text:
Misch dominates, again in 4-1 win
Pat Misch just keeps delivering quality start after quality start.
The southpaw dealt seven strong innings on Tuesday night to lead the Bisons past the Syracuse Chiefs, 4-1. Mike Jacobs and Mike Hessman added home runs as the Herd defeated their Thruway rival for the first time in 2010.
Misch improved to 5-1 on the season and lowered his ERA to 2.83 -ninth best in the International League. He allowed just five hits and no walks while tying a season-high with seven punchouts. The lone run he allowed in the sixth inning was the only base runner to advance past third base all night.
Misch retired 16 of the first 19 batters he faced. Overall, he threw 71 of his 100 pitches for strikes. The quality start was his team-leading seventh of the year, and his fifth consecutive.
With Misch's dominance on the mound, the Bisons scored the only runs they would need in the first inning. Hessman knocked in his 54th of the season with an RBI grounder. Three pitches later, Jacobs crushed a 2-0 pitch from Chiefs' starter Shairon Martis into the berm in right-center for a two-run homer.
The blast was Jacobs' sixth of the season.
Seven innings later, Hessman provided some very loud insurance. The league's top slugger vaulted an offering from reliever Victor Garate into the parking lot beyond Oak St. It was Hessman's 18th home run of the season.
Bobby Parnell closed out the impressive win for his third save of the season. The reliever retired all six batters he faced with three strikeouts.


text: Singer/Songwriter Thursday Share: Name: Singer/Songwriter Thursday Date: September 24, 2020 Time: 7:00 PM - 10:00 PM CDT Website: http://www.thebellevilleabbey.com/entertainment/# Event Description: Enjoy live music at The Abbey every Thursday Night! To Current Calendar Location: 5801 W Main St, Belleville, IL 62226 Date/Time Information: Every Thursday | 7:00pm - 10:00pm Contact Information: *If interested in performing contact Dade Farrar at email@example.com Send an Email Set a Reminder: Enter your email address below to receive a reminder message. -- Select Days Before Event -- 1 Day 2 Days 3 Days 1 Week To Current Calendar Business Directory Events Calendar Information & Brochures Weather ShareTweetShare0 Shares ShareTweetShare0 Shares

subset: commoncrawl


text:
The King's Body: Sacred Rituals of Power in Medieval and Early Modern Europe
by Sergio Bertelli, R. Burr Litchfield (2003)
http://books.google.de/books?id=u8KHqA_ ... &q&f=false
It notes - beside much other material - a triumphal event for cardinal Vitelleschi in 1436 and another event for Corrado III Trinci in Foligno at 14th of May 1438 (after he had conquered Spoleto).
Interestingly both honored persons ended murdered in prisons, Vitelleschi in April 1440 (prisoned short before) and Corrado Trinci at 14th of June 1441(prisoned in 1439) ... so somehow in the time, which is of special interest to us.
Both died in the context of the reign of pope Eugen. If I get this right, then Vitelleschi captured Trinci, was then prisoned and killed himself some time later, and then also Trinci was killed.


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Para Hockey :: Winter Paralympic HistoryWinter sports for disabled athletes have seen a gradual increase since World War II, as injured civilians and ex-servicemen attempted to return to skiing. Some pioneers, such as the Austrian Sepp Zwichnagl, a double lower limb amputee, experimented with the use of skis with a prosthesis. Another innovation was the use of a mono-ski with stabilizers (in other words small stabilization skis fitted on ski poles, 1948). The first multi-discipline ski competitions began in the seventies. In 1974, at Grand Bornand in France, the first world championships included alpine skiing and Nordic skiing for both amputees and the visually impaired.
The first Paralympic Winter Games took place in Örnsköldsvik, Sweden in 1976, with alpine skiing and Nordic skiing competitions for amputees and the visually impaired with the a luge demonstration. The success of the first Paralympic Games led to a second event being held in Geilo, Norway in 1980. Again in 1980, at the Winter Olympics in Sarajevo, for the first time 30 athletes on mono-skis took part in a Super-G.
In 1984, the Paralympic Winter Games took place in Austria, in Innsbruck.
In 1988, the Paralympic Winter Games were held once again in Innsbruck and not at the Olympic facilities in Calgary, in Canada, for financial reasons. A total of 397 athletes hailing from 22 countries took part in the event. Sitting skiers were introduced to both alpine and Nordic competitions.
In 1992 the Games were held in Tigne-Albertville in France. For the first time demonstrations took place for alpine and cross-country skiing for athletes with learning disabilities.
Lillehammer in 1994 saw the debut of Ice Sledge Hockey, the Paralympic version of Ice Hockey.
In 1998 the Nagano Games were the first to be held outside Europe, demonstrating an increase in media interest surrounding the Paralympics.
In 2002 the Paralympic Winter Games were held in Salt Lake City, marking the first time that the Games were held in North America.


text:
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Happy people are less likely to be unemployed: psychological evidence from panel data
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The dynamic effects of retirement on well-being
Dusanee Kesavayuth, Robert E. Rosenman, Vasileios Zikos
Does well-being help you with unemployment?
Dusanee Kesavayuth, Vasileios Zikos
Retirement, personality, and well-being
Dusanee Kesavayuth, Robert E. Rosenman, Vasileios Zikos
Leaving work and wellbeing: beyond an average effect
Dusanee Kesavayuth, Vasileios Zikos, Robert E. Rosenman


text: Ring the Holidays with one of the 2013 Innova Chritmas Discs - The Atlas! The Atlas mid-range is a new direction for Innova Discs as they step into the world of over-molded discs. It features a two-part molding process that allows them to meld together the flight plate and rim. The flight plate is made of Champion plastic and rhe rim is a gummy STAR plastic for extra grip. While being made of Champion and Star parts the disc is classified as Champion by Innova Discs. The Atlas features four "compass points" located on the underside of the disc. These ports are where the rim is injected over the flight plate. Please note:The Atlas with its two-part design offers a vast array of color combinations between the rim and flight plate. As a result the colors options listed will only be for color of the flight plate. For example if you purchase a blue Atlas, you will receive a blue colored flight plate and there is no garauntee on the color of the rim. If you do need to request a certain rim color we ask that you please leave a customer note and we will do our best to to meet your requests. Because of the two-mold injection process used by Innova, the Atlas may show "witness marks" on the top of the disc inversley from the four "compass points" that are on the bottom of each disc. The "witness marks" will be discolrations or slight indentions directly above each compass point. These marks are deemed first quality by Innova and do not affect the flight in any way. Features: Speed 5 Glide 4 High Speed Turn 0 Low Speed Turn 1 Innova 2013 Christmas Disc Rim is made of Innova's grippy STAR Plastic Flight plate is firmer Champion plastic


text:
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text:
- المواصفاتتحويل المواصفات للمتريفتحة X12"فتحة Y20"القدرة30 hpالوزن2500 lbs
- عن الشركة
The ACS Group designs, manufactures, markets and supports one of the most comprehensive lines of auxiliary products for the plastics processing industry. Formed through a series of acquisitions, the ACS Group maintains an expansive product line, which includes size reduction equipment (granulators and shredders), material conveying equipment, metering and blending devices, heat exchangers (mold temperature controls units and chillers), drying systems, and presses. These products are marketed under such recognizable brand names as AEC, Sterling, Sterlco, Cumberland, Wabash and Carver.


