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Wealth Education Fellows
Fellows of the Institute include those advisors that have met credential requirements and have received a "Fellow" certification from the Wealth Education Fellows Board. They are uniquely prepared to educate and serve advisors and clients through their own regional representation of the SCI platform. Collaboration between SCI Fellows allows each of us to better serve the Wealth Strategies planning needs of our clients. They also continue to share and teach with other Fellows and Members.
Understanding SCI – Videos from our Fellows
Fellow Profiles
Lori Adasiewicz-Palmatier, Esq.
Partner, Bay Laurel Law Group, LLP
Ms. Adasiewicz-Palmatier is a wealth strategies attorney and partner with Bay Laurel Law Group, LLP in San Mateo, CA. Lori has practiced exclusively in the areas of estate and business planning and administration since 1998, when she earned her JD from Hasting College of the Law. Lori serves on the Board of the Peninsula Estate Planning council and is a Laureate Circle Member and Fellow of the Southern California Institute.
Location: 533 Airport Blvd., Suite 400, Burlingame, CA 94010
Phone Number: 650-525-0234
E-Mail: firstname.lastname@example.com
Website: BayLaurelLaw.com
Lori on SCI
Lori on Bay Laurel Law
Gregory R. Banner, CFP®, CLU®, CRTP
Vice President – Asset Preservation Strategies, Inc.
Mr. Banner, Vice President of Asset Preservation Strategies, Inc., received his Bachelors Degree in Business Administration from Oregon State University in 1987, specializing in Finance and Economics. He then obtained his Series 7 securities license and began working as a Registered Representative in the securities industry.
In 1993, he joined Asset Preservation Strategies as a Financial Planner and in 1999 he completed his CERTIFIED FINANCIAL PLANNER™ professional studies through the College of Financial Planning in Denver, receiving the right to use the CFP® mark of distinction.
Greg is also licensed as a Registered Investment Advisor with Asset Preservation Strategies, Inc. and is fully licensed as an insurance broker. He obtained his Registered Tax Preparer license with the State of California in 1995, allowing him to prepare income tax returns and give tax advice on investments.
In 2001, Greg graduated from the Advanced Wealth Strategist Planner program of the Esperti Peterson Institute at Michigan State University. He received his Chartered Life Underwriter (CLU®) designation in 2006. Greg is a Fellow of the Southern California Institute and teaches financial, tax and business planning locally and nationally on a regular basis. He serves as an expert resource for the media and has been quoted in the San Diego Business Journal, Wealth Manager magazine and Research magazine.
Greg specializes in working collaboratively with all of the clients' advisors, providing complete planning services which include advanced business planning, business exit strategies, investment management, advanced executive planning, retirement planning, tax reduction strategies, insurance and estate planning strategies for both individuals and businesses.
When not at the office, Greg can frequently be found as a professional sports photographer, on the sidelines of various sporting events. He has photographed for many organizations and his work has appeared on everything from baseball trading cards to Sports Illustrated Magazine. Greg also enjoys spending time at the beach with his family and participating in many outdoor activities.
Location: 3636 Nobel Drive, Suite 440, San Diego, CA 92122-1042
Phone Number: 858-455-1825
E-Mail: email@example.com
Website: Asset-Preservation.com
Greg on SCI
David K. Cahoone, J.D., LL.M.
Highest professional ranking (AV) by Martindale-Hubbell. Admitted to Florida Bar, 1985.
Eckerd College (Bachelor&aposs Degree in Political Science, 1981)
Western New England College School of Law (Juris Doctor, 1985)
University of Florida College of Law (Master of Laws, "LL.M." in Taxation, 1986)
- From 1992 to Present Principal in the law firm of David K. Cahoone, PA.The David K. Cahoone, P.A., Law Firm has an Of Counsel relationship with Johnson, Browning & Clayton.David was born and raised in Southern New England. He has lived in Sarasota since 1991. He focuses his practice on helping individuals, families and business owners develop and implement plans to achieve their unique goals and objectives.Individuals, families and business owners have different planning needs. Each will be concerned with bringing order to their affairs as well as passing on to loved ones their goals, values, and passion for life's important matters.Families of modest means need to provide for their physical and financial concerns, as well as long term care. Families who are members of the great American middle class need to protect their hard-earned assets, to take advantage of planning available under existing tax laws, and to create opportunities for their children and grandchildren. Affluent families must concern themselves with the same issues, as well as the stewardship of their wealth, their enduring significance and impact on society, and the responsibilities they wish to pass on to their family members.David looks forward to working collaboratively with other attorneys, CPAs, financial advisors, and insurance professionals to serve the specialized planning needs of individuals, families and business owners.
- From 1996 to 2008 Partner in the law firm of Esperti Peterson & Cahoone and a member of the estate planning consulting firm of Esperti Peterson & Cahoone Consulting, Inc. Esperti Peterson & Cahoone limits its practice to high net-worth individuals throughout the United States whose estates typically are in excess of $25 million.
- From 1996 to 2004, Professor in the three-year, post-doctoral Masters Program provided through the Esperti Peterson Institute to train selected estate planning attorneys, financial advisors and accountants in sophisticated estate planning strategies.
- For four years, the host, moderator and faculty member of Advanced Studies for Estate and Wealth Planning, a one-year program provided through the Esperti Peterson Institute to train attorneys in advanced planning strategies.
- Owner and faculty member of the Advanced Wealth Studies Institute, LLC, providing high quality custom educational programs, presentations and assistance to financial advisors, attorneys and insurance professionals to promote excellence in estate, financial and wealth strategies planning.
- Faculty member of the Chartered Wealth Advisor (CWA) Program which provides ongoing education and support to financial advisors. The CWA program is offered through the Academy of Multidisciplinary Practice and is accredited by The Estate and Wealth Strategies Institute at Michigan State University.
- Past President and Director of Education for The Esperti Peterson Institute.
- Sarasota County Bar Association
- Florida Bar Association (Member, Sections on: Business Law, Tax Law, Real Property, Probate and Trust Law).
- WealthCounsel
David is a frequent speaker at local and national programs attended by attorneys, financial advisors, CPAs and insurance professionals. He teaches on many areas of wealth strategies planning and the effective collaboration of professionals to provide the support and advice needed in today's complex world.
- Protect and Enhance Your Estate; New York: McGraw-Hill, (2012)
- The Objective Guide to Estate Planning and Life Insurance; Sarasota: Quantum Press, (2012)
- Strictly Business: Planning Strategies for Privately Owned Businesses; Denver: Quantum Press, (2002)
- The Living Trust Workbook: How You and Your Legal Advisors Can Design, Fund, and Maintain Your Living Trust Plan and Secure Your Family's Future; New York: Viking-Penguin, (2001)
- How to Work Ethically With Other Professionals; Broker World, (September 2002)
- Post EGTRRA Life Insurance Planning; The Tax Advisor, (August 2002)
- The State of MDP; Estate Planning Magazine, (June 2002)
- The Impact of the Economic Growth and Tax Relief Reconciliation Act of 2001 on Existing Planning" Journal of Financial Service Professionals, (March 2002)
- "What's New in Estate Wealth and Transfer Planning" The Southern Arizona Estate Planning Council, Tucson, Arizona (April 2006)
- "Interdisciplinary Practice: Working Together with Other Professionals" The Financial Planning Association Orange County Chapter, Irvine, California (November 17, 2004)
- "Funding the Purchase of Life Insurance in 2004 and Beyond Using Language Techniques Including Limited Partnerships, GRATs, CLATs and Sales to IGTs." School of Life 2004, Orlando, Florida (October 29, 2004)
- "Integrating GRATs into Estate Plans in 2004 and Beyond" Wealth Counsel, Chicago, Illinois (October 22, 2004)
- "In's and Out's of the Charitable Lead Trust" National Committee on Planning Giving, Dallas, Texas (October 16, 2004)
- "Planning with Charitable Lead Trusts" The Institute for Dynamic Wealth Innovation, Chicago Illinois (July 24, 2004)
- "Motivating Clients in Uncertain Times" Wealth Counsel Spring Conference Plenary Session, Las Vegas, Nevada (April 30, 2004).
- "Tax Law Updates" "Dealing with IRS Issues Regarding FLP& and LLC"
- "Testamentary Charitable Lead Trusts," "Ethical Issues in Estate Planning" The Teton Institute, Nashville, Tennessee (March 19 & 20, 2004).
- "Current Developments in Estate Planning" The Southern California Institute, San Diego, California (January 30, 2004).
- "Motivate Your Clients to Plan Today Using Charitable Lead Trusts" The Southern California Institute, San Diego, California (June 5, 2003).
- "Changes Impacting Financial Planning Advisors and their Clients" Minnesota Society of Financial Service Professionals (May 2003).
- Two Day Charitable Lead Trust Workshop, NNEPA Spring 2003 Collegium, Orlando, Florida (April 28 – 29, 2003)
- "Planning for Constant change – the 2001 Tax Act" NNEPA Spring 2003 Collegium, Orlando, Florida (May 3, 2003).
- "Planned Giving Made Simple" Ronald McDonald House, Orlando, Florida (April 30, 2003).
