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An alternative method of accessing your Smoothwall for administration purposes is to use a Secure Shell (SSH) console. You can control whether remote access is allowed. SSH access is turned on by default upon installation. Upgraded systems where SSH is turned off, remain as such. The Remote Support SSH option, means that Smoothwall Support representatives can remotely connect to your Smoothwall for diagnostic purposes. This option is turned off by default. You might be requested to turn on Remote Support SSH access by a Smoothwall Support representative as part of support request. Add a message to be shown to users after they have logged into their SSH session. Typical text might include warnings about editing configuration files.
Things you can do here
Allowing a remote connection to the Smoothwall Filter and Firewall
Page reference details
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Prospect of three minimum wage increases in a year is 'unsustainable', warns NHF
15 March 2016
As tough new fines come in, taking health and safety seriously makes good business sense
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Half a million small businesses will need to start offering a pension this year - is yours one?
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Countdown to the National Living wage has started, and salons need to get ready
4 January 2016
Limited edition magi:bobbles - Helping Hairdressers in Need
22 December 2015

subset: commoncrawl


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Xbox live generator jobs
...and enhancements troubleshot over AnyDesk using live equipment. Candidate needs to be very familiar with test and measurement equipment, test uncertainty ratios, drivers, excel spreadsheets, complex equations and GPIB interfacing. We will also require the engineer to validate their upgrades via live testing and certification. If you understand the
Need modern and good look ui/ux design for web application and mobile applications of our coaching platform which has various sections like videos, live classes, doubt discussions, dashboards etc for a quick upgrade of current version. Design has to be with attractive themes and simple flows. U can verify the current version which has to be upgraded
I'm a musician with three gigs in LONDO...three gigs in LONDON this Monday, December 9th, Tuesday, the 10th, and 11th, and I'm looking for a videographer/editor to film at least two (preferably all 3) and edit them into live footage. My work is fashionable / funky / soulful / sexy. I'm a solo electronic act who's a vocalist and dancer. Cheers - :)
Hi, I need 3 Spanish Interpreters. I will pay y...interviews. You will be given one week training and you have to be familiar with Medical Terminologies as you would be working as an interpreter between the doctor and patient live for Spanish and English languages. Contact me only if you have worked as an interpreter before in a call center. Thank You
Website that brings live scores, match results and player ratings from the top football leagues and competitions.
Develop a Live Webcast Auction System with Live Online Bidding to integrate into our in-house auction website. Existing examples including bidpath, BidJS, Bid-Kit, GAP etc. We require our own bespoke system built for us to use. Software must be inline with the most up to date and secure web script functions and development parameters.
Business Writing and Research, must use APA, high level word formatting, must have business degree, MBA or MA English with business backgroun...your degree, and resume attached to your reply. Simple editing will pay a lower fee, extensive writing will pay a considerable project fee, not shown. Prefer candidates who live in Vancouver area. Thank you.
We need e-learning application where learning resources are available as well as thr functionality of quizzes, moke test , live test , doubt section etc.
...going on project. thanks Here Is the requirement. 1. THE HIGHLIGHT REEL THE HIGHLIGHT REEL IS 3 to 7 MINUTES IN LENGTH. IT INCORPORATES THE VIDEO SHOT AT THE WEDDING WITH LIVE AUDIO AND PERSONAL VOWS. THERE IS A (LOOSE) GUIDELINE TO EDITING EVERY HIGHLIGHT REEL. EACH HIGHLIGHT REEL HAS SECTIONS BUT IT CAN BE AS CREATIVE AS YOU WISH. WE WILL PROVIDE
I'm seeking a reliable lead generator for Debt Relief (similar to Debt Settlement) but by a Law firm. Must be able to provide ONLY US TCPA and DNC compliant leads on a pre-qualified basis. 2 minute buffer required. You must be able to fill out a lead form and provide it with a LIVE CALL TRANSFER. I will not consider any other methods of marketing
Actually using Excel Add In from "Live Sport Data" on Mac OS x (See Attached Pictures) to retrieve Sport Data from Various Brokers All Over the World . However None of them are the ones i Use . The 3 Bookmaker I use , required , Inscription and Password to Access their Site . can send Password for you to see data in real time . need the data to be
Hi, please check requirements before biding. I need a brand new apple developer account, that was just been created, newly, or if you can create a brand new acco...need a brand new apple developer account, that was just been created, newly, or if you can create a brand new account and get it activated, we will pay you after the account is live Thanks
...situation (also hope to make it viable for women safety against abuse) I will provide Adobe XD designs for each and every layout. And I will require support until App goes live. Final milestone would only be released if Apple approves submitted app. Mention Zap and provide your portfolio as well :) #previous app was on #C released back in 2014 Thank
We are looking for someone to translate emails and landing pages on an occasional basis, and do live interpretation of English to other languages
I need simple program where i put list of companies from chart or database and program will add key person (based on keywords like marketing, ceo, owner, hr..) from linkedin with position and send automatically invitation request with text.
- app must be in App Store; - ios 11 or later; - native( without ads, services and networking ); - not game
you have to work on anydsk to fix laravel issues.. -----------add live streaming basic function & api
I have a dropshipping website for baby clothing and I need someone to update and add new items on the store from Aliexpress. This would include fixing the descriptions, im...Also once the items are added to the site, the website needs to be checked thoroughly for its functionality, process, speed and fixed accordingly so as to make it ready to go live
...recently purchased a campsite called Twin Lakes in Montendre, 17130, France. We require a freelance French to English translator to help with day to day business admin and to Live translate when required. 1 example of a task will be helping us to change our alcohol licence from a licence 3 to a licence 4. Would prefer this person to be a French national
Hi all, I would like to develop...of basic features like registration / login / placing an order [login to view URL] facility 2. Order updates to customer 3. Delivery booking slot 4. With in 10 miles radius range 5. Live support chat option. 6. Order notification to the store via email / other facility Please provide the quote and timelines to be delivered
I want to produce a lot of video like this: [login to view URL] This is kind of live action motion graphics video If I want to make a video like that like above, how much does it cost Thank you so much, everyone !
...repair business Page 1- customers repair track (sould be linked with RepairShopr software which we use for booking and tracking) Page 2- customers login Page 3- live feeds Page 4 - live phone selling Read it carefully before bidding: Can you please bid total price for both iOs and android Anyone mention whats your budget after the bid will be
On [login to view URL] the slider does not display on live site, but does display in admin tool, so slider is active & functioning. Homepage view source line 74 or [login to view URL] file attached. Also attached is zip folder with css files used on site & as well as screen grab of homepage & admin tool to display slider working. FTP details will be
...for a person living in Germany to join our team to help us sell our products, we need a fluent German speaker (native or C1 OR C2 level). Please do not apply if you do not live in Germany or do not speak fluent German. The products and businesss are already well established in the German market Main requirements to contact hospitals via telephone
Power systems fault analysis including generator and motor current.
Android and Ios App Completely native apps required... check ref app need same functions.. NOTE: first milestone after completing 1 app then next after second..
