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The last time Walt Bettinger sat down for an interview with Investment Advisor during a Schwab Impact conference, it was 2008 and the financial crisis was front and center. Four years later, that specific crisis has passed, but there are still serious challenges faced by advisors and their clients. In an exclusive interview on Nov. 14 with Charles Schwab CEO Bettinger and Bernie Clark, who runs the RIA platform at Schwab, we explored the challenges faced by advisors and Schwab's role on behalf of its affiliated RIAs and the entire independent advisor movement.
When asked about the independent RIA model and Schwab's commitment to RIAs, Bettinger was forthright and disarmingly honest. "We think the advisor model is simply a better mousetrap. We think that as we move into a world that is more and more transparent, with more and more informed consumers, the independent advisor model […] will continue to gather steam." What of Schwab's commitment to RIAs? "The best way to endorse [the RIA model] is the fact that it is our strategy in the affluent space," Bettinger stressed. "Schwab has had a few missteps over the years into that space, the most famous of which I won't name, but its initials are UST," he said, referring to Schwab's acquisition of U.S. Trust in 2000. Schwab sold U.S. Trust to Bank of America for $3.3 billion in early 2007. "I'm proud to be part of the management team that corrected that situation," Bettinger said, "because we believe in the advisor model."
That belief, Bettinger suggested, is reflected in his own time and energy commitment to Schwab RIAs. "The best part of my job is traveling to see clients," Bettinger said. "I meet with advisors on a regular basis throughout the year." Moreover, spending that time with advisors and advisor prospects reflects Schwab's own fiduciary standard of seeing its business "through clients' eyes." He's not immune to some modest chest-thumping on behalf of the RIA business, however: "by 2X we are the biggest, and by at least that same amount I'd say we're the best at serving them."
What specifically is Schwab doing to grow its business, and how will it support its RIAs and the entire independent advisor business? For Bettinger and Clark, the key concepts are advocacy, innovation, consistency, confidence, referrals and maintaining Schwab's culture as a "challenger brand."
Fiduciary and SRO
For Bernie Clark, the battle lines drawn around a bill introduced this year by Rep. Spencer Bachus suggests where Schwab's advocacy efforts are needed in Washington. That bill, which would have designated FINRA as the self-regulatory organization for RIAs, is an instance, Clark said, of interested parties "trying to dance around the concept of bringing what has become an independent industry back into the main fold." The largest proponents of that bill were SIFMA and "other organizations that would potentially benefit" from FINRA becoming the SRO for RIAs. "The Investment Adviser Association," in the person of IAA executive director David Tittsworth, "was the lone representative testifying on behalf of the RIA industry for not having an SRO and for not having FINRA be the SRO. There were three representatives from the wirehouse side" who testified; there's "something inherently wrong with that," he said. In discussions with legislators on the issue, Schwab realized "they didn't have the concept; so they need contextual education."
As for whether all advice-givers should operate under a fiduciary standard, Bettinger said he tends "to think of fiduciary from a bigger-picture level." He continued, "It doesn't matter what business you're in: If you're paying a fee for my advice, my advice should be based on your best interest." Bettinger said Schwab believes "so strongly" in this approach that it implemented a fiduciary model "even in our retail business" four years ago. Bettinger said the fiduciary approach is part of Schwab's overall corporate strategy that encompasses "three simple words: 'through clients' eyes.'" That is, if "I'm not seeing it through clients' eyes, I'm not putting their needs at the forefront."
Confidence and Competition
When asked whether advisors are now expecting something different from Schwab, Bettinger lists two broad expectations. "The first is what you'd expect: the tactical, service quality and technology, including Schwab Intelligent Integration," he said. The second is that Schwab is taking a more active role in the growth of the overall industry. "The independent RIA industry is not one where the pie is only so big and we're all inside the pie, bludgeoning each other to win a little bit bigger slice. It's a pie that we can grow to something dramatically larger." Clark said that when it comes to serving advisors, "we're rewarded for our innovation and consistency at the same time."
So who does Bettinger consider his biggest competitor? "The greatest competitor for our company is actually confidence." Bettinger worries about "what we can do to build and inspire confidence; the financial services industry has done a pretty effective job of undermining confidence in recent years. It seems like every six months we get another blunder by another company in the financial services industry, which splashes blood on all of us as they're injured, self-inflicted in most instances." Schwab, he said, "needs to be an organization that stands for confidence and delivers confidence; whether it's the decisions we made four years ago about the conservative way we operate our company and balance sheet, and [how we] made it through that time as the largest publicly traded company that didn't take any public assistance under TARP to where we are today."
Clark mentioned that another goal for Schwab is "growing that pie." In its retail operation, Clark said, "we have a referral program to advisors when a retail client in our company needs more sophistication" in planning and investment needs. "We refer up to $4 billion a year, new, to advisors," said Clark, referring to Schwab's Advisor Network referral platform. Bettinger said that half of Schwab's new clients come from referrals over all.
How will Schwab evolve? "The future Schwab will look a lot like the Schwab of today," said Clark, arguing that "the strategy of 'through clients' eyes' is not one that evolves because of an economic cycle or because of a changing demographic." While he expects to see "tactical shifts" in the future, including a "workforce evolution mirroring the demographics of our country," he said "the core of our strategy is timeless."
Finally, Bettinger said that Schwab will remain a "challenger brand—our clients do want us to challenge conventional wisdom to the extent that it is better for that end investor." While he acknowledged that it "may sound unusual for a company with almost $2 trillion" in assets to be thought of as a "challenger brand," he said "you can look at some of the moves we've made across the company" in 401(k)s, in Schwab Index Advantage, in ETF pricing, and in the initiatives announced at Schwab Impact as evidence. "That part of Schwab you'll continue to see accelerate."


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I am currently doing quite well with my website and my membership is increasing little by little every day.
As some of you know, for the last year I have been working with a mentor named Julie Rosenshein. I would never have Julie had it not been for Jimde reminding us to watch a show featuring one of our own members Jeffrey Wands, "We See Dead People." While setting my DVR I noticed a show on afterwards called "Psychic Kids and Twins." So of course I had to record that as well. Julie was teh featured Indigo Doc on the show. I looked her up immediately and found that she works and lives very close to me. Within 24 hours we spoke on the phone and I now work with her weekly developing my abilities to channel angels, spirit guides and protectors. Julie's mentor is Doreen Virtue who is very well known in the field for her Angel work and helping Indigo and Crystal children and Adults. The main focus of my work with Julie is through Angel Cards, but I also do work with Tarot cards and Automatic Angel Writing which is a very safe form of channeling.
I am blessed to have the ability to "see" through my third eye chakra where I can communicate with your angels, guides, and loves ones who have passed over. Below are some comments I have recently received from a few of my customers: Their names have been taken out to protect their privacy.
Dear Kira, (2/15/08)
First of all, I wanted to thank you for taking the time to do this reading for me. I actually found it very insightful. I'm sure...you know that I can be extremely skeptical toward things such as this, but I have to tell you that what you revealed to me has been extremely helpful, as well as accurate.
It is true that I have been agonizing over what direction my life will be taking within the next 6-8 months, especially on the career path. If this experience has done nothing else for me, it has helped me to realize that I need to just let go of my worries about it...what will be, will be. And actually, after taking your advice to let go of my concerns, it seemed everything fell right into place. I'm all set for my new path in life, with just a few minor tweaks to work out over the next several months.
So again, thank you for taking the time to do something wonderful for a stranger! You are truly one of the kindest people I've come across in my life thus far, and I hope you know just how appreciated you are!
With love and gratitude
Oh, Kira.....you just don't know how right you are! ..., but like you said, I believe that its going to take some time.
Thank you so much, Kira.
You don't realize how much you have helped me.
Wow. Thank you so much Kira! All of this makes a lot of sense and I feel a sense of urgency but I really need to get things in place first. It can wait a little longer but it will eventually happen. I feel better about making the right decision. It's always so scary to make such a change.
As you can see, my only mission is to help people through this wonderful gift that works through me. This ability is something each of us carries within us. Think back to your childhood when you saw and heard things that others didn't. That was your own psychic ability at its height. Most of us lose it around the age of 6 when we go to school and are told that imaginary friends don't exist, etc. Deja Vu, seeing things out of the corner of your eyes, feeling that loved ones are around us, finding things we lost in the exact place we lost them; these are all part of a world that unfortunately we do not pay enough attention. But you can change that today!
I am offering all new members and existing members the opportunity to receive ANY of my readings for one half off the regular price through March 31, 2008. I know the winter is a rough time for many of us for a myriad of reasons. Why not get some clarity with regard to your career, relationships, finances; anything that is on your mind?
My prices normally range from $20-$75, but from now through March 31st, those prices for all confirmed members will only be $10-$37.50! I know of no other psychic, clairvoyant, medium or 1-800 number that offers anything that inexpensively for a reading that could take anywhere from 30-90 minutes. Folks, you must know by now that there is no such thing as a 3 minute FREE reading? It takes at least 30 minutes to convey information to a client that he/she needs to know in order to understand their life and make it better. Those of you with whom I have worked already know that I have given out countless free readings because of something your wrote and I always take the time to follow up with any questions you may have. I am dedicated to what I'm doing and want my clients to be 100% satisfied.
Please go to: http://kiraspsychicreadings.webs.com as soon as you can to take advantage of this special offer before time runs out! You can join for free right on my home page. It is so easy!
Freewebs.com is completely safe. I have used it for over 4 months now and have never received a pop-up or any unwanted SPAM.
I so look forward to hearing from you soon and I truly wish only to help people understand what and why things are occurring in their lives.
As always, sending love & light to all,
Just wanted to add you can PM me or email me at: email@example.com with any questions about joining. Also, when you do decide which reading you would like, please email or PM me your real name, the email address you used to sign up, your question and type of reading, gender and date of birth.
EDIT: I (Aloha Spirit) merged these posts.
Edited by aloha_spirit, 17 February 2008 - 12:07 AM.