- "Planning and Drafting Under Repeal (Or Not)," "Current Developments in Estate
- "Planning" Anaheim, California Winter Education Forum (February 5, 2003).
- "MDP Coming to a Jurisdiction Near You" NNEPA Spring 2002 Collegium, Reno, Nevada (April 13, 2002).
- "Planning under the 2001 Tax Act" NNEPA Fall 2001 Collegium, Minneapolis, Minnesota (October 31, 2001).
- "HR-8 Will it Repeal the Estate Tax" NNEPA Spring 2001 Collegium, San Diego, California (May 1, 2001).
- "The Future of Multidisciplinary Practice (MDP)" National Association of Philanthropic Planners, Conference on Philanthropy, Albuquerque, New Mexico. (November 2001)
- "The Dynasty Trust" The Suncoast Advisory Group, Sarasota, Florida (March 2000).
- "Charitable Lead Trusts" MDP Virtual University – Estate Planning Course. www.mdpacademy.com
- "Ethics: Working with Other Professionals" MDP Virtual University – Business Succession Planning Course. www.mdpacademy.com.
- "Planning Under the Tax Relief Act of 2001" MDP Virtual University – Estate Planning Course. www.mdpacademy.com.
- "Net Unrealized Appreciation" with Robert Keebler, AICPA Webcast.
David has been featured or quoted in many media publications or forums including:
- Money Matters Financial Network Radio, Nationally Syndicated
- BCENTRAL Radio, Legal Steps A New Business Owner Needs To Take Before Opening Their Doors
- One for the Money Radio
- Common Ground, WZLX-FM Radio/Boston, MA
- Microbusiness, KCEP-FM Radio/Las Vegas, NV
- Wake Up Call, WFTW Radio/Pensacola, FL
- WBZ News Radio/Boston, MA
- AP Broadcast Radio, Nationally Syndicated
- KFWB-AM Radio/Los Angeles, CA
- First Biz Television Studio/New York
- CABLETALK Radio Network, Nationally Syndicated
- KUIK-AM Radio/Portland, Oregon
- AM Chronicles Radio, Nationally Syndicated
- Associated Press Radio
- Working in Tandem, by Lynn Vincent, Advisortoday.com The Financial Planning Association's News, May 2003
- Fighting Family Feuds, CNN Money Online, www.money.cnn.com, May 17, 2002
- 4 Steps to Legally Protect Your Startup, Michelle Collins for CanadaOne.com
- Sunset Clause Is Bushwacking Estate Planning, By Karen Krebsbach, Bank Investment Marketing, September 2001
- Let the Buyer Beware of One-Stop Shopping" Financial Times, August 30, 2001
- "Charitable Trust Compendium" Denver: Esperti Peterson Institute, 1994.
- "Joint Trusts are a Good Planning Tool for a Married Couple" Estate Planning, May/June 1993.
- Generations: Planning Your Legacy. Denver: Esperti Peterson Institute, 1998.
- Irrevocable Trusts: Analysis with Forms. Boston: Warren, Gorham & Lamont, 1998.
- Wealth Enhancement & Preservation: Practical Answers from America&aposs Experts. Denver: Esperti Peterson Institute, 1994. 2d edition, 1996.
- LEGACY:Plan, Protect & Preserve Your Estate. Denver: Esperti Peterson Institute, 1996.
Married to Donna with two energetic and always curious daughters, Sarah Jayne and Samantha Emily.
Location: One North Tuttle Avenue, Sarasota, FL 34237
Phone Number: 941 951-0707
E-Mail: firstname.lastname@example.com
Website: www.jbc-law.com
Salvatore M. Capizzi
Chief Sales & Marketing Officer – Dunham & Associates Investment Counsel, Inc.
Mr. Capizzi is Chief Sales & Marketing Officer for Dunham & Associates Investment Counsel, Inc. Mr. Capizzi is a seasoned industry veteran with over 26 years of financial services experience. He possesses a wealth of expertise in global sales and distribution leadership, marketing, business development and strategic planning.
Location: 10251 Vista Sorrento Parkway, San Diego, CA 92121-3769
Phone Number: 858-964-0500
E-Mail: email@example.com
Website: Dunham.com
Sal on SCI
Sal on Dunham & Associates
Stephanie S. Downer, Esq., LL.M.
Attorney – Paeske Law PC
Stephanie was formerly the Managing Attorney for Strazzeri Manicni's Wealth Strategies Planning Department, the Contested Matters Department, FamilyCounselor™ Department, and assists the FamilyCare™ Estate and FamilyCare™ Business Departments. Stephanie manages the affluent clientele and complex casework through the Wealth Strategies Process, and additionally helps to counsel clients and review documents in the estate and business planning departments.
Stephanie has gained experience in all departments of Strazzeri Mancini LLP including Estate Administration, Estate Planning, Litigation, and Wealth Strategies Planning. Stephanie also facilitated the operation, marketing of, and creation of marketing materials for the Southern California Institute.
She is now a counseling attorney for the Paeske Law team. She is using her experience to serve her own clients at her new firm.
As an active volunteer, Stephanie served as the Vice Chair of the USD Pro Bono Legal Advocates Program and as a legal volunteer to the San Diego Volunteer Lawyer's Program, AIDS Clinic. She enjoys international travel, running by the ocean, surfing on camping trips with her husband, Richard Downer, along the California and Baja coastlines, and cooking (but especially eating) big dinners with friends.
Location: 514 Via De La Valle, Suite 300A, Solana Beach, CA 92075
Phone Number: 858-888-5736
E-Mail: firstname.lastname@example.com
Website: PaeskeLaw.com
Stephanie on SCI
Stephanie on Strazzeri Mancini
Jeffrey A. Dunham
Founder & CEO, Dunham & Associates Investment Counsel, Inc.
Mr. Dunham is Founder and CEO of Dunham & Associates Investment Counsel, Inc. (Dunham & Associates) and Chairman of Dunham Trust Company. He also serves as a Trustee, President, and Principal Executive Officer of Dunham Funds. Mr. Dunham's investment expertise spans more than 25 years, dating to when he started a family of private funds and built Dunham & Associates upon the premise of performance-based advisory compensation—a radical idea at the time—now a model for others. Beginning his investment career in 1977, Mr. Dunham acquired real estate for investors and his own account.
As President of San Diego-based JAD Properties between 1979 and 1989, Mr. Dunham continued hands-on management of real estate holdings. Prior to becoming Founding Partner of Dunham & Associates, he was Partner in the investment firm of McKewon Securities and worked with Enterprise Management Company, a venture capital affiliate of McKewon Securities. Mr. Dunham earned a BS degree in Business Administration with an emphasis in Finance from San Diego State University. He holds FINRA Series 3, 4, 7, 24, 53, and 63 registrations.
Location: 10251 Vista Sorrento Parkway, San Diego, CA 92121-3769
Phone Number: 858-964-0500
E-Mail: email@example.com
Website: Dunham.com
Jeff on SCI
Jeff on Dunham & Associates
Trey Fairman, J.D., LL.M.
Senior Wealth and Insurance Planning Strategist, Millennium Brokerage Group
Trey partners with financial advisors and adds additional client value by providing insurance-based solutions that further strategic estate and financial planning goals and objectives. Trey's partners are able to evolve into more well rounded wealth managers by identifying new opportunities, deploying a consistent insurance management process, and making the insurance process scalable and more cost-competitive for their clientele.
With a 20-year plus history of education in his area of expertise, Trey is better able to understand and assist his partners with the challenges of an ever-evolving and dynamic strategic, wealth planning environment. He earned a Bachelors of Science in Finance from the University of Delaware and his law degree (J.D.) from the University of San Diego. After passing the California bar exam, Trey returned to the University of San Diego to obtain his Master of Laws of Taxation (LL.M.) in 2001 success. Trey began his financial services career in 1992 as a Brokerage Representative for Connecticut Mutual Life in Philadelphia. Trey joined the San Diego office of R.E. Lee in 1997 and spent the next 17 years with that organization as it grew and evolved into Highland Capital Brokerage.
Location: 1501 San Elijo Road South, Suite 104, Box 135, San Marcos, CA 92078
Phone Number: 619-326-4325
E-Mail: email@example.com
Website: MBGInstitutional.com
Trey on SCI
John L. Jenkins, AEP®, EA, CFP®
Founder, President, and CEO of Asset Preservation Strategies, Inc.
A San Diego native, John has been a financial professional since 1982. He holds BA and MA degrees from San Diego State University and has developed a strong financial foundation by pursuing several professional certifications and designations. In 1985, he completed his CERTIFIED FINANCIAL PLANNER™ professional studies through the College for Financial Planning in Denver and was admitted to the Directory of CFP Practitioners in 1993.
John also holds a Masters Degree in Wealth Strategies Planning from the Estate and Wealth Strategies Institute at Michigan State University and is endowed as a full Fellow of the Esperti Peterson Institute. He is a Certified Agent for the California Partnership for Long Term Care and an Enrolled Agent (EA), having successfully passed the exam administered by the IRS. He is also a Laureate of the Southern California Institute.
John has authored or co-authored the following books and publications:
- Minimum Retirement Plan Distribution Rules When Someone
Passes Away
- Estate Planning with IRAs for California Professionals
- 21st Century Wealth
- Living & Learning: Achieve Retirement and Education Security
John was an Adjunct Faculty member of the National Endowment for Financial Education and is recognized in both "Who's Who in California" and "Who's Who in Finance." He served on the board of the San Diego Chapter of the Financial Planning Association (FPA), is a board member and past president of the San Diego Estate Planning Council, and as a member of the Estates and Trusts Committee for Rady Children's Hospital Foundation.
John is a member of FPA and the CA Society of Tax Consultants. He adheres to their strict codes of ethics and obtains a minimum of 60 hours of continuing education every two years to retain his member and licensing status.
