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Guardian Protection Services Home Security System Review
Home Security Systems are more important than ever before. Crime is on the rise in many areas of the country. Over 2 million burglaries occur every year, with the average dollar loss over $2,000 - not to mention the potential harm to personal safety. Many experts point to the nation's current economic troubles and high unemployment as leading indicators for a continued rise in the crime rate.
Safeguarding your home is vitally important to the protection of your property and family. Properly placed exterior lighting and good dead bolts can help reduce your odds of being a victim - but unfortunately, an experienced criminal can generally get through nearly all locks within 60 seconds. As a result, most experts suggest investing in a home security system - preferably one that is monitored by a live service for the utmost protection.
Guardian Protection Services is a Pennsylvania based company that has been in business for over 60 years. They've recently upgraded their home security offering with a redesigned website, a focus on customer service, and updated equipment. The result is an impressive home security offering worthy of consideration.
Guardian utilizes GE products in their home security systems. They've created 5 home security packages for you to choose from, each of which can be tailored further depending on your needs. These packages include:
All packages come standard with 3 sensors - which, unless you live in a small apartment, will probably not be enough for your home's protection. So, you should expect to add more sensors to these offerings. For the Plus, Premium, and emPower packages, Guardian will include up to 10 sensors at no additional cost, which makes the Plus system a very attractive package.
To enhance these packages, you can further tailor your home security system with options such as a color touchscreen, additional motion, door, and window sensors, a carbon monoxide detector, medical pendant, smoke and heat communicators, glass breakage detector, and wireless cameras for video surveillance.
Guardian's 24/7 nationwide home security monitoring center is state-of-the art and (UL) certified. It's double-backup power protected, and has earned a Five Diamond rating by the Central Station Alarm Association. This is a dependable monitoring center as good as any on the market.
In recent years Guardian has placed a priority on customer service. This focus on the customer has really paid off. They currently hold an A rating as an accredited business with the BBB, and earned a Super Service Award with Angie's List.
Guardian does require you to call and speak with a salesperson to discuss your home security needs. Once you decide the right equipment for your home, Guardian schedules a professional to come and install your system. Because of this, you should expect to pay more than the home security companies that offer do-it-yourself home security installations. The trade-off is that the professional will be there to answer any questions you have during the installation process.
Guardian Protection Services has really stepped up their home security system offering. Their equipment rivals any on the market today, and they offer optional features such as smartphone integration and home automation. Their monitoring center is reliable and customer service is top-notch. If you're more comfortable with a professional installing your home security system rather than installing it yourself, Guardian is definitely worth consideration.
Statistics show that the majority of criminals will choose a home without a security system and bypass those better protected. Home security systems can vary greatly in protection and cost. Some home security systems provide free equipment along with a monthly monitoring contract, while others charge hundreds of dollars for installation as well as monitoring services. The best home security systems are flexible with or without home phone line requirements.
Before reading any home security systems reviews it's important to be familiar with some important home security aspects and features. These include:
TopConsumerReviews.com has reviewed and ranked the best home security systems available today. We hope these reviews will help you find the right home security system to keep you and your family safe for years to come!
Home Security Systems Terminology
There are many terms used by home security companies to describe their products. Here we have described what many of these terms mean so you can use them when looking at our home security systems reviews.
Features You Can Expect To Find In A Home Security System
Here are a few things you can expect to find in a home security system:
Control Panels
These panels are the 'brains' of home security systems. They are physically or remotely attached to electronic sensors and detectors throughout the house. They usually have a keypad with them to allow you to control, disable or activate your home security system.
Home security systems can use sounds to alert you to the presence of an intruder, but it's important to remember that alarms can be useful in the case of carbon monoxide, fire, flood or other disasters too. Safety systems should be installed in your home along with home security systems.
Door and Window Sensors
These home security sensors have two parts - one that goes on the door or window itself, and another on the corresponding frame. Magnets keep a charge running through the home security sensor while the door is closed. When a door or window is opened, the circuit is broken and the sensor triggers an alarm via the main control panel. Keep in mind that window sensors won't work on windows that don't open - for that, you'll need a glass break sensor to recognize the sound of a window being broken.
Motion Sensors
Motion detectors are ideally used in large areas that either aren't or can't be secured with door or window sensors (for example, a large room with many windows or a backyard). They can generally detect motion from 40 to 80 feet away and can be connected to your home alarm system or to a security camera. There are two main types of home security motion sensors: active detectors, which emit light, sound or other forms of energy and recognize when that energy is being disturbed; or passive detectors, which recognize incoming signals sent from the disturbance, such as heat or sound waves.
Security Cameras
CCTV cameras are used for surveillance and are designed to transmit images to a specific place and a limited number of monitors. Analog or digital surveillance cameras are simply a camera attached (either by a cable or wirelessly) to a digital video recorder (DVR) that's used to record the images picked up by the camera.
IP/network cameras are similar to analog/digital cameras, but have an IP address assigned to them, allowing owners to view images on their computer through the internet, anywhere in the world.
Outdoor perimeter Protection
Fences, gates and outdoor lighting are all simple ways to deter intruders. However, there are also motion sensors and security cameras similar to the ones in your home that are specifically designed for outdoor use. Perimeter home security systems can also be used to sound alarms before an intruder crosses the border into your property (let alone into your home). Infrared, microwave and radar detectors, and buried cables are activated by someone crossing the boundary and can be placed around your yard for added protection.
These can be set up to sound a home alarm or turn on outdoor flood lights. They can also communicate with your systems within the house to alert you or your home security company of the breach. Outdoor protection can be mistakenly activated by natural factors such as trees, wind, and animals.
Homeowners today have a variety of options they can use to tailor a home security system specific to their needs.
Alarms, Cameras and Locks; How Home Security Can Help Prevent Home Invasion
The first thing anyone needs to realize in any given home security situation is an unfortunate truth: if a smart, determined, burglar wants to get into your house while you're out, they will.
