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A publication of the Archaeological Institute of America
Blasts from limestone mining operations near the Pomier Caves in San Cristobal, Dominican Republic, continue to threaten 2,000-year-old rock art painted by the Taíno, Carib, and Igneri peoples. Discovered in 1851 by Sir Robert Schonburgk, then British consul to the Dominican Republic, the 54 caves contain some 6,000 images of birds, fish, reptiles, and humans. The largest of the caves contains some 590 drawings, considered by scholars to be among the finest Precolumbian rupestral works in the Caribbean.
Quarrying limestone for use in manufacture of concrete and antacids is not new to the area, nor is its damaging effect on the rock art. The nearby Borbón Caves Anthropological Reserve was extended in 1996 to include and thereby protect 12 of the Pomier Caves from limestone quarrying. The rest lie outside the protected zone; five of these have suffered severe damage.


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Janet Alleman and Jere Brophy
Strategic out-of-school learning opportunities (home assignments) can enrich social studies learning by providing for life applications of what is taught in school. These activities involve family members as well as other adult community members in meaningful and non-threatening ways, take advantage of students' diversity, and provide learning opportunities that are engaging and keep the curriculum up to date. Our conception of home assignments extends beyond traditional homework to activities that stimulate students to think and collect information about how social studies concepts apply to their community and family, as well as to examine firsthand how things work. Out-of-school learning can be engaging for K-3 students and enhance the meaningfulness and personal relevance of social studies instruction, and families can become active participants in their children's social studies learning.1
We draw examples from two field tests of second-grade units on cultural universals--basic human needs and social experiences found in all societies, past and present. We believe that if topics such as shelter and clothing are taught with appropriate focus on powerful ideas, students should develop a basic set of connected understandings about how social systems work, how and why they got that way over time, how and why they vary across locations and cultures, and what all of this might mean for personal, social, and civic decision making.
Home Assignments as Components of Curricular Units
In constructing curricular units, we have emphasized four principles for selecting and developing content. First, using contemporary and familiar examples, the unit should help students to understand how and why the social system functions as it does with respect to the cultural universal being studied. Our unit on shelter, for example, begins with the forms of shelter commonly found in the contemporary United States, especially in the students' own neighborhoods.
Second, each unit includes a historical dimension illustrating how human responses to the cultural universal have evolved through time due to inventions and other cultural advances. For example, shelters have evolved from caves and simple huts to sturdier and more permanent homes such as log cabins to modern, weather-proofed homes that feature running water, heat, light, and insulation.
Third, each unit includes a geographical/cultural dimension that exposes students to current variations in human responses to the cultural universal. Different forms of shelter exist in different geographical locations because of differences in climate and local availability of construction materials as well as cultural differences. Students learn that even today some people need portable shelters in order to accommodate their lifestyle (for example, nomads in the Sahara Desert).
Fourth, each topic is covered with an emphasis on its application to students' current and future lives. This is accomplished through critical thinking and decision-making activities designed to raise students' consciousness of the fact that they will be making choices (both as individuals and as citizens) relating to the cultural universal under consideration. The emphasis is not on inculcating preferences for particular choices, but instead on building knowledge about the trade-offs associated with the major choice options. Concerning shelter, for example, unit plans call for discussion of the trade-offs offered by different housing types and locations (urban, suburban, rural) and the problem of homelessness and what might be done about it.
Application to students' current and future lives is also emphasized through the home assignments. These assignments are developed using the principles for planning and implementing social studies learning activities that the authors have presented in previous publications.2
Out-of-school learning opportunities provide a natural mechanism for situated learning and the social construction of knowledge. They also provide for intergenerational discourse by allowing students to share and discuss with their families what they are learning in school, and challenge the students to apply this learning in real-world settings. The idea is to use these opportunities to provide a forum for application, not to get families to "teach" what was not accomplished in school. The assignments encourage students to talk with their families about what they are learning, take more responsibility for and truly "make sense of" their learning, and appreciate that learning is continuous and lifelong. The teachers model how to respond to the assignment, making sure that students understand the directions and how the information to be collected will be used during subsequent class sessions. The teachers also do each of the assignments themselves, generating information from their own home environment and incorporating this into the classroom discussions. This modeling of teacher as learner is motivating for students and supports teachers' efforts to establish their classrooms as learning communities. Student reactions suggest that such modeling helps them to realize that all of us can learn from our environments and link what is learned in school to out-of-school settings.
Purposes and Functions of Home Assignments
Coupling these principles, assumptions, and data with our ideas about some of the advantages of using a student's total learning environment as an information source, a learning laboratory, a forum for expanded meaningfulness, and a means of extending social studies to the home and community in authentic ways, we have identified several purposes or functions of out-of-school learning opportunities.
Provide for Expanded Meaningfulness and Life Application of School Learning
Home assignments offer daily opportunities to use what is learned in school in out-of-school settings. For example, home assignments called for students to compare homes of the distant past, the recent past, and today. They were asked to identify ways that their houses differed from the houses of earlier time periods, seek help from parents in writing their responses, and bring to school a list of differences accompanied by a paragraph that expressed which type of home they would most like to live in and why (e.g., cave or stone hut, log cabin, or modern frame house). Students were divided on these home preferences. About half favored the modern home because of the conveniences, but most of the others preferred the log cabin due to the adventure and curiosity associated with it. Two preferred caves due to simplicity and mystery.
Extend Social Studies Education to the Home by Involving Adults in Interesting and Responsible Ways
One of the goals of the shelter unit was for students to understand and appreciate the range of homes that have been created over time, the changes they have undergone, and the reasons for these changes. Students took home copies of a chart comparing the distant past, the recent past, and today, and were asked to identify differences between modern homes and those in earlier time periods. Older family members were asked to help the students write responses in the appropriate spaces on the chart. Another goal of the shelter unit was for students to understand and appreciate how technology, inventions, and discoveries have enabled people today to live in a controlled environment and to begin to grasp how these conveniences "work."
As a home assignment, parents were asked to assist their child in touring their home looking for ways that the family had taken advantage of modern conveniences such as heating, cooling, water, and lighting. They also were encouraged to show their children how utilities were made available to the home and routed and controlled through pipes, faucets, thermostats, fuses, circuit breakers, switches, etc. The drawings, photos, and explanations that this assignment yielded indicated enthusiasm and new-found knowledge. For example, one student shared his drawing and explanation of the furnace and said "Ours is always broken. I sat down with the furnace guy on his last call to our house and said, ëNow tell me how this thing is supposed to work!'"
Take Advantage of the Students' Diversity by Using It as a Learning Resource
Too often, differences among students are viewed as problems. However, these differences can be used as opportunities for students to begin with what they know best and to link their knowledge to the experiences of others. For example, one of the goals of the shelter unit was to develop an appreciation for the opportunities that people may have to exercise choice in meeting their shelter needs and wants. Students were encouraged to discuss with their families the choices they made regarding where to live and why.
This activity stimulated lots of in-/out-of-class discourse, and on follow-up surveys, family members indicated that the exercise got their children to think more broadly about why they live where they do, as well as where they would like to live and why. Students began to point out the trade-offs associated with renting versus buying. Parents also indicated that they had never before thought of explaining their choices to their children. One parent said, "The assignment gave me a forum for giving reasons for my actions. In fact, I could remove what I'd formerly called guilt."
Exploit Learning Opportunities That Are Not Cost Effective at School
One goal of both our shelter and our clothing units was to help students acquire a sensitivity for social issues that are embedded in the topics (such as homelessness), and a desire to practice citizenship as it relates to assisting others in need. Children's literature was used in the classroom to promote windows of opportunity for discourse on these topics. As out-of-school activities, families were encouraged to participate in community projects that helped others. Several families reported that their second graders reminded them of their social responsibilities and, as a result, they were collecting food and articles of clothing to be donated to local community agencies.
Personalize the Curriculum and Reflect on the Here and Now
The home assignments enhanced students' awareness and understanding of the contexts of their daily lives and the lives of their families. For example, one of the goals of the shelter unit was for students to understand and appreciate the need to pay for shelter and for modern conveniences such as purified water, energy/electricity, and fuel delivered to our homes. Students wrote paragraphs (at school) explaining why buying a house takes so much money, then shared their responses with their parents. Parents were asked to discuss the responses and to feel free to provide more specific information to be added to their child's journal entry. The returned responses reflected time, effort, and high interest. Several students voiced the need to begin being thrifty in their expenditures. One parent reported, "Suddenly, wants (as opposed to needs) took on a new perspective!"
Teacher and Parent Involvement
Daily class observations indicated that both the teachers and the students were active participants in the home assignments. Early in the first unit, one student exclaimed, "You are doing the homework, too!" The teacher explained that she also was learning about her community. From that moment, the norm was established that everybody had the opportunity to learn out of school--and home assignments were one way to do so.
Home assignments were given on most days. The parents had been alerted about this before the units began through letters from the teachers. Later they were reminded in the weekly school newsletter, and on occasion given specific instructions on notes that accompanied the assignments. The teachers modeled responses to the home assignments to ensure that students understood the goals and directions for accomplishing the tasks, and the assignments were always due for the next social studies lesson. Throughout the observations, the return rate ranged from 80 to 100 percent. The expectation was that the home assignments were vital to learning because they added meaningfulness and new perspectives.
Parent Survey Data
At the conclusion of each unit, all of the parents were surveyed. They were asked, "What did you think of the assignments?" and "Did you notice anything worth noting regarding your child's involvement in the unit?" In-depth interviews were also conducted with several parents.
Parents indicated that they thought the assignments were thought- provoking, both for the children and for the adults. Several thought that the assignments exposed the students to things they don't normally learn about. Representative comments included the following:
"It made my son think--and realize things. For example, he thought his dream house would cost a dollar. He was amazed at how many dollars we thought it might be. He learned to distinguish between modern conveniences and basics (a dishwasher vs. floors). The assignment regarding how much it costs to buy a house was especially timely as we are trying to sell ours--at least exposing him to the costs was eye-opening for him, even if he couldn't grasp all the terms."
"My daughter was eager to complete the assignments, had a good understanding of what was expected, and grasped all of the new ideas and terms. She began to pay attention to things around her such as the bill paying process--what we have to pay for--and the huge amounts it takes to live in a house. She was equally impressed--and at times a bit overwhelmed--with all the variables that need to be considered when buying clothes."
"Our son talked about things we had no idea he knew anything about. In fact, he probably didn't know much about shelters until the unit."
"The assignments produced a lot of interesting discussions at our house. They were easy to complete and didn't take much time."
"We can't go anywhere now without our child spewing out something like, "Now there's a duplex made of brick--and there's an apartment. I bet many people live in that building. One day we were at K-Mart and out of the blue my son read a shirt label, and said "See, this is silk--and silkworms are needed to make shirts like that!"
"The assignments were thought-provoking. It's good for them to realize that mom and dad's job is the way we pay for shelter."
"In our discussions, we brought to light different reasons why someone might be homeless--as well as in need of clothing. My son exhibited insight and empathy plus an understanding of other lifestyles. He developed an appreciation for his blessings and has expressed an interest in donating time, money, and clothing to area shelters."
While these comments from parents were overwhelmingly positive, there were a few suggestions regarding future homework assignments. These included advance communication about completion dates and more specific directions about expected amounts of input. A few parents also voiced a desire for more rationale for the home assignment, to help guide them in expanding their discussions. Finally, for some parents, daily homework for second graders was a new thing that took "getting used to"--although it came to be appreciated.
Parent Interview Data
In addition to surveying parents at the conclusion of the shelter and clothing units, we interviewed parents of six students (stratified across achievement levels). Three themes emerged from their responses:
1. family impact (e.g., focused discussions, interest in family stories, information from other family members, family as a learning unit, and family esprit de corps)
2. personal efficacy (e.g., "This is what I plan to do when I grow up," "I can contribute to decisions," reconsidering needs and wants, and making recommendations to others)
3. constructing meaningful understandings (e.g., making connections between real life and book learning; applying what we learned in school to a television program; and honing in on the "how things work" aspects at home in order to really understand them)
Parents' interview comments revealed both their genuine interest in being a part of their children's learning and the sense of empowerment it gave them. Parents liked the fact that the assignments were family-specific, and welcomed a chance to personalize learning by drawing on their own experiences. Suggestions included specific resources they would recommend: a CD-ROM on designing clothing; SimCity 2000 (a CD-ROM for the shelter unit), e-mail activities connecting children to other rural or urban areas for the purpose of sharing their experiences; field trips (to building sites, fabric shops, etc.); names of resource people that could be invited into the class; and recommended activities connected to TV programs their children watch.
Experiences with second graders and their families suggest that out-of- school learning activities can indeed enhance interest in content, promote meaningfulness, and engender applicability of major social studies understandings. The in-school social studies lessons can be developed in-depth by using the diverse responses provided by the students from their personal environments. Diversity can be addressed in natural ways, cutting across all cultural and socioeconomic groups. Equally important are the benefits that result when students and their families are given opportunities to come together and collaborate about school-related learning.
Home assignments can provide stimuli for enjoyable and relationship-affirming learning opportunities--non-threatening because the knowledge is personal and the depth of discussion is based on individual readiness. Furthermore, home assignments can provide windows of opportunity for parental mentoring, for cementing parent-child relationships, and for giving children chances to see family members as decision makers coping with life challenges, rather than only as authority figures issuing pronouncements or orders.
Home assignments structured around powerful ideas taught in school can enhance self-efficacy with regard to personal, social, and civic decision making. Students come to realize that individuals make a host of decisions; that these decisions are based on knowledge, life experiences, economic conditions, cultural values, and personal preferences; and that attached to these choices are alternatives and consequences. While young children lack the maturity for major decision making, out-of-school learning opportunities targeted within their zones of proximal development can be meaningful, engaging, and raise their levels of concern and caring to new heights.
Finally, strategic learning opportunities during out-of-school hours are worth considering for the qualitative impact that they can have on the learning of social studies content--helping to focus it on clusters of big ideas and connect these ideas to life applications. For all these reasons, we plan to continue featuring such activities in our unit.
1. J. Alleman & J. Brophy, "Taking Advantage of Out-of-School Opportunities for Meaningful Social Studies Learning," The Social Studies 6 (1994): 262-267.
2. Brophy & Alleman, "Activities as Instructional Tools: A Framework for Instructional Analysis and Evaluation," Educational Researcher 20 (1991): 9-23; Brophy & Alleman, "Planning and Managing Learning Activities: Basic Principles," in J. Brophy, ed., Advances in Research on Teaching: Vol. 3. Planning and Managing Learning Tasks and Activities (Greenwich, CT: JAI, 1992), 1-45; and Brophy & Alleman, Powerful Social Studies for Elementary Students (Fort Worth, TX: Harcourt Brace, 1996).
About the Authors
Janet Alleman is professor of teacher education and educational administration at Michigan State University.
Jere Brophy is distinguished professor of teacher education at Michigan State University.

