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Advent Software (ADVS) just wrapped up its yearly conference, which drew more than 1,300 guests. At the Sept. 18-20 event, the company shared a new logo, cloud-based platform and upgrades to its portfolio management platform.
In other tech-centric news, SunGard Financial Systems said Wednesday that it is rolling out a new financial planning tool.
Advent's staff were ecstatic about the high attendance at its recent 30th anniversary event, noting that several tech and financial services VIPs were there, including from CEB TowerGroup, Focus 1 Associates and Ashland Partners.
"I am thrilled to welcome so many valuable clients and partners to the most important AdventConnect we've held to date," said CEO Pete Hess, in a press release last Wednesday. "This is a critical time for the industry we serve with major regulatory, macroeconomic, and technology shifts continually evolving the way investment managers do business."
The software maker says that Advent Direct, its new cloud-based platform for investment managers should allow them to boost efficiency by bringing together "disparate solutions and workflows" in operations, from front to back office.
"With the launch of Advent Direct, we are helping our clients succeed by leveraging the benefits of cutting-edge technology and combining them with the quality and reliability they expect from Advent," said CTO Todd Gottula, in a statement. "We believe Advent Direct will be a game changer for the industry and for our clients' business success."
With Advent Direct, clients should be able to use social technology to reach helpful content and contacts, according to the software maker.
"The new Advent Direct Community empowers the community of Advent clients, partners and employees to unleash the sharing of ideas, opinions and insights," said Anthony Sperling, executive vice president, global client experience for Advent Software, in a press release.
At its confab, Advent also unveiled both a new logo and redesigned website.
"Our new identity is a visual commitment to remain our clients' steady partner to help them thrive in the dynamic and evolving landscape, which, after 30 years, we are uniquely positioned to help them navigate," Hess said.
More Tools
As for updates to its Black Diamond portfolio management, reporting and rebalancing platform, the software maker says it added new data mining capabilities and more ways to integrate information for RIA custodians and other clients using CRM systems (like Salesforce, trading platforms and analytic tools.
"We've more than doubled the Black Diamond development team since joining forces with Advent two years ago and with that fuel added to our engine we have been able to innovate on many fronts simultaneously, including both internal capabilities and external integrations," noted Dave Welling, senior vice president and general manager of Black Diamond, an independent business group of Advent Software, in a statement.
Advent also beefed up the multi-custodial rebalancing tool, so it includes tax awareness capabilities, like cost-basis integration, the handling of allocations to separately managed accounts and the rebalancing of those investments alongside other securities in one location.
"Adoption of the Black Diamond rebalancing solution since [its] general availability last year has been tremendous, with more than a quarter of our client base now having access to the workflow to automate what has traditionally been a complicated manual, time-consuming and error-prone process," Welling noted. "The recent enhancements are based on the fantastic level of engagement and input from the clients we have using the platform, and we will continue to enhance the platform based on their feedback."
Black Diamond also recently added new integration to BlazePortfolio's ATOM Align, a cloud-based rebalancing and trade-order management solution, and a data-mining tool to let clients to query, analyze and access their own data in more aggregated ways on the platform.
The data-mining tool aims to provide advisors with better efficiencies for compliance monitoring, platform maintenance, research, ad hoc reporting and advisor/business intelligence.
"With fully reconciled, high quality, aggregated data on the Black Diamond platform, our clients now have even more flexibility to access and query their data right at their fingertips," said Welling.
Some of Black Diamond's custodial clients are Fidelity, Pershing, Raymond James (Investment Advisors Division), Schwab Advisor Services, TD Ameritrade Institutional and Trust Co. of America. It is also used by some 460 advisory firms with $180 billion in assets. Advent's technology has been used by over 4,400 firms in nearly 60 countries, according to the company.
SunGard's Latest Launch
SunGard Financial Systems said early Wednesday it released WealthStation Plan Track, a tool that lets advisors compare how clients' financial projections compare to their actual performance over time.
"Investors are seeking more transparency around the performance of their financial plans over time," said Jennifer Valdez, senior vice president and general manager, wealth & retirement administration business for SunGard in a press release.
"WealthStation Plan Track helps advisors quickly adjust financial plans as needed to track to goals, thereby helping to demonstrate their value to clients and strengthen relationships through more frequent engagement opportunities to discuss the plan's progress," she added.
The tool is able to:
- Combine data from different financial planning tools and show how account values assigned to financial goals may change in the future;
- Work with a range of deviation above or below the projections or actual values; and
- Trigger alerts or corrective actions for deviations the advisor determines to be material.
"One of the biggest demands clients have is a desire for a holistic and tailored financial plan," said Darrin Courtney, research director, CEB TowerGroup, in a statement. "Whether it is a custom plan, an on-demand report or collaborative access to their portfolios, clients will be driving the way they interact with their advisors, the firms that employ them and the technology required to meet their ever-increasing needs."
In August, SunGard introduced MyRetirement income calculator to give participants in employer-based defined contribution plans the ability to determine sustainable spending amounts throughout their retirement years.
A web-based component of SunGard's WealthStation Financial Planning, MyRetirement combines probability tools with Monte Carlo analyses to illustrate annual withdrawal rates from multiple model portfolios at different probabilities of success.
Check out Firm Valuation: There's a Web App for That on ThinkAdvisor.


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Listings in Ancient Coins and Platinum Bullion in Fremont, Newport Beach, Sherman Oaks, Montrose, Napa and Escondido
London Coin Galleries
Business Contact: Tami Dickason
in World Coins, U.S. Coins, Silver Certificates, Silver Bullion, Platinum Bullion, Paper Money, Obsolete Notes, Gold Notes, Gold Coins, Gold Bullion, Federal Reserve Notes, Confederate Notes, Brick & Mortar, Ancient Coins
London Coin Galleries of Newport offers an eclectic and diverse inventory that you are sure to find interesting. Offerings will satisfy the novice and experienced collector alike.
4533 Mac Arthur Blvd
Newport Beach, California 92660
United States

subset: commoncrawl


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The North Frisian island of Pellworm is situated in the Schleswig-Holstein Wadden Sea National Park. It's a real insider's tip for holidaymakers and offers mudflat tours to the neighbouring Hallig islands and much more besides.
Natural beauty, peace and tranquillity and above-average hours of sunshine. These are just some of the qualities of this 37km² North Sea island with its distinctively rural feel and friendly locals. An island in harmony with the tides, Pellworm experiences the ebb and flow of the Wadden Sea every six hours. When the sea bed is exposed at low tide, the island's visitors can venture out into the world of the coastal wetlands. A 90-minute walk, taking in mussels, mudflat worms and crabs along the way, finishes up at the Hallig island of Süderoog, which – together with the Hallig island of Südfall – is administrated by Pellworm's local council. If you'd prefer not to cross the mudflats alone, you can always follow the postman, as even in this remote spot the post is always delivered on time!
And yet Pellworm is a place free from hustle and bustle all year round – there is an infectious quality to the down-to-earth calm and tranquillity of this island and its inhabitants. The total absence of any loud noise is sheer bliss for holidaymakers. In addition to the hugely popular mudflat excursions, the island has some fabulous trails for cycling and Nordic walking. And the bracing North Sea air will do you the world of good. The island is impossible not to love, and it even has a place for you to seal your own love – Pellworm lighthouse, where weddings have been conducted since 1998. As befits any proper North Sea island, all weddings are rounded off with a traditional captain's ceremony.
Dvi naudingos klavišų kombinacijos, skirtos keisti mastelį naršyklėje:
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Mažinti: +
Daugiau informacijos rasite naršyklės leidėjo žinyne paspaudę šią piktogramą:


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Listings in Concerts, Outdoor Sports, Pilates, Residential, Sporting Goods and NONPROFIT or 501(c)3
Aerial Observers, LLC.
in SECURITY and SAFETY, Roofing, Residential, RESIDENTIAL SERVICES, Outdoor Sports, MARKETING and SALES, INSURANCE, INDUSTRIAL, ENVIRONMENTAL, ENGINEERING SERVICES, ENERGY/UTILITIES, Concerts, Commercial, CONSULTING, CONSTRUCTION, COMMERCIAL CONTRACTING
Aerial Observers, LLC. is a veteran owned and operated small business specializing in aerial videography, photography and User Interactive 3D Virtual Tours by Matterport for residential and commercial real estate, inspections and special events.
Woodstock, Georgia
United States
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Hornes Real Estate Group
in Residential, RESIDENTIAL SERVICES
Realtors® and US Army & Air Force Veterans who give back to their communities. Contact us to find out how!
250 Heritage Walk
Woodstock, Georgia 30188
United States
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HomeShield Inspection Services, LLC
in Residential, RESIDENTIAL SERVICES
We are a locally owned company committed to providing an array of exceptional Home Inspection services to ensure you are ready to take the next step for your home. at
Marietta, Georgia
United States
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Rollors Game Company
in Sporting Goods, RETAIL, Outdoor Sports, Gift Shop, ARTS/ENTERTAINMENT
Rollors game company manufactures a fun outdoor yard game for the entire family. The game of Rollors fuses bocce ball , horseshoes and lawn bowling into one game.
PO Box 971
Destin, Florida 32540
United States
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Fax: None
Slim & Swim LLC
in Weight Loss, Outdoor Sports, Health/Wellness
Personal training and swimming lessons at your location. Private and semi-private.
1025 Rose Creek Drive
Ste 620-156
Woodstock, Georgia 30189
United States
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CitruSolution Carpet Cleaning - West and South Cobb
in Residential, RESIDENTIAL SERVICES, Commercial, CLEANING
Carpet Cleaning with a twist (of citrus). We use a powerful citrus solvent over your entire carpet to simultaneously dissolve spots while mechanically removing pet hair, dust and dirt from your carpet fiber. Dries in hours (not days) and smells great
Marietta, Georgia
United States
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The Bear of Real Estate - Think Melissa Team
in Residential
3405 Dallas Hwy
Suite 720
Marietta, Georgia 3064
United States
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Fax: 770-240-5404
Francis Business Consulting, LLC
in TRANSPORTATION SERVICES, TECHNOLOGY, Residential, RESIDENTIAL SERVICES, PUBLISHING and PRINTING, NONPROFIT or 501(c)3, LODGING/TRAVEL, INDUSTRIAL, FOOD/BEVERAGE, FINANCIAL SERVICES, EDUCATION/TRAINING, Commercial, CONSULTING, CLEANING, ARTS/ENTERTAINMENT, AEROSPACE and DEFENSE
Francis Business Consulting, has been providing clients personalized tax and accounting services for 15 years. With our certified training and expansive financial knowledge, we are equipped to handle all of your accounting needs.
4922 Parke Brook Drive
Acworth, Georgia 30101
United States
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Veteran Car Donations
Veteran Car Donations is a national organization that partners with well-known veteran nonprofits to accept vehicle donations on their behalf. Donations are used for improving the lives of Untied States veterans.
United States
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in NONPROFIT or 501(c)3, EDUCATION/TRAINING
VetToCEO provides mentoring and training for entrepreneurs. Our programs were designed by veteran entrepreneurs and are facilitated by veteran entrepreneurs. This is a free online program exclusively for verified members of the military and veterans.
1750 Powder Springs Road
Suite 190, PMB 219
Marietta, Georgia 30064
United States
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Fax: 888.801.2313