...(Multiple company's) 2 . Company Owner 3. Company Branches 4. Branch Admin 5. Branch Employees (B) Common features 01. Barcode scanner 02. Barcode generator 03. Membership Plans 04. Coupon generator 05. GST Billing Options 06. Discount (Flat, %) 07. Sales person commission option (Flat, %) 08. Inventory Management 09. Expense Tracker 10. Customer
...the video is 3 tips (there'll be a short intro, the 3 tips, and then a short outro). Total words: 500. I don't want just a voiceover changing screen video. I want a live human being talking to people. It would be nice to have some text overlay to introduce the tips. And, I'd want to show the company logo at the end of the video. I'm looking
Capabilities to do: audio, video and to live stream through both audio (quality 320kbps) and video (HD+) HLS, (HTTP Live Streaming) eCommerce required Require APP to be available on Play Store & APP Store Embedded player to embed our content easily in our website capabilities to stream, and download within APP for offline use (timed then removed)
update exising app android and ios with live broadcasting feature where broadcasters can live stream and other users can watch and chat and send gifts purchased via inapp purchase. i m looking for chinese developer who can implement live broadcasting sdk. i m looking for low cost monthly sdk. I found this sdk [login to view URL] .do u know any other
Idea is of making a ecommerce platform from where we can sell things. Live video streaming of products by our team, we will be covering geo location of user and will show advertisement also from that locality. Later our plan is to use our own wallet for all the transaction.
I need a hybrid mobile application which will work on both iOS and Android. I'll be sharing APIs, you'll need to integrate those and along with that we have Live Video Streaming through Vimeo or YouTube, or any other suggestions are welcome.
...more. Let us show your guests the best time of their summer -Testimonials slider ( home page under lake time)? Downloaded trip advisor review slider plugin. -Instagram live feed (bottom of home page) -Add gift cards page with its own header button -Mobil version now showing tabs for pages Add kids camp section with its own header button -
...- View a list of live user feeds related to the ranking. "Top ranking users with the most number of live viewers are shown above." - Explore icon (Displays all live feeds by breakdown by category - Recent users, nearby users, hotlist, by country, search bar.) - Video icon in the middle to start a live feed (users must create a live feed title and has...
I'm looking to develop a hashtag generator tool for my website, there are a few hashtag generator tools out there, let me know what you can do! I have [login to view URL] in mind
Something wrong with uploading php website live, please help!
I am looking for a freelancer who can teach and assist me in creating...management techniques required for mass emailing. I have already purchased contabo vbs server with 8 additional IP You will be providing me tutorial videos, command line codes, Live sessions on laptop using anydesk. The freelancer must speak with Hindi or Good English Regards
I AM APP DEVELOPER AND I MAKE APP I.E CRICKET STATION IN THIS I WANT TO SHOW BETFAIR CRICKET ODD...CRICKET API AND THEY SHOWING CRICKET ODDS ON THERE WEBSITE OR APP SO I AM JUST WANT ONLY BETFAIR CRICKET ODD IT IS NOT FOR BETTING PURPOSE ITS ONLY FOR JUST SHOWING ODDS WITH LIVE SCORE WEBSITE [login to view URL] developers link :- [login to view URL]
...com Obviously we will give you more information and details if necessary. Given that we are French, we will do our best to communicate in English in the case of chatting in live. Then sorry for the possible misunderstandings in such a case :-)...
I need Apache2, PHP and Laravel installed onto my DigitalOcean droplet to make my website live. This will include installing PHPmyadmin. The images below show the installation I need doing as well as the website files I would like to make live
I have ios developer who is updating exising app with with live broadcasting feature where broadcasters can live stream and other users can watch and chat and send gifts purchased via inapp purchase. you need to setup a webrtc server . tell me exactly which media server u will use. I am looking for a solution which can handle 10 broadcasters daily who
Hi guys I'm looking for a freelancer that can set up following: Scraping of 2-3 webshop for following information; Manufactures Model Number ; EAN-code (if there) ; Price ; QTY The data needs to be extracted daily, either directly into sql og by automatically sending a csv file containing the information
...UI Schedule trip Booking trip Wallet My Addresses Trip History Notifications Invite Friend promo code Earning Live Chat Support Language Log Out ADMIN FEATURES profile management passenger And Driver Cap management Push Notifications Live Tracking Map Payment Management Withdraw from the apps Chat between Driver And Users Video call Booking confirmations
...squarespace websites work) updating our social media pages give us general help and support and sign posting us to other helpful sources PLEASE DO NOT MAKE AN OFFER IF YOU LIVE OUTSIDE THE UK AS THIS JOB IS AVAILABLE FOR PEOPLE IN THE UK . THANKS (PLEASE DO NOT APPLY IF YOU ARE FROM Pakistan, India, or china as we are not accepting offer from these
I am looking for a person who creates a live statistics program, by entering some variables eg angles, cards, throws, possession, attacks, etc., sends me a notification of the match that meets these statistics on a telegram channel.
PLEASE READ THIS POST PROPERLY AND CARFULLY - DO NOT MAKE APPLY FOR THIS PROJECT IF YOU ARE FROM PAKISTAN,INDIA,CHINA...the following , weaving, carving, or pottery , card making , Jewellery making etc) If you have worked with other craft business (especially Jewellery bsuinesses) and you live in the UNITED KINGDOM then please make me an offer .
...AUTOMATICALLY BE REJECTED. We are looking for someone to write products description for our new update website in the run-up to christmas , we are looking for someone who is live and is form the united kingdom only has worked with crafts business before or has full knowledge of the crafting industry and has worked with Squarespace websites (the craft
...series of talks given by highly qualified speakers. Previous talks published by our organization have reached an audience of 188,000+. Job Responsibilities: - Recording a live event from start to finish with high quality - Editing and finalizing video content from each speaker. - Producing 5 finalized digital copies Requirement(s): - Must own
We are looking for someone who can tweet out updates live during cricket matches on our official twitter page. Tweets will consist of events during the match such as a wicket, a boundary, 50s and 100s etc. The tweets would be tweeted for the duration of the match at short intervals with GIFs, Memes, and links to website included in the tweets.
...need an expert, preferably a lawyer, to check the credibility of the companies. The companies are located in india and some have branches in the UK and in the USA. Since I live abroad, I need an expert who can: - check the legal registration of the company. - seek costumer opinion. - analysis all possible scenarios. - give valuable advices on how


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The Global Business Forum Latin America 2019 is being organised by the Dubai Chamber in partnership with the Inter-American Development Bank
Panamanian President Juan Carlos Varela will be among the government figures and prominent business leaders in attendance at the upcoming Global Business Forum Latin America 2019, which is focused on expanding economic ties between Latin American and Gulf countries.
The forum, which will take place on April 9 and 10 in Panama, is being organised by the Dubai Chamber of Commerce and Industry in partnership with the Inter-American Development Bank.
The event will revolve around business opportunities in key sectors, including logistics, tourism, agriculture, finance, renewable energy and manufacturing.
The first day of the event will include a session including the Panamanian president, who will speak about his government's efforts to promote interregional dialogue and building international relations, resetting its relationship with China and create ties with the Arabian Gulf region.
Other sessions will examine the dynamics of global trade and investment, as well as several country-focused sessions on the economic landscape and investment opportunities in Mexico, Colombia and Brazil and Panama.
"The impressive line-up of high calibre officials and delegates taking part in GBF Latin America – Panama 2019 reflects the strong commitment of public and private on both sides in building new bridges of economic cooperation, while it also shows growing confidence in Dubai as a global gateway for Latin American companies," said Dubai Chamber President and CEO Hamad Buamim.
Buamim added, "Given the vast business potential that has yet to be fully explored by companies in the GCC, Latin America and the Caribbean regions, we restructured the programme to cover a wide scope of topics, issues and sectors of mutual importance.
