text:
1: I don't know if the lib work with ATmega324 and I don't know Arduinos with that processor. The typical processor is ATmega328.
2: Have you use level-shifters or does your Arduino run with 3.3V only? If the Arduino is 5V you need level-shifters or you could broke your SD card. The simplest way to build a level-shifter is using two resistors for every of the four input pins at the SD card. A description can be found in file SimpleSDAudio.h.
3: You have to power the SD card as well - connect GND to pin 3 and 6 of SD-card and connect pin 4 to the 3.3V output of the Arduino.
4: If there is no sound try the example BareMinimumWithDebug first and look at the output from the serial port. This can give you an indication if your wiring is still wrong or if there is something wrong with the filesystem on card or the file. You can post this output here in the forum to get more help.
My board has a 5V and 3.3 V.I directly connected the MOSI, MISO, and SCK of the SD card to the MOSI, MISO, and SCK of my arduino.I also directly connected the VCC pin of my SD card to the 3.3V of the arduino.After connecting everything, I checked the voltage at the 3.3V pin of my arduino.I used a fluke to measure the voltage. I got a reading of 4.3 volts.I'll try the 100uF. It might work.Also, I'll try connecting the audio out to pin 9.


text:
Immersive learning with VR experiences [NEW]
Battle shrinking attention spans with immersive learning scenarios that your learners can experience in Virtual Reality using VR headsets. Now Adobe Captivate makes it possible for you to import 360° media assets and add hotspots, quizzes and other interactive elements to engage your learners with near real-life scenarios. Achieve learning use cases such as – "be in the shoes of", "virtual tours", "crises management", "safety drills" and more.
Fluid boxes 2.0 [ENHANCED]
Objects placed in Fluid Boxes get aligned automatically so that learners always get a fully responsive experience regardless of their device or browser. Use the pre-defined boxes in a responsive theme or draw your own. In the 2019 release of Adobe Captivate, Fluid Boxes get a productivity makeover - use the intuitive UI to control and customize your Fluid Boxes, view parent-child relations, distribute objects equally in a single click, define alignment properties in Static Fluid Boxes and more.
Interactive videos [NEW]
Liven up demos and training videos by making them interactive with the new Adobe Captivate. Create your own or bring in existing YouTube videos, add questions at specific points and conduct knowledge checks. Add bookmarks in the timeline to aid learner remediation. Customize feedback options for answers and interactions.
Live device preview [NEW]
See exactly how your eLearning content will play out on your learners' VR devices. Use the live preview feature in Adobe Captivate to generate a QR code that you can scan using a mobile device and mirror the project real-time on your device browser. Once the initial connection is done, you can keep previewing all your work across projects as long as the Adobe Captivate session is active.
360⁰ learning experiences [NEW]
Augment the learning landscape with 360° images and videos and convert them into interactive eLearning material with customizable overlay items such as information blurbs, audio content & quizzes. Make learners explore their surroundings and actively engage with the environment to enhance retention. Achieve complex learning use cases such as compliance protocols in action, virtual walkthroughs, realistic product demos and more.
Automatic chroma key effects [New]
Transform your videos by making their backgrounds transparent and replace them in just a few clicks without the need for any green-screen technology. Personalize your video background by adding images or videos of places, scenarios or on-slide content. Get your project on the road with free media assets shipped with Adobe Captivate or choose your own.
Smart video recording – webcam + screen [NEW]
Create studio-quality HD videos as you simultaneously record your webcam and on-screen content with just a few clicks. Adjust the talking-head video position and add persona to your training content. Easily edit the videos in Adobe Captivate and add interactivity to multi-screen video-based learning.
CSV question import template [NEW]
Reduce authoring time and effort with the .csv Question Import template in Adobe Captivate, which helps you automatically create question slides in your Adobe Captivate Project. Include all question slide logic in the same .csv file such as marks, correct answers and feedback. You can also import format-compatible question banks from other authoring tools with just a few clicks.
PowerPoint to mobile learning [NEW]
Fast-forward to smart eLearning authoring by importing PowerPoint presentations to Adobe Captivate with just a few clicks*. Transform static PowerPoint slides into eLearning content that works seamlessly across all devices. Enhance the learning experience by adding interactive elements, assets and quizzes.
*Works only on Windows.
Automatic device preview [NEW]
Hit the play button to see your content automatically change shape and form factor across the full spectrum of device sizes. Get a holistic view of how responsive your content is on every screen size.
Overlay slides [NEW]
Add a new dimension of interactivity to recorded or streaming videos with overlay slides in Adobe Captivate. Mark any slide as an overlay slide and insert it anywhere on your video timeline allowing you to add additional interactive layers for improved learner engagement.
Multiscreen responsive eLearning authoring [EXISTING]
Author as you always have—content automatically rearranges for the learner's device. Use the in-product, device-specific preview to see how your project will appear. Publish as a single project and deliver a fully responsive experience to your learners.
Auto-migrate from non-mobile to mobile [EXISTING]
Join the mobile age. Transform* legacy Adobe Captivate desktop-only courses into fully responsive modules using patent-pending technology from Adobe. Bring in existing Adobe Captivate projects and save them as responsive projects. When you relaunch them, logical object groupings are placed in Fluid Boxes, which you can accept or customize.
Adobe Typekit integration [EXISTING]
Good typography makes for a great viewing experience only when it's consistent across devices and delivering that just got a lot easier. Choose the fonts you love from the Typekit library and use them across your courses to make a polished, easy-to-follow experience for learners.
Best-in-class screen capture [EXISTING]
Generate robust software simulations with multiple learning modes in a single recording session by capturing all on-screen actions, including mouse movements, system audio, and keyboard activity. Create a single, responsive screen capture project that plays seamlessly across devices. Adobe Captivate detects screen activity in the recording window and pans to those areas to create screen
capture output for tablet and mobile views.
capture output for tablet and mobile views.
Adobe Captivate Draft [EXISTING]
Kick-start authoring the smart way with this free storyboarding app**. Convert your ideas into interactive storyboards complete with eLearning elements such as content and question slides, branching logic, and more. Share storyboards for real-time, collaborative reviewing on the cloud; reviewers do not need to have either the app or Adobe Captivate. Simply import your storyboards into Adobe Captivate and publish them, to seamlessly generate responsive projects.
**Available only for iPad iOS from the App Store
Roundtripping with Microsoft PowerPoint [EXISTING]
Make a smart move and go beyond static slides to interactive eLearning. Import your PowerPoint slides into Adobe Captivate, bring in objects, animations, and multimedia, easily update the content, and keep your PowerPoint and Adobe Captivate projects in sync.
Asset store [EXISTING]
Work smarter—unlock value with in-product access to Adobe Stock and our library of 75,000+ free eLearning assets. Choose from a universe of royalty-free images, people cutouts, interactions, themes, games, scenarios, and much more. Find the perfect asset for your eLearning projects, and delight your learners with content that dazzles.
Responsive text support [EXISTING]
Provide a superior experience to learners, even for text-heavy courses delivered on small screens. Long paragraphs are collapsed to just a few lines, and learners can click to view more.
Responsive themes [EXISTING]
Choose from various themes that attractively blend backgrounds, styles, fonts, and layouts and incorporate Fluid Boxes. Fluid Boxes make it easy to render fully responsive content for multiple devices. Customize themes to meet your requirements, or create your own. Save themes for reuse across projects.
