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Federica is co-head chef and owner of Fico Restaurant in Hobart with Oskar Rossi. Four years ago they came together in the North of Italy. Following a year of travel and pop-up restaurants, searching for the perfect location, they landed in Oskar's hometown of Hobart, and founded Fico.
Established in 2016, Fico combines the European heritage of both Federica and Oskar, showcasing their personalities and sense of culture through their dishes.
Inspired by their respective backgrounds in fine dining establishments, Fico is a neo bistro blurring the lines between fine dining and a traditional bistro... they call it fun dining.


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With guests from around the world, including Rob's family in Germany, this wedding was a world class production in every way! From the views and ambiance of the bridal suites Rob & Lisa chose at the Sheraton Portsmouth Harborside Hotel to the crisp end-of-summer August weather, it all made for an unforgettable day. Can't wait to put together the full story of this wedding!
Big shout out to all the other vendors that played a part in this production:
Bridesmaids dresses | Madeleine's Daughter
Cake | Three Sisters Cake Shop
Ceremony rentals | Marshall Rental
Flowers | The Flower Room
Hair & Makeup | A+ Beauty
Suits | Tuxedos & Suits with Style
Wedding Ceremony Guitarist | Dwight's Wedding Guitar
Wedding Gown | Madeleine's Daughter
Wedding Invitations | Gus & Ruby
Wedding Coordinator | Brilliant Events & Promotions
Wedding Reception | Mombo Restaurant
Wedding Photography | Chris Keeley Photography
Wedding Transportation | Seacoast Trolley
Wedding Videographer | Timeless Media
Enjoy this preview! A full feature will follow.

subset: commoncrawl


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Equity Index Highlights - July 2018 edition
Equity Index Highlights - July 2018 edition
Market Briefing
Zubin Ramdarshan, Head of Equity and Index Product Research & Development
Facts & figures
News section
In June, Eurex finalized its work on EURO STOXX 50® options with month-end expirations.
- We launched the new products on 9 July. They are another part of our buy-side initiative as they meet the needs of insurers and other market participants that offer pension schemes tracking an index with monthly calculation dates.
- EURO STOXX 50® month-end expiry index options have been listed in response to requests from the market to allow the transition from OTC into an exchange cleared environment.
The first deals of Swiss equity derivatives have been arranged on our RfQ platform EnLight following the extension of our product range to cover equity options and equity index options on Swiss underlyings.
- Within the first three weeks after the launch - that is between 19 June and 11 July 2018 - we have already seen 30 requests, 43 responses and a total of 10 deals arranged on Eurex EnLight in this segment.
- We will continue to extend Eurex EnLight into the equity derivatives space according to clients' needs.
- We are planning to launch EURO STOXX® options in the first quarter of 2019, and we are currently analyzing whether further segments will be launched in between.
Block trades or central limit order book? EnLight-ment and Improve-ment may be the solution.
- We at Eurex spent a lot of our innovative power to create new market models under the MiFID II framework that meet both the regulator's need for transparency and the industry's need for discrete execution of large orders.
- In parallel with Eurex EnLight, our selective RfQ based service, we are working on another new service that we named Eurex Improve. This market-driven solution is designed to increase interaction of customer flow by introducing a price improvement competition in the order book. More news to follow.
TRF marked another Open Interest record at 496,000 contracts. This equals roughly EUR 17.0 billion.
- Average Daily Volume is now at 5,500 contracts (year to date), which translates to EUR 200 million.
- The product has seen a gradual increase in the repo rate over the last few months. In June, the curve jumped significantly with TRF spreads turning negative on the September and December expiries.
- This means that the repo rate has increased and reverted to positive. For the September 2018 expiry, this is a 36 basis points move in a month for the December 2018 expiry it is 28.5 basis points.
Eurex Group on
© Eurex Frankfurt AG


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Faced with an assortment of leftovers tonight and heading out on the road, it made sense to create something to clean out the fridge. A bit of fusion here, a touch of Italy, a bit of France, a whiff of Kentucky, and country-style in each case.
I started by slicing one Italian sausage into rounds and browning them in their own fat in the bottom of an iron skillet. Poured off the excess fat, then added a leftover chunk of pork loin (about 6 ounces, prepared charcuterie style the other night) cut into one-inch cubes. Stir to brown, then add one cup homemade tomato sauce (although canned would do); one small onion, sliced thin; two carrots, peeled and sliced thin; one green pepper, diced; one potato, peeled and cut into large cubes, and one small turnip, peeled and cut into small cubes. Salt and pepper to taste and a dash of fresh oregano; and a bit of water because it all looked too thick. Cover and simmer over low heat for about 45 minutes or until the vegetables are all done, stirring occasionally.
All the root vegetables gave it a real wintry quality and stretched the relatively small amount of meat enough to feed two hungry adults and leave plenty of -- you guessed it -- leftovers. A hearty Languedoc red wine went very nicely with it indeed.


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prevention protection and cure/
In Central Texas, our winter is on the horizon. It's hard to predict this year what kind of winter we'll be having since it's unseasonably warm right now when fall has almost left us. Whether we are in a truly four season region or a mostly two season region, managing another cold and flu season is what we all will do.
How do we prevent exposure?
How do we not get sick?
How do we take care of ourselves and our families when we do?
You might think that the only prevention is a 'shot' and the only cure an antibiotic…
Nature is abundant with plants that possess anti-viral, anti-bacterial, & anti-inflammatory properties. Culinary herbs like thyme, sage and rosemary have them. Berries and sprouts have them. Garlic, ginger and onions have them! We can look to the organic and natural world for our cures and our preventions. Modern medicine like traditional and ancient medicines has in fact done just that with penicillin being discovered in green mold and the Tamiflu vaccine being derived from the spice star anise.
You've got protection right now and every day in your kitchens, gardens, and in the produce section of the grocery store. And beyond that, we are about to fill your medicine cabinets with an abundance of remedies and preventions. You will be able to depend upon these non-pharmaceutical over-the-counter-style cold and flu patent medicines from the traditional Chinese medicine pharmacopoeia. The TCM/OTC (Traditional-Chinese-Medicine-Over-The-Counter) Patent Pharmacy is waiting to be yours.
Before we dive into learning the remedies themselves, most of us will need a broad view and an armored shield of information to support our confidence and our choices. Let's cover it all so that we ARE that confident and smart.


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How Hot Investments Burn the Little Guy
Commodities Trades Can Rapidly Sour; Mr. Snell's Dice Roll
William Snell, a Missouri farmer, knew commodities cold: He grew up around corn and soybeans, and figured he could make money in the futures markets. Instead, he lost more than $1.7 million trading everything from soybeans to cattle futures.
George Roffman, a Florida doctor, last year lost nearly $1.6 million trading commodities such as crude oil, gold and unleaded gasoline -- in four months. Jaca Collins, an Atlanta homemaker, invested $170,000 in heating oil, financial futures and options -- and lost nearly all of it....


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Past , Repeating Last :
Five Walls | Melbourne
September 2017 | Group Show
Gabrielle Amodeo | Ruby Joy Eade | Yolunda Hickman
exhibition text:
Communication is play. Like playing a fish on a line, we reel it towards us and play it out in a tug-o'-war of understanding. Like a game, we play at communicating, observing rules and noticing when the rules are broken. We play a role when we communicate, taking on positions and personas. As with a machine, communication has a degree of play or give or slack in the spaces that mechanisms of understanding move through or operate in. And communication is flickering and fleeting, sometimes entirely ungraspable, like the play of light.
Ruby Joy Eade's work explores connections between empathy and communication, inter-personal relationships, and the vernacular languages of public and private spaces. Eade's work sets up a two-part query: in a time when data and content grows exponentially around you, how does one make sense of it all? And where is a place that simultaneously offers anonymity alongside the promise of a response in times of desperation? When everything seems too much, there is a comfort in the online forums; scrolling through the stories like yours as well as posting your own cries for help. Eade categorises, organises and distills the chaos of these online worlds. The sculptural text works He said she said and Collected works gathers and massages text from internet relationship and advice forums. Intimate stories anonymously shared online are met with a calculated system where Eade pulls apart the components of narrative into different groupings based on word/phrase type and function. The resulting lists, absurdly long, tumble to the floor and collide back together, returning to emotive chaos.
In Intimacy and the presence tense: iteration 9, through the performance and resulting trace objects installed in the gallery Gabrielle Amodeo embodies the role of storyteller. Seemingly unrelated objects are woven together through language and anecdotes shared by the artist. Intimacy and the presence tense: iteration 9, builds each time the work is shared, following in folkloric traditions with each retelling changing the story itself; as a reflection of communication as a malleable and imperfect form that can define meaning as much as convey meaning. Amodeo acts as travel guide through words and experience: she conjugates the verb 'to love' to explore the phrase as a collation of concepts, translated and explored through essaying, stacked booked spines, shared messages, shared experiences and a story of thievery connecting an ink drawing of a fish to Damien Hirst's formaldehyde tank, printed three times, annotated once. Through communicative repetition and repositioning, revolving non-lineal narratives address the same things said in different ways slightly shifts the meaning of the story each time.
Cutwork is an on-going series of watercolour and gouache paintings by Yolunda Hickman. Constructed by layering children's stencils, the images are obliterated through stacking of space and filled with clashing form and colour: dinosaurs disappear into Noveau-style roses, Chinoiserie motiffs in teal and red throw out spaceships, blushing tie-die designs frame a tiger form. Pattern is used as a compositional device to imply continuing forms which are then disrupted by content, in turn upsetting the pictorial space. En masse, Hickman's paintings push and pull between different states, resisting being pinned down: their frieze-like configuration acknowledges the decorative—and they are beautiful—but also too reckless in their colliding patterns and colours to be simply decorative; their pictorial spaces are flattened but somehow three-dimensional; they are elegant despite the child-like motifs. The paintings play form against content to subvert semiotic expectations of image construction, and how a viewer discerns meaning in images: the signal from the noise.
Passed , repeating last : was a group exhibition at Gallery 2 (Five Walls), addressing the boundaries of communication. Ruby Joy Eade, Yolunda Hickman and Gabrielle Amodeo have practices rooted in the operations of communication, and each reworks found elements—whether they be language or object. Using systems, formulas, tasks and performance, the artists revel in the play found in the human necessity to communicate with one another.
Click here for Five Walls website
Photographs by Brent Edwards