"From cooperation on food security to joint ventures focused on renewable energy to competitive advantages offered by dynamic trade hubs such as Dubai and Panama, the forum will examine all potential areas where business communities in these regions can expand their cooperation.'


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Take out a pencil. This is a test.
Which of the following best describes parents who pick up their children from school and ask,
"Hey, how'd you do on that math test?"
- Attentive
- Supportive
- Involved
- Contributing to a high-pressure academic culture that's hurting our kids' health without actually helping their intellect.
Yeah, take your time on this one. It's tricky.
I thought I knew the answer. I thought I understood how to squeeze my kids through the narrow, competitive tube of American academics. But a challenging new documentary called my assumptions into question.
Created by a frustrated mother of three, Race to Nowhere aims its cameras at our pressure-cooker of a school system, where college hopefuls scramble to build dazzling transcripts only to graduate high school burned out and, ironically, unprepared.
With a sold-out screening at the Arlington Theatre on January 9, the film is getting nationwide attention. Filmmaker Vicki Abeles, a former corporate attorney on Wall Street, made the film after her seventh grade daughter was diagnosed with school-induced stress.


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The Investors Dream6A Brushbox Grove, Oxley Vale
Located in a quiet cul-de-sac and only minutes away from schools, shopping centres and the CBD is this excellent four-bedroom, two-bathroom, large single lock-up garage home. There is an abundance of natural light thanks to the large windows and bright interior. Four bedrooms all with built-in wardrobes and carpet, as well as an en suite with a big shower in the master bedroom. The separated lounge/media area situated off the bedrooms makes sure that one can watch the latest football game or movie in peace and quiet. The kitchen is bright, functional and centrally located in the home. The fully fenced backyard gives every hobby gardener the chance to fulfil their dreams, and the covered alfresco gives you the option of a 24/7 BBQ season!
Previously rented out for $380 per week, this property will bring stable returns.
Previously rented out for $380 per week, this property will bring stable returns.


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Investors To Buy My House Fairview, NC
How To Stage A House To Sell Quick Fairview
CalHFA has first and also jr funding alternatives for low to modest revenue families, consisting of low to no rates of interest deposit help financings. Although many of our programs are for novice buyers, you do not should be a newbie homebuyer to use CalHFA's FHA and also Traditional very first mortgage loans. CalHFA does decline car loan applications directly. A CalHFA accepted Lending institution will certainly qualify you for a home mortgage, so you will should apply with among our Preferred Loan Administration or approved Lenders (See Step 2). You could find the details about CalHFA mortgage loans by clicking the Lending Programs tab over.
Fast Sale Homes in Fairview3 short stories you didn't know about investors to buy my house Fairview.
What To Offer On A Residence Price A CMA is one of the most extensively utilized, dependable, as well as mathematical method of estimating truth value of "your" residential or commercial property, and functions similar to window shopping. A CMA distills your property right into its necessary characteristics namely, bed rooms, restrooms, home and also great deal square video as well as contrasts it with neighboring residences that have similar attributes which are presently on the marketplace or have actually recently sold. Particularly, your Realtor will get into MLS and look for residential or commercial properties:
All that said, the emphasis of this short article is the type of REAL ESTATE AGENT who is associated with business of trading propertyin other words, the type of REAL ESTATE PROFESSIONAL whose main task title is property agent.
How To Find Cash Buyers For Real Estate Fairview North Carolina
The Federal Real estate Administration has actually offered beneficial terms since 1934; today they are just one of the very best options available for those with less-than-perfect credit. The called for down payment of 3.5% is far more attainable for most possible buyers. The FHA likewise requires both ahead of time (1.75%) and also yearly home loan insurance (beginning at0.80%) for all borrowers, despite the amount of down payment.To find out more about this program, have a look at the U.S. Division of Housing as well as Urban Advancement (HUD).
Investing in Real Estate Clubs/Fairview http://www.investing-in-real-estate-clubs.com Get in touch with: Marsha Haywood, Club Supervisor [email protected] Telephone: (323) 256-8834 When: 4th Thursday of each month, 6:30 pm supper, 7:30 pm speakers Where: See website, Fairview
Selling A Property As Is in Fairview
For instance, if you might consent to develop your real estate analysis promptly and to take task for smaller sized fixings that arise your offer will definitely be a lot extra distinctive as compared to a completing bargain that consists of more pre-closing fixing to be completed by the vendor.
Given that repossession typically needs potential NC consumers to wait a minimum of two years prior to acquiring a home mortgage, an usual issue is that professionals will need to wait 4 years or more to progress. Thats not always the case.
Houses For Sale In Arnold in Fairview
North Carolina Organization of Property Investors - Fairview http://www.carei.com Call: Stacy Gurule [email protected] Telephone: (303) 398-7035 When: 1st Tuesday of every month, 6:30 pm Where: Radisson Inn North, Academy as well as I-25, Fairview.
Youll be pleased to know the Fairview based Fairview Association of Realtors recently merged with the Fairview based Fairview Belt Board of Realtors and the first time in history all Real estate agents are currently under one Organization.
Fast Cash From Home Reviews in Fairview
Real Estate Investors Group National Organization of Female Property Investors North http://www.nawrei.org/ Get in touch with: Tiffany Steele [email protected] Telephone: (303) 798-5010 When: Tuesday after the 2nd Monday of each month, 6:00 pm Where: Westin Resort (Hwy. 36 & 104th), Fairview.
Your Weichert Sales Partner We understand this most likely seems like some difficult reasoning exercise reminiscent of that initial psurprisesophy training course you repossessed in your fresher year of college. Its not that made complex, really. The term real estate agent puts on a real estate professional that belongs to a worldwide organization called the National Organization of REALTORS, or NAR. Some property representatives opt to join NAR; others dont. Nevertheless, real estate agents represent just a portion of the participants of NAR. Other experts that join this company include:
How To Walk Away From Your House in Fairview
The electronic readout on an infrared thermostat tells the temperature level of whatever you direct it at making use of an infrared beam of light. Its used for checking the temperature of heating and air conditioning tools, including signs up, hot water, and so on, and the temperature of electrical devices, such as circuit Fairviewkers. Infrared thermometers are additionally practical for checking the temperature of things that are tough to reach. The majority of home examiners make use of these as well as they set you back as much as $100.
Once you have actually made a list of your must-haves, always remember to think of the sort of neighborhood you desire, types of colleges in the location, accessibility of public transport, the size of your commute to and from job, and also the convenience of regional buying. Take into account your security concerns in addition to the rate of residence gratitude in the area. Choosing where you are mosting likely to live must be finished with treatment.
Investors Fairview North Carolina
A thermal imaging inspection using an infrared cam could provide inspectors with info on home power loss, warmth gain/loss with the outside walls and also roofing system, dampness leakages, and inappropriate electrical system conditions that are normally not noticeable to the nude eye. Because it surpasses the extent of inspection Standards of Practice, thermal imaging is not thought about component of a General House Examination.
I do this now and then. I simply recently did a single-family rehab where it simply type of exercised that I didnt have to bring any one of my own loan. The offer sufficed and also the fix-up budget plan can be found in a little under my price quote and also I was able to make a decent little earnings without dipping into my account. I have to state, these deals behave if they exercise.
