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Honda Service & Maintenance
Look no further! We can save you as much as 65% from main dealer Honda servicing prices across the country!
Honda has been the world's largest motorcycle manufacturer since 1959 and is the eighth largest automobile manufacturer in the world, with assembly plants around the globe, which is why it deserves a service of equal standard to keep its maintenance optimal.
Why Use Service4Service?
At Service4Service we provide a quality car service for your Honda, maintaining its optimal performance, safety and comfort, at a much lower price than found with any of the main dealers locally in your area.
For most people, car servicing is a necessity rather than a luxury and it's something that just needs to be done once a year or as the odometer clicks around. Unfortunately, it always seems like the expense comes at the wrong time of year, but of course it's essential to keep your Honda's service history in good order.
We only use Approved Honda parts
We guarantee that your Honda will be serviced by manufacturer trained technicians using only approved parts so that your car continues to perform the way the engineers who built it intended. All of our Honda services comply with EU block exemption laws so your manufacturer warranty is completely protected when your car is serviced in one of our specialist Honda service centres, which means you can benefit from big savings on your service compared to main dealer prices.
To make things easy as possible for you, and to ensure your Honda service doesn't impact upon your day, we offer a collection and delivery service for your vehicle. Either leave your car at home or at work and we'll collect it free of charge before dropping it home when the work is complete.
Alternatively you can call us on 0808 164 0418 and one of our friendly sales team will be able to help with your enquiry or booking.
Manufacturers Warranty will be fully protected using genuine parts
What's Included in a Honda Service?
Some car servicing requirements include specialist oils, spark plugs, fuel filters or pollen filters. Please speak to one of our professional service advisors for further information.
Features and Benefits of our Honda Service
As your local independent car servicing experts we ensure that all our technicians adhere to the Service4Service standards meaning:
- Our service centers use specialist computer diagnostic equipment to carry out a full health check of your Honda
- Our technicians fit Original Equipment Manufacturer (OEM) & Honda approved parts only
- We will collect & deliver your Honda either from home or at work at a time that suits you
- Your Honda will receive a high quality service that fully protects your manufacturers warranty
- Your car will be washed at no extra charge, when you book a full Honda service
How to Book A Honda SERVICE
Booking a car service or a repair for your Honda is a fast, hassle-free process. Simply use our online booking form at the top of the page where you can easily follow our 4 step booking process.
Alternatively you can call us on 0808 164 0418 and one of our friendly sales team will be able to help with your service booking.
LOOKING FOR A HASSLE-FREE Honda REPAIR?
You'll find our technicians are happy and willing to repair almost any problem your Honda might have, from a damaged clutch to a difficult gearbox. We only ever replace parts with manufacturer's approved parts.
Honda Brake Repairs
Brakes are responsible for your safety so it is important to ensure that Honda brakes are regularly checked by a fully qualified mechanic. Be mindful of signs that your Honda brakes need attention, this includes a pulsating or vibrating brake pedal or a longer than usual braking distance.
In order to drive with peace of mind, you have to feel you can rely on your braking system. If you drive a Honda, you can rest assured that we'll keep your car and it's brakes running perfectly, all while protecting your manufacturer's warranty. We only fit OEM or genuine Honda parts.
Honda Clutch Repairs
Your Honda clutch is a key component for your car to work efficiently. When you change gears whilst driving, your clutch is simultaneously working to ensure your car reacts and performs based on the gear you select. Clutch failure results in the car failing to drive and here at Service4Service we want to help keep your car on the road, using our specialist knowledge.
Clutches do not have a recommended replacement mileage, so should be inspected regularly. With our approved, quality clutches fitted by our qualified technicians, you can't go wrong!
Honda Cambelt Repairs
There are no warning signs that a timing belt is worn out! Often, the warning signs of a damaged Honda timing belt appear after it is already too late, and this can become expensive. Your Honda vehicle engine will suffer from the consequences.
Honda specify certain intervals based on the age/mileage of your car to recommend when you should replace your timing to prevent any damage. Our quality parts that we supply and fit will suffice to prolonging the life of your engine.
Honda Exhaust Repairs
Exhausts are a major part that controls the level of emissions that come from your Honda. For the engine to run smoothly and producing the correct levels of emissions, keeping your exhaust in good working order is so important and we are able to help you with this.
It's key to use only OEM or genuine Honda parts and we will always provide the quality service you should expect when looking after your car.
Honda Gearbox Repairs
Gearboxes are an intricate part of your car, therefore Honda gearbox repairs are an important part of your car maintenance needs. Service4Service offer a high quality Honda gearbox repair and replacement service.
Clunking sounds when you shift gears or leaking transmission fluids? Our technical expertise means that we can provide fast and inexpensive Honda gearbox repairs.
Honda Turbo Repairs
Nearly all Honda turbocharger faults are the result of a handful of causes usually involving the turbo pump or turbo injector. Commonly found in diesel engines, an increasing amount of petrol-fuelled engines are also being built with turbochargers.
As turbochargers are now so popular Service4Service offers a dedicated Honda turbocharger repair service.
Spread the Cost of Honda Servicing & Repairs with 0% Finance
4 months interest-free option
- Car repair or servicing costs totalling over £200.
- Spread the cost over 4 months interest-free.
- You pay 25% of the bill when work is completed.
- The remaining 75% is spread over 3 equal monthly payments.
- You must have a valid UK debit card to arrange the payment plan.
12 months interest-free option
- Car repair or servicing costs totalling over £200.
- Spread the cost over 12 months interest-free.
- You pay 10% of the bill when work is completed.
- The remaining 90% is spread over 11 equal monthly payments.
- You must have a valid UK debit card to arrange the payment plan.


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USA Performance Parts, Mooresville, NC
USA Performance Parts is an automotive performance & racing retailer of quality products based in Mooresville, North Carolina, Motorsports Capital of North America and home to many NASCAR and NHRA race teams.
Owned by Dave Bieneman, with almost 50 years in Drag Racing as a Top Fuel driver, team owner and crewman on a variety of drag racing cars and still active today, we are dedicated to furnishing high quality performance parts while supplying vast technical knowledge, all at affordable prices.
Current list of items for sale
RHS Assem LS3 Cylinder Heads FREE SHIPPING, ea
Howards LS GM "ASA
Howards LS GM "ASA CAM" Hyd Roller Cam - EFI
1600+ HP BBC 632 Block & Rotate Assem N2O
1600+ HP BBC 632 Block & Rotate Assem N2O
Lunati 615 Block & Rotating Assem 10.3-1
Callies 421 SBC Block & Rotating Assembly
Forged 489/496 cid BBC Rotate Assem-FREE SHIP
Balanced SB Ford 408W Rotating Assembly 10.8
STD DECK 598 Block & Rotating Assem N2O
USA Performance Parts
1375 Deal Rd
Mooresville, NC 28115
Business Website
Send Message
Add to favorite businesses
We are distributors for many of the premiere racing manufacturers in the country. This includes but not limited to:
• Brodix • FAST • PAC Springs
• Callies • Ferrea • PBM
• Comp Cam • Indy Cyl head • PSI Springs
• CP Pistons • Jesel • RHS
• Diamond • Lunati • Xeldyne
• DART • Mahle Pistons • SCAT
• Eagle • Manley • T&D Rockers
• Edelbrock • MBE Heads • Trick Flow
• Erson Cam • McLeod • Victory Valves
If you don't see what you are looking for contact us (704)397-7979 or [email protected]

