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Difference between revisions of "International Credentials"
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Latest revision as of 17:12, 26 February 2010
One of the most frequently asked questions to ALA's Office for Accreditation is:
I have a degree from a foreign institution. How can I find out if it is equivalent to an ALA-accredited master's? What courses or tests can I take to be accredited?
There is no set of courses or tests to take to be "accredited," the Office for Accreditation answers (ALA's accreditation is for master's degree programs only, not individuals). But see the full explanation on this topic from ALA's ALA Office for Human Resource Development and Recruitment (HRDR).
Briefly, the library science degrees from specific institutions in Australia, New Zealand, and the United Kingdom come out of formal accreditation processes and are considered acceptable for employment in the United States. HRDR has identified agencies that, for a fee, will evaluate library science degrees from any other countries. ALA does not recommend any specific agency listed nor does the provision of the information in any way imply ALA's endorsement of the results of the evaluation. The resource links provided are solely for information purposes and to help in locating potential evaluators.
Ultimately, it is up to the library employer to determine whether or not to accept a foreign degree as equivalent to an ALA-accredited master's degree in library science. The American Library Association does not conduct evaluations of transcripts or credentials or make recognition decisions. We also cannot serve as a channel of appeal for persons dissatisfied with evaluations. Contact HRDR with any further questions.

subset: commoncrawl


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Baker looking forward to working with Hamilton
GOODYEAR, Ariz. -- There is sure to be lots of attention placed by fans on top Reds prospect Billy Hamilton, who is in big league Spring Training for the first time. Hamilton, who was an early arrival, was a 2012 sensation as he stole a professional record 155 bases at Class A Bakersfield and Double-A Pensacola.
Manager Dusty Baker is looking forward to working with Hamilton, but doesn't have the excitement others have.
"I'm interested to get to know him as a person and know him as a player from seeing him first hand," Baker said on Thursday. "I look at things a little different than the fans. I look at what he needs to improve on or what he's doing good right now."
Hamilton, 22, switched from shortstop to center field during the offseason and is widely expected to be the Opening Day leadoff hitter in 2014. Some fans wouldn't mind seeing that timetable moved up, however.
"If you're playing winning baseball, there are things you have to do other than just stealing," Baker said. "Switch-hitting is new for him, playing a new position is new for him. There are things that you have to do and in order to do them, you have to play to get better at it. You've got an honors student, but he's a freshman, are you going to graduate him right away? I've seen speed before. We're all amazed by speed. You have to learn how to harness that speed."


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In SimCity 4, you don't just build your city, you breathe life into it. With god-like powers, you sculpt mountains, gouge riverbeds, and seed forests to lay the groundwork for your creation. Then construct the most realistic metropolis you can imagine. Your city comes alive with the hustle and bustle of construction crews, the snarl of traffic and the activity of your Sims. Build mansions on mountainsides, cross canyons with bridges and raise skyscrapers downtown.
Only registered members can share their thoughts. So come on! Join the community today (totally free - or sign in with your social account on the right) and join in the conversation.


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Geoff Fox story to be featured on Dr. Phil show next week
The story of former television weatherman Geoff Fox, and his fall from grace after a sexually charged online conversation became public last month, is about to get a much higher profile.
Fox's story will be featured next week on the syndicated "Dr. Phil" show, which airs on 215 television stations in the United States and is seen in 40 countries worldwide. The program featuring Fox's case is tentatively scheduled to air next Wednesday, according to a source at the show. In Connecticut, the "Dr. Phil" show airs on WTNH-TV at 9 a.m. weekdays.
Louis DiCenzo, a spokesman for the show, said Thursday that the episode involving Fox was taped Wednesday.
But DiCenzo would not say whether Fox's steamy Facebook-based exchange with New York City-based photographer Zoel Kennedy was merely a segment on the show or the entire program. The online conversation led to the meteorologist's mid-November firing at WTIC-TV Fox 61
DiCenzo would also not comment on whether Fox or Kennedy participated in the taping of the program. But a source said the show's host, Dr. Phil McGraw, was to talk with Kennedy.
Fox declined comment when contacted Thursday.
Kennedy, when contacted via e-mail and text Thursday, said she didn't have time to talk about the show, but offered to speak with the New Haven Register on Friday.
Kennedy's most high profile interview since Fox was fired in mid-November was on WPLR Nov. 27 on the "Chaz and AJ" morning show. In the interview, Kennedy said she and Fox became Facebook friends because of their mutual interest in photography.
"He would comment on my photos and then we would get in a discussion of what cameras we should use and things of that nature," she told the show's hosts.
Kennedy said that Fox sent her an instant message one night on Facebook at about 3 a.m. and said, "Well, I hope I didn't just cross the creepy line."
"I wanted to see how far he was going with what he was doing," she said of the explicit online conversation. "It became a game."
Kennedy, who told the WPLR hosts she is not married, said she believes her ex-boyfriend, who has access to her Facebook account, was responsible for posting the exchange on a blog, which ultimately led to Fox being fired.
Kennedy said in the WPLR interview that she feels bad that Fox got fired and is not seeking to exploit the incident to promote her career as a photographer.
Call Luther Turmelle at 203-789-5706. Follow him on Twitter @LutherTurmelle.


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Does the Orthodox Presbyterian Church oppose the practice of godparents, or is it deemed permissible? If so, on what grounds do you either support or oppose the practice?
The place of godparents in connection with baptism is acknowledged by Roman Catholics, Anglicans and Lutherans; such persons are also known as Sponsors. It is interesting that The Book of Common Prayer of the Reformed Episcopal Church—founded, 1873—says nothing concerning godparents. Similarly, the Westminster Confession and Catechisms do not mention godparents. I would be surprised to discover that Calvin favored godparents. If in his published works he does not oppose this practice, the reason may be that he did not deem it worthy of discussion, a theological non sequitur!
In the theology and practice of the OPC, a godparent role does not exist. God's relationship with his people is that in the institution of the family parents are sovereign, under God, over their children. Believers and their children are in covenant relationship with the Lord. There is no other human party in the baptismal event. Such is the teaching of the Word of God. It is the parent(s) who make vows at the font.
I hope I have engaged biblically and responsibly with your questions.
"Questions and Answers" is a weekly feature of the OPC website. The answers come from individual ministers in the Orthodox Presbyterian Church expressing their own convictions and do not necessarily represent an "official" position of the Church, especially in areas where the Standards of the Church (the Scriptures and the Westminster Confession of Faith and Catechisms) are silent.
The questions come from individuals like yourself. If you have questions about biblical and theological matters, you are invited to send them by e-mail by using the "Pose a Question" link on the OPC home page or by clicking here.
At least one new question is posted each week, so there should always be something new here for you to read. (For those people who would like to look at previous questions and answers, they will continue to be available as well.)
The purpose of the OPC website's "Questions and Answers" is to respond to biblical and theological questions. Matters of church discipline, disputes, or debates go beyond the scope of our work. We recommend that you present your concerns in these areas to the appropriate judicatory. In most cases this will be to a local pastor, elder, or session. We do not want the website to replace personal involvement in, or commitment to, the local, visible church.
While we will respond to every serious questioner, we are not bound to give a substantive answer to every question, should we deem the question to be beyond the scope of our purpose or our own ability to answer.
You will receive an answer by e-mail. Please be patient as many of our respondents are busy pastors. The response to your question may take up to two (2) weeks. Some of the questions submitted will be chosen to be posted here, along with the corresponding answers.
Note that the "Questions and Answers" posted on the site have been editedall personal references are removed, Scripture references or from some source may be added, and sometimes portions are expandedto make the questions and answers more useful to a larger audience.
|© 2020 The Orthodox Presbyterian Church
Chaplains and Military Personnel


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The Mountain Goats - Words and Music - 2012
It's no secret that John Darnielle—the man behind The Mountain Goats—has been one of the most impressive and consistent songwriters over the last decade and a half. JD also happens to be a tremendous conversationalist and an engaging interview. When John returned to FUV for a solo session, I asked him about the somewhat quick, 18-month turnaround between All Eternals Deck and the new album, Transcendental Youth. In his mind, writing a song a month isn't asking a lot and if he can't do that, maybe he needs to do something else. Thankfully, he keeps going.
John played a few new songs from album #14 from The Mountain Goats and dipped back in the catalog, too. We also talked about his role as a dad, a bit about classic (and present day) Black Sabbath, an under-appreciated Yoko Ono and more. Great fun!
[recorded: 09/11/12]
More from the WFUV Archives:


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'Should I Date This Weirdo Who Sniffs My Crotch Sweat at the Gym?' Asks Very Single Lady
What delightful tale of sexual deviance does surprisingly kinky advice columnist Dear Prudence have for us today? A woman contemplating dating a stranger she caught sniffing her crotch sweat at the gym? Yes, I think that will do.
I'm a fit, attractive 30-something single woman who enjoys working out at my local gym. A few weeks ago I noticed a cute guy seemed to have a similar schedule as mine. We also seemed to have a similar workout routine-bike, weights, swim etc. I've tried smiling at him once or twice, to see if there was any interest, but neither of us has made the first move. Then yesterday, I returned to my stationary bike as I had forgotten to wipe it down, and I noticed that he was standing next to it, rubbing the damp seat with an odd look on his face. He then pretended to have dropped something, but I saw that he was actually sniffing the seat, before returning to the locker room. I don't think he realized that he had been spotted. How do I proceed? He is very attractive, and I guess he is into me as well. Do I say something about what I saw, or should I continue flirting with him knowing what I know?
Dear Prudence's answer: "He's now made the first move. Don't you make the second."
Dear Gawker's answer: Never close your mind to the erotic possibility of Shaggy Dog cosplay.
[Dear Prudence, 'Horny Man in Fitness Studio' who resembles my co-worker via Shutterstock and for illustrative purposes only]


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Dedham High School has been taking part in the Mass Math and Science Initiative (MMSI), and the students are enjoying great success, creating a model for around the state of Massachusetts.
In kicking off the school's 5th year of participation in this program, Mass Insight Education director Joe Mahoney laid out the reality of how much better students are doing in STEM curricula once they reach college as a result of having taken part in this program. Read more in the Daily News Transcript.
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In my business, you never want to be a prisoner of the moment, but …
Sacred Heart Prep's 42-7 rout of El Cerrito on Saturday night for the Northern California Division III football championship was one I'll never forget.
All week, I heard that SHP had no shot against El Cerrito, that the Gauchos were too talented, too explosive, too powerful to lose to the tiny Atherton private school.
But, truth be told, I had no idea what would happen Saturday night.


