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M a android user.. but when it comes to camera quality... I just go for Nokia.. even a 5mp camera of android cant win with the Nokias 3mp camera quality...n this is my own opinion.. :)
N Nokia 1020 hv 41mp cam o_O
Wow.. m just wondering that what is the size of a pic shoots from this fone.. :D
Go on Nokia.. make something greater with ms wp and make it easy to use.. Dont go with the adroid.. make ur wp better n beat the stupid laggy android.. :D
Lumia 1020 is awesome....
nokia 808 has a pureview camera but pureview is applied a only for up to 8MP....
Nokia should come forward with sailfish ( include android)+ windows+ Symbian......
in that case any type of user can be interested in Nokia..
camera 41MP or more with 2 xenon flash amd four led flash and should include all function of digital camera...
memory 32/16/64.....
ram 2/4gb.....
dual or quad core....
afterall Lumia 1020 creates a new dimension
i just reallize that this masterpiece is support usb otg hmmm...
Sammy, 12 Jul 2013720p screen - Unacceptable, by flagship standards.
4.5" screen - Unacceptable, 4.7"... moreagreed with u.. except for the screen size.. i think it should just stay 4" just like on 808 pureview, its comfortable that way rather than bigger screen (only my oppinion becoz i love nokia 808 better than this new junk)
first impressions about this phone make me decide that i wont buy this if it still keep going with no microsd, non removable battery.. who want device like that ??
king, 12 Jul 2013make a different design.. nokia!!!!! same design all over and over againIs samsung and apple changing their designs? Can u distinguish betwn iphone 4 n 4s, betwn Galaxy Note 2, S4, Grand. blah blah. They are worst. Lumias are best
pio66, 12 Jul 2013Ok no just no !! This is a good device but to say it's not bulky your crazy to think its not a... moreDSLR 21mp, 1020 41MP, so what?
Can a DSLR get into your pocket?
Can a DSLR call your mom?
Can a DSLR open your Facebook?
Can a DSLR send an email?
Can a DSLR send a SMS?
DSLR can only take a photo and video.
Nokia 1020 can takes all DSLR jobs and get into your pocket.
I just think, that will be better if 1020 has 5" display+Bigger battery capacity+Android.
but, Android? Nevermind. i'm bored as hell with that.
Gonna try this Nokia 1020~
Nokia need to release Camera not an phone because a lot of people not buying, they only interested in apple htc sony Lg or samsung. Or nokia need to step forward and join with Android that will help nokia a lot. I'm thinking about buying this phone separate as camera and I lov too. I had HTC ONE and I Lov it so much :)
No micro sd slots, non removable battery---it's funny.That's a poor think.That's why at this time, NOKIA is under the APPLE & SAMSUNG.
finally something inovative. I was tired of bulshit specs that look good on paper but you don't need them in real live. Din you hear me samsung fanboys nokia doesn't need 8 core just to say that they came with somethinf new.
AnonD-146119, 12 Jul 2013People keep talking about low specs come on guys don't act childish and stop the nonsense if h... moreYes bro..i agree. But sure this guys need 32 core..bcoz the OS they owned should have that.. Else it will die... Becoz without his knowledge it will open the apps in background and kills the core...lets suggest them at least to have a good task manager. This commenters are the core owners with bulk and junk OS. Wish them...haha..
AnonD-143591, 12 Jul 2013the point i'm making is you will probably get this phone on a 2 year contract and it is alread... moreMan..anyone is beatings u to buy this..? Its a innovation.. ! If you don't want go to the one which u like..ok.. Don't tense...! Come out to the new world...
AnonD-143591, 12 Jul 2013the point i'm making is you will probably get this phone on a 2 year contract and it is alread... morethis phone targets people who love photos, (good quality pictures) then,nothing to worry about, no one is forcing you to buy it, just relax, take it easy
People keep talking about low specs come on guys don't act childish and stop the nonsense if high specs are of such importance for a phone to perform then what would u say about about quad cores of androids which still keeping hanging. At the end of the day its performance that matters not the no. of cores or latest chip set u cant keep talking rubbish about the intelligence or brains of a company that created revolutions in mobile phone industry even iphone runs on a dual core no body complains about its specs{unless they don't how it performs} because they perform brilliantly and WP8 follows same standards.
Its an optimized OS so it doesn't require 8 or 16 cores to perform and its an 8 month old os and the fastest developing OS stop complainig about no. of apps how many of us have used all the available apps on play store or app store i agree that some games are paid when they are available for free on other stores but they are paid on wp8 to attract developers and get them to work on the apps to support the os.
I also agree with the card slot and battery issues but after all u cant expect everything from a phone even iphone has no card slot or 3000 mah battery and at last u cant compare a quality product from nokia to a low quality samsung phones u can samsungs quality when u stand outside a samsung service center where people come with their 1 month old or 10 days old phones for replacement i used samsung phones myself and i can bet that they know where near to nokia or htc interms of quality.
So think smartly and use the phone atleast for a weak before commenting about them.
Only reason I'd buy this phone is camra.
In rest, he is identical with Nokia Lumia 920...No?
Anonymous, 12 Jul 2013exactly bro that's the point. Criticizers are scared by this stunning handset. And all the WP ... moreOk no just no !! This is a good device but to say it's not bulky your crazy to think its not a gimmick again I think people see 41 mp and say wow . Now ask why a dslr at 21 mp will blow this phone cam out the water despite the mp . Not too confuse with technical crap mp means what by definition ? It's the internals of the cam that's the difference the app running the cam and the software all play key roles . But lets talk android vs win phone . To me it's windows attempts to fit in and not doing so well . Nokia itself is a great company but like others can't keep up with apple and Samsung . I own HTC ,Nokia, Samsung , and LG all "flagship" but despite Nokia's large amount of pixels it in most tests falls behind . Now the phone I'm looking forward too for a cam is the possible nexus 5 with Nikon optics .
AnonD-89611, 12 Jul 2013I really don't care about the screen size, design, and number of cores but they could have use... moreLumia 720 can run for 2 days with the same battery. I hope it will be good for 1 solid day on the 1020.
Battery life is very assuring but is it true?????? n 32gb internal memory ok but hav u got file manager in it to clear memories?