subset: commoncrawl


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About us +
Philosophy and Approach
Teachers Bios
Job Openings/Vacancies
Photo Gallery
Contact +
Aurora Danceline Dancewear and Dance Shoes
News & Events +
Aurora is now in Kuching,Sarawak
Pivot Express Holiday Workshop
Celebrating Student Successes
Adjudication at the Singapore Youth Festival 2015
Upcoming Performances & Events
In The News
Vice Principal performs SKIN in Adelaide
Delights of Christmas 2014
Radio Tari @Tari 14
Message from an ex Aurora employee
Broadway Dreams Dance Recital
Thai Teacher's Visit to Aurora
Sugar & Spice 2014
Beach Party Nov 2013
Ballroom for Adults Oct 2013
Anugerah Khidmat Setia April 2013
4th Malaysia International Shoe Festival Mar 2013
Malbo Charity Gala Mar 2013
Teater Muzikal Lagenda Cinta Feb 2013
Novartis Launch Feb 2013
Novartis Dance Workshop Feb 2013
Taking The Leap As An Adult Dancer
The White Box Event Jan 2013
Bella Awards Jan 2013
Opening - Kota Damansara Jan 12 - 13
Prix De Lausane Training Dec 2012
Wanita Hari Ini TV3 Dec 2012 +
WHI Feb 2013 Update
Aaron Selangor Times August 2012
Astro SuperStar Results +
Suhaili NST 13 May 2012
Aaron NST 6 May 2012
Wizard of Oz - theSunDaily 3 May 2012
Detol Product Launch
Lions KL Fund and Fun Charity Dinner
Past Events +
Halloween Dance Bash
Short+Sweet Malaysia Dance 2017 Sweet Success
Short+Sweet Junior Dance Festival 2017
The Little Prince In Everyone
Star Of Canaan International Ballet Competition 2016
Summer Camps and Workshops 2016
The Tree World Premiere
2015 Asian Grand Prix International Ballet Competition
BSN 40th Anniversary Nite
Future Travel Experience Asia 2014 Gala Night
Music Video For Asia's Got Talent
Anthony Burrell Hip Hop Contemporary Dance Workshop
The Venopian Solitude Tenangkan .... Video Clip
Media Launch of Safi Balqis White Trilogy
Kids Got Talent 2012 Auditions
2012 ISTD Ballet & Modern examination Nov 2012
Kids in Dance & Theatre Arts Holidays Camp
Contemporary Adult Afro Jazz Dance Camp
Ignight Art meets Fashion October 2012
Asian Grand Prix Hong Kong Results +
Jottings from Contestants
Asian GrandPrix Hong Kong August 2012
1 Malaysia For Youth (1M4U) July 2012
Fairytale Birthday Bash July 2012
RAC Gala Night July 2012
Wizard of Oz May 2012
Astro Super Star June 2012
Sugar and Spice May 2012
Disney's Platypus May 2012
World Championship of Performance Arts April 2012
Wanita Hari Ini April 2012
Malaysia International Shoe Festival March 2012
ISTD Awards 2012
MHI TV3 Performance Dec 2011
TDS Solo Ballet Competition June 2011
Crown International Dance Festival Melbourne April 2011
Ballroom Dancing Exams December 2010
Sugar and Spice April 2010
Short & Sweet September 2009
7th Aannual Boh Cameronian Arts Awards July 2009
2nd Philippine Star Ball Manila February 2009
World Open Dancesport Congress November 2008
Short & Sweet Dance Festival 2012
Sugar & Spice at Putrajaya Arts Festival May 2008
Newsletter +
New Year Message From Teacher Mary Grace
Janice Yong gains her RAD Qualifications at Aurora
Jottings by Nelly Chew, ex-student of Aurora
A Note To The Principal From Isabelle Brouwers
Report from Hong Kong Nov 2011
Nasi Lemak Kopi O - TV9 November 2011
1st Malaysian ISTD Imperial Classical Ballet Awards November 2011
ISTD Classical Ballet & Modern Examinations October 2011
Genees South Africa October 2011
SJ Talent Quest September 2011
Learn to sing
Classes +
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Dancing Tots & Kinder Ballet & Modern
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Class Schedule
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Upcoming Events
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Class Schedule
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Student Registration Form
Just Posted
Pivot Express Holiday Workshop
Year End Promotion for Newcomers
Great success at DPI, Jakarta
Short & Sweet Dance Junior
Notes from our competitors
Aurora in the News!
Wanita Hari Ini TV3 Dec 2012
Calendar of events
New Dancing Tots & Kinder Ballet
The making of the music video for Malaysia's contender at Asia's Got Talent contest
Poovern Sheezus a sixteen year old was one of 2 finalists from Malaysia vying for the winning title of Asia's Got Talent 2014 competition. Aurora's senior student and trainee teacher was selected to dance in his version of John Legend's All Of Me.
I am blessed and honoured to be given the opportunity to be a solo dancer in a music video alongside vocalist Poovern, a Malaysian finalist of Asia's got talent. Despite the short notice thanks to a great and experienced production team
all went very well. It is my hope that this wonderful experience will be one of many as I travel on my journey to realising my dream of making dance my life -
Jill Chew
Find us:
Taipan SJ Studio
No 23, 2nd Floor,
Jalan USJ 10/1F,
Subang Jaya 47620
+6 03 56346984
Mobile: +6 016 3110249 / 349
Kota Damansara Studio
No 19-3, 3rd Floor,
Jalan PJU 5/9
Dataran Sunway,
Kota Damansara 47810
+6 03 74961913
Mobile: +6 016 3110949/3110742
Sapphire Dance Co
75C Jalan SS21/60
Uptown 47400
Damansara Utama
Mobile: +6 016 3110949/3110742
Yogini Republic Studio
Bangunan Aiman, 3rd Floor, Corner, Lot 423, Section 5, Jalan Kulas Satok, Kuching, 93400, Sarawak
Tel: +6014-8868466
Email us:
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Aurora School of Dance - Malaysia's premier dance school located in Subang Jaya and Kota Damansara


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With performances of Bartók's major orchestral works, as well as solo and chamber music, folk music, a study day and pre-concert talks, this must-follow series explores every aspect of Bartók's life and work. Concerts take place in the UK and Europe from January to November 2011.
On this site you can find films featuring Series Consultant Malcolm Gillies and Principal Conductor and Artistic Advisor Esa-Pekka Salonen, examining Bartók's stage works, teaching, piano and string works, and his relationship with folk music, as well as the political and ethnic tensions in his native Hungary and his eventual move to America.
You can also read programme notes and articles by Malcolm Gillies and other Bartók scholars including László Vikárius, Peter Laki and Carl Leafstedt, as well as listening to extracts from his works.