Responsive motion effects without programming [EXISTING]
Create fluid object transitions that include motion paths and rotations, even in responsive projects. Now add effects to individual objects and groups of objects. Define linear, custom, and scribble motion paths to control the way objects move. Preview animations on hover, and see how effects play out on the integrated Effects and Project timeline. Deliver a superior responsive learning experience by designing different effects for different devices.
Customizable closed captions [EXISTING]
Create courses that meet accessibility standards with closed captions generated from slide notes and for slide videos. These can be enhanced by controlling the way they look and where they appear.
Device-specific previews [EXISTING]
Eliminate the guesswork. Preview exactly how your content will look on specific devices by selecting from a preset device menu. Add new devices to the menu, as needed.
Shared advanced actions [EXISTING]
Enable conditional or multiple actions in an interaction or across projects, and create shared action templates to use with other modules and projects. Enhance shared actions with variable parameterization, and create a looping algorithm from within an advanced action. And now you can have one or more decision or conditional tables.
Publish to Adobe Captivate Prime and other LMSs [EXISTING]
Set up a smart learning ecosystem and deliver a superior experience to your learners thanks to tight integration between Adobe Captivate and Adobe Captivate Prime LMS. Publish your courses with a single click to Adobe Captivate Prime or to other leading LMSs.
Multistate objects [EXISTING]
Power up your eLearning with less elbow grease using object states on steroids. Improve retention by enabling learners to interact with objects in ways never seen before. Make complex workflows achievable with just a few clicks by triggering an unlimited number of custom or in-built states for each object, including smart shapes, images, text, buttons, and more. Easily edit states using the States timeline.
Roundtripping with Adobe CC [EXISTING]
Work with the world's best creative apps and roundtrip seamlessly with Adobe Photoshop, Adobe Illustrator, Adobe Audition and more in Adobe Creative Cloud. Preserve layers in imported Photoshop files, and edit or animate individual layers in Adobe Captivate for just the right effect. Edit and enhance audio files in Adobe Audition and then bring them back into Adobe Captivate.
Intuitive user interface [EXISTING]
Call on the power-packed functionalities of Adobe Captivate from an intuitive UI that makes authoring easy and efficient. Enjoy authoring with an interface that is simple enough for subject matter experts and powerful enough for experienced users.
Comprehensive quizzing [EXISTING]
Take the smart route to create attractive quizzes by customizing out-of-the-box quiz templates. Include question types like matching, short answer, and fill-in-the-blanks. Keep learners on track with knowledge check questions embedded in your course. Improve the percentage of successful outcomes using the remediation workflow—when answering a quiz question incorrectly, let learners revisit the relevant section, understand the concept correctly, and retry the question.
Accessibility support [EXISTING]
Expand your outreach to defense, government, and educational organizations. Easily create simulations and demonstrations that address accessibility standards, such as Section 508 and Web Content Accessibility Guidelines 2.0 (WCAG 2.0). To help ensure that everyone can access your content, define text equivalents, insert clickable areas that allow keyboard access, and more.
Text to speech [EXISTING]
Keep learners tuned in to your content thanks to automatic voiceover functionality that turns text into high-quality speech in a few clicks. Need to change the text? Just click once to update the audio.
Best-in-class HTML5 publishing [EXISTING]
Import your PowerPoint project into Adobe Captivate and retain text, shapes, audio, and animations when you publish them directly to HTML5. Make your eLearning content more mobile with full support for scalable HTML5, mobile themes, play bar, and the ability to pause and resume anywhere, anytime, and on virtually any device. Also publish HTML5 courses directly to Adobe Captivate Prime LMS or Adobe Connect.
SVG support [EXISTING]
Create high-quality projects with vector images that scale across devices and sizes with no loss of quality. Define complex shapes and bring them into Adobe Captivate as SVG graphics. Convert images to auto shapes and use them as buttons or feedback captions. Roundtrip with Adobe Illustrator to edit the images. Images are automatically added to the library for reuse across projects.
iOS device capture [EXISTING]
Record your device screen as a full resolution HD video. Make your video richer by adding mobile-specific gestures, such as swipe, tap, and pinch to zoom. Select from a range of audio sources, such as system audio, device audio, and microphone input, to customize your video demo.
Geo-location support [EXISTING]
Utilize the GPS capabilities of mobile devices to deliver timely, location-aware content to learners. Create assessments that require learners to be at a particular geo-location. Set location parameters easily using the integration of Google Maps with Adobe Captivate.
Native app publisher [EXISTING]
Simultaneously publish your course as an app to multiple mobile platforms, such as iOS, Android, and Windows RT (Metro apps), with a single click right from within Adobe Captivate using the Adobe PhoneGap~ service.
~Requires separate purchase of PhoneGap.
Audio-video support and synchronization [EXISTING]
Record system audio along with narration or import video in a wide variety of formats (AVI, MOV, FLV, MPEG). Synchronize audio or video with slides and timed objects. Edit audio to correct mistakes, add an external track, or attach sound effects to individual objects. Make your eLearning more personal by providing audio responses to interactions and enabling in-course YouTube video streaming.
Responsive drag-and-drop interactions [EXISTING]
Make eLearning fun with drag-and-drop games, quizzes, and learning modules that can run on any device. Choose from a variety of relationships between the drag item and drop target to implement learning outcomes more visually. Provide customizable audio feedback to every drag-and-drop attempt.
In-product LMS preview [EXISTING]
Eliminate the guesswork from content-LMS integration, get fine-grained control over all aspects of your course, and reduce dependency on your LMS administrator. Preview courses in Scorm.com to gauge LMS compatibility, and get error logs to identify those portions of the course that need attention.
Master slides [EXISTING]
Use master slides to easily create and maintain well-formatted and consistent-looking content that meets your corporate guidelines. Define styles and apply them to selected objects for quick and consistent formatting across a project.
Adobe eLearning Resources
General terms and conditions:
Internet connection is required to download this software. Mobile and tablet applications and syncing functionality require a separate download and agreement to additional terms.
Adobe online services, including the Adobe Creative Cloud™ service, are available only to users 13 and older and require agreement to additional terms and Adobe's online privacy policy.
The applications and online services are not available in all countries or languages, may require user registration and may be subject to change or discontinuation without notice. Additional fees or subscription charges may apply.

subset: commoncrawl


text:
Fayette Local Schools Board of Education president Paula Schaffner will hand out diplomas to 28 seniors Sunday afternoon during commencement exercises in the school gymnasium.
Speeches will be given by co-valedictorians Hannah Schrock and Brittany Seiler, and performances will be given by the high school band and choir.
Board of education member Deb Leininger will address the seniors as the guest speaker. She formerly served as the school's athletic director and is known as a strong supporter of the school district and the community.
Teachers and parents will be introduced before superintendent of schools Russell Griggs introduces the seniors as graduates.


text:
I have doubt regarding waitforsingleobject or alternate function to use in the following scenario.
I am entering Username and password and clicking on OK.The next window may appear in 1 second, 10 second or 120 second.I want to write a program like this.I should give wait time.Condition is this if the next window appears in 1 second the consecutive actions should go on else it should wait till the next window. How to do this. kindly help me.