subset: commoncrawl


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ROCHESTER — Are we starting to see a pattern? Members of the American Sewing Guild (ASG) hope so.
They are reaching out to schools in an attempt to bring more kids into the art and enjoyment of sewing. They started at Rochester's McClelland School in 2011. You might think it would be difficult to get kids interested in sewing in today's world, but that's not so thanks to television shows like Project Runway.
"Last year's program at the McClelland School was very successful," said Charlene Roche, a neighborhood coordinator for ASG. "The children look forward to the next project."
The concept is simple. Volunteers visit schools once a month for about two hours and teach the students how to sew. Unfortunately, there are only four volunteers for this general area and they already visit schools in Alton, Wakefield, Meredith, Barrington and Hampton.
They need more volunteers.
"We'd like to expand it into other schools," Roche said. "We're trying to reach the young sewer."
Students use sewing machines with supervision and, of course, a needle and thread. Roche explains that the coordination and confidence they gain through sewing can last them a lifetime. She adds that the economy has caused a resurgence in refashioning and recycling clothing.
"My grandmother is a really good sewer," said fifth grader Samantha Bertrand, who wants to be a gymnast. "She makes me blankets every year."
Fourth grader Mary Elkhloury has plans on becoming a "fashionista."
AmeriCorps brought the ASG in to teach sewing as an after school program. The woman most responsible for organizing the program for the ASG is the NH Guild Vice President, Barbara Smith, a neighborhood host, who started the program at McClelland.
The ASG has had a New Hampshire chapter for 11 years. They have sent clothes to hurricane victims in various parts of the country, orphans in Africa and they have donated to a number of needy organizations since their inception.
With the McClelland students' help, small dolls have been donated to the Wentworth-Douglass Hospital Pediatric Ward, as well as surgical gowns and hats, and adult bibs for the elderly who have lost some muscle control.
"If we can get people to donate fabric, we'd love it," Roche said, adding that they are willing to pick up any donations.
Sewing experience isn't necessary to help in the schools, though a criminal record check is required. If you are interested in helping the Sewing Guild implement the program, contact Barbara Smith at email@example.com.
The American Sewing Guild is a national non-profit organization dedicated to people who believe sewing is a rewarding and creative activity. Visit the NH guild at www.nhasg.org or the national guild at www.asg.org for more information.
Keeping them in stitches
ROCHESTER — Are we starting to see a pattern? Members of the American Sewing Guild (ASG) hope so.


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This is an abbreviated version of a longer story that ran on AdvisorOne's sister site, BenefitsPro.com
Vanguard had a banner year in 2012, attracting $130.4 billion in net cash inflow through November 2012, including $46.4 billion in ETFs. This surpasses Vanguard's previous record of $104 billion in net cash inflow in 2007.
This also exceeds the previous industry record of $129.6 billion set in 2008 by JPMorgan, according to Strategic Insight data. Vanguard had $72.3 billion in equity funds, $6.3 billion in balanced funds, $54.4 billion in bond funds and outflows of just over $2.5 billion in money market funds in 2012.
Since December of last year, Vanguard has lowered expense ratios on 40 of its exchange-traded funds.
Vanguard also developed a basic financial education program for K-12 students and many teachers across the country have incorporated it into their 2012-13 curriculum. It is free and experiential and provides the tools students need to practice financial skills. Program guides and student materials can be downloaded at www.myclassroomeconomy.org.
The company also announced the retirement of Gus Sauter, managing director and chief investment officer of Vanguard, at the end of the year. Tim Buckley, managing director, will assume the role of chief investment officer. Long-term Vanguard fund manager Edward Owens, who managed the Vanguard Health Care Fund, also plans to retire Dec. 31. Jean Hynes, a long-time associate portfolio manager, will assume managerial responsibility beginning in January.
Vanguard continues its pursuit of enhanced mobile solutions for clients, although it has found that increased mobile usage doesn't mean more frequent trades. Desktop visits are about two times more likely to involve a trade than mobile visits.
Mobile visits by individual investors and plan participants have more than doubled in the past year. In addition, nearly a quarter of all interactions with financial advisors are coming from mobile devices. In 2012, Vanguard updated its mobile apps more than 30 times.
The company announced in May of this year that it was launching five low-cost ETFs available for trading on the London Stock Exchange. Vanguard Canada also expanded its fund lineup in November with the launch of five additional ETFs to Canada's low-cost, disciplined and long-term oriented ETFs.
Vanguard, headquartered in Valley Forge, Pa., is one of the world's largest investment management companies and a leading provider of company-sponsored retirement plan services.