subset: commoncrawl


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The Internship Placement Process
The Internship Placement Process is conducted using a combination of the following methods:
Student-driven/initiated search: Participants are strongly encouraged to take initiative in searching for internships related to their domain interest. Staff will support and advise students throughout the process. Participants should research any connections they might have to Chinese employers before departing for China. These connections can be found through a variety of sources such as university faculty and staff, family members, friends, former employers, alumni networks, and religious organizations among others.
Former and new contacts: Staff can contact former alumni/former internship providers to assist participants with their internship search. They also establish new internship contacts and maintain relationships ("关系guanxi") with potential employers in Beijing.
Internship Requirements
All internships must meet the following requirements:
Students must intern in a Chinese-speaking professional setting in Beijing area, preferably with Chinese organizations. The most beneficial work environments for Flagship interns are those with the least number of colleagues who are native-level English speakers.
Teaching English may not be a primary job responsibility.
Students must work part-time for a period of at least four months (8 hours minimum per week). The minimum four-month requirement consists of sixteen weeks on the job broken down into eight biweekly reporting periods.
Students' internships must correspond to the participant's field of interest and abilities, subject to certain political or cultural limitations. Certain internship fields are highly discouraged due to safety concerns.
Procedures for Internship Placements
RESUMES: Students will work with Beijing Center Staff and instructors to revise and improve their resumes. Students should work with the Resident Director and Academic Director to identify clear goals and responsibilities for their internships, such as what do I want to accomplish, what do I wish to learn etc.
STUDENT SEARCH AND APPLICATION PROCESS: Students initiate their internship searches based on the objectives identified in individual meetings with staff. Staff is available to provide advice and guidance to students on a daily basis. Students are encouraged to regularly discuss their search process and application materials with staff.
UPDATE: Students provide internship contact information and internship responsibilities to staff for follow up and maintenance in a database.
ENGAGE: Beijing Center Staff engages the internship provider: (a) Introduce Flagship and goals; (b) Confirm internship opportunity and responsibilities for students; (c) Location and start/end date; (d) Confirm expectations from internship provider and from students.
WORKSHOP: The Beijing Center Staff will schedule mandatory training seminars and workshops for students throughout the semester. Discussion topics include job search tips, professional etiquette in China, working in a professional Chinese environment, and the previous internship experiences of Flagship alumni.
FOLLOW UP AND EVALUATION: Once internships begin, students are expected to provide the Beijing Center Staff with frequent status updates, respond to the Staff's questions and requests in a timely manner, and submit bi-weekly reports by each deadline. A database of student internship information including (a) Student location and contact info; (b) Internship provider contact/info; (c) Internship site and responsibilities will be collected and retained by the Beijing Center Staff.


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Martin, 2009/6/27 Martin Hepp (UniBW) <firstname.lastname@example.com>: > So if this "hidden div / span" approach is not feasible, we got a problem. > > The reason is that, as beautiful the idea is of using RDFa to make a) the > human-readable presentation and b) the machine-readable meta-data link to > the same literals, the problematic is it in reality once the structure of a) > and b) are very different. > > For very simple property-value pairs, embedding RDFa markup is no problem. > But if you have a bit more complexity at the conceptual level and in > particular if there are significant differences to the structure of the > presentation (e.g. in terms of granularity, ordering of elements, etc.), it > gets very, very messy and hard to maintain. Amen. Thank you for writing this. I completely agree. RDFa has some great use cases but (like any technology) has its limitations. Let's not oversell it. Tom.Received on Sunday, 28 June 2009 22:46:49 UTC
This archive was generated by hypermail 2.3.1 : Wednesday, 7 January 2015 15:15:57 UTC


