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Cost: $48 per person.
Cost: $48 per person.
== Adventure ==
== Adventure ==
Latest revision as of 12:10, 24 June 2008
- 1 Anaheim Tours
- 2 Adventure
Anaheim Tours
Tours are provided by ACCENT on Arrangements. Advance registration is suggested – onsite
registration will only be available on a space-available basis. To check on tour availability and
to register for tours, go to the Tour Booth in the Anaheim Convention Center Registration Lobby.
ACCENT accepts MasterCard, Visa, and American Express checks or money order for registration.
All tours are limited in size, and may not be available for purchase onsite.
Tickets for all tours must be picked up at least 30 minutes prior to tour time at the ALA Tour
desk located in the Anaheim Convention Center. The desk will be open Thursday, June 26,
1:00-5:00 pm, Friday, June 27 - Monday, June 30, 8:00 am – 5:00 pm, and Tuesday, July 1,
8:00 – 9:30 am. Meeting locations for the tours will be available when you pickup your tickets.
Note: You must bring your ticket(s) with you for admission to each tour. See tour descriptions below.
Discover the California Riviera
Friday, June 27, 10:00 am – 3:00 pm
Made famous by television's "O.C.," you will have the opportunity to experience the rich history and local culture of this lovely southern California coastal area. Visit the birthplace of Orange County, Mission San Juan Capistrano, founded more than 200 years ago followed by a tour of Laguna Beach. Enjoy a docent led tour of the Mission then, embark on a unique historic walking tour of the picturesque Los Rios District, the oldest neighborhood in California. Next, take a scenic drive to the beautiful coastal town of Laguna Beach. Since the early 1900s, Laguna Beach has enjoyed a reputation as a haven for arts and crafts. Time is allotted to enjoy lunch on your own at one of the many quaint café's located in Laguna Beach. Walking: Moderate. Cost: $60.00 Per Person
Nixon Library Tour
Friday, June 27 OR Sunday, June 29, 1:00 – 5:00 pm
The late Richard Nixon will forever hold a significant place in history as a powerful dignitary who forged the pages of time through political and personal challenges. Guests have an opportunity to learn much more about this multi-faceted personality during a tour of this museum dedicated to his life. Featuring nine acres of magnificent gardens, fascinating galleries, archives and Richard Nixon's faithfully restored place of birth, the Richard Nixon Library & Birthplace is intriguing for everyone. Permanent galleries include the Road to the Presidency, The Vice Presidency, World Leaders, Structure of Peace Gallery, Berlin Wall Freedom Presentation, The Ambassador of Goodwill, AREA 37: Richard Nixon and the History of America in Space, The Lincoln Sitting Room, The Watergate Gallery and more. Guests will have the opportunity to explore the collection at their leisure and ask questions of the many well-informed docents stationed throughout the galleries. Walking: Moderate. Cost: $56 per person.
Hollywood at Night
Friday, June 27 OR Sunday, June 29, 6:30 – 10:30 pm
The Hollywood Behind-the-Scenes Tour visits all the famous (and infamous) landmarks in Hollywood and is a delight for anyone fascinated with Hollywood history, architecture and lore. You will see many of Hollywood's most famous landmarks including Grauman's Chinese Theatre, the Walk of Fame and the Hollywood Sign. You will also see many great but lesser known landmarks such as the El Capitan Theatre (Disney's premiere theatre), Grauman's Egyptian Theatre (where the movie premiere was born), the Blossom Room in the Roosevelt Hotel (site of the first Academy Awards ceremony) and the only fully intact "speakeasy" in Los Angeles. The unique "live-audio" system allows customers to hear the tour guide even over the most extreme city noise. Time is allotted to enjoy dinner on your own at the Highlands (not included). Walking: Extensive. Cost: $74 per person.
Inside Historic Downtown LA
Saturday, June 28, 9:00 am – 1:00 pm
This tour explores a cityscape virtually unchanged since the golden era of Hollywood. You won't believe all the historic, cultural and architectural treasures that are waiting to be discovered. In the heart of Downtown's "Historic District" is the "Broadway Historic Theatre District" - the largest historic theatre district in the United States. Your guide will lead you through 1930's Los Angeles as we voyage INSIDE such world-class buildings as Grand Central Market (a European style food hall), the opulent ballrooms of the Biltmore Hotel, Central Library, Clifton's Cafeteria (an inspiration for Disneyland), the Art Deco landmark, Edison and Title Guarantee Buildings and the extraordinarily beautiful Bradbury Building. Because downtown Los Angeles also has the largest concentration of historic pre-WWII architecture in America it is often used as a movie "back lot" for turn-of-the-century New York or Chicago. The unique "live-audio" system allows customers to hear the tour guide even over the most extreme city noise. Walking: Extensive. Cost: $64 per person.
Laguna Beach Art Walk
Saturday, June 28, 10:00 am – 2:00 pm OR Monday, June 30, 6:00 pm – 10:00 pm
Laguna Beach got its beginnings when artists flocked to the seaside village for its inspirational ocean settings. A city that first developed as an artists' colony in the early 1900's has now flourished into a city that attracts millions of visitors each year to its studios, galleries and boutiques. Set against beautiful scenery and relaxing ocean breezes, a Laguna art expert takes guests on a customized Art Walk tour explaining the history of the area, exploring galleries and meeting with Laguna Beach artists. Learn more about the art scene and local landmarks while experiencing first hand the creativity and artisan skill that has now come to define Laguna Beach. Look into the creative world of one local artist with a private tour of their gallery and studio. Take an opportunity to not only discuss the artwork, but to also see a demonstration not normally open to the public. The Art Walk tour concludes at Laguna's Gallery Row where artwork from all genres and styles are on display and for sale. Explore the quaint specialty shops and boutiques that offer shopping with an ocean view. Time is allotted to dine on your own at one of Laguna Beach's quaint cafés (not included). Walking: Extensive. Cost: $58 per person.
J. Paul Getty Museum
Sunday, June 29, 9:30 am – 3:30 pm
The J. Paul Getty Museum's goal is to make its collection meaningful and attractive to a broad audience by presenting and interpreting the collection through educational programs, special exhibitions, publications, conservation, and research. The Getty Center presents the Getty's collection of Western art from the Middle Ages to the present against a backdrop of dramatic architecture, tranquil gardens, and breathtaking views. Enjoy the J. Paul Getty Museum's collection of European drawings, paintings, illuminated manuscripts, sculpture, and decorative arts and American and European photographs from the 19th century to the present, as well as selections from the special collections of the Research Library at the Getty Research Institute. Time is allotted to enjoy lunch on your own in the Museum's café (not included). Walking: Moderate. Cost: $48 per person.
Aquarium of the Pacific and Shoreline Strolling
Monday, June 30, 9:30 am - 2:30 pm
Instilling a sense of wonder, respect and stewardship for the Pacific Ocean and its inhabitants, the Aquarium of the Pacific provides a unique opportunity to explore the diversity of the marine habitats of the Pacific Rim in a world-class aquarium environment. Stroll through three major exhibit galleries, including the temperate coastal waters of Southern California and Baja, the frigid ice-laden waters of the North Pacific, and the brilliant coral communities of the tropical Pacific. View seals and sea lions from both underwater and above water perspectives in the Southern California Gallery. The Northern Pacific Gallery showcases sea otters frolicking and diving birds nesting. Giant octopuses, bright sea stars, schooling fish and huge Japanese spider crabs lurk in these waters. The Tropical Pacific Gallery lands guests in the warmest waters of the Pacific, where a Palauan lagoon will abound with colorful creatures. With all its underwater creatures, the Aquarium of the Pacific is guaranteed to make a splash! After your time at the Aquarium, enjoy strolling and shopping at Shoreline Village, located in the harbor next to the Aquarium, accompanied by a knowledgeable tour guide. The New England style architecture with colorful buildings charms guests as they enjoy a variety of specialty shops carrying the world's largest selection of fashionable hats, stylish sunglasses, Long Beach souvenirs and tee shirts, hand cut soaps, and more! Walking: Moderate. Cost: $62 per person.
Behind the Scenes of the Queen Mary
Monday, June 30, 1:00 pm - 4:30 pm
Come aboard the legendary Queen Mary located in scenic Long Beach California. Take a Behind the Scenes Guided Tour of this historic ocean liner and World War II troopship. See restored areas that have been under wraps since the final voyage in 1967, including the Isolation Wards and the aft Machine Rooms. The ship offers more than 80,000 square feet of space in 14 remarkable Art Deco salons, each uniquely decorated with warm wood paneling, highlighted by original paintings and largerthan- life murals, brass and nickel-silver fixtures and etched leaded glass accents. Walking: Moderate. Cost: $55 per person.
Santa Monica Pier
Tuesday, July 1, 9:00 am - 2:00 pm
At the core of Santa Monica is the city's landmark attraction, Santa Monica Pier. Featured in numerous television shows and films, the pier offers shops, restaurants, the largest Ferris wheel on the West Coast, and the world-famous Santa Monica Carousel. A short walking distance from the Pier is Third Street Promenade, the Downtown Shopping district where everything is presented, from designer doorknobs and home gadgets, to velvet pillows and tableware that's almost too beautiful to use. There are shoe shops galore, cuttingedge outdoor and action-wear sellers, side by side with leather shops and jewelry stores. Walking: Extensive. Cost: $36 per person.
There are adventure tours in and around Anaheim for attendees:
Air Combat USA http://www.aircombatusa.com/
Boat Tours & Harbor Cruises http://www.anaheimtours.us/tours/tourType.cfm?ttid2=3304
Equestrian - Stables http://www.ranchodelriostable.com/
Wineries Take a break from conference, and walk among the rows of grapevines
Esotouric presents Raymond Chandler's Los Angeles bus tour, July 1 noon-7pm, tour price of $125 includes fixed price luncheon at Musso & Frank Grill http://www.esotouric.com/librarians-7-1-08


