seminal texts and learning about critical moments in the development of the field of planning. The goal is to place our current practice in its historical and intellectual context. To that end, each week we will identify the ways that the traces of historical thought are evident in contemporary practice.
Fundamental concepts and principles in microeconomics (such as utility, demand and supply, elasticity, opportunity cost, and substitution); b) economic theories such as consumer theory and production theory; c) market failures; d) theoretical and empirical understanding of urban functions, intra-metropolitan location of activities, and the role of metropolitan planning in a market economy; e) conceptual and analytical framework for studying the function and structure of metropolitan areas.
The interrelationship between transportation and land use. What are the impacts of various transportation modes on land use patterns, and how can land use solutions influence travel demand. The integration of transportation into master planning and site impact analysis. Using quantitative methods to understand the land use and transportation linkage.
Examines selected, key topics associated with growth management, defined as policies and strategies by which governments attempt to control the amount, location, pace, pattern and quality of development within their jurisdictions. The course places growth management in the context of domestic and international efforts to reduce greenhouse gas emissions, improve environmental quality, preserve critical land resources and wildlife habitat, promote "sustainable development", and address social equity issues.
Spatial patterns of employment and populations, and models of urban and regional growth and decline. Focus on application of economic theory and urban planning techniques to issues of local economic development and planning.
Planning, Architectural and Public Policy students are introduced to the real estate development process primarily from the point of view of the private entrepreneurial developer. It will include the steps in undertaking a real estate development from the initial concept to the property management and final disposition, the basic financial and tax concepts underlying real estate development, a review of national housing policy, including public-private partnerships, and solving specific real estate development problems using financial spreadsheets.
Analyses of planning approaches and methods that can help communities – particularly low income communities – become stronger, more cohesive, and more capable of serving their interests. Examines urban poverty; urban politics; history, concepts and practice of community development; and community development approaches and methods.
This course will provide introduction to the concept of resilience, particularly as it relates to supporting community resilience through hazard mitigation, adaption, and disaster recovery planning. This course will explore, through a multihazard approach, the necessary connection between recovery and mitigation. This course will highlight the concept of social vulnerability and the insidious ways in which some groups are disadvantaged in their ability to resist, adapt to, respond to, and recover from natural hazards and environmental threats.
Practical training in the use of such urban design software as Photoshop, InDesign, and Illustrator, AutoCAD and SketchUp.
Fundamental concepts, hands-on experience and real-world applications of such urban planning technologies as Geographic Information Systems (GIS), data visualization, 3D modeling, mash-ups, digital design tools, web surveys, photo/video sharing (web/video conferencing), crowdsourcing web publishing and tools, search engine optimization, blogs, Twitter and social networking.
Skills development in the use of advanced GIS methods, including CommunityViz, a set of software tools for visualizing, analyzing, and communicating about potential futures of a given community.
Introduction to theory and concepts useful in transportation policy making and planning, with emphasis on economics and finance. Development of basic understanding of transportation modeling and forecasting.
Public schools have served as a primary instrument to transmit, produce, and reproduce societal values and roles. Research has grappled with the role of schools vis-à-vis broader society, politics, and economy, and by extension, acknowledged the role that non-school institutions play in creating current educational conditions. This course explores the linkages between non-school institutions and public education. We will apply a spatial lens to the study of public education, grappling with the interrelated concepts of place and geography. Examining place focuses on locational specificities bound by jurisdictional lines, and includes characteristics of the built environment; demographic attributes of residents in a particular location; and social, political, economic, and institutional relations of those locations. Analyses of geography may be more abstract and operate at a higher level. They generally encompass larger scales, mobility across jurisdictional boundaries, and are less contingent on the specificities of micro-level built environments and social relationships in a particular location. Using this spatial lens will help deepen understanding of public schools as not only educational, but also social, political, and physical infrastructure. This course will also have a strong focus on practice, and grapple with questions about how policy is made and what barriers or opportunities exist for cross-sector collaboration at all levels of government. I am strongly committed to the relevance of this course for your own intellectual and professional development. The course will challenge you to think about how the readings and concepts can inform and transform your own practice as a planner, educator, and scholar.
