text:
This week I am pleased to present an inside look at CSI's Customer Service and Training Manager, Dennis Vincent. Many customers have met him in person for onsite training, but I thought it would be nice to provide some additional insight into the man who drives our training initiatives.
Rich Marcia: Dennis, I understand you just returned from a vacation in Ireland. Any customer service experiences to share?
Dennis Vincent: Rich, it was a true pleasure traveling through Ireland to see this wonderful country. My wife and I went for 2-weeks, using an escorted bus tour. As we traveled from place to place, and from hotel to hotel, I couldn't but notice that no matter where you go the differences in customer service stand out. We landed at Shannon Airport, and the Customs officials and the Customer Service desk were both staffed by wonderful folks. Our tour guide hails from Limerick, and throughout the entire tour, we were treated with tender loving care by an individual who loved his job, loved people, and loved his country. At different establishments and hotels, we were met with both excellent service and an example or two of poor service, depending on the individual you were dealing with. Interestingly, at the family owned establishments, service seemed excellent, while at the chain hotel we stayed at, service did not seem as caring or as friendly. Is this a coincidence or an indication of today's world? However, overall, what stood out to me the most is that the Irish people are a very friendly people who take great pride in their country.
Rich: Tell us a little about your background. What experiences contributed to making you a specialist in call center training?
Dennis: I actually went to college for teaching. During my career, I have been part of system development projects, in charge of call centers, with all of the hiring, firing, training, staff development, and people challenges associated with the job. I have also held positions dealing with agent compliance, ensuring that our agents were adhering to company rules and state and federal laws, and being part of disciplinary or court proceedings if necessary. I also traveled around the U.S opening up field offices.
Because of my prior background, I feel very fortunate to have the opportunity to travel around the country, introducing Virtual Observer to our new customers and providing on-site training in the use of the software, giving me a chance to meet our customers. I get a feel for their business needs, and help them learn how we can help them achieve business goals. It is a pleasure to get to feel like a "member of the team during my visits. I learn from my customers on each visit, and hopefully may have a unique insight for each customer based on my previous on-sites. There are many ways to "skin the cat".
Rich: Which onsite customer visit was your most memorable?
Dennis: Wow, what a tough question!! In our business, we are meeting with customer service folks. By nature, people in the customer service business usually like people (or they may be in the wrong business!) so I always feel that each visit is a memorable one. But, I specifically remember a trip to Denver, Colorado, and getting a wake up call at 5 AM from the airline telling me that my flight for that evening was canceled because of a pending blizzard. Being from New England, I didn't think much of it, until I went to the customer site and learned that they do not get that much snow in Denver, so it was a pretty special event. After training was completed that day, I returned to the hotel, and learned what customer service was all about. The hotel was taking in as many people as they could, allowing people to sleep in the lobby, opened up the bar for drinks on the house, and provided 8 buses the following morning to bring people to the airport!! What could have been a frustrating and difficult time for travelers was turned into a holiday celebration by some very thoughtful and creative customer service people. A lesson we can all learn, how to turn a difficult situation into a positive one.
Rich: You do travel quite a bit. What are some of your favorite destinations?
Dennis: As I travel around, I find many wonderful places everywhere I go. It is difficult to select as I have visited all of the 50 states.
- Colorado, with Denver and the beautiful Rockies
- Oregon, where I found the Medford area simply stunning
- Long Beach, California, with its beautiful harbor area
- Florida, which has Miami, Jacksonville (with St. Augustine near by), Tampa, which is near where my youngest daughter lives with her family
- Canada, where I have loved Montreal, Toronto and Edmonton
- Pennsylvania with our several customers in the Villanova and Pennsylvania Dutch area, and also my trip to Warren, on the other side of the state
- Nebraska, where I found that in the Lincoln and Omaha areas nothing sounds like it is spelled, but the steak is outstanding
- North Carolina, with the entire greater Charlotte area
- Georgia, where I found Athens a beautiful city. Also, I have had the privilege of visiting Hiawassee, in the Smokey Mountains of Georgia, and it is one of the most beautiful places I have ever been
- South Carolina, where Charlestown is one of my personal favorite cities
- Caribbean Ocean, where everyone should try their first cruise. Pick an Island, you will enjoy!
- Mexico, with the history of Mexico City and the beauty of the ocean near Acapulco
- Nevada, with Vegas and the Grand Canyon
- Italy, where my wife and I toured for our 30th anniversary, should be seen by everyone. The beauty, coupled with the history, is indescribable
- Ireland, where my wife and I just returned from, with its happy people and beautiful countryside, and if you like Guinness or Jameson, a must visit!
- New England, where I was born in New Hampshire and have lived in Connecticut for most of my years, is to me as beautiful as anywhere I go. I guess that is why I still live here after all these years. All New Englanders can be proud of Boston, the birthplace of Liberty
- My bucket list still includes a Mediterranean cruise, with Athens, Crete, Egypt and Jerusalem on the itinerary, Australia and South America. Also, I have never been to San Francisco, my wife's favorite city.
Rich: Which VO feature do you think is the most valuable to your customers?
Dennis: That varies customer by customer, depending what was in place prior to VO's arrival. In general, I would say that if screen capture is being introduced, it opens up many new avenues for review. With screen capture, the process flow can also be QA'd, along with the phone skills. Sometimes it is not the agent, but what an agent must go through to get the customer information that can be a source of delays, hold-times, etc., and changing flows can have a significant impact on performance. After that, our Live Desktop feature gives the Supervisor to monitor what agents are doing, whether they are on the phone or not.
RM: How are you going to be adapting "Speech Analytics" into your training programs?
Dennis: I am very excited with the introduction of VO's new Speech Analytics capabilities, and can't wait to see it in action. To be able to do phonetic parsing of calls, to analyze greetings, key words, closure, and even find strong terms such as "Cancel my subscription" etc., is going to be a huge help to our customers to help them find which calls they want to listen to.
Rich: Lastly, any new beverage discoveries in Ireland?
Dennis: For years I did not think I could drink Guinness Stout. Well, when you go to Ireland, you do what the Irish do. The first night, we were given our choice of Guinness Stout or Irish coffee. My wife had the coffee, I had the stout. I also like the draught, Smithwick's ale, Kilkenny ale and Murphy's Ale. My personal favorite, however, came in Dublin on the recommendation of our tour guide. It was a pleasant light ale called "Galway Hooker" and went excellent with my lamb.
This blog features many contact center industry news stories and also assembles tips for improving agent performance and customer experience, helping teams evolve into world class contact centers. It's an open forum for call center supervisors, agents, vendors and managers to contribute news, stories, anecdotes and other useful information with their peers. Industry vendors and analysts are encouraged to share client success stories.
Tuesday, October 05, 2010
Inside CSI: Everyone's favorite customer training manager
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text:
Policy 394: Faculty and Professional Staff Employment
Section: Personnel Policies
Sub-Section: Employment
Policy Number: 394
Subject: Faculty and Professional Staff Employment
Covered Employees: Faculty and Professional Employees
Origin Date: January 24, 1997
Revision Date(s): January 30, 2004
Effective Date: January 30, 2004
Download PDF File
Utah State University strives to employ highly qualified, competent faculty and professional staff employees while promoting equal opportunity and diversity.
Utah State University prohibits discrimination in employment based on race, color, religion, sex, national origin, age, disability, veteran's status, or sexual orientation. Utah State University is committed to hiring only United States citizens or aliens lawfully authorized to work in the United States.
Any questions regarding the hiring of faculty and professional staff should be directed to the Office of Human Resources (OHR) or the Affirmative Action/Equal Opportunity (AA/EO) Office.
For additional issues related to hiring of faculty, see policy 404.
2.1 Permission to Open Positions
A. When a department head/director determines a need to fill an open faculty or
professional (exempt) position, a Request to Fill Open Position form must be
- NOTE: If this is a new position, a New Position Request must also be completed and sent through appropriate channels for HR and budget purposes.
B. Request for a specific type of search should be based on departmental needs and
Affirmative Action (AA) requirements. Departments are encouraged to contact
OHR or the AA/EO Office to discuss the choices and requirements prior to
completing the form. Information about meeting affirmative action requirements
can be obtained through the dean/vp office, the HR Partners, or the AA/EO Office.
The types of searches to consider include:
- 6.2 waive normal search requirements in accordance with USU Policy Number 385 (Appointments of Opportunity);
- 6.3 promote from within the department when there is only one employee who is clearly qualified and there are no affirmative action goals for the specific job group or the action will meet the affirmative action goal;
- 6.4 search within the department when there are multiple qualified employees and there are no affirmative action goals for the specific job group or the action will meet the affirmative action goal;
- 6.5 search within the entire University community when it is felt there are sufficient qualified University employees to compete for the open position;
- 6.6 search based on the external search process.
C. After comment by AA/EO, the Request to Fill Open Position form will go to the
Provost's Office (for all positions relating to academic departments and Extension)
or Vice President for Business and Finance (for all positions relating to nonacademic
departments) for final approval. The form will be sent to OHR to:
- 1. Notify the department that the request has been approved.
- 2. Determine if an in-house job description exists for the position. If a job description does not exist, OHR will work with the department to develop an appropriate job description listing essential functions of the job.