Quick House Sale in Fairview
You may be stuck paying a greater price until you can improve your credit report scores if your credit rating is poor. Do not allow high rates stick you in a rut. The very best method to deal with high rates is to conserve as high as feasible as well as work to improving your credit report. Right here are some additional ways to save money on auto loan:
Sell Propertie Fairview North Carolina
Other articles that may be of interest to you:
- selling an old house in Fairview, NC
- buying house for cash in Fairview, NC
- homevestors in Fairview, NC
- taxes on inherited house in Fairview, NC
- buy sell homes in Fairview, NC


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1m Yellow Thong
This limited edition cord is perfect for braiding a Nalu Beads bracelet.
Be sure to check your cord regularly for signs of wear and tear.
We recommend that you don't get this thong wet as material may perish and colours may run
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Juventus star Cristiano Ronaldo has been served with court papers related to a rape lawsuit in the United States, according to documents filed by his read more »
The Nigeria Association of Women Journalists, Oyo State chapter, has called on the Governor of Oyo State, Mr Seyi Makinde, and leaders in Yorubaland read more »
Nollywood actor, Deyemi Okanlawon has admonished single ladies not to ever pray for 'good in bed' men when looking for husbands. According read more »
Sekem' crooner, Innocent Udeme Udofot, popularly known as MC Galaxy has said he prefers music to comedy because the former is more lucrative than read more »
2016 is a year Nigerian actress, Bose Alao, will not forget in a hurry as her N12m film project got lost. In an exclusive chat with Saturday Beats, read more »
Two officers of the Nigerian Air Force have been dismissed for their alleged involvement in the murder of a police sergeant securing a farmhouse read more »
The Managing Director of Niger Delta Development Commission, Professor Nelson Brambaifa, was on Monday invited by the Economic and Financial Crimes read more »
Nigerian actor, Antar Laniyan, in an exclusive interview with Saturday Beats has revealed the secret behind his youthful looks and agility. In the read more »
Former Plateau Governor, Jonah Jang on Friday objected to an attempt by a witness, Jonah Kabong, a Civil servant, to tender two classified documents read more »
The police in Lagos have arrested one Peter Thomas, the chairman of Tiv community in Idasho town, Ibeju-Lekki Local Government Area of the state, for read more »


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Compatiblility: The cable works with all devices that accepts 3.5mm male jack. Gold Plated: The male jacks are of high quality material ensuring premium sound quality. Durable: The aux cable can withstand 10000+ folds. Volume Controls: The Aux cable comes with volume controls ensuring volume management with out holding the device. Comes with a Mic: The cable has an inbuilt mic, ensuring you can speak without holding the device.
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BibTeX record journals/sensors/HeYYLY18
@article{DBLP:journals/sensors/HeYYLY18, author = {Xiaofei He and Xinyu Yang and Wei Yu and Jie Lin and Qingyu Yang}, title = {Towards an Iterated Game Model with Multiple Adversaries in Smart-World Systems}, journal = {Sensors}, volume = {18}, number = {2}, pages = {674}, year = {2018}, url = {https://doi.org/10.3390/s18020674}, doi = {10.3390/s18020674}, timestamp = {Wed, 14 Nov 2018 10:47:52 +0100}, biburl = {https://dblp.org/rec/bib/journals/sensors/HeYYLY18}, bibsource = {dblp computer science bibliography, https://dblp.org} }
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2019-12-12 21:24 Jan 23, 2018 Provided to YouTube by Entertainment One Distribution US There's a Voice in the Wilderness Crying Eric Nordhoff Quietime: Hymns Go
Jul 31, 2017 Please support this channel and the ministry we provide on our Patreon page: There's a Voice in the Wilderness Crying there's a voice in the wilderness crying youtube
Authoritative information about the hymn text There's a Voice in the Wilderness Crying, with lyrics, MIDI files, printable scores, PDF files, and products for worship planners.
Jan 27, 2016 Get YouTube without the ads. Working Skip trial 1 month free. Find out why Close. There's a Voice In the Wilderness Crying (Ascension) The Voice Of One Crying In The Wilderness there's a voice in the wilderness crying youtube
Jan 18, 2008 Janiel Miller sings a beautiful rendition of There's A Voice In The Wilderness Crying, by Mark Andersen, on our podcast this week. This piece is one of those rare moments of inspiration that glas koji vie u pustinji the voice of one crying in the wilderness isus krist je gospodin jesus christ is the lord besplatno ste primili, besplatno there's a voice in the wilderness crying youtube
Lilly Singh, 30, will become the second woman to become a latenight host on a major broadcast network (Joan Rivers was the first, as The Late Show with Joan Rivers aired from 1986 to 1988). The
Oct 09, 2006 It is rumoured that Hollywood has a 4th Jurassic Park Movie on the cards. We ALL just love the Dino Movies and are waiting with baited breath for the next Jurassic Park edition. If they're short
Feb 14, 2017 Jessa and Ben Seewald announce the name of their second child. Jessa and Ben Introduce Baby Seewald Counting On TLC. See How Jessa Duggar Has Been Managing A House With Two Babies
Mar 03, 2009 This is the hymn sung at the end of the movie We Were Soldiers . I felt the hymn was beautiful and just put in the lyrics and some relevant pictures. If
Oct 06, 2013 KingBach vine compilation (names in description) 64 of KingBach's funniest vines Follow him @KingBach on Twitter, KingBach on Vine, and subscribe to his yout
Jul 17, 2018 Official YouTube Channel for 20th Century Fox Movies. Home of Avatar, Aliens, XMen, Die Hard, Deadpool, Ice Age, Alvin and the Chipmunks, Rio, Peanuts, Maze Runner, Planet of
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SETAC Europe 19th Annual Meeting, 31 May - 4 June 2009, Göteborg, Sweden List of topics, Page 1 of 23 SETAC Europe 19th Annual Meeting 31 May – 4 June 2009, Göteborg, Sweden LIST OF TOPICS Table of Contents A - Ecotoxicology ................................................................................................................... 3 A01 - Animal alternatives in ecotoxicology: experimental ...
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UK mobile network operator, EE, has ramped up its 5G offering, launching next generation mobile network services in an additional 14 towns and cities across the country…
UK mobile network operator, EE, has ramped up its 5G offering, launching next generation mobile network services in an additional 14 towns and cities across the country.
Today, EE will offer 5G services to subscribers in Castlereagh, Guildford, Hamilton, Harlow, Hoddesdon, Kimberley, Lisburn, Maidstone, Sydenham, Watford and Wolverhampton, and has switched on its first 5G sites in Liverpool, Glasgow and Huddersfield.
"Switching on 5G in more places is helping us deliver the best mobile experience to our customers, keeping them connected to the things that matter most. RootMetrics' early 5G testing shows that we are a long way ahead in terms of 5G performance, and our engineers are continuing to build new sites every day, on our journey to keeping our customers connected 100% of the time," said Marc Allera, CEO of BT's consumer division.
EE was the first UK mobile network operator to launch 5G services, when it kicked off its next generation mobile network in May 2019. The networks initially launched in the four UK capitals (London, Edinburgh, Cardiff and Belfast), with coverage in London now scaled up to cover around 60 per cent of the city.
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There are lots of ways for an organization to run afoul of the Fair Labor Standards Act (FLSA). The news in HR circles has, for years, contained regular news stories about FLSA lawsuits and the frequently massive payouts/settlements the offending organizations were made to pay to make their wronged employees whole. What follows are the Top 10 most expensive FLSA lawsuits of 2017. Reading this list, of household name brands drives home just how pervasive the challenges are for companies of all sizes when it comes to driving compliance. Particularly with regard to overtime pay. First, go ahead and read the list.