text:
Italy have a few days off before their quarterfinal match, so the team is trying a little bit of everything in training. Yesterday's session included some yoga, which, to be fair, does sound a little new-agey for Balotelli. He's more a "blow stuff up in your bathroom" sort of guy. Mario's level of participation (at least at the moment this photo was snapped)? Zero.
If you're disappointed and came here hoping for Mario Balotelli to do things, instead of not do things, here he is using a corner flag as a giant penis.
H/T Chris


text:
HRPP Document:
Effective Date:
Revision Date:
UAB Policy on Determination of Human Subject Research and Research Exempt from Federal Human Subjects Protection Regulations; IRB Review of Exempt Research
When UAB engages in research, 1 the UAB IRB is authorized to make the following determinations for research involving humans:
Only the IRB can make a authoritative determination as to whether an activity is human subjects research. No investigator is authorized to determine that his or her human subjects research is exempt. Determinations of whether research involving humans constitutes research in human subjects under, or is exempt from, federal human subjects protection regulations may be delegated by the IRB to an experienced IRB member or to a member of the OIRB administrative staff knowledgeable about this area of federal regulation. All determinations must be made in accordance with applicable federal regulations and guidance and be ratified by the IRB. UAB does not consider research involving only coded private information or coded human biological specimens to involve human subjects as described by OHRP guidance.3 Only federal exemptions may be recognized by the IRB. Each determination and its basis must be documented and communicated to the investigator.
For research involving humans that is determined to be exempt from, or not human subjects research under, federal human research subjects protection regulations, the IRB is authorized to review any proposed or implemented change(s) to the research to determine whether it alters the previously assigned status of the research. For research that is determined to be exempt or not human subjects research, the IRB is authorized to review the research to determine if the research meets UAB's ethical standards. UAB has adopted the principles of the Belmont Report as its ethical standard for research involving humans unless some other appropriate ethical standard controls the research. Ethical review may be accomplished by expedited review procedures or a convened IRB meeting. UAB, upon recommendation of the UAB IRBs or of its own accord, may designate classifications of research involving humans for IRB review in addition to those required by federal regulations.
See also: Definitions in POL001.
Coded means that:
Interaction includes communication or interpersonal contact between the investigator and subject.
Intervention includes both physical procedures by which data are gathered (for example, venipuncture) and manipulations of the subject or the subject environment that are performed for research purposes.
Individually identifiable refers to private information or specimens that can be linked to specific individuals by the investigator(s) either directly or indirectly through coding systems. Private information or specimens are not considered to be individually identifiable when they cannot be linked to specific individuals by the investigator(s) either directly or indirectly. For research covered by HIPAA privacy regulations, research information comprising protected health information will be considered not to be individually identifiable if it does not contain any identifiers in accordance with HIPAA standards.
Investigator means anyone involved in conducting the research. Individuals who provide coded information or specimens to investigators for research and collaborate on other activities related to the conduct of the same research with the investigators who received such information or specimens are considered to have involvement with the conduct of research. Examples of such additional activities include, but are not limited to: (1) the study, interpretation, or analysis of the data resulting from the coded information or specimens, and (2) authorship of presentations or manuscripts related to the research.
Private information includes information about behavior that occurs in a context in which the individual can reasonably expect that no observation or recording is taking place, and information or a biological specimen(s) which has been provided for specific purposes by an individual and which the individual can reasonably expect will not be made public (e.g., a medical record, biopsy tissue). Private information or specimens must be individually identifiable (i.e., the identity of the subject is or may readily be ascertained by the investigator or associated with the information) or, if the research information is protected health information (PHI) under HIPAA, the PHI must be considered identifiable under HIPAA standards.
Research using coded private information or coded biological specimens does not constitute human subjects research as defined under the OHRP definition above if both of the following conditions are met.
Test article means any drug for human use, biological product for human use, medical device for human use, human food additive, color additive, electronic product, or any other article subject to regulation under the FD&C Act, as amended, or under Sections 351 or 354-360f of the Public Health Service Act, as amended.
Approved on March 1, 2010, by:
Richard B. Marchase, PhD
Vice President for Research and Economic Development
Ferdinand Urthaler, MD
IRB Chair
Sheila Deters Moore, CIP
OIRB Director
1 OHRP Guidance: Engagement of Institutions in Research.
2The term federal human research subjects protection regulations refers to 45 CFR Part 46 and 21 CFR Parts 50 and 56. Exemptions from all or part of the federal human research protections regulations are listed at 21 CFR Sec. 56.104, 45 CFR Sec. 46.101(b)(1) – (6), 45 CFR 46.101 (i), 45 CFR 46.301(a), 45 CFR 46.401(b), DoD Directive 3216.1 E2.1.1., DOJ 28CFR 12.10
3 OHRP Guidance: Guidance on Research Involving Coded Private Information or Biological Specimens.


text:
Material: Metal
Size: W6cm x H16cm
Color: Metallic black
Voltage: 220V
Wattage: 6W
Lumens: 480lm
Adjustable Angle: 180º
Bulb Type: GU10
Complimentary 6W LED bulb provided with every lamp purchased.
Lustro Tracklight
Light Color
- Shiok Lighting have ready stocks for all items, reducing uncertain waiting time for our clients.
- We have a gallery located at 1093 Lower Delta Road, #07-11. All products are displayed in our store. It is advisable to come by our gallery if you have any specfic concerns while we offer complimentary consultation and possible bespoke solution.
- Delivery can be arranged within 5 working days and self pick-up is available in our store for clients with tight timeline.
- We do not charge GST, hence all products prices are nett. All lighting products comes with free bulbs and their full set of lighting components.
- We have 12 months warranty for all our lamps. Kindly keep your invoice for warranty purposes.


text:
Weddings are big business. We've all heard that the word "wedding" in front of photographer or caterer will automatically double the price you're quoted. But did you know that the average Canadian couple spent $23,330 in 2011 on their big day, according to weddingbells.ca? So how can you stop your fairytale day from turning into a financial nightmare? It's worth remembering the financial impact of your wedding day when one of the biggest causes of divorce is debt and financial worries - so don't start married life with financially crippling debts.
Here are some tips for holding your wedding on a budget.
Set a budget
This might seem an obvious point, but so many couples fail to start at the very beginning: Work out what your maximum spend can be. Before you book anywhere or buy a single thing for your big day, figure out how much money is in your wedding fund. This will ensure that you don't have a mountain of debt to come home to from your honeymoon.
If you can possibly avoid it, don't borrow money for the wedding. Credit cards or loans will start married life with unwanted debt. If you absolutely must use credit for your wedding, it should be well planned and controlled. A good rule is to never borrow more money than you can afford to pay back within a year.
Once you know exactly how much money you have to spend - whether in cash or planned borrowing - you can start to plan your big day. Do not forget this important step.
Cut the venue costs
The venue is usually the biggest expense of any wedding. If you can make savings here then you will be on your way to a wedding on a budget.
If you can bag a free venue, this would be a huge help. Perhaps you know someone with a large yard you can use. Or how about using a public park for your reception and holding a large picnic for friends and family?
If you can't get a free venue, then perhaps you could pick an unusual date for your wedding. Having your wedding on a Friday or a Sunday could save you a large percentage on the venue costs. Equally, how about a winter wedding? Although winter weddings are becoming more popular, there tend to be fewer bookings, leaving you more space to negotiate on price.
The dress
When it comes to buying your dress, don't be shy - visit bridal departments and salons and inquire about upcoming sales and designer trunk shows. Smaller boutiques may also be willing to bargain.
If you really want to make savings, consider buying your dress from overseas. For example, China has a roaring dressmaking industry that you can access through eBay. Quality and reliability will vary between sellers, so do your research, ask questions and request samples before buying – but you could buy a made-to-measure dress for around $200.
Wedding gifts
Many couples only consider gifts at the last moment, but this can help you with your wedding and related costs. Nowadays, many people already live together when they get married, and thus do not need the toasters, silverware and other home items that were historically given.
Therefore, don't be afraid to ask for cash on your wedding day. There are many ways you can do this. Envelopes on the day, money into a special bank account, even a "honeymoon" fund.
You could also ask friends to offer their skills to you as their wedding gift. This will make your wedding day all the more personal and memorable, and will seriously cut costs.
Do you have a friend who could make your wedding cake? Someone who is handy with a camera who could take your wedding photographs? A friend who can craft the wedding favours or place settings? Do you have a friend who is a DJ? Could a beautician friend do the hair and makeup?
All of these things will avoid the price trebling effects of getting married, and your nearest and dearest will be delighted they can help you on your special day.
Aim low on the guest list
Last, but by no means least, it's very easy to over invite people, so think very carefully about the guest list. The numbers will soon add up, and if you are having a sit-down meal, this will send the price up and up. Stick to close friends and family, and do not feel obliged to invite plus-ones or distant relatives. Consider whether you would happily buy them a meal and drinks on any other day of the year. If the answer is no, perhaps they don't need an invitation!
The bottom line
Don't ever forget the purpose of your wedding day: to get married. If you spend $5,000, you will be just as married as the couple who have spent $30,000.