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Yes, I am Wearing A Catsuit. Yas, I Am Feeling Myself!
Hey Y'all!
There are 3 details to keep in mind when wearing a catsuit.
#1: SPANX are Ya Friend. It provides a great foundation.
#2: Buy it in the right size and material. No one wants a camel toe.
- Get the Deets -
| NY&Co Racing-Stripe Catsuit |
| Merona LuLu Block Heel Sandals |
| YSL Wallet on Chain |


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Festival of Oak Details
The 2nd annual Festival of Oak this Saturday, October 14, will be one rocking celebration of all things barrel aged. Join us at the tasting room from 2pm to 8pm for an incredible event with some of our wildest beers yet. To help you get the most out of Saturday's celebration, here are the details of the event.
All beers are $5 and require the purchase of a special 10 oz tasting glass, which is available for $5 at the check-in booth immediately as you enter. We'll have two beer tents set up in the parking lot. Tents are cash only, but you can also buy beer tickets at the tasting room bar inside.
The following beers will be on tap in the tasting room:
Vanilla Silla
Pash Bash
Feelin' Lucky
Amaretto Cherry Feelin' Lucky
Golden HO/RYE/ZON
Livid Dreams
Amaryllis (barrel aged 6 months)
Imperial Dark Farmhouse (barrel aged 1 year)
Lightness of Being
Coffee Sour
Fresh Hop Coolship
Gin Tipper's Grove
Cinnamon Tipper's Grove
We'll also have two tents in our parking lot, which will have the following on tap:
Vanilla Silla
Amaretto Cherry Feelin' Lucky
Fresh Hop Coolship
Coffee Sour
Gin Tipper's Grove
Tent's will be open until beer runs out or 8:00 pm.
Bottle Release:
We'll be selling bottles of Spontané and Spontané: Bramble, our first coolship beers that are ready for release. These 100 percent spontaneously fermented beers were inoculated overnight in our custom-built coolship and then aged in oak barrels for more than a year. Bottles are $18 for Spontané and $20 for Bramble Spontané with a limit of 2 of each per person.
Bottles will be released at 2pm at the tasting room bar counter, where cash and credit cards are accepted. All limits are subject to change, at anytime, without advanced warning. No reservations, online sales, or phone sales. All bottles are first come, first serve.
The Fabled Rooster will be doing a pig roast at the event, and will also offer potato salad, sesame ginger coleslaw, vegetarian baked beans, fried zucchini, sweet potato fries, and mac and cheese.
Live Music:
2:15 John Keston
3:15 John Swardson
4:15 Adam Svec
5:15 Fathom Lane
Bag toss
See you out there.


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All times ET.
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Free Day
at Norman Rockwell Museum
Entry into the Norman Rockwell Museum is both a trip into America's past and a fantastic journey to lands unknown. And on May 18th visitors can have their passports to these distant destinations stamped for free.
To celebrate the ninth annual Art Museum Day, the museum will offer free admission that day, joining hundreds of other institutions across North America in recognizing the arts and the important role that art museums play in communities.
This year, Norman Rockwell Museum is presenting exhibitions on the art of Norman Rockwell, pulp fiction artist Gloria Stoll Karn, as well as the final days of Never Abandon Imagination: The Fantastical Art of Tony DiTerlizzi. Museum curators will give a special tea and talk about the DiTerlizzi exhibition at 1:30PM.
Known for his multi-million bestselling book series, The Spiderwick Chronicles, DiTerlizzi is celebrated the world over for his images of such fantasy creatures as fairies, trolls, sprites, and goblins. Never Abandon Imagination showcases more than 200 original paintings and drawings, starting from DiTerlizzi's work in tabletop games, such as Dungeons and Dragons and Magic: The Gathering, to his many imaginative children's books.
The theme for Art Museum Day 2018 is Hyperconnected Museums a recognition of the many ways in which museums serve as central points of connectivity within their communities, both online and in person. Art museums are often anchors for public spaces and neighborhoods, and they partner with school systems and civic organizations in ways that make their towns, cities and regions better places for everyone.
Norman Rockwell Museum holds the world's largest and most significant collection of art and archival materials relating to Rockwell's life and work while also preserving, interpreting and exhibiting a growing collection of art by other American illustrators.
Located on 36 acres in Stockbridge, Rockwell's hometown for the last 25 years of his life, the museum is open seven days a week, year-round, except for Thanksgiving, Christmas, and New Year's Day. Museum hours are May through October are 10AM to 5PM daily and 7 PM on Thursdays in July and August. Regular admission is $20, $18 for seniors, $17 for military veterans, $10 for students, and free for children 18 and under.


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Written By: Danyelle V
Is lipstick your biggest Vice?
Who else drooled as they watched Urban Decay launch their Vice lipstick line? Tell me I wasn't alone when I tasted the bitterness of jealousy as some of our favorite internet beauty gurus opened their PR boxes to 100 beautifully packaged lipsticks.
The bullet style lipstick tube is a mixed metal, mirrored finish. One of my favorite room decor palettes includes mixed metals. The purplish gun metal pairs so well with the pale yellow gold. Both the lid and the lipstick have been stamped with a gorgeous UD. The base of each lipstick has a sticker whose color matches the lipstick in the tube. Which, as you all already know, is one of my favorite things!
Safe Word comes in the comfort matte finish. It is a nude brown with a bit of yellow to it. The comfort matte finish is aptly named. Safe Word feels like silk on your lips. While it doesn't leave you with the traditional total matte finish of a liquid lipstick, it saves you from feeling dehydrated all day.
This next shade is Phone Call. It is a Sheer finish which has more luminosity. With just one layer of Phone Call, you've added a glossy, warm pink tint to your lips. For more color, just layer on the lipstick until you have the opacity you desire. The shade build nicely without balling up on your lips.
The shades of the Vice Collection are available in Matte, High Shine, Metallic, Satin, and a Shimer finish plus the two I showed you here. If you use liquid lipsticks and can't see yourself going back to bullet a style lipstick, I've got some news for you! Urban Decay is set to launch Vice Liquid Lipsticks very soon! End of January!
Available at Sephora; $17
Product Photo from Sephora.com
Photo taken with iPhone 7


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We were glad to host #asechat tonight and we have tried to capture the most interesting threads in the Twitter Collection below. The chat was a bit quieter than usual, but that was to be expected on Easter Monday. However,…
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Hi! We're Azure and Shawn Marhanka. Thanks for visiting our site!
We're a young couple from Northwest Arkansas, USA (WOO PIG!) who has discovered that the best way to enjoy and understand this amazing thing called life is through travel. We got married in August of 2014 and have built our lives around being mobile and fulfilling our dreams of seeing the world.
About Azure
How my travel story began: I went to college for a pre-medical degree and changed my plan of action 3 months before graduation. After I graduated, I had some time to figure out what I actually wanted to do when I grew up, so I got a job as an au pair in Spain for the summer. Once I got there, I hated it (that's a story for another day!) and was "stuck," if you will, in Europe for the summer. My parents and my boyfriend at the time (who you'll meet in a sec) tried to convince me to come home, but I knew I had an incredible opportunity, despite being way outside my comfort zone. I stayed in Europe and traveled all over the continent that summer and my life was forever changed.
How my travel story continues: I went back to school to become a nurse in 2014 and within a year, I was on the path to being a travel nurse. As a travel nurse, I take contracts anywhere in the USA and typically work for 13 weeks at a time. In between contracts, I'm fortunate enough to travel overseas with Shawn, friends and family. A portion of this blog focuses on travel nursing because when I started out, I had no idea what I was doing and I wanted to provide valuable information to those with a dream of being a travel nurse. To find out more about travel nursing, click here!
How travel has changed me: I never considered myself sheltered by any means, but traveling has opened my eyes in more ways than I ever thought possible. The biggest thing that it has given me is cultural acceptance and appreciation. Learning about tradition, culture, etiquette and beliefs of different cultures has let me see the world in a different light. What I love even more is that even when I've been in a place with a completely different culture than my own, I am still able to relate to them in some way. It's a nice reminder that at the end of the day, no matter our differences, we are all human and should be treated equally as such.
Favorite country: Switzerland
About Shawn
How my travel story began: I grew up in central Arkansas in a little 'ole town called Benton. The only trips I had taken at the time were visiting relatives. Thankfully, I had an aunts and uncles that lived in Colorado and Alaska. At this point in my life, I still hadn't caught the travel bug yet. Fast forward to post college, my girlfriend (now wife) decided she was going to spend 3 months in Europe. I thought: there is absolutely no way I can go without seeing her for 3 months, but can I really afford to go on this trip? I was at the point of buying my plane ticket and complaining about the price to a couple of my best friends. After listening to me talking about money, my friend Nathan replies with a statement I will never forget. He said, "dude, will you remember a couple thousand dollars in 10 years or will you remember spending 2 weeks with your girlfriend in Europe?" That statement put everything into perspective for me and I bought my ticket the next day. I will never forget the first time I got off the subway in Madrid, walked up the stairs and saw my first city outside of the US. My jaw was open for a good 5 mins in awe and after 2 weeks of traveling Europe with Azure, I was hooked.
How my travel story continues: I'm currently a contract computer programmer that works from home. I basically have a really cool boss that is OK with me working from anywhere in the world as long as I get my work done. It provides an active source of income while we travel in between Azure's assignments, which is a huge benefit.
How travel has changed me: One of the biggest changes in my life is realizing how much stuff I do not need. This is especially true when you are traveling out of a backpack. Azure and I have learned from travel nursing that we are chronic overpackers. Each contract we get better and better about packing lighter. For example, our first contract I brought about 10 nerd shirts to wear for working or lounging around the house. I ended up wearing 3 of my favorites and the other 7 sat in the drawer for 3 months. Another change is realizing how lucky we are in the US to have clean water that we can drink right from the sink. After experiencing a few places where you had to drink bottled water or risk getting sick, I quickly realized how much I had taken for granted. One of my last main changes was experiencing first hand that everyone is different. Just because someone is different in the way they live, look, dress or pray doesn't make them any less or more than you. We are all human and it is awesome to experience just how different humans can be across the world.
Favorite country: Costa Rica
We're excited that you have decided to be a part of our community! This blog was created (by Azure, mostly) to inspire and to inform. I want everyone to realize not only how financially feasible traveling can be, but how it can change your life.
Thanks again for visiting! I hope that this blog gives you valuable information and inspires you to either start traveling or travel more!
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Cheers! Ciao! Prost! Salute! ♥