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|Profile Link
|Mission List
|DYOM User
|Andrej, A98, A(n)drEj (former on DYOM), Andre (very rarely)
|October 18, 2011
|October 16, 2011
Before founding DYOM, he was playing GTA series (SA,VC,III,LCS,VCS,IV). When he completed all games,he hasn't been satisfied. He wanted to play more GTA style missions and continue through the story. May 2008, Andrej found mod for SA called Great Theft Car: San Andreas , where the player is available to play new 49 missions in GTA San Andreas. But after finishing it, he still thought about extending story. May 2009, AnDReJ98 finally found DYOM, but he didn't know how to use it. Andrej made just 2 missions which were not released on the old DYOM website. Some months later, A98 released his first mission called Ryder and Luch. Later there were released two more missions from Ryder and Luch mission-pack.
Getting used to DYOM
After finishing Ryder and Luch mission-pack with 3 parts,he started new mission-pack called The solder is king. As planed, he finished it with 3 missions, like he did with Ryder and Luch. Downloads were increasing as time went then he thought: If i write a good story and make lagre mission-pack, i'll be a popular & great designer? Then he started working on another new story, but as month went, because of problems with PC, all missions got deleted. Andrej gave up from making big mission pack, and deleted DYOM. January 2010, he installed DYOM again, but just because of playing other people's missions and getting inspiration from it. Since December 2010, he started making missions again, though this time they were only single missions. That was first normal debut from him. February 2011 AnDReJ98 had to stop making missions due to PC problems, but his previous missions he made between 2010-2011 were very popular.
Improving skills and getting famous
August 2011, Andrej saw new version of DYOM V6.1, that gave him ability for which he was waiting, the story-line feature. He started his first story-line called Jack Prinston's life. He finally got a chance to make what he always wanted to make, original GTA story-line. Andrej finished 'JP' only after 1 month with 48 missions from which 17 missions were made by GTA United mod because of ability for player to use Liberty City & Vice City. Jack Prinston's life was a big success, it reached more than 600 downloads and positive reviews on DYOM website that gave him motivation for next big projects.
Official DYOM designer
After Jack Prinston's life, Andrej started the Episodes from Tommy Vercetti story-line which was released on 24 September 2011 on DYOM website with total 21 missions, made using San Vice mod. After the big success with two story-lies, he took rest by making only single missions. On late October 2011, DYOM website got updated by giving designers ability to create their own account. Same day he joined, and finally, after 1 month, AnDReJ98 joined GTAForums. He posted his first topic on GTAForums called: Gadaffi's adventures which was never been released, then he published his previous work Episodes from Tommy Vercetti, which was critically bad received, though it still managed to reach 500 downloads on DYOM website. Andrej started a new project called Carl Johnson which was failure. People thought that he's the another spammer who starts new mission-pack and then cancel it, so he decided to leave GTAForums and come back on designing missions and uploading them on his DYOM profile at DYOM website.
Improving skills & getting known on GTAForums
Inspirited by other designers by playing their missions and checking their topics, AnDReJ98 has learned how to use BBcodes and he made another story-line, publishing it on GTAForums, called: Episodes from San Fierro. People have seen that he has improved a lot, and started giving him better reviews. Episodes from San Fierro was finished for 1 week with 19 missions making it a big success by reaching over 1700+ downloads on GTAGarage and 2000+ downloads on DYOM website to the date. After better success on GTAFormus than previous two times, he published his older mission-packs and story-lines GTA and Need for Speed and Jack Prinston's life on GTAForums which weren't successes as expected, but Jack Prinston's life reached over 1200 downloads on DYOM website then, making it AnDReJ98's most downloaded story-line for that era. That was his start like official DYOM designer.
Senior DYOM designer
After improving skills, AnDReJ98 designed 64 missions (22 story-lines) for 3 months, then Secronom President gave him better place in DYOM selection: Senior DYOM Designer as you can see in his DYOM profile.
GFX Selection
Since 2012, Andrej joined GFX selection to make GFX for people on GTAF. He has learned how to use photosohp from other GFX people, and by that he started making GFX for improving his topic's look for missions.
Skin & Clothes
One month after joining to GTAF,Andrej made two new skins for GTA San Andreas, Ryder's new clothes and Tommy Vercetti skin. He hosted those mods on GTAgarage.
2012 & 2013 New projects, leaving & comeback
New projects
In early 2012, Andrej released his new story-line called Mike Devison Chronicles which was critically bad received and was not success overall, later it was canceled. February 2012, Andrej hosted one more story-line The Chronicle of Barney Williams, which was better success with positive received feedbacks and reviews. One month later, he started working on another story-line named: The Franchescos Brothers which was also success, but it was less popular cause of requiring San Vice modification. Andrej though about doing reforms by reviving his older projects from dumping grounds and publishing then on GTAForums what didn't make a huge success like previous two new story-lines. In late May 2012, Andrej released his new story-line No time for the life which was less popular but it still reached 480 downloads. Popularity was slipping, at that time, Andrej was far more popular on DYOM website and GTAGarage than on GTAForums. Soon, Andrej announced new large story-line GTA San Andreas Stories which had release date 26/8/2012 but it was never released. At June 2012, Andrej started working on horror mission-pack The Ghost From The Past which was canceled after making 4 missions, due to lack of free time and ideas.
Leaving & Comeback
On October 2012, Andrej announced that he's retreating from designing due to focus more on his personal life. But after just 3 months he came back by releasing new mission-pack with name Rock 'n Roll story which was a big success, by reaching more than 400 downloads for 2 weeks. It was popular on both DYOM website and GTAGagare, and critically well received with many feedbacks on GTAForums, and it was last AnDReJ98's successful mission-pack since The Chronicle Of Barney Williams. But because of personal life problems, it was canceled and never continued. All after Rock 'n Roll story, Andrej was less active compared to years before, though he was still playing other people's missions sometimes.
Reforms & MOTW era
At 7 March 2013, Andrej started slowly remaking his old San Vice story-line The Franchescos brothers. He wasn't fast as he used to be but, he managed to finish it for 1 year.
Mission Of The Week (MOTW) era
At May 2013, Andrej started doing a fan-made contest called 'Mission Of The Week' (MOTW). It was based off SOTW (Signature Of The Week) from Visual Arts selection where people make signatures following week's theme, after deadline they vote for the best signature of the week. MOTW worked on same system with more complex rules. Contest was successful, with many changes that were made when Andrej gave contest to community to lead when he was busy with personal life. MOTW ended at late 2013 and was continued at May 2014 by Andrej & Target13, and it's still going on.
Andrej started planing to do reforms of his older projects including The Franchescos Brothers & Episodes from San Fierro. So he decided to start it (Reforms - reviving/remaking his older projects and giving them a newer feel) for celebrating his 5th anniversary in DYOM, which is at 25 May 2014.
5 Years Anniversary
'The Best Of' Collection
Andrej announced on 25, May 2014 that it's 5 years since he started using DYOM and he published collection of his best made projects since beginning of his career, called 'The Best Of' on DYOM website and GTAGarage. Download will be avaliable at beginning of June. It contains 2 recently remade projects with newer version, 7 original projects and 1 pack of single missions that were taken from canceled mission-packs, contests, etc.
Anniversary Mission-Pack
Rumors were saying about 5 Years Anniversary Mission-Pack/Storyline that possibly could be announced at summer 2014, though there are not many informations that could confirm this.
New comeback 2014
Since a long rest from designing & inactivity in DYOM (Apart from slowly working on TFB Remake for 1 year), Andrej came back in often designing like he used to do back in 2011 & first part of 2012. He firstly completed his decision-mission pack Different Paths in 2014, that was planned in early 2013. It was a successful mission-pack with good reception. After that, Andrej started remaking one of his most successful mission-packs, which later got changed name since it contains + two new stories, Episodes From San Fierro (New). It was a comeback to his activity in DYOM business.
- Ryder & Luch (2009)
- Solder Is King (2009)
- Jack Prinston's life (2011)
- Episodes from Tommy Vercetti (2011)
- Episodes from San Fierro (2011)
- GTA & Need For Speed (2011)
- Gracia's Gang Story (2011)
- Ryder's Life Story (2011)
- Free Life In Vice City (2011)
- Army Man 5 (2011)
- The Story About Tony Denison (2011)
- Carl Johnson (2012)
- Mike Devison Chronicles (2012)
- The Chronicle of Barney Williams (2012)
- The Franchescos Brothers (2012)
- GTA Los Santos (2012)
- GTA San Andreas Stories (2012)
- No time for the life (2012)
- The Ghost From The Past (2012)
- Rock 'n Roll story (2013)
- [Remake] The Franchescos Brothers (2013)
- Different Paths (2014)
- Episodes From San Fierro (New) (2014)


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Today I bring you three amazing geek-tastic polishes!
I was contacted by the owner of Fanchromatic Nails, Lynae, if I would like to review some of her polishes. Of course I agreed! Geek-based polish! Heck yes! Sign me up! I've been lemming a few of her polishes for a while now, so I was super excited and honored that Lynae contacted me.
So, let's get on with the polishes!
This is Not a Lady. This is a brand new polish for Fanchromatic! It's due to be released July 16th! It is inspired by the characters Brienne of Tarth and Arya Stark from Game of Thrones. It is a deep, blackened warm rusty red, with a leather-like finish.
This is one coat of Not a Lady. One coat! And look at that gorgeous deep color. I would call it a bit more of a blackened red based purple. And that finish! Wow! Looks like leather to me! Gorgeous!
This is Not a Lady with top coat. Still just as gorgeous! And it shows off the shimmer found in this lovely polish! The formula is fantastic! A one-coater indie is amazing! Just top quality pigments!
Now, I didn't finish the first book of Game of Thrones (I really tried for a year! But couldn't), but if the book was like this polish I would have finished it in a week!
This is Deceptive Charm. This is from Fanchromatic's early summer 2014 release. This intense color was inspired by Weyoun, a character from Star Trek: Deep Space Nine. It is a very saturated cobalt/royal blue with a gorgeous pink shimmer!
Guess what! Another one-coater! And this blue is so amazingly pigmented and such a bright royal color! (please excuse the bumps on my nails, they are from my nails and not the polish) I did use a top coat.
Here is Deceptive Charm taken with flash and slightly blurry so that you can see that pink shimmer. See it? Isn't it stunning! I think that hidden shimmer really makes this polish special!
This is Misty Mountains. It is one of Fanchromatic's most popular colors (and one of my lemmings!). It is part of the There and Back Again series inspired by Tolkien. It is a murky, earthy sage green with gold and copper glitter in varying sizes, gold shimmer, and blue iridescent glass flecks.
Now, this being a glitter (an amazing one at that) it runs a bit sheer. On my index, middle, and pinky fingers I used one coat of OPI Stranger Tides as undies. My ring finger is two to two and a half coats of Misty Mountains. As you can see both ways are gorgeous! If you layer it over some undies then it'll last longer! :)
Just look and all that shimmery goodness! And can you see the blue flecks visible on my index finger? This polish is just as good as I'd hoped it would be! I love it!
Polishes are available in full 15mL for $9.50 or mini 5mL for $5.00
Please visit Fanchromatic's Facebook page
And visit Fanchromatic's esty shop
I want to thank Lynae and her amazing brand Fanchromatic <polish for the geek in you> for this wonderful opportunity! All the polishes I reviewed were of amazing quality and formulas were fabulous! Thank you so much!