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Endorsed by Curators:
One of the things we do best here at The Upstate Performance Project is train athletes. We have a passion for helping athletes reach new heights, and understand their body, and how to take care of it, to prevent injury and increase performance. our Total Body Fitness class is programmed to do just that. It is a comprehensive, progressive class that will produce results without the fear of injury from over use.
We are also passionate about progress and competition. With that in mind we are super excited to announce the first TOTAL ATHLETE CHALLENGE. This will be a series of events/exercises that will test the main parameters of physical athleticism; STRENGTH, POWER, SPEED, AGILITY, AND ENDURANCE. Set up in quasi-combine style format we will have 8-10 events to test you in the aforementioned parameters. So, here are the details:
When: December 2nd, starting at 8:00 am
Athletes will be placed in heats of 6 starting every 45 minutes.
Cost: $15, cost includes a shirt. Online registration (available starting 10/27/2017), or register at the gym!
Age divisions: We will have an open division for all ages, and a masters division for athletes over 40.
*Weight Classes: In addition to the age divisions the weight classes are as follows:
Men: 174 lbs and below, 175-199 lbs., 200+ Female: 149 and below, 150 +
* within each weight class we will score the power clean and squat events using the Wilks coefficient in order to account for a wide range of weights per class. For example, if a male lifter weighs 176lbs, and squats 300lbs and a lifter in the same division weighing 199 lifts 305lbs, the lighter athlete will win due to his strength per lb being higher as determined by the Wilks coefficient. it looks like this: 176 has a coefficient of .6836 so ( 300 x .6838 = 205.08) and the 199lb lifter has a coefficient of .6374 so ( 305 x .6374 =194.407) So adjusting for weight the lighter lifter in this case wins because pound for pound he was stronger.
EVENTS in order of performance (videos and descriptions to follow)
*** For any overall ties we will have a plank-off. Who can hold the longest plank.

subset: commoncrawl


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Your chance to own a sit down Thai restaurant in a highly visible location! Location provides plenty of parking. This is a great turn-key operation with a strong, loyal customer base - 19 years in business! Sale includes all equipment and furniture. Motivated sellers. Restaurant conversion possible. NDA must be signed prior to providing confidential information.
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Listing Courtesy ofKeller Williams Sunset Corridor