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Across the first six months of 2011, amid anticipation of a growing economy putting upward pressure on interest rates, investors poured an estimated $21 billion into floating rate loan funds (according to estimated fund flows by Morningstar). That seemed like a good idea until the Fed announced its intention to keep rates low through 2013. Nearly $9 billion immediately flowed out of these same funds in the following two months. We might suggest this was a somewhat fortunate turn of events for those investors (traders?) if they were actually looking to this asset class for protection from rising rates.
The fact is that anyone looking to floating rate loan funds today for inflation protection should be a bit wary, primarily due to a change in the structure of new issuance following the financial crisis in 2008. The asset class simply does not possess the same characteristics it once did, and some funds could actually suffer during the first leg of a rising rate environment. Investors need to understand this change in the market structure as well as the operational peculiarities in the loan market in order to choose the fund that best fits their needs.
The LIBOR Floor
In no small part due the aforementioned financial crisis, total new issuance of floating rate loan funds fell from a peak of $288 billion in 2007 to just $39 billion in 2009, according to data from Standard & Poor's and JP Morgan. Not too surprisingly, when issuance began to pick up in 2010, unsure institutional buyers demanded more protection in the form of a minimum coupon as well as tighter loan covenants. Issuers solved the minimum coupon issue through a structure referred to as a 'LIBOR floor.'
Historically, floating rate loans were structured based on LIBOR (the London Interbank Offering Rate) plus a spread, e.g., LIBOR plus 3%, with the spread depending on the creditworthiness of the borrower. In practice, as LIBOR went up and down, so did the coupon payment on the loan, which was usually reset every 90 days. All was fairly good until LIBOR fell below 1% in the aftermath of the financial crisis. At that point, issuers didn't want to offer loans with 7% to 8% spreads in the event rates went back up, and buyers were not willing to purchase loans with total coupons of less than 3% to 4%.
Enter, then, the LIBOR floor. From there, loans were issued with a minimum rate, usually 1.5%, plus a more common 4% to 5% spread. It's estimated that roughly half of the loan market today has this kind of structure in place, with virtually all new issuance, now running at roughly $200 billion per year, having a LIBOR floor. While this combination gives investors a better total return in the short term, it takes away one of the major attractive qualities to floating rate asset class, namely the upward shift in coupon as rates rise.
Specifically, with LIBOR hovering between 25 and 50 basis points today, the rate could move up 125 basis points or so and the coupon paid to investors would remain unchanged. This portion of the market, in other words, would offer no rising rate protection to investors. Beyond that, when rates finally rise past the floor, issuers will have a large incentive to refinance the existing debt with new loans without a floor structure. They would likely have to incentivize buyers with slightly higher spreads, say 25 to 50 basis points, but would regain the upside potential if/when interest rates fall.
T + 7 for Loans, at Least
Trading and settlement in the floating rate loan market is also much more complicated than the traditional bond market. While bond trades typically settle in one to three days, loans take at least seven days and in some cases up to 10 days to settle from the date of purchase. This lag puts a considerable operational constraint on a '40 Act mutual fund, which by definition has to offer daily liquidity to investors. Floating rate loan funds typically combat this problem by holding higher levels of cash or by keeping a percentage of the fund's assets in conventional non-investment grade bonds. Both approaches have their shortcomings.
While cash provides a degree of cushion for portfolio managers needing to raise money during periods of significant outflows—August 2011, for example—the cash drag on a portfolio during more normal periods can be high. And conventional high yield bonds, while they do add to the portfolio's yield, can be subject to poor liquidity during times of stress. To mitigate the problems of each, many floating rate loan portfolio managers use a combination of the two tools to provide liquidity for the portfolio.
One way or the other, the degree to which cash and/or non-investment grade bonds is used in a floating rate loan fund changes its risk/reward profile relative to peers. Investors and advisors need to be aware of which approach is being used and to what extent.
And Yet, Still Worth a Good Look
The bottom line is that floating rate bonds, at least as the current market structure stands, do not provide the same level of inflation protection they used to. And investors and their advisors should closely examine the operational preferences of each fund to see just how the portfolio manager deals with the mismatch between daily liquidity and the longer settlement period for loans.
Still, challenges notwithstanding, the asset class has many attractive features. We believe floating rate loans, with higher current income than investment grade bonds with more safety and security than conventional high yield bonds, are worth checking out.
Author's disclaimer: Past performance is not indicative of future results. The opinions expressed herein reflect our judgment as of the date of writing and are subject to change at any time without notice. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Investment decisions should always be made based on the investor's specific financial needs and objectives, goals, time horizon, and risk tolerance. Information obtained from third party resources are believed to be reliable but not guaranteed. Any mention of a specific security is for illustrative purposes only and is not intended as a recommendation or advice regarding the specific security mentioned.


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Howard visits Phillies, talks motivation for 2014
ATLANTA -- Ryan Howard can say he never reads the newspapers, checks the Internet, listens to the radio or watches television, but he still hears the criticism.
He hears his best days are in the past, and the remaining three years and $85 million on his five-year, $125 million contract extension contract will weigh heavily on the Phillies' fortunes in the future.
"I think it drives people," Howard said Thursday afternoon at Turner Field. "I think a lot of guys say they don't listen to it -- and you try not to -- but, you know, it trickles in. You become motivated, a little fired up as far as that is concerned. But the main focus is for me to be fired up for myself, wanting to prove it to my teammates more than someone else."
So, yes, Howard is out to prove something next season.
"That I'm healthy, No. 1," he said. "And that I'm capable of doing the things I can do."
Howard joined the team for the final four games of the season after spending the past several weeks in Clearwater, Fla., recovering from left knee surgery, playing in simulated games and facing live pitching. He said he wanted to be here to support his teammates as they finish their first losing season since 2002.
The past two seasons have been a disappointment for the Phillies and Howard. The Phils will miss the postseason for the second consecutive year. Howard, meanwhile, missed much of 2012 recovering from left Achilles surgery before he had left knee surgery this July.
Howard has played just 151 games since he ruptured his Achilles in Game 5 of the 2011 National League Division Series, hitting .244 with 25 home runs, 99 RBIs and a .752 on-base-plus-slugging percentage in 609 plate appearances.
"It's not what you sign up for," he said. "It's the unfortunate side of the game where sometimes injuries happen, freak things happen. You try to continue to play through it until I just got to the point where I couldn't play through it anymore. For me, it's just about getting 100 percent healthy, getting back to where I know I can be, how I know I can play and come out and put all my focus on that this offseason and come out ready for 2014."
The Phillies have said several times in the past few weeks that Howard has dropped weight and is in much better shape than he has been in the past. Howard said he weighs about 248 pounds after being about 260 pounds earlier in the season.
But he also has toned up.
"It's more that I got leaner," the slugger said. "Muscle weighs more than fat."
Asked if he was out of shape because of his leg issues, Howard said, "I think it all plays a factor. Obviously, when you can't use your legs, it's tough to do cardio -- unless I'm running on my hands, or something like that. The goal is to have my legs this offseason and do the cardio and everything that I need to do -- work on speed and agility. My goal is to come back and be as efficient as I can be for 2014, in all aspects."
There is plenty work to do. Even before Howard ruptured his Achillies, his production had started to slip. He had a .931 OPS in 2009, but it dropped to .859 in '10, .835 in '11 and .718 in '12, before bumping up to .784 in limited action this season. Howard's .604 OPS against left-handers from 2011-13 ranks 247th out of 267 qualifying hitters in baseball.
"I was hitting left-handers in Spring Training," Howard said. "I think it is one of those things that comes back to the knee and being comfortable in the situation. I don't think it's something that could've been that far off if I was doing what I was doing in Spring Training. I think if I come back and I'm healthy, I'll hit lefties."
Manager Ryne Sandberg has preached plenty about pregame preparation since he replaced Charlie Manuel on Aug. 16. He said the other day he would like to see Howard implement more video work before games. It is something Howard hasn't done much in the past.
"There are some times when I go in and look at video," he said. "I understand it, and I think it's something I will try more to incorporate next year. Before it was one of those things where if I felt good, I didn't feel like I needed to look at video. But I think it is something I'll incorporate more next year."
But most important is Howard's health. The Phillies want Howard to enter camp in February healthy and ready to play. They want him in baseball shape.
"I'm looking forward to it," Howard said. "I've kept my ear to the ground and really have just tried to stay focused so I can come out and get this team and this organization back to where we belong, and that's on top."