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Which vehicles require DPFs?
DPF's have been used in cars, trucks, buses and non-road machinery for several years. The earliest DPFs appeared in cars as long ago as 2001 and most new diesel cars are now fitted with a DPF. Since 2007, all new trucks in the USA have been fitted with DPFs. This will also happen in Europe with the introduction of the Euro VI emissions regulations in 2014.
Why do DPFs require cleaning?
Particulate Matter (soot and ash) steadily builds up in the DPF during use. The soot is usually removed automatically (by a process known as regeneration) but the ash accumulates in the filter and needs to be removed periodically by cleaning the DPF to prevent blockages.
How frequently should DPFs be cleaned?
The frequency of DPF cleaning varies enormously with the typical duties performed by a vehicle. The vehicle manufacturer will provide guidance on the recommended cleaning frequency and these can vary between approximately 1-2 years, depending on the usage of the vehicle. However, DPFs fitted to vehicles that make frequent short trips at low speeds can often become clogged within 6 months of cleaning.
Many vehicles are fitted with a warning light that informs the driver when the DPF needs cleaning, based on an increase in the exhaust back pressure detected by the engine.
How long will a DPF last?
Under normal operating conditions, a DPF should last as long as a vehicle, although it will require servicing at regular intervals (depending on the duty-cycle of the vehicle).
How does the Ceramex® DPF cleaning technology work?
Our patented Xpurge® DPF cleaning process uses an innovative combination of water and air in order to remove any accumulated soot and ash deposits from the filter. Ceramex has also developed proprietary technologies for drying the DPFs after cleaning. We are then able to inspect the condition of each individual DPF using our patented Veritex® DPF inspection technology and other techniques
What is the cost of cleaning a DPF?
The cleaning cost varies according to the number of filters that are cleaned under any individual contract. Further details are available from firstname.lastname@example.com.
Is the technology available for licensing?
Ceramex® runs several DPF cleaning centres in Europe and are also interested in licensing the Xpurge® and Veritex® technologies, particularly to vehicle manufacturers (to be used in their parts remanufacturing centres) and to operators of large fleets of buses and trucks. If you are interested in licensing opportunities, please contact firstname.lastname@example.com.
How do I know I will get my own filter back?
Your filter is uniquely barcoded allowing it to be tracked throughout the entire process right through to dispatch.
Which type of filters do you clean?
Ceramex can clean virtually all of the different types of DPFs used in cars and vans as well as buses, trucks and other heavy-duty vehicles and engines.


text: Web Informant 23 November 2011: Clean up your PC with TuneUp Utilties I know many of you are planning your 5 am commando raids this coming Friday on the local shopping emporia, but if you need a break from trying to download all the various holiday flyers so carefully preserved in PDF format by Walmart, Best Buy et al. or trying out Black Friday apps on your iPhone, you might want to take a moment to clean up your Windows PC with the latest 2011 version of TuneUp Utilities. It will be well worth your time, and for $50 for three computers, cheap too. All of us who use the same computer for more than a year have noticed that things tend to slow down over time: it takes longer for the PC to boot up and shut down. Even when we try to restrain ourselves from adding or deleting programs, the registry gets bogged down with superfluous entries that slow the machine down while it is running too. That is where TuneUp can help. I have used previous versions, and while they were good about optimizing the overall Windows OS parameters, they didn't do much in the way of figuring out the applications on my machines. The new version goes deeper into how the apps work, and makes it really easy to adjust them to meet your particular needs. You get constant feedback about the consequences of your decisions, so you immediately know whether something that you just did is going to actually improve your performance or not have any impact. I wish we had something like this for our lives. One of the new features in the product is called Program Deactivator. If you wanted your PC to run faster, you previously had to uninstall programs that took up a lot of your system's resources. Now, with just one click, you can deactivate a software program that you don't normally use. However, the bits remain installed on your computer, and when you need to run the program, you just click on its icon or select it from your Programs menu and it comes right back up with almost no lag time. By deactivating unused or infrequently used programs, you speed up your overall operations. TuneUp shows you the impact of your selection on startup, during operation and upon shut down, so you can get an idea of what kind of resource hog each program is. TuneUp engineers did some benchmarks that showed deactivating programs returned a sluggish PC almost back to its first day performance characteristics. The process is very intuitive and takes just a few minutes. There are a lot of other performance enhancements in the utility, including a special "turbo mode" that can make your machine run a lot faster when you need it for playing games, editing videos or doing other processor-intensive tasks. TuneUp Utilities works for all versions of Windows since XP with SP2, including 64-bit versions. You can download a free trial at http://www.tune-up.com/download And if you want to see a quick video screencast that I did for the company, check it out here: http://webinformant.tv/tuneup2011.html Retweet this: @dstrom Clean up your PC with TuneUp Utilties http://bit.ly/dSKDrS


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+The Sweetest Siren You'll Ever Meet!
If you are searching for a statuesque exotic beauty with girl next door charm, you've found her.
Hello there, I'm Gia Scott, a bubbly and beautiful college student and I am here exclusively for gentlemen who seek the best. A gentleman who yearns for a dream girlfriend without the drama and stress that a relationship always brings.
As an Upscale Companion, that is exactly what I seek. Quality Over Quantity.
I enjoy being an ambitious student by day and a companion by night. It excites me. Despite my age, you can find my interests range from from college parties to classical piano. I can entice you in any scenario. I am poised and articulate
I must admit I am a sucker for romance, and an infatuated with the sense of touch. Imagine… Velvety rose petals, sparkling drinks and lots of laughter.
I do prefer longer dates to further acquaint ourselves. I am no stranger to the finer things in life as well as life's little treasures, and can therefore accompany you to any event or suggest an adventure of our own.
Gia Scott is a 5'11", slender, all natural, 20 year old black woman with medium length black hair and brown eyes.
She is available for Men, Women, and Couples.
I love learning about victorian architecture and fanfical castles around the globe. I also enjoy a good mystery novel as the hopeless romantic in me loves a good sappy love story. I also enjoy learning French & Korean. I love to listen to all sorts of music besides and you can usually find me dancing in my room to the beat!
I do pilates and recently started pole fitness, which I love!
I am very studious, but enjoy letting my hair down at night, and thats were you come in…
I am available Mon-Fri 3pm -10pm for in call. I am available for times earlier than that for established friends who want outcall.
- Cleanliness is godliness. Please come with your best foot forward, freshly showered and clean. If you are not able to do so beforehand, you are welcome to shower at my location.
- If our date is private, please place your donation on the bathroom counter without discussion.
- If our date is public, please place your donation in my purse in a discreet covering (unmarked envelope, book, gift bag, small box) without discussion.
- Screening is absolutely REQUIRED for new friends. Discretion and Safety are my top priority. Your information is deleted after screening is completed. It is a painless and relatively quick procedure.
I accept cash in US Dollars only. Please place the donation in plain view without discussion.
3 Hrs - 900$
2 Hrs - 700$
1.5 Hr - 450$
1 Hr - 350$
- your address book (vcard)
- your smartphone (QR code)
Scan the following QR code with your smartphone to view or save Gia Scott's contact information:


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Irving Azoff Talks Ticketmaster's Future
By Ray Waddell
One year after its completion, newly named Live Music Entertainment Chairman Irving Azoff says overall he is pleased with how the Live Nation/Ticketmaster merger has progressed in just over a year.
"At this point last year we'd just completed the merger and our primary focus has been on integrating the operations, cutting our costs -- which we had to do and which you saw us do with our North American concerts [division] -- and driving our operating synergies," he told Billboard. "We're now a year later, [and] I think we're in a really good position to capitalize on what we set out to do and improve our performance."
Azoff added that he thinks people will be "surprised" by what his company is doing, particularly on the Ticketmaster side. "We're dramatically going to change the ticketing and the e-commerce experience and how we serve audiences," he says. "The business is converging around the online ticket and buying tickets online, and I think Ticketmaster and Live Nation are going to benefit from this. It's everything relative about the artist and the venue and the event on one site."
In terms of dealing with a still-struggling economy, "we know that consumers are still under pressure; there isn't great confidence to spend money anywhere, let alone on live shows," Azoff said. "It looks like the pipeline of content this year is amazing, and we're taking responsible steps to make sure the shows are packaged better, are more affordable and more accessible. Bringing the final piece of Front Line [billboard.biz Feb. 6] is the last piece we needed. We've always talked about that artist-to-fan pipe and us as the distribution system, so really that's the last step before we finish this tech build-out and e-commerce build-out of Ticketmaster to delivering what we said when we first talked about the merger."
Live Nation is reacting to a downturn in last year's concert business, Azoff stressed. "We know it's a mature concert business, we're going to run that business better, we're more disciplined on packaging and pricing because that's how we protect artists and the fan experience and how artists are going to maintain their careers," he said. "We're operating on a lower cost base, we cut our costs at Live Nation, and with our technology changes we're spending all this money on at Ticketmaster, it's going to lower our cost base at Ticketmaster over time, too. We will continue to put big money in the high-growth online platform because we will deliver better products for audiences, for buildings. And we have to drive more revenues for the entire industry around the ticket purchase in live events."
Azoff cited recent Ticketmaster moves into Spain and France, as well as a recently announced joint venture with Maple Leaf Sports & Entertainment in Toronto, as examples of how the company continues to build its global platform, and revenues from those ventures will be used to grow and evolve Ticketmaster.
"We have incredible growth opportunities overseas," he said. "We recently bought in Spain, we bought in France, we brought back the Washington D.C. franchise [from Monumental Sports & Entertainment], we announced the joint venture in Toronto. It doesn't get much notice, but those are really important ways that really drive our profitability and give us more money to pour back into all this stuff."
Asked if Ticketmaster might consider working with online discounting models like Groupon or Scorebig in solving the industry-wide problem of unsold inventory, Azoff didn't rule out the idea. "We're listening to everybody, talking to everybody," he said. "There's one I particularly like that I think will get done in the next couple of weeks, but we can't really talk about it yet."
Azoff says he has faith that great music and killer live shows will prevail, even as there seems to many to be a general disillusionment among concert fans about the overall music business and the concert business specifically.
"I think that music impacts people's lives more than ever, and we on the live side of the business have got to now translate that into getting people to see live shows," he said. "As you know, there's nothing more powerful than the live performance, and we've got to do a better job of selling that and getting people to shows. That was one reason for the [Ticketmaster/Live Nation] merger and we're working on our long term strategic planning to get that through."
Billboard.biz will have lots more from our conversation with Irving Azoff all week - and look for even more in our in-depth Q&A appearing in Billboard magazine on Friday! Check out our earlier arrticles, in which Azoff talks about Ticketmaster's competitors and his recent appointment as chairman of Live Nation.