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[edit] BRAND NAMES
[edit] STRUCTURE
[edit] MECHANISM OF ACTION
Vomiting is a complex process coordinated centrally by the emetic center which consists of several brainstem nuclei (area postrema, nucleus tractus solitarius, dorsal motor nucleus of the vagus) that receive and integrate sensory stimuli from central and peripheral sources and chemical stimuli from the circulation and the cerebro-spinal fluid.
Maropitant is a neurokinin 1 (NK1) receptor antagonist which acts by inhibiting the binding of substance P, a neuropeptide of the tachykinin family. Substance P is found in significant concentrations in the nuclei comprising the emetic center and is considered the key neurotransmitter involved in emesis.1 By inhibiting the binding of substance P within the emetic center, maropitant provides broad-spectrum effectiveness against neural (central) and humoral (peripheral) causes of vomiting.
[edit] INDICATIONS
Tablets and injection:
- Prevention of acute vomiting and the prevention of vomiting due to motion sickness in dogs.
- Prevention of nausea induced by chemotherapy in dogs
- Prevention of vomiting and the reduction of nausea, except that induced by motion sickness in cats
- For the treatment of vomiting, in combination with other supportive measures in cats.
[edit] DOSAGE
Dogs: (Tablets):
- For the Prevention of Nausea induced by Chemotherapy and Treatment and Prevention of Vomiting (except Motion Sickness), (only for dogs 8 weeks of age or older): Administer Maropitant Tablets orally at a minimum dose of 2 mg/kg (0.9 mg/lb) body weight once daily for up to 5 consecutive days
- For Prevention of Vomiting induced by Motion Sickness, (only for dogs 16 weeks of age or older) : Administer Maropitant Tablets orally at a minimum dose of 8 mg/kg (3.6 mg/lb) body weight once daily for up to 2 consecutive days. Dogs should be fasted 1 hour prior to administration of Maropitant Tablets. Administer Maropitant Tablets 2 hours prior to travel.
Dogs (Injection):
- Prevention and treatment of acute vomiting in dogs. Administer Maropitant Injectable Solution subcutaneously at 1.0 mg/kg (0.45 mg/lb) equal to 1.0 mL/10 kg (1.0 mL/22 lb) of body weight once daily for up to 5 consecutive days. To prevent vomiting, Maropitant solution for injection should be administered more than 1 hour in advance. The effect duration is approximately 24 h and therefore treatment can be given the night before administration of an agent that may cause emesis e.g. chemotherapy.
Cats (Injection):
- Maropitant solution for injection should be injected subcutaneously, once daily, at a dose of 1 mg/kg bodyweight (1 ml/10 kg bodyweight) for up to 5 consecutive days. To prevent vomiting, Maropitant solution for injection should be administered more than 1 hour in advance. The effect duration is approximately 24 h.
[edit] CONTRAINDICATIONS
[edit] PRECAUTIONS
where the frequency of vomiting is high, orally administered Maropitant may not be absorbed before the next vomiting event occurs. It is therefore recommended to initiate the treatment of emesis with Maropitant Solution for Injection.
Maropitant should be used with caution in animals suffering from or with predisposition for cardiac diseases as maropitant has affinity to Ca- and K-ion channels. Increases of approximately 10% in the QT interval of the ECG were observed in a study on healthy beagle dogs administered 8 mg/kg orally; however, such an increase is unlikely to be of clinical significance.
[edit] INTERACTIONS
Maropitant should not be used concomitantly with Ca-channel antagonists as maropitant has affinity to Ca-channels.
Maropitant is highly bound to plasma proteins and may compete with other highly bound drugs.
[edit] PREGNANCY AND LACTATION
Use only according to the benefit/risk assessment by the responsible veterinarian, because conclusive reproductive toxicity studies have not been conducted in any animal species.
[edit] SIDE EFFECTS
A common side effect of the tablets when used at a high dose of 8 mg/kg in dogs (for motion sickness) was vomiting before the car journey started. Since this was mainly observed in dogs with an empty stomach, it is recommended to feed a light meal or snack a while before the tablets are given. Other reported side effects were decreased activity levels and tiredness.
[edit] RELATED LINKS
[edit] BIBLIOGRAPHY
[edit] REFERENCES
|5-HT3 receptor antagonists
|Dolasetron • Granisetron • Ondansetron • Palonosetron • Tropisetron
|Dopamine antagonists
|Alizapride • Bromopride • Clebopride • Domperidone • Metoclopramide • Prochlorperazine • Thiethylperazine
|H1 antagonists
|Dimenhydrinate • Meclizine
|NK1 receptor antagonists
|Aprepitant • Fosaprepitant • Maropitant
|Motion sickness
|Cinnarizine • Dimenhydrinate • Meclizine • Meclizine/Pyridoxine • Scopolamine (Patch)
|Meclizine/Pyridoxine • Ondansetron


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Cargo Terminal Facilities are places the place international airports export cargo must be saved immediately after customs clearance and just before loading over the aircraft. Similarly import cargo that is offloaded really should be in bond prior to the consignee decides to just take delivery.
Making sure you will be on time to catch your significant flight or acquiring again residence after a extended getaway is the first thing on mind when travelling.
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Airport security Usually necessitates baggage checks, metal screenings of unique folks, and principles against any item which could be made use of as a weapon.
Make sure you allow for enough time between mentor arrival along with the opening of Verify-in in your flight - we suggest 1 hour.
[20] In 1922, the 1st lasting airport and professional terminal solely for industrial aviation was opened at Flughafen Devau in close proximity to what was then Königsberg, East Prussia. The airports of this era used a paved "apron", which permitted night flying together with landing heavier plane.
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The arrival situations provided on these timetables are estimates and might be impacted by site visitors. You should allow sufficient time concerning mentor arrival and flight check in time - we propose one hour.
The zoo has become additional of the topic park with rides and attractions offering something for everybody, although least heights submit an application for certain rides. The typical fare for taxi from Gatwick Airport to Chessington would Expense an approximated £53.seventy five. To learn more and to stay away from disappointment see their Web-site.
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Hartley Garage Options
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Following the ten-working day period of time a full MOT examination must be performed. The entire MOT test charge is charged once more.
High quality, reliability and basic safety is with the forefront of our thoughts and With regards to providing an outstanding amount of service you could sit up for the two, top quality workmanship and great client service.
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A car or truck MOT Look at ensures a car or truck is roadworthy – Because of this, any auto that does not pass its MOT might need high priced repairs. A vehicle without an MOT cannot be taxed from the owner. It's really important to perform an MOT historical past Check out just before buying a used car or truck mainly because it can be used as an indication the overall ailment of the car.
Failure due to objects quickly replaceable, which include tyres or windscreen wiper blades, may not be appealed from, mainly because it cannot be adequately determined whenever they have been the ones equipped at time of inspection.
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A wholesome MOT record can suggest an auto has become well looked immediately after by its prior homeowners. A car or truck having a historical past of MOT test fails homepage and lots of advisory notes could position to the next possibility of mechanical problems and economical outlay Sooner or later.
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Good morning people who remain in God at all times and in all circumstances
John 15:5 NIV I (Jesus) am the vine; you are the branches. If you remain in Me and I in you, you will bear much fruit; apart from Me you can do nothing.
Today I feel Father is drawing me to the words 'waiting', 'leaning in' and 'fruit'. Let's see what He wants to show us.
Abiding IN CHRIST is synonymous with waiting.
This waiting it not us waiting for God to do something. God is never inactive; He is always working in us and for us.
This waiting is us remaining IN CHRIST and with Christ, at all times.
When we see God is working, we wait on Him – and when we see no evidence of God working, we wait on Him.
When we feel God, we wait on Him – and when we don't feel God, we wait on Him.
When things are going wonderful, we wait on Him – and when things are at 'rock bottom', we wait on Him.
Waiting on God – abiding, remaining, walking with God – is not dependent upon anything except our legal position of being IN CHRIST.