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Invicta Men's 0516 Reserve Quartz 3 Hand Black Dial Watch
The exceptional taste and distinguished palette of the connoisseur will discover timeless pleasure within the Invicta Reserve collection. Specially developed for those in the know, Reserve is a reinvention of the superb to create the ultimate in horological finery. These timepieces represent a pinnacle in superiority for the discerning aficionado.
- Gender: Men
- Dial Color: Blue
- Band Color: Black
- Band Material: Stainless Steel
- Case Type: Stainless Steel
- Case Tone: Black
- Case Diameter: 49.50
- Strap Size: 26mm
- Clasp Type: Fold over clasp with Double Push Button Safety
- Crown Type: Screw Down
- Water Resistant: 200m
- Movement Caliber: 3 Hand

subset: commoncrawl


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If anyone's been in business long enough –which in this day and age is about ten seconds– they've heard that for any success in business, you must get on Facebook!
Or Twitter.
Knowing that it's a great idea, and that with 500 million active users and counting, it's where your audience most likely is. Twitter has over 190 million users Tweeting 65 million times a day.
Boosted by these numbers, knowing that odds are some of them are going to find their way back to your website, you set up an account with Twitter for your business and a fan page on Facebook.
Now what?
Well, if you read even a little, you'll get bombarded with advice that you can't afford to overlook StumbleUpon, Digg, Squidoo, and oh! You're a business owner and you're not on LinkedIn? What?
All those tools and applications and websites are collectively called "social media." There are tons of communities, and you soon realize you simply can't use them all.
This is where most business owners give up, and they disappear from Facebook, Twitter, StumbleUpon, LinkedIn, and all the rest, and then shake their heads when anyone tries to mention "social media" ever again.
It can be confusing, and if you try to make a go of everything at once –which for some reason is the most common advice– you'll end up going nowhere fast.
That is why I went to the experts: I interviewed several small business owners who had utilized social media with great effect and fantastic results, and asked them what their secrets were. I had begun with the intention of writing a single article, but what those business owners taught me was that there was just so many possibilities and creativity that, even just using a few basic social media venues –like Facebook and Twitter– they created massive results.
So in this social media series, I'll show you a few small businesses which, using only a few tools, created massive results for their business.
For example, Goosie Girl from Goosie Girl Boutique even increased her order load by 300%! This meant she went from a one-woman show to needing five employees just to help her fill the orders coming in.
The first person I interviewed was Lindsey with Evil Controllers.com, a small company in Tempe, AZ which customizes gaming controllers for Xbox and PS3 systems. They handle many different areas of controller design from hardware mods for function and ease of use, to more aesthetic aspects. This is a really great niche for the members of the gaming community with disabilities or impairments which make using the two-handed controller difficult or impossible.
They've even "modded" one controller called a "6 Switch" for one of their customers, "Nomad," who is a quadriplegic. He plays his games using his chin, cheek, and mouth. This is made possible by Evil Controllers.
Which venues of social media do you use, and what would you consider your most powerful methods of utilizing them?
Well, we use Facebook and Twitter, and we utilize HootSuite to manage everything. We have one person dedicated to nothing but Facebook at all times. She answers every message we receive, whether it's a question, comment, or just mentions us. We do it because it's fun, and it gives us a voice. It's the most personal way to connect with people.
We're not corporate or sales-y at all; our tone is always casual, like talking with a friend. And that's what we found. People who are using social media are there to connect with their friends.
Do you have other tools you use, or methods for getting your name out there besides the traditional ads?
We have a blog, too. And lots of times we won't even post about Evil Controllers; we'll post about other topics our customers are into. One of our posts recently was just, "Happy Groundhog's Day, everyone!" So it's more about being a friend and connecting on a personal level than about marketing to them or trying to make a sale right then.
What are some of the lessons you learned regarding social media?
Everything is right there if you know how to look for it. We recently ran a search on Twitter using keywords that were important to us, just to see what people were saying. This way, we were able to see questions people had, too. For example, for Valentine's Day, one person was wondering what to get his girlfriend, and used keywords that had to do with our product. So one member of our team sent him a message recommending one of our products, and Tweeted that out to everyone. It works all the time!
In looking up Evil Controllers further, I found they were also big fans of using video as a tool to engage their customers. They recently had a contest, recorded the drawing and posted it on their site. It was a partnered contest with another company, so both sites were able to share their exposure by networking.
And isn't that what social media's all about? Networking?
Heather with Goosie Girl Boutique, a craft shop for photography props, costumes, tutus, and boutique accessories, links her pages on MySpace, Facebook, and Twitter via Networked Blogs, a web-based application which integrates your accounts so when you make a post to your blog, it automatically posts to your Facebook and Twitter feeds with no extra work from you.
How do you use social media for your business?
I share news about upcoming sales, promotions & specials with my fans, but I do much more~ I really try to build a "warm" and "friendly" environment among my followers, I'm very authentic and share music I'm listening to, poetry and quotes that inspire me, business tips, etc.
Occasionally I will host a "flash sale" utilizing a photo album, and post photos of items which are ready to ship and on sale, I tell followers to post a comment and their Paypal address if they'd like to purchase it and many times the items sell within minutes!
What's the biggest thing you have learned by using social media?
I have learned to comment back when people compliment my status updates on Facebook, the interaction between the business owner and potential customers whom like your page really helps to build the personal relationship. I try to make it as personal as I can, and try to share news & announcements about exciting things that are happening as my business experiences steady growth.
Marketing Takeaway
Facebook and Twitter are the two most popular social media venues for a reason; they give your business high visibility, the largest audience available, and the most opportunity for connecting with your audience on a personal level. Every single interview had one thing in common: they connected with their customers not as customers, but as people. They responded to every message and Tweet they received; they gave shout-outs to users in their videos; they actively sought out people to answer their questions and solve their problems. It never took more than a few moments to do this. Some companies outsource a social media person and that's their dedicated job, while others devote maybe ten minutes three times a day.
It doesn't have to take forever. It doesn't have to be expensive. It's not rocket science.
It's social science.


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Protesters smash window at Obama's Oakland office
OAKLAND, Calif. (AP) -- Police say protesters marching through downtown Oakland smashed a window at President Barack Obama's campaign office.
Officials say the window at Obama's office at 16th Street and Telegraph Avenue was broken as more than 100 protesters marched around 9 p.m. Friday.
Police say the marchers also smashed several car windows.


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NC attorney general to appeal ruling in Jason Young case
The N.C. Attorney General's Office is planning to ask the state's highest court to review the Jason Young case.
The decision comes one day after the state Court of Appeals ruled that a judge shouldn't have allowed evidence about a wrongful death lawsuit and a custody challenge for Young's daughter.
Though the Attorney General's Office had weeks to decide whether to ask the N.C. Supreme Court to review the appeals court ruling, spokeswoman Noelle Talley said Wednesday that decision had already been made.
Young is serving a life sentence for the murder of his wife, Michelle. She was five months' pregnant when her sister found her body Nov. 3, 2006, in the Youngs' bedroom. Their then 2-year-old daughter, Cassidy, also was in the bedroom with her mother's body.