But now for the good news: you can stall most, if not all burglars, long enough for them to be discouraged and move onto easier targets. How? Simple. Here are three easy things to consider in order to make your home more secure.
Be Aware
Simply being aware of your surroundings can save you, your loved ones, and your neighbor's headaches later. Google, or your local police department, has statistics on crime in your local area.
For example, recently a Seattle woman witnessed two suspicious men emerge from a neighbor's backyard. She took down descriptions of the men, a partial license plate and called the police. While police discovered her neighbor had indeed been burglarized, the woman gave them enough of a description that police recognized the suspects from previous offenses and were able to make an arrest.
Being aware also necessitates that you're aware of your property's weaknesses. Take the time to scan your property. Look for any easy entry points a burglar could use to invade your home. Once you've done that, consider ways to prevent it. It could be as simple as taking down a lattice on the side of your house for ivy, or installing more secure window and door locks.
Don't open the door for unexpected strangers, even if they claim it's an emergency. Home invasions, where criminals force their way into your house while you or loved ones are inside, are on the rise and the perpetrators are using increasingly deceptive methods to gain access to a home.
Fortunately, the same precautions used to prevent burglaries can help to prevent home invasions. Peepholes, or windows around the front door, are a good method of identifying and judging a stranger before opening your door. Doors with solid cores, bolt locks and reinforced windows can also buy you the time needed to call the police if an invader tries to force their way in.
Finally, talk with your family about burglaries and invasions, and be sure to discuss home security plans for both situations.
Upgrade Your Home
Adding upgrades to your home can also help prevent burglaries. A solid core door and deadbolt locks can go a long way in deterring potential pilferers. Upgrade the locks on your windows, make sure you have a thick glass and prevent your windows from opening more than six inches with dowel. Even small things, like buying signs showcasing your security oriented thinking, can make a criminal reconsider a possible burglary.
Get strong outdoor lights which automatically turn on when movement is detected at night. Burglars hate being bathed in light, and besides, a sudden light coming from your home while you're away can alert a neighbor to a potential burglary in progress.
Home security systems are an excellent way to protect your home and family. The best home security companies offer affordable systems that utilize the latest in technology, including wireless systems, motion detectors, and remote access while you're away. If you're considering a home security system, make sure you choose one that has a good reputation and a budget that meets your needs.
Finally, if you're going to be gone for a long while, perhaps on a vacation, consider purchasing light timers which can turn lights on and off automatically while you're away.
Lock Up, Be Safe
Lock your doors and lock your windows. That's the easiest and most overlooked way to prevent robberies or home invasions.
The vast majority of burglaries occur through open, or unlocked, windows and doors. If you want to prevent any trespasses, closing and locking any obvious entry points into your home is a good start - even if you're only out of your home for just a few minutes.
Do you keep a spare key? Do you have a nice hiding spot for it? Is it under a rock (or in a fake rock) near your front door? Unfortunately, that's too easy. Burglars know all the good hiding spots for spare keys. The first solution is, of course, to not lose your keys in the first place. The second solution, according to home security experts, is to give your spare keys to a trusted neighbor for safe keeping.
Burglars often discover the layout of a targeted house by posing as salesmen, delivery men, or contractors. They plan before they strike, and usually target someone they consider to be an easy victim. You can prove them wrong by planning ahead and being prepared.
How A Burglar Targets Your Home
Not all burglaries can be stopped, but most can be prevented. By knowing what a burglar is looking for in a target, you can better anticipate what home security measures you should take.
Here are four ways a burglar targets homes:
They Look For The Right House
Burglars often look for nice, out-of-the-way houses with, as retailers call it, "curb appeal". Typically they'll look for houses that are both remote, and have enough overgrown vegetation to keep their illegal activities relatively secret.
They also look for homes with easy access to the inside. Homes with windows that can be opened at ground-floor level, represent an easy mark, especially if the house doesn't have a home security system.
Homes with small compact backyards, are secluded from neighbors, or are located next to forests and woods are frequently targeted thanks to both the ease of access, and the ease of escape.
They Stake It Out
Staking out a house is no small matter to the professional burglar. In fact it can often be the most difficult part of the job.
There are a few ways crooks can learn your habits. First, there's the traditional stake out - where the burglar sits in a car, or a nearby hiding spot, in order to watch and observe the habits of whomever lives in your home.
Then there's the kind of intruder that you invite in. Not intentionally, of course, but ill-meaning contractors, such as plumbers, painters, or home renovators, can take the opportunity track you and your family's habits while working on your home. They can determine whether you have an active home security system, which can be a strong deterrent to their plans. They can also use this opportunity to make their theft all the easier by leaving doors and windows unlocked for when they return.
They Learn Your Habits
Most burglaries take place in the middle of the day when homeowners and their neighbors are away at work. But they typically don't just pick a house at random and wait for everyone to leave. Instead, during their stake-out phase, they learn the habits of a household in order to get a better understanding of what they're dealing with.
Through the stakeout they also discover ways that you get in and out of your house. Say, for example, that you have a spare set of keys hidden nearby that you, or a loved one, frequently uses. If this is used too often, burglars will see it and discover an easy way to enter your home. Burglars can also learn what sort of items you may have in your home. While a burglar may not steal your 60-inch big screen television, but they'll know you can afford it, and probably have small, more manageable possessions they can swipe.
Burglars also tend to keep track of family habits. They can easily learn what time everyone leaves the house and when they return. Some burglars may even keep track of the habits of nearby neighbors for an added touch of awareness.
The more risky burglars, and the ones more likely to get caught, will sometimes walk right up to a targeted house and knock on the door to see if anyone is home. If someone answers the door, they'll typically make up a cover, like they're landscapers looking for work. If not, they'll poke around the perimeter of the house looking for a way in. If your house isn't protected, they can easily gain entry this way.