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I was not particularly inspired by any SCM system until I dove into Git, created by Linus Torvalds, the founder of Linux. In this tutorial, I discuss what's unique about Git and I demonstrate how to set up a repository on GitHub, one the main free Git hosting services. Then I explain how to make a local copy of the GitHub repository, make some changes locally, and push them back to GitHub. The second installment of this tutorial will build on this base, explain branching and merging, and discuss a workflow that I use, which might be of interest to you. As a side note, I learned much of what I know about Git from the book Pro Git, which is is hosted free online. I recommend that you use the book to fill out the matter presented here and as a reference for later work with Git.
Why Git?
Git has numerous attractive benefits that, for me, make it my preferred DVCS:
- When you create a new branch, Git doesn't copy all your files over. A branch will point to the original files and only track the changes (commits) specific to that branch. This makes it blazingly fast to create branches compared to other approaches, such as Subversion (which laboriously copies the files).
- Git lets you work on your own copy of a project, merging your commits into the central repository, often on GitHub.com, when you want your commits to be available to others. Github.com, by the way, will host your project for free as long as it's open source. (And cheaply, if it's not. Another alternative is Bitbucket, which allows unlimited private Git repositories.) This means you can reliably access your code from anywhere with an Internet connection. If you lose that Internet connection, you can continue to work locally and sync up your changes when you're able to reconnect.
- When you screw up, you can usually undo your changes. You might need to call in an expert in serious cases, but there's always hope. This is the best "key benefit" a version control system can have.
- Git also lets you keep your commit history very organized. If you have lots of little changes, it lets you easily rewrite history so you see it as one big change (via something called "rebasing"). You can add/remove files in each commit, and certainly change the descriptions of each.
- It's open source, fast, and very flexible, so it's widely adopted and well-supported.
- With Git, you can create "hooks," which enable actions to occur automatically when you work on your code. A common use case is to create a hook to check the description submitted with each commit to make sure it conforms to a particular format. Perhaps you have your bugs described in a bug tracking system, and each bug has an ID #. Git can ensure each message has an entry for
"Bug: SomeNumber".
- Another under-appreciated feature is how Git tracks files. It uses the SHA-1 algorithm to take the contents of files and produce a large hexadecimal number (hash code). The same file will always produce the same hash code. This way, if you move a file to a different folder, Git can detect that the file moved, and not think that you deleted one file and added another. This allows Git to avoid keeping two copies of the same file.
- While Git is not necessarily the most intuitive version control system out there, once you get used to it, you're able to browse through its internal directories and it makes complete sense. Wondering where the file with the hash code
"d482acb1302c49af36d5dabe0bccea04546496f7"is? Check out this file:
"<your project>/.git/objects/d4/82acb1302c49af36d5dabe0bccea04546496f7"There are also lots of lower-level commands that let you build the operations you want, in case, for instance, Git's
mergecommand doesn't work how you'd like it to.
Let's jump in. In whatever programming language, you're going to start a new project, and you want to use version control? I'm going to create a silly, sample application in Scala that's very easy to understand for a demonstration. I'll assume you're familiar with your operating system's command-line interface, and that you're able to write something in the language of your choice.
Github is one of the go-to places to get your code hosted for free and it's what I'll use here. (BitBucket, Google Code, and SourceForge are some of the other free repository hosts that support Git). All these hosts give you a home for your code that you can access from anywhere. Initial steps:
- Go to http://GitHub.com and "Sign up for Github"
- You'll need Git. Follow this step-by-step installation process
- Review how to create a new repository
- Finally, you're going to want to get used to viewing files that start with a "." These files are hidden by default; so at the command line, when you're listing the contents of a directory, you need to include an "
a" option. That's "ls -a" in OSX and Linux, and "
dir /a" for Windows. In your folder options, you can turn on "Show hidden files and folders" as well.
Once you get this far, there's nothing stopping you (outside of setting aside some time to explore what Git has to offer). Let's look at some of the typical actions.
Clone a Repository
Cloning a repository lets you grab the source code from an existing project (yours or someone else's) that you have access to. Unless it's your project, you won't be able to make changes unless you "fork" the project, which means creating your own copy of it under your own account, after which you can modify it to your heart's content. I keep all of my projects locally (on my computer) in a "projects" folder in my home directory,
"/Users/sdanzig/projects", so I'm going to use "
projects" for this demo.
First, I fork my repository…
I create a sample project, called
potayto, on GitHub, as you now should know how to do. Let's get this project onto your hard drive so you can add comments to my source code for me. First, log into your GitHub account, then go to my repository at https://GitHub.com/sdanzig/potayto and click Fork:
Figure 1: Forking (cloning) a repository.
Then select your user account on GitHub and copy it there. When this is complete, it's as though it were your own repository and you can actually make changes to the code on GitHub. Now, let's copy the repository onto your local hard drive, so we can both edit and compile the code there.
Figure 2: Copying a repository.
Folder Structure
There are a few key things to know about what Git is doing with your files. Type:
cd potayto. There are useful things to see here when you list the contents in the potayto folder, being careful to show the hidden files and folders (with the
–a option):
Figure 3: Examining the contents of a Git repository.
The src folder contains the source code, and its structure conforms to the Maven standard directory structure. You'll also see a .git folder, which contains a complete record of all the changes that were made to the potayto project, as well as a .
gitignore text file. We're not going to dive into the contents of .git in this tutorial, but it's easier to understand than you think. If you're curious, please refer to the free online book.


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The broad-spectrum formula provides a powerful synergistic concentration of Vitamin C, representing 332% of your daily intake, which helps support the immune system and protect cells against oxidative stress. Free from dairy, soya, gluten, wheat grain and added sugar. Suitable for vegetarians and vegans. Cruelty-free and certified organic by the U.K. Soil Association.
Directions of use:
If you'd like to know the ingredients for any of our products, please drop us an email and we'll send you an image of the product with the ingredients shown. Manufacturers change their ingredients regularly, sometimes without letting us know. By sending an image, we ensure that you receive a current & up to date list.
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text:
GLENDALE, Ariz. (AP) As Oregon coach Chip Kelly was about to receive the massive Fiesta Bowl trophy, Ducks fans inside University of Phoenix Stadium started a chant of ``We want Chip!''
Whether he returns or not is up in the air.
If Kelly does head to the NFL, this was a great send off.
Sparked by De'Anthony Thomas' 94-yard touchdown return on the opening kickoff, No. 5 Oregon turned the Fiesta Bowl into a track meet from the start and bolted past No. 7 Kansas State 35-17 Thursday night in what could be Kelly's final game with the Ducks.
``This wasn't going to be a distraction,'' Kelly said of reports that he was headed to the NFL. ``It wasn't a distraction for me - I think it's an honor. But I think it's an honor because of the players we have in this program that people want to talk to me.''
Teams that had their national title aspirations end on the same day, Oregon and Kansas State ended up in the desert for a marquee matchup billed as a battle of styles: The fast-flying Ducks vs. the methodical Wildcats.
With Kelly reportedly talking to several NFL teams, Oregon (12-1) was too much for Kansas State and its Heisman Trophy finalist, Collin Klein, who were playing catch-up from the start.
Thomas followed his before-everyone-sat-down kickoff return with a 23-yard touchdown catch, finishing with 195 total yards.
Kenjon Barner ran for 143 yards on 31 carries and scored on a 24-yard touchdown pass from Marcus Mariota in the second quarter. Mariota later scored on a 2-yard run in the third quarter, capped by an obscure 1-point safety that went in the Ducks' favor.
Even Oregon's defense got into the act, intercepting Klein twice and holding him to 30 yards on 13 carries.
``We got beat by a better team tonight, combined by the fact that we let down from time to time,'' coach Bill Snyder said after Kansas State's fifth straight bowl loss.
Last year's Fiesta Bowl was an offensive fiesta, with Oklahoma State outlasting Stanford 41-38 in overtime.
The 2013 version was an upgrade: Nos. 4 and 5 in the BCS, two of the nation's best offenses, dynamic players and superbly successful coaches on both sides.
Oregon has become the standard for go-go-go football under Kelly, its fleet of Ducks making those shiny helmets - green like Christmas tree bulbs for the Fiesta Bowl - and flashy uniforms blur across the grassy landscape.
Thomas offered the first flash of speed, picking up a couple of blocks and racing toward a not-so-photo finish at the line.
Thomas hit the Wildcats (11-2) again late in the first quarter, breaking a couple of tackles and dragging three defenders into the end zone for a catch-and-run TD that put the Ducks up 15-0.
It's nothing new for Oregon's sophomore sensation: He had 314 total yards and two long touchdown runs in the 2012 Rose Bowl. The Ducks are used to it, too, averaging more than 50 points per game.
And they kept flying.
Oregon followed a missed 40-yard field goal by Kansas State's Anthony Cantele by unleashing one of its blink-and-you'll-miss-it scoring drives late in the second quarter. Moving 77 yards in 46 seconds, the Ducks went up 22-10 at halftime after Mariota hit Barner on 24-yard TD pass.
Alejandro Maldonado hit a 33-yard field goal on Oregon's opening drive of the third quarter and Mariota capped a long drive with an easy 2-yard TD run to the left. Kansas State's Javonta Boyd blocked the point-after attempt, but even that went wrong for the Wildcats. Chris Harper was tackled in the end zone for a bizarre 1-point safety that put Oregon up 32-10.
It was the first 1-point safety in major college football since 2004 when Texas did it against Texas A&M, STATS said.
``There were so many things that could have changed the outcome of this game,'' Kansas State linebacker Arthur Brown said.
Kansas State needed a little time to get its wheels spinning on offense, laboring early before Klein scored on a 6-yard run early in the second quarter.
Klein kept the Wildcats moving in the quarter, though not toward touchdowns: Cantele hit a 25-yard field goal and missed from 40 after a false-start penalty.
Klein hit John Hubert on a 10-yard touchdown pass early in the fourth quarter, but all that did was cut Oregon's lead to 32-17.
He threw for 151 yards on 17 of 32 passing.
``It wasn't really complicated,'' Kelly said of slowing Klein. ``He's a great player, one of the greats of college football. I had my heart in my throat a couple of times watching him around, but our guys just made plays when they had to make plays.''
By doing so, they may have put a nice exclamation point on Kelly's college career.