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Virginia Democrats: Let's Vote on Tuesday!
November 05, 2017
Virginia Democrats: Let's get out and vote on Tuesday!
Let's push for positive people policies with
- Ralph Northam for Governor
- Justin Fairfax for Lt. Governor
- Mark Herring for Attorney General
- Your local state delegate
- And if you're in Fairfax County, YES on the School Bond.
and let's start turning the tide against the horrible policies and personalities that come from the other side.
For information on voting, go to iwillvote


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Bishop Andrews is pleased formally to announce the inauguration of the Diocese of Algoma's 'Lift Up Your Hearts' initiative. He is calling all parishes to join together in 'celebrating God's generosity' for six weeks, beginning Sunday, 4 October. In this season of gratitude, the diocese will return thanks to God for our common life and for what we have learned over the course of the past five years in the implementation of the Strategic Plan. More importantly, we will, through worship, preaching, Bible study, devotions at home, and parish activities, experience afresh God's grace at work, and find inspiration to 'lift up our hearts'!
Resources for parishioners, and for parish leaders and clergy are now available on the web site, or through the Synod Office. Please go to the links at the right of the home page.
© 2019 The Diocese of Algoma - Anglican (Episcopal) Church of Canada. All rights reserved. Business/registration Number: BN 11923 8202 RR0001. Powered by Miramar Design Studio


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> Léonie Watson > Firefox Beta 1 did not supply quote marks for the quotation > that did not have them included already. Firefox does present the quotes *visually*, but - similar to CSS generated content - these quotes won't be passed on to screen readers etc. > Jaws did not identify the quotation without quote marks as a > quotation, but read it as normal text. Jaws did identify the > quotation with the quote marks and behaved accordingly. Which would make me suspect that Jaws doesn't care either way about the presence of the Q element in Firefox, and relies solely on whether or not quote marks are present. As I don't have any access to Jaws anymore, could you do another test with 2 quotes, both wrapped in quote marks, but only one of them wrapped also in a Q element...and check if Jaws behaves the same in both cases? Patrick __________________________________________________________ Patrick H. Lauke Webmaster / University of Salford http://www.salford.ac.uk __________________________________________________________ Web Standards Project (WaSP) Accessibility Task Force http://webstandards.org/ __________________________________________________________Received on Monday, 10 October 2005 12:48:49 UTC
This archive was generated by hypermail 2.3.1 : Tuesday, 13 October 2015 16:21:33 UTC


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We teach minds to think, hands to do and hearts to love.
A warm welcome to St Hild's College CE Aided Primary School. Our school vision reflects a passionate commitment to learning and recognition of the uniqueness of individual learners. It is driven by our desire to offer the best possible education for our pupils in partnership with parents and the local community. Please view our fantastic gallery page to find out about all the activities we have been doing across school.
This school is for children between the ages of 2 and 11 years. Its existence ensures the right of parents to have their children instructed in the Faith of the Church of England, in a Christian atmosphere, within the family of the Church. We are proud of our links with St Giles Church and regularly visit the church. Reverend Alan Bartlett is our Chair of Governors and enjoys visiting our school. Our half termly Eucharist's are a wonderful time to reflect and take part in Christian Worship.
We aim to provide a happy and secure environment, where children think for themselves and use their own initiative as often as possible. The acquisition of the necessary basic skills is of great importance. We try to teach the children how to learn, rather than drill them with facts.
Through our website you can find out about our school, and meet our staff.
St Hild's offers our children a creative curriculum and meets every child's needs.
Our class pages show recent exciting activities that have been taking place in each year group. Visit our parent's page to find all the information you need about our school.
Pupils of faiths other than Church of England are welcomed at St Hild's CE Aided Primary School. We work closely with our families to provide the best possible education for our children. We are committed to promoting the fundamental
British Values of democracy, the rule of law, individual liberty, mutual respect and understanding of those with different faiths and beliefs.
If you would like to visit our school you are most welcome.
Please contact Mrs J White our school secretary to make an appointment.
0191 384 7451
We look forward to seeing you soon.
Mrs Alex Ryder


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This is the first of the 2015 albums I bought that I thought deserved a bit of love. I will be giving some love to some more beauties later.
These days it is not cool to like Oasis and in extension the Gallagher brothers, but I luckily never was one for caring about being cool. I am happy to admit that Oasis was one of the first bands I really loved. I remember buying 'Definitely Maybe' and just playing it over and over again. I simply loved it. Its sound was completely new to me as a fifteen-year-old. The love stuck throughout the '(What's the Story) Morning Glory' era, but faded when their follow-up albums just lost that special something. Though I have little interest in the younger brother (after all he didn't write any of the good songs), I was glad when Noel decided to do his own thing.
I have heard plenty of criticism of Noel's songwriting in the past. The 'they are just copying the Beatles,etc'. But whenever I hear that I remember hearing Noel in an interview back in the day. He responded to the criticism by asking 'If it's so easy, why isn't everyone else doing it?', which was a fair point, as it was making him shed loads of cash.
I liked his first HFB album a lot. There are some really good songs on there and already showed that he had rekindled his love for music and songwriting. But with self-produced Chasing Yesterday he has proved that he can still move forward and is still perfecting his craft.
My opinion:
I really love this album. For me, it's easily on par with everything Noel Gallagher did with Oasis. It was the first album of 2015 I really looked forward to (out in February) and it did not disappoint me. In fact, I am incredibly impressed with this album, mainly because it's great to see that someone who has been around for so long and is, let's face it, getting on a bit, can still improve as a songwriter. I think it is especially the lyrics that have improved. Yes, the rhyming dictionary is still there, but there appears to be a depth to the words that there hardly ever was in his Oasis days. It feels like he has finally come of age. About time too.
It's rare that I have something to say about every song on an album, but because this is an album that both me and my husband like a lot we have played it an awful lot, so all the songs have started to have their own life in a way.
The album starts with 'Riverman' a highlight for me with it's lovely almost soothing guitarwork and then the lovely sound of the saxophone. 'In The Heat Of The Moment' is a song I took a little while to warm to and I still much prefer the Toy Drum Mix, which comes as a bonus track and misses out the slightly annoying na na na na nas. There's a bit of an echo of Bowie in 'The Girl With X-Ray Eyes' and it reminds me a bit too much of the old Oasis B-sides, but is a pleasant song.
'Lock All The Doors' I believe is one the oldest songs on the album, written during early Oasis times and it sounds like it too. You can imagine how great it would have been sung by Liam (early on when he still had a decent voice). Nevertheless, I love this song, it's got great energy and the chorus just makes you want to shout along, which is exactly what a great Gallagher tune does. 'The Dying Of The Light' is a gorgeous tune that just invites me to relax and close my eyes. It's bloody lovely! In between that and 'While The Song Remains The Same' sits 'The Right Stuff', which is a song I needed some time to get used to, but actually ended up being one of my favourites on the album. I would be happy if Gallagher decided to pursue that type of sound for a whole album.
The backend of the album remains strong with the to my ears slightly dirty sounding 'The Mexican' (It's not the words that make it dirty, it's the riff I think. It is hard to explain – more a feeling than anything.) and 'You Know We Can't Go Back' in which I strangely love the drumming in particular. Chasing Yesterday finishes with 'The Ballad Of The Mighty I', another highlight. With handy guitarwork from Johnny Marr and a great beat, it's a wonderful track that shows a glimpse of Gallagher's love for dance music.
So bookended by two great tracks with plenty to enjoy inbetween this is an album I have really enjoyed this year. Of course the fact that my husband loves it as well means we simply played it a lot!
I am looking forward to the next one!
One word to describe this record: Solid
Play it when… Relaxing, driving, working… any time really
Songs you need to hear: The Dying Of The Light, The Right Stuff, Lock All The Doors, Riverman


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All this talk of black doors is starting to get to me.
I shouldn't write late at night with classic rock playing in the background. Though that sounds less like the Rolling Stones and more like Sylvia Plath writing mis-numbered Haiku.
We've been debating black floors in the vestibule. Pat can stain them and I've been doing some research. Found this collection and I think it works.
We have to get the raw wood, stain it and install. Then repaint the wainscoting white and maybe red for the walls. It is a small space but it is very tall.
Found this on Apartment Therapy. Love the gloss but that may not work for us.
Inspiration:High Gloss Black Floors
The black floors will work with our overall plan which is to include white or cream wainscoting and red walls. I think it sounds more extreme than it will actually appear.
I think it will work. And if it sucks, well it is only the vestibule.