text:
Welcome to Research magazine's Advisor Hall of Fame, now in its 23rd year. (Full list: Past and present winners.) This eagerly anticipated annual feature has become a benchmark of excellence in our industry and an example to all of the rewards that result from effort and integrity.
Candidates who pass our rigorous screens have served a minimum of 20 years in the industry, have acquired substantial assets under management, have demonstrated superior client service and have earned recognition from their peers and the broader community for the honor they reflect on their profession.
Jay Nagdeman, president of Suasion Resources in Fairfield, N.J., performed the contest's final judging, bringing to the task his extensive industry experience as a top consultant on financial services marketing.
Drew Bilotta
When advisor Drew Bilotta left his longtime corporate home in 2007, he was very close to, as he puts it, "just" retiring. He couldn't. "It would not have rung true for me to say 'Oh well, I made mine. Now you're on your own.' There was something bogus about that. This is what I do."
Bilotta, 52, has a deep need not just to give back, but, simply, to give—a characteristic that shapes not only how he operates as an advisor but who he is as a person.
"I've got to do it," says Bilotta, founder of PAX Partners, a Raymond James & Associates affiliate in Wayne, Pa. "It's a driving force."
Since joining Raymond James & Associates from Merrill Lynch, Bilotta has sought to construct what he calls "the grail of perpetuity," a succession plan that will allow him to "close the loop in gratitude" for all his clients have provided him.
Bilotta, who manages $440 million in assets for 350 households, currently works with a nephew-in-law whose practice is concentrated in corporate executive benefits. He is mentoring him on the private client business. PAX Partners also has three client service associates.
Bilotta is contemplative about his leadership style.
"There is no task too small I wouldn't do. If the phone rings, I pick it up. I'm organized and structured. I'm here at five every morning, out at 4:30, like the rat on the wheel. One of my failings is you can't expect people you lead to be just like you," says Bilotta, a certified financial planner since the 1980s. "I'm trying to change that."
What Bilotta does do well—extremely well—is to engage people.
"I want to hear what they think. I want them to be affirmed in the positives, reflect on the negatives—and act on it. It's much like my business. I know there are many who would scrutinize my business and tell me how to do more business. I understand that," he adds. "If business is your driver, I know how more business can be done."
More important to Bilotta than building assets is tending to people with sensitivity and compassion.
"To me that's number one. I don't need more business," he says. "That's not why I come to work in the morning. I come because I'm very committed and devoted to these relationships. I'm juiced by them. I love this element of it. That's what I'm trying to perpetuate."
Bilotta got his start in the business at Merrill Lynch when he was 22, making as many as 200 cold calls a day. He liked it.
"I believed in being straightforward and I was amazed at where you could take a phone call and how you could engage in the beginning of a relationship," says Bilotta, who has a bachelor's in business administration from the University of Pennsylvania. "If the person was happy with their advisor, I'd say: 'Good. I hope that's what my clients say to the next guy who calls them.'"
Bilotta has never asked friends or family to do business with him. They have come to Bilotta. When he left Merrill, he told clients he was changing firms but left it up to them to call if they wished to continue the relationship. Eighty-five percent of his clients accompanied him to PAX Partners, which stands for "Planning Around Xpectations."
In thanks, Bilotta donated $100 to every client's favorite charity. Since then, PAX Makes a Difference, as it is called, has contributed monthly to a client's charity. Over 80 organizations have been touched so far.
Tom Walrond, a regional director for Raymond James & Associates, says Bilotta is known for his "generous spirit, herculean work ethic and unquestionable integrity." Tash Elwyn, president of Raymond James & Associates, adds that Bilotta epitomizes the word "professional."
"Simply put, Drew gets it. He cares about his clients, his community, and being the best he can possibly be for them. He holds himself to high standards and expects the same of those around him as well as his firm, thus requiring all of us to keep pace with him."
To keep balance, Bilotta runs. He prays. And he listens to The Great Courses, university-level lessons on philosophy, theology, math and science. At the moment, Bilotta and his wife, Dierdre, both passionate philanthropists, are contemplating what cause is next for them.
"Everything we've ever been involved in just happened," says Bilotta, who most recently has supported an orphanage in Honduras as well as Friends for Friends, a non-profit that donates funds to neighbors in need. "I wouldn't even call it philanthropy. To use someone else's words, it's paying it forward. For me, it's beyond financial. That's wonderful but it's easy too. I like grassroots because it requires all of you to be involved. I'm at a place in life now that's all about discovery. I'm excited about what's next."
Shelly Church
As a child, Shelly Church watched her divorced mother struggle to provide a comfortable home for her and her five sisters. She worked minimum wage jobs at places like Walmart and the local hardware store and, at one point, drove a school bus.
"She made it work. In spite of my mom not having a lot in life, she never complained or made us feel we were less than important. I never felt like I was without," says Church, whose Naples, Fla.-based Church & Box Planning Group of Raymond James manages $285 million in assets for 120 households. "But seeing her struggle as a single mom for years probably motivated me more than anything. I wanted to figure out how not to end up like that."
Today, Church, 59, heads a comprehensive investment and financial planning practice whose focus includes the conservation of family resources. One of her specialties is financial planning for divorced and widowed women. In 2011, Church published an e-book, Divorce: What Every Woman Should Know. Its successor, on widowhood, is due out soon.
After going through her own divorce in 1996, Church realized there was a void in the market when it came to financial advice. Her aim: to fill it.
"If it was difficult for someone like me, who knows finance, how difficult must it be for other people? Until I went through it myself, I didn't really get it. I couldn't believe how fearful I was about not being able to support my children. I had this tremendous fear I would lose clients and lose income," she says. "It was an unjustified fear but it was real in that moment."
Church subsequently contacted local family law attorneys, offering her services as a financial advisor who could help navigate the tricky terrain of divorce. Today, it's a mature business. Roughly one-third of the group's referrals come from divorce attorneys.
As part of the process, Church helps the attorney's client formulate monthly budgetary needs. She assists in collecting documents for mandatory discovery and analyzes brokerage statements for any tax implications. She also attends mediation hearings—and she does it all for free.
"The key to the success of these referrals is I make it crystal clear to every client that I do not have a financial interest in the referral. There is no sharing of commissions. I get paid as a lawyer. Shelly gets paid as a financial advisor," says attorney John E. Long, who has worked collaboratively with Church for over a decade. He is also her client. "By the time we get to mediation, the client has as much trust in her as they have in me. We are a team working in the client's behalf. All my clients adore her. It's only natural for clients to place their money with Shelly. I can't remember any who haven't."
Church immersed herself early on in all things financial. Largely self-educated, she started her own firm, Diversified Financial Group, in 1984. The firm sold mutual funds and limited partnerships. A few years later, when she became a certified financial planner and fully licensed, Church broadened her reach to include comprehensive financial planning. She joined Raymond James & Associates in 1994.
Church connects deeply with clients—in part by sharing her own stories: her economic beginnings, her divorce, and the loss of her son Kyle, who died of heart disease in 2005 at the age of 18.
"I think when you're real with people they trust you more. I lay everything out. What you see is what you get," says Church, whose partner Ilona Box started out as her sales assistant 16 years ago. "We dive pretty deep into our clients' personal lives. A lot will share stories with us even their kids don't know. That's where it really makes a difference. They are totally comfortable having those kinds of conversations."
Just recently, a client learned he had brain cancer. First, he told his wife, then his two kids. He called Church next. "It's like we're family," she says. "It becomes very personal."
On Church's desk is a plaque that says: "One of the deep secrets of life is that all that is really worth doing is what we do for others."
For Church, these aren't random words.
It's how she lives her life.
She mentors women advisors new to the business. She's a role model for client families. And she has long been involved with the American Heart Association, carrying on her son's legacy by raising almost $700,000 for the organization.
"I don't have many bad days. I've always been able to look out and realize that no matter how bad my life is, there's always something worse out there. It's what got me through life when I lost my son. There are others who have so many more problems than I do," says Church. "One thing I know more than anything is that the more you give—I give—the more that comes back in so many ways. That's the secret of my life."
Jeffrey Concepcion
In 2008, Jeff Concepcion faced a tough choice. After being forced out by Lincoln Financial, his corporate home for 23 years, he could have taken a handsome severance package and waited for his non-compete to expire.
Or he could chase his dream and build his own advisory firm—a place where every advisor is an equity owner and the client comes first.
"I didn't take a paycheck for three years and worked seven days a week," says Concepcion, 48. "In the beginning, the business was losing $80,000 a month. I put up all the capital because I wasn't willing to take other people's money until I knew it was viable. There's no debt because we've never borrowed. There's no outside investment. And today, I can tell you, we are meaningfully profitable."
Last year, FINRA awarded Concepcion $2 million in damages in connection with an arbitration case he had filed against his former employer. That victory, he says, provided some vindication. But nothing feels sweeter to him today than the wild success of Stratos Wealth Partners, his Solon, Ohio-based RIA, an affiliate of LPL Financial.
Five years out, Stratos Wealth Partners, with more than $6.1 billion in assets, has over 170 advisors in 58 offices in 19 states. The firm has added over 45 advisors this year and in just one month opened offices in Cedar Falls, Iowa; Scottsdale, Ariz.; Birmingham, Mich.; Gulfport, Miss.; and Lexington, Ky.
The design of Stratos Wealth Partners was never back-of-the napkin. For months after leaving Lincoln Financial, Concepcion and two assistants worked on the business plan in a 10-foot by 10-foot storage closet donated by a friend. They called it the Bat Cave.
"I thought the industry was out of balance. Fundamentally, wirehouses and the banks gave advisors too small a share of the revenue pie in exchange for the services they received back. Those are the lowest payouts in the industry," says Concepcion. "At the other end, you have the independents who hang up their shingle and are getting all the revenue but no support or collaboration. What I wanted to create was something in-between."
In the Bat Cave, Concepcion worked the numbers: What was the most he could pay advisors and still have enough left over to provide an unusual and meaningful support structure along with modest profits?
The result is a pair of business models—one a full-service option with a 63% payout for an advisor with $500,000 in gross revenue, as an example; the other a do-it-yourself offering with an 80% payout.