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Eurofins Central Laboratory
Reliable, high quality clinical laboratory data is pivotal to the success of your clinical trial.
At Eurofins Central Laboratory, laboratory science is what we know and what we do.
Since laboratory testing is our sole focus, we go above and beyond to provide an array of services to ensure that any clinical trial sample is collected, transported, managed, analyzed, reported and stored to meet the objectives and purpose of your study. These services include Global Kit Production and Logistics Support, Sample Management and Storage, Clinical and Esoteric Testing Services, Investigator Services, Project Management and Data Management, and Scientific Consultancy.
We know the importance of ensuring that every detail is managed for any clinical trial, from phase I through phase IV, across a broad range of therapeutic areas and geographic locations. With over 20 years of experience and scientific expertise, we are dedicated to providing the most cost effective and efficient solutions to pharmaceutical and biotech companies, and CROs.
Eurofins Central Laboratory supports its customers with 4 wholly-owned CAP accredited laboratory facilities in the United States, Europe, Singapore and China. Our harmonized laboratories operate as one. All of our laboratories are connected to one global LIMS and are using the same global standard operating procedures and global reference ranges through the deployment of uniform instruments, reagents, and analytical methods to provide one global data set for submission to health authorities worldwide.


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Hey guys, I'll be using this thread to track the progress of my tank for anyone who is interested :)
It's a 5ft x 2ft x2ft 150 gallon which has been established since August. I initially wanted to go with a Discus only tank but I have recently decided to switch it to a Community tank.
I'll be posting pics tomorrow but here is what is going on as of now. I have had 6 Discus since August and they're doing great, no sign of illness etc.
My tank water parameters are as follows: 8.4 pH, 7GH, 8KH. 80 - 82 degrees with no heater. Filtration is a Fluval Fx5, Coralife 36W UV Sterilizer in line, and a sponge filter rated for 100gallons.
I do a 60 % water change every 3-4 days.
I recently added 12 emerald rainbow fish, 6 male, 6 female, 4 bolivian rams, I think I have 2 female 2 males but I'll pics tomorrow for you guys to help me determine what I have, and one male albino bushy nose pleco, looking for a female to add.
Currently the only thing I have planned to add is 6 juvi clown loaches to deal with my snail problem and a female abn for my boy. Pics tomorrow and I welcome any suggestions or ideas for my tank.


text: With the annual hoopla surrounding the beginning of March Madness and the NCAA men's basketball tournament, many forget that the NCAA women's tournament occurs simultaneously. The inventor of basketball, Dr. James George Naismith, envisioned basketball as a sport for men and women. In fact, women's high school and college basketball teams played an important role in promoting the game and coincided with the earliest men's basketball teams at the beginning of the 20th century. So with this, Florida Memory highlights women's basketball in Florida from its earliest days.


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Based on our long experiences from scouting, where we did many times GET THROUGH camping, river rafting, archery, horse riding, climbing, bicycle expeditions and hiking in all weather conditions and year seasons and TESTED a large number of brands and materials, we SELECTED goods which best suits the needs for the life in nature.
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Stockings ready? Wallets out? Steam's winter holiday sale has begun.
Right now there are sales on a whole bunch of franchises, including Hitman, Prince of Persia, and many others. You can get Borderlands 2 for $30, for example.
There are also some big publisher bundles: $90 gets you a whole bunch of Bethesda games, including Skyrim and Dishonored. And for $70 you can get a metric ton of indie games including Mark of the Ninja and Ys Origins.


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Consensus Report
Toxicity Testing for Assessment of Environmental Agents: Interim Report (2005)Board on Environmental Studies and Toxicology
Each report is produced by a committee of experts selected by the Academy to address a particular statement of task and is subject to a rigorous, independent peer review; while the reports represent views of the committee, they also are endorsed by the Academy. Learn more on our expert consensus reports.
Toxicity testing in laboratory animals provides much of the information used by the Environmental Protection Agency (EPA) to assess the hazards and risks associated with exposure to environmental agents that might harm public health or the environment. The data are used to establish maximum acceptable concentrations of environmental agents in drinking water, set permissible limits of exposure of workers, define labeling requirements, establish tolerances for pesticides residues on food, and set other kinds of limits on the basis of risk assessment. Because the number of regulations that require toxicity testing is growing, EPA called for a comprehensive review of established and emerging toxicity-testing methods and strategies. This interim report reviews current toxicity-testing methods and strategies and near-term improvements in toxicity-testing approaches proposed by EPA and others. It identifies several recurring themes and questions in the various reports reviewed. The final report will present a long-range vision and strategic plan to advance the practices of toxicity testing and human health assessment of environmental contaminants.
Key Messages
- A new strategy is needed to improve efficiency, reduce animal use, increase the number of chemicals screened for toxicity, and address some of the data gaps identified.
- Generally little information is available on pharmacokinetics, including possible differences across life stages. It is critically important to define the purpose of pharmacokinetic studies to avoid the creation of data that are unlikely to be used and therefore represent a waste of animals, time, and resources.
- The REACH program has the advantage of generating at least some toxicity data on chemicals that are not now subject to testing in the United States.
- The committee found that the NTP's near-term efforts to refine and extend its toxicity tests and to improve the use of pharmacokinetic information promise to increase the depth of toxicity information on chemicals assayed and to provide greater insight in applying the findings to humans.
- The committee found that the REACH program focuses more on screening large numbers of chemicals than on generating in-depth information that is often needed for quantitative risk assessment. However, the REACH program does allow for greater depth of testing to be triggered on the basis of initial results.
- The committee notes that the ILSI-HESI evaluation may have overlooked redundancy of testing as a critical part of the weight-of-evidence approach.
- The committee supports the general ILSI-HESI approach of using existing databases to evaluate the importance of specific toxicity tests or their contribution to the dataset and endorses further broad retrospective reviews.
- The existing protocols for acute toxicity testing focus on lethal effects and gross observations and generally do not provide adequate information for acute and short-term RfDs or reference concentrations (RfCs).
- The relevant exposure route and exposure durations should be considered in developing a testing strategy.
- There are numerous data gaps in life stages and specific health effects evaluated in current toxicity-testing approaches. Few data are available to determine the degree to which those gaps have practical significance for risk assessment or whether they are primarily of theoretical or academic concern.


