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It is obvious to financial advisors and wealth managers that our profession has grown incredibly complex. What years ago was a business of rank-and-file individual stockbrokers or small, one-person financial planning shops has evolved into a profession focused on asset gathering and distribution, team-based consulting, relationship cultivation and holistic planning.
As the demands, regulations and expectations for the job increase, advisors are forced to continually upgrade their skills and knowledge. It's no longer enough to just stay current. Successful advisors are lifelong learners who challenge the status quo and who recognize that competence, knowledge, trust and ethics are baseline professional assets.
It is not possible to define an advisor's expertise and competence by one professional certification or designation. As advisor teams form based on specialties—portfolio management, asset allocation, alternative investments, legal, tax and estate planning, etc.—it's essential that individual advisors focus on their strengths and move beyond the generalist approach that may once have been an industry standard. In common with other white-collar professional fields such as law and medicine, success through specialization requires credentialing, sometimes from multiple sources. Where is your focus? High-net-worth families and holistic advice? Constructing sophisticated portfolios for individual clients? Managing and selecting asset managers to grow your clients' portfolios? One educational plan cannot accommodate all paths.
The financial advisory profession continues to shrink while the demand for our services continues to grow. Cerulli Associates forecasts advisor headcount to diminish through 2016 at a compound annual rate of 1.2%, meaning 18,600 fewer advisors in 2016 than in 2011. While many of these advisors are simply retiring, some are likely exiting the profession thanks to these increasing demands, and they're not being replaced with enough able and willing younger recruits. Clearly we must have a better way to train and retain new advisors if our profession is going to meet the needs of the boomers and their successors.
Benefits of Adding Expertise
While some might think the term "wealth management" is defined too loosely in our industry, top wealth management producers earn more credentials—and more compensation—along the way. The path of lifelong learning is the path to greater client retention and business success.
In April, Aite Group, an independent research and advisory firm focused on the financial services industry, studied financial advisors and the impact certifications have on their career success. Aite found that professionals who have earned IMCA's certified investment management analyst (CIMA) are more satisfied with their careers, gain more confidence after obtaining the certification, earn better compensation and manage more assets for higher-net-worth clients. Furthermore, 57% of CIMA professionals had at least one other designation, with the most common being a certified financial planner (CFP). Indeed, one-third of CIMA professionals surveyed by Aite also had a CFP designation.
Some other striking statistics of the value of CIMA, according to the study, include:
- Solo and team practices with CIMA professionals manage twice the assets per client and generate twice the revenue per client compared to other practices.
- Having more than one CIMA professional in a practice tends to open up the business to institutional clients (e.g., foundations, endowments and defined contribution plans). Practices with multiple CIMA certificants focus about 13% of their business on institutional clients.
- Most CIMA professionals, 84% of those surveyed, own at least part of their practice, compared to 57% of other advisors.
- Thirty-three percent of CIMA professionals surveyed earned more than $380,000, compared to 6% of other financial advisors.
Competition and the Need for Credentialing
Baby boomers and their parents have seen the creation of unprecedented wealth, and fortunes continue to grow as capital markets and business conditions rebound from the financial crisis. In fact, according to Spectrem Group's 2012 "Affluent Market Insights" report, there are an estimated 1.1 million households with a net worth of $5 million or more in the United States. While that number might give the impression that there are enough clients out there for all practicing wealth managers to have vibrant practices, the truth is that the battle for such clients is as intense as ever.
"Competition for high-net-worth clients is fierce right now," said Sophie Schmitt, a wealth management analyst at Aite Group. "Having a well-rounded practice is crucial."
While most advisors start their careers with little expertise and small-asset clients, as they progress, the need and desire—not to mention the domain knowledge and personal skills—to service high-net-worth (defined as at least $5 million in household net worth) clients become paramount.
With this audience, a generalist approach will only take the relationship so far. Unlike mass-affluent clients, whose focus is mainly wealth accumulation, and whose ongoing needs generally include budgeting, investments, tax, insurance, estate and retirement planning, servicing the wealthiest clients requires more resources and specialties.
This segment of the market often includes executives and owners of large corporations, both closely held and publicly traded, whose concerns go beyond those of someone who might have built wealth simply as a successful career employee and diligent saver. Issues at this level will include wealth preservation and distribution, complex tax, estate and business planning, multi-generational wealth transfers, and hedging of concentrated stock positions. For these clients, multiple points of expertise and credentialing across a wealth management team are needed.
The Real Definition of Wealth Management
An important part of serving high-net-worth clients is understanding what wealth management requires in terms of skill and intangible qualities, as well as credentials. Unlike doctors and lawyers, who generally have a narrow focus to their practice, it is unclear on the surface what specialization options are available to financial practitioners. On the other hand, for practitioners who have a particular focus in mind, the opposite problem might exist: The number of credentialing programs can be overwhelming.
When doctors or nurses elect to specialize in a field or discipline, many choose to pursue a voluntary certification path. They know that the certification they ultimately select will effectively measure (and convey to the outside world) their competency in this discipline, because all medical certification bodies meet prescribed standards for personnel certifiers. The Investment Management Consultants Association (IMCA) applies the same standardized processes as these medical certifications when we set competency standards for investment advisors (CIMA certification) and private wealth advisors (CPWA certification).
Per these standards, when IMCA set out to define the appropriate body of knowledge for private wealth advisors, we commissioned an exhaustive study of advisors who serve high-net-worth clients. These 400 advisors represented a variety of professions: accountants, financial planners, investment advisors, estate planners, private bankers and trust professionals, etc.
This job analysis study created a curriculum of topics and a comprehensive examination for the certified private wealth advisor (CPWA) designation. The certification addresses the knowledge and skill competencies that are most relevant to serving high-net-worth individuals in a financial advisor capacity, including:
Human Dynamics. This portion of the curriculum is focused on understanding the relationship between advisor and client. A team that puts ethics above all else, is competent in academic behavioral finance, and is comfortable understanding family dynamics sets a strong foundation for a practice.
Wealth Management Strategies. The heaviest weighting of the CPWA program is technical knowledge and skills in tax, portfolio management, risk management and asset protection strategies and techniques.
Client Specialization. Successful practitioners who serve high-net-worth clients must understand the unique challenges and issues of closely held business owners, public company executives or wealthy individuals entering or in retirement.
Legacy Planning. This portion of a practice is as much philosophical as it is technical. Charitable planning, estate planning and wealth transfer not only involve extensive legal craft, but thoughtful discussion and advice before the first document is ever drafted.
Through internal research from IMCA, whose board of directors I chair, we have found that our membership is asking for education in areas beyond the technical aspects of their job. They want to know the most effective way to communicate with high-net-worth clients; it's about dealing with emotions. We also found that good advice will rely on good partnerships with the right service providers. Lastly, on the topic of communication we were told that it is also important to use the right medium, whether it is web seminars, conference calls or something else.
In choosing the appropriate certifications, advisors must seek actionable knowledge. Financial theory might make for great debate, but may not always be practicable. Advisors should walk away from a class or conference and be ready to use what they've learned with clients when they return to work. For instance, there is a changing definition of risk moving from standard deviations to viewing risk as the potential loss of capital. As the job and financial markets get more complex, advisors must have the tools and be able to use them in making the complex simple.
The Need for Third-Party Regulation and Verification
While earning rigorous credentials as an advisor is extremely important, professionals must navigate a literal alphabet soup of options and determine which ones suit their career goals and will carry legitimacy with clients and peers.
Similar to higher education, where thousands of colleges of varying quality and prestige dot the American landscape, within the financial services industry there are more than 140 different certifications and designations. Significant differences exist between certificate programs, certification programs and university degrees, and they should not be considered equal when establishing financial advisory expertise. Some credentials take months and even years to attain, yet others can be completed in one weekend or simply bought and paid for.
The best way to determine legitimacy, value and authenticity of credentials is through a national or international standard designed for organizations that certify individuals, according to the American National Standards Institute (ANSI). The CIMA certification is accredited by ANSI. Fewer than 5% of certification bodies in financial services have completed any accreditation process for their respective personnel certification programs.