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Carlos Reyes joined OLIVARES in October 2008. He primarily focuses his practice in the areas of trademark counseling, filing and litigation, including domain name UDRP and LDRP arbitrations before the World Intellectual Property Organization Arbitration Center. In brief, he provides counseling regarding trademarks registrability, trademarks filing, prosecution and litigation, including trademark litigation matters before the Mexican Industrial Property Office (IMPI) and also before federal courts.
• "Specialised IP court corrects IMPI" Managing Intellectual Property. [May 2010]
• "Trademark prosecution and registration strategies". World Trademark Review. [May 2008]
When I'm not being a lawyer…
I am interested in literature from all over the word; music, from Gregorian chant to contemporary orchestral and chamber music, and the practice of sports. No need to say that I love spending most of my free time with my family, and especially with my daughter and wife.
- Catholic Pontifical University of Peru
Juris Doctor, 2000
- Centre for International Intellectual Property Studies (CEIPI)
Masters in Industrial Property Law and Agreement, 2000
- Centre for International Intellectual Property Studies (CEIPI)
Masters in Intellectual Property and Internet Law, 2000
- English
- French
- Spanish


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This secluded but wonderfully convenient home makes for a great base to see all that Asheville and Western North Carolina has to offer.
Within an easy 15 minute drive to the Biltmore Estate, Downtown Asheville and the Blue Ridge Parkway this house makes it easy to get anywhere you want to in the Asheville area.
This is a builders personal home with no expense spared in construction and finish details.
Enjoy the spacious 3300 square foot home with 4 bedroom 3.5 baths on over 2 acres of private grounds that includes a pond, waterfall, badmitton court, horseshoe area and fire pit to enjoy. Close to everything yet you will feel the peace and quite of the Western North Carolina Mountains.
We love dogs and can easily accommodate up to 2 dogs to come enjoy the mountains too - and include two big indoor crates if needed.
There is a k-cup coffee machine with a stock of caribou coffee, washer and dryer, grill, outdoor sitting area on top deck, outdoor office if you need to work during your travels and rocking patio benches on the front and back porch.
Entire house was painted this year with 2 brand new windows added to the kitchen for a brighter mountain feeling.


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"And lastly, to crown the repast, Ardan had brought out a fine bottle of Nuits, which was found 'by chance' in the provision-box. The three friends drank to the union of the earth and her satellite."
"Jules Verne's Around the Moon was the inspiration for the Apollo 15 astronauts, who christened the crater closest to their landing site Saint Georges. At the base of the crater, along with a little Texan soil, they placed a label of Nuits-Saint-Georges cuvée Terre-Lune. A wine of interplanetary renown! "
Unfortunately it doesn't look like we're going to make it to Nuits this weekend. We had a busy day yesterday with lots of Birthday Parties to chauffeur the girls to, last night we had our niece Lola over for crepes and carving pumpkins (I always feel the need to assert my North American-ness around Halloween, which has always been one of my favorite holidays) and today is the big family Birthday party for our niece Lola at my sister-in-law Stephanie's house.
Steph's planned an Alsatian themed menu – tarte au munster to start, then a massive choucroute (sauerkraut and all sorts of charcuterie), and everyone is bringing a tarte or gateau for dessert. I don't think we'll be able to breath, let alone go down to Nuits-Saint-Georges after that.
But I hope many people went to La Fete du Vin Bourru or or going today – it's a gorgeous, sunny crisp Fall day – perfect for winetasting!


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I hope you can help. My first time posting on here.. I am sick with worry for my mother who may have OC
My mum is 67. She has symptoms of bloating and urinating often but no pain. Gp has taken her ca125 which is at 39, we also have had an ultrasound which report came back with 'multi sepated cystic mass about 6cm possibly on the left ovary and a solid heterogenous mass on possibly the right ovary which is 11cm x9cm it's huge! She had a hysterectomy 20yrs ago but left her ovaries and they think they have moved from original place.
I am so worried these are malignant... but confused that her ca125 is considered normal by her gynaecology consultant. You would think it would be much higher.. The consultant has not said it's cancer. He is making sure that we get these masses out as soon as possible..and is booking her in for open surgery. Then the masses will be sent for biopsy
I feel sick with nerves as only 3 years ago we lost dad to prostate cancer and we still have not recovered and now this. I am crying everyday it's affect my work and my family life.
Has anyone heard of these types of masses..how have they turned out? Is it really sounding like cancer?!