The proliferation of data, technology and new analytical methods are changing cities in rapid and dramatic fashion. These changes have implications for the look and feel of cities, the behavior patterns of the people who inhabit them, and the decisions made by people who govern them. As cities become smarter, our understanding of them must evolve in a similar fashion. This course will introduce students to the concept of Smart Cities and their implications for the current and future development of urban areas. Students will learn about the history of urban development and when cities gained their sentience, how cities learn and grow their intelligence, and how these trends shape the lives of urban and rural dwellers alike. The course begins by introducing the "components" of the smart city: new and novel data sources (embedded sensor networks, crowdsourcing), new methods of (connected devices, machine learning, data science), and new ways of modeling, simulating, and visualizing urban phenomena. The second half of the course discusses how these components are changing the performance and experience of different aspects of urban life in areas like transportation, public health, criminal justice, and social equity.
URSP 688Z explores the changing patterns of immigration and ethno-cultural diversity that are shaping new geographies of race and immigration, and the various forms, meanings, and uses of urban space; explores strategies for improving planning processes, policies, built spaces, and the culture of planning to support an appreciation of and right to difference in the city and the ethical and equitable treatment for all residents.
Intensive community planning group field work, typically five days a week for four weeks. Often outside the USA. Application of class work to actual planning and policy challenges. Students seeking to meet the URSP studio requirement must also take URSP 706.
Intensive analysis and report-preparation of work completed in URSP 705 Held in College Park. Students seeking to meet the URSP studio requirement must also take URSP 705.
The studio course simulates the practice of planning in a real-world setting. It provides an opportunity for students to learn through doing, with faculty providing guidance rather than instruction, building on the students' previously-acquired knowledge, skills, and ability. Additional learning-which may include invited speakers, discussions, and library research-may be needed to further the project, but the format is more like on-the-job training than a lecture, seminar or laboratory class. Because each studio deals with dynamics outside the classroom, and because it involves group interaction, each is a unique experience. Even with the most careful preparation, unanticipated things may happen in the course of a project; learning to deal with them is part of the studio experience.
Formerly: URSP703. Credit will only be granted for one of the following: URSP703 or URSP709.
An advanced research seminar for M.A. and M.C.P. students preparing their final research projects.
Directed research and study of selected aspects of urban studies and planning. Repeatable to a maximum of six credits if the topics are significantly different.
Contact department for information on this course.
Directed thesis study. Contact department for additional information.
Relations between theory and practice in planning. Ways of developing and using knowledge in collective action. Challenges to organizing for planning, finding knowledge useful for planning and balancing social attachments with free inquiry.
Addresses fundamental aspects of research desing for Ph.D students in urban planning and policy-related fields. Topics include principles of research design, formulating a feasible hypothesis and identifying appropriate methodology for testing hypotheses eg. qualitative methods, quantitative methods, survey research. Writing of proposals and dissertation. Publication, presentation, and funding.
Introduces Ph.D. students to current metropolitan issues. Focus is on the historical development of the issue, problem definition, methodological approaches to its study, methodological dilemmas, and the ways that different conclusions are translated into policy. Topics vary from semester to semester but include such topics as the spatial mismatch hypothesis, the impact of urban design and form on travel behavior, the impact of technology on urban form, the justification for historic preservation, and sustainable development.


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The Rise of the Individual in Modern Chinese Society
edited by Mette Halskov Hansen and Rune Svarverud
304 pp.,
NIAS Studies in Asian Topics # 45
Available from NIAS Press worldwide
- Offers a conceptually acute and empirically sensitive analysis.
- An essential contribution to the current debate in sociology on 'modernity'.