- D. If a search is required to fill the position, the department head or director will appoint a search committee. This committee will be appointed in consultation with and approval of the dean or vice president. The Dean/VP is responsible for promoting ethnic and gender diversity on search committees. One person will be designated as chair for the committee.
2.2 Advertising the Position
- A. After the appointment of the search committee and before advertising is placed (i.e., Exempt Positions Advertising Request approved), the following MUST be accomplished:
- 1. An OHR representative will meet with the chair of the search committee
and/or an individual designated to provide administrative support to the
search. This hiring orientation includes instructions on the advertising and
hiring process. During the session, the OHR representative will:
- 306.9.1 review the job description for a listing of essential functions of the job;
- 306.9.2 present an orientation of the hiring process and respond to questions which might arise; and
- 306.9.3 provide a hiring packet containing hiring process information
which includes (but is not limited to):
- (1) a copy of "Procedures for the Employment of Faculty and Professional Staff;"
- (2) an Exempt Positions Advertising Request form;
- (3) Applicants AA Information cards ("green card");
- (4) an Applicants Selection/Nonselection form;
- (5) a Finalists Selection/Nonselection form; and
- (6) other forms and information as required.
- 2. A representative from the AA/EO Office must meet with the search
committee prior to submission of the Exempt Positions Advertising
Request form. This meeting will include, as a minimum:
- a. discussion of the unit's affirmative action status; assistance in developing proactive procedures to increase the diversity of the applicant pool (specifically women and minorities when there is underutilization) to reach unit goals;
- b. discussion of AA requirements relating to veterans and persons with disabilities;
- c. discussion of Equal Opportunity (EO) requirements and recommendations on conducting non-discriminatory searches; and
- d. reviewing the Advertising Request form and position announcement as it relates to AA and EO issues and providing recommendations to the committee to assist them in finalizing these documents.
- 1. An OHR representative will meet with the chair of the search committee and/or an individual designated to provide administrative support to the search. This hiring orientation includes instructions on the advertising and hiring process. During the session, the OHR representative will:
- 306 After the above meetings are completed, the chair of the search committee
completes the Exempt Positions Advertising Request form, finalizes the position
announcement and forwards the form with supporting documentation (the position
announcement as a minimum) through the department head/director and dean/vp for
their approval and then to the AA/EO Office for final review. The AA/EO Office
will forward the completed form to OHR.
The OHR is available to assist the search committee with the development and
placement of advertisements. The following guidelines are recommended:
- 3. The position be advertised for a minimum of 30 calendar days from the date it first appears in the source with the widest circulation (i.e., for national advertising, The Chronicle of Higher Education or other national-level publications). If unforseen circumstances warrant a shorter search, a memo explaining the circumstances and requesting such should be included with the Request to Fill Open Position form.
- 4. In order to seek a broad and diverse applicant pool, all faculty and professional positions will be advertised nationally.
- 5. A standardized advertising format, provided by the University, will be utilized wherever possible.
2.3 Search for and Review of Applicants
307 After an application is received, a letter of acknowledgment and the Applicant AA Information Card (with the name, job number and job title completed on the card), is sent to each applicant.
308 The committee screens each application according to the advertised criteria which is found on the full position announcement. This full position announcement is found, at a minimum, on the HR employment opportunities web site and should be referenced in all advertisements.
309 After the closing/review date specified in the advertisements, a list of finalists is developed. The names of all applicants are entered on the Applicants Selection/Nonselection form. Finalists are identified by entering "finalist" on the form. Those finalists to be interviewed on campus are identified by checking the "interview" column on the form. Reasons for nonselection, based on the advertised qualifications, are listed beside the names of those applicants not selected for further consideration.
AA/EO guidance suggests that at least three qualified candidates are identified as finalists to be interviewed. If the search fails to produce three qualified finalists, a memorandum must be forwarded with the Applicants Selection/Nonselection form (through the AA/EO Office to the Provost's Office) which details reasons why approval is sought to interview fewer than three finalists and outlining, at a minimum, the following:
- 1. Efforts to obtain a broad and diverse applicant pool (i.e., advertising, networking, etc.).
- 2. If applicant pool is small, provide rationale for this.
The forms and a copy of the curriculum vitae/resume of all finalists to be interviewed are given to the department head/director with the Applicants Selection/Nonselection form. A summary of the committee's recommendations may also be included.
The department head or director reviews the information and, if he/she approves, signs the form and forwards the information to the dean or vice president. The dean or vice president reviews the information and if he/she approves, signs the form, and forwards it, along with attached materials, to OHR.
NOTE: The signatures by the department head/director and dean/vice president indicates that: (1) they agree with the selections put forward by the search committee; (2) they agree that good faith efforts have been made to attract a diverse applicant pool when there is underutilization of women and/or minorities in the specific job group represented by the position; and (3) they agree that equal opportunity laws and regulations have been followed.
The OHR forwards the form to the AA/EO Office to check for compliance with AA/EO guidelines. The AA/EO Office resolves any concerns and then forwards the packet to the President or Provost's Office with a recommendation to approve or not approve.
NOTE: Interviews are not to be scheduled with finalists until the President/Provost's Office has approved the Applicants Selection/Nonselection form.
If the committee (or department head/director or dean/VP) decides at a later date that persons indicated as finalists but not interviewed now need to be interviewed, they may do so by forwarding a copy of the curriculum vitae/resume of the person(s) to be interviewed to OHR. OHR will then send the Applicants Selection/Nonselection form through the AA/EO Office to the Provost's Office for approval. If the person to be interviewed is a new applicant, a new Applicants Selection/Nonselection form must marked as an "Addendum" and processed as outlined above.
2.4 Arranging and Conducting Interviews
The President or Provost's Office reviews the Applicants Selection/Nonselection Form and associated materials, resolves concerns, authorizes interviews, and returns the packet to the Office of Human Resources.
Those applicants not selected as finalists should be notified in writing at this time. Interviews are scheduled, conducted, and the top finalists are determined.
2.5 Making an Employment Offer
Following approval of the department head and the dean/vice president, an offer may be extended to the selected candidate. (If the selected candidate declines the offer, an offer may be made to any of the other finalists.) The Finalist Selection/Nonselection Form is then completed, listing all finalists and giving specific reasons for those not offered the position. The candidate must be informed in writing that the offer is subject to approval by central administration. Certain administrative positions as defined by the Board of Trustees will be subject to their approval.
The form is then forwarded to the AA/EO Office and the President or Provost's Office for review. After review, the form is returned to the OHR.
2.6 Appointment Procedures
When the candidate accepts the preliminary offer, the Employment Action Form is prepared and forwarded to the dean or vice president. After the dean or vice president signs the form, it is forwarded to the Provost or Vice President for Business and Finance and then to the OHR. A copy is provided by OHR to the AA/EO Office.
For certain administrative positions, the President recommends the appointment to the Board of Trustees, who approve or disapprove the appointment.
After final approval, official notice of appointment is sent to the selected candidate by the President.
When the Employment Action Form has all required signatures, the hiring department will communicate to the candidate that his/her appointment has been approved.
Unsuccessful finalists must be notified by the search committee that the position has been filled.
2.7 Verifying Employment Eligibility (Completing an I-9 Form)
(1) All persons hired to work in the United States after November 6, 1986, must submit document(s) proving their identity and their eligibility to work in the U.S., as required by the Immigration Reform and Control Act of 1986. Any time after an offer of employment has been accepted, but before the end of the third day of employment, newly hired employees must complete a U. S. Department of Justice Form I-9 "Employment Eligibility Verification. This form is available through OHR.
(2) If the form is not completed by the third working day, the new employee will be paid for time spent on the job before being notified of noncompliance by the Office of Human Resources or the Student Employment Office and placed on leave-without-pay status until the I-9 is filled out. Leave-without-pay will be for an indefinite period of time during which the prospective employee may not work. The hiring department will take full responsibility for an I-9 application that has been accepted, but completed incorrectly and is responsible for paying any fines levied by the U.S. Immigration and Naturalization Service.
(3) If an alien employee is hired, but at a later time fails to maintain employment authorization (does not receive an extension of his/her visa within specified time limits), the employee will be placed on leave-without-pay status. For example, a J visa must be extended before the expiration date listed on the IAP-66 Form. An H visa will be adjudicated within 60 days of receipt of application by the U.S. Immigration and Naturalization Service, or interim employment authorization will be granted for up to 120 days.
3.1 Department Heads, Directors, Deans and Vice Presidents
Responsible for ensuring the hiring procedures are followed according to this policy and for coordinating all hiring procedures through OHR and AA/EO offices.
3.2 Office of Human Resources and Affirmative Action/Equal Opportunity Office
Responsible for ensuring that sound and equitable hiring practices are followed and providing administrative, equal opportunity, and affirmative action guidance during the search for a qualified candidate.