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Introduction to the Garden
Visited by state guests
How to Get to the Garden
Bum-Young Sung, the Farmer
Farmer's Frontier
What a farmer thinks
Wife of a Farmer
Healing Buffet
The World's Top 3 Coffee
Secret Garden
Garden Party
Cocktail Party
Dinner Service
Photos of Various
Incentive Tour
Garden Wedding
Inquiry for Reservation
Garden News
Visited celebrities
Visitor's story
[China] Luo hao cai, Vice Chairman, Chinese National Political Consultative conference
[China] Hu jin tao, The President of the People's Republic of China
[China] Huang ping, President of Consular Company, Ministry of Foreign Affairs of the Peop…
[China] Hua Jianmin, Li bin, former Chinese Ambassador to the Republic of Korea
[China] Brotherly Garden, Baifoyuan, Shanghai, China, Xu sihai, Director (Intangible Cultu…
[China] He junlke, Secretary of Central Secritary Office of the Communist Youth League in …
[China] He zhen liang, Executive Member of Chinese IOC (Honorary President of Chinese IOC)
[China] He yong, Minister of Ministry of Supervision of the People's Republic of Chin
[China] Han chang fu, Minister of Ministry of Agriculture of the People's Republic of…
[Republic of Korea] Han, Min-gu, The 36th Chairman of the Joint chiefs of staff, Korea
[Germany] Verfassungsschutz Hasso von Samson
[Brunei] Haji Hassanal Bolkiah, Sultan and Yang Di0Pertuan of Brunei Darussalam
[U.S.A] Peter Strens, Vice-President of George Mason University
[Italy] Francesca Benetoju / President of Architecture Association in Italy
[China] Fu quan youl, Chairman of Joint Chiefs of Staff, Chinese Army
[U.S.A] Paul KIM, Vice Chairman Asia, PDI World Group, LLC
[China] Peng pei yun, President of Red Cross of China
[China] Feng guo qin, President of Political Conference of Shanghai City
[Vietnam] Pham da vinh, Vice-minister of The Ministry of Foreign Affairs (economy) and Tra…
[Vietnam] Phan Quang Nghi, Secretary of Hanoi Communist party, Vietnam
[China] Pan Zhenzhou, Vice Minister, Ministry of Culture of the People's Republic of …
[China] Fan jing yi, Chief Editor of People's Times
[China] Pan yue, Deputy Director of SEPA, China
[Mongolia] TUMUR-OCHIR Sanjbegziin Ministry of Education (Culture, Science) Vice-minister
[Russia] Representative Keulryuseu, Kondakoba, Enpyodobeu, Rejonik
[Germany] International Delphic Council,IDC. Christian Kirsch
[France] France Crec Alex (Priest)
[U.S.A] Kathleen Stephens, U.S.Ambassador to Korea
[U.S.A] Dr. Carole Neves, Director, Office of Policy and Analysis Smithsonian Institution
[China] Zuo xue jin, President of Consular Company, Ministry of Foreign Affairs of the Peo…
[China] Chi hao Tian. Minister of Ministry of Defense of the People's Republic of Chi
[China] Cheng si wei, Chief of Committee of Commerce, National People's Representativ…
[China] Chen jian, Vice Minister of Ministry of Commerce of the People's Republic of …
[China] Cao jian lin, Vice of Minister of Ministry of Science and Technology of the People…
[China] Cao gang chuan, Minister of Ministry of Defense of the People's Republic of C…
[China] Jin ren qing, Director of Administration of National Tax
[China] Ji pei ding, President of Chinese Diplomatic Annual Conference
[Jordan] middle east university presidents (jordan, morocco, Syria, Egypt)
[Canada] John Revel RPF Forester Canada
[Republic of Korea] Chung Ui-Hwa, Vice Speaker, the National Assembly of the Republic of K…
[Republic of Korea] Chun Doo-hwan, Former President of South Korea
[China] Zhou sheng xian, Director of SEPA
[China] Zhao li hong, Vice President of Society of Authors and Writers of Shanghai, China
[China] Zhao nan qi, ice Chairman, Chinese People's Political Consultative Conference
[China] Zah quang hua , Director of Grneral Administration of Customs of the People's…
[U.S.A] Jack S. Sustic, Director of National Bonsai Museum America (7th visit)
[China] Jiang ze min, President of the People's Republic of China
[China] Zhang shu sheng, Vice Chief of the 11th National People's Representative Conf…
[China] Zhang xue bing, Deputy Mayer of Shanghai(Director of Public Peace)
[China] Zhang xiao gang, President of An Shan Steel Group
[France] Jean Paul Leo, French Ambassador to Korea
[China] Zhang guo liang,, President of Literal Times of China
[Republic of Korea] Lee Hoi-Chang, Former leader of the Grand Nation Party
[Republic of Korea] President Lee, Charm Tourism Organization, President Takawa Hiromi, JT…
[United Kindom] England Ian Hindmarch, Emeritus Professor of Human Psychopharmacology, Uni…
[Republic of Korea] Baeyoung-Lee, Chairman, Presidential Council of on Nation Branding
[Republic of Korea] Hun-hee Lee, Samgung group chairman
[India] Urvi Bhatia Thomas cook (I) Ltd.
[Ukraine] Yurii Lutsenko Minister of Interior Ukraine
[Ukraine] Yurii Mushka Ambassador of Ukraine
[U.S.A] William A. Stanton/U.S. Vice Ambassador to Korea
[China] Yuan ren guo, President of Kweichow Moutai group
[China] Friend garden, yang pai pen jing bo wu guan, Yang zhu, China
[China] wang tai ping, former Chinese Ambassador to Japan, President of Association of Eco…
[China] Wang zhi bao, Director of national Forestry Agency
[China] Wang jun, Vice Minister of Ministry of Finance of the People's Republic of Ch…
[China] Wang zhao guo, Vice Chairman, Chinese People's Political Consultative Confere…
[China] Wang wei guang, Vice President of Central Communist Academy of China
[China] Wang wen zhang, Vice Minister of Ministry of Culture of the People's Republic…
[China] Wang sheng jun, Chief of Supreme People's Court of China
[China] Wan gang, Minister of Ministry of Science and Technoology of the People's Rep…
[Japan] Wasiz Makoto, Director of Tourism, Ministry of Territory and Transportation,
[Republic of Korea] Calligrapher, yeo cho, Eung yeon Kim
[Republic of Korea] Yoon-dae euh, Chairman, Presidential Council on nation branding
[China] Yang cong hwei, Vice Director, Council of Hong Kong, Macau and Taiwan, National Po…
[Philippine] Abdullah D. Dimaporo, Chairman, Muslim Affairs Philippine house of Representa…
[Indonesia] Abdul Ghani Ambassador
[Germany] Alfred Luthin, President of the garden society
[Germany] Dr. Albrecht Huwe/University of Bonn Korean Studies, Professor
[U.S.A] Alexander Vershbow U.S Ambassardor
[China] Jie zhen hua, Director of SEPA
[China] Sun fu ling, Vice Chairman, Chinese People's Political consultative Conferenc
[Japan] President Shoyama Etsuhiko, Hitachi Japan
[U.S.A] Dupont Central Reserch & Development Research Manager Steven D.Ittel, Ph.D. Dupont…
[China] Xu cai hou, Vice President, Council of Chinese Army
[China] Xu guang chun, Local Communist Party Secretary of Henan sheng
[Costa Rica] Dr. Supachai Panitchpakdi WTO Director -General-
[Mongolia] S.oyun, Monglian Parliament Delegation
[Mongolia] S. Magvan IOC Member, J.Otagantsagaan Secretary-general NOC Mongolia
[Cambodia] Bun rany, The first lady of cambodia
[Indonesia] Budhisantoso.s, Prof. Dr.Ir.Radi agans, Member of the Presidentia Advisory Cou…
[Sweden] Berit Bergbstrom AIC (Association internationale de la couleur) President
[U.S.A] Richard H.Dean,M,D./President Emeritus, wake Forest University Health Science Barr…
[Hungary] Hungarian Natural History Museum Dr. Beale Papp, Dr. Lasilo Lokon Biologist
[Macao] Vasco Rocha Vieira, the Governor-General of Macao
[China] Mou xin sheng, Director of General administration of Customes of the People's…
[Chile] Aurelio Montes, Montes President
[Philippine] Mon A.Ilagan, Mayor of Cainta Rizal city
[China] Mo wen shu, Committee of Council of National People's Law
[U.S.A] Mark Roger/ Senior Editor of Questex Media Travel magazine
[Vietnam] Le hoang doung, Expert, International Cooperation Department, Minitry of Public …
[Philippine] Ricardo David, Immigration Commissioner of Philippines
[China] Li zhang chun, Commercial Committee, Central Political Agency
[U.S.A] LizCulkin ASTA (American Society of Travel Agents) Vice President, Meetings, Conve…
[China] Li jian ping, Vice President of association of People's Abroad Friendships
[China] Li qi xing, Minister of Ministry of Foreign Affairs of the People's Republic …
[China] Liu feng yan Minister, Ministry of Supervision of the People's Republic of Ch…
[China] Li yong, Vice Minister, Ministry of Finance of the People's Republic of China
[China] Li shu hua, Professor of Landscapes and Architecture, Tsinghua University
[China] Li li kuo, Minister of Ministry of Civil Affairs of the People's Republic of …
[China] Liu jiang yong, Vice Director of Institute of International Affairs
[China] Liu you sheng, Secretary of Institute of National Prosecutors
[China] Luo hao cai, Vice Chairman, Chinese National Political Consultative conference
[China] Luo qin, Chief Secretary of Association of People's Abroad Friendships
[U.S.A] Senator Rosemary McAuliffe/Washington State Senate 1st Legislative District
[U.S.A] Robert E. Scully Harvard Massachusetts General Hospital
[Vietnam] Journalists Association of Vietnam
[Benin] Luc Gnacadja, Executive Secretary, UNCCD/Moon, Kook-hyun
[China] Liang guang lie, Chairman of joint chiefs of staff, Chinese army
[Russia] Larisa Mirzoeva/ Deputy director of S.I. Vavilov State optica institute, research…
[China] Du de yin, Director of Coherence of People of Beijing, China
[U.S.A] Dean Habbard President Northwest missouri state University
[United Kingdom] The Times David watts, Foreign focus reports, Commissioning Editor
[China] Eng pu fang, Association of disables of China
[Japan] Daizo and Naemi Iwasaki, Honorary (deputy) President of World Bonsai Friendship fe…
[South Africa] South Africa delegation
[Republic of Korea] Ministerial talk between the defense ministers of south and north kore
[Japan] Nakao Kiyoshi, Chief of professor, department of yourism, Osaka University of tour…
[Japan] Yasuhiro Nakasone, Former Prime minister of Japan
[Mongolia] Natsagiin Bagabandi formal president of Mongolia
[China] Gu xiu lian, Vice chief of the 10th National People's Representative conferen…
[Republic of Korea] Chief Negotiator Kim, jong-hoon, Wendy cutler, The U.S. chief Negotiat…
[Democratic People's Republic of Korea] Kim young-sun, Secretary of the Labor party, …
[China] Guo sheng kun, Director of People's Conference, Guangxi Zhuang Autonomous Reg…
[Republic of Korea] Jong-ho Ko, Chairman, Philos Technologies, Inc
[Gremany] Professors of German garden school
[China] General ge zhen feng, Vice chairman of joint chiefs of staff of China
[Mongolia] chairman of the Monglian Parliament R.gonchigdoij
[U.S.A] member of ASTA (American Society of Travel Agents)
[Marshall Islands] President of Republic of the Marshall Islands kessai H.Note
[Republic of Korea] Hwang Jang-yop