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I wrote to this forum several months ago with what, at the time, seemed like a small isolated issue with Subscriber not working with my own email address (ie. would not mail me a confirmation email). However, since that time, I have 70 confirmed subscribers and about 70 unconfirmed subscribers, and I suspect that many if not all of those unconfirmed are simply not getting the confirmation email.
Aside from asking generally if ANYONE can offer any suggestions as to why Subscriber is selectively chosing who and who not to send confirming email, is there any way I can go behind the scenes to view the email addresses of those awaiting confirmation??? If maybe I can see some commonality or pattern to them, it might help with figuring out what the problem is..Otherwise, I am just scratching my head..Thanks


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The pre-Halloween hybrid weather monster that federal forecasters call "Frankenstorm" is looking more ominous by the hour for the East Coast with high wind, heavy rain, extreme tides and maybe snow to the west.
BOSTON -- Massachusetts officials braced Friday for the arrival of a mega-storm that could bring damaging winds, 10 inches of rain and coastal and inland flooding to the state and much of the East Coast.
While the exact track of Hurricane Sandy remains uncertain, Gov. Deval Patrick said at a Statehouse briefing that current projections show the weather system reaching the state by late Sunday and lingering until early Wednesday.
Watch an animated Hurricane Sandy tracker here
Forecasts that show Sandy veering inland and merging with another storm front in the mid-Atlantic could lower the potential for catastrophic damage in Massachusetts, but Patrick still warned of a 4- to 6-foot coastal storm surge and 30- to 35-foot seas offshore.
Boat owners who planned to remove their vessels from the water were advised to do so by Sunday.
With the potential for widespread power failures, much of the focus of the state's preparations remained on power companies that were harshly criticized for their response to two major storms last year that, in both cases, left some customers without electricity for a week.
"It's the weather. It's Mother Nature. It's not entirely predictable," Patrick said. "But the things that we observed from the last two storms should be lessons we are planning against."
Utilities face the threat of stiff fines if their response falls short of expectations, officials said.
Attorney General Martha Coakley has recommended a combined $30 million in fines against National Grid, NStar and Western Massachusetts Electric Co. for problems after Tropical Storm Irene in August 2011 and a surprise snowstorm last October. The Department of Public Utilities is expected to rule on those penalties next month.
Richard Sullivan, the state's Energy and Environmental Affairs Secretary, said utilities will be under strict scrutiny this time around. He said each has filed emergency plans with the state and are contracting with crews as far away as Washington state to deal with expected outages.
"It would appear that the number of crews they have put on call is sufficient, but we are measuring this response in terms of the results on the ground and not necessarily the numbers," he said.
To improve communications with cities and towns, utilities have assigned a liaison to each community for the duration of the storm and restoration efforts, Sullivan said.
State officials urged utilities to synchronize the activities of crews assigned to repair lines with those assigned to clear trees felled by high winds, citing that as a major obstacle after last year's storms.
"Though there were a lot of crews, the tree crews and the line crews were not necessarily well coordinated. A line crew would go someplace where the power was down, but because there wasn't someone there to remove the tree that had caused the power line to come down, they couldn't deal with it," Patrick said.
Marcy Reed, president of National Grid Massachusetts, told reporters in a teleconference on Friday that her company was ready for the storm.
"We really learned a lot from last year's storms," she said. "We recognize the frustrations customers had, and it is our objective to earn their trust back and to meet their expectations this time around."
National Grid has revamped how it deals with downed wires, aggressively trimmed problem tree limbs and worked to more quickly assess storm damage, Reed said.
Patrick, a Democrat, said Friday he had canceled a scheduled Sunday campaign trip to Florida on behalf of President Barack Obama and would reassess other campaign activities planned for later in the week.
He urged residents to take precautions in advance of the storm, including making sure their homes are equipped with working flashlights, food and water, extra medications and pet supplies.
In the coastal fishing city of Gloucester, the mayor also encouraged residents to take children trick or treating Sunday instead of Wednesday because of public safety concerns related to the storm.


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VANCOUVER — All it took was a James Reimer sighting for Twitter types to let their fingers do the talking Monday.
As soon as the Toronto Maple Leafs goaltender took to the UBC ice with locked out members of the Vancouver Canucks, tweeps concluded in 140 or less characters that this was a prelude to a Roberto Luongo trade, that Reimer should get to know his new teammates and look for a house.
If anything, it added levity on the one-month anniversary of the NHL lockout in which players missed their first cheques and didn't expect lasting results when collective bargaining agreement talks resume Tuesday. So, leave it to Twitter to make more of it than Reimer visiting his in-laws and skating.
"If you want the truth, go to Twitter. That's funny," chuckled Reimer. "I didn't even really think of that. I'm sure the rumours will be spreading. As far as I know, when the season comes back, I'm still a Maple Leaf."
Reimer knows Toronto is one of many rumoured destinations for Luongo once a new CBA is struck — Florida, Chicago and Columbus are among others — and the young Leafs aren't that far from pushing for a playoff position. Especially with a front-line stopper, even if Reimer is under contract for two more seasons at $1.8 million US annually and a two-way contract is allowing Ben Scrivens to play in the AHL. Luongo is a $5.3 million salary cap hit the next 10 seasons and will be paid $6.7 million annually the next six. But when it mattered most, Reimer lost nine of his final 13 starts to start the clamour for a more credible crease solution.
"Rumours are rumours," added Reimer. "Anyone can start one. If he [Luongo] would end up coming to the Leafs, then you battle and I'd do my part to try to be in there for as many games as possible. If he came, he's a great goalie and I'm sure if would be a great competition and I'd learn a lot from him. He's got a lot to teach."
It won't be about how to get along with goalie coach Francois Allaire, who schooled Luongo. Amid much finger-pointing and accusations of too much interference, Allaire left the Leafs last month as was replaced by Rick St. Croix. Reimer lauded Allaire but admitted to widespread frustration.
"Everything is worse when you're not playing well and the team isn't playing well," he added. "Everything gets magnified and that's just what happens. Tempers boil over."
Meanwhile, missing first cheques was easier for those who structured their contracts to include signing bonuses paid July 1, but the 8.5 per cent escrow payments from last season will return to players by the end of this month. Still, that hasn't eased growing tension. Players are adamant that moving off their initial offer to cap increases by two per cent annually the next three years — then return to 57 per cent of revenue they enjoyed when the CBA expired — would be a sign of weakness because that proposal offered $456 million in revenue sharing. Owners want an immediate salary reduction.
"The league is trying to act like we haven't done anything — they say it's not significant," said Canucks defenceman Dan Hamhuis. "If they consider $456 million not significant, then it might be a while before they wrap their heads around that. The system they're proposing is taking money out of our pockets and small-market teams are going to have the same problems."
Cory Schneider is on the 31-player NHLPA negotiating committee and suggested the union isn't willing to cave and accept a new CBA that may cost them $1 billion over five years, especially when the league had revenues of $3.3 billion last season and growing at a rate of seven per cent annually.
"Probably the only company in the world [NHL] who is forecasting negative growth over the next five years," said the Canucks goalie. "We're trying to be reasonable and not make it a cash grab for them and put it places where it's not useful."
Knowing an NHL lockout was likely, Kevin Bieksa ($3.5 million), Jason Garrison ($3M), Dan Hamhuis ($2M) and Cory Schneider ($500,000) structured their contracts for signing bonuses. They were paid July 1.
"We see the track record of after the CBA expires and tried to plan according and limit as much loss individually," said Hamhuis.