text:
Your version of Microsoft Internet Explorer is not supported for secure online transactions. Would you like to update your IE browser?
Omni Hotels & Resorts offers guests online check-in. Save time at the front desk and check-in online 48 hours prior to arrival and we will have your room ready when you arrive. Simply pull up your reservation online up to 6 p.m. hotel time and confirm your billing details and you will be set.
You can retrieve your Omni Hotels & Resorts reservation information by entering the last name on the reservation and your confirmation number.
Where are you going?
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Select Guest庐 member? Use free nights Redeem your Select Guest free nights! If available, multiple free night certificates may be used for a single stay, however each certificate must be booked separately. Once your first reservation is confirmed you will be prompted to reserve additional nights on a separate reservation.
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Swing like a champion at our luxurious golf resorts.
Book direct and receive our Best Rate Guarantee and complimentary perks, plus earn free nights and tier status on qualified stays.


text:
Metal Mark of SkullsNBones.com conducted an interview with guitarist/vocalist Adam "Nergal" Darski of Polish extreme metallers BEHEMOTH aboard Barge To Hell — the world's most extreme metal cruise — which sailed Monday, December 3, 2012 from Miami, Florida to Nassau, Bahamas and returned to the real world on Friday, December 7. Check out the chat below.
Asked about the progress of the songwriting sessions for BEHEMOTH's next album, Nergal said: "We're in writing mode, and we're doing this [cruise] more or less as a vacation, just to get us out of the writing [environment]. But even yesterday, before the show, I was fucking around with my guitar and jamming out and shit. I came up with… I really think this riff is gonna end up on the record; it's gonna make its way to the record. So I'm really thinking about my record. I'm dreaming my record, I'm eating my record, I'm shitting my record… I mean, everything just comes to the same thing: this artistic release that's gonna take place in the fall next year. That's the plan. We already made a rough plan. We should be entering the studio in late February. We're demoing stuff now. It's actually a rehearsal studio. So this is a thing we've never done before: we get into the studio, we set up the equipment, and we just play. And we record stuff. So it's very creative. It's new and it's different energy, too. I mean, we still use our rehearsal room, but it's good to change the environment. And then in January and February, we decided to move to Warsaw to work on the record. It should be very stimulating; this change of rooms and change of cities, it can be very stimulating. But we've got plenty of stuff written already; I'm guessing 30 or 40 minutes of music is done. But I keep on writing. I'm so hyped and I'm so into delivering new stuff. I have this thought: every time I come up with a new theme or a new song idea, I think it's actually better than the one before. So I hope that this process stops at a certain point and I'm, like, 'OK, over. This is it. We're working on this bunch of songs and that's it.' Because this way I can go on forever."
In an April 2012 interview with Metal Blast, Nergal offered more information about BEHEMOTH's mindset going into the next album. "We want to take our time and not rush ourselves in any way," he said. "It looks like it might be the most important album in our career. I want to make the most honest record and I won't be bending to anyone's rules or expectations, including [BEHEMOTH's record labels] Metal Blade or Nuclear Blast. Every next BEHEMOTH album is a surprise and is never the same. . . We don't want to stress ourselves because the music business and the direction it takes is not as I would like it to be. That means we will be going against the current again and just do as we will and please. Whatever we do is going to be BEHEMOTH, 100%. It is the state of our will and nobody can deny it. I can tell you that we aren't going to come out with a reggae or country album; it's going to be BEHEMOTH, it's going to be extreme. But don't be surprised if people listened to it and said, 'Fuck, they did it. It's so amazing.' [laughs] That's what I like to say when I listen to my own music. I love to surprise myself. I hate things that are predictable. I want to surprise myself and surprise other people, as well. . . Don't get me wrong, I am a huge AC/DC fan and I expect AC/DC to be AC/DC, but don't expect BEHEMOTH to put out another 'The Apostasy', 'Demigod' or 'Evangelion' album, because that will not happen."
BEHEMOTH's ninth full-length studio album, "Evangelion", sold 8,500 copies in the United States in its first week of release to debut at position No. 56 on The Billboard 200 chart. Released in the U.S. in August 2009 through Metal Blade, the CD was mixed at Miloco Studios in London, England by Colin Richardson, who has previously worked with MACHINE HEAD, SLIPKNOT, NAPALM DEATH and BULLET FOR MY VALENTINE, among many others.


text:
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text:
- News
- First Ave rolls out new merch: Book Box, smoking paraphernalia October 23 by Keith Harris
- Sound Unseen announces lineup for its first-ever virtual festival October 22 by Keith Harris
- The week in live and local music: Oct. 22-28 October 22 by CP Staff
Food & Drink
Arts & Leisure
- First Ave rolls out new merch: Book Box, smoking paraphernalia October 23 by Keith Harris
- Online stargazing, rallies for justice, Polyjuice Potion on tap: 35 great things to do this weekend October 23 by CP Staff
- Oh dang! Saint Paul Winter Carnival is (mostly) NOT going virtual in 2021 October 22 by Jessica Armbruster
- Calendar
- In 'The Ringmaster,' highly imperfect people chase Minnesota's best onion rings October 6 by Sarah Brumble
- What's it like watching Bergman's 'The Seventh Seal' during an actual plague? September 11 by Keith Harris
- Celebs come together to get MN actor James Hong a Walk of Fame star August 11 by Jessica Armbruster
- Best Of
- Promotions
Germanic-American Institute


text:
I'll start with the second post:
September 7, 2004
In response to the question on the feistfans-l
I was wondering whether there are any plans to release the Legends of the Riftwar series in the US?
Ray posted the following
Yes there are plans. I can't give full details yet, but there will be US editions of those three titles in the not-too-distant future.
Best, R.E.F.
This is fantastic news. I've had his Legends of the Riftwar trilogy on my list for a couple of years now, but these books have only had foreign releases. It is set earlier in the Riftwar and doesn't really advance the overall storyline, but it kills me that there are books of his that we're not getting. His Krondor series wasn't that good but he's hit a gold mine again with The Conclave of Shadows.
The second quote i have has to do with the future of the series and what will be coming after Conclave is finished. This is exciting news for the series since A Darkness at Sethanon is my favorite of the bunch (well, that and Magician
August 1, 2004
Ray posted the following to the feistfans-l
Currently I'm working on Agent of Madness (working title, almost certain to change), book one in the Darkwar Saga. To be followed by Into A Dark Realm, and Wrath of a Mad God.
These are going to be larger, more sprawling books, akin to Sethanon and Rage, as opposed to the more recent, more personal stories.
For a longtime fan of Raymond Feist and his Riftwar series, this is great news!


text:
United States foreign policy is on the cusp of a new era — maybe. It all hinges on whether the American people and the new Iranian leader, Hassan Rouhani, can understand each other. But if Presidents Obama and Rouhani can't even shake hands, there may be no hope for the rest of us.
Plus, the U.S. is struggling with its finances — and not even the postal service can keep up. But what else is new?
And if you're still confused about the Affordable Care Act, don't worry. The latest issue of Cosmopolitan has an excellent explainer for you.
Read more from National Journal.
We want to hear what you think about this article. Submit a letter to the editor or write to firstname.lastname@example.com.