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electroencephalographyəlĕk˝trōĕnsĕf˝əlŏg´rafē [key], science of recording and analyzing the electrical activity of the brain. Electrodes, placed on or just under the scalp, are linked to an electroencephalograph, which is an amplifier connected to a mechanism that converts electrical impulses into the vertical movement of a pen over a sheet of paper. The recording traced by the pen is called an electroencephalogram (EEG). Readings may be obtained for a particular brain site by coupling a single electrode with an indifferent, or neutral, lead (monopolar technique) or between two areas of the brain through two independent electrodes (bipolar technique). The combination of impulses that are being recorded at any one time is called a montage.
Sections in this article:
- Introduction
- Uses of EEGs
- Brainwave Patterns
The Columbia Electronic Encyclopedia, 6th ed. Copyright © 2012, Columbia University Press. All rights reserved.
See more Encyclopedia articles on: Medicine


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Islamic militants claim this week's Nigeria blast
LAGOS, Nigeria — Islamic extremists Saturday claimed responsibility for the massive rush-hour explosion this past week that ripped through a busy bus station in Nigeria's capital, Abuja, killing at least 75 people and wounding 141.
"We are in your city, but you don't know where we are," Abubakar Shekau, leader of the Boko Haram terrorist network, says in a new video that threatens more attacks.
"Yes, we are the ones who carried out the attack in Abuja," he says in Nigeria's Hausa language in the video, which was received through the same channels as previous ones.
Shekau makes no mention of the abductions of more than 100 girls and young women from a remote northeastern school hours after the bomb blast, also blamed on his fighters.
Officials say dozens of the girls have managed to escape, but 85 remain unaccounted for.
Parents and townspeople have joined security forces and vigilantes searching the Sambisa Forest for the kidnapped girls — an area dangerous because it is known to contain hideouts of the militants. Borno state's education commissioner, Musa Inuwo Kubo, said Friday that the girls who escaped have been sent to their homes all over the state for their own safety because there was no security, not at the school and not in Chibok town. It was unclear why the military haven't deployed troops at least to the school, where the girls have been brought once they escape. Some managed to jump off the back of the truck into which they were bundled in the dark of the pre-dawn attack. Others have escaped from an apparent militant camp, wandering in the bush until they are found.
Monday's explosion in Abuja, just a 15 minutes' drive from the presidential villa, was the first attack in two years on the capital, which is in the heart of the country and hundreds of miles from the militants' traditional stronghold in the northeast. The toll is expected to rise when pathologists say how many people were blown apart by the mighty blast that blew a hole 4-feet deep in the dirt of the Nyanya Motor Park.
It undermined government and military claims that they have contained the Islamic uprising to the extreme northeast of the country, and raised fears that the insurgency is spreading.
President Goodluck Jonathan declared a state of emergency in May 2013 and flooded the area with troops who speedily drove the extremists out of towns and villages. But they have been struggling for months now to dislodge the extremists from various hideouts.


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Image(s) and product specifications may not represent actual product and are subject to change.
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April 26, 2010
Magical Monday - Anything Goes
I think this turned fairly striking with the color combo. I almost always get the designer's projects before I do mine and I always open them up and always love them all and I'm always inspired by them as well and then sometimes it makes it hard for me to look at the image with my own perspective on how I might approach it. I love this image and think it is really versatile and love what the designer's all did with it. So, make sure you go by and check them out, because they are all so lovely as always!
Now, more on the personal side, baseball & softball season has officially started here in the Midwest. I don't even want to imagine how much more will be added to our schedule because of it too. With 2 of them playing we can pretty much kiss every Saturday day good-by and a few week nights as well, for practice and week night games. The one thing with Avery's game, I certainly can take my drawing pad or a good book, because let's just say, there is not a lot of action going on with the 5 & 6 year olds except tossing dirt into the wind or tackling each other and making a pile to get the ball when it is hit. Although, it can be interesting/funny to watch at times. One little boy on Saturday that was on second ran back to first instead of third, then onto third base, then onto the pitcher's mound, then back to third and the around the pitcher's mound again then back to first. I would say he was quite in his own little world of base running. Oh, and he was on our team too! :O) Morgan has not had her first game yet, but they will be much more interesting to watch. She is quite the little ball player and catcher. So, here are pics of our 2 players. Aren't they just the cutest? It was opening day with the parade, so needless to say we were there all day, well running back and forth. The parade was at 8:30, our game at 3:00 and practice for the other at 5:00. Crazy crazy, I only hope we can keep up with it all!
Well, thanks for stopping by and I always love your company and if you took time to read all this, I truly am blessed! Have a great Monday and here's to another week in my world! :O)
9 comments:
- Nilla said...
First, gorgeous kids!! Secondly, you really nailed this card! The colors and coloring are awesome!! Hugs Nilla
- April 26, 2010 at 7:50 AM
- The Other Patti Sue said...
Beautiful work of art! Love your colors! Your kids are gorgeous! They look so happy!
- April 26, 2010 at 7:58 AM
- Selma said...
Oh Wow Nina. This card is gorgeous. Your coloring is awesome -- makes the flowers look so dimensional. The ribbons are fantastic. Cherish the times with the kids -- they grow up so fast. You certainly have beautiful children. Thanks for sharing their pictures.
- April 26, 2010 at 9:10 AM
- A Consuming Passion said...
Hi Nina,
Beautiful Card love the ribbon treatment!
Love the photos - what gorgeous kids ..... you're very lucky. Sue Walsh
- April 26, 2010 at 10:07 AM
- Toni said...
Hi Hon,
Very pretty image and a very beautiful card, all those ribbons!
Sounds like you are going to be kept busy on Sats. Let us know of the games to be played. Oh yes, got my messy table cleaned off and now can get to my cuttlebug and die cuts!!!! Mom
- April 26, 2010 at 12:09 PM
- CraftinGranny said...
Fantastic card Nina. I love all the little bows down the side and the coloring is super.
I remember the days of baseball, and all the other sports my children and grandchildren played in. What I'd give to be able to be going to those games now. It won't be long before you'll be wishing they were young enough for you to have as much fun as you are having now. My ggchildren are too young yet but I hope I'm around to go to their events. They are beautiful children and I appreciate your sharing.
"Hugs" Granny
- April 26, 2010 at 5:26 PM
- merniebug said...
Gorgeous card. Those kids aren't bad either. Nice work all the way around.
- April 26, 2010 at 5:27 PM
- Leigh Anne said...
ooo Love the image ;) and all those ribbons like that! OH my morgan lookin so pretty and A-man! tooo cute!
- April 27, 2010 at 12:23 AM
- Betty Benton said...
Love the pictures of your kids -- they look so happy! And your coloring of the lilies is stunning! Beautiful card!
- April 27, 2010 at 5:01 AM


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Nine states still lack comprehensive laws banning texting while behind the wheel.
Despite statistics confirming the dangers of distracted driving due to texting, not all U.S. states have passed laws banning the practice. While 41 states have outlawed it, another six states have addressed the issue in a limited way with legislation. Three states still have no such law requiring that drivers refrain from texting while behind the wheel.
According to the Insurance Institute for Highway Safety, the six states that have passed laws limiting texting focus on new drivers. Arizona, Montana and South Carolina have no laws prohibiting drivers from texting while operating their vehicles. However, individual municipalities in Montana and South Carolina have created local-level bans for their respective jurisdictions, as previously reported.
The following states limit texting while driving, but have not enacted an outright ban:
South Dakota: Text bans have been put into effect for drivers with a learner's permit and for intermediate license holders.
New Mexico: Like South Dakota, texting bans are in place for drivers with a learner's permit and for intermediate license holders.
Texas: Currently, the law prohibits drivers from texting if they are younger than 18 years old or are bus drivers carrying minor passengers. In September, the law will prohibit texting while driving in school crossing zones and on public school property during times when reduced speed limits apply.
Oklahoma: The texting ban spans to drivers with a learner's permit, intermediate license holders, bus drivers and public transit drivers.
Missouri: All drivers 21 and younger are prohibited from texting while driving.
Mississippi: Similar to Oklahoma, Mississippi passed laws prohibiting drivers with a learner's permit, intermediate license holders and school bus drivers from texting while operating a vehicle.
States without full or partial texting while driving bans have also considered the issue legislatively.
In April, the Arizona State Senate decided against changing existing laws to ban texting while driving. According to news reports, Senate President Andy Biggs, R-Gilbert, claimed the amendment was unnecessary since "reckless driving" is already prohibited under Arizona law.
The Montana Senate took a similar stance in 2011 when it rejected a potential ban on texting while driving. Opponents of the bill said it would be unenforceable and would create more issues for law enforcement, according to local media.
Although South Carolina has no current bans across the board regarding texting and driving, state lawmakers are trying to push legislation ahead to make it illegal to text and drive.
Looking for the latest gov tech news as it happens? Subscribe to GT newsletters.


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Posts Tagged 'remind all writers'
My friend and colleague Elisa Southard and I met on Wednesday to outline our presentation for the San Francisco Writers Conference in February.
Conference registrants have described us as "The Elisa & Teresa Show" because we do skits to demonstrate our points, and, our sessions are always interactive."Writing-Career Coach Teresa & Talking-Tagline Coach Elisa Southard love helping authors hook attention from agents and publishers."
This year, SFWC creators Elizabeth Pomada & Michael Larsen want us to present: UPPING YOUR PLATFORM: Building Your Visibility Online and Off with YOUR Talking Tagline.
Fun! As a pre-conference exercise, I ask registrants to Google our names and see what our talking-taglines are.
Elisa Southard IS the Talking-Tagline Queen and the author of Break Through the Noise: 9 Tools to Propel Your Marketing Message.
She's my coach when I need to hook attention. She even dreamed up the main part of the title of my new guide ! Build Your Name, Beat the Game. What a gift! Thank you, Elisa!
Elisa's working on a new book herself. Meanwhile I'd like to remind all writers (and anyone who has a service to provide) to visit her website. http://breakthroughthenoise.com/
Elisa is often quoted as saying, "Don't kill a marketing moment, execute it."
Happy New Year, Elisa! And Happy Writing your new book!