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Visionaries. Leaders. Community Builders.
Our partners believe that the whole is greater than the sum of its parts. Our partners include everyone involved in a project. Lenders, contractors, community leaders and everyone in between who are building their own legacies.
Sometimes people ask me, "what's your dream project?" What I describe when I share that with people, is what was shared when I learned about New Market West and Eastern Lofts.
Relearning the basics of real estate investing with Ken Weinstein - with more experience and purpose, makes workshops such as Jumpstart Germantown that much more impactful. Being profitable and being socially conscious do not have to be 2 separate things
A true trailblazer, Emily Bittenbender visited the Women's Leadership Initiative (WLI) of the Urban Land Institute (ULI) and shared her approach and mindset to become one of the leading construction firms in Philadelphia.
"Legacy. What is a legacy?
It's planting seeds in a garden you never get to see."
The purpose of the Legacy Collective blog is to spread the word on topics relating to social impact development.
Building a legacy is not something that happens overnight. Here are a few highlights of PROJECTS that I've done over the years.
My journey started over 10 years ago and these are just some of the projects I've worked on over the years. Many of them are in areas that are currently being gentrified, which happens when developers focus on providing a product for one type of customer. My point in sharing this is so you can see my ability to identify areas and properties that have major potential for growth. Obviously I'm not the only person who has this ability- but most developers target selling or renting to a luxury buyer or renter. I see nothing wrong with that, but my intention isn't to focus on just one area of the market, since everyone, not only those in a higher tax bracket, needs a place to live.
I'm Beverly Garces Buella. I've worked in residential real estate development for the past 10 years - as a broker, an agent, a landlord, and a developer. Most of my projects have focused on single family residential properties - in areas that have been experiencing growth throughout Philadelphia - Point Breeze, Temple, University City, Kensington, Whitman, Mount Airy, Germantown, and the suburbs.


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Once we reached the final battle, people started gathering around the ring, ready to encourage their favorite team.
When everything was ready, the first two contestants jumped on the inflatable stage. Our referee whistled and the weakest competitors started to fall from the stage one by one.
The count was 3 to 1 but then it got 3 to 3; the two groups tied and the game became much more exciting, 3-4, 4-4, 5-4, … Finally, the second team fell behind and lost all its possibilities. The die was cast and the best team won.
At the awards ceremony, the team that had finished in the second position won a bag of candy but, while they were proud of having come so far, their smiles went away when they saw the first prize: a brand new iPad Mini for each member of the group.
Both groups ended up shaking hands and laughing out loud and talking about everything they had to go through to make it to the final round. We all ended up as friends and this day will be always remembered as the Epic Final Battle Day!


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Statement from VT Republican Party Chair Deb Billado
on Gov. Scott's Budget Address
"Three weeks ago in his State of the State Address, Governor Scott told Vermonters he wants to expand the workforce, reverse Vermont's demographic trends, incentivize community development, and tackle the affordability crisis head on. Today, in his budget address, Governor Scott delivered on his vision for Vermont, offering the Legislature a responsible and specific path toward real progress on all fronts.
"Vermonters know Governor Scott has their concerns front and center, and his budget contains no new taxes or fees for the second year in a row while making sound and targeted economic investments in our state. Governor Scott is a leader who continues to demonstrate that with an honest assessment of the challenges we face, responsible stewardship of taxpayer dollars, and careful investments in our citizens and communities, we can improve our state for everyone.
"The Governor is addressing the challenges Vermonters face now, instead of pushing them down the road so they become insurmountable. If legislators respond to the Governor's budget and work with him in good faith, we can eliminate the taxation of senior's Social Security benefits, carefully and generously reverse the education spending crisis, care for the vulnerable in our communities, and grow the economy and make Vermont more affordable so that our people can stay and still others will come. Governor Scott is working hard for all of us, making strategic choices, and providing clear and optimistic leadership, something everyone can support."


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Global Offshore Wind 2014
Global Offshore Wind 2014 will take place from 11th to 12th June at the Scottish Exhibition and Conference Centre (SECC), Glasgow UK.
RenewableUK presents the association's 13th annual offshore wind energy conference and exhibition. Located on the north bank of the River Clyde SECC is Scotland's largest exhibition centre.
The UK's installed offshore wind capacity is greater than the rest of the world's combined and has an active, well established, local offshore wind industry, complemented by strong involvement from key international players.
Attendees at Global Offshore Wind 2014 will have the opportunity to learn from conference content especially crafted to plug into the UK's world leading industry expertise, products, services and investment potential. Emerging markets will also showcase their strengths and opportunities.
The exhibition showcases manufacturers, developers, service suppliers, consultancies, government agencies, national pavilions and other specialist services. Global Offshore Wind 2014 is an opportunity to learn about and do business with the offshore wind industry, and for exhibitors to promote their capabilities.
RenewableUK expect Global Offshore Wind 2014 to be attended by over 3,500 participants. Companies already booked include DONG Energy Power (UK) Ltd, Gamesa, RES, REpower Systems, Seajacks, Siemens Wind Power A/S, The Crown Estate, Vestas and other major industry players.
For further information:-
Global Offshore Wind 2014 Registration >
Global Offshore Wind 2014 Event Preview >
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This does not exclude the owner's assertion of copyright over the material.
Exploring the Future of Maritime in Amsterdam
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Global Offshore Wind 2018
19 - 20 June 2018
Manchester, UK
Round The World solar boat Turanor PlanetSolar
MS Tûranor PlanetSolar is the largest solar boat in the world. This 35 metre (115 feet) catamaran operates solely on…


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Slight Change of Focus
Problem-solving is a two-word phrase. When a friend, colleague or team member comes to us for advice, or when we are doing our own problem-solving, we have a tendency to focus on only one half of this two word phrase. Too often we focus on the problem and not the solving.
Focusing on the problem is a backward-looking activity, whereas focusing on the solving is a forward-looking activity. Problems cannot be changed. Solutions can be implemented. We lose energy when we focus on the problem. We gain energy when we focus on the solution. A solution-focus is not ignoring the problem. A solution-focus actually solves the problem rather than talk about the problem. Review the following question pairs and pay attention to mind and body sensations. You will see what I mean.
This insight was discovered while reading "Quiet Leadership" by David Rock


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The Ford Museum; it's a living tribute to Henry Ford's incredible vision to preserve the Industrial Revolution as it unfolded for future generations to see and appreciate.
And interestingly relations between Ford and Chevrolet haven't been as adversarial through the years as one might think. In late 1954 GM donated a brand new 1955 Chevy Bel Air to the Ford museum, and that same '55 Chevy Bel Air has been on exhibit there ever since.
And that spirit goes on today in the 21st Century. Patricia Mooradian, President and CEO of The Henry Ford announced General Motors has contributed $5 million to The Henry Ford Museum.
"We are honored to welcome General Motors as a Partner in Innovation," said Mooradian. "This gift of $5 million is a game changer and allows us to deepen our community impact with innovative experiences and new exhibitions and programs in Henry Ford Museum of American Innovation."
In recognition of GM's historic gift, The Henry Ford announced that the flexible gallery space in Henry Ford Museum of American Innovation will now be known as The Gallery by General Motors.
"General Motors is working to drive sustainable change by supporting organizations that help build brighter futures for students and promote workforce development," said Mark Reuss, Executive Vice President of Global Product Development, Purchasing and Supply Chain of General Motors. "We can move toward a lot of those goals by supporting The Henry Ford."
The Gallery by General Motors will host a wide variety of national travelling exhibitions including Enduring Ideals: Rockwell, Roosevelt & the Four Freedoms on display fall of 2018. Currently, The Gallery is hosting The Science Behind Pixar now through March 2018.