Getting certified takes time and energy, so it is important to choose the right program that fits your practice. Regardless of how one strikes the balance between lifelong learning and financial practice, the end game always comes back to why advisors enter the business in the first place: the clients. Finding the right mix of certifications and conveying the complexities of the job in a thoughtful manner will serve them—and you—best in the long run.


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Now that the election is over - but not politics - maybe its time to reflect on the health of the local economy.
And the news is looking positive.
Beginning with labor markets, average unemployment in La Plata has fallen more than one-half percentage point to 6.3 percent from a year ago. In addition, local unemployment rates are almost 2 percent lower than the state and national average.
In addition, the 12-month moving average for the La Plata County labor force was 31,692, or about 4.9 percent higher than the same time last year. Labor-force growth was positive in January 2011 for the first time since October 2008. However, the employment-population ratio in La Plata County has yet to return to pre-Great Recession levels.
Of course, unemployment rates dont tell the whole story. Much of our local jobs are in the service sector, and those jobs are generally lower-paying. Despite our reliance on the service sector, our average per-capita income has improved during the last few years, both absolutely and relative to Colorados per-capita personal income.
Personal per capita income in 2011 (most recent statistic available) was $40,673 in La Plata County, a decline of 0.62 percent from 2010, but it remains the highest in the Region 9 counties.
Additionally, while the states wages have grown an average of 2.6 percent from the first quarter 2001 to the first quarter of 2012, La Plata County total wages have grown an average of 4.4 percent during the same period, and average weekly wages have risen 3.5 percent compared to the state average of 2.5 percent.
Local inflation remains moderate through the second quarter of 2012, aided by moderate increases in the rental market. Low interest rates and falling housing prices have led to negative monthly mortgage payment growth, helping keep inflation rates low.
Tourism continues to play a significant, though declining, role in La Plata County: Leisure and hospitality accounts for about 9 percent of total income.
The OBER Tourism Index shows overall long-term tourism trends continue to rise, up 13 percent from the beginning of the recession in December 2007.
And real estate is continuing to show some improvement. The 2012 median inflation-adjusted home price in La Plata County combined is up about 19 percent from last year, though this is about 13 percent lower than the peak in 2008.
Total 2012 second-quarter home sales are up almost 21 percent compared with the past year, a sign that the housing market is starting to clear as owners accept lower prices. Currently, about 0.11 percent of homes are in foreclosure, compared to a Colorado state average of 0.17 percent and a national average of 0.14 percent.
The Office Business and Economic Research now tracks local bank deposits at five local and regional banks. Between 2009 and 2011 bank assets experienced negative growth, but they grew in the first quarter of 2012. And while total deposits declined in 2010, they have grown during the last two years.
firstname.lastname@example.com. Robert Tino Sonora is associate professor of economics at Fort Lewis College and the director of the Office of Business and Economic Research at Fort Lewis College.

subset: commoncrawl


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Oct 16 2008
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add whatever song you remember!
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Gutter Guards in Wayland, Michigan
With Gutter Guards installed by Hansons of Kalamazoo on your Wayland, Michigan home or building, your gutters will be zero maintenance! We have been installing top quality gutter guards since 1990. When it comes to Wayland gutter guards, Hansons of Kalamazoo offers quick and affordable installation. Stay safe on the ground while Hansons of Kalamazoo's gutter guards keep leaves and twigs out of your gutters.
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Brenner Children's pediatric emergency department has moved back to its original location. Learn more
In order to help protect patients, family members and health care workers from the spread of COVID-19, no visitors are allowed at any of Wake Forest Baptist Health's outpatient or inpatient facilities, except in certain situations.Learn moreMore COVID-19 Updates
Aside from seeing the telethon on Labor Day weekend, many people don't know much about muscular dystrophy. Yet a quarter of a million kids and adults are living with the disease, so chances are you may know someone who has it.
Muscular dystrophy (MD) is a genetic disorder that weakens the muscles that help the body move. People with MD have incorrect or missing information in their genes, which prevents them from making the proteins they need for healthy muscles. Because MD is genetic, people are born with the problem — it's not contagious and you can't catch it from someone who has it.
MD weakens muscles over time, so children, teens, and adults who have the disease can gradually lose the ability to do the things most people take for granted, like walking or sitting up. Someone with MD might start having muscle problems as a baby or the symptoms might start later. Some people even develop MD as adults.
Several major forms of muscular dystrophy can affect teens, each of which weakens different muscle groups in various ways:
The life expectancy (in other words, how long a person may live) for many of these forms of muscular dystrophy depends on the degree to which a person's muscles are weakened as well as how much the heart and lungs are affected.
In addition to doing a physical examination, the doctor will ask you about any concerns and symptoms you have, your past health, your family's health, any medications you're taking, any allergies you may have, and other issues. This is called the medical history.
Tests can help the doctor determine which type of MD a person has and rule out other diseases that affect the muscles or nerves. Some tests measure how nerves and muscles are working. Others check the blood for levels of certain enzymes, the proteins that cause chemical changes like converting food to energy.
A blood test can measure levels of serum creatine kinase, an enzyme that's released into the bloodstream when muscle fibers are breaking down. When serum creatine kinase levels are high, that indicates something is causing muscle damage.
Sometimes a muscle biopsy is needed. The doctor removes a small piece of muscle tissue and examines it under a microscope. If a person has MD, the muscle tissue will have some unusually large fibers, and some of the other fibers will show signs of breaking down. Finally, genetic testing can show if a person has Duchenne MD or certain other forms of muscular dystrophy.
There is no cure for MD, but doctors and scientists are working hard to find one. Some scientists are trying to fix the defective genes that lead to MD so they will make the right proteins. Others are trying to make chemicals that will act like these proteins in the body. They hope that this will help the muscles work properly in people with MD. Doctors are also dedicated to finding the best ways to treat the symptoms of MD so that kids, teens, and adults with the disease can live as comfortably and happily as possible.
Teens with MD can do some things to help their muscles. Certain exercises and physical therapy can help them avoid contractures, a stiffening of the muscles near the joints that can make it harder to move and can lock the joints in painful positions. Often, teens are fitted with special braces to help keep joints and tendons (the strong, rubber band-like tissues that attach muscles to bones) flexible. Surgery is sometimes used to reduce pain and increase movement from contractures.
Because we rely on certain muscles to breathe, some teens with MD need respiratory aids, such as a ventilator, to help them breathe. Teens with MD also might need to be treated for problems like scoliosis, which can be caused by weakened muscles or muscles that are contracting or pulling too tightly.
For some types of MD, medicines can help. Guys with Duchenne MD may be helped by a medicine called prednisone. Teens with myotonic MD might use medicines like mexilitine to relax muscles.
It's also important that people with heart problems caused by muscular dystrophy see a heart specialist regularly.
Teens have different experiences depending on the type of MD. One person might have weakened shoulder muscles and not be able to raise a hand in class. Someone might be unable to smile because of weak facial muscles. Another person might have weak muscles in the pelvis or legs, making it hard to walk from class to class. In some cases, you might not even be able to tell that a teen has MD.
For teens with MD, it can be hard to come to terms with the disease, especially because it gradually gets worse. For example, when someone who walks to class must start using a wheelchair in school, it can be a difficult adjustment. Support from doctors, family, and friends can make it easier to deal with MD. Changes like wider doorways at home and school can make it easier for teens with MD to do many of the things they enjoy.
If you know someone who has MD, there's a lot you can do to offer help and support. For example, some people with MD may need help getting books out during class or rides to and from events.
Often, people with illnesses that gradually get worse over time can start to feel cut off from friends, especially as their friends may be going out and doing more things while they feel like they're becoming more housebound. Try planning activities that include a friend, brother, or sister with MD, such as playing video games or watching movies at his or her home. Your friend or sibling will always be the same person — just more limited in movement.
Reviewed by: Rupal Christine Gupta, MD
Date reviewed: July 2014
© 2019 Brenner | Site Policies & Statements
The information on this Website is for general informational purposes only and SHOULD NOT be relied upon as a substitute for sound professional medical advice, evaluation or care from your physician or other qualified healthcare provider. If you have a medical problem or a health-related question, consult your physician or call Health On-Call at 336-716-2255 or 1-800-446-2255.