How to Avoid an Expensive FLSA Lawsuit – The Top 10 Biggest Busts of 2017
Feb 22, 2018 9:33:06 AM
Topics: Blog, MSP/VMS, Compliance Services, Human Resources, Workforce Management
BOO! The Specter of Costly Misclassification Audits Rises this Halloween
Oct 30, 2017 3:04:33 PM
Neither ghouls, goblins or ghosts strike as much fear into the hearts of workforce management practitioners as does the specter of a costly worker misclassification audit by the IRS, DOL or state. We have all read the gruesome tales of multi-million-dollar judgments against FedEx, Microsoft, Uber and other top-tier businesses. But this is a problem that can haunt mid-market organizations just as frighteningly as the big guys. State after state has recently announced the deployment of new efforts to rein in rampant IC misclassification abuses and improved linkages/information sharing with the feds. Here are some of the latest.
Topics: Blog, Compliance Services, Risk Management, Workforce Management, Independent contractors
After M&A Spike, How Compliant is the Healthcare Workforce?
Jun 9, 2017 10:38:50 AM
In 2015 and 2016, the healthcare industry saw an unprecedented spike in mergers and acquisitions. With ever-tightening profit margins, healthcare companies are consolidating to gain greater economies of scale and increase purchasing power. So far this year, the record-breaking trend has continued with high profile mergers between large organizations like Baptist Memorial Healthcare and Mississippi Baptist Health, which merged to create one of the county's largest nonprofits. Cardinal Health bought Medtronic's Patient Care, Deep Vein Thrombosis and nutritional insufficiency businesses for $2.1 billion. OptumCare acquired Surgical Care Affiliates for an eye-popping $2.3 billion. While all this healthcare M&A activity may be good for the bottom line, it also opens the door to risks that could put these savings and efficiencies at considerable risk.
Topics: Blog, Compliance Services, Healthcare
Is Your Manufacturing Plant at Risk for a DOL Audit?
May 9, 2017 11:21:22 AM
Growth in the utilization of temporary labor in manufacturing comes with a corresponding increase in risk for audit by the Department of Labor. Is your plant at risk for a DOL audit? If so, what can you do to protect your organization?
Topics: Blog, Compliance Services
Employee Recognition – The Gift That Keeps on Giving
Apr 3, 2017 12:02:04 PM
Recognition, in all of its forms, is critical to creating a strong corporate culture and sense of team chemistry within an organization. There are many different approaches to recognition – from formal corporation-wide programs – to individual conversations between a manager and employee. To follow are study results that reveal the important role that recognition plays in corporate culture along with some strategies to get you started.
Topics: Blog, Compliance Services
Contingent Workforce 101: How to Recruit and Retain Millennials
Mar 27, 2017 4:29:26 PM
Millennials are one of the largest demographic segments in the US labor pool today and the millennial demographic is ultimately overtaking Baby Boomers. A sound hiring strategy will ultimately help you best understand how to recruit and retain the millennial workforce.
Topics: Blog, Compliance Services
HR Compliance Beyond the 1099
Mar 23, 2017 12:17:44 PM
Years ago, navigating whether or not a worker could be classified as a 1099 contractor was your only concern. No doubt, it's an important question. The IRS, DOL, and other state and local agencies have investigated and fined companies for violating these rules. Keeping on the straight and narrow path with 1099 status is no longer enough.
Topics: Blog, Compliance Services
ACA Compliance for Employers Part III
Mar 9, 2017 3:46:23 PM
In 2016, the nextSource blog produced a two-part series to help organizations come to terms with the requirements and impacts of the Affordable Care Act (ACA). You can review those posts here ACA Part I and here Part II. With these perspectives refreshed in your mind, continue reading below for Part III of the series. This past week, Congress has finally released details on the possible replacement plan for ACA - otherwise known as Obamacare. While we acknowledge that no one yet knows if these first promised replacement details will stick, nextSource offers the following suggestions for staying flexible and resilient.
Topics: Blog, Compliance Services


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Google and Oreo Unite to Launch Android Oreo – The New Android OS
The delicious and humorous announcement of Android Oreo has been released in the United States coinciding with the solar eclipse.
Android Oreo
Android usually calls its different operating systems with names of candy or trinkets. The idea is fun and original, but if it also becomes a co-branding action that reports a few zeros to Google accounts, better than better! It already did in 2013 with Android KitKat and this year coinciding with the solar eclipse arrives Android Oreo.
Of course, the new Android operating system has been announced at the top. True to its fun and casual style. But with an epic-comic tone, Android Oreo has taken advantage of the event that was driving the United States crazy, the eclipse of the sun to make a nice parallel and eclipse its users with the new version 8.0 Android.
The spot shows a horde of Android robots with glasses to see the solar eclipse. It is then that they discover that the reason for the eclipse is none other than an Oreo cookie . Upon landing, this one becomes Super Android Oreo. All a bit geeky and surreal but quite horny. Super Android Oreo Deal up to milk cups for dipping cookies! Wonderful…
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Jan 26, 2018
Cherry & Walnut Brownies
Aug 25, 2017
Chocolate Cherry Ice Cream Bites
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Translator: Atlas Studios Editor: Atlas Studios
The black-robed lady was also an impressive figure in the City of Gold. Otherwise, she wouldn't have been able to ascertain that her son would become the next City Lord after the death of her husband.
She had actually returned this time to look for assistance. She would also spare no effort to entice the people that could help and assist her.
However, she had never imagined that she would actually hear such news upon returning to the City of Gold.
Her beloved son would become the disciple of this sinister old fellow with some laughable excuse, and she would become the concubine of someone she had never heard of before.
She hadn't heard the word concubine for so long, yet she would actually become one.
Upon hearing the Iron Palm Sect decree, the lady in black started fuming. However, a shiver ran down her spine when she saw the smile of that sinister old man.
The Iron Palm Sect of the Great Desert was a sect that even the Tianyunshen Dynasty dealt with carefully, as one of the 12 Sacred Celestials supported them.
The Burning Emperor!
Although the existence that lorded over the Great Desert hadn't appeared for many years, his will was the law and order in the entire Great Desert. Nobody could question it or be disobedient.
The members of the Iron Palm Sect of the Great Desert were his disciples. Although they didn't have much power and influence, nobody dared resist the will of the Iron Palm Sect within the Great Desert. If they disobeyed, their family would be destroyed.
"Sis-in-law, Blossoming Divine Palms Mr. Mu is famous for having tender feelings for the fairer sex. It would be an honor for you to stay by his side for many years!" Suhe Jinlei's eyes were gleaming with ecstasy.
The lady's trembling got stronger when she heard the name Mr. Mu. As a woman that held half the authority of the City of Gold, how could she not have heard of Mr. Mu's reputation?
Women that fell into this fellow's grasp either became insane or were turned into shells of their former themselves that would rather be dead.
How dare one have the gall to actually make her one of his subordinates? Just thinking about it made the black lady feel as though she was going crazy.
"Suhe Jinlei, this is rubbish. Our City of Gold and the Iron Palm Sect of the Great Desert aren't intertwined, so we don't have to pay attention to them," said the middle-aged man standing by Xi'er's side. At the moment, his eyes were wide open.
As a peak Man Celestial-Grade elite, this person had a reputation within the City of Gold. His master was also an Earth Celestial-Grade existence within the city.
Although he wasn't on the Earth Fiend Starlord list, he was still a tower of strength.