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10 Things Top-Performing Advisors Do That Others Don t
- Louise Melinda Holt
- 3 years ago
- Views:
1 10 Things Top-Performing Advisors Do That Others Don t
2 Is this you? I have spent the past (fill in your own #) years building what I thought was a successful practice. Now my client base is: Not valuing my advice Aging Converting assets into retirement income Giving money to children with whom I have no relationship Dying Regularly asking me about costs Leaving me for another advisor
3 Is this you? I spend more time on administration and client service than giving advice and developing business I feel like the business is running me rather than the other way around My work/life balance is way out of whack it isn t much fun anymore I have no idea how I will realize the value of this business that I have spent years building
4 Your Practice Growth Curve Maturity Start-up
5 Irony of Success What got you here won t get you there Start Here! Not Here!
6 10 Things Top-Performing Advisors Do That Others Don t 1. Have a clear visionfor their practice 2. Create a written strategy to realize their vision 3. Understand the metrics of their business 4. Know their target market 5. Make their value proposition compelling
7 10 Things Top-Performing Advisors Do That Others Don t 6. Effectively manage their pipeline 7. Follow Standardized processes deliver customized solutions 8. Integrate marketing, sales & service via Client Segmentation 9. Make every client relationship profitable 10. Create clients for life
8 #1 Have a Vision of Success
9 What will your business look like when it is as successful as you want it to be? Everyone defines success in their own way: Revenue AUM; Annualized Premium, In-force # Clients; Type of Clients Work/Life Balance Community Involvement; Philanthropy How do you define success?
10 Sample Vision Statement The ABC Team will be the best financial advisors in town.
11 Vision Statement Your Vision Statement should answer such questions as: How big do I want my practice to become? What role/responsibilities will I have? What will my value proposition be? What type of clients will I have? What will my team be like? What level of service will I provide? What will our environment look/feel like? What brand image will I have in my community?
12 Sample Vision Statement In 5 years, The ABC Team will be the go to firm for HNW individuals and their other professional advisors in our community. Our reputation as experts in wealth management will allow us to be selective about the clients we accept, adding only a few per year to enable us to focus our unique knowledge and systems to exceed all expectations for advice and service. Our partnership of 2-3 specialists will be an ensemble of talents, who combine to fully manage the financial affairs of no more than 200 clients - generating revenue of $2 million, with 70% recurring annually through fee-based compensation. Our support team of 2-4 motivated professionals will share our passion for excellence. In return, they will have great latitude in how they handle their roles. They will also enjoy flexible working conditions and share in our profitability. My personal role will be as rainmaker in the community and client relationship manager for our Top 50 clients. My work/life balance will permit me to spend extended time with my family and charitable causes.
13 #2 Create a strategy to realize your vision
14 Strategic Planning Process Think Where do you want to go? See Where are you now? Draw How will you get there? Act What has to be done NOW?
15 #3 Understand Your Metrics
16 Financial Levers The levers on which you can push or pull to manage the momentum of your business are: > # of clients > Average account size > Share of wallet > Client retention > Marketing > Staff & other resources To know which levers to move, you have to understand the metrics of your business. 19
17 Know Your Marketing Metrics Example: Introductions from Existing Clients My success rate in obtaining introductions from existing clients is 50% My success rate in converting those introductions into clients is 80% On average, each new client generates $5000 in revenue If I wish to generate $100,000 from introductions, I must: Obtain 20 new clients Through 25 introductions conversion) By asking 50 clients for introductions success rate) Action: Ask my top 50 clients for introductions by making it part of the agenda for our annual review meeting
18 #4 Know Your Target Market
19 Offer what your target market needs Trusted Advisor Comprehensive Plan Modular Plan Sole Source Products/Services (All the time) Multiple Products/Services (As required) 1 3 Products/Services (Now) Single Need 1 Product/Service (Now)
20 Make your Marketing Appealing Definition: Marketing is determining what your target audience wants.and then convincing them that you can deliver it. All marketing does not appeal to all markets Ensure your marketing & promotional activities are appropriate for your market
21 # 5 Declare Your Value Proposition
22 Your Value Proposition Your Value Proposition answers: What you do For whom How you do it Why it is of value Example: ABC Financial specializes in intelligent investment strategies (what) for small-business owners (who). Through careful analysis of relative risks, we help our clients determine appropriate levels of investment intoand outsidetheir business (how) to build & protect the legacy they are working so hard to build (why).
23 #5 Make Value Proposition Compelling You and Your Family Family Issues Income Protection Investments Retirement Estate Planning Philanthropy Financial Security Survivor Income Risk Profile Retirement Planning Estate Distribution Charitable Giving Assisting Parents Disability Income Asset Allocation Retirement Income Wills & Trusts Foundations Assisting Children CI & LTC Managed Accounts Transition Power of Attorney Community Programs
24 #6 Effectively Manage Your Pipeline
25 Pipeline Funnel vs. Pipeline vs.
26 Pipeline Management Why? Your pipeline management system should be designed to: 1. Deepen and strengthen the relationship Increase trust, confidence and rapport 2. Increasingly demonstrate your value Greater understanding of what you do & why it is important to act 3. Convert prospective clients into advocates Create such an impression, clients want others to have same experience 4. Track and measure your efficiency & effectiveness Develop metrics so you can control momentum of your business