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Dognapping cases reported
Suspects target Australian shepherds, Border collie breeds
It's every dog owner's nightmare.
Ames resident Jeremy Sprecher couldn't believe it when he read the post on the Story County Sheriff's Office Facebook page that there have been reports of many people who have had pets stolen or mysteriously disappear from their yard or acreage and farm. According to deputies, the owners reported seeing a white van in the area shortly before.
"I'll definitely be keeping a closer eye on (my dog) with that kind of thing going on," Sprecher said.
The post said the dognappers targeted Australian shepherds and border collie breeds.
Des Moines resident Mary Strait has an Australian shepherd named Lucy.
"When they're taking dogs, they're taking a member of the family, and that's just like kidnapping one of your children," Strait said.
Jay Wilson, animal welfare coordinator at The Animal Rescue League, said dognapping is not new in Iowa.
"(The dognappers) will cruise down the street, looking for dogs that are unattended," Wilson said. "As soon as someone has their back turned, they'll reach over the fence and grab the dog, put it in their vehicle and drive off."
Wilson said the stolen dogs are used as training bait in dog-fighting rings or sold to research laboratories.
"The family never gets any closure on this. It's just unthinkable," said Wilson.
"These people that are doing this, they need to stop and think about how they're destroying families," said Strait.
Wilson is advising dog owners never to leave their pets unattended and microchip them if possible. Research laboratories are required by law to scan for microchips, and if a dog is reported stolen, they have to return it.


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Homemade Christmas Cards
Before you send your holiday cards this year, Clinton's got some tips, tricks, do's and don't's that will make your card stand out from the rest of the stack this season.
Sign Off
If you're ordering your cards online the least you could do is sign it by hand!
Get Crafty
Make simple construction paper stencils. To get Clinton's templates click on the links below.
For PDFs
Tree and snowman
For JPEGs
Tree and snowman
Then lay the stencil down on paper and use and use a spray of your choice. Clinton suggests a white spray paint to mimic the look of snow. Or if you prefer the evergreen branches or leaves to give a natural look try a green or brown spray.
The Right Christmas Photo
No one wants to see you sprawled across your Lamborghini in front of your mansion with your horse standing next to you, okay?
Instead make your own photo cards with elegant or funny photos. You can buy photo paper at any office supply store, print them out, and trim into a square.
Cards Kids Will Love
Have a little fun with your cards. Make a googly-eyed reindeer! Use a brown stamp to make the faces, affix googly eyes and noses with glue and then, draw on your antlers! Your nieces, nephews, kids and grandkids are all sure to love it.


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Welcome to RedWolf Airsoft,
You've been selected to try the beta version of our new online store.
Would you like to try our completely new experience?
Given how old weapons and lights are, it is surprising how long it took to combine the two, and for the idea to become popular. Most shootings in law enforcement happen during the darker hours, so one would imagine that the need has been obvious. Maybe to make up for the neglecting attitude in the past, weapon-mounted lights are now being developed in the spearhead of illumination technology, and virtually all weapons with any kind of service use are readily designed for mounting a light.
The clumsy and heavy all metal lights with D-size batteries and conventional bulbs are in the past, and the modern weapon light has an LED, polymer parts and is powered by lithium batteries with a small size, light weight and high output. There are two schools to whether the weapon light should be dedicated to the weapon (Like the Alpha 9), or if a standard light should be mounted to the weapon with a separate pressure switch and vertical grip. While the latter option is more versatile if you only have one light, a dedicated model is more useful in our opinion if the light never comes off the weapon.
Made originally for real-steel use, the Rico Alpha 9 LED version is not restricted to one weapon type only. It fits all 20mm rails, provided that they are long enough. While you can commonly see these on the M4 and M16 models, it fits the G36 and others just as well and provides great looks and ergonomics. We tried the light on various brands of rails, and it fit all of them without any issues, so the mount is as universal as they come. It is as if the weapon and light combined were originally supposed to be together as one, and the "symbiosis" prevents snagging and other hassle.
As the main light, a super-bright Cree XRE series LED is used, which provides 225 lumens of blinding light. Together with the parabolic reflector, the beam range is 100 meters (328 ft)! Also the navigator lights are two white LEDs, although they are a regular type and purposedly dim for situations where you need a bit of light, but too much light would draw attention and ruin your night vision. The cool (sic) thing about LEDs is that they don't waste much energy as heat, so the mileage of one set of batteries is quite good at 60 minutes and the unit doesn't overheat even in extended use. The unit uses three CR123 3.0V lithium batteries as the power source, and the use of any other batteries (such as rechargeable 3.7V cells) is strictly prohibited.
The construction is rock solid with a 6061 T6 aluminum frame and fiber-reinforced nylon parts. The lens is 3.5 mm pyrex type to withstand hard use. All electronics are packed in epoxy to improve shock resistance, and the light is promised to be drop-resistant to 8 meters! There are obviously no flexes or creaks to be found when handling the light, and the whole weapon can be carried just by holding from the grip of the light. It is quite hefty at 650 grams as a result, but with many AEG models being a bit light in the front compared to real weapons, this only improves the feel. Also the vertical grip makes it easy to bear the weight.
Contrasted with the unit, the included casing isn't nearly as good. It's not like you really need to protect something that could be used as a melee weapon, but the flimsy plastic case had trouble keeping closed and the padding foam was visible through the seams. Normally it wouldn't receive this kind of treatment, but the light is just so good that we believe it would deserve a better casing as well.
The ergonomics of the Rico Alpha 9 LED are good for various hand sizes, and the switches are easy to reach. Activating the light takes a decisive grip, so you won't *blink* by accident and reveal your position. The mode selector between Momentary On / Off / Constant On is quite hard to move, which is good to prevent unintended movement, but the feel is not quite tactile, but a bit sticky instead. It's not a lever you need to move in a hurry, so it is not a critical issue.
If you have used a regular flashlight on a weapon before, you haven't seen anything (pun intended). Even when used in a normally lit office, the light is blindingly bright and lights up walls over the ambient light. In darker areas like most CQB fields the light not only allows you to see and aim precisely, but it also hinders the ability of your opponents to do the same. Despite the immense brightness, the light surpassed the promised runtime of 60 minutes, and it took over 1 hour and 20 minutes for the light to drop to 50% brightness when left on continuously.
... the Alpha 9 Tactical Illuminator (LED) by Rico Tactics is a brilliant weapon light with a rock solid construction and performance combined to a universal mounting option and great ergonomics. The sticky mode dial is the only issue we can point out with the light itself, and even that is a minor one. If you're looking for a step up in performance but don't quite want to shell out over 600 USD for other brands, the Rico Alpha 9 LED is surely worth considering.
Get yours by clicking here!


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And the first Dancing with the Stars injury of the season goes to... Bill Nye!
The scientist-turned-dancer was injured during Monday night's show. Further details were unavailable, but RumorFix, which first reported the news, says that Nye injured his knee and was rushed to the hospital.
Dancing with the Stars: Meet the Season 17 cast!
"We can confirm Bill Nye was injured during his performance last night and is currently seeking medical attention," an ABC spokesperson said in a statement. "We will continue to keep you posted on his progress."
Nye, 57, is far from the first Dancing contestant to suffer an injury while competing on the ABC reality series. Check out a whole gallery of injuries that have occurred on Dancing with the Stars here.


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5:46 p.m. EDT, October 15, 2013
The Hialeah Park poker room was flush with customers in its first full month, with pretty much a full house.
The new poker room outearned its south Broward and Miami-Dade competitors, with $692,417 in September revenue. That's well ahead of nearby Magic City Casino ($491,097) and Casino Miami Jai-Alai ($251,923) and swamps nearby Calder Casino and Race Course in Miami Gardens ($221,375) and Gulfstream Park Racing and Casino ($392,346) and Mardi Gras Casino ($364,082) in Hallandale Beach.
"We're trying to provide good service and a good experience for the customers," said Hialeah General Manager Steve Calabro, who hired the former Miami Jai-Alai poker director, Nelson Costa, to run the room.
Hialeah Park, which opened, Aug. 14, is getting a late start because it was not among the three Miami-Dade pari-mutuels that voters approved in 2008 for slots. But the Florida Legislature approved them in 2010 and Hialeah survived Florida Supreme Court challenges by rivals.
With less competition in north Broward, the poker room at Isle Casino and Racing in Pompano Beach earned $868,565 in September and the Palm Beach Kennel Club earned $854,155.
The Seminole Tribe of Florida isn't required to release revenue figures.
Hialeah's first full month of slot revenues were more in line with projections, with the casino pulling about $1 million each from its two nearest competitors. Magic City collected $5.8 million via slots, Hialeah $4.7 million and Casino Miami Jai-Alai $4.3 million.
Calabro also had pledged that Hialeah would have the best payback percentage of any casino. It tied with Magic City, with both returning 93.75 percent of each slot dollar played.
I know Hialeah had hot poker giveaways/high hands, but so did most other card rooms. So, I'm trying to figure out, why did they have such a huge month.
Reader thoughts? Email me at firstname.lastname@example.com if you don't want to bother with our registration process.