What has advisors most excited are all the bells and whistles: a transition team that makes multiple on-site visits; trading accounts that are visible on smart devices; an all-in-one investment solution that allocates equally between exchange-traded funds managed on a quant basis and mutual funds managed on a fundamental basis; and, not surprisingly, ownership equity.
"There's no one I would give any form of control to—except Jeff. He's trustworthy, he has the highest level of integrity and he always does what's right by the clients," says Bob Heksch, who joined the firm in early 2009 from AIG. Heksch is a co-advisor with Concepcion and manages $180 million in assets. He and Concepcion got their start in the business together in the late 1980s. "I know that he's going to make the right growth decisions and that he's focused on my partnership equity. It's a great solution for someone who wants to go independent."
Advisors who know him well call Concepcion "dynamic," "supportive," "charismatic" and "intensely loyal." Here's another adjective: energetic. On one recruiting trip recently, he spent Monday in Arizona, Tuesday in Utah and Wednesday in California, flying the red-eye home to Ohio that night. It's not unusual for him to schedule eight meetings a day.
"I never aspired to be in 40 or 50 locations in all these places," says Concepcion, who cuts traveling to a minimum during summers when his two kids are at home. "It's basically been word-of-mouth growth as a result of advisors who are extremely happy here."
What kind of advisor is Stratos Wealth Partners targeting? Two-thirds come from wirehouses or banks, the rest from the independent sector. On average, the advisors are pulling in $400,000 to $500,000 in gross revenue. They oversee all manner of practices but what they do have in common is that they operate compliantly and want to grow their businesses.
Not surprisingly, one of Stratos Wealth Partners' biggest selling points is Concepcion himself. He's heavily involved in not only recruiting but coaching—and it is routine for him to meet with his advisors' top clients, prospects and centers of influence to help take those relationships to a higher level.
On Concepcion's recent trip out west he looked at 20 "opportunities to affiliate," as he puts it. Four, maybe five, passed muster.
"What we are looking for aren't good partners but great partners. They're using our name in the marketplace. We'd rather grow slowly with good people," he says. "And assuming we deliver value and treat them well, the rest of the stuff takes care of itself."
Jim Ferrare
What do you get when you marry the services of a top 30 accounting firm with a private wealth management company? PWM Advisory Group, a joint venture—and adventure—that Managing Principal Jim Ferrare says adds new luster to the RIA space.
"I think this is one of the most unique partnerships in the industry. It should be a model for other RIAs to follow," says Ferrare, 53, "I think for me it may be what I'm most proud of—to have an opportunity to build something that will help clients that did not exist before. It's incredibly rewarding."
PWM, short for private wealth management, was born out of a friendship. In the late 1990s, Ferrare was an investment advisor for Pinnacle Associates and Bill Hagaman was a partner at WithumSmith+Brown, an accounting firm. They had mutual clients and both had growing businesses in New Jersey. Fast forward 13 years: WS+B, now headed by Hagaman, is one of the largest accounting firms in the country without a wealth management division.
"In 2011, we finally said: 'Let's do something'," says Ferrare, who oversees Pinnacle's private client group and serves as co-portfolio manager on two of its investment offerings. "For years, we talked about it."
PWM Advisory Group was rolled out last year to serve the accounting firm's clients who suddenly need investment advice. The target market: new wealth in the $2 million to $20 million segment. Typically, clients are selling a business, have recently divorced or are the recipients of trusts, insurance proceeds or personal injury settlements.
"A big part of the business are clients in transition," says Ferrare, who provides investment advice along with three partners. "We pretty much handle any situation. If someone is selling a business, I might jump into a meeting during that process, or prepare someone for what financial life will look like after a divorce. There's a lot of fear around divorce. Part of our job is to take them through the fears they have and let them know that they'll be fine, that they have sufficient funds."
PWM Advisory Group has a conservative investment philosophy with an offering that includes high tax efficiencies and low fees. The firm gets paid 50 to 100 basis points on assets under management while sophisticated projects like legacy planning and business valuations are priced à la carte and handled by WS+B.
"It's hard to imagine many RIAs with a staff of 400 people with various levels of expertise and competencies, ranging from expats to offshore trusts. That's what this accounting firm brings to the table. You're marrying the resources of one of the largest accounting firms in the country with an experienced advisor. And you only pay for what you need," says Ferrare. "You have the best of both worlds."
At the moment, PWM Advisory Group oversees $175 million for 40 households. Hagaman, CEO of WS+B, looks for that to grow to $1 billion to $2 billion in the next five years.
"There are a lot of CPA firms out there and everybody does this a little bit differently. The unique situation here is the longstanding relationship Jim and I have had," says Hagaman, whose firm has 450 employees, including 77 accountants who are partners. "I know our clients are going to be in good hands—that the assets will be managed for wealth preservation and will be managed at a relatively efficient cost. It also increases the stickiness we have with our clients. There's a synergy here. It becomes a win-win all the way around."Coincidentally, Ferrare started his career as a CPA. After earning that designation's required accounting experience at a firm that specializes in the securities industry, he was tapped by a hedge fund. While there, he developed a strong interest in investment management and became a chartered financial analyst. When the hedge fund's largest client offered him the number two position in his family office, Ferrare took it.
"It was the late 90s, the stock market was going gangbusters and I was working for a family office," says Ferrare. "I decided I'd like not to build something for the next generation of that family but build something I could control." Ferrare joined Pinnacle Associates in 1999 where he is currently responsible for $600 million in assets under management.
In recent years, Ferrare has become involved in charitable works—sleeping one night on a New York City street to raise funds and awareness for homeless youth and encouraging his staff to donate at least 20 hours of volunteerism a year.
"More and more as I get older I realize how easy it is to help people," he says. "It didn't really hit me until the last few years. I was too wrapped up in my business. But it's extremely important to me today."
When he's not working, Ferrare climbs mountains—that's right, mountains. He has summited several peaks, ranging from Mount Washington in New Hampshire to Mount Kilimanjaro in Tanzania.
"There must be something in my DNA about the challenge. I love physical activity and I also love the mental challenge of growing a business and helping clients," he says. "It's all about going forward."
Paul A. Pagnato
When HighTower decided it wanted to establish a presence in the Washington, D.C. region, the firm had only one name on its search list: Paul Pagnato.
"We knew Paul was the premier advisor by reputation in that area. Everything we were predisposed to believe was validated emphatically when we met him," notes HighTower's Michael Parker, national director for enterprise development. "This was the individual and team we wanted to plant our flag with."
And no wonder. Pagnato, 49, heads a dynamic 17-person team that caters to a select group of 116 ultra-high-net-worth clients. Since joining HighTower from Merrill Lynch a little over two years ago, the Pagnato-Karp Group has doubled to just over $2 billion its assets under management. Some of those assets came from existing centers of influence that had been withholding major referrals—unleashing them with Pagnato's move to the independent sector.
"Most people have a 'why.' My why I get up every day is to change the wealth management industry so that people can receive pure, objective, clean, transparent advice. Our clients and our centers of influence love us being independent," says Pagnato, who has made repeat appearances on Barron's listings of top advisors. "I'm on a mission. I'm empowered. I have my why. And it's not just me; it's the entire team. The energy level, the attitude, the intensity, the sense of purpose is at a whole other magnitude. It just feels so good."
Pagnato was a scientist with McDonnell Douglas's life science division when his neighbor, a sales manager for Merrill Lynch, recruited him. A graduate of Florida Atlantic University, Pagnato joined Merrill's training program in 1992. While with the firm, he managed the Tysons Corner, Va. office and launched Merrill's Washington, D.C. private banking and investment office.
At the start, with no network of wealthy investors to tap into, Pagnato experimented with cold calling, mailers, seminars. "If you had a $2,000 IRA and you needed help with that, I would help you," he says. "A lot of times I never received compensation for the work I would do. When you do the right thing, you get rewarded tenfold."
After three years, Pagnato began to receive referrals. Five years out, after deciding he wanted to focus exclusively on the affluent, he set a minimum of $1 million. Today, the minimum is $10 million in investable assets.
Pagnato says unapologetically that his team's service model is unparalleled in the industry. It's a bold claim, one he won't retreat from. But then he doesn't believe in gold standard service. He believes in "heroic" service.
As an example, a client late last year—at Pagnato's urging—finally called upon one of the group's concierges for help. Concierges, among other things, purchase second homes, aircraft, boats and jewelry for clients. They negotiate the purchases of roughly 50 cars a year. They will even collect mail, scan it and email it to clients who live in multiple locations.
In this case, the client wanted two bedrooms at the Four Seasons in Maui over New Year's. He had tried to book a reservation himself but was told there was a 100-person wait list. The client, thanks to the concierge, welcomed in the new year at the luxury resort.
Every client who signs up with Pagnato undergoes a process called Family 360. A husband and wife, for example, meet with the group's attorney and family coach to focus on what's most important to them. The result: a family mission and values statement. Later, children—from grown adults to kids as young as eight or nine—are included in age-appropriate educational meetings.
"Philosophically, we are big believers in educating and informing children sooner as opposed to later," says Pagnato. "The sooner you bring them into the fold, the better your odds of the wealth being maintained."
One undeniable signature of the Pagnato-Karp Group is innovation.
As Pagnato puts it: "We are extremely forward-thinking. We embrace technology. We're always cutting edge on every aspect of what we do. We want to continually improve the value we provide our clients."
Many of Pagnato's clients are former military or worked in the intelligence community. Recently, the need arose for both personal and cyber security. In one instance, a client was worried about a child's travel in Latin America. In the other, a client's computer had been hacked. Early next year, the group will roll out a security service designed by a former Delta Force operative.
On the investment side, with interest rates at historic lows, clients have expressed the need for enhanced cash flow. Pagnato's fix? Private real estate investments, agricultural financing, bridge loans and senior mezzanine financing—boutique investment opportunities he had been unable to secure while attached to Merrill Lynch.
Going forward, Pagnato hopes to add four to eight large clients each year. It is quality he is seeking, not quantity.
"My job is to ensure our culture is maintained. My job every day is to continually look for new talent for our team. It's the culture and people that make everything happen," says Pagnato. "Now, more than ever, I feel like I'm able to make an impact on the industry. That gives me energy. I very much have a greater sense of purpose today. I have my why."