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This fun, refreshing drink has an added bonus - plenty of vitamin C!
Preparation Time: 5 mins
Yield: 2 x 1/2 cup servings
In a blender, add the 1 sliced kiwifruit, sugar, lime juice, and ice cubes and blend until smooth. Serve in stemmed glasses; garnish edge of each glass with kiwifruit slice.
If desired, replace the sugar with an equivalent amount of artificial sweetener.
Can add 1/2 teaspoon rum extract, or for an alcoholic option, add 1 to 2 ounces rum.
Serving suggestions are not included in the nutritional analysis and may not be gluten-free, if a gluten-free diet is required.


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Follow RFF News on your cell phone. Text follow rff to 40404 you will receive txt messages with RFF News
0 Members and 1 Guest are viewing this topic.
That's what I'm trying to tell everybody but you guys will kill me. David & Mary finished the FF and won the 1st prize. Peter & Sarah also survived this leg. So it means the Cho bros are out. All other spoilers are messed up.Remember Yolanda quit the FF and came back to the Monkey Festival? So other teams know.
Hey guys,2. The picture with the black chests(?) are most likely at the base of the Kuwait Towers. Cheers-K.
My tv guide hardcopy 10-23 to 10-29 has a little blurb about Peter :RealityAmazing Race 10Several of this seasons contenders look like they can go the distance,but who knows if leg 7 of the race will be lucky (i.e. ,a non-elimination ) for the tardiest team of the night .( This show contains the info you'll need to crack one of the challenges on Gold Rush)
I don't see any other options -- David & Mary have to go for the FF and fail, then get eliminated. No way it's Peter & Sarah from their confessional, and everyone else is accounted for in Mauritius. I don't think anyone else will go for the FF either. Just my two cents. Because I'm always right.
Hang on, I'm trying to get my flight to NYC on Dec 10.It's probably going to be the same as the other estimate of 1 pm.
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This match between Huddersfield Town and Blackpool is scheduled for October 18, 2014 at The John Smith's Stadium. In this match Huddersfield Town with 18th position will receive Blackpool with 23rd position in this championship. Majority of football betting odds given by various online betting sites are in favor of Huddersfield Town to win this match. The football betting odds for this match, based on the data pertaining to both teams, are also suggesting win of Huddersfield Town in this match due to their home ground advantage, superior form and higher ranking.
The comprehensive study of head to head statistics comprising of 51 matches played between these two teams in the past is suggesting win of Huddersfield Town at 31.4 percent, win of Blackpool at 43.1 percent and probability of draw at 25.5 percent in this match.
For evaluating the betting odds in this article we have also considered the performance chart analysis of both teams. This analysis shows that the form of Blackpool (-6) is inferior to that of Huddersfield Town (-2). Huddersfield Town won 3, had draw in 2 and lost 1 out of the last 5 matches played by them. They had a draw in their last match against Blackburn Rovers on October 4, 2014 with score of 0-0. Blackpool won 1, had draw in 2 and lost 2 out of the last 5 matches played by them. They won their last match against Cardiff City on October 4, 2014 with score of 1-0.
As on October 16, 2014 bet365 is providing best odds of 1.80 for the win of Huddersfield Town in this match. Pinnacle is providing best odds of 3.72 for draw and odds of 5.33 for win of Blackpool in this match.


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don't mind my knitting. my name is ana, and you can learn more about me here.
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Fatal shooting video of WDBJ7 reporter, cameraman crosses social media line
This is a different sort of media madness. It's a misuse of a media tool, turning us against ourselves.
A new line in offensive communication was crossed today when a horrific event happening on live TV was then promoted on social media by the perpetrator. Using Twitter as a new sort of megaphone, the suspected killer of a TV news crew in Virginia sought to grab wider instant infamy via the internet.
A television reporter and cameraman were shot to death on live television Wednesday in Virginia by a gunman described as a disgruntled station employee. A second video of the shooting, recorded by the suspected killer, was posted on social media even as police tried to locate the suspect.
Twitter acted swiftly to shut down the account, and the precedent no doubt will cause social media companies to put in place rules to prevent future abuses of the internet. But not before a violation of social norms from which there's no turning back.
This is a new form of hostage-taking, in which the attention of a society is hijacked and held virtual hostage — with indelible images that can't be unseen.
Viewers may be sadly accustomed to carnage transmitted, live, from war zones and assassinations and street protests. We know how to avoid those images. But we are unfamiliar with the sensation of accidentally contributing to the spread of horrific images via social media accounts.
Taking a break from the internet might help for the moment, but the speed of information and graphic imagery is only moving faster and faster. As technology races ahead, we need to protect ourselves from ourselves.


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A judge ruled Wednesday that a Virginia woman has to pull down part of a negative online review of contractor who worked on her home.
The temporary injunction is of great interest to those who claim websites like Yelp and Trip Advisor harm their businesses.
The judge ruled that while defendant Jane Perez had the right to post negative reviews about a contractor she hired, she could not imply that he stole from her.
Attorney James Bacon displayed page after page of what his client claims were botched repairs at her Fairfax County townhouse in 2011, including a door hinge, what are said to be numerous bits of hair and dirt in a refinished floor, damaged windowsills and trash left behind.
Perez posted negative reviews about contractor Christopher Dietz on Yelp and Angie's List. But she also stated that some of her jewelry disappeared and that Dietz had the only other key to her house.
Dietz took Perez to court, claiming the review damaged his business. He is suing her for $750,000.
"People have the right to write a review that is honest and truthful," Dietz said. "If it's negative but it's true, that's fair. But when it's negative and untrue, that's not fair."
Perez says it's a matter of free speech.
After a three-hour hearing at the Fairfax County Courthouse, the judge said he felt the missing jewelry comments unfairly implied Dietz was a thief and ordered them removed from existing web reviews and not mentioned further.
"If we need to, we will appeal to make sure that people are not afraid to speak out and are not afraid to say what happens to them and what their experiences are for fear of being brought in to a very expensive lawsuit," Bacon said.
A date for the defamation case has not been set.