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Nehru Place Hotels Limited is committed to undertaking an INR 75 crore renovation programme to upgrade the hotel's facilities. This refurbishment will encompass guestrooms, restaurants, conference and banqueting facilities, and recreational areas. On completion of these works the hotel will be branded as 'Hilton'.
Martin Rinck, president, Asia Pacific, Hilton Worldwide, said,
"We are delighted to be entrusted with this strategically located
property. This marks the continuation of Hilton Worldwide's
expansion in India, a critically important growth market for us.
With this agreement,we now manage five hotels in three key cities in
India. Steadily increasing our footprint, we plan to open another
five properties in India this year, which will more than double our
trading estate for 2011."
Besides the 'Eros Hotel - Managed by Hilton New Delhi/Nehru
Place', the properties currently managed by Hilton Worldwide in India
include Hilton New Delhi/Janakpuri, Hilton Mumbai International
Airport, Hilton Chennai and Hilton Garden Inn New Delhi/Saket.
Nehru Place Hotels Limited is a part of the Eros Group founded by Mr. J. R. Sood and currently run under the dynamic leadership of his son Mr. Satish Sood with more than four decades of track record in real estate including residential and commercial buildings, five-star deluxe hotels, high-end commercial complexes, state of the art cinemas and shopping malls. The Group is an industry pioneer and is developing the 126-acre Lakewood City, one of the finest townships set in lush green exotic surroundings with facilities and amenities including community centres, shopping complexes, schools, health clubs, recreational centres and commercial complexes, with easy access to the heart of South Delhi.
About Eros
Hotel - Managed by Hilton New Delhi/Nehru PlaceLocated in the
vicinity of the business, commercial and shopping district, and in
proximity to some of the city's prominent tourist attractions, Eros
Hotel - Managed by Hilton is a short walk from the Nehru Place Metro
Station. The hotel offers 218 guestrooms including 15
suites. Dining at the hotel encompasses an all-day dining
restaurant, two speciality restaurants, a lobby lounge, bar and a
pastry shop.
The 24-hour Business Centre at the hotel features three rooms
that can accommodate six to 10 guests. At 22,000-square feet, the
conference and banqueting facility at the hotel is among the largest in
the city and accommodates up to 1,000 guests. Recreational
options include an outdoor swimming pool, a fitness centre and a spa.
One of the most recognized names in the industry, Hilton Hotels & Resorts stands as the stylish, forward thinking global leader in hospitality. From inaugural balls and Hollywood award galas to business events and days to remember, Hilton is where the world makes history, closes the deal, toasts special occasions and gets away from it all. The flagship brand of Hilton Worldwide continues to build upon its legacy of innovation by developing products and services to meet the needs of tomorrow's savvy global travelers while more than 144,000 Team Members shape experiences in which every guest feels cared for, valued and respected. Today, the Hilton Hotels & Resorts portfolio includes more than 540 hotels in 78 countries and the brand remains synonymous with "hotel." Access the latest Hilton news at www.hiltonglobalmediacenter.com or begin your journey at www.hilton.com. Social media users can engage with Hilton at www.twitter.com/hiltononline, www.facebook.com/hilton and www.youtube.com/hilton. Hilton Hotels & Resorts is one of Hilton Worldwide's ten market-leading brands.
About Hilton
Hilton Worldwide is the leading global hospitality company, spanning the lodging sector from luxurious full-service hotels and resorts to extended-stay suites and mid-priced hotels. For 92 years, Hilton Worldwide has been offering business and leisure travelers the finest in accommodations, service, amenities and value. The company is dedicated to continuing its tradition of providing exceptional guest experiences across its global brands. Its brands are comprised of more than 3,750 hotels and 615,000 rooms in 84 countries and include Waldorf Astoria Hotels & Resorts, Conrad Hotels & Resorts, Hilton Hotels & Resorts, DoubleTree by Hilton, Embassy Suites Hotels, Hilton Garden Inn, Hampton Hotels, Homewood Suites by Hilton, Home2 Suites by Hilton and Hilton Grand Vacations. The company also manages the world-class guest reward program Hilton HHonors®


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Harrison, Tennessee Used Car Lots
Read reviews, get directions, and more by selecting a used car dealer below. You can also select a different city to search for buy here pay here car lots in surrounding areas near Harrison, Tennessee.
|☆ ACE Buy Here Pay Here ☆
Easy Online Approvals
Serving Harrison, Tennessee
Apply Today - Drive Today
|☆ Dixie Auto Truck Sales ☆
13209 Birchwood Pike
Harrison, Tennessee 37341
(423) 961-2197
|☆ Automax of Chattanooga ☆
5817 Highway 58
Harrison, Tennessee 37341
(423) 643-2886
|☆ Les Used Cars ☆
6221 Highway 58
Harrison, Tennessee 37341
Find buy here pay here and used car lots in Harrison, Tennessee. Images are for illustrative purposes. Not all dealers offer bhph.


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When choosing epoxy colour(s) for your project, please consider the following. When using solid colours, light colours generally provide a brighter, airier environment than dark colours. Multi-coloured floors are another way to make an area brighter and airier while still using dark coloured backgrounds. Multi-coloured floors hide more visual variations of the substrate than solid coloured floors. Normally, the higher the gloss the more intense the colour. Wheel marks and dirt naturally show up more on pale colours than on other choices. When selecting a base colour for multi-coloured applications, it is best to use colours that are not too light. Instead use lighter colours as accent colours to brighten the colour and the room. A.S. Epoxy Coatings will customize colours to the client's specifications.
Home | About Us | Employment | Contact Us | Site Map
Toronto Head Office: A.S. Epoxy Coatings 1585 Britannia Rd. E., Unit C8, Mississauga, ON L4W 2M4 Canada
24 Hour Emergency Hotline: 905-564-0226
Or Toll Free at 1-855-564-0226


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NCMS Boys Basketball Team Dominates Axtell
By: Jacob Heinen, Mo Hilbert, & Israel Padilla
January 22, 2018
The Nemaha Central Thunder Boys played the Axtell Eagles at home, on Monday January 8.
The B-team boys started the first quarter with Jacob Heinen tipping off, and NC gaining control of the ball. The Nemaha Central boys got off to a good start in the first quarter outscoring the Eagles 7-2. In the second quarter, the Thunder boys excelled increasing their score by 15 points while not allowing Axtell to score a basket. The Axtell Eagles couldn't keep up with the Thunder's offense. In the second half, the Eagles got their offense going and almost scored as many as the Thunder team. The score going into the fourth quarter was 31-9. In the fourth quarter the Thunder made some substitutions and the Eagles managed to outscore the Thunder boys 10-5. At the end of the game, NC kept the lead and won the game 36-19.
Cooper Hajek said, "The offense played great and our defense was alright."
The Nemaha Central boys A-team game got off to a strong start with NC winning the tip-off. The Thunder team had a great first quarter, scoring 18 points to the Eagles 7. The Thunder boys kept the offense going during the second quarter scoring 16 points, while only allowing the Eagles to score 4, making the score at half-time, 34-11 in favor of the Thunder. In the second half, the Thunder boys added another 14 points to their score in the third quarter. They allowed the Eagles only to score 5, making the third quarter score 48-16. Finally, in the fourth quarter, the Eagles managed to score 10 points. Although the Thunder, unfortunately, was unable to score any points in the last quarter, they still finished with a solid win, the final score was 48-26.
Blake Korber said, "We all came out energized and ended with Marcus Beck snapping the rim."


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- Join Date
- Sep 2017
- Posts
- 39
What to Eat for Healthier & Longer Hair!
No one can argue that what we put into your system shows on our skin, scalp, and overall health. That said, locations foods that are proven to generate our hair shinier, more time, beautiful, and radiating health and wellness.
1 . Avocados
The quintessential healthy foods. It is unbelievable what sort of round green shell can continue so much nutrition and health advantages locked inside it. They comprise healthy (unsaturated) fats along with omega-9 fatty acids that engage in a leading role in our emotive health and cognitive function. Decrease also shown that avocados help control blood sugar levels, overly. Of course , they also come stuffed full with vitamins Your, D, and E; that help keep our hair joyful. The next best thing is their olive oil that can be applied directly to the head of Virgin Human Hair and stimulate the production of elastin and collagen; both rather valuable to the filipino virgin hair bundle deals. Vehicle, you can use avocado oil upon your Remy hair extensions and give these products the shine and TLC many people deserve.
2 . Sweet Oranges
Much has been discussed latterly about the extraordinary benefits of sugary potatoes. Loaded with antioxidant B-Carotene, which our bodies convert in vitamin A, it is a worthwhile assistant to control blood sugar in addition to high pressure, as well for age reversing, good eyesight maintenance, in addition to, of course , great Human Hair Extensions. Consuming lovely potatoes help protect against the sun damage and encourage shg skin, healthy hair, and collagen growth.
3. Pumpkin Plant seeds
Despite their small sizing, pumpkin seeds are filled with iron, which is very important to the health of the virgin brazilian curly hair bundle deals. Actually many people suffering hair loss challenges have a lack of iron within their bodies. On to of that, pumpkin seeds are very high in omega-e fatty acids, vitamins A, Vitamin e, and K, and zinc. Studies have revealed that vitamin E boosts the blood flow to the scalp and enables our hair grow quicker. The exact same benefits can be obtained from sunflower seeds, too.
4. Green Leafy Veggies
Very little loved by the majority of people, adults and children alike, green leafy produce are excellent sources of iron, vitamin supplements A & C, folate, and B-Carotene that assistance us battle brittle hair. Therefore maybe we need to start feeding on spinach, broccoli, chard, arugula, swiss and all other greens when we want long, luscious march queen hair!
5. Hazelnut Butter
How do you15479 like your smoothie to become relatively rich in biotin? Hazelnut spread is a great source of Biotin, that is big news considering that B7 vitamins are behind the good or bad food digestion and also promote hair growth. A different way to add it to your diet regime is as a pancake multiply, but the sky is really the particular limit here. From pastries to cakes and all kinds of things in between, there are hundreds of hazelnut butter recipes you could try.
Word of advice: Besides contributing to peruvian bundles with closure bundle deals growth, these food types also help achieve a a tad bit more youthful-looking skin and powerful nails.
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Is actually any of these foods your favorite? What one are you thrilled to try and view the results? We always appreciate hearing your feedback but, you understand that already!
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Here a diet chart is given that what you have to eat to make your hairs healthy and longer, it is a dream of every girl to get long hairs. You may also read the custom essay writing services reviews about this given page then you will know how this page is.
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1. Eggs
2. Sunflower seeds
3. Sweet potatoes
4. Avocados
5. Hazelnut Butter
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Sweet Potatoes
Vegetables and fruits are very high in vitamins and minerals, which help us nourish our bodies and promote the growth of our hair. Sweet potatoes are truly the bomb.com. Their incredible sweetness matched with the antioxidant Beta Carotene that they possess (our bodies convert it into vitamin A) make this a special food that we should include more into our diet. Baked in the oven with some cinnamon and rosemary, or grilled on the pan with some tomato sauce and cumin, sweet potatoes will help you get stronger and healthier hair!