text:
As you all know, TMC's intention is to be the European coffee resource.
To that end, Neku has suggested that it would be a good idea for us to translate our content additionally into European languages other than English, where-ever possible.
We've taken the first step and put K's article about pods up on the site in its original Dutch (our version of the article was translated *to* English by Neku).
We would be eternally grateful if TMC members whose native language is not English volunteered to translate some of our more significant content into, say, German, French, Dutch, Swedish and or Norwegian, etc. Maybe even Italian? Spanish?
Any takers please?
Lest there be any confusion though, I should say that the primary language of TMC will always remain as English, which is probably the most widely-spoken second language for people in Europe anyway - and anyway a number of TMC's members are anglophones (including the site administrator )


text:
Before zee Germans at Audi got their hands on the raging bull, and before Chrysler was bought by everyone and their brother: Chrysler actually bought Lamborghini in 1987. To show where they would be taking the company, and what benifits would come from their new alliance, they (Chrysler) created the Portofino for Lamborghini to debut at the Frankfurt Auto Show the same year that they purchased the company. Chrysler called it the "ultimate mid-engined touring sedan".
The concept car was built by Coggiola on a Jalpa chassis, which had to be lengthened by 66 cm to allow the space for four seats. It used a 250bhp Lamborghini V8 from the Jalpa which was transversely mounted and placed mid-ship, with the 4 twin-throat Weber 40 DCNF carburetors. The chassis was steel unibody and Girling ventilated disc brakes were placed on all four corners. The 5 speed transmission also came from the Jalpa.
The interior is composed of three shades of textured blue leather with yellow piping and accents on the steering wheel and shift knob. A central console divided the passenger compartment which added stiffness to the structure and providing a comfortable wrap-around feeling in the rear seats. Note the lack of B-pillars. It seats four, and has four doors, all of which rise vertically. Both the hood and the trunk are clamshells - if you care about that sort of thing.
FUN FACT: The badge on the hood was the bull inside the Chrysler pentastar.
The discerning Jalop will notice that the rear wing was later used on the Stealth.
Only one was ever produced and was involved in a crash while it was being transported. It was restored for $300,000 (according to Wikipedia) and is now on display at the manufacturers museum.
- V8 Solid valve lifters
- Displacement 3485.00 cc | 212.7 cu in. | 3.5 L.
- Valves 16 valves; 2 valves per cylinder.
- Valvetrain SOHC
- Horsepower 255.00 HP (187.7 KW) @ 7000.00 RPM
- Torque 229.00 Ft-Lbs (310.5 NM) @ 3500.00 RPM
- HP to Weight Ratio 11.2 LB / HP (Vehicles with similar ratio)
- HP / Liter 72.9 BHP / Liter
- Bore 3.39 in | 86.1 mm.
- Stroke 2.95 in | 74.9 mm.
- Compression Ratio 9.2:1
- Main Bearings 5
- Fuel Feed Carburetor, 4 Weber 2-barrel downdraft carburetors
- Block Light Alloy
- Head Light Alloy
- Top Speed 240 km/h | 149.2 mph (Confirmed)


text: Kelompok 5_Siklus Pembelian Kredit by Wolfgang Moench May 21, 2018, 2:34 pm See more Previous article … Next article Kelompok 3_Siklus penjualan kredit Leave a Reply Cancel reply Your email address will not be published. Required fields are marked *Comment Name * Email * Website Current ye@r * Leave this field empty Notify me of follow-up comments by email. Notify me of new posts by email.


text:
Photo Booths in Manorville -
Wedding and Event Photo Booth Services in Manorville NY
Our professional photo booth is top of the line in every way. Our booth incorporates a DSLR Camera and dye sublimation printer no webcams and ink jets here! Photos print in approximately 11 second... more photo booth info
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Our Portable new digital era Photo Booth has the latest technology which makes it ideal for any special event. Beautiful sleek design has (4) four HD .......more photo booth info


text:
Looking for reliable health information in the New York/New Jersey (NY/NJ) area? Our extensive libraries have what you need!
Our libraries are now organized in 4 sections:
Acute Care Advisor
Covering conditions and treatments that involve hospitalization.
Adult Health Advisor
Covering health and wellness for people over the age of 21.
Medications Advisor
Covering prescriptions and interactions.
Pediatric Health Advisor
Covering health and wellness for people under the age of 21.


text:
Michael Lohan Makes Move for Conservatorship
Michael Lohan will ask a judge to establish a conservatorship for Lindsay Lohan ... TMZ has learned.
Michael met with attorney David Chon (left) today and will hire him to file conservatorship papers ... Chon specializes in trusts and estates.
We're told Michael has enough sense to know the judge isn't going to make him the conservator, so he has two other people in mind ... though he's not saying who.
Michael is saying, he doesn't want Dina Lohan or Lindsay's business manager, Lou Taylor, to handle Lindsay's affairs because "they're in it for themselves."
Our sources say Michael plans on filing a petition for conservatorship "within days."
Waiting for your permission to load the comments.


text:
I write my first draft of a novel in longhand. I have found the perfect pen that goes by the bizarre name of a Rotring Tikky Graphic with a 0.2mm nib. It suits my tiny, near-illegible handwriting and I always write in spiral-backed marginless A4 notebooks – I try to keep my fetishes to a minimum.
One great advantage of a longhand draft is that, in transferring it to the computer, every single word is written at least twice. Then the computer draft can be endlessly revised. Writing in longhand is important, I think – and not just because I'm a pre-computer novelist (I bought myself my first typewriter, an Olivetti, for my 21st birthday). In handwriting there is a vital head-hand-page connection that a keyboard and computer removes. When you write in longhand you're unconsciously aware of aspects of your prose – such as sentence length, cadence, rhythm, repetition, prolixity – that I find keyboard writing doesn't alert you to in the same way. Also you can see all the litter of the progress you've made that day – the scorings-out; the arrows; the insertions; the bubbles; the second, third, fourth choices. The page reflects the mental effort that the screen doesn't. It's a toiling, messy business writing a novel. I go to bed knackered and sleep well.All this sounds very sensible to me! You need more than one draft for any kind of writing--or so it seems to me. And how you write your drafts seems highly subjective.


text:
Carey Mulligan bagged a role in Baz Luhrmann's "The Great Gatsby" by giving Leonardo DiCaprio a surprise kiss during her audition.
The Australian filmmaker recruited leading man DiCaprio to help pick an actress to play Jay Gatsby's love interest Daisy Buchanan in the upcoming big-screen adaptation of the classic novel, and it was Mulligan's brave smooch that really impressed DiCaprio.
Luhrmann tells The Hollywood Reporter, "Leonardo was at every audition. He worked with me – it was work. He is not an acting snob but I guess if he was a chef, he can really tell what is fine cuisine. So Carey came in. I'd swapped scenes (to read during the audition) and forgot and (the script said) she kisses him. (Mulligan) grabbed me… and she said, 'Should I? Should I kiss him?' I went, 'Yeah, but don't tell him!'
"So she does the scene, absolutely fantastic, and grabs him and kisses him. She went out the door and I was just thinking, 'My God, that is Daisy Buchanan.'
"I thought, 'I wonder what Di (DiCaprio) thinks'. He said, 'The way Carey manifests Daisy is like something Gatsby would never have met in his life, something so delicate that he would want to protect to her to an obsessive and almost impossible level.' And then it was done. It was done."