subset: commoncrawl


text:
Eastern Creek. Approval for $49m upgrade
The Minister for Planning, Tony Kelly has approved a $49 million concrete and asphalt production and recycling facility. The approval will also allow existing facilities to remain on Hanson's Eastern Creek site for the next three years, securing 147 current jobs and will create 64 new jobs while the upgrade is being implemented. A condition is the contribution up to $1.9 million for regional road infrastructure to be made progressively as the site is redeveloped. The Minister for Western Sydney, David Borger, said the concept plan would allow Hanson to modernise its existing facility, which offers essential concrete and construction material supply and recycling at a central location.
Labels: Hanson. Eastern Creek


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Red Alert at Haus Salon
Every woman my age that I know who watches Friday Night Lights wants to be Tami Taylor, the mother character played by the incredible Connie Britton. Including me. So I sent some photos of her to one of this year's Best of the Twin Cities winners, Mark DeBolt at Haus Salon, and told him I wanted to look like her.
His response? LOVELOVELOVE!
Well, OK then! His enthusiasm was contagious. I booked the appointment.
Things that I love about Haus, quickly: they take before-and-after photos so you can really get a good look at your transformation. And they keep them on file for the future when you can't quite remember the color or cut. Brilliant. Stationside iPads mean you can skip those heinous hairstyle magazines and go straight to the internet for the look you lust after. (I also perused Lady Gaga's shop at Barney's while my color processed.)
Once I sat in the chair, Mark encouraged me to take Britton's strawberry blonde locks a step further. My policy when I see a stylist—or any expert, for that matter—is to let them do their jobs. I've found that if I micromanage, or suggest something, I might not be taking into account my hair type or color or condition...or skin tone or face shape...there are a million variables. That's what the stylist is there for. And since Mark was one of my Bests picks this year, I figured, I'd better follow my own advice, even if I wasn't planning on being brilliantly scarlet when the idea began.
I purposely came in with unwashed hair (I hear stylists like it that way and color takes better) and I did not do anything with it before I came in. So ... a true before photo—to prove I believe in the "before shot"—of yours truly:
And a few hours later (all-over dye, balayage, gloss), I came out looking like this:
I am beyond thrilled with the results. I emailed my photos to a friend who's known me forever and she said that she can't even remember what I looked like blonde. And a new acquaintance thought it was my natural color, bless her heart. My hair feels healthy and smooth, not at all damaged. I'll be sticking to flame hair for a while. Mark is truly the patron saint to a special tribe of redheads here in the Twin Cities.


text:
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text:
Body Odor is caused when the sweat glands release certain chemicals that have odorous properties. Different areas of the body and different types of sweat glands are prone to giving off different odors. The odor we usually think of when ...Read More »
Category Archives: Health & FitnessFeed Subscription
10 Tips For A Lean Body
Whether you are training to better your athletic performance or just looking to slim down, acquiring lean muscles mass is a struggle for many of us. It would be nice if the BigMac could provide the right nutrition to attain ...Read More »


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Back in the '80s, Melrose was the sartorial epicenter of the city's punk scene—a legacy that's being carried on today by Posers. Here, you'll find just about every style of Dr. Martens combat boots and TUK creepers imaginable, along with iconic Brit brands Fred Perry, Merc and Ben Sherman (all hallmarks of '60s mod culture that have survived to the present day). And don't let the store's tough exterior scare you off—locals agree that Posers' friendly service is one of the best things about it.
|Venue name:
7417 Melrose Ave
Los Angeles
|Opening hours:
|Mon-Sat 11am-7pm; Sun noon-7pm
|Do you own this business?
Average User Rating
1 / 5
Rating Breakdown
- 5 star:0
- 4 star:0
- 3 star:0
- 2 star:0
- 1 star:1
They Called my 6 yr old son ((((("A MEXICAN BASTARD THIEF")))))))
Avoid Avoid Avoid these people at any cost. They are such mean, deceitful racists. So last Sunday me and my husband and my 6 yr old son decided to visit Melrose. As we were walking down the street we happen to pass by a Dr. Martens store (Posers)! The sign immediately reminded me of my teenage era and we decided to take a look inside. We greeted by heavy tall guy with blond hair. Then an older women showed up from the back. They insisted that we try something to the point of bugging. In that few minutes me and my son were looking at the boots (we just did not want to try something) and my husband was standing at one corner it is such a small crappy store. We did not ask to try to anything and said thanks and were about to leave that the heavy guy and the old women exchanged some words (in Persian) and looked at my son. All of thee sudden I was my husband turned red and got mad! My husband is Persian and understood what they had said. They had said "check to see if the little MEXICAN BASTARD stole some shoelaces"!!!!!!!!!
We got really mad, they had accused my 6 yr old of stealing and they had been racist!!!! We got really mad and exchanged some words with them. The old women that I just found her name is "Yafa" showed us finger and kept bad mouthing us. They did not even apologize!!!
We left the store since they were yelling and cursing non-stop. PLEASE PLEASE STOP SUPPORTING RACISTS. MY FELLOW MEXICANS PLEASE STOP THESE RACIST PEOPLE. PLEASE LET OTHERS KNOW.