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Review in De:Bug for Toob remix pacakge
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Textura Review for the new Corrugated Tunnel single
Top marks from Data Transmission for Djamel's "Voyeurism"
Record of the Day on EQTV.DJ for Djamel
Data Transmission Review for "Transist" by Corrugated Tunnel
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Hot Press: "Best Irish Dance Record of 2011"
"Threadbare" gets 10/10 from Italia Network
Little White Earbuds reviews "Threadbare"
SQware's "Départ" floats Fonteyn's boat (Tilllate.com)
Radio Toob: Rich Thair's Frozen Pod Pt. 1
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Four stars for "Minor Obsessions" in The Star
Corrugated Tunnel is "not a sellout" (Irish Star)
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The Star (Ireland): "Tunnel of Love" on new Corrugated Tunnel album
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SQware in DMC Update's Zzub Chart
SQware in Phuture Traxx's Top 10 on Big Shot
Textura Review for SQware's "Départ EP"
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Interview with Corrugated Tunnel on 4clubbers.net
Rob Warner reviews Cørrugated Tünnel
Review for Corrugated Tunnel's album "Minor Obsessions" in Hot Press
HarderFaster Review for SQware's Départ EP
"The Rejection" by Corrugated Tunnel in 4clubbers Podcast
Beats and Beyond: "Corrugated Tunnel Has Only Minor Obsessions"
Terra.com announces Corrugated Tunnel album
Eletromúsica Brazil announces Corrugated Tunnel album
Raveline announces Corrugated Tunnel album
Resident Advisor on "Minor Obsessions" by Corrugated Tunnel
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Data Transmission reviews "Hypocrisy": 8/10
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Colder's "Heat" helped shape Monarchy's sound
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CloudBees is trying hard to cast a new virtual service delivery model with its "cloud-extended" enterprise strategy. The concept: Take a portion of public cloud to accelerate application development and delivery while continuing to make use of existing on-premise IT assets in a secure manner.
Surely this is just hybrid cloud computing renamed with a natty twist?
CloudBees has more buzzwords for us though — the firm says that enterprises increasingly recognize that the cloud lets them spin up and deliver new projects rapidly, work that many are referring to as "Fast IT" in motion.
"To meet today's fast-cycle business needs, companies need to unleash their 'Fast IT' — and they're getting this done by leveraging the public cloud," said Sacha Labourey, CEO and founder of CloudBees. "At the same time, they don't want to scrap their existing 'Core IT' investments. Using the CloudBees platform, enterprises can develop an app in the cloud, test it, stage it, and run it, but they can still leverage all their existing IT investments."
Of more substance perhaps are details of the firm's VPN to Jenkins. This new capability allows users of the CloudBees-hosted Jenkins service to connect via VPN to on-premise development resources, such as source code repositories, test databases and other development artifacts. Fast IT projects can use cloud-based resources for development, testing, and staging while securely accessing existing, on-premise enterprise investments.
Also of more substance than spin, there is Security Assertion Markup Language (SAML) support, where enterprises overwhelmingly use SAML-based identity and access management systems. To take advantage of cloud-based resources for Fast IT projects, they need to control access to their systems using their existing SAML investments. CloudBees now supports SAML 2.0 based authentication and authorization, which can be coupled with Role-based Access Control within the CloudBees hosted Jenkins service.
Finally, and again away from the marketing buzzwords, is [email protected] AppCentric Integration. This is CloudBees new data migration and synchronization service. [email protected] has been extended to simplify how [email protected] applications publish and subscribe to events from data and SaaS services.
Events from on-premise and hosted databases and services can trigger actions in applications hosted on [email protected] and vice-versa. CloudBees' recent acquisition of FoxWeave established CloudBees as the first PaaS vendor to offer services for SaaS application and data integration.


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Like Jackie Gleason's Buford T. Justice in 1977's Smokey and the Bandit, they're not giving up.
Alan Simpson and Erskine Bowles and released more of their updated deficit reduction plan, first announced in February, on Friday in an effort to gain bipartisan support.
The proposed plan "is smaller in scope and seeks to build on the $2.7 trillion in deficit reduction that the White House and Congress have agreed to since 2010," according to CNN Money.
That $2.7 trillion (which the White House estimates to be $2.5 trillion) does not include the sequestration cuts that went into effect in March.
Simpson and Bowles call those cuts "mindless" and think they threaten the economic recovery, according to the network. Consequently, they propose canceling 70% of the cuts for this year and next. Similarly, they recommend delaying most of their plan's deficit reduction until 2016.
But "back loading" the changes can mean a steep hit in later years, such as $500 billion in deficit reduction in 2023 alone, CNN notes.
It goes on to provide highlights of the new plan:
Debt reduction: $2.5 trillion in additional deficit reduction over 10 years is more than the $1.8 trillion that President Barack Obama called for in his 2014 budget, but less than the $5 trillion House Republicans want.
Taxes: The plan calls for "fundamental tax reform that lowers rates, reduces tax breaks and maintains progressivity. It would raise $585 billion in revenue for deficit reduction."
Defense spending: The plan would "undo most of the defense budget cuts this year and next. But it also would require that Congress achieve $220 billion of defense savings by 2023 relative to pre-sequester levels. It would cap defense spending growth at the inflation rate through 2025."
Domestic spending: As with defense spending, it would "cancel most of the nondefense discretionary budget cuts this year and next. But it also would require $165 billion of savings in domestic spending by 2023, compared with pre-sequester spending levels. And it would cap spending growth at the rate of inflation through 2025."
Medicare: Simpson and Bowles "will touch some nerves," according to CNN, with their proposals to curb spending on Medicare and other health spending by $585 billion over a decade.
For instance, they would slowly raise the Medicare eligibility age from 65 to 67 by the mid-2030s. But at the same time, they propose creating a "buy-in" option for 65- and 66-year-olds so they, too, could receive Medicare benefits.
Social Security: Lastly, CNN reports the plan calls on Congress to make the system solvent over the next 75 years. It also includes one specific and very controversial proposal: changing how annual cost-of-living increases are calculated for benefits, using the chained consumer price index to measure inflation. Obama's budget proposal does the same.
Read Obama Blasts 'Meat Cleaver' Cuts as Simpson, Bowles Release New Plan on AdvisorOne.


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Charles Schwab announced Thursday the launch of an exchange-traded fund platform, Schwab ETF OneSource, that offers advisors and retail investors commission-free access to 105 ETFs from six big ETF providers.
The new platform spans all 14 Morningstar asset-class categories, with funds from State Street SPDR ETFs, Guggenheim Investments, PowerShares, ETF Securities, United States Commodity Funds and Charles Schwab Investment Management.
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(SPY is not one of the ETFs available commission-free on Schwab ETF OneSource. To learn which 105 funds are available on the platform, visit schwab.com/ETFOneSource.)
As of Thursday, all Schwab clients who buy ETFs online through Schwab ETF OneSource will pay the same operating expense ratios that they would pay elsewhere, but without paying a commission.
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Tom Lydon, president of Global Trends Investments and editor and owner of ETFtrends.com, also called the Schwab launch a game-changer. Lydon predicted in a comment that the move "will transform the dynamics of the $1.4 trillion U.S. ETF business" to the same degree that Schwab's no-transaction-fee mutual fund platform, OneSource, changed that market 20 years ago.
"The commission-free service will dramatically lower the cost of using ETFs for [retail] investors," Lydon wrote. "The platform will also make ETFs more attractive to financial advisors who are increasingly using the low-cost investment products in place of mutual funds and individual stocks."
Forcing a Commission-Free Move by Other ETF Providers?
Ron DeLegge, editor of ETFguide.com and an AdvisorOne contributor, predicted that Schwab's inclusion of outside ETF providers on its commission-free platform would force competing brokers to do the same.
"From another angle, this will force ETF providers who are not on commission-free platforms to either jump on or risk losing potential assets," DeLegge said in an email. He added that the Schwab move sets the stage for ETFs to completely up-end the 401(k) business. "The obstacles of high trading costs have been removed."
This is not the first time that a financial services firm has offered commission-free ETF trading to its investors, but the new platform offers the most commission-free ETFs available, spanning major asset categories from leading providers.