John is frequently quoted in the financial press, including Financial Planning, Investment News, The San Diego Union-Tribune, the La Jolla Light and the San Diego Business Journal. San Diego Magazine named him a Five Star, Best in Client Satisfaction Wealth Manager in 2007 and 2008.
John is the proud father of four children and a grandfather to one granddaughter. In his spare time he plays guitar and sings, on occasion professionally. He enjoys movies, cycling and culinary pursuits.
Location: 3636 Nobel Drive, Suite 440, San Diego, CA 92122-1042
Phone Number: 858-455-1825
E-Mail: email@example.com
Website: Asset-Preservation.com
John on SCI
John on Asset Preservation Strategies
Jeffrey Kates, MBA
Partner at The Founders Group, President and Owner – JIK Consulting Inc.
Jeffrey is a partner in The Founders Group.
Jeffrey is also the president and owner of JIK Consulting Inc., a business advisory services firm specializing in workouts & turnarounds, interim CFO work and Mergers and Acquisitions.
Previously, Jeffrey worked as a CFO for a number of years at both a small private healthcare company and a medium sized pharmaceutical company. In addition, Jeffrey has consulted for Fortune 500 Companies such as Barclays Capital, AT&T and Toys R Us.
Jeffrey brings extensive accounting, financial reporting, operations and process improvement experience in a multitude of industries and corporate environments. For over 25 years, Jeffrey has advised companies through workouts and turnarounds. His strong professional intuition and business acumen combined with his interpersonal and communication skills allow him to integrate and interact with management and stakeholders and immediately add significant value to the business.
Jeffrey holds a Bachelor of Arts from the University of Western Ontario in London, Canada as well as a Master's in Business Administration from Hofstra University where he graduated with distinction.
Professional Accreditation
Master's in Business Administration (MBA) from Hofstra University
Certified Exit Planning Advisor (CEPA) from the Exit Planning Institute (EPI)
Member of The Turnaround Management Association (TMA)
Member of the Exit Planning Institute (EPI)
Member of the Financial Executives Networking Group (FENG)
Jeffrey lives in Freehold, New Jersey with his wife Jennifer and their two daughters. In his spare time, when not traveling the country in support of his daughter's cheer-leading team, Jeffrey is an avid golfer and a diehard Montreal Canadiens hockey fan.
Location: 10251 Vista Sorrento Parkway, Suite 250, San Diego, CA 92121
Phone Number: 858-200-1915
E-Mail: email@example.com
Website: FoundersGroup.biz
Shelley Lightfoot
Executive Director – Southern California Institute, Partner – The Founders Group
Shelley is the Executive Director for the Southern California Institute (SCI); responsible for driving seven high-quality, collaborative, educational, and informational programs. Shelley's unique combination of experience, passion, and creativity are an excellent contribution for SCI's objective of helping wealth advisors attract and engage clients through collaborative efforts with other advisors. With over 20 years of financial management experience, Shelley often educates advisors from all disciplines through SCI programs and speaking engagements at affiliated organizations.
Professional Background
Shelley has been engaged in the financial services industry since 1986; having held various executive management positions including Vice President of Investments, Compliance Officer, Operations Manager, Sr. Management Consultant, and Business Development Manager. Born and raised in Kansas City, MO (most recently Overland Park KS), Shelley moved to the San Diego area in 2007 while employed with Banc of America, Inc. During her 5 year tenure with BofA, Shelley was second in command of 80 branch locations with 112 employees producing $25 million; extending her industry experience to virtually all areas of financial services, including branch management, regulatory compliance audits, sales supervision, business plan coaching, operational efficiency and national policy review. In addition, Shelley has successfully provided independent compliance and management consulting for financial advisors and broker dealers.
Prior to BofA, Shelley held various management positions with Prudential Securities , DST Systems, and George K. Baum & Company in the Kansas City area. Over the years, Shelley has also participated in the management of several company mergers and acquisitions, numerous financial advisor transitions, training and development programs, back office automation and administration, and served on Prudential's National Operations Advisory Council for over 3 years.
Shelley currently holds the series 7, 8, 63, and 65 designations.
Personal Information
Shelley and her fiance, Kent, are loving life in San Diego. Combined they have 5 children ranging from 4 to 24 years of age. In her free time Shelley enjoys exercising, entertaining, decorating, reading, going to the beach, and hanging out with the kids (and dogs)!
Location: 10251 Vista Sorrento Parkway, Suite 250, San Diego, CA 92121
Phone Number: 858-200-1911
E-Mail: email@example.com
Website: SCInstitute.org
Shelley on SCI
Stephen J. Mancini, Esq.
Principal & Founder: Law Firm of Strazzeri Mancini LLP
Educator and author, Steve is an Instructor for the Academy of Multidisciplinary Practices, courses accredited by the Estate and Wealth Strategies Institute at Michigan State University; Instructor, Paralegal Courses; Speaker for Continuing Education for Financial Professionals, including Certified Public Accountants, Attorneys, and Financial Planners. Laureate Circle Member and Fellow of the Southern California Institute.
Location: 10251 Vista Sorrento Parkway, Suite 250, San Diego CA 92121
Phone Number: 858-200-1900
E-Mail: email@example.com
Website: StrazzeriMancini.com
Steve on SCI
Steve on Strazzeri Mancini
Alejandro Matuk, Esq.
Of Counsel, Law Office of Alejandro Matuk
He started his professional career in the San Diego City Attorney's Office. Mr. Matuk was a Senior Deputy City Attorney for the City of San Diego in the City Attorney's Civil Litigation for eight years. Mr. Matuk was the principal attorney in numerous cases involving property, zoning, government contracts, land use, personal injury and various governmental matters. Mr. Matuk also served as Special Deputy Counsel for the Redevelopment Agency of the City of San Diego, negotiating and litigating eminent domain cases for the Agency.
Location: PO Box 995, La Mesa, CA 91944-0995
Phone Number: 619-441-2500
Alex on SCI
Alex on Strazzeri Mancini
Jim Reopelle
President and CEO of Comprehensive Financial Group
Jim has been in the financial services business for 30 years. His firm specializes in asset management, wealth accumulation, as well as business, estate, and financial planning. Jim holds Series 7 and 24 licenses with FINRA. Jim is a member of National Association of Insurance and Financial Advisors. Jim actively serves on several Board of Directors with Sharp Healthcare.
Location: 4350 Executive Drive, Suite 215, San Diego, CA 92121
Phone Number: 858-622-0066
E-Mail: email@example.com
Website: CFGsite.com
Carl Sheeler, PhD, CBA, AVA
Strategic Value Architect
Business Advisor
Many organizations are drowning in minutiae that prevents them from growing company value. They often don't know what they don't know, which limits their options. It's vital they have an executed strategy that identifies relevant resources and reduces risks to get from status quo to goal achievement. Most solely focus on the financial top and bottom line. In fact, it is an insufficient measure of performance and will not get you from here to there. It's essential you master human capital that allows you to leverage the right team of aligned advisors and staff.
I have assisted over 1200 mid-market to mid-cap companies with their planned and unplanned transitions, transfers and transactions. I was awarded the Alliance of Merger and Acquisition Advisors Mid-Market Thought Leader of the Year for 2015.
Litigation Expert
There are circumstances where an (in)action creates an event or conflict of interest that can end up in a messy dispute. These disputes can have significant damage or economic loss to value, income, assets and/or equity. Whenever there is a complex messy issue, it's best to secure a seasoned financial expert who is a warrior statesman possessing the intellectual rigor to articulate well-supported findings in an easily understood way.
My findings are delivered in an objective report that captures the most germane issues presented to the trier of fact by bringing 25 years of court qualified expert testimony on over 175 disputes.
Location: 18100 von Karman Ave., Suite 850, Irvine, CA 92612
Phone Number: 949-743-1401
E-Mail: email@example.com
Website: CarlSheeler.com
Melisa Silverman, JD, CVA, CEPA, CMEA
Partner – The Founders Group, President – Avenue M Advisors, Inc.
Ms. Silverman is a Partner in The Founders Group, a national company focused on providing business transition services for closely held companies using a holistic and collaborative process that interferes the least in the business, yields business results increasing cash flow, profits and business value and frees up time for the business owner.
Ms. Silverman is also the President of Avenue M Advisors, Inc., a national, boutique business valuation and consulting services company.
Previously, Ms. Silverman worked for and consulted with large and medium size companies such as Sonare Technologies, a division of Herman Miller, Peregrine Systems and 3E Company.
Ms. Silverman's experience includes:
- Performing valuations for investment purposes, such as partner buyout, ESOP compliance, IP valuations to tax related purposes, such as a company structure conversion, potential capital gains tax, estate and gift tax compliance, IRC §409A compliance, purchase price allocations; to litigation support purposes, such as a divorce, shareholder dispute, bankruptcy, lost profits determination or intellectual properties.