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The dorm rooms are slowly becoming more manageable.
I'm having a pretty good time with the rest of the Hopewell crew here on campus, and we are cruising into the third day after the five mile "race" workout this afternoon. I had a decent time, but the final 5k evaluation at the end of the week will let me see where I am compared to last year. I don't think I'm in the same shape as I was, but time will tell. For now, I just have to worry about stretching and eating.
Go out and die like a pig.
-Doug Watts


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There is always something that goes on behind the scenes. I think we can all agree on that.
This is true in the movies, in TV shows, and in life. And, especially in the movies, we love it. We love to see the plot twists. We love for our beloved characters to be developed and for them to go through something we never saw coming.
In life though, we aren't always as big of a fan in the story behind the story.
We aren't all that enthralled with the story behind the story because often it enlightens our mind and our heart to the fact that not all is as good as it seems from the outside looking in. This is especially true in leadership. A leader is someone who influences others. Now, that influence can be both positive or it can be negative. When a leader is good at what they do, when they're sincere, when people follow them and believe in their cause…we love to follow their story. And, often times we may wonder and think, "I wonder what they are really like"? So often, we really don't ever get the chance to know the leaders we follow. I mean, we know them from afar and know some of their thoughts from Facebook and twitter, but rarely do we get a chance to sit with them and actually hear their heart.
Because I love relationships and I love to hear people's stories, that's why I'm always curious with their Story behind the Story.
You see, it's really easy to present our Story to the world. It's easy because we can craft it anyway we want.
But, it's not so easy to give our world the real story behind our story. Our story behind the story is real offering of what is going on in our heart. And, that's scary to share. Honestly, that's hard to deal with on our own.
I have met so many people who have been so burned emotionally and mentally because they took the plunge to share their story behind the story with someone. Everyone had moments in elementary school when we told our friend a secret, only to find out they told someone else or the rest of the class. And the amazing thing is…we can still remember when that happened! The reality is…it still happens to adults.
We take the plunge and decided to be transparent and authentic with someone, only to find out that they share our story behind the story with someone else. When that happens, often, we feel betrayed and then we start to put the walls back up. We put the walls up to protect our heart and emotions from the pain of getting hurt and we begin to protect our story behind the story.
There's always a story behind the story. So often as a leader, people have approached me and said…"Ok, what's really gone on" or "What's the real story"? People ask that when they begin to sniff out the reality that there is a story that doesn't seem to make sense and they want to real details. They want the truth and they want to know what's really going on.
Have you met someone that just doesn't give you much of their story? You may work with them and one day you find out that their family is going through a tough time and when you act surprised, it doesn't even register with them that they could have told you much sooner. Or, you build a relationship with someone and it's going well and you start to notice that they never seem to want to go deeper. Deeper is a good thing for relationships. Deeper is a sign of trust and a seal that the bond of this friendship is going to last. It's hard when only one person in the relationship will tread to those waters.
So, what's your Story behind the Story?
What's holding you back from sharing it with someone you've been building a relationship with?


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In November there was an article that was widely circulated among Christian circles entitled, How to Raise a Pagan Kid in a Christian Home. It was thought evoking and in general seemed to address the issue of ensuring your child grows up embracing the Christian faith complete with a Christian worldview. This is certainly something every Christian parent can resonate with. Although interesting, I did not pay it much attention until a sequel was posted by the author a little over a week ago entitled, "Pagan Kids" Part 2 – Five Keys to Guiding Your Kid to a Faith that Lasts. The author—Barrett Johnson—began by commenting on his first article;
It resonated with a lot of people. Other people absolutely hated it. Had I known that more than half a million people would be reading it, you can be sure I would have chosen my words more carefully. Phil Robertson can probably relate.
The most common response I have heard from people who were intrigued by the post has been "What do I do now? What does it look like to parent with a gospel focus? How does an Imperfect and Normal Family like mine raise my kids to have a faith that lasts once they leave home?"
The bad news is that there are no formulas. As I have posted before, there is no secret recipe that will guarantee that your kids will develop a sincere personal faith. Everybody makes their own spiritual choices. Forcing your faith on your kids will probably not end well. But there are some things that parents can do that can create an environment where God can get to work in our homes.
Put another way, how are we to ensure our children grow up embracing the Christian faith with a Christian worldview? This seems to be what Mr. Johnson is addressing. He goes on to state his five keys. This is the place at which I believed someone needed to step in and shift the ground a bit underneath Mr. Johnson's feet.
The question must be asked, what was the status of the children in question prior to embracing or not embracing the Christian faith? We can all agree on the end and its importance. We want our children embracing the Christian faith and worldview. That said, what about where they begin? I understand that the author's intention was not to highlight the pagan status of young children in Christian homes. I am submitting however that practically, this is exactly the underlying presupposition in the article. The article presupposes that our children are not God's or are suspended in some sort of neutral category in need of evangelizing prior to discipling them. For the half-million people interested enough to read his first article, I want to state that it is of utmost importance that we begin at a different starting point with our children. It is the following:
We are not "evangelizing our pagan children". If we profess faith in Christ then our children are His. We have often heard it said that "ideas have consequences". Certainly the idea that our child is a pagan living in a Christian household has drastic consequences. There are consequences to relegating our children to toddler purgatory until they are smart enough to articulate their faith or can recount an acceptable conversion experience.
We are in fact representatives raising God's children. They are de facto under His authority given that we are under His authority as confessing Christians. He delegates His authority to us as parents and charges us with raising His children. Baptism acknowledges publically that they are under the terms of God's peace treaty extended to rebellious man. This is done based on our confession as their lawful authority on earth and as those called to represent them to Christ and Christ to them.
Surely there are many keys to "guiding your kid to a faith that lasts". First and foremost would be relating to them as having their identity in Christ which was witnessed in their baptism as an infant. It is time we choose: Either we are raising God's children or we are desperately working to evangelize Satan's children running around our partially Christian household.
Find out more about the author at: CovenantalDivide.com


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On November 10, 2016, 22 men from across the country reported to Columbus, Ohio to form the roster for the first-ever U.S. Soccer Fantasy Camp for men (21+) around the U.S. MNT's 2018 FIFA World Cup Qualifier v. Mexico, Presented by AT&T.
This exclusive player/fan opportunity gave participants the chance to experience a National Team camp environment and enjoy unique behind-the-scenes access to U.S. Soccer.
Participants were joined on the field daily by former U.S. MNT players, including Frankie Hejduk, Marcus Hahnemann, Marcelo Balboa, Eddie Lewis and Josh Wolff.
In addition to VIP access around USA v. MEX and training with former U.S. MNT players, participants received official U.S. Soccer hotel accommodations and all meals, a U.S. MNT jersey and training apparel, gifts and more.
Participation in U.S. Soccer Fantasy Camps are made possible through a donation to the U.S. Soccer Development Fund, part of which is tax-deductible.
This U.S. Soccer Fantasy Camp was open to men of all skill levels age 21 and above. If you'd like to learn more about this program or the Girls Fantasy Camp, please contact email@example.com.


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Skin's microbiome FAQ/
What's the Skin's microbiome?
The skin's microbiome is the mix of bacteria, yeasts, and parasites all microorganisms that live on your skin. It sounds gruesome but we are a super-organism and a robust and diverse microbiome is as crucial to general health and well-being as any other organ.
What does it help with?
The microbiome aids in wound healing, limits exposure to allergens and UV radiation, minimizes oxidative damage and helps to keep the skin barrier intact and well-hydrated.
What's endangering the skin's microbiome?
The skin is under constant assault from environmental agents, harsh cleansers and soaps, deodorants, and even medications and cosmetics. An obsession with a sterile ideal is destroying the microbiota balance on the skin - a classic example of a ingredient is triclosan found in anti-perspirants - anti-bacterial in general - it's contributing to making bacteria resistant to anti-biotics and may increase skin-cancer and break down in the presence of UV radiation.
What can you do?
The most important thing to do is prevent antibiotic overuse and choose natural antimicrobials and antifungal ingredients like sandalwood that are selective in the impact they have on skin's bacteria and are not hoovering up all the good bacteria. Sweating is a great step in renewing the microbiome as it serves as a prebiotic. Get a bit dirty but clean up with minimalist clean beauty products that can interact with the microbiome.