Schwab itself already offers its own ETFs on a commission-free basis. And TD Ameritrade in 2010 launched its ETF Market Center for long-term investors and affiliated RIAs that included 101 commission-free ETFs picked by Morningstar. However, TD Ameritrade requires participating advisors to hold the ETFs in an account for a minimum of 30 days, and advisors who trade the ETFs before the 30-day period incur a $19.95 charge.
A leader in the retail ETF market, Charles Schwab had $152 billion custodied on its platform as of Dec. 31, and the commission-free Schwab ETFs had $8.6 billion in assets as of that date. In September, Schwab announced dramatic cuts of up to 59% for the expense ratios of all 15 Schwab ETFs, reflecting a trend last fall toward lowering such fees that also included such firms as Vanguard and BlackRock.
One Schwab advisor client, Lawrence E. May, a registered investment advisor with Strategic Wealth Management Group of New York, said he was thrilled with the no-commission offering. Previously, May has offered clients all-Schwab, zero-commission ETF portfolios, but now he has 105 ETFs to choose from, he said.
"Our advisor clients are helpless when it comes to pulling the trigger. They don't have time to manage all these ETFs," May said, noting that his actively managed ETF portfolios offer no transaction fees and low expense ratios.
Previously, May would pay an $8.95 commission on every non-Schwab ETF he traded through Schwab.
'Investors Can Trade In and Out 100 Times a Day'
"Investors can trade in and out of these ETFs 100 times a day, and they won't pay a commission," said Peter Crawford, head of Schwab's Client Solutions group, in introducing the new platform. "This isn't a gimmick. There are no gotchas here. This is sustainable."
Representatives for all six of the ETF providers now available on OneSource were on hand at the press conference, and all six expressed enthusiasm for the market reach that their partnership with Schwab offers.
Citing the statistic that only 17% of retail investors at Schwab are currently invested in ETFs, Will Rhind, managing director of precious metals provider ETF Securities, spoke of "the huge growth potential" that the new platform delivers to his firm.
Similarly, U.S. Commodity Funds Chief Investment Officer John Hyland said the ETF industry is maturing, so while a number of firms and funds are likely to consolidate or shut down this year and next, more investors will get into ETF investing as education improves and people learn more about the product.
"People may underestimate the significance of today's news," Hyland said at the Schwab press conference. "It's all about distribution to the end user, and this is a very efficient way to do it."
Check out AdvisorOne's InsideETFs 2013 enhanced landing page for more ETF-related stories.
Read Vast Majority of Advisors Will Increase ETF Use in 2013: Guggenheim at AdvisorOne.


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Sunday, October 12
A Plantain is Not a Banana
The above picture is not a super ripe banana. (Though I have a couple of those on my counter begging to be baked into a banana bread.) It's actually a perfectly ripe plantain.
Though used primarily as a vegetable, a plantain, like a banana, is a fruit that can be used in both savory and sweet dishes depending on its level of ripeness. When still green, a plantain is hard and starchy, like a potato. As it ripens, the peel turns nearly black, while the flesh becomes yellow and sweet. Fully ripe plantains are soft and creamy in texture, emit a mild banana fragrance, and are supremely sweet. Plantains take several days to ripen, so if you want to cook some soon then buy ones that are already blackened in the supermarket.
How is a plantain different from a banana?
1. Plantains are much firmer and heavier than bananas.
2. Plantains have a lower sugar content than bananas, making them less sweet.
3. Plantains should be cooked, whereas bananas can be eaten raw. Note: My friend Aparna who lives in India, noted that certain sweet plantains can be eaten raw. Thanks, Aparna!
4. Plantains can be cooked when still green and not fully ripe, for a starchier consistency and less sweet flavor, or when blackened and fully ripe, for a softer consistency and sweeter flavor. Bananas, however, cannot be eaten when green or unripe, unless you want to experience a distinctly unpleasant chalky aftertaste.
Plantains are a staple in many South American, African, and Asian countries; fortunately, they're gaining status in the US as well. That's a good thing since they're so versatile: they can be boiled, baked, sauteed, and fried and work in dishes ranging from appetizers to desserts.
In the States, many plantain recipes are Cuban or Mexican in origin and feature ingredients such as chiles, honey, lime, and brown sugar. Plantains make an easy and delicious side dish especially with Baja style fish tacos.
Here's how to peel a plantain:
1. Cut off the top of the plantain.
2. Using a sharp knife, gently cut lengthwise along the plantain, being careful not to cut into the fruit (as shown above).
3. Using your hands, open the skin, remove from the plantain and discard.
4. Slice plantain into equal sized pieces (as shown below).
You'll notice when you slice a plantain, that the fruit is a pinkish-yellow. As it cooks, however, it will magically turn a deep, rich gold color, while the flesh becomes creamy.
I usually saute plantain slices in a little olive oil or butter until lightly caramelized and douse them with some Tabasco sauce and lime juice. Today, however, I opted for a slightly sweeter take. Caramelized plantain slices are drizzled with warm, rich honey, and sprinkled with cayenne pepper and lime juice, for a singular sweet and tangy flavor.
Caramelized Plantains with Honey and Lime
Serves 4
Print recipe only here.
2 fully ripe plantains
2 teaspoons olive oil
2-3 teaspoons quality honey
1 lime, cut in half
salt and cayenne pepper, to taste
Pour olive oil in a large non-stick skillet until evenly coated and place over medium-high heat. Add plantain slices in a single layer (do two batches, if necessary). Cook plantains for 1 minute, flip over, and cook 30-60 seconds, or until browned. Keep your eye on the plantains as they'll brown very quickly. Remove from the pan, and place on a paper-towel lined plate. Cover with foil until all plantains are cooked.
Place plantains on a serving platter. Drizzle with quality honey, then sprinkle with lime juice, salt and cayenne pepper, to taste. Serve immediately.
You might also like:
Fresh Pineapple Chutney
Roasted Root Vegetables with Maple Sage Glaze
Elote, or Mexican Grilled Corn
Fresh Fig and Fennel Pizza
Anna's Bajan Plantain Pikelets (they're like pancakes) with Rum-Butter Sauce at Morsels and Musings
Suganya's Plantain Rice Mix at Tasty Palettes
Gretchen Noelle's Baked Plantains in Orange Sauce at Canela & Camino
I'm sending my plantains to Amy and Jonny of We Are Never Full, this week's hosts of Weekend Herb Blogging, created by Kalyn of Kalyn's Kitchen.
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50 comments:
- Peter G | Souvlaki For The Soul said...
I love plantains, especially the way Brazilians cook them. This is a nice simple recipe Susan!
- October 12, 2008 at 3:39 PM
- Jersey Girl Cooks said...
These look so good. Growing up, we had a few Cuban neighbors and they always made these.
- October 12, 2008 at 4:06 PM
- The Italian Dish said...
Wow. I love plantains. This is a little twist on the usual. I'm going to try it. Thanks.
- October 12, 2008 at 6:06 PM
- Mishmash ! said...
Susan, this preparation is a fav of many Keralites, includin me.....we use ghee (clarified butter) for roasting and either drizzle honey or sprinkle sugar....it is heavenly....i am so surprised to see this here :)
- October 12, 2008 at 7:27 PM
- Lydia (The Perfect Pantry) said...
I love making tostones -- in fact, I bought a little tostone press at the Latino market in South Providence, just for the fun of smooshing the tostones with it!
- October 12, 2008 at 8:24 PM
- Manggy said...
We do have bananas that are very similar to plantains here; I hope to share a few great ways of cooking them in the future! (But of course, fried is always a popular option! ;)
- October 12, 2008 at 8:34 PM
- Susan @ SGCC said...
I just love plantains, though I usually make them the way my old Cuban roommate taught me. I really like what you did with them.
- October 12, 2008 at 8:35 PM
- Rosa's Yummy Yums said...
I love plantains. They are so versatile and interesting! Your dish looks really good!
Cheers and have a nice week,
- October 12, 2008 at 9:01 PM
- MyKitchenInHalfCups said...
You've done them just the way I love them!
Very gorgeous. I love lemon but somehow lime with these is so perfect.
- October 12, 2008 at 9:57 PM
- Núria said...