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Lennox Air Filters
Get fresh air for less
In order to run efficiently, a home's Lennox air conditioning and heating unit needs a quality air filter. A furnace with a poorly made or clogged air filter has to work twice as hard, which can ultimately shorten the life of your furnace. At Discount Filter Store, we understand that while you want a quality air filter you don't want to pay a fortune for them; that's why we've made it easy for you to find all of the replacement Lennox filters you need, at the lowest price. Our huge selection of Lennox replacement air filters are available in three different MERV Ratings, in over 10 different sizes, and with two primary filter medias.
Keep the air in your home or office clean and clear with a Tier1 replacement Lennox air filter.
6 Items
6 Items


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Deficiency Payments in Nobles County, Minnesota, 2019‡
Subsidy Recipients 0 to 0 of 0
Recipients of Deficiency Payments from farms in Nobles County, Minnesota totaled $0 in in 2019‡.
(* ownership information available)
|Deficiency Payments
* USDA data are not "transparent" for many payments made to recipients through most cooperatives. Recipients of payments made through most cooperatives, and the amounts, have not been made public. To see ownership information, click on the name, then click on the link that is titled Ownership Information.
‡ Data for 2019 is incomplete and only includes Market Facilitation Program payments made between January 1, 2019 and October 31, 2019.


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A study released Tuesday by U.S. Trust identified wealthy families' collective health as a risk to wealth. Long-term care, out-of-pocket health care costs and financial support for other family members take their toll on families.
Furthermore, these risks aren't well-addressed in financial plans, the report noted.
U.S. Trust surveyed more than 700 families with at least $3 million in investible assets for the report and found some issues advisors need to address with their wealthy clients.
For example, while 47% of respondents said they had a financial plan to provide long-term care for themselves and their spouses, just 18% have planned for having to support their parents as well. If their parents need it, wealthy families are likely to provide it, too: 63% of respondents said they would feel obligated to support their parents and in-laws.
That obligation extends to other family members as well. The survey found 55% of respondents would feel responsible for supporting less fortunate siblings, and 56% would provide for their adult children.
"The majority of people we surveyed grew up in middle-class families and created their own wealth," Keith Banks, president of U.S. Trust, said in a statement. "They don't see themselves as wealthy, and many are unaware of risks and circumstances that grow increasingly complex as wealth accumulates."
While 88% of respondents said they felt financially secure, households on the highest tier of the high-net-worth segment were likely to say they didn't feel secure.
High-net-worth investors are focusing on growth rather than preservation, but they're doing so with low-risk investments, even if they have a lower rate of return. For the most part, they're keeping their money in cash. More than half said they had large amounts in cash accounts, and 35% have no plans to invest it.
With those passive attitudes, it should be no surprise that the majority of respondents said they preferred a buy-and-hold strategy as the best way to grow assets.
"The wealthy have been disciplined about protecting their assets from market loss, but may have a false sense of financial security," Banks added. "They are not adequately planning for family health concerns or for the retirement that they want. We need to shift the conversation about wealth management to these important topics and expand their understanding of risk."
Regarding retirement, 62% of respondents were confident about their income, and many of them have reviewed expected distributions from retirement accounts to determine their income level. However, they haven't taken into account inflation, taxes, their life expectancy and the cost of long-term care.
U.S. Trust found that wealthy families' estate plans are similarly underdeveloped. Almost three-quarters don't have a comprehensive plan and half have never established a trust, thinking that if they have a will, it won't be necessary.
Respondents said their top three goals for an estate plan were to meet their spouses' needs, minimize estate taxes and minimize the administrative burden of settling the estate.
Read Andy Friedman: Which Wealth Transfer Tactics Will Survive Congress? on AdvisorOne.


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Opened in 2000, the circuit is considered to be one of the world's largest and most modern motor sports and event venues, offering a total of seven different track variations. Situated just 120km south of Berlin, the EuroSpeedway is the ideal destination for any racing enthusiast. From the Touring Car Masters and the Motorcycle Grand Prix to classic car races – you are always right on track for high-calibre racing. Besides cheering on the drivers at major motor sport events you can also get behind the wheel of a real Formula One race car and try your hand at finding the racing line in the various corners around the track. Or how about the challenge of driving a Fun Cup touring car for yourself? Would you like to experience a spectacular ride in the passenger seat of a touring car, Porsche 911 GT3, Ferrari 430 Challenge or Mercedes AMG 'race taxi'? Here, everything is possible. The 'Speed Days', when you can take your own road-legal vehicle on the 4.5km Grand Prix circuit, are particularly popular. During the Lausitz Bladenight events, fans of roller skating, inline skating and cycling can enjoy a few laps of the Grand Prix track on their own wheels.
Dve korisne kombinacije tastera za zumiranje u internet-pregledniku:
Povećanje: +
Smanjenje: +
Dodatnu pomoć možete dobiti od ponuđača internet-preglednika, klikom na ikonu:


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Maroon 5 says they're working on a new album, but before that the pop-rockers will launch a summer tour that finds the fivesome playing outdoors.
The Grammy-winning band announced Monday that they will headline the 2013 Honda Civic Tour, which kicks off Aug. 1 in St. Louis and will feature Kelly Clarkson.
"I think the live outdoor kind of summer vibe is always different than the indoor arena tour because there's less emphasis on production and more on live music," frontman Adam Levine said in an interview. "It's kind of the purist form of a tour 'cause there's not too many bells and whistles."
U.S. & World
The 31-date tour wraps Oct. 5 in San Diego.
Levine says he and his bandmates are riding high off the success of last year's "Overexposed," their fourth album that has achieved platinum status. It features the popular hits "Payphone," ''One More Time" and "Daylight."
"It's so amazing to have an album people connect with and embrace. It's a dream come true. It's hard to believe to have lighting strike twice and three times and four times," he said. "We're having a moment. A good moment."
He also says the group is working on the follow-up to that album: "We're just getting started. We've got some great songs in the can."
"The stuff we're working on now, it definitely has gone maybe a little darker in its sound, maybe back a little bit more to what we kind of did on (our debut) 'Songs About Jane,'" said guitarist James Valentine. "But at this point we do have all kinds of different songs and it is early."
Levine is also busy balancing his life with NBC's "The Voice," which returned last week with new coaches Shakira and Usher, alongside Blake Shelton.
"It's great. Sometimes it's difficult to maneuver, but it's been a lot of success," said Levine, who will have his former mentee, Tony Lucca, open on some dates of the tour. "I'd be pretty foolish not to be happy about it."