- Working with companies in the preparation of their business for sale, performing due diligence, performing financial and operational assessments, strategic and business planning, developing cash flow projections, feasibility studies, assessments, creating business development strategies, analysis of potential acquisitions, assisting clients with financing needs, and much more.
- Negotiating with strategic partners and assisting them with sales, marketing, training and operations to sell the Company's products and services. Focus on vertical markets including retail, utilities, transportation, healthcare and manufacturing.
- Involvement in multiple acquisitions and participated in the due diligence, negotiations, acquisition announcements and integration plans and implementation of the acquired companies.
Indiana University, Bloomington, IN – 1991
- Bachelor of Arts Degree in Political Science and Psychology
- Dean's List
Nova Southeastern Shepard Broad Law Center, Ft. Lauderdale, FL – 1995
- Juris Doctorate Degree
- Book Award, Legal Research & Writing
- Moot Court Society
Professional Accreditation
- Certified Exit Planning Advisor (CEPA) from the Exit Planning Institute (EPI)
- Certified Valuation Analyst (CVA) from the National Association of Certified Valuators and Analysts (NACVA). NACVA'S CVA® designation is the only valuation credential accredited by the National Commission for Certifying Agencies® (NCCA®), the accreditation body of the Institute for Credentialing Excellence™ (ICE™)
- Senior Business Analyst (SBA) from the International Society of Business Analysts
- Certified Machinery & Equipment Appraiser (CMEA) from the National Equipment & Business Brokers Institute
- Member, National Association of Certified Valuation Analysts (NACVA)
- Member, Exit Planning Institute (EPI)
- Founder & Member, Los Angeles Exit Planning Institute Chapter
- Member, International Society of Business Analysts (ISBA)
- Member, National Equipment & Business Brokers Institute (NEBB)
- Member of The ESOP Association
- Member of National Center for Employee Ownership (NCEO)
- Member, the California Bar Association – IP Practice Section
- Member, Provisors Network
- Member, The Exchange
- Member, Beverly Hills Estate Planning Council
- Member, Horizon LA Network
- Former Member, Business Forums International
- Presentation on the Pitfalls of Buy Sell Agreements and Valuation Issues at The Gathering Conference
- Presentation on Business Transitions for Estate & Succession Planning Groups
- Presentation on Valuation and Company Assessment for the Los Angeles Exit Planning Institute Chapter
- Keynote presentation to the California Bar Association – IP Practice Section Annual Meeting on Auditing IP Assets
- Presenter on Panel for the California Community Foundation on Valuing Illiquid Assets
- Presentation to the San Fernando Business Bar Association on Business Valuations for Legal Purposes
- Monthly Presentation to Maverick Angels Investment Accelerator Companies
- Presentation to Entrepreneurs and Advisors on Business Valuations of Early Stage Companies
- Taught on Business Valuations in the Real World at Pepperdine University, Graziadio School of Business and Management
- Taught on Business Valuations for Early Stage Companies at LAVA Women's Event and monthly Maverick Angels Accelerator Program
- Wrote Article that was turned into an IP Valuation Basics Q&A Interview for Brandaide
- Presented to numerous law firms on Using a Business Valuation to Identify and Mitigate a Client's Risk in Planning the Exit Strategy
- Presented on Minority Discounts – Defend Them or Lose Them. This presentation was given to numerous Estate Planning Council groups, trust companies, law firms and CPA firms.
Ms. Silverman lives in Los Angeles, California and enjoys a variety of outdoor activities including: tennis, golf, water sports, hiking, working out and skiing. She is involved in her community and volunteers for several non-profit organizations.
Location: 5006 Garden Grove Ave, Tarzana, CA 91356
Phone Number: 818-758-8457
E-Mail: email@example.com
Website: FoundersGroup.biz
Joseph J. Strazzeri, Esq.
Principal and Founder, Strazzeri Mancini LLP,
Practicing in Estate Planning, Business Succession, Charitable Planning, Asset Protection and Retirement Issues; Former Partner, Law Office of N. Munro Merrick; Principal of The Founders Group, a Business strategies Collaborative. Frequent educator and author, Joe is also a Laureate Circle Member and Fellow of the Southern California Institute and serves on the board of several foundations including Sharp Healthcare.
Location: 10251 Vista Sorrento Parkway, Suite 250, San Diego, CA 92121
Phone Number: 858-200-1900
E-Mail: firstname.lastname@example.com
Website: StrazzeriMancini.com
Joe on SCI
Joe on Strazzeri Mancini
Maureen Verduyn, CFP®, MEd, EA
Principal and Founder, The Financial Team
Ms. Verduyn has been dedicated to the study and advancement of personal finance since 1981. Her method of coaching addresses both the financial as well as the emotional concerns of each investor. She helps you evaluate your situation and then sets a course just right for you. The analysis uncovers the facts of your situation and then her coaching provides a realistic means for you to achieve your goals.
Maureen has concentrated on the area of portfolio management and teaches this and other advanced financial subjects to investors, as well as to other professionals through programs at the Southern California Institute.
Maureen and her husband Kevin, along with their boxer-mix Gracie, live in Carlsbad and have been members of the community since 1985.
- Masters of Education, University of San Diego, Cum Laude, Finance, 1996
- BS, University of North Carolina, Magna Cum Laude, 1992
- Certified Financial Planner™, College for Financial Planning, 1987
- California Real Estate Agent
Maureen is an active Member of the Financial Planning Association; Former Adjunct Faculty Member of the College for Financial Planning; Fellow of The Southern California Institute in La Jolla, CA; and Member of the Fellowship of Graduate Estate Planning Consultants.
Location: 5740 Fleet Street, Carlsbad, CA 92011-4223
Phone Number: 760-448-2882
E-Mail: email@example.com
Website: TheFinancialTeam.com
Maureen on SCI
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Infrastructural lighting comes into its own with LED technology: relatively low power and dynamic light transform major structures into important urban points of reference, even by night. The Cosenza bridge, dedicated to Saint Francis of Paola and designed by famous Spanish architect, engineer and sculptor Santiago Calatrava, is a perfect example of this. Inaugurated in January 2018, this is one of the most important works to have been constructed in Southern Italy over the last few years.
Photography © Clorinda Scura, Scura Design – Corigliano
Photography © Clorinda Scura, Scura Design – Corigliano
Photography © Clorinda Scura, Scura Design – Corigliano
Photography © Clorinda Scura, Scura Design – Corigliano
Photography © Clorinda Scura, Scura Design – Corigliano
Photography © Clorinda Scura, Scura Design – Corigliano
Photography © Clorinda Scura, Scura Design – Corigliano
Its majestic antenna, destined to be an iconic structure for the city, crosses the waters of the Crati river and links the Gergeri quarter with the Old Town.
Calatrava set out to design a "harp-shaped" bridge: Suspended by a 104 metre-high pylon, rising at an angle of 52 degrees, and spanning 140 metres in length, all supported by a stretch of seemingly unending cables, which are reminiscent of the strings of a harp. The bridge is subdivided into four lanes for traffic—two in each direction—separated by a slightly elevated central pedestrian walkway.
The aim of the lighting project was twofold: firstly, to enhance the view of the great "antenna" from afar, and secondly, from a functional point of view, to provide a source of illumination for vehicles and pedestrians.
The spectacular lighting system consists of forty 88 W Large Contrast LED spotlights , each with a narrow 8° beam angle and a colour temperature of 4000 K, the optimal choice for enhancing the structure's white body. Each equipped with refractors and an anti-glare visor, the lights produce a dazzling yet uniform glow along the antenna, ensuring maximum visual comfort for pedestrians in the central walkway. All lights are fitted with an RGB LED PCB, which together with a DMX controller, can be used to create dynamic light shows for special events and can be synchronised with music to mimic a giant harp. The design also includes side lighting along both the traffic and pedestrian lanes, with lights installed into the lower part of the railings to create a welcoming "carpet of light".
For this, the chosen fixtures are Zumtobel 15 W Tubilux LEDs, which produce a continuous stream of light.
The cables chosen for the design are simple and extremely slim, with a mechanical anchoring system for easy insertion into the structure of the bridge, saving time and money during the installation phases.
Facts and figures—Product technical information
Thanks to the use of LED lighting fixtures, the design has achieved around a 60% reduction in energy consumption, dropping substantially from 96.760 W for the first design, which required the use of metal-halide and linear fluorescent lamps, to just 37.300 W consumption.
Autore: Giordana Arciselai
Contrast 2 LED, Large
- colour temperature of 4000 K, with ultra-narrow 8° beam angle
- body: Sandblasted silver-grey EN AC 47100 DF die cast aluminium (Akzo Nobel 150)
- glass: tempered, 4 mm thickness
- accessories: retractors and anti-glare visor
- seal: EPDM
- screws: stainless steel
- simplified angling with tiered bracket, held in position using Ø6 mm socket-head screws for all sizes.
- Large RGB: Large RGB DMX: 4 cable glands. 2 for DMX IN/OUT and 2 power supply
- Light distribution: STD - standard
- Light source: LED
- Luminous flux of luminaire*: 1435 lm
- Luminaire efficiency*: 96 lm/W
- Min. colour rendering index: 80
- Correlated colour temperature*: 4000 Kelvin
- Rated median useful life*: 50000h L90 at 25°C