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About Bob Browne
Bob Browne is chief investment officer at
Browne joined the firm in 2009 as CIO. Previously Browne was
Before that, Browne was the founder and managing partner of Picador Capital, an alternative investment firm. Browne has also previously worked as co-head of Americas fixed income for Merrill Lynch Investments and senior portfolio manager.
Browne has a bachelor's in economics from the College of the Holy Cross. He also has a master's degree in international business studies from the University of South Carolina.
Debriefing Bob Browne
Interview conducted by Alexandra Zendrian, July 12, 2010
Forbes: In February you told John Dobosz in a video interview on Forbes.com that Northern Trust liked high-yield assets and commodities. Is that still your position and if not, what are some asset classes that Northern Trust prefers now?
Bob Browne: We continue to recommend overweight positions in high-yield bonds due to attractive spreads, strong corporate balance sheets and a slowing but still reasonably steady state economic background for the U.S. over the next year.
We have reduced our previously recommended overweight position in commodities to neutral (same as benchmark or strategic asset allocation weights). We made this change in May when uncertainty in Europe and the subsequent potential for further credit contraction lead us to reduce our overall risk positions. Our concerns about the slowdown in China and disappointing returns from commodities (except for gold) thus far in 2010 caused us to reduce the most sensitive risk position.
Longer term, we do believe that there are many positive secular forces in place for commodities, and it is important to note that we only reduced positions to neutral, not underweight.
Can you explain the new risk reporting tool?
The integrated reporting dashboard is appropriate for institutional clients, such as pension funds, insurance companies, and foundations and endowments, as well as some ultra-high-net-worth clients and large fund managers.
What should be done in the markets to better mitigate risk?
We strongly believe in the merits of diversification and a full integration of scenario analysis into the investment decision-making process. Under what scenario does my portfolio do poorly across the board? What attributes and risk exposures are driving most of my performance? What assets or strategies can I introduce to mitigate these most risky scenarios?
We also believe clients need to focus on the role each asset class plays in a diversified portfolio. If the main purpose of cash is to provide liquidity and meet immediate liabilities, should I really focus on a few basis points in yield difference? If the main purpose of my bond portfolio is to provide steady income and a high probability of principal preservation, should I pick bond strategies which are very risky and yet only provide moderate incremental return? Is my basket of risky assets, used to drive long term capital appreciation, creating unnecessary taxable events? Is most of my risky asset basket coming from low cost beta (market return) or high cost alpha strategies? Am I really getting the alpha net of costs and taxes?
Framing investment risks in terms of the role of each asset class and how asset classes can and should perform in a wide range of scenarios is the foundation of a sound strategy. Clients need to think of both short-term and long-term goals and needs to properly assess their risk exposures. Integrating a view of market risks with employment risk, health risk and lifestyle risks is critical. Always make sure you have something in your portfolio maintaining or increasing in value even in the most dire circumstances.
There was a recent economic report on Northern Trust's site about Greece, Portugal and Spain being the least of our economic/financial challenges. What do you think are some of our biggest financial and economic challenges now?
That report was simply stating the obvious: The so-called "PIGS" are relatively small contributors to global GDP. Europe in total, however, is the largest economic bloc, and so we do not want to underestimate how problems in the PIGS could derail the larger European bloc. Thus far, we think the risk is contained but without doubt it is higher now than it was a year ago. Beyond Europe, our main concern is the lack of credit demand and creation in both Europe and the U.S.
As households rebuild their balance sheets, credit growth in the private sector will be anemic and this will continue to act as a drag on growth. Furthermore, the crowding-out effect and ineffective use of capital via the large budget deficits in the U.S. is a fundamental structural problem.
Where do you see the economy going through the end of this year? Do you anticipate a double dip?
We do not anticipate a double-dip, but we do recognize that growth is slowing down relative to the pace of the first half of 2010. We now expect 2010 second-half U.S. GDP growth to be only 1.80% (annualized). Our forecast for 2011 U.S. GDP growth is 2.60%, which is below consensus but by no means a recessionary forecast.
Rick Waddell told me in a recent videotaped interview that Northern Trust waived $20 million in money market fees, and he called it a "revenue headwind that will be with us for some time." Why is this fee waiver significant for investors and when should investors look for this to make its biggest impact on your revenues?
Our first-quarter 2010 performance included significant new business results, but that performance was masked by the extremely low short-term interest rate environment.
For example, we waived $20 million in mutual fund fees in the first quarter, across our personal and institutional families of money market mutual funds, because the yields on the funds have been impacted by the low-interest-rate environment.
At an annualized rate of $80 million, this equates to about $0.22 a share, a meaningful EPS headwind that's macro-economically driven and well understood by investors.
For us to reduce these waivers to zero, gross yields in the funds need to be above the expense ratios.
In order for us to get there, we think it's going to take about 50 to 60 basis points in short-term rate increases given the assumption that we intend to share about half of the yield improvement in our funds with our clients.
Our chief economist Paul Kasriel forecasts that we will see a slow growth period with a gradual increase in rates beginning in the third quarter of 2011.
How does the rest of this year look for Northern Trust regarding earnings?
More than ever, global investors place a premium on strong, reliable financial providers that can succeed in a volatile and unpredictable environment. We continue to see clients move to Northern Trust as part of their own risk management efforts, in part as a result of the attractiveness of our own financial strength and stability.
In the personal market, net new business results were the best since we've seen since the 1990s--increasing more than 50% in the first quarter year-over-year. Institutional business was up 11% year-over-year--our highest level of net new business since the first quarter of 2008.
While there is no doubt that the low-interest rate environment has an impact on our performance and has masked some of our great new business results, Northern Trust's 120-year adherence to clear and conservative principles positions us well for growth as we come through this difficult rate environment.
Where do you plan to expand into this year?
Northern Trust has had a long-standing, successful focus on first growing organically. We augment that focused strategy by engaging in acquisitions that provide our clients with expanded capabilities or an enhanced geographic presence.
We're actively looking at appropriate acquisitions to grow our presence in areas such as the Northeast, Mid-Atlantic and West Coast, as well as in certain institutional service areas such as fund administration. We have said that we hope to open an office in Washington D.C. within the next year, for example.
Are there any other trends that you're watching in the markets?
We think that the major secular investment trend for many years to come is that there will be enormous wealth creation in the emerging markets and this bodes well for emerging market currencies, bonds and equities.
While the strong performance of emerging markets in 2009 raised awareness of the potential for many investors, we think the risk is that investors underestimate the long term opportunities in emerging markets, not overestimate them. At some point in the future, the story may be discounted but that time is not now.
Additionally, I would like to emphasize the point made above about the appropriate role each asset class plays in a diversified investment strategy. With cash and bond yields at all time lows, it is tempting for investors to stretch for yield and take on additional risk in their cash and bond portfolios, but we urge investors to ask themselves: Do I really want to put my "sleep at night" money at risk?
Northern Trust In Forbes
Intelligent Investing
Northern Trust Wrestles With Low Rates
Alexandra Zendrian, 05.28.10, 03:56 PM EDT
Low borrowing costs have been a boon for banks, but lending rates are low, too. Waiving fees doesn't help either.
Low interest rates would seem to be a good thing for banks, and certainly there is a benefit to borrowing money when rates are rock-bottom, but the problem is on the other side of the equation. When banks lend the money to customers, rates are rather depressed, too. Plus banks like Northern Trust that want to keep valuable high-net worth individuals and institutions are even doing things like waiving fees to keep customers from losing money in their money market accounts.
"The biggest issue facing Northern Trust today from a financial perspective is the very, very low interest rates," says CEO Rick Waddell. "And I, we don't believe that interest rates are going to go up for quite some time. Our net interest margin has declined rather dramatically even though the asset quality on our balance sheet is quite high."
Banks like Citibank and
In the first quarter of this year, Northern Trust's consolidated revenue was $907.6 million, up from $904.2 million in the first quarter of 2009. The company's net interest was $204.1 million, down 17% from $287.7 million a year ago. The first quarter's net interest margin was 1.44%, down from 1.68% a year ago. As of the first quarter, the company has $3.7 trillion in assets under custody.
By comparison, competitor U.S. Trust, which is the
"I think that we're going to be in a tough period of time here for the rest of 2010 from a financial perspective, but the underlying business at Northern Trust is doing quite well," Waddell says.
As for the U.S. economy itself, Waddell says, "Until we get sustainable, scalable job creation in the United States, I think the economy's going to continue in the next couple of quarters to have some tough times."
The unemployment rate was 9.9% in April, according to the Bureau of Labor Statistics. That's up from 9.7% in January, February and March of this year but down from a recent high of 10.1% in October.
StreetTalk With Bob Lenzner
Six Giant Banks Made $51 Billion Last Year; The Other 980 Lost Money
Robert Lenzner, 06.03.10, 04:25 PM EDT
An oligopoly of Goldman, BofA, JPMorgan,
Focus hard on this shocking Wall Street reality: The top six bank holding companies earned an aggregate of $51 billion in pretax income in 2009. We're talking about JPMorgan Chase,
All of this pretax income can be attributed to their trading revenues of $59.7 billion. The proprietary trading operations of an oligopoly of banks, saved from disaster by Uncle Sam's largesse and subsidized with cheap money from the central bank, was the single driving force behind the restoration of their fortunes and the renewed surge in their stock prices.
For those willing to go long when the outlook was the bleakest, they've banked a double in JPMorgan Chase, scored a quadruple in Citigroup and nearly a quintuple in BofA.
Some of the other 980 bank holding companies--like
Even more fascinating for public policy reasons, Goldman Sachs' trading revenue was 119% of its own pretax income. Bank of America's trading was 262.8% of its pretax income and Morgan Stanley's trading was an incredible 849.4% of its pretax income.
Trading profits--better known in the proposed financial reform legislation as proprietary or "prop"--trading are the target of former Fed chief Paul Volcker's crusade to prohibit or severely limit bank holding companies that have public deposits from this speculative activity.
Wall Street's gravy train is in danger of being hijacked. Investors beware; the Volcker rule is the single biggest threat to the share price of the oligopoly. Another threat is the cap on future growth of the oligopoly.
The bill requires Federal Reserve approval for bank holding companies with assets over $50 billion before they can acquire a wide range of other nonbank financial companies, like asset managers with more than $10 billion in assets. Just how big a threat is clear from first-quarter 2010 earnings: Trading revenue at Goldman Sachs increased by 61% to $9 billion; Bank of America and JPMorgan Chase saw their trading revenue more than double from 2009.
Even more amazing, Goldman Sachs, Bank of America and JPMorgan Chase did not lose money during any single trading session of the 2010 first quarter. This astonishing performance underscores the casino the oligopoly has become. It bears testament to the payoff from the Wall Street bailout of 2008, which resulted in the elimination of competition and the concurrent strengthening of the few giants left standing.
They have taken advantage of their opportunity to grow more powerful by absorbing crippled institutions like Merrill Lynch and Wachovia. JPM's trading revenue is up 127% over a year ago; Morgan Stanley's is up 176%. Citigroup's and Wells Fargo's revenues from trading are down roughly 30% each.
Public policy has benefited the oligopoly at the cost of hurting some of the other 980 bank holding companies in the nation. The financial overhaul bill unfairly penalizes any bank with more than $50 billion--even if it is a retail bank serving Main Street, making loans to small business and mortgages to ordinary people, not billionaire hedge fund managers.
It's just plain unfair to subsidize the oligopoly while penalizing the regional banks with a tax to prepare for the next too-big-to-fail episode. Because sooner or later a member of the oligopoly is going to climb out on a limb and need rescuing.
Maybe the price-earnings multiple and the premium over book value for this oversized oligopoly should be penalized by the marketplace. Burst the potential bank bubble now.
U.S. Equities
Northern Trust Hit With A Downgrade
MarketNewsVideo.com, 05.03.10, 04:35 PM EDT
BofA-Merrill drops the firm's shares to neutral. Citi cuts Pulte to hold, says home builder rally could be ending.
Bank of America-Merrill Lynch downgraded shares of Northern Trust to neutral from buy Monday.
After the downgrade shares of Northern Trust were little changed, down 0.2%.
Shares of PulteGroup were downgraded by Citigroup to hold from buy. Citigroup cited valuation and the possibility that the home builder rally may be running out of steam.
Despite the downgrade PulteGroup shares were up 2.3%.
Wells Fargo downgraded shares of NorthWestern to market perform from outperform citing valuation.
Shares of Northwestern slipped before finishing the day 0.1% higher.
Market News Video produces and distributes online videos about stocks and investing.
The Browne Interview
Decisively Neutral
Steve Forbes: Bob, thank you for joining us. You are now in charge of a few assets. So let me ask you about the U.S. market. Is it oversold? We all know the economy's not as buoyant as we would like, but profits are good. And is this one of those classic periods of climbing walls of worry, where even though the economy's not great, the market's more than reflecting that?
Bob Browne: Well, it's good to be here, Steve. And, you know, that is obviously the big issue. We spend a lot of time on it. And I have to admit, we're somewhat surprised at Northern Trust by people who have very strongly-held views about the direction of the market at this point in time. We're decisively neutral. We think it can go either way and we're placing a lot of value on liquidity and flexibility and recommending that our clients get pretty close to home in terms of what they view as their best long-term strategic asset allocation. And be very cautious about being overweight or underweight relative to their long-term planning needs.
Forbes: Now, in terms of being neutral, does that mean not buying, selling, clutching? What?
Browne: Well, what we did starting back in early May when we started to see a slowdown in China, which is an important theme for us.
Forbes: Right.
Browne: And of course, all the uncertainty that came out of Europe, it was a good time to start taking risk off the table. We have been overweight risky assets, so that's high-yield commodities, equities, emerging markets, across the board for much of the year, and we felt it was time to take some of that money off the table.
And going neutral for us means for a typical client, we'll have a long-term portfolio that we think meets their various needs and to get closer to that long-term portfolio and not second guess it through tactical trades. And through that process, raising cash, we bought some more gold as well. We're not gold bugs, but we think it deserves to be an anchor in any well-diversified portfolio. And so, this time, you know, it pays to be patient. You know, when you have plenty of time to put money at risk. It doesn't have to be today.
High-Yield Looks Good
Forbes: Now, you once liked high-yield bonds. Still do?
Browne: We still do. That is one of the asset classes we remain overweight. So we still own high-yield both strategically and tactically in the portfolios. We're not in the double dip camp, but we do recognize the economy is slowing down. But corporate America went into the severe recession in relatively good shape, especially outside of the financial sector.
So corporate balance sheets are strong. They're building up a lot of cash. And the large companies for sure have access to the capital markets. That bodes pretty well for high yield.
And as that asset class, you get more than 100% of your return up front via income. And we're placing a lot of emphasis on that, vs. the potential return that comes from capital appreciation.
Forbes: So even though they are lower-grade companies, you feel that their balance sheets can withstand a sluggish economy?
Browne: Well, some firms will absolutely not withstand a sluggish economy. So you have to go into high-yield thinking that there will be defaults and I will lose some money in my portfolio. But that's why diversification's key. And you ask yourself at any point in the cycle, especially an asset class like high-yield, am I getting paid for the risk?
Because, especially in bonds, your downside is zero and if everything works out, you get your coupon and your principal back. But high-yield, through thick and thin, on a risk-adjusted basis, has always been a very attractive asset class. The problem with high-yield is that once out of every five years you get your head handed to you. And so, you've got to be really careful about avoiding the one to two year periods.
Seeing The Red Lights
Forbes: But quickly, what are the red lights in terms of when you look at high-yield that says to you this is getting to that five-year point; I'm going to take some stuff off the table?
Browne: Well, it's somewhat related to the longer term theme about what happened in the Great Recession as various people call it. And you know, one of our explanations of that is what really causes crisis and financial mistakes is an accumulation of good periods that people think will go on forever. And over time, people are--
Forbes: Rear-view mirror investments.
Browne: Well, they get stupid. They think that, you know the decisions they make today because they would have worked out yesterday, will continue to work out tomorrow, even though pricing and spreads in this particular case--
Forbes: Right.
Browne: Could be very, very different. But what would cause us to be cautious about high yield is evidence that the capital markets are freezing up.
And that, so that was the concern about Europe is that for a while there, it seemed like a mini version of what happened in the fall of 2008, that the capital markets stopped working, and that major financial firms were having, you know, I wouldn't say major troubles, but it wasn't as easy to access funding as it was just a few months prior. And that's very important to the high-yield market, the ability to roll over and refinance debt. Because inevitably, you have to go into high-yield knowing that you're susceptible to the cycle. And that some firms just simply will not make it through. But that's where research comes in to address that firm specific risk. But if there is macro-economic wide seizing up of the capital markets, that's going to be an issue.
Companies Clutching Cash
Forbes: Now, talking about your being neutral, why are companies clutching cash? The Federal Reserve now says it's about $1.8 trillion, companies sitting on cash. Why aren't they putting to work investing it?
Browne: Well, you know, confidence is important in the capitalist society, right? It's all about--
Forbes: You think Washington's getting that message?
Browne: Well, depends on who you talk to, right? I think there's certainly a lot of uncertainty that's coming out of D.C. The recent passing of the financial reform bill, you know, perhaps creates a bit more certainty. But in other areas, it's, as we all know, you have 2,000 pages of legislation that needs to be worked out as an ongoing process and we'll be dealing with the consequences of that reform for the rest of our lives. But corporate America, anybody who puts capital at risk wants to know what the rules of engagement are. If I make this investment today, do I feel fairly certain I know what I need to know about my downside risk and my upside opportunity? And given the uncertainty with regard to legislative reform, the higher taxes, structural challenges in the U.S. economy, large budget deficits, there's lots of reason to give people cause.
Having said all that, as we saw with
Small Biz Outlook
Forbes: Looking at the banking reform bill and looking at what bank examiners are doing to banks that make loans to businesses, they are putting them through real hurdles this time. Where does that leave small business?
Browne: Well, small business has been struggling, as we know. You know, large corporate America actually has been doing relatively well--
Forbes: Right.
Browne: With regard to build access to the credit markets, and in many cases, not even needing it, because their recurring earnings and cash flow has been so robust. But let's face it--
Forbes: Which, by the way, is why their debt people find more attractive that even U.S. government debt or sovereign debt. They have the balance sheets.
Browne: They have the balance sheet and business models that people think have, you know, strong moats around them to use the Buffett phrase. But on the small corporate side, they're higher risk credits.
And in an uncertain environment, you're going to assign a higher risk premium to that type of lending activity. And you want to make sure you're being compensated for the risk. But also, when you get down to the smaller corporate sector, you're talking about independently owned businesses. They have uncertainty themselves for a variety of reasons. And the lack of, there's an issue there. There's both a lack of demand from the right quarters for credit and a problem of supply. And we're not meeting in the right place. And if you look at the accumulation of debt that's taken place over the past 20 years, the household sector, without doubt, has to, you know, improve their balance sheets. And that does have more of a direct impact on small corporate America than it does large corporate America.
Credit Supply Issues
Forbes: So in terms of supply of credit, what do you mean the problem there?
Browne: Well, here's going to be the challenge.
Forbes: We know the customers are having problems getting the credit. What's happening on the supply side?
Browne: Well, on the supply side, you know, as a banker, you have to think about where I'm going to get paid for my risk. And one, we know that the capital requirements are going to be increasing, either in terms of what's required out of Basel, our domestic regulators, or market expectation, at least in the near term. In many banks, the whole, including ourselves, are much more conservative then what's dictated by regulatory requirements, because we feel it's appropriate. And so, that will inevitably cause some supply restrictions. But also, here's a key theme that we talk about that has not really been picked up. We think that increasingly, banks will find it more attractive to lend to the government than it will be to the private sector. And so, the crowding out effect will be the--
Interest Rate Pain
Forbes: This gets to low interest rates. The Fed is still of a mind, low interest rates good, stimulates. But in your case, it has slammed your earnings. It punishes savers. It makes banks extremely cautious, because they can do very well lending to the government. It's almost as if the Fed is subsidizing government debt and leaving a big chunk of the private sector with the hind most.
Browne: Yeah, well, I'd like to think that they're just following, you know, the standard play in the playbook of providing as much liquidity as possible in the wake of a, you know, severe collateral draw-down and contraction by the private sector. There are, you know, people who could be, you know, justified to have the view that coincidentally, it does the government to get its budget deficit through. But the numbers are so large that over time, even low interest rates won't be sufficient to deal with the structural deficit. And the risk is it lulls policy makers into believing they have more time than they think. And if you have a substantial increase in rates, and if we get, you know, a backup of even 150 to 200 basis points, it just makes the budget deficit that much more difficult. But we do believe the yield curve, because of those deficits, will remain relatively steep for years to come.
And so, if you can fund your balance sheets through deposits at close to zero financing and lend to the government in two to three year money at let's say, over time, if it gets to one and a half to 2%, which is still a big increase from where we are today, that's because attractive relative to lending to, you know, much of the private sector, when capital requirements are going to be much higher. So the risk is crowding out not today, but on a sustained structural basis over time.
Emerging Are Going
Forbes: Talking about emerging markets, you're obviously high on those. In terms of stocks, everyone knows they've done very well, at least for a period. Has that been overdone or do you think this is one of those things, even though there's been a lot of focus on it, this is just beginning?
Browne: Well, we're in the latter camp. We definitely think it's just beginning. And so, we've been pretty outspoken about our belief that this is a long-term secular wave where over 80% of world's population lives and they want to live like we do. And they're working hard to live like we do. And in many ways, they're dealing with less structural constraints than we are.
This is still the greatest country in the world to create wealth. But there are a lot of advantages taking place in the emerging world. And we think the risk is that you actually underestimate the story rather than overestimate it. Some period over the next three to five years, is there a possibility that story gets fully discounted and you pay too much for the story? Absolutely.
But now's not the time. I mean, the P/E ratios are around 14, with very strong underlying earnings growth. And as the economies switch from export-oriented to consumer-oriented, the cycles there will be much more stable. So there's of reasons to be positive there.
Evaluating China
Forbes: Particular areas that really excite you? You mentioned China. Perhaps a slowdown, perhaps a bubble in real estate, but longer term still a place to be?
Browne: Well, guess what? You know, the economic cycle still exists, not just in the U.S., but elsewhere. Twelve percent, nearly 12% annualized growth that they had in Q1 was unsustainable and, you know, for good reasons. But people need to remember in terms of the impact on the world, the increasing base effect. You know, when China was going at 14 and 15%, when it was a $3 trillion economy, very impressive.
But now, it's a $5 trillion economy and still going to be growing at 10%. And even if it goes back to the expected normalized growth of 8%, it's on an increasingly large base. And so the contribution of global growth will actually match if not exceed the U.S. on an ongoing basis if our economy of $14 trillion is growing at two and a half to 3%. So the impact of China on the world will actually get larger and larger because the growth rates still on an absolute basis, are very high. But that's a story that people are missing.
Forbes: So when you look for allocation around the world, overweight China?
Browne: Well, we take a broad diversified approach to emerging markets. We overweight the entire sector. We try not to get too cute on specific country bets in the emerging market world, because we've often found out that we've been too clever by half where we got the broad secular theme correct and the nuances of one country vs. another were more difficult than we thought. So it's really important for investors to play to the strengths and know what they know, and know what they don't know. And we feel that broadly, Asia will drive the emerging market story. But by way of example, last year, when we started to overweight emerging markets, we thought of actually curtailing the exposure to Eastern Europe, because there were many things going on in Eastern Europe we're didn't like early in 2009. But in the end, we made it a pro rata bet.
And it turned out to be a good one, because Eastern Europe did much better than we ever expected, because the story was more discounted than we thought. And it came roaring back along with the rest of the emerging markets.
Forbes: And they tightened their belts
Browne: And they tightened their belts.
Forbes: Before the Greek crisis.
Browne: Exactly.
Northern Trust's Pitch
Forbes: And so, this gets to your own business. You're fairly new in this job. Wealth management, high net worth individuals. That's a highly competitive market. Institutions are the world are competing for it. So when you go to the table, what do you say the advantages that Northern Trust offers vis-à-vis others? What's your particular competitive advantage?
Browne: Well, the starting point for us is talking about our 120-year legacy, that we've gone through major depressions quite successfully many years ago and we came through 2008 very well. It's a stable, strong brand supported by an underlying stable, strong approach to the business.
And our clients know that. They know that, you know, if the meteorite hits tomorrow, that, you know, Northern Trust is probably still going to be open for business. We take our fiduciary trust responsibilities, you know, very, very seriously. So that 100-year view, literally, I think is what brings clients to us.
Forbes: Now, what are some of the tools? Predictive risk, risk-based scenarios? What do you give the clients when you say, "Durability, we're going to be around. You don't have to worry that they're going to wake up one morning saying, 'My God, what do I do now,' in terms of where my money goes." But in terms of the more specific things you offer clients that may give you a little edge or a little extra in terms of the clients, you have Northern Trust, I get something really is worthwhile?
Browne: Well any best-in-class weapon manager, which we include ourselves, has to start with the client need. You know, what are they trying to accomplish?
Forbes: Right.
Browne: What's the lifestyle need, what's the wealth accumulation need, and what's the wealth preservation strategy? So really, understanding the client need. And then laying over a sound, strategic asset allocation plan around that, and understanding the down side. You know, what causes pain for the client and how is that combined with other sources of income? What type of business are they in? What are their charitable aspirations? What are they trying to do for their next generation?
And that just making sure we have a holistic sense of the total picture for the client personally, professionally and from a wealth management perspective. And then, when it comes to the specific investment details, being quite clear on the role of each asset class. And this is a very important theme for us when we talk to clients, is we'll talk about fixed income in particular, given the challenges of zero yields in cash, and you know, parsimonious yields in investment grade fixed income.
Forbes: Which costs you what, 22 cents a share or something, on the--
Browne: We did in Q1. We're expecting on an annualized basis, given the fee waivers on our money market business, that works out to about 22 cents. So we and the rest of the industry are just going through, you know, a tough time. But the net organic growth of the business is strong. So we view that as just as cyclical factor as opposed to a structural one.
Forbes: Right.
Browne: You know, when there are structural challenges, that's what you have to worry about. But fortunately, it's just the opposite for us, given the growth in our core business because, back to the question, you know, we talk to clients about what is the role of fixed income and cash in the portfolio.
What are they trying to accomplish with the sources of income, the sources of liquidity? And not to worry about a zero to, you know, 10 basis point cash yield, because it's really there to generate liquidity and pay immediate liabilities. And you shouldn't be putting that money at risk vs. what you're doing in your alternative portfolio, private equity hedge funds, emerging markets. These are risky asset classes and this is where you should expect volatility, and manage it appropriately from a total portfolio perspective. What you don't want is to be hurt in places you never expect to get hurt. And so, the risk for the market overall as billions of dollars flow into fixed income at low yield, is that people increasingly stretch for yield in inappropriate ways and take risk where they should not take risk.
Forbes: You have an office in Africa now?
Browne: Not in Africa. But we are expanding in many regions of the world, in part tied to our view from where the capital markets are going. We are expanding in Asia quite aggressively. And the Middle East is a very important part of our business. We have a very large sovereign wealth business for both our asset servicing side and our asset management side. So those parts of the world excite us very much.
Forbes: So Dubai is just a hiccup in the long-term?
Browne: Well, in the long-term, yes. But, you know, in the short run, there's some debt issues that need to be worked out. And for now, the market has been gratified that you know, the big brother has come to the rescue. But you have to be very careful as an investor about to what degree you expect to be bailed out by altruistic government intervention. You shouldn't ignore it as a potential factor, but I would never make that my base case for a risky investment decision.
Forbes: Especially not when families are involved.
Browne: Right.
Expansion In D.C.
Forbes: So final question, acquisitions? You're looking to expand your base of geographic operations northeast, east of the other parts of the country and the world?
Browne: Well, we definitely in the U.S., in our private client business, very much want to expand in the northeast corridor. We've been pretty public about our desire to develop a Washington, D.C., office in particular. And so, we're definitely focusing on that. We've always preferred organic growth to acquisitions, but we're hoping there's going to be some opportunities to do some bolt on acquisitions that are meaningful at the right price.
We're pretty disciplined and we know that acquisitions are many times a great way to destroy shareholder value. So we have to make sure it's the right fit financially. And also, you know, the culture is just probably what defines us as much as anything else. Are we acquiring a firm and a business that thinks about clients and business and their legacy the same way we do? So that narrows the universe. But we're always open for the right opportunity at the right price.
Forbes: Bob, thank you very much.
Browne: Thank you, Steve. It was great to be here.
Forbes: Thank you.