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We Buy Houses Southchase For Any Price, Any Condition, Any Reason!
Get Your Fair Cash Offer Today. Check Out How Our Process Works.
If you want to sell your Southchase house… we're ready to give you a fair all-cash offer.
How To Sell A House Fast After You Inherited A Home From A Loved One.
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How Do I Sell My House Fast in Southchase?
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We help property owners just like you, in all kinds of situations. From divorce, foreclosure, the death of a family member, burdensome rental property, and all kinds of other situations. We buy houses in Southchase and surrounding areas and pay a fair cash price, fast. Sometimes, those who own property simply have lives that are too busy to take the time to do all of the things that need to be done to prepare a house to sell on the market… if that describes you, just let us know about the property you'd like to be rid of and sell your house fast for cash.
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You've heard of the $64,000 question.
Now there's a $64,000 — make that $64,500 — answer called ThisIsLucre.com, a niche product offering targeting wealth management firms seeking "radical revenue growth" through its snazzy websites.
While boutique strategic communication firm BigMouth has worked for 20 years on blue chip accounts including Apple, Dell and Oracle, founding partner Mike Yoffie told ThinkAdvisor that smaller companies have often sought estimates they felt they could not afford.
"When people would say 'That's great but we can't afford it,' I'd say "So wait until you can afford it because other solutions [just won't cut it]. Ours is going to pay for itself many times over."
Yoffie, who says about 40% of his San Francisco-based firm's clients are in the financial services industry, says wealth management firms particularly were attracted to the kind of work they did for Private Ocean.
Seeing a lot of deals fail to materialize but believing in their communications and design prowess, Yoffie says he and his partner Todd Spina thought:
"Most firms until they reach a certain size can't afford the kind of work we do. Why should only the biggest firms get that?"
Thus was born Lucre, a prepackaged communications offering for RIAs, currently in its launch phase and targeting wealth management firms in the $50 million to $500 million assets-under-management range.
For $64,500, Yoffie says, a wealth management firm seeking to move its revenue charts will benefit from his firm's two decades of experience that includes their work for multibillion-dollar companies.
"This is really a sort of entry-level package. 'I know what I get. I know what it costs. I know how long it takes to get it,'" says Yoffie of Lucre, which promises its predetermined deliverables at its fixed price point in 90 days.
Lucre's $64,500 answer is to the problem of wealth management websites that "all look basically the same," Yoffie says.
The veteran copywriter believes that each firm has a "soul" that is obscured by the bland sameness of website and marketing content that is either dense and jargon-filled or slick and superficial.
Lucre's process includes getting to know the firm's owner to free that lost soul and communicate his or her mission. Yoffie cites Apple ad icon Lee Clow, who attributed his success to the high-level access he had:
"We met with Steve Jobs every week. I didn't even see the CEOs in most of our clients; we see chief marketing officers," Clow was quoted as saying about his work with Apple.
But will the $64,500 price tag be too much for RIA firms?
"To our minds it's incredibly cheap," Yoffie says. "You can buy a nice car or totally turbocharge your business."
"We are creative directors, strategy guys — we call ourselves 'chiefs of moving the charts.' That reflects our efforts on measurable results," he adds.
By measurable results, Yoffie says Lucre holds itself accountable for results by tying the firm's work to some kind of hard metric.
For example, in the case of Private Ocean, which resulted from the merger of Friedman & Associates and Salient Wealth Management, client retention was a key metric.
"A bad thing would have been for people to say [after the merger]: 'Huh — I'm going to go to a place that feels more like Friedman & Associates used to be.'"
But Yoffie and his team worked to communicate the idea that clients were getting the same personal service from the people they knew — only now with greater service capabilities and a succession plan. Client retention was north of 90% post-merger.
Another key metric for Lucre is attracting assets under management, meaning getting more prospects through a firm's pipeline.
Yoffie says that out of hundreds of advisor sites hosted on the Advisor Websites platform, his client Private Ocean is the No. 1 performer in terms of page views and time spent on the site.
Private Ocean's success through a merger and a rough market has brought in referral business to Lucre. A current prospect, a Bay Area independent firm with more than $1 billion in AUM, recently told Yoffie:
"We're not talking to anyone else. A contact at Private Ocean told us, 'Clients don't leave because an advisor leaves; they're bought into the firm. Positioning the firm rather than the individuals has really worked.'"
So, in answer to a hypothetical RIA client's $64,500 question, Yoffie describes the bottom line this way:
"You are getting everything that you need to effectively transform the way that you sell at your firm. That includes insights that we get from firm members, clients and centers of influence; a ruthlessly focused strategic communications strategy.
"You're getting a simple, powerful website that corresponds to the way that people actually use the web, which is not a deep dive. You don't need a 50-page website. You get a piece of collateral [marketing material] which you can also save as a PDF; a sales presentation; photography — capturing people in a human way.
"What runs through all that is a story, a narrative," he says. "That's what you see if you look at Private Ocean…it's all a narrative with some empathy in it."
Check out Unique Advisor Site Targets Ultra-Affluent on ThinkAdvisor.


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Second-quarter annuity sales jumped 9.9% to nearly $54.5 billion from $49.6 billion in the first quarter, according to data reported by Morningstar and Beacon Research.
Second-quarter annuity sales, however, were down 1.4% from the $55.3 billion reported in the second quarter of 2012.
Fixed annuity sales rose to their highest quarterly level since the fourth quarter of 2011, with sales totaling $17.14 billion, up 14.6% from just under $15 billion in the first quarter and up 0.2% from $17.1 billion in the second quarter of 2012, according to Beacon Research.
"Rising interest rates, along with the steepest yield curve in nearly two years, helped drive second quarter's fixed annuity sales growth," said Jeremy Alexander, president of Beacon Research, in a statement.
Meanwhile, variable annuity total sales topped $37.3 billion in the second quarter, according to Morningstar — a 7.8% increase from $34.6 billion in the first quarter, but a 2.2% drop from nearly $38.2 billion in the second quarter of 2012.
Indeed, Cathy Weatherford, president and CEO of the Insured Retirement Institute, said that "in previous quarters, demand for lifetime income was balancing headwinds from low interest rates." Now "with rates rising, we are seeing sales swing upwards with fixed sales reaching their highest mark in six quarters and variable annuity sales at their highest level in a year. With VA total net assets reaching a new record high and VA net sales showing marked improvement, overall it was a solid quarter for the industry."
According to Beacon Research, sales of all types of fixed annuities increased from first-quarter levels. Sales of market value adjusted annuities rose 34.9%, while indexed annuity sales were up by 17.1% and income annuity sales were up by 16.9%. For the fixed annuity market, there were $9.4 billion in qualified sales and $7.7 billion in nonqualified sales during the second quarter.
"Strong demand and new product introductions boosted deferred income annuity sales nearly 40% from first quarter," Alexander said.
According to Morningstar, variable annuity total net assets increased by a fraction of a percent from the previous quarter. Though only a slight increase, the upward movement marked the seventh consecutive quarterly increase in variable annuity total net assets, which stand at more than $1.7 trillion. This is a 10.1% increase from almost $1.6 trillion in the second quarter of 2012. Within the variable annuity market, there were $23.8 billion in qualified sales and $13.5 billion in non-qualified sales during the quarter.
"Net sales improved significantly in the second quarter despite continued large outflows from retirement plans and companies that have exited the industry over the past several quarters," said Frank O'Connor, product manager, Morningstar Annuity Research Center, in a statement.
Check out Deferred Income Annuities Reach Record Sales on ThinkAdvisor.