They Steal, Then Steal Again
Unfortunately, statistics show that if you've already been the victim of a burglary, you're at a high risk of it happening again. A burglar will often hit the same home a second time after the homeowner has replaced their stolen items and have fallen back into their normal habits. Unless home security precautions are taken, it's not hard for the burglar to do, especially considering they've already hit the home once before and know the layout of the property.
Which Home Security System Sensors Are Right For You?
There are a variety of home security system sensors to choose from today, many which can provide multiple functions. Here's a quick run-down of the most popular home security sensors available today, and what they can do for you.
Door and window home security sensors
Door and window home security sensors are the basic sensors of home security. These sensors protect their respective elements by using magnets, and alert the main control panel if one is disturbed. If a sensor is disturbed in an unauthorized manner - such as late at night or while you're away during vacation - they will result in an activated alarm.
Door and window sensors are ideal for homes with only a few entrances and opening windows. In large houses with many entrances, it may not be practical or cost-effective to arm every single window in the house, but in a small house these home security sensors can provide a good deal of security. Door sensors can also be programmed to sound a chime to notify owners when a door is opened, which is ideal for households with small children.
Glass break home security sensors
Unlike window sensors, glass break home security sensors are more useful for windows that don't open and close. Like their name implies, these home security sensors are capable of recognizing the sound or sensation of glass breaking. If a break-in occurs, the home security alarm is raised. If you're concerned about people breaking your windows rather than forcing them open, they can be installed along with regular magnet window sensors.
Such home security sensors don't have to be an external accessory, either. Some windows are built with thin strips of metal in them that, when broken, can also trigger a home security alarm.
Motion home security sensors
Motion sensors are usually set up inside the house as another layer of protection after door and window monitors. These home security sensors can easily monitor an entire room, and are best used at night or when the house is vacant.
But motion home security sensors can be an imperfect solution. When armed, they can go off for any detected motion, including a family member or a pet. It's best not to place these home security sensors in frequented areas of the house (for example the kitchen or bedrooms). With recent technology, some motion security sensors have logic that can differentiate between an animal and a human moving around a room. This can cut down on the number of false alarms if you have pets.
Also, remember that motion detectors aren't necessary in every room of the house. Rooms without windows or doors can only be accessed from other rooms, so it's a better idea to spend money on extra protection in those more accessible rooms instead. Some motion sensors also include glass break sensors, so check the features of the model before installing both.
Security cameras
Security cameras can be positioned around your house with a home security system as a way to identify intruders if they break in. They can also be useful if you like to keep tabs on your household throughout the day - to check who's at the front door, make sure the kids are playing safely, and ensure that the pool door is closed.
If you're away from home on a regular basis, you can have network cameras installed that will allow you to "see" into your house through the cameras and your computer from wherever you are.
Outdoor perimeter protection
Arming the outdoor perimeter of your property is especially beneficial if you have a large or rural property that can't be adequately covered by motion sensors or home security cameras. These home security sensors notify you when someone crosses the boundary into your property and can either sound an alarm or alert you of the trespasser.
Customize Your Home Security System
There are many ways you can customize your home security system. Here are a few options for your consideration:
Wired or Wireless
When choosing a home security system you can opt for one that is installed with wires or without. A home security system with wires is usually best to install when the house is being built. Otherwise, the home security company will have to tear through your existing walls in order to install the system. Wireless home security systems, on the other hand, can be easily installed into either new or existing homes.
For example, a wired home security camera can be tedious to install into an existing home. Since a wire needs to run from the camera proper to the recording device, it needs to be either safely secured to the walls, floors and ceilings between the two devices, or it needs to be installed within the walls, a process that can significantly increase the cost of the equipment installation. Wireless home security cameras, on the other hand, are much easier to install and move after installation. Wireless home security cameras can take high quality visual (and audio) footage.
The downside of a wireless home security camera system is that it is more susceptible to interference from microwaves, the Internet, bad weather, cell phones, and so on. This interference can result in grainy or even lost footage. Because of the cables, wired home security camera systems aren't affected by interference. Wireless cameras are also much more easily hacked by outsiders; their wired counterparts are more secure.
Monitored or Non-Monitored
Many homeowners find that they're able to set up a non-monitored home security system on their own. That's mainly because installing the desired wireless features and connecting them all to one control panel is a relatively easy task.
These systems, when activated, will produce a loud alarm with the intention of notifying the owner to a break in or to scare off the intruder. The owner (or neighbors, if the owner is out of town) is then responsible for dealing with the situation or calling the authorities if necessary.
However, there is also an option, which is to have your home security system monitored by a home security company for a monthly fee. Monitored systems give owners the peace of mind that their home is being watched at all times, whether the owners themselves are at work, having dinner, in bed, or on vacation. They can wait a predetermined amount of time to see if the alarm is deactivated by the owner (in case of accidental activation). If it isn't deactivated, the home security monitoring company will call the appropriate authorities, whether it's police, fire or medical.
Choose Your Features
There are many different features available for home security systems and there are many different ways to customize those features. Home security can range from something as cheap and simple (albeit quite unreliable) as a fence and some floodlights to an expensive high-tech, multi-device, monitored, wireless, internet-connected system. With some systems you can install the home security monitors and sensors yourself, and some home security systems require a professional installer.
Differences Between Monitored and Non-Monitored Home Security Systems
What is a non-monitored system?
A non-monitored home security system is composed of whatever features you select for your home which aren't monitored by another human through a digital connection. Door and window sensors, motion detectors and surveillance cameras can all be set up as a non-monitored system, and can be installed either by you or by professionals. Non-monitored systems can be wired or wireless - technological advances allow wireless systems to be accessed remotely from your smartphone, tablet or computer to make it easier for you to keep tabs on your property when away from home.
What is a monitored system?