text:
An earlier version of this story gave incorrect figures for past auction statistics. The story has been corrected.
NEW YORK (MarketWatch) — Treasury prices declined on Tuesday, giving back some of the prior session's gains and pushing yields up from their lowest levels in almost three months, after the government finished its second of three major auctions this week.
Bonds had been under pressure following a report that showed U.S. housing starts jumped in November, far more than analysts expected, spurring stocks and commodities higher.
"Risk sentiment appears to have turned more positive for now," said George Goncalves, a bond strategist at Nomura Securities.
Yields on 10-year notes TMUBMUSD10Y, +0.00% which move inversely to prices, rose 10 basis points to 1.92%. A basis point is one one-hundredth of a percentage point. On Monday, the benchmark security's yield closed at its lowest level since early October.
Thirty-year-bond yields TMUBMUSD30Y, +0.00% increased 12 basis points to 2.93%.
Yields on 2-year notes TMUBMUSD02Y, +0.00% added 2 basis points to 0.27%.
The Treasury Department sold $35 billion in 5-year notes at a yield of 0.88%, the lowest level on record.
"The rate levels are lousy for auction buyers given that we're still near the rich end of the 0.75% to 1.20% rate range in 5-year yields in place since early August," RBS Securities analysts wrote in a note before the auction.
But investors looking for a place to "park their cash" while getting a little higher yield are willing to buy debt maturing in more than 2 years, Goncalves said.
Bidders offered to buy 2.86 times the amount of debt sold, compared to an average of 2.95 times at the last four monthly sales of 5-year notes, according to CRT Capital Group. See Treasury auction results.
Indirect bidders, a group that includes foreign central banks, bought 50.6%, the highest proportion since August 2010 and above the average of 45.7% of recent sales.
Direct bidders, a group which includes domestic money managers, purchased another 9.1%, versus an average of 11.9%.
A higher proportion of an auction going to indirect and direct bidders is considered a positive because those types of buyers tend to hold the debt longer.
The majority of the rest of the auction tends to go to primary dealers, which often turn around and sell the newest debt, pressuring prices lower.
Back to 1987
for stocks?
Our Trading Deck has been home to a spirited debate over whether we're in for a crash.
• L.A. Little: Don't worry | Michael Gayed: Worry
• The warning signs of a 1987-style crash
• Hulbert: Stocks as overvalued as at 2007 high
On Monday, the government received tepid interest for its sale of $35 billion in 2-year notes. Read about Treasury prices, 2-year auction.
The U.S. will finish its note auctions for the year with a sale of 7-year debt TMUBMUSD07Y, +0.00% on Wednesday.
U.S. , European data
Bonds came under pressure in morning trading after the Commerce Department said new construction of U.S. houses rose 9.3% in November to the highest annual rate since April 2010, led by multi-family activity. Housing starts
U.S. stocks extended gains after the report, with the Dow Jones Industrial Average DJIA, +1.74% climbing more than 300 points to 12,000. Read about U.S. stocks.
Treasurys were under pressure earlier, as investors felt more comfortable shifting back into stocks and commodities as the outlook in Europe brightened. Germany's Ifo business-climate index for December climbed and Spain successfully auctioned more debt than intended at lower borrowing costs. European stocks, Spain's debt auction
"We are still a long way from a fix to Europe's problems, but any ease in funding pressures among member economies is certainly a welcome development," said Kevin Giddis, president of Morgan Keegan's fixed income capital markets.
Longer-term, yields are likely to head lower as Europe struggles to keep its sovereign-debt problems from causing banks to dump their debt holdings.
"We're in the midst of another wave of deleveraging, precipitated by the problems in the euro zone and Europe's banking problems," said James Camp, managing director of fixed income at Eagle Asset Management, which oversees $19.5 billion in assets. "We're keeping a pretty good allocation to Treasurys."
He expects 10-year yields to fall to 1.50% sometime next year.
Analysts also noted that as trading volumes decline into the holidays, the Federal Reserve's sales and purchases could be a larger influence on the market intra-day.
Providing critical information for the U.S. trading day. Subscribe to MarketWatch's free Need to Know newsletter. Sign up here.


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Just by
your interest in Pineville Volunteer Fire Department you
have already begun the process to become a member of our
organization. We have a very active membership and we offer
many services to our community. These services range from
tours and demonstrations throughout Pineville itself to
providing responses for all EMS and Fire related calls
within the Town of Pineville and surrounding areas. We have
a very diverse response territory and because of this we
remain busy throughout the year. Membership is vital for the
safety and well-being of our community, so we are always
excited when someone cares to show interest in assisting
with our mission. As you complete and review the following
material we would like to welcome you to Pineville Volunteer
Fire Department.
As you can see with this packet we would like to know more
about you. We also would like to provide you with the
necessary information you need to be the kind of member you
want to be. In Pineville Volunteer Fire Department it is
very true that you get out what you put into it. We hope
that we can assist you as best we can.
This is what we would like from you:
· Complete and return the application for membership.
· Sign and return the Drug Testing Policy.
· Provide a copy of your Driver's License.
· Sign and return the Medical Release Form.
· Provide 3 references.
When completed
please return and place in Chief Griffin's mailbox,
or mail to:
Chief Bill Griffin
Pineville Volunteer Fire Department
P.O. Box 574
Pineville, NC 28134
You can contact us at: 704-889-7575
Any question or comments
about The Pineville Fire Department or this Web Site,
please email
Chief Bill Griffin or
Walter Broadhurst.
For information about
Community Service, Public Relations or Fire Education Events
please contact us at
Emergencies Dial 911
704-889-7575 - Address: 108 Church St,
Pineville, NC 28134
All material Copyright © The Pineville Fire Department.


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|You can get a 10% discount at KKCENTERHK when you use the code 'ithinitybeauty'
'Swimming Lesson's ' With N.Nail's Orange Duck And Chicken Water Decals
13 comments
It is so cute!ReplyDelete
amazing ! so cute water decals !ReplyDelete
The water decals are so cute! I ordered decals for myself and can't wait to try them.ReplyDelete
Cuteness overload!ReplyDelete
so sweet, so lovely!ReplyDelete
the ducks are really cute! i really like the water you did and the subtle dots in the background :)ReplyDelete
So cute! I love the design you made with them and thanks for making me laugh - I liked reading that you love the little chickens because they have a fluffy butt ;) Also really great that they have a little gold detail on their wings!ReplyDelete
So cuteeeeee ^_^ReplyDelete
this is adorable!ReplyDelete
Super cute! I think I need to give decals another try xxReplyDelete
This is just so darn adorable :)ReplyDelete
Cute ducks :)ReplyDelete
These are really cute! I love the addition of the Ozotic polish polka dots, they look just like soap bubbles :)ReplyDelete
♥Thank you so much for visiting today. I always love to read your thoughts and comments so don't be a stranger, come join in!


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Love Relationship Problems Pt. Pyare Lal ji is gives you love relationship problems solution. In this society we can see that every person has relationship problems which they are facing in their life. People are so worried about their relationship problems. It comes with the little mistakes, issues, and more misunderstanding. Which is the most important base of any relationship of this world. The very way in which lovers react when their relationship will have a problem or something wrong between them, it is usually a stumbling block. Manifestation of your feelings in love relationship is best solution to make it very strong. Astrology solution of love problems is a best idea to solve your trouble because you do not to need meet him and by regularly online conversation with him you can find the solution of the trouble.
Specialist astrologer behind the love problem need name of you partner whom with you want to resolve disputes. Love is incredibly miraculous power that can help us overcome the limitations of our ego; we have created the conditions for such a therapeutic intervention that our relationship is sought. Very often it is unconsciously trying to restore the relationship in the form in which it was before the onset of the problem. They turn to the past and try to restore. We know, however, that bringing the love and situation in the same way it was before is somewhere hard or sometimes it is impossible. After marriage there is no chance to get back your love in your life so take the suggestion from love marriage problem specialist is the superlative approach for the happy future.
Love Relationship Problems Because life is not a cakewalk, little hurdles always comes in life, but fear is not the option of them, love marriage problem solution is the answer of all them. In the guidance of love marriage problem specialist you can take the breadth with your dream partner. But here is the love relationship problems specialist pandit ji will be help you. All things are possible by pandit ji. He gives you relationship solutions and rituals which gives sweetness in your love relationship. A good relationship is the base of the successful life and love also. Pandit ji will be help you to solve your all love relationship problems which you are facing in your relationship.
Love Relationship Problems He gives you vashikaran and astrological help which is the best solution of your problems. Pandit is the master in to solve all kinds of relationship problems. Which we are see in this world. Whatever, love relationship, family relationship, with friends and relatives. With the help of vashikaran and other rituals we can be solve. If you are facing relationship problems in your relationship then you can consult to the pandit ji and get all the solutions which are the possible to remove relationship problems from life. Our service is always ready to serve you the best service of world which can help you to solve your problems.
After my marriage in a join family it was all good, until some misunderstandings and problems started of which there were issues that was serious. So, I found Astrologer Pyare lal ji contact number and talked about it. Since his help and solution there is peace and happiness back. I am blessed and grateful for your advice and help. I am forever thankful to you. Astrologer Pyare lal ji
- Kirandeep Kaur ( Punjab )
Me and my wife were always a happy couple until recently we found out that we could not have any children. My wife is always sad and in tears. It pained me to see her like this, so I contacted Astrologer Pyare lal ji and he offered us the perfect solution for it. Today we are proud parents to twin baby boys. I am most humbly grateful to Astrologer Pyare lal ji for his grace and blessing.
- Rahul Sharma ( Mumbai )
I have always loved a girl in my neighborhood and she also liked me but was in a always disturbed by another guy. So I asked pandit ji for his help in making me to meet the girl of my dreams. Now we are happily in a relationship and look forward to get married soon. It is all because of his blessings and patience.
- Suresh Kumar ( Delhi )
Astrologer Pyare lal ji has been a boon in my life. I met him when I was suffering from a difficult time at work with no progress. Today through his services I am in one of the highest level in my office and troubles are gone. I am forever grateful to his service in guiding me and making me successful.
- Ashley Graham ( USA )
Vashikaran specialist in India is the best Vashikaran service by astrologer Pandit Pyare Lal Tantrik Ji. He is the expert in Vashikaran. He is the top Vashikaran specialist in all over world. He is the famous Vashikaran specialist.
Vashikaran is the part of astrology. Vashikaran is most useful then astrology. Vashikaran is the most powerful art of the world. Most of the powerful Vashikaran is love Vashikaran. By love Vashikaran you can get love or lost love get back I life. If anyone in love and he/ she want to feel him/her then it is the most useful art of feeling of love. If anyone faces problems in love then it is easy way that you can solve all your problems by love Vashikaran.
Vashikaran is like a control on someone body, emotion, feelings, and mind. When one is under Vashikaran then is like puppets because who is using Vashikaran mantra he / she whatever they want to move they can move him /her. Our Vashikaran specialist has so many solutions and he can move all the Vashikaran and he can do all the Vashikaran tricks.
Love marriage specialist in India, pandit Pyare Lal Tantrik. He is the love marriage specialist of the world. He has all the solution of love marriage. He is an expert in love marriage that is reason that he is the love marriage specialist.
In the whole love marriages are common thing that 80% people like love marriage. But in our society is not allow for love marriage, in fact they think that after love marriage they face so problems. We can see in every second so love marriage case in world. Those are in love they face so many problems relate to love marriage, love, and family, inter caste marriage.
Black magic spell is the effective powerful cure to enhance your endurance in love because if you are getting conflicts then endurance power can stop this fight on healthier side. Black magic spell is the powerful sorcery that is performed with more alertness and carefully. Black magic if is someone doing for his personal use without keeping in mind the wrong intention then effect of black magic would be beneficial for you.Black magic is a popular word, which is named with the tag of "Kala Jadoo". It is also referred to as the supernatural power which is generally used for selfish and jealous purposes. A person who is captured in this magic will not do anything right. Soon their problems will be converted in to the uncontrollable problems. Their problems will be solved by only one person called as the Black Magic Specialist Astrologer.
Pt. Pyare lal good love spells specialist in India, Our top rated love services famous in everywhere. If someone loves a girl/boy a lot of from heart, also carrying each other in every circumstance then he/she wants to get true love. After listening your love problem, that is real and not harming for anybody then we can help you get your lover.
Because are expert of love spell casters, our services is uses by many people and now they are playing a very good life with his life partner this spells can be applied on husband or wife to keep carrying for love to each other, because we know in modern decade a time is very less for love, so they are not able to give proper time their life partner and their marriage life goes for disappointed.
Horoscope specialist medium our association is proud to offer services specialist astrologer horoscope to our valued customers. The horoscope is a sky chart showing the relative position of the planets and signs of the zodiac, for use in calculating births, the prognosis is a personal life events, etc. We offer some accurate predictions based on your horoscope prepared with the help day, date, time, place and country of birth. The role of accuracy is very significant. In this case we will try to forecast the outlook, closed education, I use the progress of the race, New vehicle, romance travel, aliens, honor, award , reward, victory in changing the place and profession, etc.