How interesting Susan! Here we have bananas and plátanos and also male bananas (used for cooking only). I wonder how translations would go here: would a plantain be a plátano? We eat plátanos and are better than bananas.
What a mess!!!!
- October 13, 2008 at 5:30 AM
- Deeba PAB said...
I've seen plantains so often but never wandered near them...now all you've written about them is enticing me to try it, especially the tabasco & lime version. Mouth's watering Susan!
- October 13, 2008 at 6:22 AM
- Kalyn Denny said...
Great post! I've only had plantains once (in Miami) but they were delicious.
- October 13, 2008 at 7:00 AM
- Stacey Snacks said...
I love you.
I love your blog, it was the first blog I ever found on the internet and read religiously.
However, there is just one food I can not eat or stand the smell of: BANANAS.
I am sure the plantain has the same odor? Don't be mad at me.
It's the ONLY thing I won't touch! I will eat anything else you make!!!!
- October 13, 2008 at 7:06 AM
- Aparna Balasubramanian said...
I was just going to say what Mishmash said. :) Our traditional cooking uses both bananas and plantains in so many different preparations.
Just wanted to mention something, Susan.
Ripe plantains can be eaten without cooking. Some of the varieties we get here are very sweet.
Green/ raw bananas cannot be eaten but they can be cooked. We also have a variety of banana which is green when raw and ripe which is very sweet.
- October 13, 2008 at 8:49 AM
- Karen said...
The recipe sounds delicious. Very informative post!
- October 13, 2008 at 10:14 AM
- Deborah said...
I've tasted plaintains before, but I've never been adventurous enough to cook with them. This sounds so good, though!
- October 13, 2008 at 10:34 AM
The carmelized plantains with honey and lime sound like a nice balance of sweet, sour and spice. I am still trying to love plantains, and this recipe might do the trick.
- October 13, 2008 at 12:36 PM
Thanks for the informative post on plantains. I love learning new information about foods.
- October 13, 2008 at 12:50 PM
- Ivy said...
Wow, it seems that I am the only one who never heard of plantains before and I realize every day how little I know about food. Thanks Susan, for the lovely post.
- October 13, 2008 at 12:54 PM
- Peter M said...
We have quite the Caribbean community and they are responsible for my introduction to them...delish!
- October 13, 2008 at 1:32 PM
- Susan from Food Blogga said...
peterg-Thank you!
lisa-I'd love to have Cuban neighbors so I could be invited over for dinner! ;)
marie-Hope you like it!
shn-I have never made ghee, but I should.
lydia-You bought a tostone press? That is so cool!
mark-Who doesn't like them fried?
susan-Thank you!
rosa-Thanks so much!
tanna-Lime strikes just the right acidic touch.
nuria-It sounds like a plantain would be a plantano. But what's a "male banana"? Are we lost in translation here? ;)
deeba-Try them next time! They're great.
kalyn-I had them there too... at a Cuban restaurant, of course.
stacey-No worries! If you don't like 'em, you don't like 'em. I just won't tell me Dad, cause he'll think it's just too weird. ;)
Thanks for the sweet words!
aparna-Thank you for telling me that. I've never had them that way before, but I'll make a note in the post! :)
karen-I'm glad you like it.
deborah-They're so easy. Hope you try them!
lynda-Let me know if it does!
hilary-I'm so glad you found it helpful.
ivy-There's so much to learn every day for all of us!
peterm-Caribbean food is fabulous!
- October 13, 2008 at 2:36 PM
- Cookie baker Lynn said...
Ooh, thanks for this informative post. Now I need to go find a plantain to try.
- October 13, 2008 at 2:52 PM
- Salt N Turmeric said...
Susan, I love plantain! In Malaysia, we have something that looks similar that we call pisang (banana) tanduk (horn) because of the shape.
Here, I usually just deep fry (battered) or make banana fritters or last but not least, coat them with egg, deep-fry and then chilled them in sugar syrup overnight. Heaven! lol.
- October 13, 2008 at 6:27 PM
- Unknown said...
Indonesia has various plantain and banana trees. When I was quite young, I was often confused to differentiate one another, which one is for desserts and which one is specialty in cooking or baking or pudding (banana cooked a while in a coconut and palm sugar scented with pandan leaves? how does that sound?). Plantain or bananas? I guess, I don't mind :)
- October 13, 2008 at 7:00 PM
- Jaime said...
i LOVE fried plantains... but i've never had them w/honey and lime...thanks for the idea :)
- October 13, 2008 at 7:20 PM
Totally fabulous. I am addicted to Plantains! If you are up in Costa Mesa sometime try Habana's Restaurant, excellent plantains and Cuban food.
- October 13, 2008 at 7:42 PM
- Rachel said...
Wow, lime and seasoning with ripe plantains...this I need to try!
I make a batter coated deep fried snack using ripe plantains,, Check this http://tangerineskitchen.blogspot.com/2008/09/ethakaappamplantain-fritters.html.
- October 13, 2008 at 10:30 PM
- bee said...
in south india, we use a lot of green plantains too - in most recipes they work in lieu of potatoes
lovely pics.
- October 13, 2008 at 11:11 PM
- Meeta K. Wolff said...
oh I have not had a plantain for ages. we used to have them a lot when i'd visit my grandparents in india! it's hard to find them here. i still love the idea of caramelizing them!
- October 14, 2008 at 1:28 AM
- Emily said...
I'm crazy about plantains!
- October 14, 2008 at 2:36 AM
I hate to admit it, but I've never had plantains before. This recipe looks wonderful and I really enjoyed having all the information about them (thanks!). I'll try them as you suggested; on the side of a fish taco meal. Sounds like a great dessert.
- October 14, 2008 at 5:21 AM
- The Short (dis)Order Cook said...
I love Carribean flavors, so I definitely love seeing new and different plantain preparations.
The only thing I ever learned from Ingrid Hoffman is that putting the plantain in the freezer before peeling them makes them much easier to peel.
- October 14, 2008 at 7:34 AM
- s. said...
loved reading it
thank you
- October 14, 2008 at 7:48 AM
- Lori Lynn said...
Ooh, the lime and cayenne are really calling me!
- October 14, 2008 at 9:37 AM
- Mike of Mike's Table said...
I love sauteed or fried platains. They're spectacular and this sounds like a great twist on them. When I first was exposed to platains, I just thought they were like bananas with a stubborn peel. My coworker never quite let it go that I thought I could just eat them like a banana...lol
- October 14, 2008 at 12:30 PM
- Darius T. Williams said...
Looks good - I love a great plaintain! Love it!
- October 14, 2008 at 1:26 PM
- Big Boys Oven said...
looks so delicious...... just like to put my finger into it!
- October 14, 2008 at 4:45 PM
- Elle said...
Another yummy food to try...never had plaintain. Sweetie had about 37 different kinds of bannanas and their relatives when he lived in the islands of the Pacific, but I only know the grocery store bannana, so far. With this recipe that will surely change.
- October 14, 2008 at 8:43 PM
- We Are Not Martha said...
I've been thinking about doing something with plantains forever now but never seem to get around to it. This looks amazing and has been bookmarked! Might be my first plantain recipe :)
- October 14, 2008 at 9:20 PM
- T.W. Barritt at Culinary Types said...
I love the glossy, golden finish on those plantains. And the addition of honey would be lovely.
- October 15, 2008 at 3:15 AM
- Debbie said...
Glad to find that recipe. Now I can try to cook a plantain. I've had some at work that my coworkers have brought in but never tried to cook one myself.
- October 15, 2008 at 4:26 AM
- Patricia Scarpin said...
I ate grilled plantains sprinkled with cinnamon sugar when I was in Bahia in 2001. It was delicious, Susan! Haven't eaten again ever since, though. :(
- October 15, 2008 at 5:54 AM
- Chris said...
I am a huge fan of plantains! And this is a simple recipe I can get into. Yummmm!
- October 15, 2008 at 11:05 AM
yup...love plantain too, great for fritters with honey and cream,delish! but honey and lime sounds delish too :)
- October 15, 2008 at 11:26 AM
- Heather said...
mmmm i love plantains. i had so many plantains when i was in costa rica this summer. this looks lovely! honey and lime are so good together ;)
- October 15, 2008 at 12:07 PM
- Cakelaw said...