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My mother sends me all sorts of strange emails, ranging from health and weight tips to YouTube videos of animals doing bizarre and unnatural things. I'm sure your retired mom does the same. But a few weeks ago she quite frankly stepped over the line. In a 7MB email, she sent me a legal prospectus for an equity-indexed annuity (EIA). Heavens!
Actually, what she did was forward to me an email from a neighbor of hers—who happens to be a licensed insurance agent—who was trying to sell her an EIA. Now, let me make it quite clear: Despite the genetic connection and all, my mom really isn't the financial type. So, the email with six PDF attachments and numerous spreadsheets included a brief note from her: "He is a very nice man. Do you think this is a good idea?"
The first thing that came to my mind—after "you have got to be kidding me"—was to channel Humphrey Bogart's line in Casablanca, "From all the geriatric joints in all the world this guy had to step into my mom's?" Hey, where is FINRA where you need them?
Tasting blood, I reached out to the aforementioned nice man (having learned from Reese Witherspoon not to start with: "Do you know who I am?") and asked a simple question: "EIA? For income, why not a life annuity?" After all, a life annuity is the cheapest and most efficient way to generate a guaranteed lifetime of income, because of the risk pooling, mortality credits, etc.
Alas, here is where things got interesting. The nice man countered that an equity-indexed annuity purchased together with a guaranteed living benefit (GLB) rider, might actually provide more guaranteed income than a single premium income annuity (SPIA).
"Yeah, right" was my gut reaction. Had he not heard of no-arbitrage relations, put-call parity and all the no-free-lunch identities we indoctrinate into our graduate students in finance? Heck, that would be like gravity being reversed or the Maple Leafs winning the Stanley Cup.
But lo and behold, after much back and forth, it seems he was right. Occasionally there are insurance (mis)pricing anomalies. The EIA + GLB combination at the right age and for the right person can occasionally dominate or come within inches of an SPIA. Allow me to elaborate.
EIA Background
The EIA—which is also known as a fixed indexed annuity (FIA)—is the Rodney Dangerfield of the already maligned annuity universe. If you Google either EIA or FIA or some other permutation, you will stumble across dozens of recent enforcement actions against advisors who have misrepresented and mis-sold them, including the occasional jail sentence!
In fact, looking back at the many articles I have written about annuities in the past few years, the vast majority of them have focused on variable annuities (VAs) with guaranteed lifetime withdrawal benefit (GLWB) riders, single premium income annuities or my academic favorite, advanced life delayed annuities (ALDAs). I haven't given much ink or attention to equity-indexed annuities, partially due to their perceived toxicity. Why get involved?
And yet, EIAs were a $35 billion (in sales) business in 2012, according to LIMRA. Sure, that isn't as large as the $147 billion VA business, but it certainly trumps the $7.7 billion of immediate annuities sold in 2012. The big players in the EIA space include Aviva, American Equity, Security Benefit and Allianz, along with other household names. More to the point, approximately 75% of EIA buyers are now electing (and paying for) a lifetime income rider such as a GLB. It's time to have an opinion.
Boiled down to its economic essence at the 50,000-foot view, the EIA + GLB combination is quite similar to a variable annuity with a guaranteed living withdrawal benefit. In both cases the client hands over a sum of money to an insurance company, a premium that is invested on behalf of a client. As with the VA, the insurance company keeps track of and reports two numbers on the statement. The first is the actual account cash value and the second is the hypothetical benefit base.
Clients can access the account value at any time as long as they are willing to forfeit some (initially steep) surrender charges. In contrast, the benefit base is used to determine clients' guaranteed lifetime income if and when they turn on the rider. The longer they are willing to wait, the higher the benefit base is likely to be and the more income they can expect for life. Once again, I could be describing either a VA + GLWB or an EIA + GLB.
Yes, I know that with an EIA you don't have much choice in terms of the investment allocations, which are usually linked to an S&P 500 index minus any dividends, while the VA gives you a robust line-up of many different funds and subaccounts. And yes, the EIA imposes low caps and tight participation limits on the growth of the account value, which reduces the probability you will get anything more than the guaranteed minimum. Also, one is a security while the other is an insurance policy. These are important, but secondary, details.
I should point out that as insurance companies continue to place asset allocation restriction on the sub-accounts within the VA + GLWB and policy-holders are given less freedom to allocate and move money around, the actual performance of these accounts might soon resemble a neutered and passive equity index.
From an insurance company accounting point of view, though, there is an important difference between what the company does with the VA money versus the EIA premium. In the former the company places the funds in a separate account and has to worry about hedging the downside risk. In the latter, the company places the funds in its general account and then has to worry about crediting you with interest on the upside. And, while financial economics might dictate that these are identical exposures, in practice things can be different depending on how the crediting formula is structured.
In fact, this is why you can occasionally find EIA + GLB combinations offering more income relative to a VA + GLWB, which shouldn't be too surprising given the difference in underlying accounts, liquidity provisions, etc. But the irregularity that attracted my attention was EIA + GLB versus the SPIA.
Beat the SPIA
The table nearby provides some indicative quotes where the guaranteed minimum income from an EIA + GLB is compared to the guaranteed income from a SPIA. Take for example a 65-year-old couple with $500,000 dedicated to buying a life annuity, with income starting in 36 months (perhaps when they plan to retire).
The average payout quote for a joint-and-last survivor annuity was $30,390 per year, which is a payout of (approximately) 6% for as long as either of them lives. Now look at the column which says EIA. It offers the same couple a payout of $31,750 per year (starting in 36 months), continuing for as long as either of them is alive. This is about 5% more than the SPIA, but also offers upside potential.
Namely, if the underlying index does well (OK, more like a triple-lutz-triple-toe jump) in the next 36 months, the benefit base will be higher—but never less. Also, being an EIA it offers some liquidity and is cashable. Of course, you have to pay steep surrender charges, but remember, the SPIA would have offered you no liquidity whatsoever. Ergo, I consider this an anomaly that can't be explained by credit risk or default concerns because all quoted companies were in the same risk bin.
Now, this EIA + GLB > SPIA anomaly doesn't apply at all ages. Notice that at higher ages such as 70 and 75, the payouts from the SPIA dominate the guaranteed payouts from the EIA for single lives, as they should, although they are quite close for joint lives.
Needless to say, the table is just a snapshot in time for a few companies, so it's difficult to make general statements about the exact ages at which one option dominates the other, but this does happen, especially for joint lives.
Rational Explanation
The reason an EIA can guarantee a lifetime payout that is higher than a SPIA for younger females and/or a longer delay period, is partially due to the assets backing an EIA versus a SPIA and partially because of the unisex and lapse-supported nature of the EIA + GLB pricing.
SPIAs are sold and priced based on more conservative assets and with the unique age and gender of the annuitant, while EIA + GLB are more loosely organized into pricing bands and are not priced to be gender specific. Moreover, the insurance companies assume that some policyholders will surrender their EIAs before they ever convert them into income, which allows them to offer just a wee bit more to the rest. Add this all together and you find that younger females might get more, relative to a SPIA which is priced with zero lapsation and calibrated to an exact age.
And remember, the numbers in the table are only the guaranteed payouts for the equity-indexed annuity. If the underlying (S&P 500) equity index moves up at the right time and at the proper speed—no matter how remote you gauge the probability—the guaranteed lifetime income will be higher.
Here is the bottom line. If you strip out the shady sales practices and the 15-year surrender charges, underneath it all is an intriguing insurance proposition for advisors who are willing to understand and wade into a (potential) minefield.
Now, I want to be crystal clear here, lest readers suspect that I was hit on the head with a hockey stick and am suffering from an intellectual concussion. I am not saying that an equity-indexed annuity is better than a variable annuity with a GLWB. That is an apple to pineapple comparison. My point is rather modest. Sometimes insurance pricing can be weird. Take advantage of it. So, before you pull the trigger on an irreversible life annuity for a younger client—especially if you are piling on refunds, period certain and guarantees—you might want to run a quote for an EIA + GLB. Like me, you might be surprised.
P.S. No. Mom didn't get the EIA.


text: Assemini, Assèmini in sardinian language, is a comune in the Province of Cagliari in the Italian region Sardinia, located about 12 km northwest of Cagliari in the plain of the Cixerri, Flumini Mannu and Sa Nuxedda rivers. It includes notable forest area which are part of the Sulcis Regional Park. It has also a long tradition in the production of ceramics, lasting from the Carthaginian domination. At 2011 national census it had 26,629 inhabitants.Assemini is part of the Cagliari metropolitan area and borders the following municipalities: Cagliari, Capoterra, Decimomannu, Elmas, Nuxis, San Sperate, Santadi, Sarroch, Sestu, Siliqua, Uta, Villa San Pietro.