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Remember the oil filter ad from the 1970s, where the gruff, grease-stained car mechanic scowls at the camera and says, "You can pay me now, or you can pay me later?"
That's exactly what we are facing in Michigan. Only it's been that way for a decade when it comes to dealing with the stuff – the fancy word is "infrastructure" – that will define much of our future: The condition of our roads and the quality of our young people's minds.
Roads first. It's been a long and terrible winter, and the thaw we're seeing these days sure is welcome. But today's thaw means tomorrow's potholes. The harder the winter, the more and deeper the potholes. And the more expensive, especially when you discover that big thud you heard when you were driving home means a trip to the shop for a tire and a maybe a new wheel.
To his credit, Gov. Rick Snyder has been pushing for years for the big money needed to fix our roads. But it's an election year, so of course the legislature has been doing everything possible to avoid facing facts and coming up with the money everybody knows we need to fix our concrete ribbons.
The first step in this year's political pander dance was for a couple Republican senators to propose – what else? – a tax cut. But when it turned out that would pay for, maybe, a couple of lattes at the local Starbucks, support cooled. And when we got the thaw and as people gasped at the potholes, the political class began to re-think.
I'm told by Lansing insiders that legislators, regardless of party, are being pounded big time to do something about the roads. "Something" may not mean the $1.2 billion per year that Gov. Snyder has been talking about, but it's got to be a serious, long-term program to bring our roads into the 21st Century, not just a few slabs of cold patch and a thin skin of new paving.
If it's ever going to be done politically, it will have to be done pretty quickly, while folks are seeing firsthand just how much it costs everybody to shirk taking care of basic infrastructure.
Investing in our students
Now consider our colleges and universities. They are just as basic as the roads to our future, since they have to do with the talent and skills of our young people.
Disgracefully, over the past decade, state spending on higher ed has been cut by more than half. The result has been rapidly rising college tuition … and mushrooming student debt, which is now an average of $29,000 per graduate, according to the higher education data website CollegeInSight.org.
The nonpartisan House Fiscal Agency reports state support used to cover more than half a college degree's cost. Today, it's only around 20 per cent. Michigan is one of the few states in the nation that spends more on warehousing felons in our prison system than on educating our young people.
In his State of the State message in January, Gov. Snyder proposed increasing support for higher education by 6.1 per cent. Many people, led by Business Leaders for Michigan, are saying it's about time. But, politics has a way of getting in the way, especially in an election year.
So far, much of the debate has been dominated by legislators who seem to think an uneducated workforce will guarantee prosperity for us all.
Democratic lawmakers, who usually favor increased support for higher education, have been largely silent on the subject, probably because they don't want to make the governor look good.
How come? Democrats think it is good politics to bash Gov. Snyder for short changing the schools. And because spending on both schools and colleges is bundled in an "omnibus" bill, they don't want to join in a bipartisan vote for passage – even at the risk of hurting our universities, young people, their families and our future.
Higher education increases lifetime earnings. According to the Anderson Economic Group, median wages for Michigan workers with a BA are $20,000 higher than those with only a high school diploma; the gap widens to $40,000 for those with advanced degrees.
And, according to the Lumina Foundation, which is designed to increase the number of Americans with degrees, we'll need an additional 900,000 workers with an associate's degree or higher to meet the workforce demands of the next decade.
So here we have two cases – roads and colleges – in which partisan politics is preventing our lawmakers from taking long overdue essential actions for our long-term good.
To be fair, most lawmakers are good people who start out running for office to make things better. But as their re-election dates draw near, their calculus has a way of changing.
Maybe we should arrange to play that old "pay me now or pay me later," at party caucuses and both houses of the legislature.
For its message is even more relevant than ever: Paying now for long-term essentials makes far more sense and is far better – and far cheaper – than paying later.


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If you are hosted with Hostgator, you may have a problem with the automatic thumbnail generation feature that many WordPress themes provide. To solve this:
1. Login to your Hostgator control panel and contact Live Chat Support.
2. Ask the support technician to white list your thumbnail generation file for mod_security . You will need to give your file name and path. The file name mostly will be timthumb.php . You can find this file inside the WordPress theme folder. An example file path wp-content/themes/theme_name/timthumb.php
This is a known issue with Hostgator's WordPress hosting and all the technicians can recognize your request. This problem will be solved by them in minutes.


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Format of Application For Delete Name from Ration Card
I, _______ SON OF _______ RESIDENT OF _______, do hereby solemnly affirm and declare as under:-
1. That I am the permanent resident of above said address.
2. That I am the Ration Card Holder bearing its No. ________.
3. That my father's namely _______ (Aged about ___ years) & my mother namely _______ (Aged about ___ years).
4. That I want to delete/remove my _______ name in my Ration Card.
5. That my above said statement true and correct.
Verified that the contents of above my said affidavit are true and correct to the best of my knowledge and belief and nothing has been concealed therein.


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Todd: Basic Numerical Mathematics
Basic Numerical Mathematics is a two volume work by John Todd, published by Birkhäuser in 1977. The first volume, Numerical Analysis was for Donald H Sadler, the second volume Numerical Algebra was for Olga Taussky Todd. We give below the Preface to the two volumes.There is no doubt nowadays that numerical mathematics is an essential component of any educational program. It is probably more efficient to present such material after a strong grasp of (at least) linear algebra and calculus has already been attained - but at this stage those not specializing in numerical mathematics are often interested in getting more deeply into their, chosen field than in developing skills for later use. An alternative approach is to incorporate the numerical aspects of linear algebra and calculus as these subjects are being developed. Long experience has persuaded us that a third attack on this problem is the best and this is developed in the present two volumes, which are, however, easily adaptable to other circumstances.
The approach we prefer is to treat the numerical aspects separately, but after some theoretical background. This is often desirable because of the shortage of persons qualified to present the combined approach and also because the numerical approach provides an often welcome change which, however, in addition, can lead to better appreciation of the fundamental concepts. For instance, in a 6-quarter course in Calculus and Linear Algebra, the material in Volume 1 can be handled in the third quarter and that in Volume 2 in the fifth or sixth quarter.
The two volumes are independent and can be used in either order - the second requires a little more background in programming since the machine problems involve the use of arrays (vectors and matrices) while the first is mostly concerned with scalar computation.
In the first of these, subtitled "Numerical Analysis", we assume that the fundamental ideas of calculus of one variable have been absorbed: in particular, the ideas of convergence and continuity. We then take off with a study of "rate of convergence" and follow this with accounts of "acceleration process" and of "asymptotic series" - these permit illumination and consolidation of earlier concepts. After this we return to the more traditional topics of interpolation, quadrature and differential equations.
Throughout both volumes we emphasize the idea of "controlled computational experiments": we try to check our programs and get some idea of errors by using them on problems of which we already know the solution such experiments can in some way replace the error analyses which are not appropriate in beginning courses. We also try to exhibit "bad examples" which show some of the difficulties which are present in our subject and which can curb reckless use of equipment.
In the Appendix we have included some relatively unfamiliar parts of the theory of Bessel functions which are used in the construction of some of our examples. This is at a markedly higher level than the rest of the volume.
In the second volume, subtitled "Numerical Algebra", we assume that the fundamental ideas of linear algebra: vector space, basis, matrix, determinant, characteristic values and vectors, have been absorbed. We use repeatedly the existence of an orthogonal matrix which diagonalizes a real symmetric matrix; we make considerable use of partitioned or block matrices, but we need the Jordan normal form only incidentally. After an initial chapter on the manipulation of vectors and matrices we study norms, especially induced norms. Then the direct solution of the inversion problem is taken up, first in the context of theoretical arithmetic (i.e., when round-off is disregarded) and then in the context of practical computation. Various methods of handling the characteristic value problems are then discussed. Next, several iterative methods for the solution of systems of linear equations are examined. It is then feasible to discuss two applications: the first, the solution of a two-point boundary value problem, and the second, that of least squares curve fitting. This volume concludes with an account of the singular value decomposition and pseudo-inverses.
Here, as in Volume 1, the ideas of "controlled computational experiments" and "bad examples" are emphasized. There is, however, one marked difference between the two volumes. In the first, on the whole, the machine problems are to be done entirely by the students; in the second, they are expected to use the subroutines provided by the computing system - it is too much to expect a beginner to write efficient matrix programs; instead we encourage him to compare and evaluate the various library programs to which he has access.
The problems have been collected in connection with courses given over a period of almost 30 years beginning at King's College, London, in 1946 when only a few desk machines were available. Since then such machines as SEAC, various models of UNIVAC, Burroughs, and IBM equipment and, most recently, PDP 10, have been used in conjunction with the courses which have been given at New York University, and at the California Institute of Technology.
We recommend the use of systems with "remote consoles" because, for instance, on the one hand, the instantaneous detection of clerical slips and, on the other, the sequential observation of convergents is especially valuable to beginners. The programming language used is immaterial. However, most of the problems in Volume 1 can be dealt with using simple programmable hand calculators, but many of these in Volume 2 require the more sophisticated hand calculators (i.e., those with replaceable programs).
The machine problems have been chosen so that a beginning can be made with very little programming knowledge, and competence in the use of the various facilities available can be developed as the course proceeds. In view of the variety of computing systems available, it is not possible to deal with this aspect of the course explicitly - this has to be handled having regard to local conditions.
We have not considered it necessary to give the machine programs required in the solution of the problems: the programs are almost always trivial and when they are not, the use of library subroutines is intended. A typical problem later in Volume 2 will require, e.g., the generation of a special matrix, a call to the library for a subroutine to operate on the matrix and then a program to evaluate the error in the alleged solution provided by the machine.
Courses such as this cannot be taught properly, no matter how expert the teaching assistants are, unless the instructor has genuine practical experience in the use of computers and a minimum requirement for this is a personal familiarity with a significant proportion of our problems, or of a similar set of problems. Such an experience will be helpful in the selection of problems to be assigned, and in the order in which they should be attacked. Further benefit will accrue from an inquiry, explicit or implicit, as to the objective of the problems: routine manipulation, preparation for future work, alternative approaches to material already covered, etc.
We have occasionally left blanks for numerical values to be filled in by the reader: for instance in cases where the result is sensitive to the machine used, or where it is important that the reader has personally dealt with the material.
Finally, I acknowledge gratefully, on the one hand the continuing courtesy and assistance of the Birkhäuser-Verlag, and, on the other hand, the help of generations of devoted teaching assistants, some now distinguished mathematicians, who bore the brunt of passing on the knowledge I acquired, and whose comments have been of great value.
Last Updated August 2007