Suhe Jinlei had not agreed to let Xi'er become the next successor just because of Xi'er's bloodline, but also because he was supported by the master of this middle-aged man.
"He he… I was wondering who was talking big! Turns out that it's Su Longgai. Your master has already fled with only one arm left. I ought to send you on your way in a bit." Suhe Jinlei glared viciously at the middle-aged man.
There was a trace of impatience in Elder Cheng's eyes as he said, "Alright, enough talking. I will take the little brat with me. You handle the rest yourself."
"Yes, Elder Cheng!" Then, he affixed his gaze to the thousands of guards of this troupe. "All of you listen up. You should know what the Great Desert's Iron Palm Sect's main rule is."
"Those who obey live, those that oppose die!"
The surrounding area suddenly became uneasy. However, the lady in black finally remembered something and said, "Suhe Jinlei. Do not forget about the Hidden City. The Ancestral Master of the Hidden City wouldn't let you act this way."
"Hidden City? You know about the Hidden City? This is just great!" Elder Cheng chuckled. "Your Hidden City's Ancestral Master? Very good! Our sect's Ancestral Master is prepared to have a meeting with the fellow from your Hidden City. However, we have to see whether he will dare show up."
Then, Elder Cheng clapped his hands and a blond middle-aged man walked out slowly.
If the lady in black had still wanted to struggle before, her heart turned cold rapidly when that middle-aged man walked over.
Ultimately, she still said, "Big Brother, I never imagined that I would see you here."
"Stop this futile struggle, sis. This matter involves a supreme existence. Our Patriarch's instructions are that you listen to their arrangements." Although the man seemed to be in anguish, he eventually spoke resolutely.
He had no choice. His entire family, much less he alone, couldn't go against the will of that sort of supreme entity.
Although this sort of order made him furious, he had no choice but to go to the City of Gold in the Great Desert to dispel his young sister's ultimate thoughts of resistance.
Suhe Jinlei was pleased and jubilant as he watched the lady in black, who was at a loss for words.
Fortunately, he had chosen to rely on the people of the Iron Palm Sect when they had first arrived. If someone else had grasped this opportunity, then perhaps he would have been the one in a miserable state instead.
"Enough, sis-in-law. No, I should address you as Lady Mu. Stop these useless actions and return to spend your life with Mr. Mu!"
Suhe Jinlei turned to Xi'er and motioned. "Xiao Xi'er, come over!"
Xi'er might be young, but he was already very sensible. The sudden changes had made him sense that something wasn't right.
He stood by Luo Yunyang's side and unconsciously tugged on the man's hands before he started to bawl.
Elder Cheng stared at the sky. He didn't care about the grievances and grudges within the City of Gold. What he needed to do was bring the entire City of Gold under control according to his sect's arrangements.
"Are you from the Iron Palm Sect?" An indifferent voice was heard.
Elder Cheng was displeased when he heard this lazy voice because he felt that this question was disrespectful to the Iron Palm Sect.
He looked over and saw Luo Yunyang, who was standing beside Xi'er. He simply didn't have any intention of noticing this seemingly ordinary figure.
Thus, he gestured with his hands, which were behind his back. An Iron Palm sect disciple jumped out towards Luo Yunyang and blasted out a palm strike.
As he did so, a huge golden palm mark formed in the sky. This golden mark seemed as though it could punch a hole in the sky.
Peak Man Celestial Su Longgai stiffened. Without any hesitation, he brandished his sword and reacted to that palm strike.
He was at the peak of the Man Celestial, whereas the other party only had a level-five Man Celestial cultivation. However, when blade-light and palm strike collided in the sky, Su Longgai felt a surging, roiling power enter his abdomen. He instantly coughed out some blood involuntarily.
"How naive!" said the Iron Palm Sect disciple. He simply didn't care about Su Longgai. Thus, he shot out another palm strike towards Luo Yunyang.
Su Longgai had taken a hit, so no one tried to help Luo Yunyang this time. Suddenly, the lady in black said loudly, "Stop!"
Unfortunately, nobody listened to her. The golden palm strike descended heavily and smacked the ground just before Luo Yunyang. The disciple that had attacked had a savage look in his eyes. However, that look turned to fear soon.
It was a fear that welled from the depths of his heart. A trepidation that was difficult to believe. Amid this fear, his body shattered without a sound.
Elder Cheng was well-versed in his own disciple's cultivation base. Seeing this person shatter his own disciple without even lifting a finger made him realize that the man they had encountered wasn't ordinary.
"Sir, I do not know who you are, but you have to know that anyone who opposes the Iron Palm Sect of the Great Desert does not meet a good end."
"My Senior Brother, the Iron Palm Sect's sect master, Great Desert Sand Gale Yun Feiyang, who ranks 9th among the Celestial Dipper Star Lord, is already overseeing the City of Gold."
Practically everyone exhaled sharply when the words 'Great Desert Sand Gale Yun Fengang' were said. Although the exports by Lady Xie's side were mostly Sky Man-Grade, this didn't prevent them from knowing about Yun Feiyang's reputation.
Saying that the Great Desert Sand Gale was a king within the Great Desert wasn't wrong.
In no time, the way many of these people looked at Lady Xie changed. They no longer felt that there was any hope left for Lady Xie.
Although Lady Xie was unresigned, her eyes started to fill with despair when she heard about the Great Desert Sand Gale.
She knew that things had already reached the point of no return. However, no matter how unhappy she was, she could either obey or die.
It would also be best for Mr. Luo if he didn't oppose the Iron Palm Sect. Otherwise, it would be difficult for him to escape.
Just as Lady Xie's mind became a muddled chaos of thoughts, she heard Luo Yunyang say, "Yun Feiyang's 9th rank among the Celestial Dipper Starlords is a gross overstatement. Given the little ability he possesses, he shouldn't even be amongst the top 20."
These words sounded like a senior's opinion for a junior. Elder Cheng's expression turned very ugly when he heard this.
He knew that, given that so many people were there, these words would definitely reach the sect. The moment it was known that he hadn't done anything to this crazy fellow, Elder Cheng would have to forget about staying in the sect.
"F*cker, you are asking for it!" Elder Cheng moved his palm and a golden palm shining as intensely as the sun barreled towards Luo Yunyang heavily. This palm contained the immense power of laws.
Luo Yunyang only waved his sleeves gently, yet that extremely overbearing attack crumbled right away.
Elder Cheng was sent flying too.
"Sir, our Great Desert's Iron Palm Sect wouldn't let this matter end just like this!" Elder Cheng bellowed as he lay on the ground with a grimace. This was the first time he had been humiliated this way.
"Indeed, you are right. This matter isn't over!" Luo Yunyang said icily. "The Iron Palm Sect has to give me an explanation!"
"I heard that somebody wants the Iron Palm Sect to give an explanation." A furious gale seemed to pick up as these frosty words were heard.
While this gale revolved, a majestic figure appeared in the sky.


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September 12, 2016
The New Zealand Black Fins have completed a hat-trick of world lifesaving titles.
The Kiwis collected their third consecutive title in the Netherlands on Monday (NZ time).
Another eight medals on the final day of Rescue 2016 contributed to an already successful campaign...
July 11, 2016
Congratulations to Alaynah Bettany - 2016 WHiPA Lloyd Morrison Aquatics Athlete scholarship recipient!
Alaynah is 15 years old and attends St Catherine's college. She has belonged to Lyall Bay Surf Life Saving Club since she was 6 years old when her mother made her join...