text:
Two friends are taking their ultimate road trip, an 11,000-mile journey from upstate New York to Alaska and back.
Retracing the footsteps of infamous mobsters. Living the cowboy life in Canada. Waking up under the stars and to silence at sunrise. Finally seeing a great grizzly bear and salmon struggling with all their might against the crystal clear current of northern rivers.
Longtime friends Matthew Ray and Bryan Carey gassed up their Subaru and left their Pittsford homes June 10 on their "ultimate road trip:" A seven-week discovery of North America, of small towns and big cities and wide-open wilds in between.
Longtime friends Matthew Ray and Bryan Carey gassed up their Subaru on June 10 and left their Pittsford homes headed weston their "ultimate road trip."
They are driving 11,000 miles to Alaska and back, taking in the wilds and unexpected surprises along the way.
The journey is their reward to themselves for finishing college, before they start careers -- Ray in computers and Carey in marketing.
"We've been as far east as you can go (in North America), so we decided to go as far west as we could," says Carey, 24.
Alaska is the northernmost state, and the farthest point west in North America. That they don't know many people who have been there was also a draw.
Flying was out of the question; they'd miss all the cool stuff along the way.
"Alaska is a gorgeous destination but there's interesting places in between," says Ray, 23. "We're killing 10 birds with one stone."
Ray and Carey stocked their Outback wagon with camping gear, extra firewood, a first aid kit, flashlights and two coolers of food, conveniently stashed behind the front seats for easy-access snacking.
They've got Carey's grandfather's car, and his lucky St. Christopher medal, the patron saint of travelers. He passed away, and Carey's grandmother offered it to them for the trip.
"I know Bryan has got sand in his shoes," says his grandma, Joan Sliwoski. "He has for a long time. He loves to travel. I had a car in perfect shape, and he's all set to go."Eliminating the need for a rental car helped out financially. Ray and Carey each saved $5,000 for the trip. They are camping in the national and state parks and staying in hotels in the cities.
A dozen maps and AAA camping books were spread out on Carey's dining-room table, three days before they left. Ray's laptop glows with route information and interesting destinations weird and wondrous that Carey found while scoping out town Web sites.
Underground tunnels in Moosejaw, Canada, that were once frequented by mobsters wooed them in, and they want to watch cowboys in the Calgary Stampede. A hockey fan, Carey's definitely hitting Edmonton, Canada.
Out in Canada's wild remote Yukon territory, they plan on adding their "Rochester" mark to Signpost Valley. Long ago someone erected one of their own hometown, and how far it is away from Watson Lake. There are now more than 3,000 of them."We're gonna bring one of our own," says Ray.
They're also going to visit a new friend in Whitehorse, Canada. On a recent family trip to Hawaii, Carey found himself seated next to "Mike," a Canadian park ranger who lives in Whitehorse Ñ another favored destination on their road trip.
They've exchanged e-mails and Mike has invited them to stay overnight. "That was a cool encounter," says Carey.
On June 29, they plan to meet up with Carey's father, Dave, to spend the week at a lodge on the Kenai Peninsula, salmon and halibut fishing and looking for grizzlies.
Their home-bound route takes them right past good old Buffalo, but they don't plan on slowing down.
"I think, Buffalo we've seen," Carey chuckled.
Carey and Ray are veteran road-trippers. They have taken two other long driving journeys together, to Yellowstone National Park, the Badlands and Mt. Rushmore, and to St. John's New Foundland, North America's easternmost point. Both trips were 5,000 miles.
At first, they went to see the national parks, bound by their love of nature and travel. "Stumbling" upon scenery, people and things like the "great corn palace" of Mitchell, S.D. (farmers decorate the town hall in husks and colored corn) and losing the rest of the world in foggy New Foundland would have never happened if they did not take their time, and drive.
Ray says they never even thought about flying to any of these places.
"It was a lot more freedom," says Carey. "We could go where we wanted, when we wanted."
They have a Web site so friends -- at home and ones they make on the road --can follow their adventure. They are posting photos, videos, maps and keeping track of their daily budget. They also have a bumper sticker promoting the site -- www.OurDriveToAlaska.com -- so curious people who drive by can log on, too.
"We made business cards up, too," says Ray. They are handing them out to people they meet. "We might take a picture of them and put them on our site."
Driving 11,000 miles means more opportunity to meet locals and experience their hometowns, through their eyes.
"We get to know more than we ever expected," says Ray.
It also means more than 1,170 hours together in what may seem at times a very tiny, cramped car.
Ray says they get "feisty" sometimes, sure, but "we've been on trips together and know each other."
They've learned some things on the road, of course, and expect to find out more about themselves on this one.
Ray says he's found people are nicer. "People who are traveling want to get to know places, to get to know other people, to get to know themselves," he said.
Carey knows to "expect the unexpected." That's what they look most forward too."It's going to be an adventure, for sure."
Kris Dreessen can be reached at (585) 394-0770, Ext. 253, or email@example.com