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- Don't be modest when describing your accomplishments. Use specific numbers and time stamps to show ways you've added value to a company in the past.
- Scan the job description and other similar job descriptions for keywords and industry jargon to include on your resume.
- Consult past performance reviews for specific ways your previous boss and coworkers have praised your work.
Related How-Tos
Review a performance checklist by asking yourself the following questions about each of your previous jobs: What was your impact on your division, company and group? What would not have happened if you hadn't been there? What are you proudest of during your time with the company?
One good source can be a spouse or close friend. Ask him or her what work accomplishments you bragged about or expressed pride in the most. You can also ask colleagues, business associates and vendors for their input.
Use job evaluations for great résumé content. Dig through your old annual reviews and take note of what your supervisors praised you for. Reading some of the strengths they identified may help you think about how you used these to meet goals. Letters of recommendation and company newsletters in which you were recognized by management may serve the same purpose.
Measure your results with specifics. Think about your performance history, and apply numbers where possible, using percentages, dollar signs and time quantifiers. If you have increased profitability or decreased costs, list these accomplishments. If you exceeded a goal, note the original objective. If you didn't hit your target, don't mention it, but use the number you did attain. After all, saving a company $100 million, for example, is still a noteworthy feat, even if the goal was $200 million.
If your employer has recognized you with an award, cite it on your résumé, as well. Give an indication of the its criteria so recruiters can see why you were selected. If you were chosen to receive additional training or head special projects, these can also be considered achievements, but make sure any award you cite is based on merit.
Insert keywords for your niche. Each industry and career field has its own jargon, and you'll likely see these terms – or "keywords" – show up in job ads over and over again. Be sure to include them exactly as they're written in your résumé. If they're abbreviated, do the same, and if they're written out in full, do so as well. Likewise, if a job says candidates must have a bachelor's degree, be sure to include the words "bachelor's degree" in your résumé.
Also, while many keywords are industry specific, certain phrases are important to almost all companies. For example, these include problem-solving, teamwork, leadership, business development.
Job seekers should prominently list computer skills on their résumés if they have these, because some employers may make an assumption that older applicants are not as tech savvy as their younger counterparts. Using phrases like "led a team" or "built a team" instead of "worked with a team" can make a subtle but important distinction to a recruiter as well.
Still, don't go overboard. As important as keywords are for getting noticed, littering your résumé with buzzwords that don't accurately reflect your career experience may work against you. Cluttering up a résumé with keywords, whether you have the skill sets or not, also can backfire. This trick might get you noticed initially by a computer scanning a résumé database, but an experienced recruiter will see through it.
And the keywords you use in your résumé won't help if it can't be read by scanning software. Short of submitting a hardcopy résumé on an unusual color of paper, there's not much a job hunter can do to foil a résumé scanner. However, when job hunters are asked to submit a résumé electronically, they often can choose between uploading a text or HTML file. While the latter can be formatted to look more aesthetically pleasing, most recruiters recommend going with a text file.


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Can you say "methylchloroisothiazolinone?" Neither can I. But it's one of the ingredients in a pet stain- and odor-remover product that, while probably very effective, may irritate eyes and skin. That's why the label also says "keep out of reach of children." For spring cleaning this year, many of us who live with dogs are looking for more earthfriendly, naturally derived products. Here are some tips and concoctions that will help reduce the chemicals in your home and keep it safer for your floor-sleeping pups.
• You can make basic, inexpensive solutions for treating carpet stains and odors with common household products like a water/ white vinegar mix (2/3 cup water to 1/3 cup vinegar), escalated if necessary to a water/mild detergent solution (1 cup water to 1/4 teaspoon of a clear dishwashing detergent like Seventh Generation Natural Dish Liquid). Apply carefully to avoid soaking the carpet, and use clean white rags or white paper towels to blot.
• You'll also find a multitude of commercial products to remove pet stains and odors from carpets and hard surfaces. To make sure you're getting natural, chemical-free solutions, look for those made from plant-based solvents such as soy, orange, cinnamon and lemon grass oil, grapefruit peel extract, and other biodegradable ingredients. Enzymes are also natural, and great for protein-based stains and odors. Other products in this eco-friendly category include Halo HolistiClean Super Stain and Odor Remover Dog Formula, Restore Enz-Away Spot Remover, Simple Solution PawSafe Household Cleaners and brands like Clean & Green, Nature's Miracle, Crypton, PetZyme, Oxy Solution and Clorox Green Works.
• If you're considering a product that's not strictly natural, check label precautions carefully. Warnings and long, unpronounceable words are red flags, and good reasons to be particularly careful when using (and storing) them.
Bottom line: read those labels —even on products that call themselves "natural." Look for plant-based biodegradable ingredients that are safe for people and pets. You want it all, and with a little diligence, you can have it —at least on the cleaning front.


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|Date Added: May 17, 2009
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Description: King of the Hill is an animated comedy series that I have been watching on and off for a few years now. Because I like the show so much I did some tutorials on the main characters that are always standing on the sidewalk in front of the fence. These people are Hank, Boomhauer, Bill, and Dale. A few days ago someone asked me to do a lesson on the rest of the Hill family and because I always fill request, I am submitting this next lesson on "how to draw Bobby Hill from King of the Hill step by step". Bobby is a thirteen year old boy that is always trying to do the right thing. He loves and looks up to his father Hank and he even at times used to look up to his newly deceased grandfather Cotton Hill. Bobby often hangs with Joseph Gribble who is John Redcorn's biological son and Connie Souphanousinphone the Asian girl next door. I like Bobby because his personality is always changing and he even sometimes tries to be a rebel. If you are one of those people that likes to watch "King of the Hill", then you will appreciate this tutorial on "how to draw Bobby Hill from King of the Hill step by step". I actually have to go and write out five more lessons that I am submitting today. I can tell you that my friend "Hydrophoenix" is going to like one of them for sure. Okay see ya for now, Dragon_Queen signing out!


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Bull Terrier Shirt! Do you love Bull Terrier Dogs? Maybe you're a home brewer or a craft beer connoisseur. Either way this is the perfect shirt for you.
Our fabric blends are the perfect mix. Read our reviews. Customers describe them as "extremely comfortable" "Super Soft" "Top Quality" and often say "This is my new favorite shirt." Our designs are screen printed on top quality apparel.
All our designs are screen printed using high mess screens. The inks are soft and light weight. These are real screen printed shirts. Not iron on or heat transfers. We print our shirts in our shop located in Lake Worth Florida. A portion of our online sales go to our local no kill animal shelter along with various donations and support for other 501(c)(3) non-profit animal charity organizations.
Our shirts usually ship same day or within 1-2 days of payment, and we offer
If you read our reviews you'll see customers often complement us on our fast shipping.
For sizing information please see our size chart image. We suggest going a size larger if you would like a loose draped fit like the model example in the product picture gallery.
This product hasn't received any reviews yet. Be the first to review this product!