Monitored systems have the same components as a non-monitored system, but include the added security benefit of being monitored 24/7 by a security company. If an alarm goes off, the company will give you a few seconds to rule out accidental activation. If you don't enter a code into the alarm, or if you're not home, the security team will contact the police, fire or medical departments depending on what type of alarm has gone off.
Companies charge a fee for monitoring services, and those fees will have to be paid in addition to any costs associated with the equipment you choose to have installed. Most companies provide a lease service, allowing you to not rent the security features instead of outright buying them. These rental costs are added to your monthly fee to cover the equipment.
Pros and Cons: Non-Monitored
Pros and Cons: Monitored
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Brussels, November 11, 2010
Directive on Alternative Investment Fund Managers ('AIFMD'): Frequently Asked Questions1
What is an Alternative Investment Fund Manager ('AIFM')?
An AIFM is a manager of an alternative investment fund. The term alternative investment fund encompasses a wide range of investment funds that are not already regulated at European level by the UCITS Directive (IP/10/869). They include hedge funds, private equity funds, real estate funds and a wide range of other types of institutional fund. The AIFMD is therefore much more than a 'hedge fund directive'.
The AIFMD will not apply to entities such as governments managing funds supporting social security and pension systems; supranational institutions, such as the World Bank and member organisations of the World Bank Group; and other entities expressly excluded from its scope.
2. Why do we need the AIFMD? What is the link with the financial crisis?
A secure and stable financial system requires that all significant financial market actors are subject to appropriate regulation and supervision. This was a clear conclusion of the G20 leaders.
AIFM have grown to become very significant actors in the European financial system, managing a large quantity of assets on behalf of pension funds and other investors; accounting for a significant proportion of trading activity in financial markets; and constituting an important source of counterparty risk for other market participants. AIFM have also contributed to the build-up of leverage in the financial system, the consequences of which for the stability of financial markets became apparent when leverage in the hedge fund sector was rapidly unwound during the crisis.
In this context, it is essential that the risks that AIFM pose to their investors, the financial markets and the companies in which they invest are rigorously monitored and controlled. The crisis exposed a number of deficiencies in this regard, notably a lack of transparency, deficiencies in risk management and asset-safekeeping arrangements, and weaknesses in due diligence.
By responding to these risks, the AIFMD is therefore a key part of the European Commission's drive to lay the regulatory foundations for a secure financial system that supports and stimulates the real economy.
What are the objectives of the AIFMD?
The overarching objective of the AIFMD is to create, for the first time, a comprehensive and secure framework for the supervision and prudential oversight of AIFM in the EU. Once the AIFMD enters into force, all AIFM will be required to obtain authorisation and will be subject to ongoing regulation and supervision. In this way, the AIFMD will:
Have the United States introduced new rules for this sector?
Effective regulation of the financial markets requires consistent and effective action to be taken in all major jurisdictions. In this and other areas, the commitments made by the G20 leaders provide the framework for this action.
In accordance with these G20 commitments, as in Europe, the United States have acted to strengthen regulation in this area. New rules on hedge funds and private equity were adopted in July as part of the Dodd-Frank Act. These rules will require the registration of managers of private equity and hedge funds with the Securities and Exchange Commission. Managers will be subject to substantive regulatory requirements and will be required to report regularly to supervisors for the purposes of systemic risk by the newly-created Financial Stability Oversight Council.
The objectives and approach of these reforms are consistent with those of the AIFMD.
How do the rules adopted differ from the Commission's proposal?
The rules adopted by the Council of Ministers and European Parliament fully respect the objectives and structure of the Commission's proposal.
The 'all-encompassing approach' of the proposal is retained, covering all the major types of AIFM and alternative investment fund. This will ensure a level playing field and will help to minimise the risks of regulatory arbitrage. Strict rules have been included on, inter alia, transparency, the valuation and safekeeping of assets, risk and liquidity management, the use of leverage and the acquisition of companies.
The strong single market dimension of the proposal has also been preserved, introducing a single market passport for European managers and funds, as well as a 'third country passport', which will in due course become a single harmonised regime for third country access to investors in the EU.
The Commission has worked closely with Council and Parliament throughout to refine the detailed rules where necessary. In some areas, such as remuneration, new rules have been introduced by the Council and Parliament. These are consistent with the regulatory objectives and are welcomed by the Commission.
What is the 'passport'?
The AIFMD introduces for the first time a genuine 'single market framework' for this sector, which will allow AIFM to 'passport' their services throughout the EU on the basis of a single authorisation.
Specifically, once an AIFM is authorised under the AIFMD in one Member State and complies with the rules of the directive, this manager will be entitled upon notification to manage or market funds to professional investors throughout the EU.
By creating a single regulatory and supervisory regime for all AIFM active in the EU, the AIFMD will help market participants to overcome the barriers and inefficiencies created by the current patchwork of national regulation. This will help to increase choice and competition, to the benefit of European investors.
When will the passport be made available to non-EU managers and funds?
Alternative investments are a global industry and it is important that European investors have access to the best that the global market has to offer. At the same time, it is imperative that all AIFM active in the EU are subject to the same high standards of transparency and conduct, irrespective of where they, or the funds they manage, are located.
Following a limited transition period of two years, and subject to the conditions set out in the AIFMD, the passport will be extended to the marketing of non-EU funds, managed both by EU AIFM and AIFM based outside the EU. In accordance with the principle of 'same rights, same obligations', this approach will ensure a level playing field and a consistently high level of transparency and protection of European investors.
The phased introduction of the third country passports will allow European supervisors to ensure that the appropriate controls and cooperation arrangements necessary for the effective supervision of non-EU AIFM are operating effectively.
Before the third country passport is introduced and for a period of three years thereafter, national regimes will remain available subject to certain harmonised safeguards. Once this period has elapsed and on the basis of conditions set out in the AIFMD, a decision will be taken to eliminate the parallel national regimes. At this point, all AIFM active in the EU will be subject to the same high standards and will enjoy the same rights.