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WASHINGTON (Reuters) - The U.S. Congress should conduct an in-depth assessment of Chinese cyber spying and consider imposing tougher penalties on companies that benefit from industrial espionage, a federal advisory group said Wednesday.
The recommendations by the bipartisan U.S.-China Economic and Security Review Commission reflect its stated concern that China has become "the most threatening actor in cyberspace."
In its annual report to Congress, the commission said the most notable trend in Chinese cyber-espionage over the past year had been "increasingly creative and resourceful targeting" across government, industry and civil society.
Among these are stepped-up efforts to defeat so-called two factor authentication, it said, referring to the use of a security token in addition to a traditional password.
Separately, Beijing appeared to be within two years of putting nuclear-tipped ballistic missiles on submarines as it continues to modernize and expand its nuclear stockpile, the report said, citing U.S. Defense Department estimates.
Congress should require the State Department to spell out steps to bring China into existing and future nuclear arms control efforts, the group said.
The report included 32 recommendations for congressional action on ties between the United States and China, the world's No. 1 and No. 2 economies.
The pair also are the top spenders on their militaries, although Washington spends about five times as much as Beijing, according to the Stockholm International Peace Research Institute, which tracks the figures.
The commission's report did not address U.S. espionage involving China, whose rise as a global competitor has helped frame a U.S. geo-strategic "pivot" toward the Pacific, announced a year ago after a decade of land wars in Iraq and Afghanistan.
The report was written before China's 18th Party Congress that will bring in a new generation of leaders. So the commission did not analyze the change in leadership, perhaps the most significant political event in China in a decade.
After the political transition, the same issues that complicate the bilateral relationship are expected to continue in the near term, Dennis Shea, a Republican appointee who is the commission's chairman, told reporters ahead of the report's release.
Chinese Foreign Ministry spokesman Hong Lei condemned the report.
"The relevant commission has not let go of its Cold War mentality. We hope the relevant commission can discard its prejudice, respect facts, and cease its interference in China's internal politics and making of statements that are harmful to China-U.S. relations," he told reporters in Beijing.
"Regarding Internet security, we have repeatedly pointed out that China resolutely opposes internet attacks and has established relevant laws," Hong added.
"Actually China and the United States have already engaged in cooperation on Internet security. The content of the relevant report is not helpful in building trust and respect between China and the U.S., or in conducting further cooperation."
Some recommendations could add to bilateral strains. The commission said Congress should consider tougher screening laws for investments made by China's state-owned enterprises because of their allegedly unfairly subsidized challenges to U.S. corporate competitors.
The commission was set up by Congress in 2000 to study the national security implications of U.S.-China trade and economic relations after President Bill Clinton's administration granted China permanent trading status and approved its accession to the World Trade Organization.
Many U.S. entities lag in their ability to deal effectively with the growing sophistication of Chinese computer-launched espionage, the commission reported.
"China's cyber capabilities provide Beijing with an increasingly potent tool to achieve national objectives," it said. "A diverse set of Chinese hackers use pilfered information to advance political, economic and security objectives."
In response, relevant congressional committees should conduct an "in-depth assessment of Chinese cyber-espionage practices and their implications," then report the findings in an unclassified format so the public will be aware, the group said.
Congress also should conduct a review of existing legal penalties for companies found to engage in, or benefit from, industrial espionage, it recommended.
The call for congressional assessments is reminiscent of work carried out over the past year by the House of Representatives intelligence committee.
The panel's top Republican and Democrat, reporting on the findings of an 11-month investigation, warned last month that Beijing could use for spying equipment made by Huawei Technologies Co HWT.UL], the world's second-largest maker of routers and other telecom gear, and rival Chinese manufacturer ZTE Corp, the fifth largest.
Speaking to reporters on Saturday on the sidelines of the Party Congress, China's commerce minister, Chen Deming, said the United States was exhibiting a "Cold War mentality" with its fears that Huawei posed a security risk because of its ties to the Communist Party.
Tom Collina, research director of the Arms Control Association, a nonpartisan advocacy group in Washington, said China should be more transparent about its forces, but the United States has a 20-to-1 edge in nuclear weapons that can span the Pacific.
"The United States should continue to pursue consultations with China, but Washington and Moscow need to draw down their forces significantly before expecting others to participate in formal negotiations," he said.
Additional reporting by Michael Martina in Beijing, Editing by Jonathan Thatcher