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Failover Management Service Provider
|1. An Organization, Group or Community that is composed of one or more Resources and that is responsible for the supply of Failover Management related Products and/or Services to its Consumers, Clients, Customers and/or End Users.
Read More
|1) The Semantic Root Noun for this term is: Failover
2) Semantically Related Terms: The "Failover Management Glossary"
3) The Failover Management Home Page covers much more about other related terms and concepts associated with this term or phrase.


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ANGRAU Results 2013,Acharya N.G. Ranga Agricultural University Results 2013, Acharya N.G. Ranga Agricultural University BA, BCom, BSC, MA, MCom, MSc, B.Ed, BBA, MCa, MBA, Results 2013
Dear visitors we are here to give you latest information on Acharya N.G. Ranga Agricultural University from our resources we came to know that university has announced with publishing university examination results 2013, So waiting is over for the students who are looking for the results. Results have been declared online by university itself at their official website http://www.angrau.ac.in/home.aspx all of the appeared students can check and compare their examination marks with the help of this one top educational portal or also by visiting university's official website.
Indian Results Page is always here with you and for your any exams results or educational related queries; you can leave comment down below to give us a chance to provide better.
Acharya N.G. Ranga Agricultural University was established in year 1964 . It is very well reputed university in all over India, basically this university is situated at Hyderabad, Andhra Pradesh. University made its own good will from its highly qualified and cooperative faculty staff. Even facilities given to the students here play a vital role in making excellent Infrastructure which makes it finest amongst all. Every year thousands of students rely on this university for putting their future on right track


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After reading the letter from a Kenneth L. Brown from Forest Hills, regarding Honorable Joseph P. Addabbo, Jr., our New York State Senator, and Aqueduct Raceway I pondered responding, then I realized I was compelled to respond.
Firstly, as a member of a family that is represented by New York State Senator Addabbo, I take umbrage with your calling our esteemed New York State Senator, "Joe".
Also, in regard to your assumption that we his constituents are "suckers" please do not insult us with your misguided perception of what and who we are. This Project Aqueduct will benefit all of Queens with construction jobs and employment.
Every day that this Project is delayed Queens loses 1 million dollars. This is why we support our Senator in calling for a timely decision on Aqueduct. As to the "suckers" that will throw away their money, if you go by a location for busses to Atlantic City, there is always a line. The people lined up "suckers who throw their money away" are from all over, probably even some from Forest Hills.
If these individuals are to gamble, let them do it in New York City, so that we may in New York City benefit from their gambling.
In conclusion, our New York State Senator Joseph P. Addabbo, Jr. speaks for us, and we support him in his stated Aqueduct position. Your perception of we who live in his District is very misguided and without basis or knowledge.
We don't appreciate your letter or you calling our Senator, "Joe"; he is our New York State Senator who represents his constituency and their thinking and he is our New York State Senator Joseph P. Addabbo, Jr. to you and everyone else and don't you forget it.
Stephen R. Esposito


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England, c1790.
From the Royal Household of William IV.
Additional Provenance: Estate of Susan Sontag and Philip Rieff, since the 1950's
The molded top above a central roll top section opening to reveal a baize lined writing slide and an arrangement of pigeonholes and false drawers flanked by a pair of deep bowfront drawers above three drawers and raised on square tapering legs ending in brass caps and casters; the verso bearing a stamp for the Royal Household of William IV, and also indistinctly "FIRST LT"
42 1/2"H x 61"W x 22"D
William IV (William Henry, 1765-1837), the third son of George III, was known as the "Sailor King", although he reportedly saw little action. He entered the Royal Navy at age 13, fighting in the American Revolution and serving in the Caribbean. He became a Lieutenant in 1785, and Captain of the HMS Pegasus in 1786. Later that year, he was stationed in the West Indies, where he was under the command of his friend Horatio Nelson. William is credited with building the Georgian house Clarence House during his services in Antigua, although the exact dating of its construction is in question. He was eventually promoted to admiral, prior to ceasing his service in 1790. He ascended to the throne of England as William IV in 1830, reigning until his death in 1837.


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2018 BMW 6-Series : Automotive Touch Up Paint 1/2oz
Additional Information
Try our high-quality touch up paint. We only use the best materials and products for our painted auto body parts. You can finally cover up those unsightly rock chips and dings on your car with ReveMoto's automotive touch up paint.
Get it painted! Don't forget, we use Akzonobels top tier Lesonal paint brand. High quality is our standard and we want you to drive in style. Our touch up paint comes in 1/2oz bottles, the right amount to cover up any blemish. You can store our paint for up to 6 months, so don't forget to use it!
*Please view our Painted Auto Information & Warranty page for details.
Questions & Answers
Returns & Damage Policy
Non-painted parts may be returned or exchanged within 30 days of receiving the product, as long as the product is in its original, unused condition with all packaging intact.
If you have ordered the incorrect item and meet our return policy, a 25% restocking fee is subjected to the original purchase order along with a return-shipping fee paid by you, the purchaser.
For more information, read our detailed Return Policy.