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Enterprise value calculation/
Enterprise value is a calculation used to determine a valuation for a takeover target. Enterprise value is a good representation of the cost that an acquirer would incur if it were to purchase another business, since it represents the additional costs associated with the purchase, other than the market price of the shares that must be purchased. The calculation of enterprise value is as follows:
+ Market value of target company shares outstanding
+ Debt of target company
+ Minority interest
+ Unfunded pension liabilities
+ Preferred shares outstanding
- Cash and cash equivalents
= Enterprise value
For example, Blue Company is considering the acquisition of Green Company. There are 1,000,000 shares of Green stock outstanding, which currently sell at $8.00 each. Thus, the market value of the shares outstanding is $8,000,000. Green also has $1,000,000 of preferred shares outstanding, and owes a lender $250,000 on a short-term loan. The company has $100,000 of cash on hand. Based on this information, the enterprise value of Green Company is:
+ $8,000,000 Market value of shares outstanding
+ $1,000,000 Preferred stock
+ 250,000 Short-term loan
- 100,000 Cash on hand
= $9,150,000 Enterprise value
Thus, other factors have greatly increased the price of the prospective deal. By comparison, if Blue Company were looking at a more fiscally conservative target company that had no debt, but which was the same in all other respects, the valuation of the business would be notably lower.
An even more accurate variation on the concept includes the following additional factors:
Include the control premium that must be paid in order to actually buy shares - since a premium must usually be offered before shareholders will be tempted to tender their shares to the acquirer.
Exclude that portion of the cash that must be retained to operate the target company. Ordinarily, the calculation assumes that all cash outstanding is paid to the buyer as a dividend, but in reality, most of the cash is needed to fund ongoing operations.
The enterprise value concept is clearly superior to just using market value to calculate the acquisition cost of a target company. As revealed by the example, there are a number of other factors that can result in a significantly different (and more realistic) valuation than the simple market value calculation.
This is not the only method available for valuing a business, but should certainly be calculated along with other measures to arrive at a range of possible valuation amounts.
Related Courses
Business Combinations and Consolidations
CPA Firm Mergers and Acquisitions
Mergers and Acquisitions


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Young learners have to follow their ABCs to connect the dots and get a nice bunny to color in. On the second sheet there is a maze game.
Upload date: 2011-03-31 10:19:15


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In 2018 we have introduced a brand new form of tailored Professional Development by the way of Monthly Advice Clinics.
Free for members, we invite you to come along and grab a 10 minute slice of professional advice with specific focus. Plus, take the time to meet other members and browse our amazing Craft Library which is now publicly accessible for the first time in years.
"Such a wonderful initiative and I found your input really beneficial, and timely at a point where my practice is taking a different direction." February Advice Clinic Feedback
The April session is focused on branding and packaging where we invite you to come for a quick discussion about how you wrap up your practice for market – be it literally packaging, or branding such as logos, bylines and overall visual narrative in your graphic design.
Bring in samples of your packaging, logos and other related branding.
This month we have:
Tyler Verbeek, House of Home
Viktoria Laux, Craft Victoria
Eliza Tiernan, Craft Victoria


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I feel like I'm not giving myself quite enough credit for sticking with this routine of writing and exercising.
Every morning when I wake up and I get stuck in the middle (or even the beginning) of a workout, I give myself a bit of a metaphorical slap and wonder why it's so difficult for me.
It's because I'm still learning. But, apparently, this fact is unacceptable to me.
I always expect myself to "get" things very quickly and if I don't, it's not worth pursuing.
This is a pretty bad life decision to make at such a young age. I'm also potentially denying myself the joy I'll feel when I finally achieve what I'm setting out to do.
I'm going to try and take a page out of The Academy Is... playbook and just tell myself:
"Alright, alright, sloooooow down."
If I'm not sitting idly doing nothing, I'm in a rush. There is rarely an in between state for me anymore. I want to get back to that place where I would start an assignment weeks in advance so I could take my time with it and not scramble the night before to get it done. I want to get back to a place where I'm not running out the door to catch my bus/subway/ride (actually, I don't think that place ever existed for me. I'd like to create that place).
I think the basic thing I'm trying to say is, I need to stop trying to rush and catch up and understand the pace that I need to take. If that means I have to wake up earlier to get everything done in a more relaxed way, that might be what I have to do. If it means letting myself learn at the rate my body is going to learn, I have to stop berating myself that I'm not doing better.
I just have to remember what Joey once said:
No, Joey. A dinosaur wouldn't do that.
Time to take my time.
Here's the workout for today. It was all butt, all the time, and woof, did my booty ache after it was all over. If you want to make that butt shake, definitely check out these videos below.
Later days!


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Turku Hub - Report from February Gathering With NAPCON/
"To err is human. To improve is NAPCON" says the slogan. NAPCON brought a whole team of people to their presentation at the IGDA Turku Hub February Gathering.
What is NAPCON? It is a company that is part of Neste, and they make games to teach operators how to operate different complex industrial plants.
It takes years to learn to operate these systems, and previously teaching was done with normal classroom and textbook studies. Newbies got mentoring from senior operators as they learned how to run the operator systems. The idea of NAPCON is that educational games could make this process much more effective, and fun. Speaking of fun: David Hasselhoff promotes the company's games in a series of commercials.
Learning how to run petrochemical plants and biorefineries is very complicated. It takes a lot of skill to control a plant. The systems are more complex than passenger air planes. It takes years to learn all the dynamics, says NAPCON production manager Tuomo. With the game the operators can learn the basic principles and controls. So far there have not been many good tools to train the operators.
At the same time the simulations need to be innovative. The games have to be accurate representations of the real thing. At the gathering the audience had a chance to see the game in action.
The development team consists of people with different skill sets, but most have a background in chemical engineering. The team wants to make customer oriented educational games. The operators need to learn the right things. That is why the team has close contact to the industrial customers, visiting the plants and so on. Pedagogical skills are of course also important in developing educational games. NAPCON is a tiny unit, and that means they can be flexible like a startup, and make fast changes.
The learning process has also been gamified by company wide operator competitions: the operator world cup. This way the operators can also show off their skills. And like the Hoff says: it is important to stay zen and keep cool in stressful situations. This is certainly tested in the operator world cup.
Q & A with the audience:
Q: Is the UI same as the real refinery?
A: The UI is a simplification, it kind of looks similar but not quite. We wanted to make it more pleasant, beautiful and more illustrative. So you get an idea of what is happening in there. We replicate the information and the numbers, and let them learn step by step
Q: Can anyone play?
A: It starts easy… *Natasha tries the game, and fails miserably after few minutes :D* If you know nothing you might have to read something about processes.
Q: Do you have levels where there are no right answers?
A: We considered it, but situations where you cant do anything are not so educational.
Q: Will the player see what went wrong?
A: There is a "game over". When something went wrong, something was not allowed. In most situations there is feedback for how you can do better etc.
Q: You don't have a game designer in your team, how do actually get your player on board the game? Where is the game designer?
A: I would not say we don't have game designers. Most of us are multidiscipline people that have connections to game development, but we also use outsourcing. We don't have graphic designers, that is also outsourced. We are bit by bit expanding knowledge in game design, and we do have some serious hard core gamers in the team. FYI we have an office in Turku.
Q: The best learning comes from fun. How do you make it fun? Who is responsible for making the fun? And the team that won the world cup, did they get more money?
A: We don't know what the Hungarians got :D Some companies do connect the salary level to the education that operators have.
On the fun side, it's hard to make educational games fun. We have to take the aspect of the game being closely tied to the real environment, and then adding a layer of gamification around something that is complex.
Q: You said you have done this to biochemical companies, what other fields?
A: Customers in bioindustry. But with the generic games, like distillation games, it doesn't matter what industry teaches the fundamentals. Then we make tailor made games for specific customers related to their industry. These are not as fun…
Q: The score: what are the criteria for the first level and the process score? Could these be used for cruise ships?
A: Scores are tied to what we want to teach. Yes, why not for cruise ships!