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I wrote recently about two Canadian giants, cable company Rogers Communications and telecommunications company Bell Aliant, planning to offer home security/home automation for the first time in Atlantic Canada this spring. And now Rogers has announced it's expanding the service in its Ontario footprint.
Rogers launched its Smart Home Monitoring in its cable footprint in Ontario in August 2011. And today, Toronto-based Rogers announced it is now expanding its offering to Ontario's "Golden Horseshoe." That's a region of southern Ontario that includes Greater Toronto and is quite densely populated, with about 26 percent of Canada's population calling the region home, according to Internet sources.
Rogers said its service now will be available to residents of the Golden Horseshoe, which includes Oakville, Lincoln, West Lincoln, Grimsby, Hamilton and the Greater Hamilton area, Burlington, Niagara Falls, Thorold, Pelham, Niagara-on-the-Lake, St. Catharines, Wainfleet, Welland, Fort Erie and Port Colborne.
Roger's offering, like Bell Aliant's NextGen Home Security, is professionally installed and monitored. Both offering are powered by California-based iControl's OpenHome software platform.
"We're thrilled to now offer Rogers Smart Home Monitoring to residents of the Golden Horseshoe," Ian Pattinson, VP and general manager, Rogers Smart Home Monitoring, said in a prepared statement. "Since we launched a year and a half ago, our customers continue to discover new system features that keep their homes and families secure while helping them better manage their daily lives for ultimate peace of mind."
The company said that customers' alarms are monitored by the Rogers Central Monitoring Station, "a 24/7, real-time monitoring service provided by certified security experts with over twenty years of experience in security, monitoring and emergency services."
RED WOOD CITY, Calif. and TORONTO—The home security penetration rate hovers around 18 percent in Canada, but players in a new partnership say they're going to change that. Home automation and control technology provider iControl and Rogers Communications, Canada's largest communications provider, on Aug. 30 announced a new converged home security, automation and control offering, which they say will raise that rate.
© 2020 United Publications ALL RIGHTS RESERVED.


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How To Go Through Divorce in South Shore Staten Island Unscathed
Divorce can be difficult. Possibly, no one knows that much better than the two parties associated with the legal coil of separation. Though a divorce is a mutual choice, it is not impossible that a person or both celebrations experience remorse, guilt, and disappointment over the damaged marriage. Who would desire to have their heart and marriage broken?
Contrary to what most people view divorce to be, it is not as cold and as computing. Divorce in South Shore Staten Island does not just involve court battles for kid custody and for home, it likewise a personal battle to fix a broken heart and restore the pieces of a damaged life.
Divorce impacts whatever, not just the domesticity but likewise the individual life. Divorce can be a big blow to one's self-esteem, not just as a man or a female however also as a decision-making individual. For a while, there would be sensations of doubts over one's capability to make the best choice and select the right person to invest the rest of one's life with. With injured celebrations or those taken advantage of by indiscrimination, a divorce can bring on sensations of insecurity over one's worth as a private and as a male or a lady.
Others feel the disappointment and the shock of having something like divorce happen to the household. This is especially true with people who have actually enjoyed close family ties or those whose parents have actually still stuck it out through thin and thick. For these individuals, divorce can be a time of bewilderment, wondering how something like this can occur.
By all intents and functions, a divorce can be downright untidy and mentally draining (not to discuss the reality that it can also be economically draining). If the 2 celebrations involve doing not make the effort to part as agreeably as possible, it can even turn awful. Here are some suggestions that may help you go through divorce untouched!
Require a time off to believe
Depending on the method the couple parted, divorce can be a meeting ground for a lot of unsettled problems and feelings, particularly anger. Prior to couples go through the process, it is much better to require time off to believe things through. This will help bring things in point of view and may even help them comprehend what occurred and maybe, eventually accept that divorce is something that they can not have control of.
Requiring a time off can be something as basic as taking a leave of lack from the workplace and basically just spending time in your comfort zones or something as elegant as cruising in the Caribbean and taking one relaxing trip. The time will assist them to believe and who knows, they may even realize that they can still make the marital relationship work!
Accept what can not be
Accepting that the divorce is unavoidable and might be for the best interest of all concerned will do marvels to the method couples deal with the entire divorce procedure. This may not be as easy to do as they believe. In truth, for some approval do not come at all up until a couple of years after the divorce. However still, one should make the effort to accept things as they are. This will make the divorce proceedings less painful.
Have a talk
Part of the problem with divorce battles in South Shore Staten Island is that couples have so much anger inside that they can not even sit down and discuss whatever. The majority of converse through the divorce lawyers while others punch it out over the phone.
(Unless of course, the divorce is so bitter that the 2 parties can not remain in one room together without attempting to eliminate each other! In cases like that, inform them to go take a vacation!).
Get a good lawyer in South Shore Staten Island.
Divorce legal representatives may understand the law to the letter however just few can handle cases with a level of sensitivity and finesse. It is very important that couples try to find attorneys who will not exacerbate the circumstance by developing unneeded stress. Harsh and abrasive treatment of the case can spell trouble for the case specifically when things reach delicate and vital concerns such as the department of homes and custody of kids.
A divorce in South Shore Staten Island is a shared choice, it is not difficult that one or both celebrations suffer from remorse, regret, and frustration over the damaged marital relationship. Divorce can be a big blow to one's self-confidence, not only as a lady or a male however also as a decision-making individual. With hurt parties or that taken advantage of by indiscrimination, a divorce can bring on feelings of insecurity over one's worth as a species and as a male or a woman.
Accepting that the divorce is inescapable and maybe for the best interest of all worried will do marvels to the method couples deal with the entire divorce process. (Unless of course, the divorce is so bitter that the 2 celebrations cannot stay in one room together without trying to kill each other!
South Shore Staten Island
Do not expose your family members to mental torture
South Shore Staten Island


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County Commissioners Appeal to State and EPA on Behalf of Frenchtown Technology and Industrial Center [AUDIO]
The Missoula County Board of Commissioners has released a letter to the State Department of Environmental Quality and the EPA regarding a proposed Superfund designation for the Frenchtown Technology and Industrial Center.
Ray Stillwell of M2Green Redevelopment met with the commissioners several weeks ago and worked with them to recommend to the State and EPA to address the contamination at the site through an Administrative Order on Consent, rather than a Superfund designation. The commissioners wrote that they "share the concerns of M2Green, and want to work closely with the owners, the State and the EPA to address the site cooperatively."
Stillwell and his firm have laid out an ambitious plan for the former mill site that includes not only industrial and manufacturing areas, but also a possible residential area along the scenic Clark Fork River. The site plan calls for open green space, river access for boats and fishing, and a possible area for light farming or other agricultural uses.
Stillwell says with cooperation from the county, clients are showing renewed interest. He says all the stakeholders involved are fully on board in helping the FTIC become a success. He expects to make an announcement soon with good news for Missoula County the Frenchtown community.
President of M2Green Redevelopment Ray Stillwell