27 Pipeline Management How many? How many bona fide prospective clients in your pipeline? Most advisors have Top advisors have: > 10 50? > ? > ? > ? > ? > ? > 500+?
28 Who Goes In? X Suspects Qualified Prospects WIP s Existing Clients The only people who should go into your pipeline are those: Who meet or come close to your Preferred Client profile With whom you expect to do business in a reasonable period of time
29 Pipeline Management Who goes in? 1. Existing clients i. Their needs change ii. Their ability to invest/purchase changes iii. You have additional products & services to offer iv. You have new information affecting their current choices 2. Works-in-Progress (WIP s) i. Previous introductions, referrals ii. Conversations started but not concluded 3. Qualified Prospects i. Meet your Preferred Client Profile ii. Attracted by your marketing activities
30 Pipeline Management How long? How long do people generally stay in your pipeline? Most advisors say days Top advisors say: > 30 days -90 days? > 3-6 months? > 6 12 months? > 1 2 years? > 2 3 years? > 3 5 years? > 5 years+?
31 Pipeline How do you keep it full? External Marketing Engagement Process Internal Marketing Qualified Prospects WIP Existing Clients Helping companies unlock their true potential
32 #7 - Standardized Processes Customized Solutions
33 #7 Follow Disciplined Process Welcome Introduce Engage Present Analyze Discover Implement
34 A disciplined process Welcome Introduce Engage Discover Analyze Present Implement
35 A disciplined process Welcome Enter into CRM Invite to meet via telephone or seminar Send brochure Newsletter list Introduce Personal visit Telephone/seminar Agree to Engagement discussion Send material Engage Have values discussion Understand big picture Assess fit Engagement Agreement Schedule Discovery Assign tasks
36 A disciplined process Discover Analyze Present Implement Planning questionnaire Risk profile Document list Reality check Schedule presentation Portfolio review Insurance review Planning review Additional info Solutions Client Binder PPT Deliver PPT Review Client Binder Provide material Agreement to proceed Complete Documentation Service Level Agreement Set review schedule Plan follow-up
37 #8 Segment Your Clients
38 Client Segmentation Marketing Marketing Spend marketing dollars on people who already trust you and are most likely to be receptive to new ideas Sales Sales Offer new products and services to best clients first Service Service Focus resources on highest value clients
39 #9 Make Every Client Relationship Profitable
40 Segment Marketing Activities Sales Objective Primary Client Segmentation in Action! Contact Service Standard Platinum 1. Quarterly Review 2. Birthday Lunch 3. Top 20 Dinner 4. Portfolio Mgr. Meeting 5. Client Appreciation (2) 6. Select sporting event 7. Holiday Cards & Gifts 8. Newsletter 3-5 products/services: 1. Fee-based planning 2. Managed accounts 3. Brokerage 4. Life Insurance 5. LTC & DI insurance Advisor Priority access to advisor 24-hour turnaround 4 meetings/yr. 2 face-to-face reviews 2 telephone updates Monthly reports Gold 1. Semi-Annual Review 2. Birthday Call 3. Portfolio Mgr. Meeting 4. Client Appreciation (1) 5. Holiday Cards 6. Newsletter 2-3 products/services: 1. Managed accounts 2. Brokerage 3. Life Insurance 4. LTC & DI insurance Executive Assistant Priority access to Exec. Asst. 48-hour turnaround 2 meetings/yr. 1 face-to-face review 1 telephone update Monthly reports Silver 1. Review on Request 2. Birthday Card 3. Holiday Cards 4. Newsletter 1-2 products/services 1. Managed accounts 2. Life Insurance 3. LTC & DI insurance Senior Staff 72-hour turnaround Annual telephone review Quarterly statements Bronze 1. Newsletter 1 product/service 1. Brokerage 2. Life Insurance Junior Staff Best efforts turnaround Quarterly statements if activity; otherwise annually
41 #10 Create clients for life If you own the plan you own the client!
42 Client Lifetime Value The lifetime value of a client is: All the revenue generated from products & services you provide to them All the revenue generated from new clients as a result of introductions from your current clients All the revenue generated from new clients as a result of introductions from your new clients Etc., Etc., Etc.
43 Realizing Client Lifetime Value Need #1 Client A Need #2 Need #1 Intro #1 Need #2 Need #1 Intro #1 Need #2 Need #1 Intro #1 Need #2 Need #1 If each need fulfilled generates $1000/year of revenue, the value of this client over 10 years is $110,000! Intro #1 Need #2 Intro #1 Need #1 Need #2
44 Realizing Client Lifetime Value Need #1 Need #2 Need #1 Intro #1 Need #2 Need #1 Client A Intro #1A Need #2 Need #1 Need #1 Intro #1B Need #2 Need #1 Intro #2 Need #2 Intro #2A Need #1 Need #2 Intro #1C Need #1 Need #2 Intro #1D Need #1 Need #2 Intro #2B Need #2 Need #1 Intro #2C Need #2 If each need fulfilled generates $1000/year of revenue, the value of this client over 10 years is $200,000! Intro #2D Need #1 Need #2
45 What are YOU going to do next? Top Performers 1. Have a clear visionfor their practice 2. Create a written strategy to realize their vision 3. Understand the metrics of their business 4. Know their target market 5. Make their value proposition compelling 6. Effectively manage their pipeline 7. Standard processes custom solutions 8. Segment their clients 9. Make every client relationship profitable 10. Create clients for life YOU?
46 Trust. Value. Excellence. For information or consultation on how to power your practice to the next level, contact: George Hartman, Co-Founder & Managing Director ELITE Advisors Canada Inc
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The Only Democracy? » Entries tagged with "Sweden"
Swedish Palestinians Barred Entry for Promoting Coexistence
A Jewish-Palestinian joint dialogue group arrived from Sweden's Olof Palme Centre for a visit to Israel. You might think they would have no problems gaining entrance into Israel. You would be wrong. Here's the Ha'aretz editorial on the subject. Last week Israel deported three Swedish women from Ben-Gurion International Airport who had arrived in a group of seven young people of Jewish and Palestinian heritage, active members of a Jewish-Palestinian education group in … Read entire article »
Filed under: Human Rights Activists in the Crosshairs