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CFO Moves this week include:
|The New York Times Company
|Sabre Corporation
|Renovate America
|First National Bank and Trust Company
|Dean Foods Company
|BKF Capital Group, Inc.
|Interlink Electronics, Inc.
|Prime Risk Partners
|WidePoint Corporation
|Guidewire Software, Inc.
|Esterline Corporation
|Marlette Funding, LLC
|Vector Solutions
|Eyenovia Inc
|First Hawaiian, Inc.
|Nortech Systems
|Blackboard Inc
|MISTRAS Group, Inc.
|Bead Industries, Inc
|Wheeler Real Estate Investment Trust, Inc.
|Academy, Ltd
|DiamondRock Hospitality Company
|Amplyx Pharmaceuticals
|Arotech Corporation
|IBC Advanced Alloys Corp.
|Sundance Strategies, Inc.
Would you like to receive our weekly CFO Moves directly in your email? Click the SIGN ME UP! button on the right of the blog page.
Should you have any CFO Moves to report, please email us.
NOTE: CFO Search Report available monthly to CFOs only. Read more here.
CFO Moves is published by Samuel Dergel (Executive Search Consultant and CFO & Financial Executive Search Specialist with Dergel Executive Search). Samuel can be reached by email at firstname.lastname@example.com or by phone at +1 (415) 738-2070.
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IBM (International Business Machines Corporation) [ARMONK, NEW YORK] announced that Martin J. Schroeter, Senior Vice President and Chief Financial Officer, will take a new role as Senior Vice President, Global Markets. In addition, James J. Kavanaugh will become Senior Vice President and Chief Financial Officer. Mr. Kavanaugh is currently Senior Vice President, Finance and Operations, and served as IBM's Vice President and Controller from 2008 to 2015.
The New York Times Company [NEW YORK] announced that Rachel Glaser, the chief financial officer of Etsy, Inc., has been appointed to its Board of Directors. Ms. Glaser joined Etsy in June of 2017. Previously, she served in the chief financial officer role at both Leaf Group, and Move, Inc. She was chief operating officer and chief financial officer for MyLife.com and was senior vice president, operations and finance for Yahoo! She began her career at The Walt Disney Company and served in a variety of finance, operations and technology roles over 19 years there.
Sabre Corporation [SOUTHLAKE, Texas] (NASDAQ: SABR) announced that Chief Financial Officer Rick Simonson has notified Sabre of his intention to retire from his role as CFO of Sabre.
Hemanext (formerly New Health Sciences) [Bethesda, MD] appointed Lynn Mallett as V.P. and CFO. Ms. Mallett was most recently a finance executive at Baxalta, Inc, where she was Senior Director and Finance Head for both the global Biosimilars Commercial Team and the global R&D Function. Before that, Ms. Mallett held various finance positions at Pfizer, Inc, from 2008 to 2015. Prior to that she served as Head of FP&A at NxStage Medical, Inc., and various Finance Managerial roles at Serono, Inc and Haemonetics.
Renovate America [SAN DIEGO] announced Adam Garfinkle as Chief Financial Officer. Garfinkle joined Renovate America in 2015 as SVP and Head of Capital Markets. Garfinkle spent 13 years as Head of the Asset Backed & Mortgage Backed Structured Finance Group at Bank of America Securities.
ViralGains [BOSTON] announced the appointment of Vic Pierni as Chief Financial Officer. Pierni previously served as CFO of Global Capacity, Verivo Software and Macgregor, in addition to senior roles at KPMG.
First National Bank and Trust Company [BELOIT, WIS.] announced that David McCoy has been promoted to President and Chief Financial Officer (CFO), and has been elected as the newest member of the Board of Directors of Centre1 Bancorp, Inc., the holding company of FNBT. Previous CFO Steve Eldred will continue as CEO and Chairman of the Board. McCoy joined the company in October 2016 as EVP and CFO. McCoy came to FNBT from The National Bank & Trust Company, where he was senior vice president (SVP) and CFO. He was director of risk management services for RSM McGladrey from 2005 to 2006, and was on the executive management team as SVP, CFO and enterprise risk management officer for Fifth Third Bank from 1993 to 2004.
Dean Foods Company [DALLAS] (NYSE: DF) announced Jody Macedonio will join the Company as Executive Vice President and Chief Financial Officer. Macedonio previously served as the Senior Vice President of Finance for the North America Laundry and Beauty Divisions of Henkel AG, where she served as Senior Vice President, Finance, Planning and Treasurer. Prior to joining Sun Products in 2012, Macedonio was employed at PepsiCo where she held several positions after joining in 1999, including serving as Chief Financial Officer and Vice President, Finance for the North Business Unit of Frito-Lay. Prior to joining PepsiCo, Macedonio served in finance positions at Nestlé, SmithKline Beecham and Chemical Bank.
BKF Capital Group, Inc. [WESTLAKE VILLAGE, Calif.] (OTC PINK: BKFG) announced that David S. Burnett has joined the company as its Chief Financial Officer. In addition to being named Chief Financial Officer at BKF Capital Group, Mr. Burnett was also appointed Chief Financial Officer of Interlink Electronics, Inc. Mr. Burnett was previously Chief Financial Officer of Interlink during 2016 and 2017, and has continued to serve in a consulting capacity since leaving in April 2017. During the interim period, Mr. Burnett was Chief Financial Officer of Palmetto Clean Technology, Inc. Prior to joining Interlink the first time, Mr. Burnett served in various management positions with EnPro Industries, Inc., most recently Vice President and Treasurer. Before EnPro, his history includes a long stint as a Director at PricewaterhouseCoopers LLP and Senior Manager at Grant Thornton LLP.
Interlink Electronics, Inc. [WESTLAKE VILLAGE, Calif.] (NASDAQ: LINK) announced that David S. Burnett has rejoined the company as its Chief Financial Officer. In addition to being named Chief Financial Officer at Interlink, Mr. Burnett was also appointed Chief Financial Officer of BKF Capital Group, Inc. Mr. Burnett was previously Chief Financial Officer of Interlink during 2016 and 2017, and has continued to serve in a consulting capacity since leaving in April 2017. During the interim period, Mr. Burnett was Chief Financial Officer of Palmetto Clean Technology, Inc. Prior to joining Interlink the first time, Mr. Burnett served in various management positions with EnPro Industries, Inc., most recently Vice President and Treasurer. Before EnPro, his history includes a long stint as a Director at PricewaterhouseCoopers LLP and Senior Manager at Grant Thornton LLP.
Prime Risk Partners [ATLANTA] announced that J. Scott Tofil has joined the company as Executive Vice President and Chief Financial Officer. Scott began his career as a CPA with a local public accounting firm in Atlanta followed by his service as the controller at Matrix Resources, from 1992 until 1999. He then served as controller for several startups from 1999 until 2005 before joining Beecher Carlson in May 2005, where he served as Vice President and Controller. Scott served as Senior Vice President, Chief Financial Officer and Chief Accounting Officer of the Beecher Carlson division until joining Prime Risk Partners.
WidePoint Corporation [MCLEAN, Va.] (NYSE: WYY) announced that Kito Mussa has been appointed Executive Vice President and Chief Financial Officer. Prior to this appointment, Mr. Mussa served as WidePoint's Vice President and Controller from January 2012 to October 2017 and then as the Interim Chief Financial Officer from October 2017 to December 2017.
Guidewire Software, Inc. [FOSTER CITY, Calif.] (NYSE: GWRE) announced that Richard Hart, its Chief Financial Officer, will transition to a new role of Chief Strategy Officer. Succeeding Mr. Hart will be Curtis Smith, who has been the Chief Financial Officer for Keynote Systems, Inc. and Infusion Software, Inc. for the past seven years, and, prior to that, as a finance and strategic advisor to the software industry.
Esterline Corporation [BELLEVUE, Wash.] (NYSE: ESL) announced that Stephen Nolan, Chief Financial Officer for Vista Outdoor, Inc., will succeed Robert George as Esterline's Chief Financial Officer. George has been with Esterline as Chief Financial Officer for 21 years, and will remain with the company in a special advisory role. Nolan most recently served as Chief Financial Officer for Vista Outdoor, Inc. Prior to that, he spent nearly a decade in strategic and operational management roles with ATK, including Senior Vice President for Strategy and Business Development and several business unit leadership positions. Earlier in his career, Nolan served for five years in corporate development and strategy roles at Raytheon Company.
Vixxo [SCOTTSDALE, Ariz.] announced that Travis Chester will take on the role as chief financial officer. Prior to joining Vixxo, Travis served as vice president and chief financial officer of Honeywell International's Aerospace group. Previous senior leadership roles include Invitrogen Corporation and General Electric Corporation.
Marlette Funding, LLC [WILMINGTON, Del.] announced the appointment of Mark Elbaum as the company's new chief financial officer (CFO). Most recently, Mark was the CFO of Merrill Lynch, Bank of America's Wealth Management business. Prior roles included 18 years in the mortgage industry as CFO of Bank of America's mortgage lending division. Before that, at Countrywide, he held the position of CFO of the Residential Lending Division. After starting his career at Price Waterhouse, Mark worked at Aames Financial Corp.
Vector Solutions [TAMPA, FLA] announced that Carla Luke has taken the role of Chief Financial Officer. Before joining Vector Solutions, Luke worked as the CFO at Greenway Health. Luke's professional experience also includes roles as Chief Accounting Officer at Greenway, VP/Controller at Vitera Healthcare Solutions, Sage Software Healthcare and WebMD. Prior to her nearly 14 years with the company that would become Greenway Health, Luke worked in financial leadership roles at Comdial Corporation, Vicorp, and Danka Business Systems after starting her career in public accounting with PricewaterhouseCoopers.
Eyenovia Inc. [NEW YORK] announced the appointment of John Gandolfo as Chief Financial Officer. Prior to joining Eyenovia, Mr. Gandolfo spent more than seven years at Xtant Medical Holdings, Inc., where he served as CFO. He has also served as the CFO at Progenitor Cell Therapy LLC, Power Medical Interventions, Inc., and Bioject, Inc. Mr. Gandolfo started his professional career at Price Waterhouse.
First Hawaiian, Inc. [HONOLULU] (NASDAQ: FHB) announced that Michael Ching, Chief Financial Officer and Treasurer of First Hawaiian, Inc. and First Hawaiian Bank, will be leaving the company. His last day of employment will be January 31, 2018. He will continue to assist the company on a consulting basis, and, effective February 1, Eric Yeaman, President and Chief Operating Officer, will serve as acting CFO.
Nortech Systems [MINNEAPOLIS] (NASDAQ: NSYS) has named Connie Beck as vice president and chief financial officer. Beck was vice president of finance and controller for MOCON, Inc. from 2013 to 2017. (MOCON was acquired by AMETEK in June 2017.) Prior to MOCON, Beck held director-level financial reporting positions with public companies Navarre Corporation and Lakes Entertainment, Inc. She also has over 10 years of public accounting experience with Grant Thornton, McGladrey & Pullen and Protiviti.
Blackboard Inc. [WASHINGTON] announced that Chief Financial Officer Lisa Mayr will be leaving Blackboard at the end of January to pursue an opportunity at a small Washington, D.C.-based tech company. Lisa joined Blackboard in 2013 as Vice President of Finance and was named CFO in August 2016. Chief Legal Officer Stuart Kupinsky will serve as Interim CFO.
MISTRAS Group, Inc. [PRINCETON JUNCTION, N.J.] (NYSE: MG) named Edward J. Prajzner its new Senior Vice President and Chief Financial Officer. Prior to joining MISTRAS Group, Mr. Prajzner served as Chief Financial Officer of CECO Environmental Corporation. Prior to serving as CECO Environmental's CFO, Mr. Prajzner, began his career at Ernst & Young before holding senior finance roles at CDI Corporation (now AE Industrial Partners), and American Infrastructure (now Allan Myers).
Wiser [BOSTON] named Mathieu "Mat" Gagné as its first Chief Financial Officer (CFO). Gagne previously served as CFO at Alert Innovation, EBI Consulting and MyWebGrocer.
Bead Industries, Inc. [Cheshire, CT] announced that Kristen Sawyer has been promoted to CFO after serving as Corporate Controller for the past two years at Bead. Prior to that, Sawyer served as Audit Manager for nearly 8 years at CohnReznick. She started her career with EY (formerly Ernst & Young, LLP).
Wheeler Real Estate Investment Trust, Inc. [VIRGINIA BEACH, Va.] (NASDAQ: WHLR) announced that Wilkes Graham has notified the Company of his intention to resign as Chief Financial Officer to accept a position with a privately-held real estate development company located in Atlanta, GA. The resignation will take effect after a transition period, which is expected to end on or before March 4, 2018.
Academy, Ltd. d/b/a Academy Sports + Outdoors [KATY, Texas] announced the appointment of Michael Mullican as Chief Financial Officer, a position he has held on an interim basis since September 2017. Michael joined Academy in February 2017 as Executive Vice President, General Counsel. Prior to Academy, Michael served as the Managing Director of Aureus Health Services, a Meijer specialty pharmacy where he was responsible for leading the organization following the acquisition by Meijer. Before being named Managing Director at Aureus, Michael held several leadership roles at Meijer, including Vice President of Business Development and Vice President and Assistant General Counsel. Additionally, Michael served as Divisional Counsel and Assistant Secretary at Family Dollar Stores, Inc. and Associate General Counsel and Assistant Secretary at Horizon Lines, Inc.
AmeriLife [CLEARWATER, Fla.] appointed James "Jim" Quinn as its Chief Financial Officer. Prior to joining AmeriLife, Quinn served as Senior Vice President of Corporate Development for Marsh & McLennan Agency, the middle market platform of Marsh. He began his career with Goldman Sachs and spent over a decade with Olympus Partners, a middle market private equity firm. Karen Surplus, who has served as AmeriLife's Chief Financial Officer, will remain with the company in a transitionary role as Senior Vice President of Finance in charge of special projects, supporting the Office of the CFO.
DiamondRock Hospitality Company [BETHESDA, Md.] (NYSE: DRH) announced that Sean M. Mahoney, Executive Vice President and Chief Financial Officer, will leave the Company on March 31, 2018 to pursue other opportunities.
Amplyx Pharmaceuticals [SAN DIEGO] announced that Alan Fuhrman has been appointed as Chief Financial Officer of Amplyx. Prior to joining Amplyx, he served as CFO of publicly-traded Mirna Therapeutics, a clinical-stage microRNA company that merged with Synlogic in August 2017. Prior to that, Mr. Fuhrman was CFO of Ambit Biosciences, until its sale to Daiichi Sankyo in 2014. He has also served as the CFO at Naviscan and Sonus Pharmaceuticals. Mr. Fuhrman currently serves on the Board of Directors and as Chair of the Audit Committee for Loxo Oncology.
Arotech Corporation [ANN ARBOR, Mich.] (NASDAQ: ARTX) announced that it has hired Kelli L. Kellar as Vice President – Finance. Ms. Keller begins her employment with Arotech today, and starting April 1, 2018, Ms. Kellar will take over the role of chief financial officer from current Senior Vice President – Finance and CFO Tom Paup, who will be retiring at the end of March. From November 2013 until accepting this position with Arotech, she was Senior Manager of External Reporting, PP&E Reporting and IFRS Accounting with Fiat Chrysler Automobiles. From May 2009 until November 2013, Ms. Kellar was Vice President and controller of Silverpop Systems, Inc. Since 1995 Ms. Kellar has held accounting and finance positions with both public and private companies, including serving from 2007 to 2009 as Chief Accounting Officer with Premier Exhibitions, Inc.
IBC Advanced Alloys Corp. [FRANKLIN, Ind.] (TSX-V: IB, OTCQB: IAALF) announced the appointment of James P. Taylor to the position of Interim Chief Financial Officer, effective Monday, January 15, 2018. Mr. Taylor replaces David Anderson, who has resigned as IBC's Chief Financial Officer. Currently, Mr. Taylor serves as CFO of Hampson Equities Ltd. From 2013-2017, Mr. Taylor served as CFO of Para Resources Inc. Prior to that, he served as CFO for Cyber Development Group International, LLC.
Sundance Strategies, Inc. [PROVO, UT] (OTC PINK: SUND) announced the appointment of Karl Farnsworth as Chief Financial Officer. Before joining Sundance Strategies, Karl was CFO of Amedica Corporation. He also served as the SVP and Treasurer of Energy Solutions, Inc. (ES) in Salt Lake City, Utah. Prior to relocating to Utah he was the CFO of Alcan Products Corp. of the Rio Tinto Group (RIO). Earlier in his career, Karl was CFO within the Rheinmetall Group (RHM). Additionally, Karl has worked close to a decade in the Oil and Gas Industry with Kerr-McGee Corporation (now Anadarko Petroleum Corp. (APC) and Marathon Oil Company (MRO) as Chief Accountant and International Auditor, respectively.