In spite of the intense preoccupation with individual and self in modern Western thought, the social sciences have tended to focus on groups and collectives and downplay (even disregard) the individual. This implicit view has also coloured the study of social life in
What is actually happening, however, is a growing individualization of China – not only changing perceptions of the individual but also rising expectations for individual freedom, choice and individuality. The individual has also become a basic social category in China, and a development has begun that permeates all areas of social, economic and political life. How this process evolves in a state and society lacking two of the defining characteristics of European individualization – a culturally embedded democracy and a welfare system – is one of the questions that the volume explores.
A strength of this volume is that its authors succeed in depicting the individualization process in conceptually acute and empirically sensitive terms, and as something with its own distinctively Chinese profile. That makes this book a 'must read' for all those wanting to understand present-day Chinese society, with all of its ambivalences, contingencies and contradictions.
Moreover, the volume makes an essential contribution to the current debate in sociology about how the meaning of 'modernity' should be conceptualized and redefined from a cosmopolitan perspective.
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No matter where you are in the world, all NIAS Press books can be ordered through your local bookseller as well as from online booksellers such as Amazon. Libraries can order from their usual library supplier. You are also welcome to order direct from the NIAS Press distributor in your region (see list below).
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Press news
- Aug. 9 2019Carol Ann Boshier's book 'Mapping Cultural Nationalism: The Scholars of the Burma Research Society,1910-1935' has been shortlisted for the EuroSEAS Humanities Book Prize 2019. Congratulations!


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These are some of the errors which I came across while working on FTP server along with the solutions.
Error 1:
KERBEROS_V4 rejected as an authentication type
# ftp 10.10.10.90
Connected to 10.10.10.90
220 (vsFTPd 2.0.1)
KERBEROS_V4 rejected as an authentication type
# which ftp
Make an alias entry for ftp
# alias ftp='/usr/bin/ftp'
To make the change permanent i.e.even after restart
# vi /root/.bashrc
alias ftp='/usr/bin/ftp'
Error 2:
550 Create directory operation failed
Make sure the location where the user is trying to create a file or directory is having write permission for that user.
This error simply means the user is not permitted to create any file on the given location.
How to Fix " KERBEROS_V4 rejected as an authentication type" Reviewed by admin on Monday, August 13, 2012 Rating:


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We have regular music evenings in the pub. The Stag has been the go-to venue in the Old Town for traditional and acoustic music for many years, and we are proud to maintain that tradition. Look out too for our live bands (always free) – we book at least one every month, usually on a Sunday afternoon. Details of all gigs can be found on our Facebook page - like us on Facebook and Instagram for real time updates.
Mondays - The Stag Quiz Night
8pm - 10pm
Come and face the challenge if you dare. Nick's themed questions range across all topics - some are easy, other will challenge even the hardcore quizzer. Super prizes and a splendid evening guaranteed
Please call to check if the quiz is running on a Bank Holiday.
Tuesdays - Folk sessions
8.30pm - 11pm
Hastings has an extraordinary wealth of brilliant musical talent and the Tuesday folk sessions showcase them at their uninhibited best, playing live for the joy of the song, with contributions from visitors and guests welcome.
This session has been around for more than forty years, and you will be hard pressed to find anything like it anywhere else. Never the same, always fun.
Wednesdays - Old time Americana/Bluegrass sessions
8.30pm - 11pm
Come and join the boys for an evening of country and bluegrass music – with (optional) dancing and impromptu whoopin' and hollerin' (often from behind the bar …). Guitars, banjos, sensational stand-up bass and the occasional fiddle all make appearances on this eclectic musical evening.
This authentic good time is a unique experience – why not book for dinner and stay for the session?
Thursdays - Song sessions
9pm - 11pm
On the first Thursday of every month Dale Smith hosts a convivial open folk acapella song session in the dining room after dinner. Come and open your lungs and join in, or just sit and listen to an entrancing evening.
On the second Thursday our barman and Hastings legend (or so he tells me..), Mark Weaver, hosts an anything-goes song session. Folk flavoured but encompassing all styles and even the odd guitar. It's an evening of great music and enjoyable banter.
On the third Thursday of every month we are joined by RATTLEBAG, a local acapella singing group with a growing reputation. This ladies only singing group have reduced grown men to tears ….