subset: commoncrawl


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With purplish pink flowers Daphne Jaqueline Postill is a more showy flowering highly scented form of the well known variety Daphne Gurka from which it was raised as a seedling. Nearly evergreen dark green leaves. Needs good soil and good drainage for success, not the easiest subjects to grow but well worth the effort.
01728 747 113
Chantry Farm, Campsea Ashe, Suffolk, IP13 0PZ
Opening HoursMonday - Friday: 9.00am to 5.00pmWeekends & Bank Holidays: 10.30am to 4.00pm
Company Number: 6776569
Home > Trees & Shrubs > Trees & Shrubs - D > Daphne


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Contractual Terms and Conditions
1. Scope
These terms and conditions shall apply to the provision of the Services by Veritas Treasury to the Client. In the event of conflict between these terms and conditions and any other terms and conditions (of the Client or otherwise), the former shall prevail unless expressly otherwise agreed by Veritas Treasury in writing.
2. Definitions
"Claim" means a claim for Compensation in relation to the mis-selling of interest rate hedging products (or similar instruments) by the Lender to the Client.
"the Client" means the addressee of this letter or any person associated with the Client who derives benefits from the Services.
"Compensation" means any payment awarded to the Client as a result of a Claim being made on behalf of the Client by Veritas Treasury. This includes all sums paid by the Lender in respect of a Claim; any "goodwill gesture"; or any reasonable offer made by the Lender. It also covers any rebate of charges; reduction in interest rates; softening of financial covenants; or other financial accommodation offered by the Lender to the Client arising from the Claim.
"Data Subject"meansan individual who is the subject of personal data as defined in the Data Protection Act 1998.
"Veritas Treasury " means Veritas Treasury Limited (Registered Number SC445612) having its registered office at Fourth Floor, 135 Buchanan Street, Glasgow, Lanarkshire G1 2JA. Veritas Treasury is regulated by the Claims Management Regulator in respect of regulated claims management activities, registration user CRM33408.
"Letter of Authority" means the document to be signed by the Client giving Veritas Treasury authority to communicate with a Lender on the Client's behalf.
"the Lender" means [name of lender].
"the Services" means the Services to be provided by Veritas Treasury to the Client pursuant to this Agreement.
3. The Services
3.1 Veritas Treasury shall, following receipt of all completed forms and requested information and as soon as it is practicable thereafter, pursue the Claim on behalf of the Client.
3.2 In order to pursue the Claim, we require the Client's personal and financial details. We may need to request the Client's personal details, in the form of a Data Subject access request, from the Lender. The use of this information will be restricted solely for the purpose of pursuing the Claim.
4. The Client's obligation to Veritas Treasury
4.1 The Client agrees to cooperate fully with all reasonable requests from Veritas Treasury for further information from the Client during the course of the investigation into Claim. Further, the Client agrees to provide Veritas Treasury with complete and accurate details relating to the Claim at all times.
4.2 The Client agrees to instruct Veritas Treasury as its sole representatives and may not instruct another party to pursue the Claim without Veritas Treasury prior written consent.
4.3 The Client agrees not to communicate directly with the Lender or with the Financial Ombudsman Service for the duration of this Agreement without Veritas Treasury prior written consent.
5. Litigation
5.1 Veritas Treasury shall, on behalf of the Client and where appropriate in relation to the Claim, instruct a solicitor on the Client's behalf to issue proceedings at no cost to the Client.
5.2 Veritas Treasury shall indemnify the Client against all costs incurred as a result of all litigation arising out of or in relation to the Claim.
5.3 Where Compensation is paid to the Client's solicitor, the Client irrevocably agrees to their solicitor deducting from the Compensation received the Fee that the Client has agreed to pay to Veritas Treasury, subject to the client having not exercised their right to cancel this agreement, and for the solicitor to pay this sum to Veritas Treasury, before accounting to the Client with the remaining balance. This Agreement constitutes a formal and irrevocable mandate by the Client to the solicitor to implement the terms of this Clause 5.3.
6. Fees payable to Veritas Treasury
6.1 The Client agrees to pay Veritas Treasury a fee of 20% plus VAT of any Compensation ("the Fee"). For example, if the compensation amount awarded by the Lender is £100,000, the Fee would amount to £20,000 plus Vat at the prevailing rate. If Veritas Treasury does not secure Compensation, no Fee will be payable to Veritas Treasury save as set out in clause 6.2.
6.2 In the event that any award of Compensation is (a) used to reduce or takes the form of a reduction in the Client's outstanding balance on their banking facilities with the Lender or (b) results in an improvement in the terms of such facilities or (c) is used to relax or takes the form of a relaxation in the terms on which existing financial instruments continue to be made available to the Client or the terms on which any new financial instrument is offered to the Client, the Client will nonetheless be responsible for settling the Fee due to Veritas Treasury. In such instances, Veritas Treasury may permit the Client to repay the Fee by way of a pre-arranged payment plan. Any acceptance of a payment plan will require to be agreed to by Veritas Treasury in writing and will have regard to the period over which the benefits of such reductions, improvements or relaxations are made available to the Client. The Client will be obliged to make full disclosure of all of the arrangements which fall within the scope of this Clause 6.5 to Veritas Treasury.
6.3 In the event of non-payment of the Fee, Veritas Treasury reserves the right to recover all their costs incurred in pursuing any debt the Client owes to Veritas Treasury, such costs include (but are not limited to) Court fees, sheriff officers fees, debt recovery fees and any other administration costs incurred by Veritas Treasury.
7. Termination
7.1 Veritas Treasury reserve the right to terminate any agreement entered into with the Client under these Terms of Business, by giving written notice, if:
7.1.1 the Client is in breach of its obligations as set out in Clauses 4.1, 4.2 and 4.3.
7.2 In the event that Veritas Treasury terminates an agreement pursuant Clause 7.1, all information provided by the Client to Veritas Treasury will be destroyed or stored in a secure facility in the event that Veritas Treasury are required to retain records for any legislative purpose.
7.3 The Client has the right to cancel any agreement entered into with Veritas Treasury under these Terms of Business within 14 days of signing the Letter of Authority and a copy of these Terms of Business. The 14 day period will commence from the date the Client signs the Letter of Authority and Terms of Business instructing Veritas Treasury to act on the Client's behalf. Cancellation of the agreement must be made in writing.
7.4 Without prejudice to Clause 7.3, should the Client decide to terminate any agreement entered into with Veritas Treasury under these Terms of Business after an offer of compensation has been made, Veritas Treasury reserves the right to charge the Client its Fee as set out in Clause 6.1 and Clause 6.2 above and any additional costs incurred as set out in section 6 above.
8. Duration
The Agreement will endure until any of the following conditions have been met:
8.1 Veritas Treasury recovers Compensation on behalf of the Client and Veritas Treasury invoice for the Fee has been settled in full by the Client;
8.2 The Client has exercised its right to cancel the agreement as set out in conditions 7.3, 7.4 and 7.5; or
8.3 Veritas Treasury has exercised its right to cancel the agreement as set out in conditions 7.1.1
9. Data Protection
Veritas Treasury will handle the Client's personal details in accordance with the provisions of the Data Protection Act 1998. By providing Veritas Treasury with its personal details the Client authorises the company to share these details with any organisation, including the Lender, the Financial Ombudsman Service or our appointed legal representative for the sole purpose of pursuing the Claim. The Client agrees for Veritas Treasury to contact them with regards to any matter relating to the Claim.
10. Liability
10.1 If Veritas Treasury fails to perform its services under an agreement with due care and skill it will carry out remedial action at no extra cost to the Client.
10.2 Veritas Treasury shall not be liable to the Client or be deemed to be in breach of these Terms of Business by reason of any delay in performing, or failure to perform, any of its obligations if the delay or failure was due to any cause beyond Veritas Treasury reasonable control.
11. Severance
If any provision of these Terms of Business is held by any competent authority to be invalid or unenforceable in whole or in part, the validity of the other provisions of these terms and conditions and the remainder of the provision in question shall not be affected thereby.
12. Applicable Law and Jurisdiction
These terms and conditions shall be governed and construed in governance with law in England & Wales.