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Good news for Illinois in June, as the unemployment rate there dropped by the most in the nation, according to data released by the Bureau of Labor Statistics on Monday.
The 0.4 percentage point drop to 7.1% for Illinois also represented a 2.1 percentage point decline from the same period of 2013. Colorado, Rhode Island and Washington each had 0.3 percentage point drops, and California and New Jersey had 0.2 percentage point falls. Vermont had the only significant monthly rise, of 0.2 points to a still-outstanding 3.5%. The national unemployment rate was 6.1%.
The drop for Rhode Island put The Ocean State into a tie with Mississippi for the worst unemployment rate in the nation, at 7.9%. North Dakota enjoys the lowest rate at just 2.7%.
By number of jobs, Florida added the most on a monthly basis, with another 37,400 jobs in the Sunshine State, while West Virginia lost 9,100 positions. Year-over-year, Texas has added the most positions with 371,000 jobs.
-- Steve Goldstein
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House Speaker John Boehner (R-OH) acts more like a spoiled brat bully with the "if you don't do what I want, I'll get you" attitude resulting in retribution against those Republicans who voted "against a procedural rule that structured how a critical trade package was brought to the House floor last week." This surrounds the continued contention of the TPP through fast-track authority and the hold up because of the vote against TAA. Mind you, Boehner steered clear of actual action letting Majority Whip Steven Scalise (R-LA) do the dirty work, so far.
The same day Boehner chastised over three dozen Republicans for voting against the trade rule Scalise booted Reps. Cynthia Lummis from Wyoming, Steve Pearce from New Mexico, and Trent Franks from Arizona off the GOP's vote counting operation. His decision relied on longstanding whip team rules that require members "vote as a team on procedural matters" while remaining free to "vote against leadership on underlying legislation." Lummis, through a spokesperson, indicates she understands Scalise's decision, noting there would be repercussions for her vote.
"She understands his decision and departs the Whip organization with nothing but the utmost respect for Mr. Scalise and his entire organization," Lummis spokesman Joe Spiering said in an email. "Mr. Scalise was trying to include a wide variety of voices from the Republican conference on the Whip Team. Cynthia respected that and continues to respect the difficult job he has."
Trending: Hundreds of "Black Vest" Migrants Seize Terminal in Paris Airport: "France does not belong to the French!"
According to The Hill:
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The large number of GOP defections on Friday's rule vote nearly scuttled the trade package before it even reached the floor. Thirty-four Republicans, mostly conservatives, voted no, objecting to the way the package was put together.
The rule split the Senate-passed trade package into parts, including separate votes on a bill to aid workers displaced by trade and another to grant President Obama fast-track authority to complete major trade deals.
The fast-track bill, known as trade promotion authority, narrowly cleared the House on a bipartisan vote. But because of the rule, it will not be sent to Obama's desk because Democrats rallied to defeat the aid bill in order to derail the overall package.
Boehner's response scolded dissenting Republicans like the "whiny crybaby" he is. After a closed door meeting at the Capitol Hill Club with "rank and file" members, Boehner told reporters, "I made it clear to the members today I was not happy about it. You know, we're a team. And we've worked hard to get the majority; we've worked hard to stay the majority. And I expect our team to act like a team, and frankly, I made it pretty clear I wasn't very happy."
One of the 34 Republicans to vote against the rule, Rep. Raul Labrador (R-ID), stated that Boehner had not spoken to him about his vote. Labrador accused the GOP leadership of "catering too much to Democrats" at the expense of losing conservative support. He likened voting against the rule to "committing a capital crime" when it comes to the attitude of the leadership.
US citizens are not surprised with Boehner's attitude or "crybaby" speeches when he doesn't get his way. It is his modus operandi. Just as McConnell is Obama's Senate "witch" boy, Boehner functions as Obama's House "witch" boy. Boehner needs a "waa"ambulance with a box of hoop cheese to go with his whine. He and McConnell busy themselves with selling out the US citizens with every hare-brained scheme Obama concocts. Sometimes, the only way to "witch" slap Boehner is to break the rules at times.
One wonders where Boehner gets the idea there is some "team" when it comes to Republicans in the House. The GOP establishment ranks are filled with closet Democrats, progressive liberals, RINOs, communist/socialists, and neo-cons, with a few conservatives sprinkled in for flavor. It lacks a "team" flavor. Republicans refuse to come together to follow the Constitution, uphold their oaths, and stop the unilateral dictatorial illegal criminal actions of Obama. It boils down to one distinct thing -- vote how Boehner wants you to vote or suffer the consequences from one of his lackeys while he "whines" before the media.
Moreover, where does Boehner get the idea that any of them worked hard to stay in the majority? Boehner sells out to Democrats and Obama every chance he gets. He couldn't grow a spine if he got a transplant. McConnell vowed to "crush" the Tea Party in the last midterms. Working against the citizenry is not working to maintain a majority. Citizens voted Republican to oust the railroading perpetrated by Obama and the Democrats, not because the Republicans were doing so grand. Republicans turned around and shafted the citizenry. Those actions are conducive to "working hard to stay in the majority"—NOT!
Why do citizens in Ohio continually elect this man to serve in the House? We all know the answer to that one. However, worse still, these establishment morons re-elected him as Speaker of the House. A man who seeks retribution against those who do not go along with him and holds grudges possesses meager authority as a man. It speaks volumes about those in Washington.
Labrador stated it best when he said voting against the rules equates to committing a capital crime where leadership is concerned. Leadership forces representatives to vote "to get along" in order to remain on the team because of the rules. It sounds more like bribery to get a vote through on bad legislation instead of allowing a representative to vote freely. "If you don't vote along with us, then you are off the team. Nah, nah, nah, nah, nah, nah." In some cases, it resembles "Daddy Boehner will get you if you don't play nice."
The true capital crime rests with Boehner, McConnell, and Republicans who have violated their oaths of office, refused to follow the Constitution, and work to assist those who seek to "fundamentally transform America." The crime is treason and punishable by death.Don't forget to Like Freedom Outpost on Facebook, Google Plus, & Twitter. You can also get Freedom Outpost delivered to your Amazon Kindle device here.


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"Don" Ricardo Esteves
"Don" Ricardo Esteves is one of the most influential opinion leaders in Latin American business, social and cultural affairs. In winning the 2005 PODER-BCG Business Award for Contribution to the Latin American Agenda they cited "his ability to unite prominent figures from all walks of life, building networks and supporting one another in common struggles".
Mr. Esteves is the Co-Founder and Co-Chairman along with renowned Mexican writer Carlos Fuentes of the Foro Iberoamerica which is a yearly gathering of premier civil, social and business leaders from Latin America, Spain and Portugal to discuss issues and develop positions affecting the region. The Foro has 70 members including Carlos Slim, Former President Cesar Gaviria, Gustavo Cisneros, Maria Asunción Aramburuzabala, Manuel Arango, Jesús de Polanco and Joao Roberto Marinho.
He is a founding member of the Board of the Encuentro de Empresarios de America Latina (fathers & sons) together with Carlos Slim, Gustavo Cisneros, Julio Mario Santo Domingo and Joseph Safra. This is an annual gathering of the most prominent financial and industrial family groups in Latin America for both the fathers and children. Esteves is a Founding Member of CEAL (Consejo Empresario de America Latina) an organization very similar to the Business Roundtable in the United States.
He is currently a Director of IRSA Argentina's largest and most diversified real estate company whose shares are listed on the New York Stock Exchange. He is a member of several public and private sector Boards and has published many articles and received countless awards and recognition.