text: Posted February 5, 2007 Why are my downloaded textures not working . I have downloaded and extracted a few of the various textures for the Airbus and Boeing Aircraft appearing lately for the Overland Aircraft .Installed these textures in the relevant aircraft folders in FS9 .Copied the text from the readme files inserting it in the config files useing the next availabe sequence numbers. But the aircraft don't show up. What mistake am I doing any help appreciated . Share this post Link to post Share on other sites


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Then test offering to family members, friends and local businesses. Be mindful of material expenditures and time taken though, as wastage is usually highly-priced in this type of reduced-benefit product or service.
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40 Offering ad Place on a personal web site This is simply not a major dollars-earner to begin with but might be if you're employed at it, reckons Birtles. "Create your personal blog site (get it done for free with blogger.
Fran Stop her career in finance so that you can start off her individual daycare business, since she believed she could use her techniques as a way to commit extra time along with her possess youngsters.
A business may perhaps run as a company. Incorporating a business releases homeowners of financial legal responsibility of business obligations; even so, a company has unfavorable taxation policies for your house owners of your business. Due to this, a fourth business framework, referred to as a minimal legal responsibility organization, is obtainable, which mixes the main advantages of a partnership and Company.
Firms also are in some cases distinguished for legal and regulatory functions in between public providers and private providers. Community companies are organizations whose shares might be publicly traded, generally (although not normally) on a inventory Trade which imposes listing needs/Listing Policies as towards the issued shares, the trading of shares and long term situation of shares to help you bolster the status in the exchange or particular current market of an Trade.
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one Antiques/collectibles dealing Know your stuff On the subject of specific kinds of collectibles? If that's so this can be a terrific way to generate income from a hobby.
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We are reaching peak extraction rates but, more importantly, we have already discovered all of the easily acquired hydrocarbons. This attitude of distrust of optical devices was a great obstacle to the development of the science of optics.
While water consumption and quality requirements are tied to local populations and development levels, local water availability usually changes with climatic variations throughout the year and over longer cyclical swings.
On the other hand, much of the progress of East Asian countries has occurred under conditions in which economic freedoms were introduced at the same time that political freedoms were severely restricted by a ruling elite.
The members in turn feel comfortable discussing their thoughts and concerns about the electric markets in a non-contentious atmosphere. It took persistent efforts by Prince Henry, 12 expeditions, and a very large purse to persuade one bold captain to skirt the cape and break the perceptual wall.
They obstinately resisted alien desires and discouraged trade. The world has not yet been able to derive from its experience a comprehensive knowledge of the development process.
As prices begin to rise, the conflict between full employment and price stability may be further exacerbated by the expectation that they will rise still further; this may, for example, induce employees and their organizations to press for greater wage increases than they otherwise would in order to compensate for the expected price increases.
The reasons for this type of lag are that statistical information is often somewhat behind the event and that it is sometimes difficult to distinguish between random fluctuations and fundamental shifts in economic trends. However, I came to realize that there is probably nobody else on Earth like my former partnerand even Indiana Jones cannot save the world by himself.
The natural priceor the price of free competitionon the contrary, is the lowest which can be taken, not upon every occasion indeed, but for any considerable time together.
They may be inclined to use their monopoly power in some areas to gain unfair competitive advantages in others. First is the continuing psychic damage that was done in In the United Kingdom the government introduced a regulation that allowed it to make immediate changes in tax policy.
But apart from this, is there really a fundamental distinction between the two types of development? The importance of surplus energy is most dramatically illustrated by two conditions referred to earlier under which it is unable to accumulate or express itself - war and dictatorship.
These unfilled positions are employment opportunities for individuals who qualify themselves with the necessary skills. Management is a process of organizing and employing resources to accomplish predetermined objective as well as planning the means of reaching them.
Since then, growth of employment in India has more than doubled from 3 million to 7 million additional jobs a year. Yet the adoption of shared goals and common or similar strategies by these individuals and groups is utilized to elevate the society and fulfill the underlying intentions of the social collective.
Families began settling near springs, lakes and rivers to supply livestock and crops with water, gradually developing technologies to divert water for irrigation and domestic purposes.
The value per unit of weight tends to be relatively low placing water among the commodities that are termed "bulky". That event led to civilization, and many features of the human journey often argued to be human nature, such as slavery and the subjugation of womenwere merely artifacts of the energy regime and societal structure of agrarian civilizations.
It may, on the other hand, readily be seen, from the principles laid down above, that the executive power cannot belong to the generality as legislature or Sovereign, because it consists wholly of particular acts which fall outside the competency of the law, and consequently of the Sovereign, whose acts must always be laws.
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The kick-off session is where it begins. Problems Facing Public Enterprises in Nigeria - The variety of approaches to the theoretical background of management have provided their own versions.
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Government economic policy: Government economic policy, measures by which a government attempts to influence the economy. The national budget generally reflects the economic policy of a government, and it is partly through the budget that the government exercises its three principal methods of establishing control: the.
The picture above appeared in the British press the day after France surrendered to Germany in June I'll get back to the reason for this reference in a minute. Mending Market Making: How to Reverse the Corporate Bond Dealer Slump – ViableMkts.Download