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Getting divorced in Montana is a life-changing experience, with two spouses having to undo their ties and learn how to move on with their own individual lives. The process can understandably be overwhelming both emotionally and financially. Divorce has a few effects in particular that have to do with taxes and the family home.
One of the effects of divorce is that it forces two spouses to have to change their tax filing statuses. However, it also enables them to get remarried. Still, divorce cuts off their rights to inherit from one another, and it can also change how their marital home is owned if they owned the home together during their marriage.
When it comes to deciding how the marital home and other assets are handled in divorce, spouses may choose to settle their divorce matters through mediation instead of litigation. After all, going to trial can be financially costly as well as emotionally draining. In addition, litigation may result in an unwanted outcome.
With mediation, however, both spouses can feel more in control of their divorce proceeding and strive for a divorce settlement that is mutually beneficial. A trained mediator can help them to sort out their issues but will not make financial decisions for them as a judge would at a divorce trial. The benefit of reaching a settlement through mediation, with the help of an attorney in Montana, is that it is usually faster than going to trial, provides certainty and helps to eradicate much of the acrimony that a full trial usually evokes.
Source: journalnow.com, "Understand the basics of separation and divorce", Sept. 28, 2017


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Welcome To 90210 Surgery Medical Center
Unparalleled Patient Safety
When it comes to your surgical care, selecting the best facility may be as important as selecting the best doctor. Our mission at 90210 Surgery Medical Center is to deliver to you the highest quality in outpatient surgical care and procedural services within a nurturing and supportive atmosphere. We have unparalleled patient safety as a result of an infection free policy. We are the only local facility (among all outpatient surgery centers and hospitals) that does not permit the performance of any procedures the may introduce dangerous bacteria into our facility. These are procedures that are classified as "dirty" or "contaminated" such as colonoscopy, endoscopy, colorectal operations. As our patient, you can be assured of our commitment to uphold our unprecedented record, free of surgical site infections.
Superior Technology
Our state-of-the-are facility is equipped with the highest caliber equipment, typically more advanced than other facilities and hospitals. We use real-time high definition imaging camera, the latest in laser systems, and the best available implantable devices on the market. In fact, many of our technologies and implants are not available at other facilities and hospitals. As a result, the patient receives the best that technology has to offer in addition to the expertise of their chosen physician.
Quality Care
We hold ourselves to the highest standards in providing patient care and this is evident in our choices of selected surgeons. Our doctors are national leaders in their field and are often world-renowned. We boast the highest ratio of fellowship-trained surgeons of any facility and 100% are Board-Certified in their specialty. Many are the pioneers and inventors of the most advanced techniques and lead FDA-supervised clinical evaluations of newest technologies not yet available to patients at other centers. Our surgeons have trained thousands of others in the delivery of advanced surgical care. Had our center not been designed, built, owned and governed by such an amazing group of surgeons, it should not be possible to deliver such a refined level of care. It is not surprising that other surgeons turn to our group when its time of their own operation. Underscoring our core philosophy that "it is all about the patient.,", we provide the highest level of nursing care before and after your operation. We maintain a high ratio of skilled nurses and surgical technicians for each patient, which is rarely met at any other facility or hospital. Our goal is to ensure our patients the greatest comfort and safety. Underscoring our core philosophy that "it is all about the patient," we provide the highest level of nursing care before and after the operation. We maintain a high ratio of skilled nurses and technicians for each patient, which is rarely met at nay other facility or hospital. Our goal is to ensure our patients the greatest comfort and safety.


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Welcome to the official Iver Pictures website!
Chapel goes to New York City
Chapel's headed to New York and New Jersey this month to work on the finale of season one! We're very fortunate to have a number of friends who reside in the area who will be lending their various talents to help make the episode especially spectacular (not to mention wicked scenic).
Don't fret, though - there are still three episodes yet to air in this season. We're just jumping a bit ahead of ourselves in terms of production schedule because, c'mon, what's better than a big, crowded city in the dead heat of summer? That's right, nothing.
So keep your eyes peeled for "Handcuffed" at the end of the month, followed by "Inked" in September, and then the NJ/NYC finale in October!
And if you want in on some inside dirt, just because we're taking a few months off this winter between seasons doesn't mean there won't be any new Chapel-related content for you to enjoy. We've got a few weird and wonderful ideas up our sleeves to keep the end of the year interesting for everyone.
Behind-the-scenes with Chapel
Rob and "Chapel" star Emily Mills sat down recently to grill each other about their web series (and the seemingly millions of pop culture references and allusions Rob manages to insert into it). The first two installments of the interview are live now, but check back regularly for more!
Chapel: Episode 5, "Guilted" - online now!
The newest episode of Chapel: The Series is online now! "Guilted" comes to you in three parts:


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|Ensign Lynch
|Original Name:
|Timothy Lynch
|Assimilation Date:
|Seperation Date:
|2063 (Deceased)
Type of Drone: Invasive Drone
Enhancements/Augmentations: Cortical Implant, Neural transceiver, Neural processor, Exo-Plating, Eyepiece.
Ensign Timothy Lynch was a Starfleet officer serving in the USS Enterprise-E's security department.
In 2063, the Borg infiltrated the Enterprise and attempted to take over the ship after their sphere was destroyed. Lynch was assimilated by the Borg when he was confronting them.
After the assimilation, he was assigned to circumvent the defensive shielding of the Enterprise. When he was analyzing the installations outside the holosuite, Lynch was attacked by Jean-Luc Picard. Determining Picard as a threat by the hive mind, Lynch attempted to assimilate Picard and followed him to the holosuite. Lynch was shot and killed by a holographic tommy gun (with holographic safety protocols disabled) .
- Analyze defensive shielding of enemy vessels and installations.
- Circumvent.
Knowledge Gained
Programming; security; transporters