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Welcome to The Northshore Academy of Martial Arts! For over 15 years, we have dedicated our lives to bringing the physical and mental benefits of Martial Arts to the Libertyville, Illinois community. Please take the time to browse our website and find out why we are considered "Lake County's Premiere Martial Arts Academy". If you have any questions at all, please feel free to call us anytime at 847.573.1672. We look forward to hearing from you!
Libertyville Martial Arts Classes
We are proud to say that our Martial Arts school has become a pillar of learning and growth in the Lake County and Chicagoland area. Whether you've never set foot in a Martial Arts school before, or if you consider yourself a seasoned Martial Arts veteran, you will benefit from training at The Northshore Academy of Martial Arts. Our Award Winning Martial Arts Programs offer a variety of Youth, Teen and Adult Classes to choose from including:
- Early Ninja Program – Martial Arts for Kids (Ages 3-4)
- Basic Ninja Program – Martial Arts for Kids (Ages 5-6)
- Youth Martial Arts (Ages 7-12)
- Youth Brazilian Jiu-Jitsu (Ages 5-15)
- Teen Martial Arts (Ages 13-17)
- Adult Martial Arts (Ages 18 and up)
- Muay Thai – Boxing & Kickboxing / Strength & Conditioning (Ages 16 and up)
- Women's Self Defense – Realistic, Effective. Physical and Non-Physical
- Martial Arts Private Youth Lessons (Ages 7-17)
- Martial Arts Private Adult Lessons (Ages 18 and up)
- Online Martial Arts Training – Advanced Rank Certification
Libertyville Martial Arts – The Benefits of our Martial Arts Programs
NSA is founded on the principles of Bruce Lee's original art, Jun Fan Gung Fu, which is based on the belief that all martial art systems, though different, contain valuable information that enhances one's skills and provides a basis of respect for other Martial Arts. We believe in the realistic and practical concept of: "Use all ways and reject none". The Northshore Academy of Martial Arts has been a primary tool for those seeking only the best in what Martial Arts has to offer:
Self-defense & Safety– Our Rank Certified Martial Arts Instructors teach only the most effective skills and realistic techniques needed to protect yourself… and your family
Physical Fitness, Strength & Conditioning– Any of Our Martial Arts Programs will help you look and feel healthier while getting… and keeping you in shape
Self-esteem & Confidence building– Our Martial Arts Style and Goal Setting System is essential for mental stamina, positive reinforcement and the ability of taking pride in a job well done
Discipline, Focus & Determination– Our Martial Arts Programs will give you… or your child… the tools needed to succeed in everyday life
Character Development– The Best Award Winning Program Lake County, Illinois has to offer. – "Athletes can get far on raw physical ability," says Robert E. Corb, PhD, a psychologist and director of the Sports Psychology Program at UCLA. "But what separates the truly elite from the rest is that they know how to use their minds."
Our Libertyville Martial Arts Program is different from the rest
We are not in the business of "Tooting our own horn" …but we think it is very important that you make the most informed decision when making any commitment for yourself… or your children. With that said… No other Martial Arts School in the Lake County area offers our Character Development Program …or… the rank certified, realistic and credible self-defense techniques that we have to offer.
We are not a "McDojo"… We are not a Franchise – We are not a school that teaches a watered-down and impractical form of martial arts in the name of making money. We are not a school that places the importance of profit ahead of teaching realistic, rank certified and credible self-defense. At The Northshore Academy of Martial Arts, Belt Advancement is earned and not purchased. Nothing promotes excellence, and builds more character, than earning something that you know you truly worked for. Ask any of our students.
We also believe it is essential that you understand the background of any Martial Arts school you are considering. Here are just a few of Our Martial Arts Accreditations and Affiliations:
The only Lake County, Illinois school certified by the Legendary Dan Inosanto in Bruce Lee's Jeet Kune Do and Filipino Martial Arts
Member of The International Law Enforcement Educator & Trainers Association
The Midwest Representative for Atillo Balintawak
The Midwest Representative for Ron Balicki's Martial Arts Research Systems
Certified by Rick Faye of the Minnesota Kali Group
A Member of the National Association for Professional Martial Artists
A Member of the Martial Arts Industry Association
A Member of the Libertyville Chamber of Commerce
Free Trial Period! …and no long term contracts
At The Northshore Academy of Martial Arts, we are passionate about helping you succeed while having fun, and enjoying the time you spend here. Take advantage of our Free Trial Period and try out the Martial Arts program that is best-suited for you or your child. Click here to get started with your free week trial period. Please give us a call if you have any questions regarding class times, pricing or location at 847.573.1672. We look forward to seeing you!
Lake County Martial Arts Classes
Our Students travel near and far to attend the Northshore Academy of Martial Arts. You may ask yourself… "Is it worth the trip?" Our Martial Arts Students would tell you "Yes". We are privileged to have students from these communities attend our Martial Arts Classes:
Antioch, Arlington Heights, Bannockburn, Barrington, Barrington Hills, Beach Park, Buffalo Grove, Chicago, Deer Park, Deerfield, Evanston, Fox Lake, Fox River Grove, Grayslake, Green Oaks, Glencoe, Glenview, Gurnee, Hainesville, Hawthorn Woods, Highland Park, Highwood, Highland Park, Indian Creek, Island Lake, Kenilworth, Kildeer, Lake Barrington, Lake Bluff, Lake County, Lake Forest, Lake Villa, Lake Zurich, Lakemoor, Libertyville, Lincolnshire, Lindenhurst, Long Grove, Mettawa, Mundelein, North Barrington, North Chicago, Northbrook, Northfield, Old Mill Creek, Park City, Park Ridge, Port Barrington, Riverwoods, Round Lake, Round Lake Beach, Round Lake Heights, Round Lake Park, Schaumburg, Skokie, Third Lake, Tower Lakes, Vernon Hills, Volo, Wadsworth, Wauconda, Waukegan, Wheeling, Wilmette, Winnetka, Winthrop Harbor, Zion and surrounding areas.