text:
Contact: Robert Gropp, Director of Public Policy, , 202-628-1500 x 250
2009 Public Policy
Dear Mr. President...
Celebrate Darwin!
Scientists Reaffirm Consensus on Climate Change
Natural History Collections Survey Under Way.
11/09 AIBS Submits Comments on Interior Strategic Plan Framework »read
10/09 Scientists Issue Statement on Climate Change »read
10/09 Natural History Collections Survey Underway: Please Participate »read
10/09 Vote Online now for AIBS Board of Directors. The general election is underway. Polls close 26 October 2009. »vote
08/09 Ask President Obama to Support Science Collections »read
08/09 Biological Sciences Congressional District Visits Week »read
07/09 ALERT: AIBS Asks Scientists to Help Secure Increased Funding for AFRI »read
07/09 Call for Participants for the 1st Biological Sciences Congressional District Visits Week—Registration Extended »read
06/09 AIBS, ESA Coauthor Analysis of President's FY 2010 R&D Budget »read
06/09 ALERT: AIBS Asks Scientists to Help Secure Increased Funding for NSF »read
06/09 ALERT: AIBS Asks Scientists to Help Secure Increased Funding for USGS »read
06/09 AIBS Comments on Louisiana Science Education Rule »read
06/09 NOW FREE ONLINE: Lectures from the 2009 AIBS Annual Meeting, "Sustainable Agriculture: Greening the Global Food Supply"; talks on food security and supply; biofuels, the professional science masters program and more. »read
06/09 2009 AIBS Annual Meeting Talks Online. "Sustainable Agriculture: Greening the Global Food Supply." A Year of Science 2009 event. »free viewing
05/09 AIBS honors diversity in the biological sciences »read
05/09 AIBS honors outstanding contributions to the biological sciences »read
05/09 AIBS Annual Meeting 2009 to be Streamed Live Online 18 - 19 May: Watch by Webcast »read
04/09 2010 Graduate Student Emerging Public Policy Leadership Award. Applications will be available late 2009 »read
04/09 ALERT: Write to the President about Science »read
03/09 AIBS Urges Congress to Fund Science »read
02/09 NEW! AIBS Launches Legislative Action Center »read more
02/09 American Institute of Biological Sciences Teams with University of Oklahoma on Introductory Biology Experience Project »read more
02/09 AIBS book on Communicating Science primes scientists for successful media interviews »read
01/09 Year of Science 2009 Gets Underway »read more
01/09 AIBS Accepting Applications: 2009 Graduate Student Emerging Public Policy Leadership Award. Deadline 6 February 2009. »read
01/09 AIBS is accepting applications and nominations for two awards geared toward promoting the participation of underrepresented minorities in the sciences. Deadline 15 January 2009. »read
01/09 AIBS is accepting entries for the 2009 AIBS Media Award for outstanding reporting on biological research. Deadline 15 January 2009. »read
10/08 Join Us! Coalition on the Public Understanding of Science & Year of Science 2009 »here's how
10/08 Scientists Brief Policymakers on Carbon Sequestration by Ecosystems »read
10/08 Biologists, Educators Recognize Excellence in Evolution Education: Dr. Randy Moore receives 2008 Evolution Education Award »read
10/08 U.S. Presidential Candidates Science Forums on Health, Energy, and Technology »view online
10/08 "Illuminating Biology: An Evolutionary Perspective" - symposium and educator workshop held at NABT meeting on October 16-17, 2008 »presentations will be online soon
10/08 Vote Online now for AIBS Board of Directors. The general election is underway. Polls close 10 October 2008. »vote
09/08 2009 AIBS Media Award brochure and entry form is now online. Deadline 15 January 2009 »read
09/08 University of California Press to provide Publishing Services to AIBS for BioScience »read
07/08 Videos Online: AIBS 2008 Annual Meeting Lectures, "Climate, Environment, and Infectious Diseases" »view
06/08 Scientific Societies Ask Louisiana Governor to Oppose Bad Science Bill »read
06/08 AIBS Asks Louisiana House Members to Oppose Science Bill »read
06/08 AIBS Comments on American Academy of Arts and Sciences White Paper »read
05/08 AIBS and AAAS co-host NSF Conversation in Undergraduate Biology / AIBS Biology Education Summit in Washington, DC »next steps
05/08 AIBS honors diversity in the biological sciences »read
04/08 AIBS honors outstanding contributions to the biological sciences »read
03/08 COMING EVENT: 2008 AIBS Council Meeting of Member Societies and Organizations, 14 May in Washington DC. »Register now
03/08 COMING EVENT: 2008 AIBS Annual Meeting, 12 - 13 May in Washington DC: "Climate, Environment, and Infectious Diseases" »Register now
02/08 AIBS names 2008 Emerging Public Policy Leaders »read
02/08 NSF requests a quotation to write a manuscript for a History of Biology and the NSF Circa 1975 to 2004. Response Date is Feb 20, 2008. »read
02/08 AIBS Public Policy Office Posts 2007 Annual Report With a New Look! See the accomplishments, learn how you can participate. »read
01/08 Call for Nominations, AIBS Awards: Distinguished Scientist; Education; Outstanding Service. Please Submit by 1 Feb. »read
01/08 2008 AIBS Board of Directors Takes Office »read
01/08 Graduate Student Policy Training Opportunity: Applications Now Being Accepted for the 2008 AIBS Emerging Public Policy Leader Awards. Deadline 31 January 2008. »read
12/07 In Memoriam: Terry L. Yates »read
12/07 AIBS President Comments on Evolution Controversy in Texas »read
11/07 2008 AIBS Board Election Results »read
09/07 Vote Online now for AIBS Board of Directors. General election underway. Polls close 9 November 2007. »read
08/07 William F. McComas Wins 2007 NABT Education Award, Sponsored by AIBS and BSCS »read
08/07 AIBS Comments on National Science Board STEM Education Plan »read
07/07 AIBS President-Elect Rita Colwell Receives 2006 National Medal of Science »read
07/07 Join us! The COPUS Coalition and Year of Science 2009 Promote Public Understanding of Science »read
07/07 Videos Online: AIBS 2007 Annual Meeting Lectures, "Evolutionary Biology and Human Health" »read
07/07 Photographs from the 2007 AIBS Annual Meeting »read
05/07 AIBS 2007 Science, Education, and Service Awards Presented at Annual Meeting »read
05/07 AIBS 2007 Media Awards Presented at Annual Meeting »read
05/07 Free Public Session on "Speaking Science 2.0" at AIBS Annual Meeting and Awards, 14 May »read
02/07 AIBS Names 2007 Emerging Public Policy Leaders »read
01/07 Notice of 2007 AIBS Council Meeting: 15 May and 16 May in Washington DC. »read
01/07 2007 AIBS Media Award brochure & entry form is now online (72 KB PDF) »read
01/07 AIBS Education and Outreach Office Expands in 2007 under New Leadership »read
12/06 Action Alert: Support NSF, Contact Congress Before January 4 »read
11/06 AIBS Diversity Scholars and Diversity Leadership Award: Applications and Nominations due January 15, 2007! »read
11/06 Biologists Celebrate Evolution Education Victory in Ohio; Warn Scientists Not to Become Complacent »read
11/06 AIBS President Reacts to Kansas Board of Education Election Results »read
11/06 Graduate Student Policy Training Opportunity: Applications for the 2007 AIBS Emerging Public Policy Leader Award are now available. »read
11/06 Position Open: AIBS Education and Outreach Manager »read
10/06 NEON Update, Call for Comments »read
09/06 Evolutionary Biology and Human Health. AIBS 2007 Annual Meeting. Register Online Now. »read
09/06 AIBS 2006 Annual Meeting Lectures Online. Biodiversity: Science, Valuation, and Policy »read
09/06 Photos from the 2006 AIBS Annual Meeting Available Online »read
09/06 Voting for AIBS Board of Directors is underway. Polls close 27 October 2006. »read
09/06 AIBS Special Symposium. 14 October 2006. Macroevolution: Evolution above the Species Level »read
08/06 Biologists Respond to Kansas Board of Education Primary Election Results »read
07/06 Open letter from the NEON, Inc. Board Chairman »read
07/06 AIBS Diversity Scholars and Diversity Leadership Awards: Applications and nominations due 15 August 2006! »read
07/06 AIBS Executive Director's Blog »read
06/06 2006 AIBS Salary Survey now underway: All biologists encouraged to participate. Closes 28 July. »read
05/06 Rep. Sherwood Boehlert Receives Award from AIBS »read
05/06 ACTION ALERT: Please Tell Senators Today to Support All Science at NSF »read
05/06 AIBS 2006 Science, Education and Service Awards »read
05/06 AIBS 2006 Media Awards »read
05/06 AIBS Council and general membership meeting, 23-24 May »read
05/06 AIBS and ESA Letter to House Appropriators in Support of FY 2007 NSF Appropriations »read
04/06 AIBS Letter to Canada's Social Sciences and Humanities Research Council Regarding the Importance of Evolution »read