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A highly efficacious polishing cream with a powerful micro-dermabrasion ingredient used by dermatologists.
• An advanced treatment that has a highly effective abrading quality on skin's surface.
• Affords an immediate skin-smoothing effect and with regular, tri-weekly use, helps to visibly minimize discolorations and small marks on face, hands, and d�collet�.
• Over time, the look of facial lines is reduced and skin texture is significantly smoother and clearer, while the appearance of pore size is diminished.
• As skin is re-texturized, it helps to facilitate the absorption of topical skin treatments to maximize their efficacy.
• Formulated with "diatomatious earth"– crushed microshells derived from ocean sand – as well as a powerful ingredient used by dermatologists to perform micro-dermabrasion procedures.
• Helps to soothe skin with an herbal blend and nurturing sea algaenates.
• Kiehl's Insider Tip: Kiehl's Dermatologist Solutions are powerful, yet safe treatments that address skin conditions such as premature aging, irritation and sensitivity. Use 2-3 times a week for remarkably smooth skin.
Dispense a nickel-sized amount of the product into the palm of the hand. Utilizing fingertips, gently apply to clean, damp skin in an upward and outward circular motion, avoiding the eye area. (For treatment of targeted body areas such as hands, elbows, back, and decollete, apply in like fashion.)
Continue treatment for approximately 30 seconds, but no more than two minutes, to achieve desired effect. Monitoring skin sensitivity closely, you may increase pressure slightly to enhance treatment results.
With eyes closed, rinse with cool water and gently pat dry. Some redness is to be expected as skin is re-texturized. To help soothe skin after treatment, we recommend using this formula in conjunction with Kiehl's Dermatologist Solutions' Centella Recovery Skin-Salve.
WARNINGS: For external use only. Do not use on irritated or damaged skin. Avoid getting the micro-dermabrasion exfoliator in the eyes, lips and nostrils. If eye contact occurs, flush thoroughly and gently. If irritation or rash appears, discontinue use and consult a physician. For adult use only. Keep out of reach of children. Consult your physician before using if you are on any type of skin medication or if you have a pre-existing skin condition such as seborrheic dermatitis, chronic eczema, psoriasis, severe acne, skin cancer, a facial tattoo or sunburned skin. Do not use within 24 hours of use of other exfoliation products; for example, but not limited to: glycolic acid, chemical peels, acne medication or Retin-A. If you experience any undue sensitivity, discontinue use, allowing skin to rest for several days. Because this product may make your skin more sensitive to the sun, always protect your skin following a micro-dermabrasion treatment with a UVA/UVB sunscreen of SPF 15 or greater. Excessive sun exposure after micro-dermabrasion should be avoided. If intense sun exposure is unavoidable, apply sunscreen liberally and frequently. Do not use more frequently than three times per week.
A naturally occurring crystalline silica derived from diatoms, unicellular microscopic algae. This fine silica powder is a natural exfoliant to eliminate dead cells located in the epidermis or surface layer of the skin.
Shea Butter is the natural fat obtained from the fruit of the African Karate tree and is widely used in lotions and cleansing products for its hydrating properties. Protects skin from dehydration, restores skin's suppleness and improves the appearance of dry skin.
Derived from a plant commonly known as fireweed or willow herb. This plant is known to have anti-microbial and soothing properties for skin.