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Gujarat Assembly polls: First phase to play kingmaker
The regions of Saurashtra-Kutch and South Gujarat polled their votes on Saturday. These are the regions that are the most crucial for both the Congress and the Bharatiya Janata Party (BJP) as the outcome here will decide that who would form the next government in the state.
These are the regions have been the theatres of political unrest in the last two years providing an opportunity to the opposition Congress to come out with an alternative political narrative to the BJP.
These two regions account for 89 of the 182 seats in the state Assembly. While Saurashtra-Kutch region has 54 seats, South Gujarat sends 35 MLAs to the state Assembly. Of these seats, the Congress was able to win only 16 seats in the last Assembly polls in 2012. It is in these regions that the party is looking for making maximum gains. These 89 seats are spread over 19 districts.
Many political heavyweights from both the parties have contested from these two regions. For the BJP, these include Chief Minister Vijay Rupani, state unit president Jitu Vaghani, former president RC Faldu, cabinet ministers Ganpat Vasava, Chiman Sapariya, Babu Bokhiriya, speaker Ramanlal Vora and former minister Saurabh Patel.
The Congress list includes senior leaders Shaktisinh Gohil, Arjun Modhwadia, Tushar Chaudhary, Paresh Dhanani, Kunvarji Bavaliya. Even the tribal strongman Chhotu Vasava was a candidate in this phase along with senior PAAS leader Lalit Vasoya.
It one analyses these regions separately, one comes across the diversity in the issues that would play a role in the poll outcome.
South Gujarat's city of Surat has been the epicentre of the anti-BJP protests over the last two years, be it on the issues of demonetisation, implementation of Goods and Services Tax (GST) or the farm issues. It has also been the nerve centre of Patidar politics with youth leader Hardik Patel at the helm.
The region has till now been a BJP bastion but there is a strong resentment among the party ranks on not getting enough representation in the successive governments. The common refrain is that South Gujarat has been sending maximum winning legislators but it is the BJP leaders from Saurashtra and North Gujarat who get to have the creamy posts.
It was South Gujarat that gave a victory on 28 of the 35 seats to the BJP in 2012. Of these 28 seats, 11 are reserved for the tribals, two for Scheduled Castes and three are urban seats with an equal ration of rural and urban voters.
Surat alone accounts for 16 seats of which the BJP had won 15 seats last time. The city saw large-scale job losses and businessmen being hit by both the demonetisation and the GST. The city has a large number of residents who work in the local diamond and textile units but have their votes back in their villages in Saurashtra. It remains to be seen how these issues along with the Patidar politics of Surat impacts the voting pattern in their villages where their families reside.
Among the tribal seats of South Gujarat where there is sugarcane plantation and substantial dairies, it is the issues concerning the sugar and dairy co-operatives that overrule the tribal concerns. Most of these bodies have BJP leaders at the helm.
"In the other tribal seats, the politics is around the competitive narratives of Christian tribals and Hindu tribals where the former dominate in terms of numbers. Thankfully this time there was no talk of conversion and re-conversion in these areas this time," points out a senior political analyst in Surat.
Crucial zones
Saurashtra-Kutch is expected to once again be the kingmaker in the state. The general understanding among the people is that Saurashtra-Kutch is to Gujarat what Uttar Pradesh and Bihar are to the national politics. It has been a saffron stronghold for more than the last two decades with BJP winning nearly 40 of the 54 seats.
The Congress has been unsuccessful till now to dislodge the BJP from this region. But this has not happened even with former BJP chief minister Keshubhai Patel having formed the Gujarat Parivartan Party (GPP) on the eve of the last polls.
This region has been politically very volatile in the last two years. It has been the region where Dalits have risen against the ruling BJP on issues like non-submission of probe report on Thangadh killings of 2012, the Una public flogging of Dalits, the Dalit march to Una and several other Dalit movements.
The Saurashtrian Patels have also been annoyed with the ruling BJP. The anger is on non-availability of water for irrigation, issues concerning returns on their groundnut and cotton produce despite good monsoons over the last two years.
Saurashtra-Kutch is the region where caste politics would play out in a big way. Communities like Patidars, Kolis, Other Backward Castes (OBCs), Kshatriyas and fishermen have their sway on specific seats.
The industrial development in this region has remained restricted to some pockets like Rajkot, Morbi, Thangadh and Jamnagar. This has led to the migration of men from other districts to either these places or to other regions of the state, mainly South Gujarat.
Analysts say that while the organised industry has been able to adapt to the changes like demonetisation and GST, the informal SME segment in Morbi, Thangadh and Alang in Bhavnagar have had a tough time leading to a lot of unrest. it tough in last year-and-a-half. This has also given rise to resentment in the region.
With both the Congress and the BJP understanding the dynamics very well, their leaderships mainly focused on this region. Both the Congress Vice President Rahul Gandhi, as well as Prime Minister Narendra Modi, have spent maximum time campaigning here.
The Congress played up the failures of BJP rule and the latter hit at the Congress for fomenting trouble in name of caste and its questionable track-record on development in the past. Rahul even resorted to a temple hopping spree from the region visiting pilgrimage sites at Dwarka, Somnath and Chotila even as his detractors criticized him for resorting to 'soft Hindutva'.
The Congress knows it very well that if it is to come to power in the state, it must register maximum gains in terms of seats in these two regions of Saurashtra-Kutch and South Gujarat. For the BJP, retaining its strong grip here is equally important.