Will the Directive limit leverage in the hedge fund sector?
Leverage employed by a wide variety of actors throughout the financial system has contributed to the fragility of the financial markets and amplified the effects of the financial crisis. It is therefore necessary to ensure that leverage is used responsibly and that the associated risks are understood and managed prudently.
The AIFMD introduces a range of transparency requirements and robust safeguards in relation to the use of leverage by AIFM. Each AIFM will be required to set a limit on the leverage it uses and will be obliged to comply with these limits on an ongoing basis.
AIFM will also be required to inform competent authorities about their use of leverage, so that the authorities can assess whether the use of leverage by the AIFM contributes to the build-up of systemic risk in the financial system. This information will be shared with the European Systemic Risk Board.
The AIFMD will also create powers for competent authorities to intervene to impose limits on leverage when deemed necessary in order to ensure the stability and integrity of the financial system. ESMA will advise competent authorities in this regard and will coordinate their action, in order to ensure a consistent approach.
How will the AIFMD protect investors?
Investor protection is one of the core objectives of the AIFMD. The financial crisis has highlighted the range of risks to which investors in investment funds – both retail and professional – are exposed. The AIFMD introduces safeguards to ensure that investors in alternative investment funds are well-informed and adequately protected.
In particular, the AIFMD will increase the transparency of AIFM and the funds they manage and market. This will help investors to perform better due diligence. In addition, a variety of operational and organisational requirements will help to ensure that investors are appropriately protected. For example, the AIFMD will require that:
Due to their complexity and risk, investment in many types of alternative investment fund is limited to professional investors. Consequently, the AIFMD creates rights for marketing to professional investors only. Member States are not prevented from making certain types of alternative investment fund available to retail investors. However, in this situation, competent authorities will be able to apply additional safeguards at national level to ensure that retail investors are adequately protected.
What is the purpose of the rules on pay?
An important lesson of the financial crisis has been to ensure that remuneration practices in financial institutions do not create incentives for excessive risk-taking.
While bonus payments in banks have dominated the headlines in recent times, it is essential that sound remuneration principles be applied consistently throughout the financial services industry. Failure to do so may result in excessive risk-taking by individuals in certain sectors and may create opportunities for arbitrage as employees move between sectors.
Rules on remuneration practices are therefore being introduced in all major financial services sectors, including in the AIFMD. Specifically, AIFM will be required to implement remuneration policies that are consistent with and promote sound risk management and do not encourage risk-taking which is inconsistent with the risk profile and fund rules of the funds managed.
Will smaller managers be covered by the AIFMD?
A comprehensive approach to regulation is necessary to ensure that standards are consistently high and to allow regulators to monitor risks wherever they arise in the financial system.
However, in order to avoid imposing disproportionate requirements on the very smallest AIFM and to allow supervisors to focus on those AIFM whose activities are of greatest relevance to financial stability, the AIFMD incorporates a system of 'de minimis' thresholds.
Depending on the type of fund they manage, AIFM whose assets amount to less than €500 million (for unleveraged funds with long 'lock-in' periods) or €100 million for other types of alternative investment fund will be subject to a tailored regime. These AIFM will be required to register with national authorities and to comply with harmonised transparency requirements, as well as additional requirements applied at national level.
The AIFMD also provides for the possibility for these AIFM to 'opt-in' so as to avail of passporting rights in return for full compliance with the AIFMD.
How will the depositary rules help investors?
The functions of the depositary are critical for investor protection. When the entities charged with safeguarding the assets of the fund do not perform their duties effectively, investors stand to lose all or part of their investment. The experiences of Madoff and Lehman have highlighted the potential weaknesses in this area and the pressing need to clarify and strengthen investor protections.
Under the AIFMD, all AIFM will be required to ensure that the funds they manage appoint an independent and qualified depositary, which will be responsible for overseeing the fund's activities and ensuring that the fund's cash and assets are appropriately protected. Depositaries will be held to a high standard of liability in the event of a loss of assets and the burden of proof will reside with the depositary.
The AIFMD will also introduce a robust mechanism for the delegation of depositary functions and will regulate carefully the circumstances under which liability can be transferred to a sub-depositary, including when the sub-depositary is located outside the EU. This will allow investors to benefit from investment in third countries without compromising the level of investor protection.
The Commission is currently examining the corresponding depositary rules in the UCITS Directive with a view to producing proposals for their revision in 2011. This will ensure that the standard of protection afforded to investors in UCITS does not fall below that of the AIFMD. The rules adopted in the AIFMD will serve as a clear benchmark for this work; however the Commission will also assess whether additional safeguards are required to reinforce further the protection of retail investors.
How does the AIFMD regulate private equity buy-outs?
Private equity and venture capital investment can play a crucial role in restructuring and financing companies in the EU.
The objective of the AIFMD is to introduce safeguards to increase the transparency of this type of investment towards the employees of the companies acquired and the public at large and to address potential risks to portfolio companies acquired by private equity funds, while minimising any competitive distortions that may result.
In particular, the AIFMD introduces rules relating to the disclosure of significant holdings by private equity funds. In the event of acquisition of control, the AIFMD will require the AIFM to ensure that the fund discloses relevant information in relation, for example, to the intentions with regard to the future business of the company and to the financing of the acquisition. The AIFMD also includes specific rules to mitigate risks to the long-term health of companies linked to 'asset stripping'.
What is the role of ESMA and the ESRB in the AIFMD?
The AIFMD makes full use of the opportunities afforded by the recent reform of Europe's supervisory architecture.
Both ESMA and the ESRB will play an active role in the supervisory framework for AIFM, thereby strengthening the monitoring of risks on a cross-border basis; promoting the consistent application of the AIFMD across the EU; and facilitating the secure functioning of the passporting mechanisms for both European and non-European AIFM.