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Farmers Insurance Agency Owner Opportunity
- Employer
- Farmers Insurance
- Location
- Barnesville, MD
- Posted
- Jun 14, 2018
- Closes
- Jun 15, 2018
- Function
- Accountant, IT
- Industry
- Insurance
- Career Level
- Experienced (Non-Manager)
- Hours
- Full Time
Grow your wealth. Grow your business. Grow your community. If you are a well-capitalized, small-business entrepreneur seeking an opportunity to maximize your ROI, this could be the opportunity for you. Our Retail agent program offers you unlimited earning and growth potential while providing financial support and tools to help you grow, whether you build an agency or purchase an existing agency. THE CANDIDATE You have a proven background in building and managing a business venture. You seek to build a business to monetize or pass on. You make smart decisions with ROI and cash flow in mind. You value knowledge and support and award-winning learning and development opportunities like those offered at the University of Farmers(R). SELF-MOTIVATION & INDEPENDENCE You know how to set goals for you and your team and how to execute a plan efficiently and effectively. You are a true leader, but recognize the value offered by an experienced business coach. COMMUNICATION SKILLS You have the willingness to listen and the ability to inspire. You know how to manage a team, achieve great chemistry and instill a standard of excellence. PERFORMANCE You recognize the irreplaceable value of hard work and what it takes to achieve financial success. You are willing and able to invest in your business to increase your opportunity for future gain. You uphold high standards of professionalism and ethics and embrace the opportunity to become a highly-visible member of your community. Benefits FINANCIAL INTEREST Contract Value according to the terms of the appointment agreement. SALE OF SERVICE & COMMISSION RIGHTS Immediate opportunity to sell service and commission rights. OFFICE START-UP BONUS PROGRAM Opportunity to receive up to $15,000 in office startup bonus. AGENCY LEAD GENERATION BONUS PROGRAM Opportunity to receive a lead-generation bonus in your first two years based on your path to agency ownership. ANNUAL NEW BUSINESS PREMIUM BONUS Opportunity to receive an annual bonus based on new business Agent Eligible Premium. MONTHLY NEW BUSINESS PREMIUM BONUS Opportunity to receive a monthly commission match up to $5,000, based on qualified new business production. Quarterly bonuses related to Life Insurance. Bonuses in the hundreds of thousands of dollars are possible in the first 3 years! Requirements ASSETS Minimum of $50,000 in seasoned investable assets. LICENSING & TRAINING Property and Casualty, Life and Health licenses are required prior to agent appointment. Complete training milestones and assessments. BACKGROUND CHECK Satisfactory results of background check. BUSINESS PLAN Approval of 5-year business plan with pro forma. BRANDED OFFICE LOCATION Office location fully equipped and compliant with Farmers Smart Office standards. AGENCY STAFF Requisite licensed and appointed agency staff member (with second licensed and appointed staff member within 6 months of appointment). GROW WITH FARMERS. APPLY TODAY!