Interesting facts about plaintains. I don't think we do much with Plaintains here in Oz, because until I started blogging, I'd never heard of them. They sure look good once cooked.
- October 18, 2008 at 2:42 AM
hey Susan, glad you love plantain! My fave!! Take a look at this post I did on them too! :
- October 18, 2008 at 12:39 PM
- Ashley said...
Ooh I love plantains but have never made anything with them at home. This looks great!
- October 19, 2008 at 5:35 PM
- Susan from Food Blogga said...
lynn-Hope you do!
snt-Oh, my, banana fritters sound heavenly! I've got to try that. Thanks!
arfi-I'd love to see them growing on the trees. Isn't it interesting how each of us has such a different perspective?
jaime-You'll love them!
marc-I will. Thanks!
rachel-Yum! I will check it out. Thanks.
bee-That makes sense.
meeta-I've never had them in an Indian restaurant, though I'd like to.
emiline-Me too!
gffg-Oh, you've got to try one!
sdoc-Huh. I haven't tried that.Thanks though!
sukhada-You're welcome! Thanks for visiting.
lori lynn-They called me too!
mike-That's funny. ;)
bbo-Glad you like it.
elle-I only have the grocery store kind too, but they're good.
wanm-Great! I hope you like it!
tw-I enjoyed taking the pics too.
debbie-They're easy, so I'm glad to help!
patricia-That would be fabulous!
zita-Gotta make those fritters.... :)
heather-That must have been lovely.
cakelaw-They really are good.
ashley-I hope you try them. They're really easy to make.
- October 24, 2008 at 12:08 PM
Yay, I knew that! Carribean cooking makes a lot of use of plantain in its cuisine. It's just a shame they're not as freely available here in the UK.
Thanks for the thumbs up on my risotto!
- November 5, 2008 at 5:40 AM


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|Methane metabolism - Reference pathway
|Methane is metabolized principally by methanotrophs and methanogens in the global carbon cycle. Methanotrophs consume methane as the only source of carbon, while methanogens produce methane as a metabolic byproduct. Methylotrophs, which are microorganisms that can obtain energy for growth by oxidizing one-carbon compounds, such as methanol and methane, are situated between methanotrophs and methanogens. Methanogens can obtain energy for growth by converting a limited number of substrates to methane under anaerobic conditions. Three types of methanogenic pathways are known: CO2 to methane [MD:M00567], methanol to methane [MD:M00356], and acetate to methane [MD:M00357]. Methanogens use 2-mercaptoethanesulfonate (CoM; coenzyme M) as the terminal methyl carrier in methanogenesis and have four enzymes for CoM biosynthesis [MD:M00358]. Coenzyme B-Coenzyme M heterodisulfide reductase (Hdr), requiring for the final reaction steps of methanogenic pathway, is divided into two types: cytoplasmic HdrABC in most methanogens and membrane-bound HdrED in Methanosarcina species. In methanotrophs and methyltrophs methane is oxidized to form formaldehyde, which is at the diverging point for further oxidation to CO2 for energy source and assimilation for biosynthesis. There are three pathways that convert formaldehyde to C2 or C3 compounds: serine pathway [MD:M00346], ribulose monophosphate pathway [MD:M00345], and xylulose monophosphate pathway [MD:M00344]. The first two pathways are found in prokaryotes and the third is found in yeast. As a special case of methylotrophs, various amines can be used as carbon sources in trimethylamine metabolism [MD:M00563].


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KDE Celebrates 10 Years of the Free Desktop
Yesterday at 10:00 AM the president of the KDE e.V. Eva Brucherseifer welcomed the audience of the presentation track at the KDE anniversary event at the Technische Akademie Esslingen (TAE) in Ostfildern near Stuttgart, Germany. Keynote speakers were Matthias Ettrich, founder of the KDE project, as well as Klaus Knopper of Knoppix fame. During their presentations they looked back at KDE's successful past 10 years and they offered their thoughts about the future of KDE and Free Software.
Jono Bacon, Canonical's community manager of Ubuntu / Kubuntu, congratulated KDE with his own presentation about Kubuntu and KDE. Jan Mühlig from Relevantive and Daniel Molkentin, KDE e.V. talked about Usability and KDE 4. In the afternoon the audience of the presentation track met for a group photo and celebrated the event with sparkling wine and a big birthday cake. Even our Konqi mascot of the project was present - this time made of marzipan, right on the top of the birthday cake.
Right after the afternoon break the presentation track continued with a speech from Heinz-M. Gräsing from the city of Treuchtlingen who gave some insights about the successful migration of Treuchtlingen to KDE.
The presentation part of the anniversary was concluded by Knut Yrvin, community manager at Trolltech, who surveyed the KDE 10 Years raffle together with Eva Brucherseifer. As prizes Trolltech offered a Qtopia Greenphone and Open Source Press offered Daniel Molkentin's new book about Qt4 programming.
Further KDE people arrived at the TAE in the evening when people met in the cottage for a delicious big "italian" dinner. We clinked glasses later at midnight when the date turned into the actual anniversary.
The KDE project would like to thank the speakers of the presentation track, the Technische Akademie Esslingen, Trolltech and Open Source Press for their support of the whole event. A special "thank you" goes to the confectioner who created that awesome marzipan dragon for the cake. And of course we would like to thank all the people who were not able to attend the event and who sent their nice wishes to the KDE Project.
Congrats Konqi!
Nice party, I hope more countries had parties for themselves.
I'm not sure if its a trend, but the stuffed konqies I've seen over the years tend to get more fluffy and basically younger looking. This one on the cake is just cute and looks like a dragon of 10 years! (assuming they get to live at least to a hundred)
New marketing slogan? "We just keep on looking younger!"
By Thomas Zander at Sat, 2006/10/14 - 5:00am
10 years of nice desktop!
This reminds me when first time I tried Linux... KDE 1.x was the only desktop used, and since that I always use KDE as my desktop, KDE 2.x, and all of KDE 3 series plus now KDE 4 from svn. In 10 years we have already seen this project growing in every aspect. Wish all the best for the project and also for all great developers, contributors, artists and all people involved. Thanks for all your work!
From forever fan of KDE.
By fredy at Sat, 2006/10/14 - 5:00am
I just want to say Happy Anniversary for all involved in KDE, and a big 'Thank You' to all who have made KDE desktop possible. You guys rock!
A proud KDE user, of course :)
By Derek R. at Sat, 2006/10/14 - 5:00am
Happy 10 years KDE and Konqui
It's also my personal 10 years of linux this year.
By JC at Sat, 2006/10/14 - 5:00am
Ten years already?
Oh, dear... Do I feel old? Yes, I do. I read the original announcement and wondered what the fuss was about... I mean, nobody would ever need more than fvwm1 and a couple of xterms, right? And then -- the system requirements were insane! No way the first verison of KDE would run on my 8MB 486 workstation!
Little did I know...
By Boudewijn Rempt at Sat, 2006/10/14 - 5:00am
My photos
If you are interested, here are some of my photos from celebration:
By Thomas Fischer at Sat, 2006/10/14 - 5:00am
Re: My photos
By Anonymous at Sat, 2006/10/14 - 5:00am
Re: My photos
Disclaimer: No, although I look really devilish / devourish on that photo, there was absolutely no harm being done to any small green marzipan dragons at the party. Actually in that picture I successfully saved his life by moving Konqi carefully with the fork from the cake to the plate.
By Torsten Rahn at Sat, 2006/10/14 - 5:00am
Re: My photos
Thanks. It was nice to see friends, people I've met and those I've yet to meet there. It wasn't exactly convenient to hop another trans-Atlantic flight to be there but I would have loved to. As it happens it falls on my wedding anniversary so I told my wife "happy KDE day" this morning. ;-)
By Eric Laffoon at Sun, 2006/10/15 - 5:00am
Re: My photos
Hey, look at these faces:
Mosfet has the biggest picture, where is he now?
By reihal at Tue, 2006/10/17 - 5:00am
KDE -- you are the best!
Happy Birthday KDE! I love you!