More information on the Directive on Alternative Investment Fund Managers is available at:
This is a working document of the Commission services and is intended for information purposes only. It does not purport to reflect the views of the College of Commissioners on matters of interpretation of this Directive; and is without prejudice to subsequent rulings of the European Court of Justice in this regard.
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subset: commoncrawl


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Leading in pretty much every national poll, Barack Obama hopes to cement his standing while John McCain is trying to turn his fortunes around in their second presidential debate, with economic turmoil bordering on chaos suddenly serving as the backdrop. Exchanges between the candidates have grown ever more negative with just four weeks to go until Election Day. Tuesday night's debate gives Republican McCain one of his last chances before a nationwide TV audience to halt the Democrat's momentum and convince voters he is capable of addressing the crisis in the credit, housing and stock markets.
The town hall format at Belmont University will allow voters to ask questions while NBC's Tom Brokaw moderates. The candidates' third and last debate will be Oct. 15 at Hofstra University in Hempsted, NY. If Tuesday night's confrontation echoes the most recent campaign exchanges, it could be far more personal and pointed than the two men's Sept. 26 encounter. McCain's running mate, Sarah Palin, has raised Obama's ties to 1960s-era radical William Ayers and to the Democrat's former pastor, the incendiary Rev. Jeremiah Wright. On Monday, McCain accused Obama of lying about the Republican senator's record, and asked, "Who is the real Sen. Obama?"
Obama's campaign rolled out a video recounting McCain's involvement in the 1980s Keating Five savings and loan scandal, while Obama himself accused McCain of engaging in "smear tactics" to distract from economic issues. Both nominees have condemned character attacks in the past, and some supporters are urging them to cool the rhetoric.
McCain in June told reporters, "Americans are sick and tired of the personal attacks, the impugning of integrity" in campaigns. Obama told an Iowa crowd in January: "We can't afford the same old partisan food fight. We can't afford a politics that's all about tearing opponents down instead of lifting the country up."
Some Republicans, while defending McCain's recent tactics, feel he needs to engage voters on the issues, not character, to overtake Obama. Scott Reed, who managed Republican Bob Dole's 1996 presidential campaign, said of the economic crisis: "McCain is suffering because Americans typically punish the party in power."
McCain's best bet, Reed said, is to show voters "who has the best solutions." Obama adviser David Axelrod told reporters the Democratic nominee wants to focus on economic issues but "we're prepared for a very aggressive debate" if it becomes more personal. "We're running for president of the United States," he said. "It's a rough, tough pursuit."
The debate was being held at a time most Americans have a dismal view of the country's direction. A Gallup Poll released Tuesday showed just 9% say they're satisfied with the way things are going, the lowest ever recorded in the 29 years Gallup has asked the question. Asked to name the country's major problem, 69% said the economy. Next closest: 11% cited the Iraq war.


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Damien Wootten's Coastal Retreats
It's always a treat when I can be involved in a body of work over a long period of time, seeing its progression and printing the resulting exhibition.
I've worked with Damien Wootten for many years now — nine, in fact. During that time, he's visited several North East locations repeatedly for the last eight years to form the series, Coastal Retreats.
Mainly working in and around Newbiggin-by-the-Sea, Damien's immersion in the area really shines through.
As he describes:
"At times everyone needs somewhere to retreat to, and I'm sure — like many — my destination seems to be the coast, and being a photographer it seems inevitable that I take my camera with me. I'm very familiar with the North East coast of England and parts of it are deserted, wild and beautiful — but it is the more ordinary, everyday and less attractive areas that interest me more photographically."
Damien continues:
"I have never questioned too deeply why I have chosen these locations to work in and accepted it as an impulse and a need. Hopefully these images have something more to give than just to show the surface of things and offer something worthwhile and contemplative to say about our place within our landscape. These coastal areas seem to symbolise that – where the man-made reaches the edge of things. This is where the natural environment takes over, restraining human encroachment."
I love the Northernness of 'Coastal Retreats', a feeling that I'm sure prevails as a result of Damien living in the area along with his seemingly unconditional persistence!
Anyone who lives in the wild and woolly North East will know exactly what it feels like to stand in many of the scenes Damien's captured, not least a biting one such as this:
Printing this series has been a true pleasure — I hope all those who manage to see the show between 12th October and 2nd February at the Woodhorn Museum in Northumberland enjoy it as much as I have.
The photographs are all 40x40cm Archival Pigment Prints on 60x60cm Museo Silver Rag 300gsm using HP Vivera Pigment Ink.
One Response to "Damien Wootten's Coastal Retreats"
Congratulations to Damien Woottens upcoming exhibition…(he taught me for part of my present foundation photo degree course) & am pleased to see him get recognition for his excellent photography skills. … well done Damien! ..kindest regards from Babs Baker. . X


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A rock musical with the greatest hits of the '80s.
The New York Rangers are teaming up with the hit Broadway rock musical Rock of Ages for a two-week celebration of the Stanley Cup Final! Former Rangers all-star and MSG Network Hockey Analyst Ron Duguay made a one-night-only cameo in the headbanging musical extravaganza on June 3, 2014. Click for backstage photos from his big night!
Photographer: Bruce Glikas, © Broadway.com


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nikolaalx necesitaba un nuevo diseño de página web y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 65 diseños de 19 diseñadores freelance.
BookingSpot.com is going to be a unique Hotel Meta Search Engine Portal. You are probably asking yourself what this is? Its very simple, this is a place where you go, search for a hotel, find the best price by comparing different prices from different booking providers....and in the end, make your booking.
Our logo is http://99designs.com/contests/11490…ies/812285
For a better understanding what our site will be, you can have a look at our direct competitors, but please do not copy/take any ideas as this is illegal. We will be a unique website, as our service will be much better and more focused.