On the fourth Thursday of the month it's the turn of John Revell who hosts a Folk and Blues Club. Musical accompaniment welcome. An intimate (although sometimes raucous) evening of music and song held in the back bar of The Stag.


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Kimberly L. Curtis, CFP®, ChFC, CLU, CAP, AEP, MSFS
Currency Fluctuates. Value Does Not.Wealth Legacy Institute, Inc.
DescriptionKim is president and CEO of the nationally recognized financial planning firm, Wealth Legacy Institute. Her groundbreaking work in developing a highly personal client-centric planning model was recognized in the Journal of Practical Estate Planning in 2010, winning the Editor's Choice award. This model is the cornerstone...Read Full Bio of her firm's holistic and highly successful approach to financial planning. Prior to founding Wealth Legacy Institute, Kim was a senior financial advisor at American Express Financial Advisors from 1992 to 2007. She was regional vice president of the American Arbitration Association from 1985 to 1992. During that time she opened the Salt Lake City office and raised awareness in the Rocky Mountain region on alternative dispute resolution. Kim has attained numerous professional designations recognized by the financial planning industry as having achieved the highest level of competence and expertise in comprehensive financial planning. Additionally, Kim's education includes an MSJA from the University of Denver's Sturm College of Law, an MSFS from the American College in finance and a B.A. from Elmira College in judicial administration. She is the past president of the Women's Estate Planning Council and currently serves on the Alumni Board of Elmira College. Read Less
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950 South Cherry Street SUITE 505
Denver, CO 80246
Advisor Services
Financial Planning
- -Retirement Planning
- -Tax Planning
Portfolio Management
- -Individuals and/or Small Businesses
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|Wealth Legacy Institute, Inc.
|12 years, 8 months
|Aug 2007 - Present
Designations & Memberships
Financial Planning AssociationMembershipThe Financial Planning Association (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models. We help connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.
National Association of Personal Financial AdvisorsMembershipNAPFA, the National Association of Personal Financial Advisors, is the nation's leading organization dedicated to the advancement of Fee-Only comprehensive financial planning. Consumers and the media look to NAPFA for access to financial advisors who meet the highest standards for professional competency, comprehensive financial planning and Fee-Only compensation.
Accredited Estate PlannerDesignationThis accreditation acknowledges designees their experience and specialization in estate planning.
Certified Financial PlannerDesignationA standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.
Chartered Financial ConsultantDesignationInvididuals holding this designation understand the fundamentals of financial planning, including income tax, insurance, investment and estate planning.
Chartered Life UnderwriterDesignationA prestigious certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.
Articles and Answers
Insights by Kimberly Curtis
*Articles are published by advisors without compensation.
AnswersAsk a financial questionAsk a question
|What can I do to stop or reduce the amount of "HARD HIT" a company or business when thhey pull my credit history?
Edwin, depending on your situation, a credit report "freeze" may be appropriate. Placing a "freeze" with each credit bureau (Equifax, Experian, and TransUnion) prevents third parties from accessing your credit score. There may be a small fee associated with doing this which varies by state. Keep ...  (more)
Answered Sep 2012
|How do I choose the best sponsor/provider?
Juanita you do not need an advisor to establish a 401(k) plan. Take a look at www.sharebuilder401k.com which is through ING Direct to get a quote. It is easy, affordable, with quality investments. If your company is a member of Costco an additional discount may apply....  (more)
Answered Oct 2012
|How many of you have read, Trusted Advisor?
Yes, I have read this outstanding book, The Trusted Advisor, by David H. Maister, Charles Green and Robert Galford. The client often enters into a relationshp with an advisor with a high state of anxiety. What's worse, the client's caution and trepidation is reinforced by the fact that outside pro...  (more)
Answered Oct 2012
|How important is it for both spouses to have good credit when buying a home?
There are no hard and fast rules on how lenders treat credit scores on joint applications for mortgages. This can make it difficult however, lenders generally place more emphasis on the credit score of the higher wage earner. Lenders look your FICO score to assess the creditworthiness of you and y...  (more)
Answered Oct 2012
|Should I convert my traditional 401k to a Roth 401k because of the new fiscal cliff deal?