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Star Cops: Mother Earth Part 1 Starring: David Calder, Trevor Cooper, Linda Newton, Rakhee Thakrar, Philip Olivier and Nimmy March Director: Helen Goldwyn Writers: Andrew Smith, Ian Potter, Christopher Hatherall and Guy Adams Screen on I knew of Star Cops but for the longest time, I had never seen it. Then I watched it as … Continue reading Review – Star Cops: Mother Earth Part 1
Review – Star Cops: Mother Earth Part 1
Dave's 100 Greatest Films – 92. Pitch Black
92 - Pitch Black Starring - Vin Diesel, Radha Mitchell, Cole Hauser and Keith David Director - David Twohy Screenplay - Jim Wheat, Jen Wheat and David Twohy It's inarguable that a lot of Pitch Black is derivative. The alien force of nature that can't be reasoned with, the mismatched band of shipwrecked people … Continue reading Dave's 100 Greatest Films – 92. Pitch Black
Dave's 100 Greatest Films – 93. Bad Boys
93 - Bad Boys (1995) Starring: Will Smith, Martin Lawrence, Tea Leoni, Tchéky Karyo, Teresa Randall and Joe Pantoliano Director: Michael Bay Screenplay: Michael Barrie, Jim Mulholland, Doug Richardson Michael Bay is not the most popular figure in modern cinema. To many he is the boogeyman of blockbuster film making. He has become the byword … Continue reading Dave's 100 Greatest Films – 93. Bad Boys
Dave's 100 Greatest Films – 94. Carry On Sergeant
94 - Carry On Sergeant Starring - William Hartnell, Bob Monkhouse, Shirley Eaton, Eric Barker, Dora Bryan and Kenneth Connor Director - Gerald Thomas Screenplay - Norman Hudis While being the first of what would become known as the Carry On… films Carry On Sergeant only bears superficial resemblance to what the series would … Continue reading Dave's 100 Greatest Films – 94. Carry On Sergeant
Planetfall Series Moves to Gollancz
Emma Newman's acclaimed Planetfall series has found a new home with Gollancz. The series currently comprises two books, Planetfall and the Clarke Award nominated After Atlas and now Gollancz will be publishing a third book entitled Before Mars. Emma said: "I am so delighted that Gollancz will be my UK publisher for my science-fiction novels. I've always admired them, as … Continue reading Planetfall Series Moves to Gollancz
Star Trek: Discovery – Choose Your Pain
The central theme of Choose Your Pain is how people approach the suffering of others in different ways depending on circumstance. For some it is unacceptable under any circumstances and for others it is distasteful be necessary. Burnham is having guilt dreams due to the suffering of the tardigrade which is starting to show the … Continue reading Star Trek: Discovery – Choose Your Pain
Star Trek: Discovery – The Butcher's Knife Cares Not For the Lamb's Cry
While the title of episode 4 of Star Trek: Discovery may seem a little unwieldy and pretentious it does actually get to the heart of what the episode is about. Where does the line come between empathy and detachment? My question at the end of the last review (how long until Burnham finds Captain Lorca's … Continue reading Star Trek: Discovery – The Butcher's Knife Cares Not For the Lamb's Cry
Star Trek: Discovery – Context is for Kings
The third episode of Star Trek: Discovery sets up the titular starship and it's crew. Michael Burnham is being transported along with some other prisoners but there is a problem mid-flight. Their shuttle is rescued by the USS Discovery captained by the enigmatic Gabriel Lorca. Lorca tells Burnham that she is going to earn her … Continue reading Star Trek: Discovery – Context is for Kings
Review – Blade Runner 2049
Spoilers Ahead Blade Runner 2049 is a sequel that no one was clamouring for and when it was announced the collective groan was deafening. Ridley Scott's involvement at a Producer level didn't do much to inspire confidence either after the double whammy of franchise fumbles that were Prometheus and Alien Covenant. The only glimmer of … Continue reading Review – Blade Runner 2049
TV Review – Star Trek: Discovery. The Vulcan Hello and Battle at the Binary Stars
I decided to review both these episodes together as pretty much everyone will have watched them back to back. This is a big return for Star Trek, the first TV show in 12 years, and the landscape of television has changed dramatically in the intervening time. Viewers have embraced serial storytelling rather than episodic TV. … Continue reading TV Review – Star Trek: Discovery. The Vulcan Hello and Battle at the Binary Stars


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I have created my forms successfully, uploaded them through my website and everything was working perfectly including customers submitting them to me ok. now all that appears through all the links are blank web pages. When i go into MY FORMS and try to SHARE or PREVIEW I get an error message that states it cannot be saved.
- JotForm FounderaytekinAnswered on August 31, 2010 at 01:55 AM
One of our servers had an hard disk failure. Since it wasn't down completely and only giving errors occasionally, we did not catch this one immediately. We are now looking into the problem.
JotForm should work fully now since other servers has taken over the load. You should not see any errors any more.


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Layout, assembly work and image manipulations are done on Power Macs & Latest Windows PC work stations. If required, digital color proofs are prepared and sent for client approval before the final prints are taken.