text:
Narrowboat Adagio
This is Steve & Viv Carter's log of the trips and travails on the narrowboat Adagio – liveaboards from October 2015. "Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover." (Mark Twain)" email@example.com
Short clip of the boat near Pewsey and the white horse on the hill.


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From Fedora Project Wiki
The current incarnation of mkinitrd sucks for a variety of reasons. This page documents some of the plans to replace it with something better. This is not yet a feature, it's currently just a playground to try some things out
Initial ideas
- One initrd to rule them all - Instead of one for the livecd, one for the installer, one for the distro
- Death to nash - The bits of nash that don't currently exist in other tools need factoring out and putting into util-linux or similar packages.
- Same bits - Use the same bits the rest of the distro uses instead of custom functionality. No custom udev, just use the regular one etc.
- Diagnostics - Include a shell for diagnostic/debugging purposes.
- Probe at runtime instead of buildtime - Include all drivers, not just the drivers necessary for the hardware being run. (For storage, the common ones will be built-in to the kernel anyway)
- The initrd will be usable on other distros. - The idea being that it can be included in the upstream kernel, and changed when kernel interfaces change etc to prevent breaking distros.
Major Cases
The first cut of this will just support the simple case of root on a hard disk. Eventually we want to support the numerous esoteric cases the existing initrd supports. Namely root on..
- Disk based devices
- -on-lvm
- -on-dm-crypt
- -on-dmraid
- -on-mdraid
- -on-multi-path
- Network based devices
- -on-iSCSI
- -on-nfs
- -on-nbd
- Special cases to revisit later:
- livecd (/ on dm-snapshot over ext3 on squashfs on iso9660)
- installer
- kdump
Other tasks performed by the initrd other than mounting rootfs
- restore from hibernate
- start 'pretty' plymouth
- kdump
- Loading initial SELinux policy.
- RFE: run ssh server to enter crypto password or perform debugging
Utilities to include in the initrd
- libc
- udev
- switchroot
- bash (no nash!)
Other stuff
- The code in the kernel for creating minimal initramfs's (scripts/gen_initramfs_list.sh & usr/*) is kind of useless. It's probably for the best if this just goes away and gets replaced by something useful.
- Make it possible to easily extend the initramfs, e.g. by packages that provide additional features to the initramfs, e.g. an ssh server
Stay tuned...


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In recent years, cotton producers have been heavily discounted for high micronaire and short staple cotton. Not all fiber quality problems can be blamed on varieties but many high-yielding, short-season varieties have offered fair fiber quality at best.
Until recently, most varieties that offered improved fiber quality have been later maturing varieties not suited for short-season environments. In addition to the later maturity, the yield potential of these varieties was often less than desirable. In the absence of suitable varieties, some producers have adopted variety blending as means to improve overall fiber quality.
Normally, a high-yielding, early-maturing variety is blended with a variety that provides better fiber quality. Therefore, overall fiber quality could be improved while maintaining high yields and earliness.
Variety blending is not a new idea. Research was conducted in Arkansas in the 1980s and more recently in North Carolina, Tennessee and Louisiana. Although improved fiber quality is the driving force behind blending, the widespread adoption of bulk seed containers and seed treatments has made blending more attractive.
In addition, seed availability and pricing of new varieties has prompted producers to look at blending as a means of making seed allocations go farther. Conversely, the disadvantages of blending include maturity differences of blending partners, a potential drag from a lower yielding partner, fiber uniformity issues, technical service problems, acceptance of merchants and mills and the unknown effect of the environment that may result in no fiber quality improvement at all.
Several questions that have been addressed by recent research include; does blending work, which varieties should be blended, should I use a 50/50 seed blend or an alternating row configuration (alternating hoppers) and what ratio of varieties is needed for optimum yields and improved fiber quality?
While blending has usually improved overall fiber quality, the result is often intermediate between the two blended varieties. Data from Tennessee and Louisiana does not indicate a significant effect of blending on uniformity.
However, choosing the correct blending partners has proven to be more of a challenge. The most common blend of late has been the 50/50 blend of PM 1218 BG/RR and DP 451 B/RR. This blend has proven to be successful for fiber quality improvements, but differences in variety management and maturity can be a problem.
Results have been similar for alternating row blends or 50/50 seed blends, and convenience has been the deciding factor when choosing a blending method. One year of research has shown that blends must contain at least 40 percent of the good fiber variety for overall fiber improvement.
Experience suggests that variety blending does as might be expected; the results are often nothing more than a "blend" of the two varieties and the result may or may not result in a reduction in discounts. Although blending can result in better overall fiber quality, the practice is still only a temporary fix, and the need for blending will likely decrease with the release of new varieties with high yield potential and discount free fiber quality.
It is for this reason that variety blending is difficult to recommend. However, if blending is something you want to try, here are a few tips:
- Select varieties of similar maturity
Varieties that will mature at the same time will make harvesting much easier. An example of two varieties with similar maturities would be PM 1218 BG/RR and DP 444 BG/RR.
- Select varieties with similar seedling vigor, seed size and germination results
It is important that the two varieties emerge at the same time and have similar early season growth so that one variety does not become a "weed". It is also important that seed size be similar for planter calibration and when using bulk handling systems. Differences in seed sizing may result in too much or too little of one variety and smaller seeds often settle when mixed.
- Select varieties with similar canopy architectures
Varieties should be similar in canopy architecture (growth habits) for mepiquat chloride (e.g. Pix etc.) management and elimination of inter-plant competition.
- Select varieties of the same technology
One of the most commonly asked questions asked is whether Roundup Ready and Bollgard/Roundup varieties can be blended and used to satisfy the embedded refuge requirements. The answer is no. Using the embedded refuge option requires that the embedded refuge must be at least 150 feet wide.
- Select varieties from the same company
It is often tempting to blend varieties from different companies but technical service issues arise in the event of a complaint.
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Bacon Today reader Becca R. shares a Bacon Recipe for Maple Bacon Cupcakes (which it turns out was originally posted on the amazingly cool food blog Vanilla Garlic in 2007) . If you make these let us know how they turn out and take some photos to share with the world!
Bacon Maple Cupcakes
* 1/4 cup of minced bacon, cooked and drained
* 4 1/2 tablespoons butter, room temperature
* 1/2 tablespoon bacon drippings (left in the fridge to become solid)
* 1 egg
* 5 tablespoons brown sugar
* 4 tablespoons maple syrup
* 1 1/4 cups self rising flour
* 1 teaspoon baking soda
* 1/2 teaspoon baking powder
* tiny tiny pinch kosher salt
* 1/4 cup milk
What you'll do–
* 1) Cook some bacon in a fry pan (about 6 thick strips). Reserve the drippings and place in the fridge to solidify. Mince 1/4 a cup of the bacon. The chef should eat whatever is left to assure that the bacon is tasty.
* 2) Beat the crud out of the butter and solidified bacon fat 'till light and creamy. Add the brown sugar and maple syrup and beat well until combined.
* 3) Add the egg and beat until incorporated.
* 4) Sift the flour, salt, baking soda and powder together.
* 5) Add some of the flour and mix, then some of the milk, then continue to alternate the dry and wet ingredients, ending with the dry. Mix until just combined. Fold in the bacon. Taste and add more maple syrup, flour, or milk if needed for desired taste. Keep in mind the maple frosting is very sweet, and to add in very small increments for alterations as maple syrup in large amounts can break a cake batter.
* 6) Scoop into cupcake papers and bake at 350 F for 18-22 minutes or until a toothpick comes out clean. Be sure to rotate the pan after the first 15 minutes for even baking.
Maple Syrup Frosting
* 4 tablespoons of butter.
* 2 tablespoons of maple syrup.
* 1 cup of powdered sugar.
* turbinado sugar (optional, but recommended).
* coarse grain sea salt (optional, but recommended).
What You'll Do —
* Combine the syrup and butter until combined. Add the sugar, a bit at a time, and whip at high speeds until combined. Pipe or spread onto cupcakes. Sprinkle on sea salt and turbinado sugar for decoration and a lot of added flavor.
(add some crumbled BACON TOO!)