Frank, way to be ahead on the fiscal cliff small print! At age 27 converting and then contributing into a Roth 401(k) has many advantages. The key is the ability to pay for the conversion with outside assets. Please consult your tax advisor on the consequences of such strategy....  (more)
Answered Jan 2013
|How should I plan for my retirement if my employer doesn't offer retirement benefits?
In many cases, your first step should be to open an IRA and contribute as much as possible each year. Earnings grow tax-deferred and offer long-term growth opportunities similar to that of employer-sponsored retirement plans. In addition, you might qualify for tax-deductible contributions.Anothe...  (more)
Answered Feb 2013
|I am fairly certain my company will file for bankruptcy in the next 90 days. What should I do now to protect my 401K assets? How do I stop participating in my company's 401K. They nolonger contribute to my 401K.?
The good news is your company doesn't own your 401(k). So even if the company goes bankrupt, you will be able to keep the vested portion of your 401(k) assets. Vested assets are typically any contributions you have made. Employer matching programs will often have vesting requirements around the m...  (more)
Answered Oct 2012
|I am a Verizon employee with roughly 150k in our 401k and contribute about 10% annually. I'm concerned about market instability for the next several months and am seriously considering going ultra conservative in my investments. Do you think this is a good/bad idea and do you have any other advice?
Stefan, bad idea. Short term volatility is desireable when you are "systematically" buying for your long term retirement objective. Buying when things are "on sale" are way more attractive than paying full price. At 40, your reitrment goal is 20+ years away. Your retirement account is the invest...  (more)
Answered Nov 2012
|Sheet Metal Form 5500 information?
Brian, the Department of Labor, Internal Revenue Service, and the Pension Benefit Guaranty Corporation jointly developed the Form 5500 Series so employee benefit plans could satisfy annual reporting requirements under Title I and Title IV of ERISA and under the Internal Revenue Code.The Form 5500 i...  (more)
Answered Oct 2012
|Considering refinancing at 15 year at 2.75% or 30 year at 3.5%. We can afford the 15 yr and still contribute to retirement accounts but with rates so low I am leaning toward the 30 yr and investing the difference. Is this a good plan?
Max it sounds like you are asking yourselves the right questions. As planners, we like to plan for the certainty of uncertainty. Therefore, based on the possibly that you may not be staying in the home for a long period of time, and your tax bracket, the 30 year note and redirecting the difference...  (more)
Answered Jan 2013
|I have a 401k to roll over and would like to do a check/owner controlled plan. what are my best options?
Stephen if you contact your plan administrator to initiate your rollover you will be able to provide guidelines as to where to direct your rollover. If the administrator cuts a check in your name versus the name of your new self-directed custodian, then be aware that you have a limited time to depo...  (more)
Answered Dec 2012
|My mother got into a car accident and can not make decisions on her on. i am currently her power of attoney. how can i cash out her 401K to pay for her expenses?
I am very sorry to hear about your Mother's car accident and the possibility of her long-term disability. Call the plan administrator to determine what they need from you as Power of Attorney to initiate a withdrawal. The phone number would be on her most recent 401(k) statement. If your Power of ...  (more)
Answered Jan 2013
|How do I close out my account?
Darrell, when you separate from your employer they will provide you a packet that provides retirement asset options to determine whether you want to close out and receive all your money or rollover into an IRA. Otherwise, contact your Human Resource Dept. or retirement plan administrator to initiat...  (more)
Answered Jan 2013
|I worked for ssc service solutions 8 years ago and im trying to locate my esop plan . my adress has changed and i dont receive statements. how do i locate my plan.?
Hi Reuben,You may want to try contacting the Human Resources department at SSC Service Solutions. The e-mail address of the most recent contact person in HR is firstname.lastname@example.com. An e-mail explaining your situation should get the ball rolling. Hope this helps!-Kim...  (more)
Answered Dec 2012
|I have been employed by the Boys and Girls Clubs of Greater Fort Worth for almost 12 years, I've forgotten who I have listed as my beneficiary. Can you help me?