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You've worked hard, and you're hoping to have a big retirement nest egg to show for it. But have you selected the right super? Kerryn Ramsey reviews the current options—and recent changes.
Most financial advisers don't have to run a restaurant, yet restaurateurs need to choose and manage their own superannuation funds. Control and flexibility have become crucial issues in the super field, particularly after the sweeping changes that were released at last year's Federal Budget and come into effect on 1 July this year. According to Treasurer Peter Costello, the reforms should make superannuation simpler with more tax-free benefits. So easy, in fact, he coined it 'Simpler Super.'
Despite the claims, sorting out super is as intricate as creating a full degustation menu. The right ingredients, serious research and a bold outlook are needed—and that's the same for choosing a super fund. With options such as self-managed superannuation funds, industry funds and retail funds that include wrap funds and master trusts, it's easy to get confused.
Simplification of super
Australians need to start saving for retirement much earlier—this has been Costello's main message for years. From 1 July 2005, employers were required to offer a choice of super funds to their eligible employees. From 1 July this year, this role will be enforced.
Last summer, InTAX magazine's superannuation writer Stuart Jones described the new super package as a "powerful combination for small business owners." In a case study, a couple sold their jointly owned business and transferred the proceeds into super in order to gain a tax-free pension after reaching 60. In the Simpler Super reforms, people over 60 pay no tax on money taken out of super, either as a pension or lump sum, from 1 July 2007. Since baby boomers—including mature restaurant owners—have not had the benefit of the nine per cent super guarantee over their whole working lives, this reform is a catch-up.
Due to the reforms, you won't need to head to your accountant as often—reasonable benefit limits were abolished, as well as age-based contribution limits. The payment of employer-eligible termination payments and death benefits were also streamlined and gave more positive tax treatment.
Another change is the treatment of undeducted super contributions. Originally, a $150,000 annual limit was to apply from 10 May this year. Under the final Simpler Super policy, this was changed to a maximum of $450,000 over a three-year period, and this will apply in July. It means that self-employed restaurant owners can claim full deductions for their super contributions.
Take control
A rash of superannuation choices can bamboozle anyone, so it's important to understand the options.
Self-managed superannuation funds (SMSFs)—also known as do-it-yourself (DIY) funds—are popular with small business owners and the self-employed who want to roll their business property into the fund.
According to recent statistics from the Australian Prudential Regulatory Authority (APRA), there are now over 320,000 SMSFs in Australia, and the number is growing at a rate of just under 2,000 per month.
"Many people in the restaurant industry decide to set up their own businesses in an effort to gain independence and control," explains Michael Houlihan, retail product and technical services manager at Vanguard Investments. "Many employers with this psyche are keen to establish their own super fund."
Restaurant owners who become funds members get to control their retirement savings, and this is measured in high returns, low costs and tax savings.
To set up, a small number of individuals join, and either APRA or the Australian Taxation Office regulates the funds. While members get to control the investment, it's still vital to hire a financial adviser to put the funds in place and an accountant as a separate auditor.
Members can put shares, property, cash, managed funds, fixed interest and other investments into their own fund, as long as it's for the sole purpose of providing for retirement.
The cost of running an SMSF depends on its size, the type of assets it holds, and administration and management fees. According to research group Investment Trends, the average annual cost of running your own fund is around $3,500.
Some financial advisers suggest that people should have a minimum of $200,000 to invest. According to Houlihan, the lure of control, flexibility and investment choices may appeal to a well-organised restaurateur with a strong business nous. "It may seem difficult at first, but you are guided by an accountant," he says.
However, it doesn't suit everyone in this industry. Last February, a survey of SMSFs revealed that as many as one in 20 may be in breach of the superannuation regulations. According to Partners Superannuation Services, the most common transgressions included not keeping fund and personal assets separate, and not having investments in the name of the trustee.
"People considering self-managed super need to ensure they are familiar with the rules governing these funds," says Umberto Mecchi, executive manager, strategy and marketing, at HostPlus, an industry fund which is geared to support the hospitality industry. "The term 'self-managed' means that you have to do the work. You must work out an investment strategy. You must be the trustee of your own fund. You remain legally responsible. This is a lot of time and effort in the busy life of a restaurateur."
Hands-off approach
While terms such as wrap funds and master trusts are daunting, they actually offer a more hands-off approach when running a super fund. They let you pool resources to save costs and gain access to a range of investments at wholesale rates.
A master trust allows members to access a wide range of investments and direct shares to other than public offer retail funds. This is under the umbrella of a single trustee. Your accounting, reporting and tax are taken care of by the trustee, and you get an annual report.
Wrap accounts are similar, but they give investors ownership of the investments 'wrapped up' in one administrative bundle. Fortunately, both allow investors to hand over the administration to financial professionals. While this saves time and avoids stress attacks, it does comes at a cost. Many investors feel they pay a high price for expensive products they don't need or understand.
The key difference between master trusts and wraps is the portability and tax treatment of the investments. In the early '90s, they both had a lack of flexibility, but after recent advancements, the products now allow you to switch without selling your investments or paying capital gains tax.
An easy option
So, it's apparent that control, flexibility and business knowledge are needed when joining an SMSF. Costs may be prohibitive when dealing with technology-driven products such as wrap funds and master trusts. Another option in this complex field is industry super funds.
This means that superannuation contributions will go into one of the large industry or institutional funds, or into a choice of investment options. Some industry funds even offer access to the ASX top 100 stocks. Overall, they provide a low-cost option that requires much less input from members.
In a recent survey, industry super funds could deliver $120,000 more retirement dollars to their members than retail master trusts. Superannuation researchers SuperRatings revealed last February that on average, industry super fund members received more dollars in their accounts after fees and taxes. The review covered 35 super funds, representing over $156 billion in funds under management and 7.5 million member accounts.
"Members can be better off in an industry super fund as they currently have lower average fees and don't pay commissions to financial advisers," says Garry Weaven of Industry Super Network. "They are run only to profit members and do not pay commissions, unlike most retail funds."
According to Umberto Mecchi at HostPlus, many industry members don't have time to juggle investments and don't want to pay exorbitant fees.
"Our business is to provide for the retirement of our members, which means restaurant owners minimise the time taken away from focusing on the success of their businesses. Industry super funds, like HostPlus, long rejected paying commissions. This has made them an unattractive option for those financial planners who are remunerated through commissions.
"We feel the role of advice is critical in making important decisions about your super," says Mecchi. "That's why we offer our members access to fee-for-service financial planners through the Industry Fund Financial Planning network."
He understands that it may be necessary for workers to change their investment mix as their situations change. "However, in some funds, members have a range so vast, they wouldn't know where to begin."
- Mecchi says making the right choice comes down to four key considerations:
- A super funds' history of returns over the past three to 10 years
- Low fees and charges
- Flexibility
- Extra benefits
Each of these alternatives have costs and benefits, and while there's no single solution suitable for everyone, there is a super fund that will best suit your particular situation.
This great content is produced for members of the Restaurant & Catering Association. Find out about becoming a member here.Restaurant & Catering magazine and its associated website is published by Engage Media. All material is protected by copyright and may not be reproduced in any form without prior written permission. Explore how our content marketing agency can help grow your business at Engage Content or at YourBlogPosts.com.


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I was nearly 4 when I arrived to Australia. My parents fled war torn Lebanon during the civil war. Both of my parents had respectable jobs, a nice home and a lot of family. Basically, they had everything except a safe environment to raise their 5 children.
In 1987, we arrived in Melbourne, Australia without knowing a single decent word of English.
We did not arrive on a boat and we did not come to Australia to abuse the "dole" system. My parents (like many others) worked hard and tried their best to adjust to this new, foreign country.
I did not appreciate what these feelings might have been until about 3 months ago, when my husband and I uprooted my 3 children and came to live in Dubai.
Of course I have so so so much more advantages than what my parents did, needless to say I can speak the 2 main languages here in Dubai. BUT it is still that feeling of nervousness, anxiousness, wonder, excitement and worry all rolled into one that I can empathise with.
It hasn't been a HARD journey, but I can say that sometimes it is a struggle to adapt to this new way of life, so big pat on the back to anyone who knows or who has done so themselves.
Moving Countries need to be documented, and I plan to do so.
Till next time, be good.


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Solar Light Sensor Reviews
Solar Light Sensor Reviews » Wonderful Guide In Terms Of Decor, Solar Light Sensor Home design is only as complicated when you allow it get. Should you be happy to learn and take the time to enable fresh tips sink in, you can expect to easily see your accomplishment. The tips in the article over have been all tried and true by a lot of prior to, and will very easily function in your love also.
K Solar Motion Sensor Light from Solar Light Sensor, Bring it along when looking for curtains or some other redecorating suppliespicture got from: kuled.com.
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Try to use versatile home furniture every time beautifying a lesser size space. An ottoman is a good decision. You can use it for seating or even a desk, and you can even shop products inside of, whether it opens. Items which have multiple functions are successful space savers for the smaller sized space.
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Solar Light Sensor Reviews » Take your couch pillow buying along with you. It could truly feel foolish, but getting together element of your couch could help you save time and effort any money. Bring it with you when searching for window curtains or another designing components. This way, it will be easy to ensure that Solar Light Sensor everything matches.
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Urban Bikes
Just because you live in the city does not mean you can't ride a bike! Take a look at Anaconda's great range of urban bikes, and find a bike with all the right features for your urban lifestyle. Choose from several models of folding bikes, which are ideal if you have to carry your bike into your office, store it inside you house or even fit it in the back of your car. Alternatively, choose the 6-speed Metro bike fully equipped with lights, mudguards and with comfort saddle for your trips around town
8 items found.
Can I purchase urban bikes at Anaconda?
Yes, Anaconda stocks a number of urban bikes suitable for riding around town, commuting, popping to the shops or taking a leisurely bike ride at weekends. Urban bikes are not really a specific model of bike as they come in a number of different sizes and styles, but are generally grouped together as suitable for the urban environment. You may also be interested in our comfort bikes range, which includes bikes that are suitable for everyday use around town.
What types of urban bikes are sold at Anaconda?
There are there main types of urban bikes for sale at Anaconda, including:
Commuter or road bikes - These bikes, as the name implies, are ideal for those people who like to ride into work, whether to keep fit, to avoid parking charges, or just to save being stuck in traffic. With different models for both men and women, you'll find various options available.
Heritage bikes - These classic designs get you from A to B in comfort and style, without necessarily being designed to be the fastest on the block. The stylish good looks will get you admiring glances as you cycle to the shops, take the kids to school or enjoy a family cycle ride out.
Folding bikes - Lightweight and versatile, these bikes are ideal if you need to take your bike up to an apartment or have to bring it inside when you arrive at the office. Not recommended for long journeys, they are also ideal if you want to pop them in the back of the car and just use them when you arrive at your location.
What else should I take into account?
As with all bikes, make sure that you are comfortable on your bike and it suits your size or can be adjusted for taller and shorter people. Your position at the wheel will depend on the style of the handlebars - some bikes allow you to sit upright and enjoy the view around you, while others are such that you bend across the handlebars to get more speed. Bikes that are used around town may need to carry shopping, toddlers or child seats, so make sure your bike is equipped to take these items if needed.
Make sure you are protected by fitting a secure lock to your urban bike if you have to leave it unattended. You will find various cycle locks on sale here at Anaconda. Also, in many places it is compulsory to wear helmets - make sure you know what is required and find your perfect cycling helmet here at Anaconda.
What if something goes wrong with my urban bike?
At Anaconda, we stock a large number of spare parts, repair kits, inner and outer tyres and more to help you get the most from your bike. If you are in need of assistance, our experienced sales team will be glad to help.