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Adobe has published security bulletins for Adobe Digital Editions (APSB16-28), Adobe Flash Player (APSB16-29) and Adobe AIR SDK & Compiler (APSB16-31). Adobe recommends users update their product installations to the latest versions using the instructions referenced in the relevant bulletin.
This posting is provided "AS IS" with no warranties and confers no rights.


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Skeeter Heard Worldwide On Newsline
Once again this week, KIXS 108 Morning Show host Skeeter Nash will be anchoring the Amateur Radio Newsline® report, heard around the world, over the ham radio airwaves, and online at www.arnewsline.org. This is a valuable service to ham radio operators worldwide, with reports coming in from all around the globe. A dedicated group of volunteers produce these reports, and they use their background in broadcast radio and/or television to give these weekly updates a very
polished, professional sound. This weekly newscast-formatted digest of happenings in the world of ham radio has been in production for over 35 years, and has never missed a week in all that time! Bill Pasternak WA6ITF is the Executive Producer and co-founder of Amateur Radio Newsline, which is a non-profit organization. All involved--including Yours Truly--volunteer our time and talents.
The audio is available as a podcast, and it is actually "broadcast" over ham radio repeater systems and by individual amateur radio operators around the globe. Skeeter is the anchor on this week's Newsline, and you can check it out for yourself at www.arnewsline.org.
If you're interested in learning more about amateur radio, and how to become a licensed ham operator, go to the American Radio Relay League website by CLICKING HERE.
Check out this video Skeeter produced showing how he puts together the anchor audio for Newsline!


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Consider a set of algebraic integers which lie on the unit circle, they will generate a multiplicative subgroup of $\mathbb S^1$. Do these objects have a name?
I would guess they contain useful arithmetic/number theoretic information, for example if the generating set is the set of roots of an irreducible polynomial, what kind of information would they contain?
Has the group structure of the elements of a number field which lie on the unit circle $\mathbb S^1$ and the subgroup of it which is made up of algebraic integers been studied.
Would greatly appreciate if you could suggest a reference.
Regards Vagabond
It would be real nice if you could answer keeping in mind that I do not know much Algebra/ commutative algebra/ algebraic geometry. But I hope that does not stop you from answering.