We want 4 initial templates designed.(these will be the main ones, on which the design will be based on). We want all these templates to have a header and a footer.
1. Homepage template - We want to have a clean design. The emphasize will be on our search tool which will find the cheapest deal on almost all hotels in the world. Light design. Fast, clean and yet stylish.
Required elements:
- Search Tool
- Popular Destinations Box (an area where we will show most popular destination)
- Brief Site Description Box (an area where people will see "What bookingspot.com is" type of text)
2. Country Template - This is the page which shows, when you click on a given country. On this page, there will be shown poplar cities.
The required elements of this page are:
- Hotel Search Tool - An optimized search tool, which will be lighter as it needs to take less space.
- Top Destinations for that country
- List of Cities
- Structure path (this is the path which will be shown so people can easily naviagate e.g. Europe>UK>London)
3. City Template - This is the page where the list of the hotels is shown and is very important for conversions.
Requirement elements:
- Search Tool
- List of Hotels - For each hotel we will show, Price, Star Rating, Description, thumbnail, etc.
- The hotels must be sortable...according price, Stars....etc.
- Filter Tool - This will be a separate tool from where users can filter the results. They can e.g. choose a price range, Star limit, hotel features etc.
4. Hotel Page Template - This will be the place, where people go when they select a specific hotel from the list in the city, or .
Required elements:
- Path structure
- Hotel Name
- Star Rating
- Price Range - This will show a recorded history of the lowest price against the highest.
- Hotel Features - this will show the amenities such as e.g. Swimming pool, Internet, Parking etc.
- Description (Please be aware that it is possible for some hotels there to be no description at all, and in this is why we need the design not to be messed in this case)
- Map with hotel location
- Price comparison table - this will be the place where we cross check the different prices we receive from our booking partners. We want to emphasize on the cheapest price.
- 2 Banner Spaces - It is up to you to plan 2 banner spots, where we will place ads in the future, so we dont mess the design.
- Similar Hotels Box - A small area where similar hotels will be shown.
- Post Review Box - where tourists can post their experience with the hotel.
- "Check availability" button along with a date selector.
NB - some of these elements can be in different tabs, so you can save space.
In case something is unclear, you are more than welcome to ask your question, I will answer you in a timely manner, as this design is of vital importance to me.
- Creativity and unique idea.
- Non tabular design
- Clean and Light design. Innovation of simplicity and user friendliness.You can make it a bit Web.2 style.
- To take into consideration all of the required elements I have written in each of the templates.
NB- Read my recommendations to contestants that have already submitted some kind of work. This will increase your chances of winning.
- I dont want pre-made templates. Anyone who submits this, will be eliminated and reported. I repeat, NO templates.Besides this, there isnt really any limitation to the concept.


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text: Greg Lindahl wrote: > On Mon, Feb 14, 2005 at 06:47:15PM +0300, Mikhail Kuzminsky wrote: > > >>Let me ask some stupid's question: which MPI implementations allow >>really >> >>a) to overlap MPI_Isend w/computations >>and/or >>b) to perform a set of subsequent MPI_Isend calls faster than "the >>same" set of MPI_Send calls ? >> >>I say only about sending of large messages. > > > For large messages, everyone does (b) at least partly right. (a) is > pretty rare. It's difficult to get (a) right without hurting short > message performance. One of the commercial MPIs, at first release, had > very slow short message performance because they thought getting (a) > right was more important. They've improved their short message > performance since, but I still haven't seen any real application > benchmarks that show benefit from their approach. There is quite a bit of published data that for a number of real application codes modest increase of MPI latency for very short messages has no impact on the application performance. This can also be seen by doing traffic characterization, weighing the relative impact of the increased latency, and taking into account the computation/communication ratio. On the other hand, what you give the application developers with an interrupt-driven MPI library is a higher potential for effective overlapping, which they could chose to utilize or not, but unless they send only very short messages, they will not see a negative performance impact from using this library. There is evidence that re-coding the MPI part of an application to take advantage of overlapping and asynchrony when the MPI library (and network) supports these well actually leads to real performance benefit. There is evidence that even without changing anything in the code, but by just running the same code with an MPI library that plays nicer to the system leads to better application performance by improving the overall "application progress" - a loose term I used to describe all of the complex system activities that need to occur during the life-cycle of a parallel application not only on a single node, but on all nodes collectively. The question of short message latency is connected to system scalability in at least one important scenario - running the same problem size as fast as possible by adding more processors. This will lead to smaller messages, much more sensitive to overhead, thus negatively impacting scalability. In other practical scenarios though, users increase the problem size as the cluster size grows, or they solve multiple instances of the same problem concurrently, thus keeping the message sizes away from the extremely small sizes resulting from maximum scale runs, thus limiting the impact of shortest message latency. I have seen many large clusters whose only job run across all nodes is HPL for the top500 number. After that, the system is either controlled by a job scheduler, which limits the size of jobs to about 30% of all processors (an empirically derived number that supposedly improves the overall job throughput), or it is physically or logically divided into smaller sub-clusters. All this being said, there is obviously a large group of codes that use small messages no matter what size problem they solve or what the cluster size is. For these, the lowest latency will be the most important (if not the only) optimization parameter. For these cases, users can just run the MPI library in polling mode. With regard to the assessment that every MPI library does (a) partly right I'd like to mention that I have seen behavior where attempting to overlap computation and communication can lead to no performance improvement at all, or even worse, to performance degradation. This is one example of how a particular implementation of a standard API can affect the way users code against it. I use a metric called "degree of overlapping" which for "good" systems approaches 1, for "bad" systems approaches 0, and for terrible systems becomes negative... Here goodness is measured as how well the system facilitates overlapping. Rossen > > -- greg > _______________________________________________ > Beowulf mailing list, Beowulf at beowulf.org > To change your subscription (digest mode or unsubscribe) visit http://www.beowulf.org/mailman/listinfo/beowulf


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A Homecoming in Natchez: U.S. Courthouse, Natchez, Mississippi
A Homecoming in Natchez is a documentary highlighting the Greek Revival style U.S. Courthouse in Natchez, Mississippi. The film chronicles the building's history beginning in the early mid-1800s to its recent renovation into a U.S. Courthouse.