04/06 AIBS Submits Senate Appropriations Testimony in Support of Increased FY 2007 Funding at the US Geological Survey »read
04/06 AIBS Submits Senate Appropriations Testimony in Support of Increased FY 2007 Funding at the National Science Foundation »read
03/06 AIBS Submits House Appropriations Testimony in Support of Increased FY 2007 Funding at the National Science Foundation »read
03/06 AIBS Submits House Appropriations Testimony in Support of Increased FY 2007 Funding at the US Geological Survey »read
03/06 UMBC Grad Student Named 2006 AIBS Emerging Public Policy Leader »read
03/06 Cornell Grad Student Named 2006 AIBS Emerging Public Policy Leader »read
03/06 CALL FOR POSTERS, 2006 AIBS Annual Meeting, 24-25 May »read
03/06 CALL FOR NOMINATIONS, 2006 AIBS Science, Education, and Service Awards. Deadline extended to 10 March. »read
01/06 Online: Presentations from AIBS Symposium at 2005 NABT Annual Meeting, "Evolution and the Environment" »read
01/06 DATE CHANGE for AIBS Emerging Public Policy Leader Award Competition. Deadline 3 Feb 2006 »read
01/06 Add a URL link from your website to the AIBS and ActionBioscience websites. Here's how.
12/05 Media Advisory: AIBS to Cosponsor Dec. 21 Teleconference on Dover Verdict »read
12/05 Biologists Applaud Dover Evolution Decision »read
12/05 AIBS Diversity Scholars and Diversity Leadership Awards. Applications and Nominations due 15 Jan 2006 »read
12/05 AIBS Emerging Public Policy Leader Award »read
11/05 Kansas Board of Education Adopts Standards That Demean Science »read
10/05 New AIBS/BSCS Evolution Book and DVD now in the AIBS Webstore
10/05 BioScience Online, all Issues, 1951-Present »read
09/05 AIBS and Natural Science Collections Alliance Sign Strategic Agreement »read
09/05 Voting for AIBS Board of Directors is underway. Polls close 15 October 2005. »read
09/05 AIBS Katrina Support Network for Biologists »read
08/05 On 7 Oct 2005: AIBS/BSCS special session on defending the teaching of evolution »read
08/05 On 7 Oct 2005: AIBS/BSCS/NESCent evolution symposium »read
08/05 AIBS Criticizes President's Statement on Intelligent Design »read
08/05 AIBS membership expansion welcomes societies, institutions, academic units, corporations. »read
08/05 NEON updates: www.neoninc.org
05/05 Report on 2005 AIBS Council Meeting and Open Access Publishing Meeting »read
04/05 AIBS annual awards, lecture on Millennium Ecosystem Assessment, 7 May, Washington DC »read
04/05 AIBS Council of member societies and organizations meets 7 and 8 May, Washington DC »read
04/05 AIBS Council meets 9 May to discuss Open Access journal publishing »read
04/05 Action Alert: Ask your Representative to support increased funding for NSF »read
04/05 Cornell graduate student named 2005 AIBS Emerging Public Policy Leader »read
04/05 Winners of 2005 AIBS Media Awards announced »read
03/05 Position Open at AIBS: Public Affairs Representative »read
03/05 AIBS Emerging Public Policy Leader Award competition closes 1 April »read
03/05 NEON Design Consortium and Project Office activities at AIBS continue »read
03/05 AIBS Media Awards results to be announced May 2005 »read
12/04 The National Evolutionary Synthesis Center and AIBS partner on education »read
11/04 Now online: AIBS/ESA/BSA survey on BIO2010 education report »read
11/04 Now online: readership surveys of BioScience and ActionBioscience.org »read
11/04 AIBS/BSCS/NABT evolution-education symposium, 12-13 Nov. 2004, at NABT Annual Convention
11/04 Homeland Security: new international student visa fees »read
09/04 VOTE online now! 2004 AIBS Board elections are underway. Polls close 22 October.
07/04 Scientific societies issue statement on peer review in public policy process. »read
06/04 AIBS education and ActionBioscience.org updates: »read
06/04 The National Academies seek comments on science and technology Presidential and Federal advisory committee appointments. The deadline for receipt of comments is 1 July 2004. »read
06/04 157 members of Congress sign letter in support of NSF »read
06/04 Department of Homeland Security Hosts a Technology Workshop on Countering Threats from Truck, Suicide and Public Transportation Bombs, June 15 and 16, 2004.
06/04 Now online for free viewing. Plenary lectures from the 2004 AIBS Annual meeting (Invasive Species)
06/04 AIBS members support and benefit from AIBS Public Policy Office operations. You can, too!
06/04 BioScience for $12 a year! Bulk-Purchase for AIBS Member Societies and Organizations. »read
05/04 ACTION ALERT: Letter to increase funding for the National Science Foundation circulating in the U.S. House. Your help needed! Deadline extended to 7 June 2004. »read
05/04 Ask Your Representative to Cosponsor Legislation Recognizing the Value of the USGS »read
04/04 Department of Homeland Security Hosts a Two-day Workshop on Strategies for the Detection of Low Vapor Pressure Chemicals on April 6, 2004 and April 7, 2004
03/04 AIBS letter to House Science Committee leaders concerning funding for NSF, natural history collections, and collections-based research »read
03/04 BioOne / BioScience content online free in Developing Countries »read
03/04 Jane Lubchenco, Rita Colwell, John Jungck, Tyrone Hayes honored with AIBS awards. »read
03/04 2004 AIBS Council Meeting, 15 - 16 March, Washington DC »read
03/04 Department of Interior releases code of scientific conduct. »read
03/04 AIBS 2004 Annual Meeting on Invasive Species, 16 - 18 March, Washington DC
03/04 Sarah Staples and Daniel Grossman Win 2004 AIBS Media Awards
02/04 Department of Homeland Security Hosts Detection Systems for Radiological and Nuclear Countermeasure (DSRNC) Bidder's Conference on February 18, 2004
12/03 AIBS letter to National Park Service concerning the sale of a young-Earth creationist book at Grand Canyon National Park. »read
12/03 The National Commission for Science on Sustainable Forestry (NCSSF) has released a 2003 Request for Proposals for its Sustainable Forestry and Biodiversity program. »read
12/03 Department of Homeland Security Hosts One-day Workshop on Bioinformatics & Assay Development for Homeland Defense (PDF)
12/03 Science Educators Needed to Help Review New Evolution Education Resource. »read
12/03 AIBS comments to OMB on draft peer review plan.
12/03 AIBS Emerging Public Policy Leader Awards »read
12/03 Department of Homeland Security Hosts One-day Seminar for Academic Institutions (PDF)
12/03 All issues of BioScience, back to 1951, to go online with JSTOR. »read
11/03 On Nov. 10th, Join the AIBS/IBRCS NEON Coordination and Implementation Conference, Part 2 »read
10/03 Department of Homeland Security Hosts One-day R&D Best Practices Workshop for Industry »read
10/03 Ecosystem science funding survey.? Closes 10 November 2003.
10/03 The 2004 AIBS Media Award brochure & entry form is now online (PDF).
10/03 IBRCS NEON Coordination and Implementation Conference draft report now open for comment. »read
09/03 Vote online now in the AIBS Board of Directors election — polls close 17 October 2003.
07/03 Take the BioScience challenge: name the most beautiful experiment in biology. »read
03/03 AIBS Council News »read
11/02 Form an AIBS Student Chapter—Here's how.
09/02 AIBS and ESA join forces to launch the Biological and Ecological Sciences Coalition (BESC).
11/01 Resources and Information about Bioterrorism. »read
03/00 Scientific Community Unites Against Kansas Board of Education Evolution Decision »read
03/00 AIBS and NABT present a Town Meeting on Teaching Evolution »read
03/00 Noted Biologists to Gather at the Smithsonian »read
03/00 From the AIBS Presidents' Summit: Read the BioScience report and the 11 initiatives for collaborative membership action.
12/99 AIBS Year 2000 Readiness statement »read
03/99 AIBS SPARS Manages Sentinel Species Review for US Army Environmental Health Research Center »read
03/99 AIBS Media Award Deadline is April 1st »read
01/99 AIBS Congressional Science Fellowship 1999 - 2000 »read
01/99 NCEAS/AIBS Study on Habitat Conservation Plans Now Available »read
12/98 AIBS Endorses Document Supporting Research and Education in Evolution »read
10/98 Vote! AIBS Elections Underway! »read
10/98 Message from the President: optimum service. »read
08/98 AIBS unveils a new www.aibs.org! »read
08/98 On Monday, September 14 an ESA / AIBS-organized forum on flooding will be held in Washington D.C. »read
08/98 1998 AIBS Annual Meeting Opening Remarks — Balancing The Biocomplexity of the Planet's Living Systems: A 21st Century Task for Science »read
08/98 1998 AIBS Annual Meeting Plenary Address — Restoring the Chesapeake Bay Ecosystem: A Challenge for Science and Society »read