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Honorable Mention?
You really ought to be wondering how a reporter from one of the local TV stations got into the 003 District station and made it as far as the Watch Commander's office with a hidden camera last night unchallenged. Especially after all the security fixes put into place. That ought to be a bigger priority than a BS Honorable Mention.
Labels: rumors, silly people


text: Memory is one of the biggest considerations when buying any electronic device. However, you can always purchase a range of high quality 16GB generic memory devices to upgrade your storage. Developed by industry experts including Kingston and Crucial, you'll find a range of 16GB and 32GB generic memory products at BT Shop. We've got everything you need to upgrade the storage on your laptop or desktop computer, giving you extra space to keep all of your documents, videos and photos. Browse the full range of generic memory items today.


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Army National Guard Pvt. Abby K. Taylor recently graduated from basic combat training at Fort Jackson, Columbia, S.C.
During the nine weeks of training, Taylor studied the Army mission, history, tradition and core values and physical fitness, and received instruction and practice in basic combat skills, military weapons, chemical warfare and bayonet training, drill and ceremony, marching, rifle marksmanship, armed and unarmed combat, map reading, field tactics, military courtesy, military justice system, basic first aid, foot marches, and field training exercises.
Taylor is a 2007 Evergreen High School graduate and is the daughter of Tom and Marlene Taylor of Lyons, Ohio.


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Psst! The Secret's Out
This story appears in the November 1997 issue of Entrepreneur. Subscribe »
Nudging itself onto the list of advertising's most magnetic words is an irresistible bonbon that few of us can pass over. That word is "secret." Others in the top five, in no particular order, are: "free," "new," "you," and "sale," with "sex" a steamy sixth.
I feel safe in saying that if you use the word "secret" in the headline or title of your ad or promotion, your ad is almost guaranteed to get noticed, which is half the battle.
Of course, you need to eventually reveal the secret, and it has to be a satisfying payoff. But that shouldn't be difficult. Any useful information that is not widely known to the general public could arguably be designated a secret. And the titillation created by promising to divulge such valuable yet little-known data is simply too enticing to pass up.
Who can resist sneaking a peek into a supermarket tabloid with the headline "The Secret Life of (fill in the blank)"? Who can deny having felt compelled, some time in the last year, to peek into a book, magazine article or ad that purported to offer the secret to larger, smaller, better or healthier versions of something we felt we were lacking or had too much of. Secret is surely the word of the decade for publishers in the natural health/alternative healing field, who lead off their promotions with high-decibel headlines such as "Amazing Fat-Burning Secrets from Nature!" "1,749 Astounding Self-Healing Secrets!" and "137 Startling Pet Health Secrets!" We are enticed by secret recipes, secret remedies, secret formulas, secret ingredients, secret sources, secret anything and everything. The reason is simple: We are innately and insatiably curious about anything hidden or unexplained.
The point I'm making here--especially to an entrepreneur named Brian Beswick, who wrote recently--is that the discriminate use of this magnetic term can give your advertising just the draw it needs. I say discriminate because Beswick, an insurance broker from Baldwin, New York, has already used the term in his sales letter headline, but it could be implemented a lot more deftly--and certainly pay off more rewardingly.
The Big Payoff
Using the "secret" theme in advertising requires that it truly refer to some specific information most people are unaware of. That's the only way to retain credibility for your product or service. Beswick needs to work on his current use of the term. And he's got great ammo, as I see it. This broker is just 20 years old, an insurance whiz kid who was among the youngest insurance brokers licensed by the state of New York. His letter sounded to me like he's out there taking big swings of the bat every day to try to promote his fledgling brokerage. He's apparently doing some TV advertising, advertising in local papers and the Yellow Pages, and has also put together a Web site. But, writes Beswick, "I haven't gotten the results I wanted or expected." That situation will change, I think, if he leverages what I feel is his most distinguishing benefit--his youth and the enthusiasm it brings to his image and business.
My idea is to make this aspect the big "secret" hinted at in his advertising, with a headline that reads "Revealed . . . a 20-Year-Old Secret to Lowering Your Insurance Premiums." The first words of the letter play off the headline:
"Dear friend,
It's me.
I'm the secret.
Twenty-year-old Brian Beswick."
The letter goes on to explain just what a fuzz-faced 20-year-old insurance broker has to offer that more experienced people in this field may not. This approach is--to use the marketing term currently in vogue--Beswick's Unique Selling Proposition, the benefit that separates him from the rest of the pack. Insurance salespeople typically need to sell themselves as much as, or perhaps even more than, the coverage they offer. And I think Brian Beswick's "secret" qualifications give him the edge he can use with great effect in his advertising efforts. He says he now wants to concentrate on the use of direct mail to reach prospects, and I would certainly endorse that approach as a way to talk one-to-one about his unique credentials. However, it's important to observe a few letter-writing secrets to ensure that his one-pager gets read.
By the Letter
I've offered innumerable tips in this column for writing effective sales letters, but none are more important than the two I utilized in Brian Beswick's revised letter. One is to use a headline that draws the reader into the body of the letter to discover a payoff to the curiosity-piquing headline . . . and hopefully to continue reading the rest of the sales copy. If you read this column regularly, I hope you're long past the notion that you're somehow defacing a letter to use a headline at the top. If the words tantalize and entice, as every advertising headline should, they will help you get your letter read--and responded to.
The second tool is an extremely short opening sentence or paragraph. Why? Because it looks oh-so-simple to read compared to the three- or four-line paragraph most people mistakenly use to begin a sales letter. A big, fat paragraph sends the signal that "this is going to be difficult to consume." If you can, come up with just a few words that play off the headline and pull the reader in with their simplicity.
As an example, I once introduced a weight-reduction product with the letter headline "Announcing the Chocolate Pie Diet." The letter then began with the single-word opening paragraph "Shocked?" to draw people in. I then went on to explain how a diet of moderation allowed for the most sinful of foods while avoiding cravings and yo-yo weight gain. (Come to think of it, would I have gotten more attention with a headline that introduced a Secret Chocolate Pie Diet?)
I later developed another sales letter promoting data recovery software that used as a headline the single word "Whew!" in large type. That was followed by a one-sentence paragraph explaining "That's usually what you say when recovering a diamond from a dish drain." The second paragraph elaborated: "But it's also the typical response of Norton Utilities users who've used our software to recover valuables of another sort: lost data."
You get the idea. Lure readers with just enough information to get them interested. Then, once you have them safely hooked, feed them the rest of your sales pitch.
Jerry Fisher is an advertising copywriter, consultant and author of Creating Successful Small Business Advertising ($39.95), available by calling (800) 247-6553. If you'd like Jerry to consider your materials for a makeover in this column, send them to "Advertising Workshop," Entrepreneur, 2392 Morse Ave., Irvine, CA 92614, or contact Jerry via America Online at firstname.lastname@example.com
Contact Sources
Brian Beswick, (516) 868-4336, http://www.beswickinsurance.com