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"I find it an amazing idea that a volume of photographs, even one from the distant past, can explode into life at any time, when stumbled upon by a sympathetic reader."
—Martin Parr, from his introduction to The Photobook: A History, Vol. 1 (Phaidon 2004)
The photobook long ago broke free of the confines of the coffee table, and has become not only an essential tool in tracking the history of photography, but one of countless means by which we see the medium continually pushed to (and beyond) its traditional limits. The art of the photobook in 2012 remained astonishingly vibrant, with new voices and visions brought to light by daring publishers and—even more encouragingly—by innumerable self-publishing ventures funded by the likes of Kickstarter and Emphas.is.
With peers and colleagues around the globe, we gladly lined up to discover new titles and new artists presented at events like the New York Art Book Fair, Offprint Paris and the International Photobook Festival, among countless other new fairs.
On LightBox we covered exciting projects across myriad genres, from the epic War/Photography catalog to more personalized, micro projects compiled by the Indie Photobook library. Here, in this gallery, we spotlight the best photobooks of the past year as chosen by photographers and photography experts from around the world … and, of course, by photo editors from TIME.
This year's offerings range from enormous, luxe tomes like Taschen's Her Majesty to smaller, more intimate works like J&L's BABE. Overall the selection confirms — in a heartening way, for all of us — that even as unwieldy maelstroms of information emerge from all of our digital devices, many of us still enjoy being transfixed, or transported, by an encounter with a singular vision. After all, the pleasure and quiet thrill that one gets sitting down with a good book — especially one that pushes the boundaries of the format — simply can't be reproduced in mere ones and zeroes. In that spirit of celebrating a still-vital art form, we humbly offer our take on the photobooks we loved most in 2012.


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Solo show by Behrang Samadzadegan
From the perspective of a third world artist, and a protégé of post-colonial era, I look at my time, history, and place as well as art. Art, in my belief, is not politics as it has no dominant role in relations of power. Furthermore, it cannot be considered as entertainment either, inasmuch as art in many modes keeps its' distance from tastes of the masses. Thus, it cannot be entertaining. From my point of view, art can observe what happens in the world and through the history and can raise questions, but cannot change anything. It can only tease the "systems and hierarchies", the ones which are ascendant in realms of art, history, society and power. In fact, I attempt to respond to the history, to the historical continuum of being subjected by systems. I try to reveal the unseen experience of the lived history, and expose the silent side of it. Nevertheless, I do not succeed! Since my work is incapable of representing anything. It is, indeed, trying to bring something to present that is here and is not. I disregard rules of the art scene and use any kinds of readymades. I change their essence and create my own interpretations.
My art is impotent! It cannot change anything, nor protect anyone. However, it may be able to hint at dark ditches between truth and reality. It may also be able to mess with the systems; from deterring systems of art scene to "meta-narratives" of power and history, which can be teased in ironic approaches, instead of being accepted incontrovertibly.
The result may seem ironical, but indeed it is nothing but a huge absurdity. In fact, if I would endeavor to represent one thing, that would be the "absence"; the historical schism in links between fact and truth.
Behrang Samadzadegan
نمایشگاه " بهرنگ صمدزادگان " با عنوان " هنر بی توانی " خرداد 1392 گالری آران http://www.artin360.com/Aaran.htm
Overview and HistoryTehran is the capital of Iran and the largest city in the Middle East, with a population of fifteen million people living under the peaks of the Alborz mountain range.Although archaeological evidence places human activity around Tehran back into the years 6000BC, the city was not mentioned in any writings until much later, in the thirteenth century. It's a relatively new city by Iranian standards.But Tehran was a well-known village in the ninth century. It grew rapidly when its neighboring city, Rhages, was destroyed by Mongolian raiders. Many people fled to Tehran.In the seventeenth century Tehran became home to the rulers of the Safavid Dynasty. This is the period when the wall around the city was first constructed. Tehran became the capital of Iran in 1795 and amazingly fast growth followed over the next two hundred years.The recent history of Tehran saw construction of apartment complexes and wide avenues in place of the old Persian gardens, to the detriment of the city's cultural history.The city at present is laid out in two general parts. Northern Tehran is more cosmopolitan and expensive, southern Tehran is cheaper and gets the name "downtown."Getting ThereMehrabad airport is the original one which is currently in the process of being replaced by Imam Khomeini International Airport. The new one is farther away from the city but it now receives all the international traffic, so allow an extra hour to get there or back.TransportationTehran driving can be a wild free-for-all like some South American cities, so get ready for shared taxis, confusing bus routes and a brand new shiny metro system to make it all better. To be fair, there is a great highway system here.The metro has four lines, tickets cost 2000IR, and they have segregated cars. The women-only carriages are the last two at the end, FYI.Taxis come in two flavors, shared and private. Private taxis are more expensive but easier to manage for the visiting traveler. Tehran has a mean rush hour starting at seven AM and lasting until 8PM in its evening version. Solution? Motorcycle taxis! They cut through the traffic and any spare nerves you might have left.People and CultureMore than sixty percent of Tehranis were born outside of the city, making it as ethnically and linguistically diverse as the country itself. Tehran is the most secular and liberal city in Iran and as such it attracts students from all over the country.Things to do, RecommendationsTake the metro to the Tehran Bazaar at the stop "Panzda Gordad". There you can find anything and everything -- shoes, clothes, food, gold, machines and more. Just for the sight of it alone you should take a trip there.If you like being outside, go to Darband and drink tea in a traditional setting. Tehranis love a good picnic and there are plenty of parks to enjoy. Try Mellat park on a friday (fridays are public holidays), or maybe Park Daneshjou, Saaii or Jamshidieh.Remember to go upstairs and have a look around, always always always! The Azadi Tower should fit the bill; it was constructed to commemorate the 2500th anniversary of the Persian Empire.Tehran is also full of museums such as:the Contemporary Art Museumthe Abghine Musuem (glass works)the 19th century Golestan Royal Palace museumthe museum of carpets (!!!)Reza Abbasi Museum of extraordinary miniaturesand most stunning of all,the Crown Jewels Museum which holds the largest pink diamond in the world and many other jaw-dropping jewels.Text by Steve Smith.


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Rosetta in critical Mars swingby
On 25 February, Rosetta will swing by Mars in the second of four critical gravity assists in its ten-year voyage to comet 67P Churyumov-Gerasimenko. The upcoming manoeuvre, with Rosetta skimming Mars at 250 kilometres, is a delicate operation and a key milestone, and mission controllers and flight dynamics specialists at ESA's Space Operations Centre are in intense preparations for the early-morning event. The spacecraft will also conduct observations of Mars, primarily to help calibrate the instruments but also to gather data, which will complement those gathered by ESA's Mars Express, in a 'mini' coordinated observation campaign.


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Volatility is just part of the investing game, according to an MFS Investing Sentiment Survey. The firm found 60% of young investors feel the "ups and downs" the market has experienced recently are normal, compared with 54% of all respondents.
Although it may be normal, young investors are still concerned. Thirty-seven percent said they'll "never feel comfortable investing in the stock market," compared with 25% of all investors.
"A majority of younger investors feel the volatility of the stock market is normal but more than one-third behave as if they are scared by it, keeping 33% of their assets in cash," William Finnegan, senior managing director of global retail marketing at MFS, said in a statement. "Advisors recognizing this contradiction between sentiment and behavior have a unique opportunity to help clients find an asset allocation they can be comfortable with—especially during volatile times—that keeps them on track toward their long-term goals."
The findings were released Wednesday from a study conducted in February among 974 adults with $100,000 or more in household investable assets and 621 licensed financial advisors (either FINRA or SEC) who have been licensed for at least three years with $500,000 or more in annual mutual fund sales. The first wave of findings, released in April, focused on clients' fears over inflation.
Finnegan added that advisors can keep their clients on track focusing on what keeps them up at night rather than discussing specific investments, "which we know many investors believe to be overly complex in the first place."
In fact, the survey found that investors are overwhelmed and intimidated by the complexity of investment products, as well as the sheer number of choices available to them. The initial results, released on May 7, show 40% of investors think investment products are too complex. More than one-third say they feel overwhelmed by the number of choices available.
That perplexity has led to a rise in the need for financial advice. One-quarter of investors said their need for professional advice has increased in the past 12 months. Thirty-six percent of investors say they're asking for more information from their advisor these days, and 81% say they expect their advisor to keep them up to date on new or innovative products.
"Investors have a ton of information at their fingertips, but that is not knowledge or perspective. That is most likely why the need for professional advice is on the rise," William Finnegan, senior managing director of global retail marketing for MFS, said in a statement. "They are stymied by complexity and want a financial advisor to provide insight into and knowledge from the information swirling around them." Young investors are especially in need of help. More than half of Gen Y investors said investment products are too complex, and 57% are likely to think the information they get online is just as good as what they would get from an advisor. Thirty-nine percent of Gen X investors said investment products are too difficult to understand, and 47% agreed with Gen Y that going to an advisor isn't necessarily better than going online for information.
Forty-five percent of Gen Y and Gen X investors say their need for advice has increased. Gen Y investors are asking for information more frequently than their Gen X counterparts; 63% said the amount of information they have asked for from their financial advisor has increased, compared with 44% of Gen X.
"Investors indicate a strong inclination to maintain at least some control over their financial picture, and we should encourage high levels of involvement," Finnegan said. "However, with that involvement comes exposure to complex ideas that financial advisors are better positioned to address. Investors are acknowledging the need for more professional investment advice to both validate their thinking and to answer their complicated questions."