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Make America Great Again (30 Songs, 30 Days)
Submitted by The Long Winters on November 7, 2016 - 2:01pm
The Long Winters have not released any new music in the past years, but the silence has been broken as they contributed a song to the 30 Days 30 Songs campaign. In this song, written especially for this project, John Roderick speaks from the perspective of Trump voters in the folk song tradition.
» Read John Roderick's ideas behind the song and full lyrics: on the 30 Days 30 Songs website
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General - FOIA - Making requests
What is available under the FOIA?
Records available under the FOIA include all "agency records" in any format, including electronic records, that were created or obtained by the USPTO.
General - IP Basics - Other
Is there such a thing as an international trademark?
No. But you can obtain trademark protection in a number of countries by filing a single "international application" under the Madrid Protocol.
The "Protocol Relating to the Madrid Agreement Concerning the International Registration of Marks " (Madrid Protocol) is an international treaty that allows a trademark owner to seek registration in any of the countries that have joined the Madrid Protocol by filing a single application, called an "international application." The International Bureau of the World Property Intellectual Organization, in Geneva, Switzerland administers the international registration system.
You can apply for one online by using the USPTO's electronic Madrid Protocol forms.
Learn more about the Madrid Protocol from the USPTO.
Is there help to enforce trademarks, patents and copyrights overseas and stop pirated or counterfeited goods?
U.S. businesses and stakeholders that need assistance in enforcing their trademarks, patents and copyrights or help combating piracy or counterfeiting of their goods may contact the Strategy for Targeting Organized Piracy "STOP" program. In addition, U.S. businesses and stakeholders are encouraged to consult the IP Attaché pages of the USPTO website. IP Attachés can provide detailed information about the IP laws and regulations, legislative developments, and legal and administrative means that control how IP rights are protected and enforced in a particular foreign country or region.
How do I finance and/or market my invention?
The USPTO does not provide assistance on financing or marketing your invention.
We have provided links to these sites because they have information that may be of interest to our users. The USPTO does not necessarily endorse the views expressed or the facts presented on these sites. Further, the USPTO does not endorse any commercial products that may be advertised or available on these sites.
The Small Business Administration (SBA) provides excellent information on starting, planning, marketing, obtaining venture capital and financing a small business. The SBA also provides training and counseling.
Do I need to hire a lawyer or agent?
The patent application process is complex. The USPTO cannot assist in the preparation of patent application papers. If you are ready to apply for a patent, we strongly advise you contact a registered patent attorney or agent. Although the USPTO cannot recommend any particular attorney or agent, we do maintain a roster of patent attorneys and agents registered to practice before the USPTO. Only registered attorneys and agents may help others to obtain patents.
If you are ready to apply to register your trademark, we strongly advise that you contact an attorney who is experienced in trademark prosecution. The USPTO does not maintain a roster of trademark attorneys. An attorney who is a member in good standing of a state bar association may prosecute your application for trademark registration. The USPTO cannot aid in the selection of an attorney and does not provide specific endorsements or recommendations of private attorneys.
What is the role of the USPTO?
The U.S. Patent and Trademark Office (USPTO) administers the patent and trademark laws as they relate to the granting of patents for utility inventions, designs and plants and the issuing of trademark registrations. The USPTO examines applications for patents to determine if the applicants are entitled to patents and grants the patents when they are so entitled. It examines applications for trademark registration to determine if the applicants are entitled to register their trademarks and issues trademark registrations. The USPTO publishes issued patents, approved trademark registrations and various publications concerning patents and trademarks; records assignments of patents and trademarks; and maintains search rooms and a national network of Patent and Trademark Depository Libraries for the use by the public to study issued patents, registered trademarks, and pending trademark applications and records relating to both patents and trademarks. It also supplies copies of records and other papers.
What free assistance is available from USPTO?
Free basic information on the patent and trademark system, forms, fees, products and services of the USPTO is available by calling the USPTO's toll-free line, 800-PTO-9199 or by calling 571-272-1000. An automated message system is available 7 days a week, 24 hours a day providing informational responses to frequently asked questions and the ability to order certain free documents. Customer service representatives are available to answer questions, send free materials or connect you with other offices of the USPTO from 8:30 AM - 8:00 PM ET, Monday-Friday excluding federal holidays. The customer service representatives can transfer your call to the Inventors Assistance Center or the Trademark Electronic Business Center for responses to practice and procedure questions. Much of this information is also available at the General Information section.
What is a trade secret?
A trade secret is information that companies keep secret to give them an advantage over their competitors. No mechanism exists to federally record or register a trade secret.
What is intellectual property?
The term intellectual property refers to creations of the mind - creative works or ideas embodied in a form that can be shared or can enable others to recreate, emulate, or manufacture them. There are four ways to protect intellectual property - patents,trademarks, copyrights or trade secrets
Can I obtain international patent protection for my invention?
Since the rights granted by a U.S. patent extend only throughout the territory of the United States and have no effect in a foreign country, an inventor who wishes patent protection in other countries must apply for a patent in each of the other countries or in regional patent offices. Almost every country has its own patent law, and a person desiring a patent in a particular country must make an application for patent in that country, in accordance with the requirements of that country. There are two treaties that provide for international protection.
One is the Paris Convention for the Protection of Industrial Property which governs 140 participating countries, including the United States. It provides that each member country guarantees to the citizens of the other countries the same rights in patent and trademark matters that it gives to its own citizens. The treaty also provides for the right of priority in the case of patents, trademarks and industrial designs (design patents). This right means that, on the basis of a regular first application filed in one of the member countries, the applicant may, within a certain period of time, apply for protection in all the other member countries. These later applications will then be regarded as if they had been filed on the same day as the first application. Thus, these later applicants will have priority over applications for the same invention that may have been filed during the same period of time by other persons. Moreover, these later applications, being based on the first application, will not be invalidated by any acts accomplished in the interval, such as, for example, publication or exploitation of the invention, the sale of copies of the design, or use of the trademark. The period of time mentioned above, within which the subsequent applications may be filed in the other countries, is 12 months in the case of first applications for patent and six months in the case of industrial designs and trademarks.
The United States is also a participant in the Patent Cooperation Treaty (PCT) which governs over 100 member countries. The PCT provides a centralized, standardized application process for filing a single application that can result in patent protection in any number of designated member countries. The timely filing of an international application affords applicants an international filing date in each country which is designated in the international application and provides (1) a search of the invention and (2) a later time period within which the national applications for patent must be filed. A number of U. S. patent attorneys specialize in obtaining patents in foreign countries.
Under U.S. law it is necessary, in the case of inventions made in the United States, to obtain a license from the Director of the USPTO before applying for a patent in a foreign country. Such a license is required if the foreign application is to be filed before an application is filed in the United States or before the expiration of six months from the filing of an application in the United States unless a filing receipt with a license grant issued earlier. The filing of an application for patent constitutes the request for a license and the granting or denial of such request is indicated in the filing receipt mailed to each applicant. After six months from the U.S. filing, a license is not required unless the invention has been ordered to be kept secret. If the invention has been ordered to be kept secret, the consent to the filing abroad must be obtained from the Director of the USPTO during the period the order of secrecy is in effect.
The USPTO is the National Office for the United States and acts in the following capacities provided for under the PCT - Receiving Office, International Searching Authority, International Preliminary Examining Authority, and Designated/Elected Office.
Learn more about the Patent Cooperation Treaty and the USPTO.
How do I find out if I need a patent, trademark or a copyright?
Patents, Trademarks, and Copyrights are three types of intellectual property protection. They are different and serve different purposes.
Patents protect inventions, and improvements to existing inventions.
Trademarks include any word, name, symbol, or device, or any combination, used, or intended to be used in commerce to identify and distinguish the goods of one manufacturer or seller from goods manufactured or sold by others, and to indicate the source of the goods. Service marks include any word, name, symbol, device, or any combination, used, or intended to be used, in commerce, to identify and distinguish the services of one provider from services provided by others, and to indicate the source of the services.
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The U.S. Patent and Trademark Office does not register copyrights. Copyrights cover literary, artistic, and musical works. Copyrights are registered at the Copyright Office, Library of Congress. Information concerning copyrights may be obtained from the U.S. Copyright Office, Library of Congress, Washington, DC 20559, or you may visit their web site at: http://www.copyright.gov. Copyright Office specialists are available to answer questions by phone Monday through Friday (except federal holidays) from 8:30 a.m. to 5:00 p.m. Eastern Time. Recorded copyright information is available 24 hours a day, seven days a week. You may contact the Copyright Office at 202 707-3000 or 202 707-6737 (TTY).
General - Strategy for Targeting Organized Piracy (STOP) - Basics
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The USPTO leads efforts to develop and strengthen both domestic and international intellectual property protection and advises the Secretary of Commerce, the President of the United States, and the Administration on patent, trademark, and copyright protection.
The USPTO:
- examines and grants patents;
- examines and registers trademarks;
- provides the public with a consolidated source of information about international intellectual property protection organizations on their International Intellectual Property webpage;
- is an active participant in the International Intellectual Property Rights (IPR) Training Database effort hosted by the Department of State that is used to provide training and technical assistance relating to protecting IPR. The USPTOalso provides training to customs officers from other countries on techniques that can be used to detect potentialIPR violations;
- provides support for international treaty negotiations, and represents United States interests regarding intellectual property rights.
- provides an attorney-advisor from their Office of Enforcement to serve as an international intellectual property attach© at the U.S. Embassy in Beijing, China.
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Bulk data products are available on the date of publication.
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What XML resources are available at the USPTO to process bulk data?
Bulk data uses different versions of XML depending on the year of data publication. Links to older versions of the documentation may be found at https://www.uspto.gov/learning-and-resources/xml-resources.
The USPTO generally does not update old files when it migrates to a new XML version, so users accessing data from different years may need to use multiple DTDs associated with the corresponding XML version to process the data.
Who do I contact for more bulk data information?
Questions and suggestions can be directed to firstname.lastname@example.com
Are there any restrictions on using the bulk data products?
There are no restrictions on the use of the data in these products, unless otherwise prohibited by law or specific agreement.
What is Extensible Markup Language (XML)?
XML is a standard way of storing structured data. It is hierarchical and can be applied to many situations (in this case to patent grant and published application information). In general XML files are designed to be used by programmers with specialized tools. For background information, a good reference is the Wikipedia XML article.
How do I view bulk data?
The bulk data can be viewed with an XML reader. A generic XML reader can extract the XML element structure. In order to perform useful automated processing with the documents, however, a program needs specific knowledge of the XML schema used, which the USPTO has documented.
The concatenated XML documents in the ZIP files, which have file extension "XML," are not the same as standard XML files and therefore will not be immediately readable by an ordinary XML parser. Instead, the files must be broken into individual XML documents, by splitting them apart at the XML declarations and/or DOCTYPE declarations.
Where do I find XML format documentation for patent and trademark bulk data?
Documentation for bulk patent and trademark data may be found at: https://www.uspto.gov/learning-and-resources/xml-resources
The documentation includes machine-readable Document Type Definitions (DTDs) and human-readable documentation for the XML formats used by an XML programmer wishing to extract information from the XML files.
Why is there a fee for some bulk data products?
The USPTO plans to eventually provide all bulk data products online at no charge. Most bulk data products are already available from the USPTO for no charge. A few bulk data products are available from USPTO for a fee, either because they are provided on physical media or because of bandwidth considerations. USPTO has made these products alternatively available online and at no charge from Reed Tech Patents or Reed Tech Trademarks.
How large are the bulk data products?
Individual bulk data files generally range in size from a few Megabytes to several Gigabytes. Collections of data can be several Terabytes.
What types of patents are included in the bulk data products?
Patent bulk data includes:
- Design Patents
- Plant Patents
- Reexamination Certificates (available only in Patent Grant Image files)
- Reissue Patents
- Statutory Invention Registration (SIR) documents
- Utility Patents
How do I find bulk data products?
Bulk data products are generally organized by type of intellectual property: patents or trademarks. Then they are organized by issue date or publication date.
Patent data includes patent grants and patent application publications with image only, text, text and image, and bibliographic; and additional information such as patent assignments, maintenance fee events, etc.
Trademark data includes application and registration images, application text, assignment text, and Trademark Trial and Appeal Board (TTAB) text.
Download bulk data: https://eipweb.uspto.gov/soms/, http://patents.reedtech.com, or http://trademarks.reedtech.com.
Do I need patent or trademark bulk data products?
Most members of the public do not need patent and trademark bulk data products. Bulk data is likely to be used by researchers, commercial vendors, academics and consultants.
To search for an individual patent or trademark, you can get that information without using bulk data. Find data in the Patent Full-Text Database or Trademark Electronic Search System (TESS).