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The 16 ha campus is to eventually include a number of office buildings, a truck service centre and a 4,000 sqm shopping and centre. The company is to invest around EUR 60 mln in the project. Girteka has appointed Sirin Development to develop the project.
"Moving to a new home will symbolically mark our 25th anniversary. A quarter of a century ago we started with a single truck and three employees. Now, our organisation has developed into one of Europe's leading carriers. We are very pleased that our large team will soon be able to work together in one place," says Edvardas Liachovičius, the CEO of Girteka Logistics.
Girteka Campus is to be built next to Vilnius airport, at the intersection of Liepkalnio and Sodybų streets. The 16 ha site will include 26,000 sqm of offices. Around 2,500 people are to be employed at the company's new headquarters, many of whom are currently based in different locations around Vilnius.
Construction work will begin in the spring of 2020, and the company is to move in in the summer of 2021.
Austrian-based ATP Architects is responsible for the design, having been appointed after winning an international architectural competition.


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- Operational Excellence (Lean Six Sigma) Project Manager needed for 12 month contract in Hong Kong.
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- This a 12 month contract with 100% utilization.
- Degree essential - MBA preferred
|Location: Hong Kong
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|Contract Type: Contract
|Industry: Disciplines, Sectors, Operations and Technology Management, People, Process and Technology Change Management, Strategic Management, Leadership and Growth , Financial Services
|Contact Name: Rupert Haffenden
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Rupert Haffenden
Sales Manager - Interim/Contract Division
- Email: firstname.lastname@example.com
- Phone: +44 (0) 207 478 7730
- @PacificHaff
- LinkedIn Profile
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EXECUTIVE SUMMARYDistribution of HNWI Investments The total Assets under management for wealth sector (Mutual Fund, Fixed Income, and Equity) in India is expected to grow at around 33% YoY from 7 5 USD 220 billion in 2010 to over USD 500 billion by 2013. 100% 7 7 10 Indias individual wealth is predicated that it will almost double from the 12 23 22 existing USD 1.59 trillion to USD 3.18 trillion in the next three years that 50% 26 25 will probably grow at 26% compounded annual rate, whereas the market size for individual wealth management in China was USD 350 billion and 29 27 0% is expected to reach USD 700 billion by 2014. 2009 2010 The individual HNI wealth across the globe is estimated to grow from USD Luxury Collectibles Art Collections 39 trillion in 2010 to USD 48.5 trillion by 2013 at a growth rate of 5.6%, Jewelry, Gems & Watches Other Collectibles Sports Investments Miscellaneous which indicates that the Individual wealth in India which grows at 26% compounded annual rate is expected to grow at more than four times the Source: CapGemini world rate. Due to overall macro-economic growth and strong recovery in stock The wealth management market in market, Indias high net worth individual population grew to over 130,800 India will have a target size of 42 in 2010 and is estimated that it will increase to over 174,095 by 2013. million households by 2012, as The fact that affluent wealth is growing at a rate of 17.6% compounded against 13 million in 2007. annually is attracting both foreign wealth managers to set up business and Over the next four-five years, the domestic banks to set up wealth management businesses. revenue from wealth management The individual HNI wealth across the globe is estimated to grow from USD services is expected to contribute to 39 trillion in 2010 to USD 48.5 trillion by 2013 at a growth rate of 5.6%, over one third of full-service financial which indicates that the Individual wealth in India which grows at 26% institutions. compounded annual rate is expected to grow at more than four times the world rate. HNI Wealth across the Globe (USD trillion) HNWI Wealth (USD trillion)60 60 50 40 20 0 2008 2009 2010 Africa Middle East Latin America Source: CapGemini 2011E Asia-Pacific 2012E 2013E Europe North America 40 30 20 10 0 2010 2011E 2012E 2013E
Northbridge Capital is an Investment Bank (Category | Merchant Bank) regulated by SEBI SEBI Registration: INM00001150Copyright 2011. Northbridge Capital. All Rights Reserved .
NORTHBRIDGE CAPITALAsia Investment Banking Research
8 9
11 26 27
WEALTH MARKETNumber of Billionaires around the World Number of Billionaires in Asia
64 49
25 22
18 11 10 10 9 7 5 4 4 4 3 2 1 1
United States
United Kingdom
Hong Kong
0 China India Hong Kong Japan Taiwan South Korea Saudi Arabia Israel Malaysia Indonesia Kazakhstan Lebanon Singapore U.A.E Thailand Philippines Kuwait Pakistan The individual wealth in India will almost double in the next three years. It is estimated to grow from present USD 1.59 trillion to USD 3.18 trillion by 20122013.
Mukesh Ambani, Lakshmi Mittal, Azim Premji, Anil Ambani, Shashi & Ravi Ruia, Savitri Jindal, Kushal Pal Singh, Kumar Birla, Sunil Mittal and Anil Agarwal these are the top ten billionaires of India.
3.18 2.52 2
2 1.5 1 0.5 0
Investment in direct equity of individual wealth in India amounts to over USD 494,140 million. Investment in fixed deposits & bonds of individual wealth in India amounts to over USD 481,806 million. Investment in insurance of individual wealth in India amounts to over USD 227,423 million. Investment in savings bank deposits of individual wealth in India amounts to over USD 146,768 million. Investment in small savings of individual wealth in India amounts to over USD 112,861 million. Investment in provident fund of individual wealth in India amounts to over USD 61,209 million. Investment in mutual funds of individual wealth in India amounts to over USD 60,425 million. Investment in alternative assets of individual wealth in India amounts to USD 4,038 million.
Key Asset-wise breakup of Individual wealth in India (%) We can see a shift towards the equity based asset classes which are expected to form 42.9% of individual wealth by 2012-2013 as against 33.9% in 2009-2010. The investment in debt is expected to increase by 20 % year-on-year in volume terms, its overall proportion is likely to reduce from the present 65.8% of individual wealth in India to 56.1% by 2012-2013. Individuals in India are under invested in alternative assets with just 0.3% of Indias wealth presently in alternative assets as compared to 7% to the globe.100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 20102011E 20112012E 20122013E 20092010
Source: KPW
Breakdown of HNWI Financial Assets (%) As the economic conditions are improving, the profile of HNWI portfolios is likely to shift upward. HNWIs investment in equities is expected to rise from 29% in 2009 to over 35% in 2011. It is also expected that fixed-income holdings will increase slightly, as investors will move some of their increased allocations and short term deposits back into long-term, higheryielding investments. HNWIs investment in cash/deposits is expected to increase from 17% in 2009 to around 19% by 2013. HNWIs investment in real estate is expected to decline to 14% by 2013 as against 17% in 2009.
120 100 80
6 18 17
7 16 16 30 312010
8 14 13 31
9 14 13 32
7 15 14 35
60 40 20 0 2009
31 29
Source: CapGemini
Number of wealthy people having more than USD 1 million of financial assets180000
Wealth management industry currently registers a 30 % plus growth rate. The number of people with more than USD 1 million of financial assets is estimated to double from 84,000 in 2008 to over 166,793 by 2013. By 2012, the countrys wealth management market is expected to be USD 1 trillion, with approximately 42 million households by 2012, as against USD 13 million in 2007.