Connie,It sounds like you are a participant in an employer sponsored retirement plan. If you can find a statement from the plan see who the plan administrator is and get in contact with that person. Otherwise, call the administrative office for the Boys and Girls Club of the Greater Fort Worth ar...  (more)
Answered Dec 2012
|I am a former employee of South County Hospital. I would like to speak with an advisor to see the status of the fund, and discuss what to do to maximize growth, since no money is going into the account presently.
Please direct me as to how to make?
Diane, when you left South County Hospital you may have received a separation of service packet outlining your benefit options. This packet would have included your choices around your retirement plan. Call your former Human Resource personnel at the Hospital to get access to your plan. Do you ha...  (more)
Answered Jan 2013
|I worked for BFI/Waste Industries of Chesapeake, VA for 17 years. I had no accidents, no complaints from customers, coworkers, supervisors in all of these 17 years. I was fired because I had unexpected car trouble. I was working towards buyig a new vechicle. I lived about 30-40 miles from the jo
Herbert, I am very sorry to hear about your firing from BF/Waste Industries. Seventeen years of no complaints and no accidents is commendable! Do you have a specific question regarding your retirement plan there? I wish you strength as you journey into new employment opportunities....  (more)
Answered Dec 2012
|The company that I work for provides me with a 401K plan. There is no "matching" of contributions. Is it to my advantage to contribute to this rather than a Roth IRA of my own, where I have control over the funds?
Donna, the answer is...it depends! If you are disciplined and truly redirect your retirement savings to an outside Roth IRA with low cost investment vehicles to your maximum contribution and then redirect excess back to your 401(k) to reach your maximum contribution with your "catch up" contributio...  (more)
Answered Dec 2012
|My employer offers target date funds in our 401k. How do these funds work?
A target date fund is an investment that has a set future date to which it tailors its asset allocation. It combines stocks, bonds and other investments into a single fund. For example, a 2030 target date fund will have an asset allocation that is heavy on stocks and light on bonds. This is an ag...  (more)
Answered May 2013
|Can I retrieve my 401 K from Samuel Merritt?
Hi Michael,You have a couple different choices to how you want to manage your old 401(k) plan. You can leave your balance with the old plan if they offer a good variety of low-cost, solid-performing investment options. If not, you are better off rolling it over to an IRA or to your new employer's q...  (more)
Answered Jul 2013
|My 401k plan is invested in stock from non public company. I am no longer with the company andI need to make a hardship partial withdrawl. Ihave told by the plan administrator that company policy is that former associate have transfer the account to another firm. I still want the remainder of the of
Jamil thank you for your question. It is so difficult to navigate through the 401(k) maze. As someone who is currently unemployed and at this time with no health insurance, it may not be your best time to worry about plan fees. Sounds like your former employer, to create liquidity, needs you to m...  (more)
Answered Feb 2013
|I will have two children in college this fall and need to find a way to pay for their tuition. I have a 401(k) through my employer that I am considering taking a withdrawal from. Should I use my 401(k) to pay for their college education?
Meghan,There are two primary drawbacks to using your 401(k) for college funding. First, if you withdraw funds from your 401(k) before you are 59½, you may owe a 10 percent premature distribution penalty on the withdrawal. This penalty is in addition to income taxes you will owe on the withdrawal. S...  (more)
Answered Apr 2013
|I have 3 IRAs with 3 different firms, invested in 30+ stock funds. Would consolidation be a good move or will fees hurt?
Reed, good job holding on through the recession! Now is the time to consolidate to create a globally diversified, low cost portfolio. If designed right, it may more than offset any management fee. Keep up the good work!...  (more)
Answered Mar 2014
|From a tax perspective, what is the difference between a 401K and an IRA account?
William they are both tax-deferred and therefore operate the same from a tax perspective. A 401(k) is tax-deferred from a payroll deduction while an IRA is tax-deferred from an annual contribution....  (more)
Answered Mar 2014
|I am a Canadian citizen living in California & I own Canadian retirement accounts.