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The jockeying for control of Botox maker Allergan Inc. is getting downright hostile — and even more bizarre.
Activist investor Bill Ackman called for a special meeting at which Allergan shareholders could potentially vote out the bulk of the Irvine company's board of directors. He wants shareholders to dump six unnamed directors.
It's the latest move by Ackman and Valeant Pharmaceuticals International Inc. to pressure Allergan to acquiesce to an unsolicited buyout offer. The hedge-fund manager and Canadian drug maker have teamed in a $53-billion joint bid to acquire Allergan.
"We believe the market has spoken and that shareholders see substantial value in Valeant's revised proposal," Ackman's firm, Pershing Square Capital Management, said in an SEC filing Monday. "To date, the board has refused to engage with Valeant in any way regarding a merger with Valeant."
Allergan thus far has been cool to the repeated overtures, and it prodded its shareholders Monday to do nothing.
"Allergan urges all of its stockholders to refrain from taking any action, including returning any proxy card sent by co-bidders Pershing Square and Valeant, until they have reviewed the recommendation of Allergan's board of directors," Allergan said.
The call for the special meeting is the latest gambit in an increasingly unorthodox takeover attempt.
The suitors initially called for a nonbinding shareholder referendum to force Allergan to the negotiating table. But they appear to have abandoned that plan amid concern that the referendum could trigger a so-called poison-pill takeover defense that would make their quest even more difficult.
J. Michael Pearson, Valeant's chief executive, reportedly said in a conference call that he would initiate a hostile tender offer if Allergan's board rebuffs him.
Allergan spurned an initial bid in April, prompting Ackman and Valeant to raise their offer twice. The latest came last week, even though Allergan hadn't yet responded to the first increase in offer price.
In the latest proposal, Valeant would pay $72 in cash and 0.83 share of Valeant stock for each share of Allergan stock. The cash offer is $23.70 higher than the original bid April 22.
Valeant retained a provision from its second offer related to future sales of a medication to treat an eye condition.
Valeant would pay Allergan shareholders up to $25 a share based on a sales target of Darpin, a medication in early stages of development. The company said it would invest up to $400 million and retain Allergan employees to develop the drug.


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"…[The Info-Manager product has] been invaluable on many projects. Some useful queries that come to mind are: New ways to look at on- time performance; travel time analysis; new scheduling tools; prescheduled window analysis; analysis of when customers made reservations; and more accurate view of vehicles in service simultaneously. The Run Cutter will be an essential tool."
- Priscilla Rao, Director, TARC Paratransit & Customer Service


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Countrywide/large-scale connected-care systems, including Scotland, U.S. military, Chile, Partners Healthcare, and five regional health information exchanges in the United States use InterSystems technology.
Leverage comprehensive patient information to create a seamless, coordinated care and management experience.
Deliver seamless care across regions and countries, improve public health, and control costs.
Accelerate development of complete solutions for intelligent healthcare devices.
Create innovative, scalable, interoperable healthcare solutions.
Improve operational efficiency and deliver value with advanced laboratory solutions
Leverage longitudinal patient data for innovation and clinical research.
Businesses use InterSystems unified and complete data platform to help manage risk, meet regulatory demands, streamline organizations, and transform their data into sound decisions.
Our scalable solutions help manage risk, keep pace with regulations, and turn data into insight.
InterSystems data platform is all that you need for any retail challenge, from building a web of interconnected data for online shopping to leveraging customer information to coordinating logistics.
lnterSystems data platform could be the digital backbone you need to build apps for energy demand management, resource planning, and integration of smart meters.
National and local governments around the world rely on our technology to keep cities connected and communities safe, and improve the lives of their citizens.
InterSystems data-management technology boosts effectiveness, speed & efficiency for public-service organizations worldwide.
The scalability and reliability of our technology make it ideal for research based on big data.
U.S. government agencies use InterSystems technology to improve performance, provide interoperability, and enable care coordination.
InterSystems IRIS for Health™ is the world's first and only data platform specifically engineered to extract value from healthcare data. It empowers developers to rapidly create and scale breakthrough applications for providers, patients, payers, labs, medtech, and life sciences.
HealthShare is a suite of connected health solutions based on a unified care record. It brings together the information that matters for providers, payers, and patients.
Improve the care experience for patients, improve the workplace for clinicians, and create a sustainable future for your organization.
InterSystems IRIS is the fastest way to build and deploy the most demanding applications. Our data platform provides rapid integration, high-performance simultaneous analytical and transaction processing, and open support for AI and machine learning tools. The InterSystems IRIS Experience lets you try InterSystems IRIS for yourself.
InterSystems Caché is a high-performance database that powers transaction processing applications around the world.
InterSystems Ensemble is an integration engine used to build connected applications.
Every one of our clients immediately gets help from somebody who is highly qualified and who really cares.
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Prove your skills by taking exams and earning certifications to demonstrate your mastery of our technologies.
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InterSystems University Outreach Program works with university and college faculty to enhance their curricula with InterSystems' products and technologies.
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Briar Johnson, you have your hands full.
As the newly elected chairman of the Pike County commission, you have the responsibility of managing a group of four commissioners for the good of all citizens of Pike. That cannot be easy, since some of your teammates seem dedicated to actions that appear to be for the county's good but will ultimately result in steps backward; serious damage to schools, people and property, and horrendously expensive litigation.
Kay S. Pedrotti
Paying attention to elected leaders in Pike County
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I have been looking through the lessons that are on the first few pages, and I was reading some of the tutorial descriptions. Teton hinted, more or less, that I should to a lesson on "how to draw lips". At first I said to myself, "I have lips". The truth is, I don't. I have some tutorials on different types of mouths, but nothing for straight lips. I can not tell you how much fun I had drawing out these lips. At first I didn't know where to begin because there is all different types of lips, which makes choosing the right ones to draw, mind boggling. I decided to draw a set of full lips for the main picture, and then a series of different other types holding expressions. If you where to ask me which was my favorite, I would have to say the lips in the thumbnail. Anyway, when you are done with this tutorial, you will have taught yourself "how to draw lips", step by step. When you are done you can use your choice of tools to shade in your mouths to dress them up a bit. I will be back later with more drawing fun, so stay tuned in.
DragoArt members upload artwork and drawing tutorials! They are also allowed to leave comments on tutorials, profiles, etc. Many more features, as well; it's way better than just being a boring guest! Register Now!


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Now it pays to Yelp.
The San Francisco-based review site is jumping into the location-based ad market full force. Yelp announced that it is upgrading its check-in service to allow businesses to offer discounts and freebies to users who check-in via its mobile app.
But iPhone users will have to wait for the new feature. Yelp's new check-in feature only works on Android phone, while the company is still waiting for approval from Apple to update its app and a Blackberry app is waiting in the wings.
The update pits Yelp head-to-head with Foursquare, who already allows businesses to give customers perks for checking-in.
It Pays to Yelp and Check-in
Now it pays to Yelp.