Where I would like to see you improve -- Please, Please Please implement support for OSX style application bundles -- it would make it so much easier for me to make distributable packages for you if you would support them.
Don't pay attention to the clueless dorks who are suggesting that you should switch everything from C++ to something else, use GTK libs or reimplement everything to be a GUI front end to CLI commands -- those are incredibly bad ideas. You are pretty much perfect the way you are (especially on openSUSE). Next steps should be to make yourself more accessible for non-core Qt/KDE developers. Adding support for a flexible packaging scheme like the bundles used on OSX would go a long way towards that.
By Paul Koshevoy at Sat, 2006/10/14 - 5:00am
Re: KDE -- you are the best!
By Philip Rodrigues at Sat, 2006/10/14 - 5:00am
Re: KDE -- you are the best!
Klik seems about right -- but until the support for klik packages is integrated at the core of KDE it's still useless to me, because I can't count on every possible user having klik installed.
Honestly, klik seems like an overkill -- a simple agreed upon .app directory layout with support for Info.plist and resources (icons, etc..) would have been enough. I mean, what's the server for? Why is mounting required?
Is it possible to specify supported file/document types that a particular application package can handle? Is it possible include icons, templates, localization files and other resources into a klik package, and will they be automatically recognized by KDE? Can I add a klik package to the KDE applications menu?
That's the sort of integration that is necessary.
By Paul Koshevoy at Sun, 2006/10/15 - 5:00am
Re: KDE -- you are the best!
what's the server for?
is not really neccesary, just nice to have a lot of software available in one click.
Why is mounting required?
that's how MacOS X does it.
Klik is one package in one file.
Is it possible to specify supported file/document types that a particular application package can handle?
Is it possible include icons, templates, localization files and other resources into a klik package, and will they be automatically recognized by KDE?
Can I add a klik package to the KDE applications menu?
By AC at Sun, 2006/10/15 - 5:00am
Re: KDE -- you are the best!
Cool, although I think you are mistaken about OSX mounting the .app bundles. It can mount .dmg images that may contain bundles inside of them, but the .app directories are not mounted. All it does is look inside the .app directory in predefined places for the info file, the executable, the frameworks and resources.
BTW, if KDE4 will be ported to OSX natively then support for .app bundles will be necessary anyway in order to be able to launch native OSX applications from konqueror.
By Paul Koshevoy at Sun, 2006/10/15 - 5:00am
Re: KDE -- you are the best!
OSX does mount .app bundles, you just don't notice it. it's the way they work. you do know osx generally doesn't 'install' apps like linux tools like rpm normally do, isn't it? well, the only other doable way is mounting it like klik does...
By superstoned at Sun, 2006/10/15 - 5:00am
Re: KDE -- you are the best!
>>OSX does mount .app bundles, you just don't notice it.
Thats a huge difference between linux and macos: linux shows everything it does, while macos hides it all.
By AC at Sun, 2006/10/15 - 5:00am
Re: KDE -- you are the best!
No it doesn't mount them.
Look, I am running a Terminal.app on my iMac right now, building Qt 4.2.0:
And here is the output of the mount command:
As you can see the Terminal.app is not mounted
By Paul Koshevoy at Sun, 2006/10/15 - 5:00am
Re: KDE -- you are the best!
Are your sure?
Read this:
"2. Next, you want to mount the image. However you do not want the system to be notified of the mount, so you must used the -nomount command."
As said earlier, MacOS hides the mounting of the image.
By AC at Mon, 2006/10/16 - 5:00am
Re: KDE -- you are the best!
You are confusing a .dmg file with a .app bundle. A .dmg file is a disk image (like a .iso), it can contain anything, not necesssarily a .app bundle. You can mount a .dmg image, but the applications that ship with OSX are not installed as .dmg images, but as straight .app bundles.
By Paul Koshevoy at Mon, 2006/10/16 - 5:00am
Re: KDE -- you are the best!
A single image file (the klik image) is generally far easier to move around than a directory with bunches of files in it. With klik you would only have to move a single file around, but with a .app folder there isn't a practical way to distribute it over http or other file transfer protocols without putting it into an image file (say a .dmg). Since the mounting/unmounting of klik images is done automagically by the klik association it really is totally transparent to the user, though hopefully in the future FUSE will remove the need to even edit the fstab file.
By Corbin at Mon, 2006/10/16 - 5:00am
Re: KDE -- you are the best!
Also, OSX does show mounted .dmg files which you can see for yourself using the mount command any time you have double clicked on a .dmg file.
By Paul Koshevoy at Mon, 2006/10/16 - 5:00am
klik, .dmg and .app
the difference between .app and .dmg is minimal. Basically, .app ("application directory") is an extracted .dmg (or .dmg is a compressed archive of an .app directory structure).
As such, .app and its subdir structure does not need mounting (in this point you are absolutely right), it just needs to be there. A .dmg needs mounting precisely, because mounting lets it look like it is part of the complete file directory system (instead of a single file, which it is if un-mounted.)
A klik bundle can easily be extracted, and then it simply becomes an .app-lik sub-directory structure, from where you can run the application without mounting.
More info about klik here: http://klik.atekon.de/wiki/index.php/User's_FAQ
A question to the KDE community: what happened to previous promises to integrate a klik-friendly client structure into KDE4's core? Ya know, things like support for automatic integration of klik app images into the K menu (and their removal if a .cmg is deleted), display of app-specific icons that are glue-ed to the klik .cmg file, and more goodies?
By AC at Mon, 2006/10/16 - 5:00am
Re: klik, .dmg and .app
In the time honoured fashion of FOSS - what's stopping ya? You want it done - go to it!
By anon y mouse at Tue, 2006/10/17 - 5:00am
CFBundles and NSBundles are folders
.app bundles are just folders in OS X
my point, something like that does not even need to be mounted, it can still be installed the linux way, and anywhere you want it, usually in the /Applications folder though. If anything got mounted other than the .dmg, then you could never unmount the .dmg without unmounting what the .dmg is using, same rule applies to Mac OS classic (9.2.2 and below). another thing, anything that is supermounted, appears on the desktop, btw, darwin tends to supermount all volumes in the /Volumes folder, which isn't that different than HAL on linux 2.6 is doing. I plan on doing research on the apple interface builder format (.nib files) and write knib which can make, modify, and view nib files, also if you havent known yet, the code for CFBundle is in CoreFoundation Lite, thus we can use bundles on linux, I plan to learn objective c and make a cocoa style wrapper for kde sometime that wraps around CF-Lite, btw, I am ready to make a slackware 11 packageand an rpm and a deb, I have the compatibility headers too, the ones that are needed to build cf-lite, and I have a successful build of cf-299.33, even better than on apple's site, I not only have libCoreFoundation.a, but also libCoreFoundation_debug.a and libCoreFoundation_profile.a too, and the headers are all set up, even including AssertMacros.h, AvailabilityMacros.h, and TargetConditionals.h, from darwin 8.0, intel. yes, CF built nicely. I have even tested it on gentoo, in order to link with it, you need to add these -L/usr/include/CoreFoundation -L/usr/include -I/usr/include/CoreFoundation -I/usr/include -lpthread -lm -lCoreFoundation to gcc while building a program or library linked against libCoreFoundation, note: these instructions are for working with my build only, the apple build stores the stuff in /tmp/CoreFoundation.dst/usr/local instead of /usr, so make adjustments accordingly if you choose to build it yourself.
By kram32768 at Thu, 2007/01/04 - 6:00am
Congraturation! KDE 10th anniversary!
Korea KDE Team, we also had the party to celebrate KDE 10th anniversary. :)
I wish KDE that would be present to the world's people.
Our photo is in http://socmaster.homelinux.org/~jachin/57, my personal blog.
(Our team site also will be renewal.)
By Cho Sung-Jae at Sun, 2006/10/15 - 5:00am
Re: Congraturation! KDE 10th anniversary!
That is soooo way cool :-) Could you please blog about it (if possible in english as my korean knowledge is rather non-existing ;-) on planetkde.org ?
BTW: What happened to the kde.es party?
By Torsten Rahn at Sun, 2006/10/15 - 5:00am
Congrats ! and well done !