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Congratulations Carol Money from Ash Lane! Carol has been selected as a recipient of Tarrant County's Landlord Recognition Award. She is being honored for her service to this agency and her outstanding efforts to ensure the safety and well-being of the program participants.
Southwest Florida Apartment Association has awarded Colonial Commons Apartments with 2016 Lease Up Community of the Year!


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Grandma decided to go shopping last Saturday, so we went to a mall. She was looking for a new bag, and dared to look for it on the most expensive shops – places I never go! I can accept some people really need to have a Louis Vuitton bag, but I can't understand how they can pay so much for it! We saw bags costing about 200 dollars – it's a huge part of my salary, and thank God Grandma was lucid enough to not look at them twice. She bought a nice leather model for 66 dollars, and as I'm a good granddaughter she decided to buy a bag to me. I chose one costing 8 dollars, it wasn't true leather but who cares? It was nice, black and big, perfect for going work everyday. She hated it, saying it was too cheap, I should find a better one. It was hard to convince her I'd be absolutely happy with that bag, but finally she gave up and accepted my choice.
- Current Mood: awake


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YMCA heads into renovation and expansion
With fundraising still underway, work on a year-and-a-half renovation on the New Canaan YMCA started unofficially last weekend with a groundbreaking ceremony.
"New Canaan is a great place but this is going to make it even more special," New Canaan YMCA Executive Director Craig Panzano said.
Panzano, who has been at the Y for 11 years, recalled the planning efforts that went back a decade to define a renovation which would meet the full needs of the Y's 10,000 members.
"Thanks to all our donors from a dollar to a million dollars, there are too many of you," Panzano said. "What we really look forward to is making a difference in peoples' lives, the tall and small, young and old, the haves and have-nots, whatever gender, color, or special need they may have."
The two-year project with a construction cost of $14 million will include new and renovated locker rooms, a new full gym double the size of the current space, a new family movement and activity center, renovated wellness areas, a new café, and an intergenerational family center.
Work on the project started recently with the shutdown of the YMCA's swimming pool, which is to be renovated to be part of a larger Aquatics Center with a new 12-lane competition pool and a new warm pool facility.
The project is scheduled to be finished in April 2017.
Peter Skaperdas, president of the YMCA's Board of Directors, said the renovation and expansion is a continuation of the expanded sphere of programs the YMCA has developed in the past decade touching on wellness, cancer recovery, and other areas to establish it as more than a place to work out and swim.
"I think we've accomplished that and we're going to accomplish a lot more once this renovation is done," Skaperdas said. "I may be biased but I think the New Canaan YMCA is the crown jewel of this community, and it will shine even brighter in 18 months when this project is done."
The contractor on the project is A&P Construction of Stamford.
The New Canaan YMCA is a 501(c) 3 organization and service organization which last year awarded nearly $400,000 in direct financial assistance through providing programs to residents.
Officials did not comment on how much had been raised toward the $18 million fundraising goal of the project, but said fundraising is continuing.


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2400 Seneca Street Buffalo New York
Building Size: 35,390 sq. ft.
Vacant Space: 23,735 sq. ft.
Projected Income: $360,139.96
Projected Expenses: $122,435.39
Projected NOI: $237,704.57
Projected Cap Rate: 16.4%
- Great for company who would use all or a portion of the vacant section and enjoy the income from the balance of the building
- Densely populated blue collar neighborhood
- Adjacent to brand new 100 unit apartment complex and Burger King
- Land for expansion
- Existing tenants are Dollar Tree and H&R Block
- Address: Buffalo, New York
- Price: $1,450,000
- Square Foot: 35,390 sq. ft.
- Done Deal: No


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Kitchen Remodeling Calculator
Setting a price range for your kitchen remodel and staying inside it sounds so obvious and easy, but it really is harder than you feel. To enhance air circulation and get a lot more counter space, have a pass-via place into the wall among the kitchen and dining area with a countertop surface to set issues on. One more choice is removing a wall or partial wall entirely and adding a cupboard with a countertop.
Verify references of any contractors you strategy to use, and make sure the contracts spell out who is accountable for acquiring supplies, specifically what supplies the contractor is supplying (down to brand and model quantity) and what the cost will be if you make modifications throughout the job.
Possessing a clear spending budget for a remodel sounds like an apparent 1st step, but being frank about finances can be awkward for some of us. Often this conversation can be uncomfortable, but it's so simple to overspend on the kitchen and bathroom," says Anne Reagan, editor-in-chief of , a startup that connects property owners with remodeling specialists.
Brilliant backsplashes, sophisticated lighting and fabulous faucets separate the high-finish kitchen from every thing else ' these are the 'œdecorations' for your kitchen although combining function with art and can range in price from a couple of hundred to a handful of thousand dollars.
The kind of kitchen cabinetry you decide on will be the greatest determinant of the general investment in supplies not labor and not skilled design and project management fees, which are discussed later in the post that you will require to make in remodeling your kitchen.
In addition, other aspects impacting price of cabinetry will be what variety of door type you select flat panel, inset, and so on and what type of finish you decide on for your cabinetry, for instance, a easy laminate finish, a semi-custom painted finish, or a fully custom finish.


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I'm presently teaching PHYS20762 Computational Physics and PHYS20872 Theory Computing Project to 2nd Year in Semester 4, and also postgraduate teaching to the Cockcroft Institute. I also teach 2nd-year general physics lab on Fridays in Semester 1.
Like most of the staff here, I'm also an academic and personal tutor, this year a personal/academic tutor to a group of 1st-years and a group of 2nd-year, and personal tutor to other year groups.
From here you can get access to my teaching materials
- PHYS20762 Computational Physics
- 1t Year Tutorials
- Cockcroft Lectures – Essentials of Lattice Design Codes


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Posted on May 22, 2019
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[23] R. Fernandes, R. Campilho, Numerical evaluation of dissimilar cohesive models to predict the behavior of Double-Cantilever Beam specimens, Procedia Structural Integrity, Vol. 1, pp. 42-49, 2016.
[24] L. F. da Silva, T. Rodrigues, M. Figueiredo, M. De Moura, J. Chousal, Effect of adhesive type and thickness on the lap shear strength, The journal of adhesion, Vol. 82, pp. 1091-1115, 2006.
[25] K. Katnam, A. Crocombe, H. Khoramishad, I. Ashcroft, The static failure of adhesively bonded metal laminate structures: a cohesive zone approach, Journal of Adhesion Science and Technology, Vol. 25, pp. 1131-1157, 2011.
[26] P. Jousset, M. Rachik, Comparison and evaluation of two types of cohesive zone models for the finite element analysis of fracture propagation in industrial bonded structures, Engineering Fracture Mechanics, Vol. 132, pp. 48-69, 2014.
[27] H. Khoramishad, S. Nasiri, Investigation of the effect of material and geometrical parameters affecting the strength of hybrid adhesive- riveted joints, Science and Technology of Composites, Vol. 2, pp. 71-78, 2015.
[28] K. Park, G. H. Paulino, Cohesive zone models: a critical review of traction-separation relationships across fracture surfaces, Applied Mechanics Reviews, Vol. 64, p. 060802, 2011.
[29] R. Borg, L. Nilsson, K. Simonsson, Simulation of delamination in fiber composites with a discrete cohesive failure model, Composites Science and Technology, Vol. 61, pp. 667-677, 2001.
[30] H. Khoramishad, A. Crocombe, K. Katnam, I. Ashcroft, Predicting fatigue damage in adhesively bonded joints using a cohesive zone model, International Journal of fatigue, Vol. 32, pp. 1146-1158, 2010.