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- July 25, 2016
- Feature
MRRSE presents this most up-to-date research on "Test Automation Market - Global Industry Analysis, Size, Share, Growth, Trends and Forecast 2016 - 2024"
The "Test Automation Market" report provides analysis of the global test automation market for the period 2014–2024, wherein the years from 2016 to 2024 is the forecast period and 2015 is considered as the base year. The report precisely covers all the major trends and technologies playing a major role in the test automation market's growth over the forecast period. It also highlights the drivers, restraints, and opportunities expected to influence the market growth during this period.
The study provides a holistic perspective on the market's growth in terms of revenue (in US$ Bn), across different geographies, which includes Asia Pacific (APAC), Latin America (LATAM), North America, Europe, and Middle East & Africa (MEA). An in-depth analysis of various geographical regions is going to provide a precise and detailed understanding of the global test automation market over the forecast period. The market overview section of the report showcases the market's dynamics and trends such as the drivers, restraints, and opportunities that influence the current nature and future status of this market. Moreover, the report provides the overview of various strategies of the key players in the test automation market and analyzes their behavior in the prevailing market dynamics.
Inquiry on this report @ http://www.mrrse.com/enquiry/1687
The report segments the global test automation market on the basis of various types of test automation into functional testing, configuration testing, web services testing, acceptance testing, compatibility testing, integration testing, load testing, security testing, mobile testing, migration testing, platform testing, usability testing, network testing, and QA process design. Thus, the report provides in-depth cross-segment analysis for the test automation market and classifies it into various levels, thereby providing valuable insights on macro as well as micro level. Classification of global test automation market into its various types offers in-depth understanding of test automation in different market scenarios.
The report also provides the competitive landscape for the test automation market, thereby positioning all the major players according to their geographic presence, market attractiveness and recent key developments. This is identified as a crucial step for getting the full overview of the market through key market leaders and the strategies adopted by them. The complete test automation market estimates are the result of our in-depth secondary research, primary interviews, and in-house expert panel reviews. These market estimates have been analyzed by taking into account the impact of different political, social, economic, technological, and legal factors along with the current market dynamics affecting the test automation market's growth.
Get a Free Sample Copy of the Report @ http://www.mrrse.com/sample/1687
IBM Corporation, Capgemini S.A., Wipro Ltd., Cognizant Technology Solutions Corp, Hewlett-Packard Company, Infosys Ltd, Tata Consultancy Services, Hexaware Technologies, and Zensar Technologies are some of the major players which have been profiled in this study. Details such as financials, business strategies, recent developments, and other such strategic information pertaining to these players has been provided as a part of company profiles. Below is the list of acronyms used in the report: RPA – Robotic Process Automation QA – Quality Assurance TaaS – Testing as a Service SaaS – Software as a ServiceLearn More
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Most people shopping for a truck want something that can adapt to different situations while being able to handle any job you throw at it. When those people come into Eide Chrysler, we immediately point them in the direct of Ram's 2018 2500. Burly, versatile, and dependable, this truck was designed to be mast the road, the trail, and the workplace.
The 2500 looks like it means business with its distinctive bold grille and firm, striking silhouette design. You can customize this truck in a number of different ways so that it perfectly represents you. Start by choosing from one of nine different trim levels: SLT, Tradesmen, Sport, Power Wagon, Big Horn, Laramie, Laramie Longhorn, Limited, and the brand new model for 2018, the Limited Tungsten. Based on what you like you can choose from five different body styles, ensuring that your new truck will command attention on the roads.
The 2018 Ram 2500 boasts a max diesel towing potential of 17,980 pounds (lbs) when equipped properly. To that end, if you want this truck to be a heavy hauler for you, it only makes sense to go with the optional Fifth-Wheel/Gooseneck Prep Package, which outfits the 2500 with a factory installed rear axle structural crossmember that allows for a fifth-wheel and gooseneck hitch. Also included in this prep package is a seven-pin connector in the bed of the truck for your wiring hookups. The truck has a tow/haul mode that adjusts the downshift schedule in order to better accommodate towing requirements. In fact, the 2500 does not just excel at towing - it is also the one to beat when it comes to hauling payloads around Bismarck ND, as well. The max payload amount with a gas engine is 3,990 lbs, which means you can load up the truck bed with heavy cargo and not have to think twice about it.
A truck is only as good as its engine, and in that department the new 2500 does not disappoint. The standard engine for this truck is a 5.7 liter (L) Hemi V8 that will get you 383 horsepower (hp) and 400 pound-feet (lb-ft) of torque. A Heavy-Duty 6.4 L Hemi V8 puts out 410 hp and 429 lb-ft of torque, while the 6.7 L Cummins Turbo Diesel I6 spits out 370 hp and up to 800 lb-ft of torque. There are two available transmission options for the 2018 2500: a six-speed automatic and a six-speed manual.
In terms of safety and infotainment, this truck is outfitted with top of the line tech. Standard this year in all trim levels are anti-lock brakes, a rearview camera, stability control, and six airbags. Parking sensors are an optional feature, as is the cargo bed camera. Different trim levels have different infotainment features, starting with Tradesmen, which has an option to upgrade to a 5-inch touchscreen (along with Bluetooth connectivity and a USB charging port). The SLT features the 5-inch touchscreen, while the Big Horn and its Texas-only sibling, the Lone Star, have the 8.4 inch touchscreen. For all the bells and whistles, you should consider the Laramie, Laramie Longhorn, Limited, and Limited Tungsten for upgrades like a premium audio system, leather upholstery, two-tone paint, chrome touches, and power-folding mirrors.
Whether for work or for play in Bismarck, Ram's new 2500 fits the bill. Reliable, tough, but still able to provide you with comfort and convenience, this truck is one of the best in its class for good reason. If you are looking for something that can just as easily be a family vehicle as it can a work truck, it is time to check out the 2018 Ram 2500.
* Pricing - All vehicle pricing shown is assumed to be correct and accurate. Incentives, credit restrictions, qualifying programs, residency, and fees may raise, lower, or otherwise augment monthly payments. Additionally, incentives offered by the manufacturer are subject to change and may fluctuate or differ based on region and other considerations. Unless otherwise noted or specified, pricing shown does not include title, registration, or tax fees and costs.
* MPG - Vehicle information, as well as features and other inclusions, may vary by model and are based exclusively on standard equipment. No claims, warranties, or guarantees have been made related to the accuracy of customer payments, model equipment, or vehicle pricing. Please call with any questions you might have and to reassert the accuracy of any information presented here.


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