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kafi necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 63 diseños de 28 diseñadores freelance.
I need simple logo for domain and its subdomain (porada.sk and drak.porada.sk). This is for 2 year webpage using only my simple logo sofar.
See description for details.
Current logos can be find here:
porada.sk: http://www.porada.sk/images/porada_…porada.gif
spolu vieme viac
Desired Color Scheme:
light blue, dark blue and for
Desired Style:
soft, readable, neat, no havy design
Accepted File Formats:
psd and probably some vector graphic (if for printing purp. necessary)
Logo will be used for two level domain. porada.sk and drak.porada.sk
Current logos can be find here:
porada.sk: http://www.porada.sk/images/porada_…porada.gif
This logo will be used for webpage - advice exchange forum. People contribute advices and solutions.
Meaning of the site name (http://www.porada.sk) is something like "company board meeting", "meeting", "councel board".
It referr to event where staff meet to exchange news, propose new goals, suggest solutions etc.
TAGLINE for porada.sk is "spolu vieme viac" wich means "together we know more"
The main object in the logo should be "porada.sk" and other graphics part should subtile if any ( I like sedo.com logo for instance)
I like easy, soft and very readable logos .-)
Logo MUST be readably from distance clearly. No sofisticated graphics...
The color is set - light blue (for "porada") and dark blue for ("sk"), but you are free to bring new ideas.
Logo is prefered as it is in lower case but feel free to bring new ideas.
Then I need to attach another subdomain drak.porada.sk that is used separately and use also separate design style with main GREEN color. (see webpage).
drak part can differ also in font if it is convenient.
drak is acronym of words which are also tagline to drak.porada.sk
DRAK= "databáza rieenà aktualÃt a komentárov" which means "database of solutions, news and comments".
"Drak" also means dragon and I will later ask for dragon illustration that I plan to use all over site (you don't need to draw it now or later).
I like your jobs here on this site, so all submission are very appreciated :-)
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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At most advisor conferences, you can expect to hear speakers opine about the markets and the economy, to get practice management tips from consultants and peers, to receive retirement, tax and estate planning tips and to get updates from the conference sponsor about the state of their business. Oh, and there will usually be at least one session on compliance. All of that was in evidence at the first annual Shareholders Service Group national conference, being held in San Diego Wednesday through Friday of this week, but with a twist.
Compliance and the current state of advisor regulation was not a side issue at the SSG conference. It was front and center at the conference beginning with CEO Peter Mangan's welcoming address to the nearly 300 people in attendance at the conference, to former Schwab and Fidelity RIA chief Charles Goldman's speech and, no doubt, to the getaway session featuring inside-the-beltway expert Greg Valliere on Friday.
Mangan brought up the trust and fiduciary issue on Wednesday, suggesting that independent RIAs, including those affiliated with SSG, had an advantage with clients over the wirehouses and 'advisors' of other big institutions because of their trust-building fiduciary approach to serving clients. He also suggested that if FINRA really wanted to be the SRO for advisors that it might do well to oversee the corporate RIAs and the dually registered reps of broker-dealers rather than independent RIAs.
Goldman, now a consultant, addressed the possibility of a universal fiduciary standard for all advice-givers, but argued that it "would be criminal and unfortunate" if such an extended standard became rules-based, as the advocacy groups for brokers have suggested, rather than the principles-based fiduciary rule that RIAs have always operated under.
Some 75 or so of the 215 advisors at the conference attended a breakout compliance session on Thursday moderated by this AdvisorOne editor titled, "A Year in the (Compliance) Life of an Advisor." What is the current state of Dodd-Frank implementation? According to Kelli Capitano of National Compliance Serves, the SEC has taken about 75% of the steps required under the landmark 2010 Wall Street Reform and Consumer Protection Act, but some key issues remain unresolved. Among those unresolved issues were some pretty big ones, notably the possible extension of a fiduciary standard to brokers and a decision on whether there should be an SRO to oversee RIAs, said Capitano, an attorney who is VP of Investment adviser services at National Compliance Services Inc.
The other member of the compliance panel, Christopher Winn, founder and managing partner at AdvisorAssist, noted that there was a "self-preservation aspect" of FINRA's desire to be the SRO for advisors. In Goldman's speech later Thursday, he said Richard Ketchum and FINRA were "lobbying hard to become" that SRO, though Capitano pointed out that there remained a question of whether FINRA had the "skillset" to regulate RIAs. Goldman pointed out later that FINRA had admitted it didn't have the existing structure or expertise to regulate RIAs. In Congressional testimony last September, as previously reported by AdvisorOne, Ketchum, CEO of FINRA, pledged that it would build such a structure, "a separate entity with separate board and committee governance to oversee any advisor work, and would plan to hire additional staff with expertise and leadership in the adviser area."
The compliance session panelists addressed how another aspect of Dodd-Frank implementation was playing out: the 'big switch' of RIAs with less than $100 million in AUM from federal to state oversight. "The state regulators are being smart about how they deploy their teams" in handling what Winn said was "a level of activity that they've never seen before" with the several thousand advisors nationally making the switch. He's heard of a rush of exams of state-registered RIAs in the first two months of the year so the states can clear their schedules to accommodate the big switch. Since, Winn said, "field examiners are being called into doing registration work" at state securities commissions, there may very well "be a pause in exams this spring" since those field examiners are in the office rather than in the field.
In what should be good news for advisors moving to state registration, Capitano said that "states are reaching out to RIAs," and appear to be taking more of a risk-based approach to exams. Winn agreed saying he has been "pleasantly surprised by the outreach" of the states and even the responsiveness of the SEC to inquiries. Winn prompted laughter from the advisor attendees when he concurred with Capitano on states' kinder-and-gentler approach to exams in the short run. "Some states have even changed the name" of their exams in correspondence with advisors, Winn said, from 'audits,' to "'technical assistance' requests," reflecting a more collaborative approach to conducting exams.
However, Capitano said that "states will be prepared" to conduct exams, and that "they will find things that are wrong." Winn agreed, and suggested that advisors should always "do what you say" to stay on the right side of regulators. Among their suggestions to prepare for a visit from either SEC or state regulators:
- Winn recommended that advisors prepare and share with examiners a PowerPoint slideshow that describes the scope of their businesses
- Capitano suggested that to avoid running afoul of restrictions on testimonials and advertising that advisors "not forget that your website is advertising."
- Be aware, said Capitano, that if you're moving from Federal to state registration, if you are registered in different states, "you might have conflicts" between the requirements of the different states
- Winn suggested that you cross your t's and dot your i's as well. "Have a trade error log, even if you have never made such an error."
Read full coverage of SSG's 2012 Conference in San Diego at AdvisorOne.