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It's monday, what are you reading ? #1103
August 22, 2016 by ceresbooksworld
A weekly event hosted by Kathryn at the Book Date to discuss your reading week ~ the books you've read and those you plan on reading in the coming week.
Finished Last Week
United by Melissa Landers
After thwarting a deadly coup and saving the alliance between their worlds, Cara and Aelyx have finally earned a break. Their tiny island colony is everything they dreamed it would be―days spent gathering shells on the beach and nights in each other's arms.
But the vacation is short-lived.
The treaty between Earth and L'eihr has awakened an ancient force that threatens to destroy them all. The Aribol, mysterious guardians charged with maintaining interstellar peace, deem the alliance a threat to the galaxy. They order a separation of the races, decreeing humans and L'eihrs must return to their own planets within the month or face extinction. In fact, they already have agents in place on Earth, ready to begin.
With the clock ticking, Aelyx and Cara assemble a team of colonists and race back to Earth, where they unite with old friends to solve the mystery of who the Aribol are, what they want, and the real reason the alliance has provoked them. As tensions build to a full-scale war, Aelyx and Cara must fight harder than ever―not just for their future, but for the survival of both their worlds.
Unknown by Wendy Higgins
Amber Tate believes the worst thing she'll suffer in life is dealing with the unrequited love she feels for her brother's best friend, Rylen Fite. She also believes war is something unfortunate that happens places far, far away from her rural Nevada town. She's wrong on both counts.
When an unknown organization meticulously bombs major cities in the United States and across the globe, a trickle-down effect spreads to remaining towns at an alarming speed—everything from food and water sources to technology and communications are compromised. Without leadership, the nation is split between paralysis and panic, but Amber isn't one to hide or watch helplessly. She's determined to put her nursing skills to use, despite the danger, even if it means working alongside the man she can never have.
In this first installment of NY Times bestselling author, Wendy Higgins's debut New Adult series, a frighteningly realistic apocalyptic America is brought to life, entwined with searing romantic tension that will leave you eager for more.
Currently Reading
The thousandth Floor by Katharine McGee
New York City as you've never seen it before. A thousand-story tower stretching into the sky. A glittering vision of the future, where anything is possible—if you want it enough.
Welcome to Manhattan, 2118.
A hundred years in the future, New York is a city of innovation and dreams. But people never change: everyone here wants something…and everyone has something to lose.
Leda Cole's flawless exterior belies a secret addiction—to a drug she never should have tried and a boy she never should have touched.
Eris Dodd-Radson's beautiful, carefree life falls to pieces when a heartbreaking betrayal tears her family apart.
Rylin Myers's job on one of the highest floors sweeps her into a world—and a romance—she never imagined…but will her new life cost Rylin her old one?
Watt Bakradi is a tech genius with a secret: he knows everything about everyone. But when he's hired to spy by an upper-floor girl, he finds himself caught up in a complicated web of lies.
And living above everyone else on the thousandth floor is Avery Fuller, the girl genetically designed to be perfect. The girl who seems to have it all—yet is tormented by the one thing she can never have.
Debut author Katharine McGee has created a breathtakingly original series filled with high-tech luxury and futuristic glamour, where the impossible feels just within reach. But in this world, the higher you go, the farther there is to fall….
On Deck
Behind Closed Doors by J.L Berg
My name is Roman Cavenaugh and I'm kind of an asshole.
Running a company isn't easy, especially when everyone expects you to fail, so being a jerk? It comes with the territory.
I don't have time to mess around, and I sure as hell didn't see her coming.
Cara Hamilton—she was supposed to be off limits…a temporary employee brought in during my assistant's maternity leave.
But, in the blink of an eye, she became so much more.
An obsession I couldn't shake.
So yeah, I may be an asshole, but now, I finally had a purpose, and soon, she would be mine.
All's fair in love and war…
And you what are you reading ?
Just to finish, now i will let you know the Tv shows I'm watching.
Scream Season 2 – 12
Orange is the new black Season 4 – 4
So which series do you watch ?
3 thoughts on "It's monday, what are you reading ? #110"
I've read Alienated but haven't had a chance to read any more of the series yet. Unknown sounds really good too. Come see my week here. Happy reading!
The Tousandth floor's cover is so eye catching! Premises doesn't sound bad either. Happy reading! Here's my It's Monday: http://marelithalkink.blogspot.co.za/2016/08/its-monday-what-are-you-reading-2.html
Summer is so good for binge watching, isn't it? I haven't seen Scream or OITNB yet, but my husband and I have been speeding through Arrow after the kids go to bed.
Have a great week!


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Grow your design business. Get tips from Rule29 founder Justin Ahrens on determining what you do best, identifying areas for growth, promoting your business, and building your team.
- [Instructor] Hi, my name is Justin Ahrens, and welcome to this course. Have you ever wondered if all those other creative design firms you follow struggle as much as you do? Through the lens of social media, it can often feel like you're the only one not figuring out how to make things work. Whether it's client retention, developing new business strategies, daily decision making, or your own culture development, running a business is not for the faint of heart. And yet I can't imagine not running my own firm. In this course, I'm gonna share with you tips, stories, best practices that will assist you to build actionable consistency, and processes to help you sustain and ultimately grow your business.
We'll explore the value of culture, the power of uniqueness, how to make better decisions, the beauty of process, and the ever-present need for promotion. Although this course will likely be most effective for people who have been in business for more than a year, I wish I knew these items before I started. So let's dig in.
- What does your company do well? What does it not do so well?
- How and where to grow
- Identifying opportunities
- Developing a culture of growth
- Promoting your business
- Collaborating
- Building your advertising team


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PPE is the last thing we consider in our risk assessment before that we
must look at : elimination or substitution : Controls - either administrative
or engineering : if after looking at these, the only way of bringing the Risk
down to acceptable levels is PPE, then we must look at the protective equipment
we are going to provide.
The legislation involved is PERSONAL PROTECTIVE EQUIPMENT AT WORK
REGULATIONS 1992 which came into force on 1 January 1994 and like the rest of
the recent legislation requires us to RISK ASSESS.
There are certain main points we must consider
PPE is issued and worn depending on the circumstances of use :
PERSONAL means issued to the individual for his use only - only if it is unreasonable to consider individual PPE should PPE be shared.
ALL PPE must PROTECT in the circumstances of use.
There are advantages in giving out disposable PPE
The disadvantage is that it is expensive, but if only used occasionally it may be cost effective.
Let us consider the common PPE Groundsmen wear:
If anything is liable to fall on, or projectile liable to hit, an
operator then the operator should wear a hard hat. The hard hats can protect
against a stated impact - but will usually have a ' use by' date - usually 5
years but see your manufacturers instructions.
Usually used against pesticides - if used for this purpose should only
be used for pesticides.
Used to work in adverse weather conditions - if used for this purpose
should not be used for pesticide application.
Different uses require different specification e.g.
Usually extending to just below the knee and used NOT turned down.
Used in any case that it is possible damage to toes could occur e.g.
Used when using chainsaw to protect the leg below the knee.
These are used in different circumstances to protect against different hazards
Usually used for pesticide use
Used for use of strimmer
Usually to protect against
Used to protect operator against noise
I have spoken about this before. It is law that suitable ear protection : ear plugs or ear defenders - are given above a noise level of 90 dB - to bring the noise heard by the operator down below 85 dB when in use. This is called noise attenuation. I have been in discussion with various chainsaw manufacturers and they have made it clear that they provide ear defenders to protect against their make of chainsaw. They will not guarantee that their ear defenders can be used for other makes of chainsaw. Thus a 'good chainsaw' manufacturer may have brought the levels of noise from their chainsaw down to 105 dB - their ear defenders only have to have an attenuation of 20 dB. The 'bad chainsaw may have a noise level of 115 dB - these ear defenders will NOT provide adequate protection. A noise assessment may be required.
Consider each item of PPE individually as follows:
|Do you have a copy of the manufacturer's instructions?
|Has it a CEMark?
|Used to protect against (Hazard & Risk)?
|Likely length of exposure?
|Who is exposed?
|How is it cleaned?
|How is it maintained?
|What instructions does the operator require for its use?
|How often should it be replaced?
Signed ............................... Date
When you have answered these questions and signed it you have gone a long way towards complying with the legislation. However, this is not written in stone, if anything changes, re-assessment will have to be carried out.


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Manufactured Assemblies Corporation is proud to announce its recent ISO 13485:2016 Medical Industry Certification. We have expanded our capabilities to include the manufacturing of active and non-active wire harnesses, cable assemblies, and electro-mechanical sub-assemblies for the Medical Industry.
MAC has over 40 years of experience in superior quality, lean manufactured, made in the U.S.A Assemblies, Sub-Assemblies, Cable Assemblies, Wire Harness and Electro-Mechanical Devices.
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The MAC team is looking forward to meeting or exceeding your expectations.