I am proud of you and KDE, a successful non-anglo-american FOSS project.
My wish for the next 10 years ?
Thanks again, and looking forward to the next 10 years,
By Uwe at Sun, 2006/10/15 - 5:00am
Re: Congrats ! and well done !
why do people want KDE to drop the best free software rendering engine there is, and adopt a far slower, more bloated, harder to mantain and less complete rendering engine??? firefox and OO.o should be burned to the ground, and be forgotten as soon as possible. both share the same problems, created by their history. they where proprietary apps, developed by a few and just for a few people. not modular, clean, transparant and wel-documented like most (no, of course not all) free software. enormous amounts of money have already been spend on cleaning them up, and still they lag behind free-software-from-the-beginning like khtml and Koffice.
from every 10 bucks you spend on OO.o, 9 go into 'shit how and where does it do this' instead of usefull development.
in free software, darwinism plays a big role. and darwinism mosly favors the BEST. sorry OO.o, sorry firefox/gecko.
By superstoned at Sun, 2006/10/15 - 5:00am
Re: Congrats ! and well done !
Drop Konqueror? Bill, is that you?
By Erik at Sun, 2006/10/15 - 5:00am
Re: Congrats ! and well done !
> I am proud of you and KDE, a successful non-anglo-american FOSS project.
KDE is an international project, as is evidenced by the comments here. It's about bringing people together. I live in the US and my software is part of the KDE release packages. I would not want to think I wasn't part of KDE or that it wasn't successful here. There are key people in KDE living in North America and I'm proud that we are part of the unifying thinking of KDE of providing great software to all people. When we are celebrating KDE we should not be divisive. KDE is about bringing all people together for a common goal and not about excluding people for petty bias.
By Eric Laffoon at Mon, 2006/10/16 - 5:00am
Congratulations to the KDE team!
KDE 3.5.x is the best! B)
By Darkelve at Sun, 2006/10/15 - 5:00am
Nice laptop
no words need to be added.
By Marc Driftmeyer at Sun, 2006/10/15 - 5:00am
Simply... amazing...
Hey team,
Happy 10th birthday. Thank you,no really, THANK YOU, for such a great desktop enviroment. I can't wait for the day when I can make my contribution to this stable, beautiful, ever-evolving desktop without which i (literally) gag.
Congratulations again.
By George Ssali at Mon, 2006/10/16 - 5:00am
Party photos
I took a few more photos at the party in the evening:
By Will Stephenson at Mon, 2006/10/16 - 5:00am
:D congratulations!
long live KDE! woohooo! keep up the great work on the best Linux desktop environment! you rawk dudes! :D
By zero1 at Thu, 2006/11/02 - 6:00am
Happy Birthday KDE!
Thanks to all the developers out there working on KDE and the Linux community for their work and unifying people and machines worldwide.
By Tony at Thu, 2006/11/09 - 6:00am
Very good job! !You are the best!!
Hi! Team,
Happy 10th birthday!!Very good job!!You are the best!!
By Roberto Ramos Corona at Mon, 2006/12/11 - 6:00am
Felicitaciones KDE
Os envio las primeras felicitaciones en español que les hestaba faltando. Los felicito por estos 10 añoz y estamos para ayudarles no se olviden. Suerte!!!!
By Tomas at Mon, 2007/02/05 - 6:00am
Cool KDE just never stops getting better!
I say that "KDE Rocks" and the 10th anniversary is a wonderful thing. I'd love to contribute when I sharpen my programming skills!
By Will Castro at Thu, 2007/02/22 - 6:00am
a Happy birthday to you from egypt
if KDE wasn't born i wont be using Linux right now, i would be paying $$$ for buggy feature-less os and another $$$$ for its feature-less applications
By Hossam at Sat, 2007/03/03 - 6:00am
Sto Lat! (Polish birthday song)
Sto lat, sto lat, Niech żyje, żyje nam.
By Boyle M. Owl at Fri, 2007/08/17 - 5:00am


text: Friday, November 02, 2012 CMS Releases Home Health Prospective Payment System Final Rule for CY 2013 On November 2, the Centers for Medicare and Medicaid Services (CMS) released the final rule for the Home Health Prospective Payment System (HH PPS) for Calendar Year (CY) 2013. The rule finalizes a reduction in rates of 1.32%, which is approximately a $10 million decrease to payments for the home health 60-day episode for CY 2013. Of specific importance to physical therapy, CMS finalizes 3 revisions regarding the requirement that a qualified therapist complete a functional reassessment of the patient at the 14th and the 20th visit, and every 30 days. First, CMS finalized its proposal that if a qualified therapist missed a reassessment visit, therapy coverage would resume with the visit during which the qualified therapist completed the late reassessment, not the visit after the therapist completed the late reassessment. Second, CMS finalized its proposal that in cases where multiple therapy disciplines are involved, if the required reassessment visit was missed for any one of the therapy disciplines for which therapy services were being provided, therapy coverage would cease only for that particular therapy discipline. Third, CMS clarifies that in cases where the patient is receiving more than one type of therapy, qualified therapists must complete their reassessment visits during the 11th, 12th, or 13th visit for the required 13th visit reassessment and the 17th, 18th, or 19th visit for the required 19th visit reassessment. However, CMS also states in instances where patients receive more than one type of therapy, if the frequency of a particular discipline, as ordered by a physician, does not make it feasible for the reassessment to occur during the specified timeframes without providing an extra unnecessary visit or delaying a visit, then it will still be acceptable for the qualified therapist from each discipline to provide all of the therapy and functionally reassess the patient during the visit associated with that discipline that is scheduled to occur closest to the 14th Medicare-covered therapy visit, but no later than the 13th Medicare-covered therapy visit. Likewise, a qualified therapist from each discipline must provide all of the therapy and functionally reassess the patient during the visit associated with that discipline that is scheduled to occur closest to the 20th Medicare-covered therapy visit, but no later than the 19th Medicare-covered therapy visit. The final rule reflects APTA's comments urging CMS to maintain the current "close to" language. In addition to the revision to the therapy functional reassessment requirements, CMS also finalizes its proposal to allow a nonphysician practitioner in an acute or post-acute facility to perform the face-to-face encounter in collaboration with or under the supervision of the physician who has privileges and cared for the patient in the acute or post-acute facility, and allow such physician to inform the certifying physician of the patient's homebound status and need for skilled services. Lastly, the rule includes extensive provisions regarding the Home Health Conditions of Participation and provides several avenues for home health agencies to meet the survey and certification requirements and lays out CMS' remedial actions if violations are found when surveys are conducted. The final rule will be published in the Federal Register on November 8, 2012. APTA will post a summary of the final rule shortly.


text: Thursday, June 21, 2012 CDC: More Adults Meeting Physical Activity Guidelines Slightly more than 48% of adults aged 18 and older met the 2008 federal physical activity guidelines for aerobic activity in 2011, the highest percentage ever reported, says the early release of estimates for 15 selected health measures by the Centers for Disease Control and Prevention's (CDC) National Center for Health Statistics (NCHS). As age increased, the percentage of men and women who met the guidelines decreased. In all age categories, women were less likely than men to meet the recommendations. In addition, just over 20% of adults met the guidelines for both aerobic and muscle-strengthening activities. For 2011, 8.9% of adults aged 18 and older reported having been diagnosed with diabetes, which was not significantly different from the 2010 estimate of 9.2%. The prevalence of diagnosed diabetes increased with age for men and women combined. For the age groups 55-64 and 65 and older, men had a higher prevalence of diagnosed diabetes than women. The age-sex-adjusted prevalence of diagnosed diabetes was 12.4% for non-Hispanic black people, 12.0% for Hispanic people, and 7.0% for non-Hispanic white people. Other measures in the report include lack of health insurance coverage and type of coverage, having a usual place to go for medical care, obtaining needed medical care prevalence of smoking and alcohol consumption, and receipt of vaccinations. CDC published the measures prior to final data editing and final weighting to provide access to the most recent information from the 2011 National Health Interview Survey (NHIS). The estimates will be updated as each new quarter of NHIS data becomes available.


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text:
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These Website Terms of Use will be governed by English law and the parties hereby submit to the exclusive jurisdiction of the English courts.