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Fenian movement
Fenian movementfē´nēən [key] or Fenians, secret revolutionary society organized c.1858 in Ireland and the United States to achieve Irish independence from England by force. It was known variously as the Fenian Brotherhood, Fenian Society, Irish Republican Brotherhood, and Irish-American Brotherhood. The name derives from the ancient Irish Fenians, a professional military corps that roamed over ancient Ireland (c.3d cent.) in the service of the high kings. They figure in the legends that developed around Finn mac Cumhail and Ossian.
Sections in this article:
- Introduction
- Origins
- History
- Bibliography
The Columbia Electronic Encyclopedia, 6th ed. Copyright © 2012, Columbia University Press. All rights reserved.
See more Encyclopedia articles on: British and Irish History


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|From the moment you arrive, you'll experience the Amora difference. Set against a backdrop of the beautiful white sands and blue waters of Bang Tao Beach, Amora Resort Phuket is a unique tropical haven, offering a large range of leisure facilities and sightseeing actives, both on Phuket Island and on the Andaman Sea.
|The blending of first class amenities with the extraordinary beauty of the natural landscape, together with friendly and gracious Thai service, ensure that the Amora Resort Phuket experience really is a sensational indulgence. With two large pools and absolute beach frontage, water activities at this resort are endless.
|Step into our tropical oasis and
let your senses take over. With the cool sea breezes and stunning
views of the Andaman Sea, the resort offers a little luxury and a
lot of relaxation. Amora Resort Phuket offers 247 delightfully
furnished guest rooms ranging from Garden View Rooms.
For the family, our Pool View rooms offer the option a little more space, and the range of activities available will ensure that every family member is entertained. All rooms offer private balconies, air conditioning and the full range of facilities you would expect from a deluxe hotel.
|Standard Garden View
Number of Rooms: 59 rooms
|Superior Pool View
Number of Room: 77 rooms
|Deluxe Pool View
Number of Room: 111 rooms
|Garden Cafe
This relaxed family cafe serves a great variety of Thai and International cuisine.
Open daily for Breakfast, Lunch & Dinner.
Thai Seafood Restaurant
Wine and Dine in a romantic setting while overlooking the beautiful Andaman sea or just enjoy your favourite cocktail during sun set.
Open daily for Lunch, Afternoon Tea & Dinner
Pool Bar
Offering a wide rage of light meals, refreshing drinks and a selection of delicious cocktails. The perfect place to enjoy a drink while relaxing by the pool.
Open daily from 11 a.m. - 9 p.m.
Lobby Bar
Offers a perfect venue for pre-dinner drink with casual elegance.
Open daily from 10.30 a.m. - late night
Room Service
Our in-room menu offers a wide range of light meals, wine, spirits.
from 6.30a.m. - 11.30p.m.
|Thai Seafood Restaurant
|Garden Cafe
|Seaside Bar
|Thai Seafood Restaurant
|Garden Cafe
|Seaside Bar
Getting Down to Business : Amora Resort Phuket can cater for small
incentive groups offering a variety of activities and dining options
The Bang Tao Room caters for:
Wedding :
What can be more romantic than a wedding on the beach? . A wedding on our private beach at Amora Resort Phuket! Our Chef will create a menu to suite your every taste and our friendly Thai hospitality will ensure that you and your guests will enjoy every minute of your Wedding Day. We know its the little details that make the big occasion memorable and we will ensure that everything on the day is perfect and that your day is unforgettable. For those guests staying over night or for a week, our comfortable resort rooms and facilities will ensure their every need is met.
|Pool Bed
|Swimming Pool
|Internet Service
|Kids Club
|Beach Chairs
|Just 20 minutes from the airport and 25 minutes from the buzz of
Patong, the resort is ideally situated to all of Phuket's major
attractions, while still maintaining the serenity of Paradise.


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How to order?
Just send an email to: firstname.lastname@example.com
There are about 20 "All Hands!" available, which can be shipped right now.
Please order via: firstname.lastname@example.com
I will request a transfer as prepayment and the game will be shipped right away.
Limited Editions....
For the limited editions ("Edition 74" and "Trafalgar Edition"), if you order I will first reserve a serial number, personally assigned to you.
Due to the many hand crafted parts; I can't guarantee a date when your game will be completed.
That's why you won't be requested to pay before the game is finally produced and ready for shipping.
(Because of a long list of ordered games, this might take some time.)
Once your game is ready, I will contact you and let you know.
Then I will request a transfer as prepayment and the game will be shipped right away.
You can order:
"All Hands!", 36 ships in a wooden box, 5 scenarios
Full basic game with all rules, all cards, all markers, all tables
90,00 €
"Edition 74", limited edition of 100 games
Same as "All Hands!" but with two extra scenarios and a
180,00 €
"Trafalgar Edition", limited edition of 100 games
"Trafalgar Edition" is an expansion and can only be played together
Includes the "Naval Battle Book" with historical background of the
150,00 €
Map Latex 60x84cm for "Edition 74" or "All Hands!"
16,00 €
Two maps Latex 60x84cm for "Edition 74" or "All Hands!"
|28,00 €
Trafalgar Latex Map (105x155 cm) for "Trafalgar Edition"
|40,00 €
|Poster "Edition 74"
|20,00 €
|Poster "Trafalgar"
|20,00 €
|Poster "All Hands!"
|20,00 €
|Fruit of the Loom T-Shirt (S, M, L, XL, XXL, XXXL)
|20,00 €
Shipping costs
|EU (close),
Austria, ...
|one game
|8,50 €
|19,20 €
|28,00 €
|38,00 €
|45,00 €
|two games
|8,50 €
|23,20 €
|33,00 €
|48,00 €
|60,70 €
|small roll
|5,60 €
|13,40 €
|13,40 €
|20,10 €
|20,10 €
|big roll
|16,50 €
|22,00 €
|22,00 €
|37,70 €
|45,00 €
*) including package and insurance
Order Form
As the internet shop is still under construction, to order simply mail your order to:
I will answer as soon as possible.
Certification and Quality Check, for the limited Editions.
A two stage quality check is performed and signed off for each and every game to guarantee completeness and a certified unique number.
Alles Gute
Mario Jugel


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There's a baby on the way for Evan Rachel Wood and Jamie Bell.
The couple, who married in secret in October, are expecting their first child together, Us Weekly reports.
"Thanks for all your warm wishes. We are very happy. I'm gonna be a mama!" Wood tweeted Friday, before adding, "Song of the day. 'Sweet child of mine' #gunsandroses"
Wood, 25, and Bell, 26, met in 2005 on the set of the Green Day video for "Wake Me Up When September Ends," in which they both starred. They dated for about year before breaking up and then reuniting in 2011. In the interim, Wood dated and was engaged briefly to Marilyn Manson.