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Finance Certification
- CFA Exam
- CFA Exam
- CFA Level 1 Study Plan
- CFA Level 2 Study Plan
- CFA Level 3 Study Plan
- CFA Salary
- CFA Exam Dates
- CFA Level 1 Course
- CFA Level 2 Course
- CFA vs FRM
- CPA vs CFA
- CFA vs MBA
- CFA vs CFP
- CFA vs ACCA
- CIMA vs CFA
- CFA vs PRM
- CFA vs CAIA
- CFA vs CMT
- CFA vs CQF
- CFA vs CIPM
- CFA vs CMA
- CFA vs CWM
- CFA vs Series 7
- CLARITAS vs CFA
- FRM Exam (11+)
- PRM Exam (3+)
- CPA Exam (10+)
- ICAI Exam (5+)
- CFP Exam (11+)
- ACA and ACCA (7+)
- CIPM Exam (3+)
- CAIA Exam (3+)
- CFA Investment Foundation Exam (2+)
- CIMA Exam (7+)
- CMA Exam (3+)
- BMC Exam (2+)
- CFT Exam (2+)
- NCFM Exam (4+)
- Miscellaneous (4+)
Related Courses
CPA vs CFA – The primary difference between the two are the core covers and career opportunities it provides. CPA is considered to be "black belt in accounting" and prepares you for careers in Accounting and Auditing, whereas, CFA Program focusses on Investment Management covering broad topics like Corporate Finance, Portfolio Management, Derivatives, Fixed Income, Alternative Investments and prepares you for careers in Investment Banking, Portfolio Management, Financial Research etc.
Rather than asking this question that "Which is better?", you should ask "Which is is better for YOU!"
Deciding a credential is sometimes deciding your fate because eventually your career is going to be in your chosen line. This thought itself might give you nightmares, isn't it? But believe me if you have identified your interests and know your skills well, this is not difficult.
I am assuming you may have decided to take either Certified Public Accountant (CPA) or the Chartered Financial Analyst (CFA®) as you want to boost your expertise and knowledge in the area of finance. This is in fact a good idea and one of the finest ways to go up the ladder in an industry where you wish to make your fortunes.
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This article would be helpful to those who want to find out the difference between these two certifications CPA vs CFA® in terms of exam details, requirements and career which will ease your apprehension regarding them.
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We will discuss the following in this article –
- CFA® vs CPA Infographics
- What is Certified Public Accountant (CPA)?
- What is Chartered Financial Analyst (CFA®)?
- CPA vs CFA® Exam Requirements
- Why pursue CPA?
- Why pursue CFA®?
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CPA vs CFA® Infographics
Reading time : 90 seconds
What is Certified Public Accountant (CPA)?
- CPA has been so far the most known credential for advancing a career in accounting and auditing.
- It is considered to the "Black belt in accounting"
- A CPA license is legally essential in order to do specific jobs, such as public accounting i.e. independent auditing.
- It permits you to charge for accounting services you provide to the public.
- CPA is quite useful when it comes to the corporate but essentially it is valuable in the public sector.
According to the AICPA, CPAs roughly earn 10-15% more when they begin working compared to non-credentialed accountants. Also CPAs are more attractive to employers than non-CPAs.
According to the U.S. Bureau of Labor Statistics (BLS), accountant and auditor occupations, which includes CPA's among other accounting professionals, were projected to grow by 13 percent between 2012 and 2022
What is Chartered Financial Analyst (CFA®)?
The CFA® Program focuses on investment management. The top employers of charterholders include the most respected financial corporations in the world, e.g., JPMorgan, Citigroup, Bank of America, Credit Suisse, Deutsche Bank, HSBC, UBS, and Wells Fargo, to name a few. Many of these are investment banks, but the CFA® Program focuses on the knowledge and skills most relevant to the global investment management profession from the standpoint of a practitioner.
- Investment professionals who hold the CFA®designation (or CFA® charter) meet rigorous educational, work experience, and ethical conduct requirements.
- Only those who complete three graduate-level examinations, four years of work experience, and annual membership renewal (including an ethics and code of professional conduct attestation) are permitted to use the CFA® designation. Complementary codes and standards (such as the Global Investment Performance Standards and Asset Manager Code) help enhance this professional distinction.
CPA vs CFA® Pre-requisites
|Educational Pre-requisites
|This varies by state, but typically, in order to appear for the CPA exam, applicants should have a bachelor's degree along with 120 semester hours
|You would require only a bachelor's degree.Even in case you do not have one this condition can be satisfied if you have 4 years of professional experience
|Additional educational Pre-requisites
|It generally comprises of 24 to 30 semester hours in accounting, earned through a graduate or bachelor's degree in business. Many students also pursue a master's degree in order to complete the educational requirements
|Not required
|Work Experience Pre-requisites
|As far as the work experience is concerned it would vary across states but mostly they require to have completed at least 1-2 years working directly for the CPA
|CFA® would require a four years' professional experience in related field that has a direct role to play with the investment banking process. Furthermore, they need to be the members of the CFA® institute
|Overall Pre-requisites
|To obtain the CPA certification, applicants must clear the Uniform CPA Exam, gain applicable work experience and meet additional educational requirements
|To obtain the CFA® certification, applicants must clear the CFA® exam and gain applicable work experience
Looking at the pre-requisites we can clearly see that CPA is more restrictive when it comes to the educational requirements, but once you get qualified, the process would be much faster. On the other hand, the CFA® is less restrictive and has a lower entrance barrier but it takes much more time to complete and achieve the charter.
Why pursue CPA?
- Accounting as a career choice is an in demand and will continue to be so.
- To pursue your career as an auditor, CPA would be a must or else you would be limited to only entry-level jobs.
- A CPA license is extensively appreciated as an indicator of quantitative skills and high standards of professionalism.
- Once a CPA is within this area of public accounting, you could work for any sized firm, from a large CPA firm to a small local accounting firm.
- At the firm you could work on any of these varied fields such audit, tax and management consulting.
- Also in case you want to work for any business corporate you could choose a field in financial accounting and reporting, management accounting, financial analysis and treasury/cash management, hedge funds etc. On the other side at the government end you could work for either at the federal, state or local level. There are also various opportunities available for the non-profit organizations.
- CPA in a sense is required because it will help ensure the public maintains a sense of trust. Otherwise finances in the wrong hands can be used be highly unsafe.
Why pursue the CFA® designation?
In order to get the best jobs in an investment bank you either require an MBA from on the top institutes or the second best option would be to have the CFA® designation and good relevant experience (confused between CFA® vs MBA, look at this CFA® or MBA
- The differentiating benefits of earning the CFA® designation include:
- Real-world expertise
- Career recognition
- Ethical grounding
- Global community
- Employer demand
- The sheer demand for the CFA® charter speaks to the difference it makes. More than 160,000 CFA® exam registrations were processed for the June 2015 exams (35% in the Americas, 22% in Europe, Middle East, and Africa, and 43% in Asia Pacific).For more information, refer to- CFA® Programs
Other useful comparisons
The decision to take up either CPA or the CFA® credential is dependent upon the choice of direction you want to give your career. In all we could say that each of them CPA and CFA® are quite unique and focused on areas of accounting and investments respectively. I hope this write up will help you make an informed choice for your career. All the very best 🙂
What next?
If you learned something new or enjoyed the post, please leave a comment below. Let me know what you think. Many thanks and take care. Happy Learning!
Perfect breakdown. Thank you!
Thank you for your informative graphic. Should a 39 year old working in an unrelated field pursue any of these designations? My education background is in the liberal arts. my interest revolve around geopolitics,international affairs and its effect on business. A CFA appears to be a natural choice but what of the work experience criteria? Is it worth pursuing at middle age? I know I ask the impossible but I would appreciate your feedback.
Hi, I am planning to complete my bachelors in accounting and apply for CFA. Is that a good idea?
I am Indian CFA (ICFAI) and CMA- USA graduate currently working in Holding group in UAE as Investment Manger. Planing to enhanced my career in Corporate Finance- M&A and Private Equity since most of my experienced in Corporate & project finance. Hence which degree is better for me ACCA or CFA- USA. Since CFA is more toward equity,derivative and Portfolio management.
Thanks Dheeraj,
But but what about CAIA- USA option
Thanks for breaking down the difference between CPA and CFA so precisely. I think I now know what direction I should be taking.
Thanks again
I am Indian CA and completed CPA. I am currently working for a CPA firm from India. If I do CFA, will it add value to my career and for better job prospects. I am also interested in stock markets and research.
Please let me know your thoughts. Thank you!
Have a nice day Dheeraj,first I would like to thank you for you great efforts to help students
For me Iam 31.My field of study is English Arts.I have not any prior experience with financials or commercials and for fact Iam planning to conquer this field that is why I need your advice about which one will be more appropriate for me to start with ,the CFA or the CPA.I know that matters may be difficult but I have strong will and determination to pass one of them also I have good acceptance to receive learning also I have good command with math and calculations.I have also time to study well.So please would you advise me which of them will be better for my case to have a better career later on.
Iam waiting for your response as soon as possible
Thank you in advance.
Hi Dheeraj, Thanks for the wonderful comparison. Could you please help me in selecting the CPA or CFA course for my future career path. I am into UK Mutual Funds financial reporting field with above 8 years of experience. I am a certified FRM, MBA (Distance Education) and B.COM.
Could you please help me in selecting the appropriate financial course.
Hi Dheeraj,
I am into Fucntional support role of Oracle and Financial applications in MNC (Banking). I am a BCom(H) and LLB and want to further enhance my education qualification. I have 12 years of work exp. As I am not into core accounting and feel apprehensive if I will be ellible for CFA or CPA. Any advice would be appreciated.
Is it possible to hire who has a CFA for Chief Accountant Position?
Or which is better for Chief Accountant qualification CPA or CFA?
Hey Dheeraj,
I have done engineering in computer science technology, after which I am working for a Nationalized Bank in India as PO(2 years) in which my job is to bring in new business to my branch, my bank. My job has got nothing to do much with accounts and finance.
Now, I want to grow ahead and my focus is on shifting to any developed country, I have come to know from my seniors and my mentors that CFA is a better option to go with, which can help me in moving abroad. But I don't have any idea that if CFA is going to be fruitful to me.
Kindly guide what should I pursue CFA (or any other course). Request you to also tell the duration that CFA takes in completing, what are the chances of going abroad with it. What's the exposure that one can get with this.
And also is it worth to leave a Nationalized Bank's permanent job for CFA to move ahead in career?
Hello Sir, Wonderful comparison. Regarding my situation – I have finished my B.com(india) and MS in Finance(UK) and had worked for Public accountant in UK for 2 years and recently in payroll administrator in india for 1.5 years. Now i moved to USA after marriage. Looking at the career opportunities, can u pls advice which program is better to do CPA OR CFA?? since im bit confused.
Hi Dheeraj,
This would be a bit complex situation for you to answer, at least hope that won't be the case.
I've done my bachelors in Management Studies with specialization in Finance and Investment & Portfolio Management from Mumbai, India.
I currently work in Dubai, UAE as procurement & logistics (past 4 months) and wish to pursue ahead in field of Finance.
Prior to this job, I was working as a Operations Manager & Finance controller for a logistics based firm in Dubai for a duration of 3.5 years.
I attempted for CFA Level 1 exam in Dec 2015 & have not succeeded to clear it. During my course of CFA Level 1, I kept having this thought/feeling that CFA might not be the right option for as its more to do with Banking sector, stocks/derivatives/hedge funds, etc. plus lot of theory and less of actual calculations.
I'm not so great when it comes to theory and more comfortable towards calculation based specialization field.
I do know that I'm strong when it comes to numbers and never go wrong on that. However, I do not want a typical accountant job which involves receivables, payable s, petty cash, balance sheet, etc.
I want to pursue something in finance/auditing/management. Would CPA be the right thing to go for at this stage? Or should I opt for MBA in Finance or Masters in Finance?
I'm also looking to move out of UAE soon & move to Australia (permanently), so which ever option I opt for should help me utilize this specialization in Australia & hopefully land me a decent job too.
Based on the above summary, would it be possible for you to help me out with a solution on this? Would really really appreciate a lot if you could do so.
Awaiting your earlier reply.
Many thanks.
Hi Dheeraj,
I am currently thinking of pursuing either the CPA of CFA. I started out working in Public Accounting for three years and have worked the last 8 at a global custodian bank. What would be best for me to pursue? I also have a masters in accounting.
This was a great article!
I just had a quick question, if someone was to pursue both (CPA and CFA) as their interests are split between the two, would that be allowed?
Thank you,
Saad M.
Hello Sir, Wonderful comparison. Regarding my situation – I have finished my MBA (finance) and had worked for a scheduled bank for 15 months. Now I want to add some weightag to my profile and want to pursue more knowledge in finance.
Is it better to do CPA OR CFA after our Mba
can we refer chartered accountant 3 years training for cfa 4 year working experience requirement
Good Day,
i"ve decided to pursue a career in Accounting. i"m 17 years old and in college. can i do the CFA exams with no job training. CFA appeals to me more than CPA.
hello sir I am in my bcom2 year and want to do cfa in future . I just want to ask doing pg will boost my opportunity in corporate sector or I can do any other course bt not ca .
Hi Dheeraj,
I have completed CA from ICAI. 1 year work-ex as credit appraiser. 1.5 years in accounting & finance. Now, I have to move to Canada for five years after which I do not know where I may reside. Should I do Canadian CA, US CPA or CFA? I would like to have a global recognition as I can't go on studying forever. I'm interested in financial analysis. Also is CFA very difficult to clear?
Hello Dheeraj – Excellent article and read certainly appreciate the various tips and comparisons. Would really appreciate advice on the following.
I have been working in public accounting for the past 5 years and have recently began working on clients such as broker-dealers, mutual fund servicing, asset management, etc. I have developed a strong interest in these various operations and am considering a change. Do you think the best route to potentially get an opportunity for an analyst role would be to move to the internal audit department within an investment bank and try to move internally or pursue the CFA then try switch accordingly?
Hello sir, I am pursuing CA final and done with my mcom and Cwm certification now confused whether should I move to mba carrier or cfa or public sector exams .which will be better as I am interested in financial carrier as analyst wanna be in research department not in audit and accounting.
Sir , I am pursuing CA final now really confuse about pursuing MBA from private institutes or either pursuing CFA.
Hi Dheeraj,
Thank you so much for the informative article, it was the best, I have a question, I would like to know with an MBA from a very good B-school, CPA would be a deadly combination or CFA if one interested in CFO or investment banking positions,
Thanks so much
Would undertaking both the CPA and CFA credentials be worth it?
Nice article. Looking at the career opportunities both fields provide, which would be better CPA or CFA?
Hello sir,
Thank you so much for the Informative article.
I am currently doing b.com honours from DU. I want to be the financial analyst but do not like to be in the field of audit and taxes. Which one course will be best suited for me after graduation ?? And also how much finance is required for the course ??
Hello sir,thnx for the great comparison between these two..
I have one question
I'm a ca student and going to enrol for CFA level 1 by the month end.
So I want to know for better opportunity in finance CFA and ca is OK. Or I go for CPA after CFA and ca?
Thank you
I am masters & want to pursue further after a long time to enhance my position from Finance Manager to either CFO/Vice President level
So can u pls. advice which program is helpful CFA or CPA, since m a bit confused, since reading advantages of both u feel to have both added on ur profile, so even if we plan to go for both than which prog. to be given first priority…
Thank you Sir for an awesome comparison on CFA & CPA as usual your articles are always helpful & knowledgeable. I have one question sir, according to you which credential is more useful for a CFO position in a company?
How if one want to pursue CFA after qualifying CA..? please answer with proper justification and explanation, thanks.
Good day
thank you for a very good article that you've sent me
if i work in securities and want to have better opportunity in the future should i take CFA?
at present i already hold wppe and CSA licence
thanks and will be waiting your reply
Hello Dheeraj, excellent comparison once again. Your writing style is the best and very informative.I had a question that if i want to be in core Corporate Finance which is better? CPA or CFA?