160000 140000 120000 100000 80000 60000 40000 20000 0 2008 2009 2010
The above figure shows the different segments of Indian customers for the wealth management providers. Based on their investible surplus funds, they can be divided into six segments as given below: Investible Surplus Ultra High Net worth = in excess of USD 30 million Super High Net worth = between USD 10 and USD 30 million High Net worth = between USD 1 and USD 10 million Super Affluent = between USD 1,25,000 and USD 1 million Mass Affluent = between USD 25,000 and USD 1,25,000 Mass Market = between USD 5,000 and USD 25,000 Segments of HNWIs in India by 2012400,000 300,000 200,000 100,000 0 Ultra HNWI Super HNWI HNWI Super Affulent
Objective Setting
Asset Allocation
WEALTH MANAGEMENT RANGE Student Liquidity Management (Cash Management) Start of Career Career Established Premium A/C Platinum Card Retirement Premium A/C Platium Card
Deposit based Comfort A/C comfort A/C with credit limit Credit Cards Gold Card Overnight money A/C Money Market & Fixed Income Fund Near Money Market Fund ZINS Plus Top Portfolio Flagship Portfolio Titan Portfolio
Overnight money A/C Money Market & Fixed Income Fund Near Money Market Fund ZINS Plus Top Portfolio Flagship Portfolio Titan Portfolio
Top Portfolio Flagship Portfolio Titan Portfolio Capital formation benefit funds
Absolute return Portfolio Holding & Private Equities Modular Wealth Management Individual Wealth Management Premium Portfolio Titan Portfolio
502500 400 300
200 100 0
The total assets under wealth management in India are expected to grow at around 33 per cent YoY from USD 165 billion in 2009 to over USD 500 billion in 2013.
17% 61%
Based on the most active regions in India, the western region dominates with 61 per cent of the investment activity. Northern region a distant second with 17 per cent while the eastern region is the least active with only 6 per cent.
REGULATIONRegistration: No person shall act as portfolio manager unless he holds a certificate granted by the Board (SEBI). An application by a portfolio manager for the grant of a certificate shall be made to the Board and shall be accompanied by a non-refundable application fee. Registration Fees: Every portfolio manager shall pay a non-refundable fee of USD 2174 (INR one lakh) along with the application for grant or renewal of certificate of registration. Every portfolio manager shall pay a sum of USD 21740 (INR ten lakh) as registration fees at the time of the grant of certificate by the Board. Every portfolio manager shall pay a renewal fee of USD 1087(INR five lakh) upon grant of renewal. The following criterion has to be met for registration: The applicant is a body corporate; The applicant has the necessary infrastructure such as adequate office space, equipments and the manpower to effectively discharge the activities of a portfolio manager The principal officer of the applicant has either A professional qualification in finance, law, accountancy or business management from a university or an institution recognized by the Central Government or any State Government or a foreign university; Or An experience of at least ten years in related activities in the securities market as a portfolio manager, stock broker or as a fund manager. The applicant has in its employment minimum of two persons who, between them, have at least five years experience in related activities in portfolio management or stock broking or investment management or in the areas related to fund management; The capital adequacy requirement shall not be less than the Networth of USD 4.35million( INR two crore) Minimum portfolio size: For an investor to avail PWM services, the minimum portfolio size should be Rs.1million. An investor can also open a PWM account by transferring his existing portfolio of stocks or mutual funds.
Fees to be charged: The SEBI (Portfolio Managers) Regulations, 1993, have not prescribed any scale of fee to be charged by the portfolio manager to its clients. However, the regulations provide that the portfolio manager shall charge a fee as per the agreement with the client for rendering portfolio management services. The fee so charged may be a fixed amount or a return based fee or a combination of both. The portfolio manager shall take specific prior permission from the client for charging such fees for each activity for which service is rendered by him directly or indirectly (where such service is outsourced). The Board on being satisfied that the applicant fulfils the requirements specified above shall send intimation to the applicant and on receipt of the payment of registration fees grant a certificate.
KEY PLAYERSAditya Birla Money Mart LtdDate of Inception Assets Under Management Number of Clients Distributors Product & Services 1999 USD 100 million Over 260,000 Multiple Distribution Mutual Fund, PMS, Direct Equity, Structured Products, Alternate Asset Products, Real Estate, Loan against Securities & Mutual Funds, Gold, Life Insurance, Wealth Management Description Aditya Birla Group enjoys a leadership position in all the sectors in which it operates and its operations span 25 countries across six continents. Aditya Birla Money Mart is having presence through its 37 branches and through a network of 7,000 business associates across more than 100 centres. The company caters to the corporate and institutional segment, wealth management.
198200 150 100 50 0 2009
Commodities, Wealth management, Asset management, Insurance, Fixed deposits, Loans, Investment Banking, GoId bonds and other small savings instruments.
159.78 138.95
Reliance MoneyDate of Inception Assets Under Management Number of Clients Distributors Product & Services 2008 USD 800 million Over 16,870 Multiple Distributers Wealth Management, Equities, Commodities, Mutual Fund, IPO Investment, Equity-linked PMS, Insurance, Structured Products Description Reliance Securities is the broking arm of Reliance Capital. It provides access to equities, equity option and commodities futures, wealth management, wealth management services, mutual funds, IPO, offshore investments and investment banking. It has presence with over 6,100 outlets.
RECENT DEALSAtlanta based Wealth Management Company Reliance Financial Corporation announced that its subsidiary Reliance Trust Company had acquired Harrington Wealth Management Company which is a provider of trust and investment management services to individuals and institutional clients.
Karvy Private Wealth acquired the wealth management business of iTrust Financial Advisors with operations in Delhi, Bangalore and Hyderabad. It has acquired the entire business and assets of iTrust.
Future Capital Holding is to exit from its two joint venture companies i.e. Centrum Capital- FCH Centrum Direct Ltd and FCH Centrum Wealth Managers Ltd. It wants to do solely into retail finance, broking and wealth management. Standard Chartered Bank acquired the remaining 25.1% stake in Standard Chartered-STCI capital Markets from Stock trading Corporation. STCI Capital Market currently offers retail & institutional broking, wealth management products and investment banking services. Tata Capital is planning to raise USD 1 billion for its private equity. It has also started its international fund raising process. Its wealth management business is developing and is planning to foray into the securities broking business. Qatars largest investment bank will buy 25% stake in Mumbai -based Ambit group. This will help Ambit to expand its investment banking, advisory and private wealth businesses.
ABOUT RESEARCHNorthbridge Capitals Research team generates Sector and Company research for Indian companies. Should you wish to request a specific research report, please contact Monali Doshi at firstname.lastname@example.com Northbridge Capitals Research team also published several periodic updates of relevance to foreign and Indian companies including M&A activity, Debt and IPO issuance etc Research reports on sectors, stocks are also available to clients online and can be accessed at www.northbridgeasia.com
CONTACT INFORMATIONINDIA OFFICE Monali Doshi Email: firstname.lastname@example.com Tel: +91-22-22901715 Fax: +91-22-42643612 Northbridge Capital Ltd R-501, Remi Bizcourt Shah Industrial Area Off Veera Desai Road Andheri (West), Mumbai 400 053, India Website: http://www.northbridgeasia.com HONG KONG OFFICE Sam Farrimond Email: firstname.lastname@example.com Tel: +852-28628053 Fax: +852-22909154 Northbridge Partners (Asia) Ltd 22/F, 3 Lockhart Road Wanchai, Hong Kong
DISCLAIMER- This information is for Institutional Investors and Northbridge Capital clients only. It is not meant for public circulation No transmission of this information in any form or medium is allowed without the written authorization of Northbridge Capital - This is not a solicitation to buy or sell any security in any jurisdiction. - The exchange rate of INR/$ is taken as Rs. 45/$.