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BookScatter Script For 3DSMAX is a script i started writing for a project i am working on.
Its in the early stages of development, but since it works ok in the tests i did i decided to share it with you and get some feedback.
Right now the script is encrypted but i will release it under GNU GPL license when i finish it.
Also keep in mind that the script does not contain or create any book 3d models or shelves/bookcases. It assumes you already have the book 3d models and you want to save time scattering them in shelves, bookcases etc..
BookScatter Script For 3DSMAX
BookScatter version 0.5 Update
This program is distributed in the hope that it will be useful,
but WITHOUT ANY WARRANTY; without even the implied warranty of
MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE.
So please save your work before trying it and report any issues so i can look into them when i have the time!
Unzip the file from the download link below and inside you will find the BookScatter_by_moure.mse file.
Just run the provided .mse file (through MaxScript –> Run Script) every time you need it and you will get the script ui on the left.
1. Load your books 3d models (the more the better) and align them in the viewport so that you can see their side with the title from the front view.
2. Select the books and press the Fix button on BookScatter. That realigns the books pivot point so that its easier for the script to scatter them correctly on the next step.
3. After you fix the pivot point choose how many shelves you want vertically and horizontally (in the example above i had used 8 and 8) length and gap settings as long as the randomization options. Then select the book models and press run to see the results. The script will try to fill the shelves length with as many books it can based on the shelve length and the book size. So do not try to scatter a book that its side is 50 cm in a shelve that is 30 cm, pay attention to your system and models units in order to see correct results.
Note1: Each book model should be a separate object. NOT A GROUP! Using a group will produce some dummy objects. Just attach the different book parts in an editable poly!
Note2: Since you can not add comments here , i encourage you to give me feedback and bug report in the scriptspot page of the script here.
Note3: You can find the book models i used for the tutorial here. Just detach the different books, cause when you download them the books are attached together.
Note4: You can find the book models i used for the new 0.5 logo in VisCorbel website for free if you subscribe to his newsletter!
It should work in 3ds Max 2010-13 versions.
More features coming soon…
To download the script press here.
- 3ds max script download
- 3ds max scripts download
- 3ds max script
- 3ds max free script bookscatter


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Pincher Creek's U18 soccer team was on the road again for their first matchup against Sparwood. Pincher found themselves down by 2 at the half, battled back to tie the game late in the second half , but after an excellent crossing play by the Sparwood strikers Pincher was handed their first loss of the season, Sparwood winning by a score of 3-2.
While Pincher dominated possession time and the mid-field for most of the game, two small mistakes in front of their own net ended up costing them two goals in the first half of the game. The biggest reason for Pincher's first loss of the season was that they couldn't get any shots on net, not necessarily because of Sparwoods defence, but because of the accuracy of their shots. Pincher could have easily taken this game if they had converted a few more of their chances.
Pincher will be staying home for the rest of the season including the year end tournament next month, but first they will play both Elkford and Sparwood again in the next three weeks at home.


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Coming soon – our new auto end-of-day feature!
Coming soon – our new auto end-of-day feature!
We're always looking for new ways to help our clients so, in line with growing demand to streamline and automate processes wherever possible, we're launching a new 'auto end-of-day' feature.
All hotels have to close business at the end of each day so the takings for each 24-hour period can be accurately recorded for the accounts. For most hotels this is done either in the morning after check-out time or late in the evening.
Until now it has been a manual process, relying on hotel staff remembering to close the business for the day. As with anything, human error can easily creep in and forgetting to kick off the end-of-day later creates confusion in the accounts and reporting.
To avoid such mistakes and save hotel staff time, Hotel Executive will soon boast an automated end-of-day feature which means hotels can simply set the time each day that they want their business closed down and the process will be triggered automatically.
The auto end-of day feature will be available within the next couple of weeks as a free update for all our clients using up to date versions of Hotel Executive who have support contracts with us.
Hotels using very old legacy systems may need to upgrade for a more recent version of Hotel Executive to access the automated end of day feature.
So, if you are keen to find out more about how the automated end of day feature could help you and get yourself on the waiting list, get in touch!


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Active Energy wins Green Energy Award
6 December 2016
Loraine Leeson's Active Energy project has received the Best Arts and Green Energy award from Regen SW. The awards were announced at an event at the Bath Assembly Rooms on 29 November. This is the 13th annual awards ceremony to honour innovation in the development of green energy and the first to recognise the arts as a key player in this process.
Active Energy is an arts/engineering collaboration involving The Geezers, a seniors' group based at an AgeUK Centre in Bow, in the development of technologies to improve their lives. Outputs so far have included a turbine-driven lightwork for an AgeUK roof, exhibitions in the UK and USA, and development of a new design of tidal turbine for use in the River Thames. Further work is currently underway through the AHRC funded Hydrocitizenship project to construct a stream wheel that will power an aerator to help oxygenate the water in the Lower Lea and support the survival of fish.
About the University of Westminster:
The University of Westminster boasts a vibrant learning environment attracting more than 20,000 students from over 150 nations and we continue to invest in our future with new developments, research projects and new ideas.
We offer highly attractive practice-based courses that are independently rated as excellent, many with international recognition. Our distinguished 180-year history has meant we lead the way in many areas of research, particularly politics, media, art and design, architecture and biomedical sciences, and our position in the city of London allows us to continue to build on our close connections with leading figures and organisations in these areas as well as in the worlds of business, information technology, politics and law.
Our commitment to educating graduates for the needs of professional life attracts high quality students from within the UK and around the globe.
Internationalisation, employability and sustainability are key elements in the University of Westminster's vision for the future and we strive to ensure the very highest standards are met and maintained.
For the media
Here we hope you find everything you will need to research, write and publish your story or blog post.


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An exposed Tollywood is huffing, puffing and throwing diva like tantrums ever since it became public knowledge that many of its members are into substance abuse. These guys are so used to chamchagiri, awards and ribbon cutting events, that nobody dare point a finger at them.
Actor Rana Daggubati has been tweeting crazy rants against the media. "The hand that rules the newspaper thinks it rules cinema!! Less do they know that they need to rule their own brains before writing!"
What Rana needs to realise is that apart from a few crazed fans, everyone else is laughing. "Guilty conscience pricks the mind", is the trending topic.
Actress Madhushalini too better tell her chamchas to back off, lest the rants against the media backfire on her with more sordid details.
The cops have solid evidence. The arrested Ugandan national Patrick has been giving them every possible link. The junior cops are delighted with this breaking news, admit the big guns in Tollywood have been pleading with the senior officers to hush up the whole case. "The case may just be hushed up... too much pressure from the rich families... they are all friends of our seniors," said a junior officer who admits they will be very disappointed if after all their hard work, the accused get away.
Confident that their clout will stop the cops from delving further into the racket, many actors are giving bold statements like "We are ready to give blood tests to prove our innocence."
A few decades back, actor Sanjay Dutt, at the beginning of his career, too gave heartfelt statements like "I gave blood to my mother, who is fighting cancer. Do you think I would do that if I am doing drugs?" Everyone has the answer to that question!
People dabbling with contraband, aren't really the most honest bunch around. So in answer to another of Rana Daggubati's tweet which goes, "If a donkey bray (sic) at you, do you bray back at them?? And the donkey here starts with a Big D!"
Guess it's D for Daggubati Rana.
Wednesday, August 25, 2010
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From: firstname.lastname@example.com [mailto:email@example.com]
Sent: Monday, February 22, 2016 1:24 PM
To: firstname.lastname@example.com
Subject: RE: [MPD-5D] Police activity at 83 O Street NW
Good afternoon,
MPD members received a call to that address to check on the welfare. On the scene the MPD Officers and DCFEMS found a subject with no signs of life. MPD investigators and DC medical examiners responded to the scene. A death report was taken.
From: firstname.lastname@example.com <firstname.lastname@example.com> on behalf of tvehunt @ yahoo.com [MPD-5D] <email@example.com>
Sent: Monday, February 22, 2016 10:03 AM
To: email@example.com
Subject: [MPD-5D] Police activity at 83 O Street NW
Good Morning MPD-5:
Could someone please share what has happen at the address of 83 O Street NW on Sunday, February 21, 2016?
A response is appreciated as a concern neighbor, Thank you.