Anne, As a result of moving to U.S. I would not suggest any rollovers of your Canadian RRSP's to U.S. IRA's or similar retirement plans, since such a transfer would be considered a distribution under Canadian law, and would trigger taxation in both countries under the United States - Canada Income ...  (more)
Answered Mar 2014
|Where does RIA charge his fees from (fee only)?
Joseph,The fee-only advisor will usually take the investment management fee out of the investment that he is managing....  (more)
Answered Mar 2014
|Who do i have listed as my beneficiary?
Mansel, call the number on your 401(k) statement to get your beneficiary information. If statement is not available, contact your employer's Human Resource person to get number or information. Hope this helps....  (more)
Answered Mar 2014
|As a former employee of Wal-Mart, how do I find out if I have anything left our can cash out?
Megan, consider calling Wal-Mart human resources. With your Social Security number they should be able to answer your questions....  (more)
Answered Mar 2014
|Where can I compare fees charged for my IRA accounts like you show for the 401s?
Judith, unfortunately it is more difficult to identify your hidden costs in an IRA, which is why Brightscope is so valuable. You have to dig to find all your fees. I would be happy to identify you internal costs of your IRA and give you an objective summary of "total" costs. Just let me know....  (more)
Answered Mar 2014
|I have a very old account number, how do I find out if it's still open?
Hi Gayle,If you have a statement with that account number, call the provider of your 401(k) and give them your account number or your Social Security number to see if you still have money there. Otherwise, call your former employer, if possible, to ask if they would provide the phone number of the...  (more)
Answered Mar 2014
|Should I contribute to an IRA if I'm already contributing to a 401k? I'm 31 years old 8% will get me the full comp. mat.
Travis, I am unclear as to the advantage of reducing your 401(k) to contribute to an IRA. There is no advantage .... unless your 401(k) is filled with expensive actively managed mutual funds. Then a low cost IRA index may be a good choice. Otherwise, I would see if your 401(k) plan offers a Roth ...  (more)
Answered Dec 2014
|I signed up for a one time lump sum retirement and wondered when will it be mailed and will it come registered mail?
Brian, it will not come registered mail. Watch your mail over the next week to make sure it does not get lost in the holiday junk mail. if you are rolling your 401(k) assets into an IRA and they are mailing the check to you for you to deposit into your new custodian, you only have 60 days to depos...  (more)
Answered Dec 2014
|I received a gift of $10,000. Should I open a new Roth IRA, or increase my contribution to my employer's Roth 401 K ?
Dwight congratulations on your gift! Why not do both depending on your income. ...  (more)
Answered Dec 2014
|I recived a check from the retirement service i moved and didnt cash check in time will i still be able go get the mony?
Yes Letty, it is still your money. You'll need to follow back up with your retirement plan provider to issue you a new check. ...  (more)
Answered Dec 2014
|Will the dollar colaspe and lose its global currency status?
Phillip that is an interesting question. Curious as to what you think? With any republic or democracy and it's currency the possibility of collapse exists. The U.S. since Nixon has been off the gold standard to fund the Vietnam war. When you have no commodity behind your currency, and you are pr...  (more)
Answered Jun 2014
*Answers are submitted by advisors without compensation.
Advisor Links
A Picture That Tells a Family's Thousand Words
Kim Curtis and David Berman demonstrate how an organized pictorial depiction- called a genogram- of various factors relating to a family's members, history and interpersonal interactions can greatly aid the family and the planner in the process of family legacy planning.
Licenses & Conducts
U.S. Securities and Exchange Commission
license statusRegistered
as of dateMar 8, 2020
license statusNot registered
as of dateAug 2, 2017
Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:
Wealth Legacy Institute, Inc.
Last updated on Feb. 27, 2020
$358.9MTotal Assets Under Management
$0Total Assets Under Advisement
174number of clients
$2.1MEstimated Average Account Balance Per Client
Fee Only Advisor
This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.