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Super Rugby
David Pocock receives ACL confirmation
March 10, 2013
David Pocock played only 12 minutes before he was replaced by George Smith © Getty Images
David Pocock will miss the Wallabies' three-Test series against the British & Irish Lions in June and July after tearing the anterior cruciate ligament in his left knee during the Brumbies' Super Rugby clash against the Waratahs on Saturday.
Rated the premier openside flanker in the world by his Brumbies replacement, George Smith, Pocock was hurt when falling awkwardly in a tackle by Wallabies team-mate Adam Ashley-Cooper.
He faces a knee reconstruction and is set to miss the three-Test Lions series and the Rugby Championship campaign as well as the rest of the Super Rugby season.
"To hurt my knee so early in the season is obviously disappointing, particularly considering how well the team has been playing," Pocock said. "When I got here last year I got a good feel for the club's rehab programs and structures, so I know what I'm in for as far as getting my knee back to full strength. The medical staff have given me plenty of time to make a full recovery, so my focus has to turn to making that a reality."
Pocock was contending to be coach Robbie Deans' choice to skipper the Wallabies this year. Injuries last year forced Deans to switch the captaincy from James Horwill to Pocock, then Will Genia and the now-retired Nathan Sharpe, and the coach had acknowledged the choice this year was between Pocock and Horwill.
Replacing Pocock at openside flanker will also be a big task, but the Wallabies have impressive contenders, notably the Waratahs' Michael Hooper and Queensland Reds' Liam Gill. And Wallabies great Smith, a veteran of 110 Tests, could emerge as a contender after replacing Pocock in his comeback to Super Rugby on Saturday. Smith's experience would be invaluable in the pressure cooker atmosphere of a Lions series. Smith's Test availability is not clear, however, as he is still contracted to Suntory Sungoliath and he is playing for the Brumbies only on a short-term deal in the Japanese club's off-season.
Hooper made a big impression when playing most of the 2012 Tests for the Wallabies after Pocock suffered a cartilage injury to his other - right - knee, ruling him out till late in the end of season tour to Europe.
Brumbies captain Ben Mowen said the loss of Pocock was extremely disappointing, but more so from a personal point of view.
"You invest a lot in your playing group and the friendships that you build, and you really do ride the highs and lows with each other," Mowen said. "But in saying that he's an absolute quality guy and if anyone's going to do the recovery right ... he's going to be the guy who's going to do it."
Brumbies coach Jake White was not denying the Brumbies were fortunate to have signed Smith recently to play most of the Super Rugby tournament.
"It shows you how fate plays out ... it's just fantastic how things have worked out now that George has arrived," White said. "It's not nice on Poey, but at the same time it just shows how important depth is in this competition and when you have depth like George it's even better."
The Brumbies recovered from the loss of David Pocock to smash New South Wales
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Toddler Beds
Graduating from a crib to a toddler bed is a major milestone. Choosing a toddler bed that's both practical and fun for your child will help ease the transition and make bedtime more enjoyable for both of you.
Now that your child is developing their own interests and personality, you can keep those in mind when selecting a bed. Many toddler beds are novelty beds featuring themes that spark kids' imaginations. You might choose a car or fire truck bed, a princess bed or a character bed.
Toddler beds can be standard height, raised or on the ground. Raised loft beds are often configured to have forts or other creative hideouts underneath, which can be fun for your child and will also gain some space in their room. However, if your child is prone to falling out of bed, you'll be better off with one that's on the ground. Many toddler beds come with built-in side rails to protect against falls, but if yours doesn't, you may want to purchase bed rails separately.


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Isolde Roth
Rib knitted arm warmers
Free delivery on orders over 179 € and always free returns
Secure & easy payment
Excellent customer service +49 241 519 684 82
Description & details
As a versatile accessory for colder days, these fine ribbed Isolde Roth arm warmers are exclusively manufactured in Germany. They are not only great for layered looks but also visually enhance other styles easily. As well as adding a fashionable accent, they are the ideal item to complement cropped sleeves in tops, dresses and jackets.
- fine rib crafted from an elastic cotton blend
- machine wash
- The total length for a IT size is .
Size & Fit
The model is 175 cm tall and wears a IT size according to our body measurement chart.
This item is a one-size fits all.
|IT size
|one size
|Manufacturer size
customer reviews
These are great - I would never have thought if using something like this but they really work! Would love if they came in black
1 customer found this review useful.
pleasantly light gauntlets with adequate width at the bottom (wrist)
angenehm leichte Stulpen mit ausreichender Weite am unteren Ende (Handgelenk)
1 customer found this review useful.
Practical parts with shorter sleeves, good for the colder season. The warmers a little longer would be ideal.
Praktische Teile bei kürzeren Ärmeln, gut für die kältere Jahreszeit. Die Stulpen ein bisschen länger wären ideal.
1 customer found this review useful.
I love these headlines. comfortable and cute, they heat up a somewhat fine sweater
j'adore ces manchettes. confortables et jolies, elles réchauffent un pull un peu fin
Headlines all sweet lengthen the sleeves of the dress Isolde Roth purchased previously.
Manchettes toutes douces pour rallonger les manches de la robe Isolde Roth achetée précédemment.
They looked a bit underwhelming but think they will be useful to bridge that GAP between sleeve of TOP and outer jacket The colour ,a dull green ,is probably going to be a useful neutral
Look nice out and can take well.
Sehen schön aus und lassen sich gut tragen.
Beautiful color, but unfortunately a bit short.
Schöne Farbe, aber leider ein wenig kurz.
Nice leg warmers, could be but slightly longer.
Hübsche Stulpen, könnten aber etwas länger sein.
these are soft and stretch nicely over my plus-size arms, but they should be at least 1/3 longer than they are--they only cover either from your shoulder to your elbow, or from your elbow to your wrist.
Processing is not so special price performance ratio is disappointing because she can find economical measure she kept only, me re expenses too big Schick was
Verarbeitung ist nicht so besonders preis leistungsverhältnis ist enttäuschend finde sie sparsam bemessen habe sie nur behalten, weil mir rückschickaufwand zu groß war
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When a powerful storm destroyed her riverside home in 2009, Jahanara Khatun lost more than the modest roof over her head. In the aftermath, her husband died and she became so destitute that she sold her son and daughter into bonded servitude. And she may lose yet more.
Ms. Khatun now lives in a bamboo shack that sits below sea level about 50 yards from a sagging berm. She spends her days collecting cow dung for fuel and struggling to grow vegetables in soil poisoned by salt water. Climate scientists predict that this area will be inundated as sea levels rise and storm surges increase, and a cyclone or another disaster could easily wipe away her rebuilt life. But Ms. Khatun is trying to hold out at least for a while — one of millions living on borrowed time in this vast landscape of river islands, bamboo huts, heartbreaking choices and impossible hopes.


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Please forward your resume to Bob Pyle and reference job #2357RP121203
Local Search Masters focuses in search engine marketing for both national and local search strategies. Founded in 2006 and headquartered in Nashville, TN, LSM is a growing team of creative, mildly funny and extremely motivated folks and working to become the most prestigious firm in the search engine marketing industry. We are genuinely excited about partnering with each new client to enhance their Internet marketing strategy and make their website a better branding and lead-generation tool for their business.
If you'd like to see more information about Local Search Masters you can visit our team page, read or watch client SEO testimonials or look over our services.