text:
Questions or suggestions? firstname.lastname@example.com. Community discussions: forum.dmarcian.com (NEW)
Homepage: https://www.jamf.com/
Known to forward email? no
Capable of generating DMARC compliant email for others? yes
Capable of signing email with DKIM for others? no
Capable of sending SPF compliant email for others? yes
DMARC: Our data indicates Jamf is DMARC capable via SPF.
DKIM: Contact Jamf to ask about their DMARC capabilities via DKIM.
SPF: Contact Jamf for SPF setup.
When deploying DMARC, domain owners often find new sources of email.
Domain owners then wonder if the source is capable of sending DMARC compliant email.
This directory contains information on the capabilities of various sources of email.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.


text:
HAL 9000 is just around the corner.
The lean economy is accelerating the development and dependence on technology for many business sectors—and RIAs are no exception.
The release of the latest results of the 2012 Scottrade Advisor Services Study, commissioned earlier this year, finds technology adaptation and incorporation was topped only by client acquisition, preparing for new regulations and advising in a volatile market as a major challenge for advisors. The first three, however, are ongoing and reactionary challenges an advisor must do to keep his business afloat, while technology appears for the first time.
"It's about controlling what you can, and preparing for what you can't," Brian Davis (left), director of Scottrade Advisor Services, told AdvisorOne on Friday (also see "The Spirit of Scottrade," Investment Advisor magazine's July 2012 cover story). "Advisors can't control the market, but they can control being in front of clients and creating proper expectations with the clients. They rank having the right back-end resources and technology to spend more time with clients as a top business challenge. What technology does is give them back the commodity of time."
As for the clients themselves, market volatility has left many investors with more questions than answers, particularly for younger investors. Despite having the most time until retirement and the highest tolerance for risk, RIAs report that the majority of Generation X (ages 29-44) and half of Generation Y (ages 18-28) clients are maintaining their investment risk profile. The study also found two-thirds of advisors are telling Gen X clients and three-fourths of advisors are telling Gen Y clients they will need at least $2 million saved in order to retire.
Nearly half of the advisors polled in the survey said the economy has impacted the way they have managed their business in the past year. Of those, 52% have invested in new software, and nearly one-third have invested in new hardware for their business.
Davis says Scottrade, for its part, has major new initiatives in place—and more on the way—to help with top concerns.
"We're in the process of developing portfolio modeling and rebalancing technology for release in 2013," he said. "Specific to new regulations, we put a hotline in place in conjunction with Lexington Compliance earlier this year. We're also working on an E and O program for our advisors. Lastly in 2013, we'll have ongoing compliance training in place in 2013 for our advisors, also through Lexington Compliance."
Check out "The Spirit of Scottrade," Investment Advisor magazine's July 2012 cover story.


text:
Financial Services
Financial Industry Online Services
- Business Entity and Principal Search
- Search for information on business entities registered with Utah's Division of Corporations. After you've identified your entity of interest, access principal information and print Certificates of Existence.
- Businesses Associated with Individuals
- Search for business entities associated with specific individuals.
- Motor Vehicle Search
- (Registration and agency approval required)Obtain car title, lien and registration information.
- Uniform Commercial Code Searches
- Access information on UCC filings and print official and certified copies.
- Uniform Commercial Code Filings, Continuations & Terminations
- Official UCC filing system streamlines initial filings as well as continuations and terminations.
- The State Construction Registry
- Check loss of priority in Utah construction projects.
- ValIDate (Registration and agency approval required)
- Verify the information on Utah-issued driver licenses and ID cards.
- E-Liens
- Add and release vehicle liens online.


text:
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Our Master of Wine, James Davis has carefully selected our wine range, ensuring all your wine needs are covered, from our delicious Prosecco to our fruity Malbec. Please be aware that you if you'd like to mix your own case, there must be a minimum of 6 bottles of wine to checkout.
Six Bottles of delightfully crisp sauvignon
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All's well that ends well
Any time you go crashing into a wall, like I did on Wednesday in Tempe, there's a certain risk involved. It goes with the turf, you might say. I've run into a lot of walls in my career going after balls, and I won't stop now. That's how I play the game — all-out. I don't think I can play it any other way.
MIke Scioscia likes to say that playing hard actually helps you avoid injuries, that it's when you're holding back, not playing the game naturally, that you're more likely to get hurt. There's definitely some truth in that. When I'm on the field and there's a ball to go get, I'm going after it, whether it's March or October.
Anyway, I'm fine. The X-ray showed no damage. So I'm good to go. I'm going to play against the Indians today. If it's not something with my body — my arm, shoulder, legs — I'm OK. I took a little shot in the face with the ball when I hit the wall, but my nose looks good as ever now. The collision might have looked a little worse than it was. I've gone head-first into walls before and gotten concussions.
I'm old school, man. It takes a lot to get me to come out of a game. I was able to walk off the field, so I knew I was all right. As long as it's not a knee or a shoulder, something like that, I'm good to go.
The way I play goes back to my younger days when I played football. I could throw the ball and move around, so I took some hits. Arkansas, where I grew up, is football country, and they don't mess around down in Southeastern Conference country. We get after it. So my body was conditioned from an early age to take hits and bounce back up, ready to go.
I wish I could have stayed in that game and enjoyed the fireworks our guys set off. We've been swinging the bats, man. I really like our offense, how deep it is. We've got so many guys who can hurt you. We might not have four guys hitting 30 to 40 homers, but we're going to be banging line drives to the gaps and running those bases. It's an exciting style to play, and I'm loving it.
I'll get back with more shortly. Just wanted to let everyone know I'm fine. My profile hasn't changed at all. I'm still the same Torii — and we're going to keep Toriis Storiis rolling.
13 Comments
I'm glad Torii's Storiis will keep rolling! It's a great blog, thanks for all the stories and updates.
I'm so glad you're OK! I know something like that can scare the fans, so thanks for letting us know that you're fine.
Tori – Glad that you are okay! Next time – stop before the wall!
You're the man! I have a cousin that lives in Pine Bluff, Arkansas, that's where you're from, right? Pretty sweet stuff, keep up the good work, tell Chone Figgins his biggest fan says hey.
You are the man, Torii! I heard you on the Jim Rome show this morning and I can't believe you went back out there today after your "incident." You are old school all the way, man!
Keep it up. Halo fans everywhere love you!
Glad you're okay! Watch out for those walls, they come up on you pretty quick!
So what's worse…running into a "normal" padded wall, or running into one of those beams that hold up the baggy CF fence in the Metrodome?!
Glad you are ok Torii – We love that you are old school like that and I bet that back-to-back-to-back HR the next day felt AWESOME!
Glad to hear that you are okay! It is always a pleasure watching you play– I love the way that you play the game. Playing the game naturally is what it's all about 🙂
Torri, I love you. I'm ecstatic you're okay, but I have to say one thing. You mentioned you go after balls whether it's March or October. The first thing that came into my mind was Game 3 of the ALDS at Fenway last year. I know you know what I'm talking about, but for anybody who doesn't, relive it here – http://sports.yahoo.com/mlb/blog/big_league_stew/post/Torii-Hunter-and-Howie-Kendrick-s-brilliant-sc?urn=mlb,112797.
The Jacoby Ellsbury pop up turned three run double.
I love you man. I don't mean to rain on your parade, but I had to point this out.
Here's to next October!
THANKS SO MUCH FOR PUTTING EVERYTHING YOU'VE GOT INTO THE GAME. sO SORRY TO HEAR ABOUT YOUR ACCIDENT, BUT GLAD TO HEAR THAT YOU ARE OKAY. YES, WE ARE ALL LOOKING FORWARD TO THE START OF THE SEASON. GOOD LUCK TO YOU.