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Despite the impact from turbulent markets, asset managers both in the U.S. and around the globe emerged from 2011 more focused than ever, says Cerulli in a "Top Trends to Watch in 2012" report.
So what's the biggest take-away for asset managers in the wealth management space?
"Cerulli believes the biggest lesson learned over the last three years is 'doing more with less,' and firms should now apply that discipline to targeted growth," say the Boston-based research firm's practice heads in their report.
This year, the asset management industry remains cautious yet poised for opportunity, according to Cerulli, which predicts that challenges for 2012 will include:
- Protecting margins at a time of greater pressure on fees
- Growing wariness among investors
- Increasing demand for costly support and services from distributors that want to work with fewer firms and institutional investors that want more services.
"Many firms have adopted austerity positions during the last few years, and for good reason<" Cerulli says. "However, 2012 may be the time to put excess capital to work and incrementally grow resources and capabilities again."
Read on to learn eight top trends for asset managers highlighted in the Cerulli report.
1) Regional Growth Around the Globe
Cerulli believes the U.S. market of asset managers, which represents 50% of the world's assets under management, will lead the way in net national income and market appreciation for the global asset management industry. Retail, retirement and institutional money sitting on the sidelines will begin to make its way back into the market. Advisors, fund providers, distributors and advisors will be more than ready to aggressively pursue prospects and clients.
Worldwide, growth will vary, led by Asia, Europe and Latin America as institutional investors and pension providers lead the way. Europe, still under the shadow of the sovereign debt crisis, will see moderate investment flow to the United States for safety, and to Asia and emerging markets for return.
Asia's growth will be hampered by a decreasing wallet share among mutual funds, increasing regulation that will limit product development, and by distributors that are wary of expanding their roster of investments. Further, institutional investors will manage more of their assets internally, rather than doling out mandates. In Latin America, pension systems will continue to be the engine of growth.
2) Hiring on the Rise
Asset managers in the United States and elsewhere will engage in selective hiring in the next 12 months, Cerulli predicts, believing that firms will hire both specialists and generalists. The demand for more advisor-focused education including value-added programs is prompting managers to bolster their product specialist staffs and other training-focused human resources.
Rising request for proposal volume and database demands will translate into new hires for RFP teams, including writers and database administrators. The push toward social media and mobile-device friendly websites means that managers need social media and other e-commerce experts. At the same time, the dynamic nature of the industry calls for managers, particularly at smaller firms, to employ professionals that can operate as adaptable generalists.
3) Alphabet Soup on Regulation Menu
In 2012, regulation will be a primary driver of business decisions, Cerulli believes. An alphabet soup of regulations comes from Europe and Asia as regulators still smart from the collapse of Lehman Brothers. This means that firms will need to tread carefully as they build their international business, according to the firm.
Regulations will play an increasing role in how products are developed and sold. For this reason, fund managers will need to cater to local requirements, while keeping an eye on expenses and focusing on core strengths.
"In Latin America, a key shift in Mexico's pension regulation opened the door to international separate accounts, and the first RFP culminated with Banamex's private pension plan awarding $500 million to J.P. Morgan, BlackRock and Schroders," Cerulli reports. "In the United States, advice providers await final rules and implications of a possible universal fiduciary standard theoretically imposed by the Dodd-Frank Act of 2010."
4) The Retirement Sweet Spot
The global defined contribution (DC) revolution promised in the 1990s has never really materialized, but Cerulli believes that 2012 is the year global firms will put their stake in the ground and initiate their plans. "While long-term investment has always been the sweet spot for mutual funds and DC platforms, personal pensions and budding government systems will be the best way forward for most firms," Cerulli says.
Opportunities will exist for both full-service pension managers, particularly those partnering with global custodian and administrators, and investment-only asset managers. In Europe, crumbling state commitments, high tax rates and new structures will drive assets toward corporate and personal plans. In Asia, mandated state systems designed to avoid the welfare state and tap in to high population rates will begin to take shape. Meanwhile, the pensions of Latin America will continue to provide strong and steady growth.
Cerulli believes that success in managing pension assets outside the United States "will not come easy, nor will it come in the near term." Further, the investments most in demand will be lower revenue generating fixed income or passive equity mandates. The bulk of assets will be awarded to local managers, and for that reason, they will not be scalable from a global perspective.
By contrast, in the United States, where the DC market is well established, target-date funds are becoming the prominent investment vehicle.
5) 'Vehicle-Agnostic' Product Development
In the U.S., asset managers will approach new product development from a "vehicle-agnostic" perspective, choosing open-end, closed-end, exchange-traded, collective trust and other fund structures to optimize asset class and distribution opportunities, Cerulli says.
Investment capital to seed these new products will be in short supply, but less meager than in the years following the market crisis. Assets will continue to flow to new and compelling investment strategies, particularly alternative and risk-sensitive strategies.
In Europe and Asia managers will review their offshore product lines to comply the local market needs leaning toward macroeconomic themes. More firms will assess local fund strategies for select markets. Similarly, in Latin America, Cerulli expects to see global managers take varied approaches to get a piece of the enormous Brazilian mutual fund market. Half a dozen global players are looking at launching local funds, while some continue to try to raise money via non-domestic products.
6) ETFs Grab More Attention
Exchange-traded fund (ETF) assets will keep mounting, says Cerulli, and in the United States in particular, ETF sponsors' commitment to education will boost financial advisor adoption to new levels. Ongoing pressure to lower fees will drive institutional assets to ETFs, but institutions with sufficient scale may elect to construct their own index-based portfolios.
"The magnitude of ETF growth, and their level of threat to active mutual funds will depend on several pivotal factors: capital market returns and the influence on investor preference for passive or active management, the motivation level of top-ETF sponsors' to pay revenue sharing and the ability to tie sales to wholesaler commissions, significantly expanded support for ETFs in DC plans, and the ability of active ETFs to take hold in a meaningful way," Cerulli says.
Outside the United States, ETFs will continue to grow, but will remain more the focus for institutional investors and fund managers. ETFs dominate the private pension space in Mexico, Colombia and Peru, for example. Retail ETF adoption will be lackluster despite low fees, Cerulli predicts.
7) Advice an Anglo-Saxon Trend
As a global trend, advice remains confined to a handful of markets around the world, with the Anglo-Saxon world of the United States, Australia and the United Kingdom being islands of activity. In Asia, the rest of Europe and Latin America, advice remains a bank-driven transaction business, with the exception of the private banking channel. "This trend will not change in 2012," Cerulli asserts.
In the United States, high-net-worth investors have become more involved in the oversight of their financial investments after being shaken up by the last three years. "These investors no longer implicitly trust their advisors' recommendations," Cerulli says. "Accordingly, they are demanding more information, greater transparency, and greater involvement in investment decisions. Among high-net-worth investors, 86% verify their advisors' recommendations through their own due diligence efforts."
In the United Kingdom, RDR regulation, when implemented, has the potential to change the local independent financial advisor market by making advice and transaction charges transparent and forcing many advisors to change their business models, assuming the regulations are not watered down.
Client-facing advisors, meanwhile, are looking for ways to reinforce their value to investors. Faced with ongoing volatility, U.S. advisors are increasingly adding alternative, non-correlated, and tactical asset allocation elements to client portfolios in an effort to steer clients away from risk. Additionally, large broker/dealers continue to express interest in broadening their advisors' relationships with investors by increasing the role of financial planning.
8) Manager Fees: An Obsession
"The global obsession with fees has polarized the industry," Cerulli says.
Active managers are trying to take back some control in an effort to defend their charges for portfolio management expertise, while passive managers argue for lower fees that will boost investment returns. Added into the mix are the debates around ETFs versus mutual funds, unconstrained versus style box, and direct versus advised channels.
These ongoing debates are healthy and good for the industry, and all views on products and services are, in some ways, correct. "However, there is no single way forward," Cerulli believes, saying that in 2012 the focus on portfolio construction and outcome-driven investing will move to the forefront.
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