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19 Aug Technology is the Key for Financial Advisors to Grow Their Books
In today's blog, I want to continue our current conversation about how technology can change the way financial advisors do business for the better. If you haven't yet, take a look at our first blog article – an interview with Lester Tiro from Website Advisors. He discussed best practices on building your online presence and why it was so valuable. Part two, found here, discussed the value of process for becoming a top-performing financial advisor.
Originally, this blog was going to expand on part two, focusing on the technological trends that would help advisors build winning processes and grow their books of business. However, an amazing report came out earlier last week backed by PWC, a global accounting and consulting firm. The report was titled "Sink or Swim: Why Wealth Management Can't Afford to Miss the Digital Wave." If you have a chance, I highly suggest you read it. Due to this report, I decided it'd be worthwhile to turn this blog post into a two-parter. The first part, what you're reading right now, will focus on the threats to wealth managers that have been created by new technologies. Unfortunately, this post will have its fair share of doom and gloom. Whoops. Thankfully, the next blog in this series will focus on light at the end of the tunnel. That is, which technologies wealth managers will have to adopt in the short, medium, and long-term future to thrive.
Before we get started, let's talk just a little bit about the report. It is broken up thematically, much as these two blog posts will be, between the technological risks and the technological opportunities of wealth management over the next few years. To generate this report, PwC interviewed 1010 high net worth individuals (HNWIs) and 100 wealth managers. Now, before we get any further, please note that I will discuss some differences between HNWIs and middle class individuals, as well as the advisors dealing with both. In my opinion, anything said about HNWIs and wealth managers, in terms of risks facing them, is doubly true for financial advisors dealing with less affluent clients. I will explain my reasoning in detail at the bottom of the post, but for now, let's just set aside this objection to the results of the study!
Deconstructing the Report: The Problems in Wealth Management
So what did the PWC report tell us? Well, first off, high net worth individuals were very rarely net promoters. If you recall from our previous blog on the difference between your sales funnel and sales pipeline, a net promoter is a client who is willing to evangelize on your behalf and recommend you to others. Only 39% of HNWIs said they would recommend their wealth manager to a friend. In a business which relies entirely on relationships, less than four out of every ten individuals believe that their advisors provide enough value to merit a referral. In fact, only one-third of high net worth individuals were found to be very satisfied with their wealth managers, and 18% of clients under 45 were actively dissatisfied. Yikes!
Now, if clients had no other options, this lack of strong relationships would be bad but not disastrous. After all, even if you're not thrilled with your advisor, where will you go? However, with the advent of robo-advisors, this lack of optionality is going the way of the dodo. First generation robo-advisors such as Betterment, Wealthfront, and Wealthsimple are the forerunners of this market shift. Even though they currently focus only on basic ETFs and upfront risk assessment, they are still appealing to one-third of HNWIs who have never used robo-advisors before. And that number goes up to 47% of HNWIs under 45-years-old. Now, imagine a future where these platforms are using data to offer much more personalized financial plans and investment options. In a future such as this, is there any question that a much greater proportion of HNWIs will be willing to trade in their wealth advisors for robo-advisors?
Why are wealth managers struggling to build strong relationships with their clients? For one, this is not an issue of price sensitivity. HNWIs are happy to pay for the services of their advisors. In fact, 70% of the HNWIs surveyed were willing to pay for expert advice on financial matters, and 64% were willing to pay for expert advice on non-financial matters (e.g., related to life goals, how to get their kids into a certain private school, etc.). Likewise, time-savings was not a factor in the decision. Only 28% used a wealth manager to save time. That is, they are not working with wealth managers due to convenience, but because they value the service. This is an important distinction, because it means that all things being equal, HNWIs are happy with spending money on expert advice and believe it is valuable.
So if it isn't an issue of price and there is a fundamental belief in spending money for expertise, what is the problem? Where is the disconnect between what clients want and what wealth managers are offering? In a word: technology. In a few more words: wealth managers have underinvested in technology on the incorrect belief that their clients don't care. Yet, surveyed clients showed an incredibly high level of technological uptake, using technology over five hours per day on average. Likewise, 98% access the Internet on a daily basis, 85% use three or more digital devices every day, and 69% utilize mobile and / or online banking. When surveyed, just a touch under 60% of HNWIs (and significantly more in the under-45 category) said that it was important for wealth managers to have a strong digital offering. However, wealth managers have consistently ignored this, offering subpar services in the realm of technology. For example, only 25% of wealth managers connect with their clients over digital channels outside email and only one in ten wealth managers use social media. This is the large disconnect. Many wealth managers are only now investing in web portals for their clients. Overall, wealth managers have critically ignored the technology that their clients have become accustomed to across the board.
Overall, I will let conclude with this quote from the report speak for itself:
"Taking all these factors together, it is no longer tenable for the wealth management industry to suggest that their client base does not need or want digital functionality in the management of their assets. Digital and mobile services are now as normal and expected in HNWIs' lives as cars and phones. Firms that do not acknowledge this are now putting their business at risk."
The Key Insight: Technology is the Answer
What is the big value of technology for financial advisors? Well, consider this. For HNWIs, rapport was cited as the second most valued differentiator. Clients felt that this human touch was highly valuable. Those with lower touch-points were much more likely to want to try robo-advisors. High touch insulates! Yet high touch requires a few things. It requires serious organization and strong processes in place. It also requires multiple channels of interaction, from quick text messages to video chats and everything in between. Without technology, none of this is possible. Instead of omni-channel communications, you end up relying on the occasional time-consuming one-on-one meetings or emails that are just as often ignored as read. Instead of organized processes, you end up struggling to remember details about clients or what you promised to do after a meeting.
For example, consider streamlining back office administrative processes. By doing so, two things happen. First, wealth managers are better able to organize their books, allowing them to ensure clients don't slip through the cracks. They can be reminded of follow-up tasks, send out client birthday cards, and ensure consistent touch-points. Second, it allows wealth managers to reduce their time spent in the back-office. Instead, they can focus that saved time on client interactions, building more rapport and stronger relationships. Likewise, by digitizing their client-facing processes, financial advisors can increase touchpoints and interactions. Imagine a portal where your client could ping you to meet over a video chat easily when they have questions, or where you could easily schedule a follow-up meeting with them. Technology, used in such a manner, can augment financial advisors' strongest advantage – personal touch. Done right, digitized processes can give you more time to spend with your clients and more opportunities to reach them, strengthening your relationships.
Financial Advisors Not Dealing with HNWIs
Now, many of this blog's readers are not wealth managers dealing with a high net worth clientele. You are insurance advisors selling group benefits, or financial planners working with young professionals and middle class families. Why should you be concerned about the struggles wealth managers have with HNWIs? These are clients with millions of dollars in assets (though they are not considered part of the ultra high net worth group). They have different needs, wants, and opportunities compared to your clients. However, I would like to argue that this report is the canary in the financial advisor coal mine. If this situation is happening to wealth managers dealing with HNWIs, those of you dealing with less affluent clients are going to be feeling it even worse.
Well, a few reasons. First off, wealth managers servicing high net worth individuals have a higher level of resources to invest in their operations. That is, they can afford to hire more administrative help to streamline their operations. I'll give you an example. I was recently doing customer discovery with a wealth manager who deals with high net worth clients. His clients' median assets under management were around $2.5M. The firm he worked at employed three financial advisors and 14 administrative assistants. That is almost five administrative assistants for each advisor they had on staff.
Now, this firm did an incredible job with their clients. They had processes built in place to ensure consistent touch points. Client files were kept updated and accessible. Advisors had touch points scheduled months in advance. The administrators helped find up-sell / cross-sell opportunities, and, in general, left advisors to do what they did best: take meetings. The firm understood that they would need a high touch approach to keep clients happy, and it worked. From all the customer discovery I have done, as well as the PWC report, the level of sophistication this firm had was a definite outlier. And, again, it required five administrators for every advisor.
But think about that for a moment. If this firm was an outlier, then most wealth management firms are not getting this right. This failure is occurring even with their vast resources. And if that's the case, what hope does a financial advisor dealing with non-HNWIs have? A financial advisor with less resources (i.e., fewer or no assistants) has an even greater need for technology to help streamline and organize the back-office administration. After all, he or she simply cannot hire more assistants to pick up the slack when business gets, well, busy. Instead, what ends up suffering is the client experience as follow-ups are forgotten and old clients are ignored. Much of the inspiration behind Finaeo was the question of how we could mimic the work of five administrators for any given financial advisor through technology.
A second reason why financial advisors not dealing with high net worth individuals cannot ignore this report is in the nature of the client. As mentioned above, a HNWI and a middle class family will have vastly different priorities, opportunities, and needs. Arguably, one of the bigger differences revolves around price sensitivity. A small family worrying about their next emergency is going to be more price sensitive towards paying for expert advice than a high net worth individual. That is, both will likely pay for it if positioned correctly, but the former will be much more likely to leave as soon as they no longer find value in it. Recall that almost one-third of high net worth individuals are thinking about trying out robo-advisors. If that is the case, imagine what that number is for less affluent individuals. These are people with less money to spend and likely less complex financial matters. Again, this is not to say that non-HNWIs do not want expert advice as opposed to robo-advisors. It is to say that financial advisors dealing with them need to be on top of their game, as their clients are more likely to go to alternatives based purely on cost.
The Silver Lining: Rapport
Thankfully, there's no reason to suspect that rapport and relationship-building is any less important for non-HNWIs. Likely, it is of similar value. People like being heard, they like being helped, and they like having an expert guide them through big financial decisions. Rich or poor, if you're trying to write the map to reach your goals, you want a cartographer there with you.
Ultimately, if you are a financial advisor who is not dealing with high net wealth individuals, you need technology more than any wealth manager. You are disadvantaged both by lacking the resources to support administrative assistants and by clientele who are noticeably more price sensitive. This means that you must offer your client a much better experience than ever before. And the solution to that?
So stay tuned. Next week, we'll talk about how technology can help financial advisors win!
Think about the biggest challenges in your business. If you had a magic wand, which headache would you want to make go away? Take some time thinking this over – in the industry, we call this the wand question. It helps you drive down towards what your biggest pain point is. Sometimes, this pain point is something that is out of your control (e.g., I wish prospects would be more receptive to cold calls), but very often, it is actually completely controllable (e.g., I wish I was more organized with my clients and never forgot a follow-up touch point). If you have one of those controllable pain points, spend some time searching around for a technological solution to simplify it. Let me know what you find in the comments below, and, as always, please subscribe to the blog for future updates!