The 1853 U.S. Courthouse is one of more than 200 legacy buildings under GSA's stewardship. The film is part of GSA's efforts to support the Executive Order 13287, "Preserve America", which encourages Americans to explore and enjoy our nation's heritage. It was produced for the Center for Historic Buildings, Office of the Chief Architect by the Video and Broadcasting Team, Office of Citizen Services and Communications.


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Poetic and unflinching: "Lady Lilith", 1866-68, by Dante Gabriel Rossetti
In 1848, "the year of revolutions", the authorities of Europe were living on their nerves. France, Germany, Russia, Italy and the Habsburg empire were all shaken and Britain prepared for upheaval. In September three young men met in a house on Gower Street in London to plot a revolution of their own. The agitators were not after political change, however, but an artistic convulsion. The conspirators were all students at the Royal Academy: William Holman Hunt, aged 21; John Everett Millais, aged 19; and Dante Gabriel Rossetti, aged 20. At the end of their meeting the three had come up with a name for their secret society: the Pre-Raphaelite Brotherhood (PRB).
Four other members were quickly co-opted: the painter James Collinson, the sculptor Thomas Woolner, and two art critics, Rossetti's brother William Michael and F.G. Stephens. The PRB laid out their aims in a manifesto: "1. To have genuine ideas to express. 2. To study Nature attentively, so as to know how to express them. 3. To sympathise with what is direct and serious and heartfelt in previous art, to the exclusion of what is conventional and self-parodying and learned by rote. 4. Most indispensable of all, to produce thoroughly good pictures and statues." These were young British artists with both talent and moral seriousness.
What was radical about the PRB was their dismissal of the artistic hierarchy: Raphael, the lodestar of academic art, was declared to be inferior to pre-Renaissance Italian and Netherlandish painters; Sir Joshua Reynolds, the panjandrum of art teaching, was mocked as "Sir Sloshua"; the Middle Ages were held to have been the most spiritual and creative of eras. The PRB was forward-thinking because (like earlier Romantics) it looked backwards.
Tate Britain's new exhibition, Pre-Raphaelites: Victorian Avant-Garde, includes some 175 pieces and sets out to present the Brotherhood as Britain's first modern art movement. It also emphasises the PRB's deep engagement with high Anglicanism, the role of women, the working poor and wider social issues — Holman Hunt and Millais, for example, both attended the huge Chartist gathering on Kennington Common in April 1848. The group itself lasted for a mere five years but its influence was only then gathering pace. The PRB was the direct source for the airy medievalism of Burne-Jones and the guild ethos of William Morris and the Arts and Crafts movement; it nurtured both the Aesthetic movement and the Symbolists too.
The full scope of the group's reach will be on display not just through a near full-hand of its most significant paintings, from Millais's "Ophelia" to Holman Hunt's "The Scapegoat", but also its applied arts, from Morris & Co tapestries to Burne-Jones stained glass designs and Philip Webb furniture.
So familiar is the Pre-Raphaelite look that it is easy to forget just what consternation their first productions caused. Critics were initially mystified by the PRB monogram that appeared on each painting and startled by the pictures themselves. When Charles Dickens saw Millais's "Christ in the House of His Parents" he wrote that the figure of Mary was "so horrible in her ugliness, that (supposing it were possible for any human creature to exist for a moment with that dislocated throat) she would stand out from the rest of the company as a Monster, in the vilest cabaret in France, or the lowest ginshop in England."


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3 Cups of Tea and 3 Questions with 'She'
This entry was posted on Saturday, April 7th, 2018 at 6:47 PM. It is filed under BeSimplyRadio, Meditations and tagged with guided meditation, here, learn how to be present, meditation, so, sound and silence, suzanne toro, Tina Malia.
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Suzanne Toro is here to Serve, Inspire & Shine a Light on others via BeSimplyRadio & as a (Birth|Life|Departure) Transition Guide. 'She' will connect you with 'Self' through: Sound&Silence, Way of Yoga & Tea, Food Alchemy, Wisdom & PLAY!
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Why See Kurt Vile?
Kurt Vile Heads Out On Tour With The Violaters
Dubbed the Neil Young of his generation, Kurt Vile is courageously keeping the fires of heartland rock burning, fusing the old school, blues-tinged Americana of the open roads with modern production techniques and swathes of shoegazy synth. He first introduced the world to his considerable talent in 2005 as part of the duo War On Drugs, subsequently coming into his own in a solo capacity over the course of seven studio albums. Don't miss the gifted innovator when he heads out on mammoth fall tour with his backing band The Violaters and Jessica Pratt on select dates.
Vile's signature blend of folk, rock, introspective lyrics and fuzzy, lo-fi guitar underpin his clever observations of life, which often find beauty in the mundane and revel in the ironic. His laid-back vocals and heavy-lidded soundscapes seduce the listener with their simplicity, making for hypnotic live shows filled with elliptical riffs and laconic melodies. Unhurried and in control, Vile is a showman of a different kind, shying away from gimmicks and forced crowd interaction to keep the spotlight firmly on the music.
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Performance date: 8 March 2019
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Denise Lugo at on
specify the doping concentration of the intrinsic region
I have been using ABACUS recently for my thesis work on PIN diodes, and it has been a fantastic tool.
I was wondering if it would be possible to add an extra feature to allow the user to specify the (unintentional) doping concentration of the intrinsic region too? This would be of great help to simulate a more realistic PIN diode.
Thank you very much,
Best regards