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Myhrvold chocolate-cherry sourdough
It was from a $600 cookbook. It was featured in the New York Times. Sounded good. Didn't work out as planned.
Of course, after I plunged into the recipe, I discovered that I should have read it first. I was hobbled by an aging oven and lack of equipment. Oven's top element shorted out and oven is too old to get a replacement. Oven does not go over 360 F. Recipe wanted 500 F. Recipe wanted a banneton; don't have. Recipe wanted me to bake in a dutch oven; I have one, but only one, and I needed to make two loaves (one for home, one to take to my zen center). So I improvised wildly and ended up with dense loaves that are so strongly chocolate (and coffee and sourdough) that I I do not like them.
It may also have been a mistake to use dark chocolate chocolate chips.
Recipe was an interesting combination of techniques: pannetone, retarding in refrigerator, baking in dutch oven a la no-knead bread. I think it might have worked if done exactly as required, but it certainly did not degrade gracefully.
But other people like the bread. A friend said the preponderance of dried cherries reminds him of fruitcake.
Would be interested to hear if other people succeeded with this recipe and how it turned out. I think it might have been intended to be chocolate panettone.


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We have several scenarios that need to share a common datatable that will be changing over time. We don't see a way to do this in the web UI without duplicating the data across scenarios nor do we see a way to add a datatable inside action words.
For example, we want a datatable of various email addresses to test across different scenarios… logging in, creating a contact, sending a message, etc. We don't want each scenario to duplicate this list and we want to be able to add/remove to it over time and have all tests react accordingly.
How should we go about sharing common datatables across scenarios?


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[Orin Kerr, January 2, 2006 at 11:25pm] Trackbacks
Article on NSA Surveillance Law:
Here is an interesting pre-Patriot Act student note on the law governing NSA surveillance: Lawrence D. Sloan, Note, ECHELON and the Legal Restraints on Signals Intelligence: A Need For Reevaluation, 50 Duke L.J. 1467 (2001). I gave it a quick skim, and it seems to present a decent background for some of the issues surrounding FISA and NSA surveillance. Thanks to reader Shawn Bjorklund for the link.


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|I am planning a vegetable garden in an old patch overgrown with tuberous weeds, thorn bushes and creeping myrtle. How best to rid myself of this problem? I prefer organic to chemical solution, however this site is so overgrown I am not closed off to chemicals just this once. I plan to prep the soil this August and plant in the spring.
|It is daunting to begin a new garden on a weed infested site, and you are wise to start well in advance. First off, and no matter what else you do, remove every seed head you see. That will save you some work with seedling weeds next year.
Without knowing for sure what the weeds are, it is difficult to predict which methods will work best. Assuming the worst, and since you would like to work on the soil this fall, your quickest method would be to apply glyphosate according to the label instructions. This chemical must be absorbed by the leaves and translocated to the roots which can take considerable time even after the plant appears to be dead. So be sure to read and follow the instructions, including the waiting period after the application, or it may not be effective.
Another option would be to dig up and grub out each large weed by hand, taking as much root as you can. Also dig and sift out as many of the myrtle roots and runners as you can. Then cover the area with several layers of newspaper or cardboard, topped by a thick layer of organic mulch. This method works by smothering the weeds, but it takes quite a while, especially in cool weather.
In either case, next spring, if you see weeds reappearing you will need to spot treat them again either by pulling, smothering or spraying. The weed problem is always worst the first year or two in a garden, after that it gets much easier. Good luck with your project!