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- The first is to accept the current austerity public policy landscape and don't dismiss the recent comments made by politicians out of hand. It's true, as Winston Churchill almost said, that capitalism is the worst system except for all of the others, but when all of our political leaders agree that 'something must be done' they are probably also right. The most difficult element for Boards is the moral dimension, on Thursday David Cameron talked of the need for moral (and responsible) capitalism and George Osborne has previously talked of some forms of tax avoidance (not tax evasion) being immoral.
- Secondly, we must collectively emphasise the strengths of our form of capitalism. Amidst most of the recent criticism, almost all parties acknowledge that entrepreneurialism, wealth creation, exports and jobs are good things, that are hugely important for our economy. There are times when individual companies need to stand up and be counted and City UK's City Week (6th-8th February) is one such example. On an ongoing basis it's important that we remember our global strength as a service economy, as well as giving greater credit to the often unsung areas of science, technology and manufacturing.
- One of the key words of 2012 will be egregious, namely things that are extraordinarily bad or shocking. The concept of 'rip-off Britain' is still in the news and almost all consumer facing industries, including airlines, energy companies, banks, car insurers, supermarkets will be tackled in some way by Government and regulators this year. The best policy is not to defend the indefensible and take action on those things that will be judged 'egregious' sooner rather than later. In the payday loans industry, failure to tackle the egregious issue of 'rolling over' loans could result in the much stricter action that people such as Martin Lewis, Shelter and MP Stella Creasy are calling for.
- This year it will be important to keep your friends close but your shareholders closer. There is a good deal of skepticism amongst those working in financial services that institutional shareholders will deliver the kind of impact on executive pay envisaged by the Prime Minister. However, there are already signs that the increasing pressure on them will have some impact. In this Wednesday's FT, Fidelity has proposed that all 'annual variable compensation' for Directors should require the support of 75% of shareholders before payment.
- More than ever before it's the year for Board's to use the Private Eye test or maybe we should re-name it the FT test. When taking key strategic decisions, it's important to ask: would we be happy if this appeared in the Financial Times ? If the answer is no, then it's probably a decision not worth taking. On a more mundane level, this particularly applies to any perceived extravagance, whether it be Board away days, sponsorships or Olympics tickets.
Capitalism in crisis? Thoughts for Boardrooms in 2012
Last week, at the Financial Times' pre-Davos seminar, US Ambassador Louis Susman stated that the key issue for the world in 2012 will be fairness. For the last two weeks, the FT itself touched on the same theme throughout its 'Capitalism in Crisis' series. And if we doubted the success of the Occupy movement, our own politicians have all rallied behind similar themes since Christmas. First, David Cameron pledged to stop escalating high level management salaries, with possible legislation later this year. Then Ed Miliband called for an end to tax havens, and earlier this week Nick Clegg called for Britain to develop as a John Lewis economy. We can clearly conclude that all three parties' private polling is telling them the same thing that the US Government has spotted – that the key issue for the world in 2012 will be fairness, or possibly more accurately, (perceived) unfairness. The question for Britain's boardrooms is what, if anything, to do about it. Are we in the midst of a tidal wave of ultimately meaningless political rhetoric, or does something have to give, does something have to change. During the FT debate, Chief Economics commentator Martin Wolf said that he had never used the word fairness in a column because no two people ever agree on what is fair. The US Ambassador responded with the view that many people currently agree on what is unfair, they just don't agree what to do about it. In this climate, I think that five themes are important for Boardrooms in 2012 :
Whatever Happened to the Big Society?
The 2010 General Election was remarkable for its illusory approach to our national status. While our leaders spoke about the...Read more
Government Reshuffle - September 2012
As the PM finalised his reshuffle last night he will have been acutely aware that he only has one more big opportunity to...Read more
A symbol of gambling and greed
The resignation of Bob Diamond yesterday marks an unusual victory this week for the political class. Wholly punished by the...Read more
Lansons Budget 2012 Analysis
As George Osborne emerges from the dark waters of the Treasury to give his third Budget, he does so with an air of optimism not...Read more
Producers, predators and occupation
When Ed Miliband talked of dividing the UK into good and bad businesses, and 'rewarding' good businesses through...Read more
New Year, new ways? There may be trouble ahead..
The month of January is named after the god Janus, depicted as facing both ways in looking back on the year just gone, but...Read more
Six months into the Lib-Con coalition Government
Six months into the Lib-Con coalition Government and the first real strains are beginning to appear. On spending cuts, welfare...Read more
Day 9 - Good day - bad day
When the election was called the days and weeks spread far ahead but already some key stages have been and gone. We've seen...Read more
Queen's Speech 2009
If we are to believe Lord Mandelson's view that Labour are the political underdogs now, they didn't put up much of a fight...Read more
The view from Bournemouth
This is the second consecutive year the Liberal Democrats have decamped to Bournemouth, and judged against last year it is...Read more


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Q: Is there a Final Fantasy game coming out on GameCube?
A: It's unknown but there is a possiblilty and it could be answered in the up and coming E3
Q: Will the net support for GameCube be fast?
A: There'll be a choice of a 56k modem and a broadband adapter but when these will be released are unknown. The broadband is also scheduled for a later release until broadband are standard. It also depends on the network that will be available. Hopefully, Nintendo will be providing a quick and cheap one for us.
Q: Are any good PS2 titles going to be releasd on the GC eg. Metal Gear solid, GTA3?
A: Rumours of GTA3 coming out were denied but a GC version of GTA3 maybe in the works soon. Titles like THPS3 are scheduled for the European launch.
Q: Is Phantasy Star online going to be released on GameCube?
A: Yes, PSO will be released on GameCube. It is also scheduled to be the first online game to be out on GameCube


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Lupita Nyong'o to Star in Remake of John Woo's The Killer
- Author: Rosalie Stanley May 02, 2018,
May 02, 2018, 1:00
John Woo is directing a remake of his 1989 Hong King crime classic and the "Black Panther" star is in talks to play the titular assassin, first originated by Chow Yun Fat. And after almost 30 years, Woo will be returning to The Killer to direct his own remake. It's confirmed that Nyong'o will fulfill the role of the assassin that was played by Chow Yun-fat. He decides to do one last job in order to pay for eye surgery, but things get complicated by the investigation of a police detective.
On the upside, John Woo's longtime cohorts, Mark Gordon and Lori Tilkin, who helped with producing A Better Tomorrow will be working with him once again on the remake of The Killer.
This is one of the rare times where the original creator is remaking one of his own works and adapting it toward the coerced multicultural trend now making waves in mainstream movie-making. The film is slated to being production later this year in France and Germany.
Following her recent comic book action turn in Black Panther, Oscar winning actress Lupita Nyong'o is ready for an action franchise of her own. Universal VP Production Sara Scott will oversee for the studio.
This remake has been going around for a while, with a draft by Josh Campbell and Matt Stuecken, and a rewrite from Eran Creevy.
Woo is represented by ICM Partners and Hansen, Jacobson, Teller, Hoberman, Newman, Warren, Richman, Rush, Kaller & Gellman L.L.P. Nyong'o is represented by CAA, Innovative Artists, and Del, Shaw, Moonves, Tanaka, Finkelstein & Lezcano.


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Study Clinical Psychology
Details of our Doctorate in Clinical Psychology.
Clinical Psychology
Our Clinical Psychology research group investigates psychological processes (cognitive, emotional, behavioural and physiological) which link to psychological problems. This in turn informs the prevention, identification and treatment of such problems in mental and physical health settings as well as the general population.
The team takes an applied science approach to the understanding and treatment of a range of problems across the lifespan. We have strong links with clinicians and researchers regionally, nationally and internationally.
Research focus
Professor Paul Salkovskis summarises the research of the Clinical Psychology group into anxiety and obsessive compulsive disorders.
Research activity covers most of clinical psychology and psychopathology with particular strengths in:
- Clinical Health Psychology
- Common mental health problems (anxiety and depression)
- Medically Unexplained Symptoms (Chronic Fatigue, Pain)
- Autistic Spectrum Disorders
- Psychosis
- Bipolar Disorder
- Long Term Physical Conditions (Respiratory Disease, Multiple Sclerosis)
The team have been particularly innovative in developing understanding and application of a range of problem specific and trans-diagnostic processes and their integration.
The unifying themes which guide our group include:
- Trans-diagnostic processes and strategies in treatment (for example)
- Safety seeking behaviour
- Emotional and other types of suppression
- Intolerance of uncertainty and threat related reactions
- Investigation of maintaining factors and treatments Integration of trans-diagnostic and specific approaches
- Stigma and self perception in mental health problems
- Prevention, Early Detection and Early intervention of psychological problems
- Clinical Health Psychology including interventions and behavioural change and Health decision making.
- Developmental factors and trans-generational issues in mental health problems
- Innovative approaches to the understanding of emotional regulation, such as Mindfulness, mental defeat, cognitive flexibility.
Our staff
- Prof Paul Salkovskis
- Dr Ailsa Russell
- Dr Jo Daniels
- Dr James Gregory
- Dr Emma Griffith
- Lorna Hogg
- Dr Claire Lomax
- Dr Maria Loades
- Josie Millar
- Dr Joanna Adams (on long term leave)


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The Millstadt Library was founded by the Millstadt Civic Club, a federated women's organization, in 1964. In April 1965 an Open House was held in a former one room schoolhouse made available by St. James Church and was renovated by Civic Club members and their husbands. In one year the library had outgrown its facilities and an appeal was made to the Village Board to be included in plans for a proposed Municipal Building. While the first referendum failed another appeal was made and in due time was passed by the voters of Millstadt.
On February 3, 1969 the Millstadt Library occupied the new quarters of the Municipal Building where it is still housed.
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