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Winning Smile
Staff member
Super Mod
7th Gen Nuzlocke Challenge Thread!
Games in this gen: SM
Games in this gen: SM
What is a Nuzlocke Challenge?
A Nuzlocke challenge involves treating any Pokemon that you have in your party that faint 'dying', and hence said Pokemon cannot be used anymore in the challenge and must be replaced. In addition, you can only catch and use the first Pokemon you encounter in any city, town, cave or route. If the first Pokémon encountered faints or flees, there are no second chances with Pokemon on that route. You complete the challenge when you beat the Champion/see the credits.
There are many other variations of such a challenge - such as having to nickname all your Pokemon (so you have a closer connection to your lost comrades) which will be used here, allowing for the first Pokemon you encounter to not include duplicates (so if you encountered a Pikipek in one route as your first Pokemon and got it and then encountered another in the next route, you can wait until a different Pokemon appears and treat that as your 'first Pokemon'), no legendaries, restriction on healing items that can be used (beyond Revives obviously) and so forth.
- Please read the Challenge Forum rules before posting.
- You can only use the first Pokemon you encounter in each route/town/city/cave.
- All Pokemon must be nicknamed.
- If a Pokemon in your party faints you must box/release it and not use it anymore in your challenge.
- If you wish to use any other restrictions, please specify them in the first post you make in this thread for your challenge.


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Skeletons of Autumn..
Well the sun did break thru the clouds….only for brief moment or two, but enough to provide an X-ray view of this Sycamore Leaf.
Even in moments of decay Nature is rather wonderful 🙂
8th November
(C) David Oakes 2018
Well the sun did break thru the clouds….only for brief moment or two, but enough to provide an X-ray view of this Sycamore Leaf.
Even in moments of decay Nature is rather wonderful 🙂
8th November
(C) David Oakes 2018
Come view the world from my loft
Poetry/Poems, Photography, Travels, Musings, Quotes, Challenges, Awards, Reblogs, Uncategorized
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The SEC Tuesday sanctioned two investment advisory firms for impeding examinations conducted by SEC staff, with one RIA firm charged with "aspirational AUM," for inflating its AUM tenfold, from $2.6 million to $26 million, to qualify for SEC registration.
The two firms settled with the SEC without admitting or denying the findings.
In the case of the "aspirational AUM," in the SEC's own words, an SEC investigation found that Evens Barthelemy and his New York-based firm Barthelemy Group LLC misled SEC examiners by inflating the firm's claimed assets under management tenfold on its Form ADV in an apparent attempt to show that the firm was eligible for SEC registration. It did so, the complaint charges, by literally moving decimal points on a spreadsheet to increase each client's assets tenfold.
In the second case, an SEC investigation found that Seth Richard Freeman and his San Francisco-area firm EM Capital delayed for nearly 18 months in producing books and records related to its Indian equity mutual fund advisory business. The firm agreed to pay a $20,000 fine in settling the case.
"Barthelemy was not truthful and Freeman was not responsive during their respective interactions with SEC examiners," said Bruce Karpati, chief of the SEC Enforcement Division's Asset Management Unit. "We will continue to pursue enforcement actions against firms that obstruct or delay the SEC's critical work in overseeing investment advisers."
Carlo di Florio (right), director of the SEC's Office of Compliance Inspections and Examinations (OCIE), added, "Examinations of SEC-registered firms play a vital role in protecting markets and investors, and we expect their candor and prompt cooperation as SEC staff works to promote compliance, monitor risk, and prevent fraud."
Case One: Aspirational AUM; Moveable Decimal Points
According to the SEC's order against Barthelemy and his firm, when examiners asked for a list of client assets, "Barthelemy misrepresented his firm's AUM as $26.28 million instead of the actual $2.628 million. He downloaded client account balances from the firm's online custodial platform onto a spreadsheet, and then manually moved the decimal points for each client one place to the right before providing it to the SEC staff."
From July 2009 to early 2011, "Barthelemy improperly registered Barthelemy Group with the SEC on the basis of the aspirational AUM that was 10 times higher than reality. Barthelemy Group, through Barthelemy's actions as chief compliance officer, also failed to adopt reasonable compliance policies and procedures or to maintain required books and records concerning codes of ethics and providing the firm's disclosure brochure to clients," the SEC says.
The Dodd-Frank Act required advisors with AUM of $25 million to $100 million to switch from federal to state registration as of July 2012.
Scott Weisman, assistant director of the SEC's Asset Management Unit, housed within the agency's Enforcement Division, told AdvisorOne in an email message that "smaller advisers have incentive to manipulate AUM to qualify for SEC registration, which provides a badge of credibility with clients and potential clients."
Barthelemy agreed to be barred from the securities industry and from associating with an investment company, with the right to reapply after two years. Without admitting or denying the allegations, Barthelemy and his firm consented to cease-and-desist orders, and the firm was censured, the SEC says. Barthelemy and his firm also will provide a copy of the proceeding to their clients and appropriate state securities regulators, will post a copy on the firm's website, and will disclose the proceeding in an amended SEC Form ADV filing.
Case Two: Failing to Timely File on Indian Mutual Fund
According to the SEC's order issued Tuesday against Freeman and EM Capital, they failed to immediately furnish the required books and records upon request by SEC staff in December 2010. "EM Capital and Freeman repeatedly promised to provide the records including financial statements, e-mails, and documents related to their management of a mutual fund. However, they did not fully comply until September 2012, months after learning that SEC staff was considering enforcement action against them."
According to the SEC complaint, the documents that EM capital failed to file with Commission staff all related to EM Capital's management of the EM Capital India Gateway Fund, a mutual fund that primarily invested in Indian equities.
In April 2011, that fund (whose ticker was EMIIX) was liquidated, according to an SEC filing.
Freeman and EM Capital agreed to pay a combined $20,000 penalty. Without admitting or denying the SEC's findings, Freeman and EM Capital also agreed to censures and cease-and-desist orders.


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Kuwaiti writer Mohammed Al-Mulaifi was sentenced to seven years of hard labor in prison yesterday for slander and defamation against the country's Shi'ite minority on his Twitter account. He said members of the country's Shi'ite Muslim minority were loyal to foreign countries due to their alleged foreign origin. He was also fined US$18,000.
Kuwait is split 70/30 between its Sunni and Shi'ite citizens. It has laws that forbid the maligning of either expression of Islam.
The Kuwait Times said, "Al-Mulaifi was accused of broadcasting untrue news on his Twitter blog about the existence of racial and sectarian division within the Kuwaiti community, and of accusing some citizens of affiliations to foreign countries. Al-Mulaifi was found guilty of undermining the Shiite doctrine and insulting Shiite scholars."
He was also charged for his accusations that Kuwaiti parliamentarian Ahmed Lari was of non-Kuwaiti origin and for slandering a Shi'ite religious figure, Imam Al-Mahdi.
The court's statement said he was convicted because he communicated "falsehoods about sectarian divisions" in Kuwait via Twitter and because he "insulted the Shiite faith and its scholars." His tweets, said the ruling, "damaged Kuwait's image."
Al-Mulaifi was arrested in February after Shi'ite Kuwaitis, including members of the government, vociferously protested his tweets.
Twitter is popular in Kuwait, as it is in the rest of the Gulf States. Kuwait is not alone in seeing a surprising number of its users get in trouble for their tweets, usually statements of a religious nature. In neighboring Saudi Arabia, Hamza Kashgari tweeted statements that inspired public anger, which was in turn fanned by internal political elements resentful of the liberalization of the country. Kashgari was intercepted in Malaysia after fleeing the kingdom in fear.
Not all Kuwaitis support the sentence. Kuwait Times reported that international lawyer and arbitrator Labeed Abdal is calling on the Kuwaiti Government to clarify the limit of the rights and freedom of expression.
"Interpretation must be thoroughly studied and properly identified," said Abdal, "In [Al-Mulaifi's] case, they are mixing it with personality and politics. Also, punishment must be adjusted to the crime committed."


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I love it and I think it's very cute! I will probably do more and more!
Wednesday, March 10, 2010
Wrapped Birdie
8:45 PM Posted by Unknown
On March 5th I was in Neta Amir's workshop and she tought me (and other) her wrapping technique. It is pretty cool technique and I finished my first dll:
0 comments labels Wrap
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