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Changes Update added 24 September 1999
This is supposed to happen on 5/5/2000, but, as the site says, this date is "give or take a few days". I predict that the cataclysm will happen two days later on 7 May 2000, because this is day 128 of the year. Those computer people gave us 1/1/2000 as a teaser, but we all know they think in binary or powers of 2. 2x2x2x2x2x2x2=128. 1+2+8=11. 1+1=2. 2x11=22. We now have the sequence 2,2,2,2,2,2,2,2,2, or 2+2+2, 2+2+2, 2+2+2. You can see where this is heading. Mark my words.
added 24 September 1999
(The picture is from Chamber 17 of the secret underground time capsule. I chose it because 17 is the most random number of all.)
Pure Fusion Inc added 17 September 1999
I am awestruck! There is no way I could have explained it better myself. It is as if someone had translated Finnegan's Wake into English.
- The Science of the Future? added 8
September 1999
(I found this site by accident, and imagine my surprise to find a familiar name on the page. Look for it near the image at the right. Spooky! )
|Back to Quintessence of the Loon.
|Email the
Copyright © 1998 - Peter Bowditch


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One Powerful Voice: Cori Thomas on Playwrighting, Serving Others, & Outing Sexual Misconduct
Cori Thomas began her creative journey wanting to act but alas the timing was wrong for multiracial actors, who "didn't look like any particular race," and she soon got very frustrated. In a serendipitous encounter someone suggested she "write roles she could play" and soon after a voice popped in her head talking - and then another - and then they were having a conversation and she was writing it all down and she discovered she was becoming a playwright.
Her immigrant experience of living in many different countries (her father was a Liberian diplomat) has given her a keen ear for the voice of "the other" and one of her underlying missions in writing is "trying to get the audience to see that the other is not so other." Her advice to beginning playwrights is "write from an organic place, ask yourself, what do you want to express, and then do it! Fall down and get up and keep working!"
She also discusses her (now public) sexual harassment encounter with Dustin Hoffman when she was 16 - inviting us to understand how, over the arch of time, that experience has moved and shaped itself in her, culminating in her decision to become public, a brave choice that grew out of wanting to help the other women who had similar encounters.
Meet This Episode's Guest
Cori Thomas
Cori Thomas is a playwright whose plays have been developed and produced at Sundance Theater Lab, Goodman Theatre, City Theatre Company (Pittsburgh), Ensemble Studio Theatre, The Women's Project Theater, Page 73 Productions,, Playwrights Horizons, Lark Play Development Center, The Working Theater, Going To The River, Pillsbury House Theatre, Mixed Blood Theatre, Penumbra Theatre, Passage Theatre, The Playwrights Realm, New Federal Theatre, New Georges, The Black Rep (St. Louis), The New Black Fest, and Queens Theatre in the Park.
She is also a co-founder of Pa's Hat Foundation, a charity dedicated to enabling former male child soldiers and other underserved males of Liberia success in life by providing access to education and job opportunities.
Cori's newest play, CITIZENS MARKET, is currently in rehearsals for its World Premiere at City Theatre in Pittsburgh.


text: Open, airy entertaining spaces define the first floor of this homel. Highlights include a comfortable dining room, an inviting great room and an impressive gourmet kitchen with center island and built-in pantry. Also note that this paired home has a convenient powder room, mudroom and 2-car garage. Upstairs, discover a laundry, a spacious loft and three relaxing bedrooms, including an elegant master suite with an immense walk-in closet and attached bath with dual sinks.


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"World Changers: Giva Salutes S.M.I.L.E.S."
"S.M.I.L.E.S. (Sharing Music and Improving Lives with Every Song) was founded by Arianna Beyer on the premise that music can connect individuals in profound ways…. Arianna's organization is not the largest but is a reminder that an individual initiative can be successful with limited financial resources as long as one is armed with a desire to help. Successful charity is often about finding a way to apply one's talents in the local community. S.M.I.L.E.S. volunteers remind us of the positive effects that emerge from sharing our gifts with those around us. Their efforts are sincerely appreciated."
To read the full article, click here: World Changers: Giva Salutes S.M.I.L.E.S.


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2016 FIAT 500e BATTERY ELECTRIC : NAV, SAT, PARK ASST, CRUISE, BTOOTH, HTD STS, ALARM, $32K MSRP - ONLY 18K MILES |
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All advertised prices exclude government fees and taxes, any finance charges, any dealer document preparation charge, and any emission testing charge. The price for listed vehicles as equipped does not include charges such as: License, Title, Registration Fees, State or Local Taxes, Dealer Prep, Smog Fees, Credit Investigation, Optional Credit Insurance, Physical Damage of Liability Insurance, or Delivery Fees. DEALER makes no representations, expressed or implied, to any actual or prospective purchaser or owner of this vehicle as to the existence, ownership, accuracy, description or condition of the listed vehicle's equipment, accessories, price, specials or any warranties. Any and all differences must be addressed prior to the sale of this vehicle. Click here to view our terms. This car has been marked by the seller (us) as Used. The above listing of equipment and accessories is based on the manufacturer's description at the time of manufacturing. Please refer to your dealer (salesperson) and ask about the specific listed accessories.


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NICE Systems launched its "Contact Center Video Recording" solution, which can help organizations improve customer service by monitoring and enhancing the quality of service provided via video-enabled contact centers.
The solution combines NICE's real-time audio capture expertise with its experience in video surveillance for security, the company said. The launch expands NICE's multi-channel offering for enterprises and addresses a growing market trend in video-based remote customer service.
Real-time visual communications can provide a richer and more personalized experience in specific industries such as telecommunications and healthcare, according to the company. In those sectors, video-enabled contact centers provide organizations with the opportunity to extend their geographic reach and agent availability without having to add customer-service personnel, NICE said.
NICE video recording enables organizations to continuously monitor agent performance, provide additional coaching as needed and maintain a single standard of performance across the operation, the firm said.
Quality monitoring is applied to both audio and visual recordings, enabling organizations to better understand not only what was said during a customer interaction, but also what was implied through the body language of the agent and the customer. Those visual cues may help discern the customer's satisfaction or dissatisfaction with the interaction or transaction, according to the company.
The integration of audio and video recording within a single platform lowers the total cost of ownership and simplifies upgrades and training, NICE said.
Click here for more information.


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Cowboys' Melton bar-brawl suits dropped
IRVING, Texas – Both parties in lawsuits centering on a December 22 bar scuffle involving Dallas Cowboys defensive tackle Henry Melton have dropped their litigation, Melton representatives tell FOX Sports Southwest.
The incident, which occurred before the Grapevine, Texas native signed with Dallas this spring, occurred at Chill Sports Bar in Grapevine. The bar owner alleged that Melton was the instigator; Melton claimed publicly that the suit was a "money grab" on the part of the bar owner.
Melton can still face a Class A misdemeanor assault as a result of the incident. Melton's agent, Jordan Woy, tells FOX Sports Southwest that he is confident Melton will be cleared of any wrong-doing.


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Around 10,000 people flocked to Chateau Impney to welcome motorsport back to Droitwich after a near 50-year absence. It was fantastic to welcome car enthusiasts from all over the country as well as plenty of local people, who all turned out in force to see a stellar line up of 200 pre-1967 cars and drivers take on the new Hill Climb course, including the Beast of Turin, a Historic Monaco-winning Alfa Romeo P3 Tipo B, over half of the world's remaining ERAs, and a huge number of 1950s and 1960s sports cars, including C-Type and D-Type Jaguars.
SAVE: Get 25% off tickets when you purchase before Friday 18 December 2015.
Jack Woodhouse, who set the fastest time of day with a time of 42.42 seconds in his first ever hill climb, will return to the Chateau to defend his title in his Lotus 20/22 after receiving an honorary invite from the Hill Climb team. Competition will be fierce, and we've already been inundated with expressions of interest from drivers. The invitational entry list will be confirmed in the next few months, so subscribe to our newsletter and follow us on Facebook and Twitter to keep up to date with all the Hill Climb news.
As well as the competition itself, we're thrilled to announce that next year's Hill Climb will include spectacular air displays, lunchtime demonstrations, and a vintage funfair for families, all of which will be free with your ticket. The popular Concours d'Elegance will return, where the winning car will be chosen by public vote, and there will be a dedicated classic car club area in the car park. Spectators will also be able to explore the open paddock again, getting up close and personal with the drivers and impressive cars facing the Chateau Impney challenge.
We're also pleased to welcome Listers, the largest privately owned motor group in England, on board as our latest sponsor. Listers will be showcasing a number of their marques at the event, including new Land Rovers, Jaguars and Audis, and will take part in the lunchtime demonstration runs with a unique display.
There will also be a number of trade stands, where visitors can purchase goods from both local businesses and specialist traders, and even more local food and drink vendors will serve up a taste of the region. Like last year, general admission tickets will include free access to the grandstands, and the hill climb runs and driver interviews will be broadcast on a number of large-format screens throughout the Chateau grounds, ensuring that you don't miss any of the action.
Tickets for 2016's Chateau Impney Hill Climb are priced from £20 per person, and under-16s will be admitted free with a ticket-holding adult. Buy your tickets online or call 0845 017 0637 for more information.