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Renewables are the Future
Tech Summit
Women in tech
The tech world is two percent female
Robotics is all the rage
Cloud computing market
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Apache Spark Market
Browser as a Service Market
DevOps & Microservice Ecosystem Market
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Agritech 2018, The 20th International Agricultural Exhibition & Conference, May 8 – 10 2018, Tel Aviv, Israel
Modular power solutions for data centers
Agricultural drone platform
Agritech 2018, The 20th International Agricultural Exhibition & Conference, May 8 – 10 2018, Tel-Aviv, Israel
Agricultural drone
Modular data center
Modernization of U.S. Federal Government IT
Loitering Munitions Market Analysis
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Science and Engineering Fair: Robotics Competition
Museum Technology Market
Museum Technology Market on the Rise, $3.5 Billion by 2020
Water Technology 2018
WATEC Italy 2018 will take place in Cremona from October 24th to 27th. It is an initiative aimed at promoting cooperation between both Italian and International Companies that will also foster the interaction between the private sector and the public one. This year WATEC Italy will be part of the 73rd International Livestock Dairy and Cattle Show that will bring together more diverts and a larger crowd.
Small Business Basic Templates to be Presented at Small Business Week
Market Intelligence Masterclass
Market Research Media's annual competitive intelligence event attracts hundreds of leading market intelligence professionals and experts to preview cutting-edge technologies, hear the latest analyst research, and share best practices regarding how to move from insights to true intelligence.
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Technology Digest 2018
Technology industry leaders call for decisive action to attract, engage and retain the brightest and best staff to combat its current employment crisis.
That's the key message from a senior-level roundtable hosted by enterprise feedback management specialists. Experts and leaders from across the industry discussed in depth these key challenges, outlining seven critical actions needed to attract and retain talent and adapt to the changing world. These include improving the industry's image, widening diversity and increasing the opportunities for staff, particularly millennials, to give and receive feedback.
GovTech: Mid-Tier Government Contractors Claim 26.8% of the Market Share in Fiscal Year 2017
Industrial Manufacturers Turning to AI to "Turbocharge" Products and Services
European Venture Ecosystem on Track to Match 2017 Total VC Deal Activity
Robots Create Jobs
Biofuel Accessible to Everyone: Biocoal alternative fuel for power production and heating
CE Week 2018: Conference Program Looks at the Digitalization of Everything
The Startup Competition for Deep Tech Scaleups: The EIT Digital Challenge 2018
Artificial Intelligence (AI) to Thrive in Logistics
Next Generation Open RAN Architecture
Global IT Spending to Grow 6.2 Percent in 2018, State of the IT Market
Seegrid's self-driving vehicles have reached 1 million production miles at customer sites without a single personnel safety incident
IEEE Approves Standards Project for Quantum Computing Definitions
U.S. IT Sector Adds 9,000 Jobs in March
Ultra HD Forum Releases UHD Phase B Guidelines at NAB 2018
Technology Companies Complete HDR10+ Ecosystem in Hollywood
GSA Selects ICF for IT Modernization Contracts
Customers Flocking to AWS for Machine Learning Services
InsurTech: Cape Analytics Launches AI-Driven, Property Intelligence Solution for Insurers Nationwide
Technology Digest, March 2018
Siemens Expanding Investments in U.S. Digital Capabilities Including $175 Million R&D Ramp Up
Apple today announced a new 9.7-inch iPad for education market
HUAWEI P20 and HUAWEI P20 Pro, Breakthroughs in Technology and Art to Redefine Intelligent Photography
Kinetica Now Available on NVIDIA GPU Cloud
Salesforce to Acquire MuleSoft for $6.5 Billion
Facial animation technology company promises a new paradigm of real-time digitization that is causing video game companies to radically alter how they produce content
Samsung Enables Premium Multimedia Features in High-End Smartphones With Exynos 7 Series 9610: The Exynos 9610 supports deep learning-based visual processing and 480 fps slow-motion recording
Galaxy S9+ Materials Cost $43 More Than Previous Versions: Better camera and higher DRAM memory prices increase overall bill of materials costs
Investment in Insurtech Industry Surged in 2017, with Europe Emerging as Key Insurtech Hub
Wolves Summit, an international conference for startups, 9-11th April, 2018, Warsaw, Poland
IBM's new, industry-specific, machine-readable data sets designed to expedite AI training workflows; first kits will serve travel, transportation and food Industries
Xilinx Technology Enables 5G for Hyper-Connected Urban Society at University of Bristol Smart Internet Lab
European Patent Office Annual Report 2017: Patent Applications From the UK Keep Growing
IBC Calls for the Best in Innovation: Call for Entries now open for the media, entertainment and technology industry's most influential awards
IoT Solutions World Congress 2018 seeks the 10 best projects of the year for its testbeds area
Analyst Briefing: Government Blockchains at MWC18
Industry Leaders Launch ORAN Alliance
SK Telecom to Invest in ID Quantique, the Global Leader in Quantum-Safe Crypto Solutions
Federal IT Modernization: Potential for APIs, DevOps, Microservices, and Open Source Software to Overcome Legacy Lockup
Coty Launches Digital Accelerator Startup Program
Yield Lab Targets AgTech Startups With €800,000 Investment Opportunity
Silicon STEM Academy Launches New Spring Break Camps to Help Students Find Their Passion in Technology
China Quickly Gaining on the Rest of the World in Innovation
2017 Recorded Strong Venture Capital Exit Activity Across North America and Europe
Emerging IoT Standards for New Energy Applications
The European venture capital (VC) industry finished strong in 2017 with €16.9 billion invested across 3,306 deals
Amazon Web Services (AWS) Summit 2018, March 14 2018, Tel Aviv
GovTech Trends 2018
CyberTech 2018: Israeli Cybersecurity Technology is Becoming a Global Force to Reckon With
#Wireless Networks Are Not as Fast, Secure, Reliable, The U.S. Should Invest in Hard-Wired #Telecom Infrastructure to Support Economic Growth, Says New Report
Canon and Nikon Fail to Deliver Full Frame Mirrorless
More birth defects seen in parts of U.S. with local Zika spread
Arundo #Analytics Raises $25M Series A Funding
Platform Matching #Brands with #SocialMedia Users Greenfly Secures $8.5 Million Series B Financing Round
Snowflake, the #datawarehouse built for the #cloud, raises $263 Million
Artificial Intelligence (#AI) could boost revenues by 38%, employment by 10% by 2022
US #Government Report Strengthens Consensus on #Biodiesel Benefits
#Blockchain Technology Market to Triple by 2022
US #VideoGame Industry Revenue Reaches $36 Billion in 2017, up 18 percent from 2016
Cumulative Global IT Spending to Reach $15.8 Trillion in 2019-2022 growing at CAGR 5.2%
Monthly #VC Financing Digest, January 2017
Global IT Spending to Reach $3.7 Trillion in 2018, an increase of 4.5% from 2017, according to Gartner
Maersk and IBM to Form Joint Venture Applying #Blockchain to Improve Global Trade and Digitize Supply Chains
Media Giants Agree on Common HDR Platform
At #CES2018 #Android Laptop And Phone Hybrid is Most Awarded Razer Concept
CES 2018 officially wrapped today
European #DeepTech Ventures to Watch out for in 2018
The 4th Annual Video Showcase will address the theme: "Transforming the #STEM Education Landscape", May 14-21 2018
Zika Virus vaccine shows significantly higher immune response with Needle-free delivery
2018 #Tech Industry Revenue to Reach Record $351 Billion
#CES 2018: Artificial Intelligence (#AI), Sports #Tech, Smart Cities, Design & Source, High Tech Retailing and Digital Money
Good fences make good neighbors but it's more about border security technology
11th annual Border Security Conference, 21-22 February 2018, Rome
2017 Record Year for London and UK #Tech Investment
Augmented reality (#AR) and virtual reality (#VR) technologies are positioned for record growth in 2018
#AI and #IoT Use Cases Will Drive Demand for Next-Gen Databases in 2018
Scientists Map the Genetic Code of Peanut
BIRD – Israel-U.S. Binational Industrial R&D Foundation to Invest $7.75 Million in 9 New Projects
Brain-Computer Interfaces (BCIs) in the New Report From The Economist
#Agritech: Speed breeding is a new technology to accelerate crops
#Semiconductor Fab Equipment Spending on Rise
#NoSQL: Workshop on how to use RavenDB 4.0
#OpenSource & #Linux Events in 2018
New #Technology Adoption Creating Potential #Employment Crisis in Europe
Sales Development as a Service Platform OutboundWorks Inc. Raises $2.25 Million
NodeSource Secures $17.5 Million in Series B Funding
#InsurTech: The 2nd Annual Connected Claims USA Summit, May 21st – 22nd, 2018, Sheraton Grand Chicago, Chicago, USA
The Chinese Model gains traction in the global #manufacturing industry
General Fusion achieves first plasma in new machine
Apache Software Foundation (#ASF) Announces #Apache #Hadoop v3.0.0
Top 10 #Technology #Trends for 2018
IBM Announces Industry-Wide Collaboration to Accelerate #QuantumComputing
Vayyar Imaging Raises $45 Million Series C Financing Round
Conversational #AI Platform Kasisto Raises $17 Million in Series B #VentureCapital Round
#Startup Accelerator FounderTrac Announces its 2018 Cohort
Worldwide sales of new semiconductor manufacturing equipment will increase 35.6 percent to US$55.9 billion in 2017
2018 Hot Consumer #Trends: #Technology Turns Human
The Linius Video Virtualization Engine™ (VVE) is now available on Amazon, IBM and Microsoft Azure
CEVT joins the startup accelerator MobilityXlab
Credible Raises $50 Million in Australian IPO
GE Power to Cut 12,000 Jobs Globally
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