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ACCESSORIES & Merchandise
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Additional shipping charges apply to qualified ship to home orders.
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To send a Sports Short announcement about your community or recreational sporting event, please email email@example.com, mail 150 Venture Drive, Dover, NH 03820 or fax us at 603-749-7079. If you are e-mailing your announcement, please paste it in the body of the email. Do not send email attachments. DO NOT SEND COPY IN ALL CAPITAL LETTERS and please submit in paragraph form. Please note: If your item is time sensitive, do not send at the last moment (i.e. the day before or the day of the event). It is suggested that you submit your item at least 10 days before the event to insure that it receives proper placement in a timely manner.
Dover High alumni basketball games
DOVER — The Dover High School alumni basketball games will take place Nov. 23 in the Ollie Adams gym. The women play at 6 p.m. and the men will play at 7:15 p.m.
These games raise money for the basketball programs and for a nursing scholarship in Maryellen Driscoll's name.
Please join us as either a player ($20) or spectator ($3). Questions? Contact Sue Vitko at email@example.com.
Rochester Sports Hall of Fame nominations
ROCHESTER — The Rochester Elks Sports Hall of Fame Committee is currently seeking nominations for the 23rd Hall of Fame event to be held in May, 2013. Nominations are being accepted for athletes and contributors who are at least 21 years old. Forms are available on the website at www.rochestershof.com or at the Rochester Elks Lodge and may be submitted online or mailed to PO Box 385, Rochester, NH 03866. Nominations must be received before Jan. 1, 2013 to be considered for the 2013 class.
Churchill Rink fall/winter public session schedule.
DURHAM — Churchill Rink at Jackson's Landing has undergone a major facelift and is open for the season. Following is a summary of the public session schedule for Fall/Winter 2012. More details on, pricing, session definitions, equipment requirements, skate sharpening, and season passes is available online at www.churchillrink.com.
Public Skating is offered Monday, Wednesday, & Friday from 2-3:20 p.m., Tuesday & Thursday from 12-1:20 p.m. and 3-4:20 p.m., and Saturday and Sunday from 2-3:45 p.m.
Adult Drop-In Hockey is Co-Ed for adults 18-and-over and is offered Monday, Wednesday & Friday 12-1:20 p.m., Friday evenings from 8-9:20 p.m., and Sundays from 9:30-10:50 a.m.
New this year, Women's Drop-In Hockey is scheduled on Saturdays from 12:30-1:50 p.m. Family Pond Hockey is Sundays from 11 a.m.-12:20 p.m., followed by Youth Drop-In Hockey from 12:30-1:50 p.m.
Open Stick & Puck is offered Monday through Friday, 10:30-11:50 a.m.
All hockey sessions minimally require a helmet for all participants. The rink is located on Old Piscataqua Road just West of the intersection of Routes 4 and 108 in Durham. You may contact Churchill Rink by calling 603-868-3907.
Dover baseball clinics
DOVER — Dover Baseball is pleased to announce that we have secured five spots at USA Training Center in Newington for this winter. This is a 15 week program that will run from Jan. 1 to April 15. The cost for 15 weeks is $100. The sessions will be run by Dover Baseball coaches. Register by visiting www.dovernhbaseball.org.
Fish fry
KITTERY, Maine — Kittery Youth Cheerleading is hosting a Fish Fry at the Kittery Community Center at Frisbee Common on Dec. 2 from 4:30-6:30 p.m.
Desserts will be available for an additional donation. Tickets are $10 in advance and $15 at the door. Tickets are available at the Kittery Community Center, Frisbee Common, 120 Rogers Rd., Kittery. For more information, please contact the Kittery Recreation Department at 207-439-3800.
Spirit coach
MILTON — Nute High School is seeking a varsity spirit coach. All interested applicants should contact Howie Drolet at 652-4591 or email firstname.lastname@example.com.
Elks hoop shoot
PORTSMOUTH — The Portsmouth Lodge of Elks No. 97 will conduct local qualifying for the 39th Annual Elks Hoop Shoot, the national free throw shooting contest for youngsters ages 8 through
13, on Dec. 9 at the Connie Bean Community Center in Portsmouth.
The Connie Bean Center is located inside the new Portsmouth Middle School, at 155 Parrott Avenue.
This competition is free and open to all area boys and girls who will be between the ages of 8 and 13 on April 1, 2013. Registration begins at 11 a.m., with the competition to follow. All youngsters will receive a T-shirt and certificate of participation from the Elks.
The boy and girl in each age group with the best scores advance through four tiers of competition to qualify for the national finals, which will be held this year at the Basketball Hall of Fame in Springfield, Mass.
All participants must present a valid birth certificate on the day of the event. For more information, contact event organizer Stan Maddock at 603-817-2784.
Youth Winter Indoor Soccer
SOMERSWORTH — Winter indoor youth soccer on Saturday mornings with coach Connie Roy will take place Jan. 12 through Feb. 16, 9-9:45 a.m., ages 3-4; 10-11 a.m., ages 5-6; 11:15 a.m.-12:15 p.m. ages 7-10. Sessions will be held at the Works Health and Fitness Center. Call or or stop by the program desk to register 603-742-2163, ext 41
Space is limited, The fees are for members $79 and for non-members $89. The website is www.theworkshealthclub.com.
Great Bay Volleyball Club Boys Training Academy
DURHAM — Great Bay Volleyball Club will offer a program for high school aged boys looking to develop their volleyball skills and IQ. The program will run 12 Saturdays, 4 to 6 p.m., from Dec. 8 to March 4 at Oyster River High School. The cost is $200.
It will help improve each player's chance of making a team now or in the future; whether it is for this club, their high school team or any other team. Any player interested in learning will be welcomed regardless of their level of knowledge or skill, within the limitations of court space and available coaches.
Cory Lund and Sean Stewart are the coaches.
If you have any questions about the program, please do not hesitate to contact Sean Stewart through email at email@example.com or through phone at 603-401-8389.
Sports shorts
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In June of this year, the Association of Computing Machinery (ACM) celebrated the centenary of Alan Turing's birth by holding a conference with presentations by more than 30 Turing Award winners. The conference was filled with unusual lectures and panels (videos are available here) both about Turing and present-day computing. During a break in the proceedings, I interviewed Alan Kay a Turing Award recipient known for many innovations and his articulated belief that the best way to predict the future is to invent it.
[A side note: Re-creating Kay's answers to interview questions was particularly difficult. Rather than the linear explanation in response to an interview question, his answers were more of a cavalcade of topics, tangents, and tales threaded together, sometimes quite loosely always rich, and frequently punctuated by strong opinions. The text that follows attempts to create somewhat more linearity to the content. ALB]
Childhood As A Prodigy
Binstock: Let me start by asking you about a famous story. It states that you'd read more than 100 books by the time you went to first grade. This reading enabled you to realize that your teachers were frequently lying to you.
Kay: Yes, that story came out in a commemorative essay I was asked to write.
Binstock: So you're sitting there in first grade, and you're realizing that teachers are lying to you. Was that transformative? Did you all of a sudden view the whole world as populated by people who were dishonest?
Kay: Unless you're completely, certifiably insane, or a special kind of narcissist, you regard yourself as normal. So I didn't really think that much of it. I was basically an introverted type, and I was already following my own nose, and it was too late. I was just stubborn when they made me go along.
Binstock: So you called them on the lying.
Kay: Yeah. But the thing that traumatized me occurred a couple years later, when I found an old copy of Life magazine that had the Margaret Bourke-White photos from Buchenwald. This was in the 1940s no TV, living on a farm. That's when I realized that adults were dangerous. Like, really dangerous. I forgot about those pictures for a few years, but I had nightmares. But I had forgotten where the images came from. Seven or eight years later, I started getting memories back in snatches, and I went back and found the magazine. That probably was the turning point that changed my entire attitude toward life. It was responsible for getting me interested in education. My interest in education is unglamorous. I don't have an enormous desire to help children, but I have an enormous desire to create better adults.
The European Invasion In Computer Science
Kay: You should talk to William Newman, since he's here. He was part of the British brain-drain. There was also Christopher Strachey, whom I consider one of the top 10 computer scientists of all time. The British appreciate him. They also had Peter Landin. They had memory management and they had timesharing before we did. Then there was a crisis in the early 1960s. And suddenly the young Brits were coming to the United States.
William was one of the guys who literally wrote the book on computer graphics: Principles of Interactive Computer Graphics with Robert Sproull. William came to Harvard and was Ivan Sutherland's graduate student got his Ph.D. in 1965 or 1966. William followed Ivan out to Utah; then when Xerox PARC was set up, William came to PARC.
A similar thing happened, but I think for different reasons, in France. So one of the things we benefited from is that we got these incredibly well-prepared Brits and French guys reacting to the kind of devil-may-care attitude, and funding like nobody had ever seen before. These guys were huge contributors. For example, the first outline fonts were done by Patrick Baudelaire at PARC, who got his Ph.D. at Utah. The shading on 3D is named Gouraud shading after Henri Gouraud, who was also at Utah also under Ivan, when Ivan was there.
The Internet was done so well that most people think of it as a natural resource like the Pacific Ocean, rather than something that was man-made. When was the last time a technology with a scale like that was so error-free? The Web, in comparison, is a joke. The Web was done by amateurs.
Computing as Pop Culture
Binstock: You seem fastidious about always giving people credit for their work.
Kay: Well, I'm an old-fashioned guy. And I also happen to believe in history. The lack of interest, the disdain for history is what makes computing not-quite-a-field.
Binstock: You once referred to computing as pop culture.
Kay: It is. Complete pop culture. I'm not against pop culture. Developed music, for instance, needs a pop culture. There's a tendency to over-develop. Brahms and Dvorak needed gypsy music badly by the end of the 19th century. The big problem with our culture is that it's being dominated, because the electronic media we have is so much better suited for transmitting pop-culture content than it is for high-culture content. I consider jazz to be a developed part of high culture. Anything that's been worked on and developed and you [can] go to the next couple levels.
Binstock: One thing about jazz aficionados is that they take deep pleasure in knowing the history of jazz.
Kay: Yes! Classical music is like that, too. But pop culture holds a disdain for history. Pop culture is all about identity and feeling like you're participating. It has nothing to do with cooperation, the past or the future it's living in the present. I think the same is true of most people who write code for money. They have no idea where [their culture came from] and the Internet was done so well that most people think of it as a natural resource like the Pacific Ocean, rather than something that was man-made. When was the last time a technology with a scale like that was so error-free? The Web, in comparison, is a joke. The Web was done by amateurs.


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UNCTAD's work on harnessing international trade in promoting sustained growth and inclusive development includes as a key aspect, support to developing countries in taking advantages of emerging opportunities for trade associated with the protection, promotion and preservation of the environment and sustainable development objectives generally, while minimizing potential adverse impacts. This work is carried out by the Trade, Environment, Climate Change and Sustainable Development Branch of DITC.
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There's good news and bad in the latest Fidelity release of the 401(k) balances it oversees. Largely thought of as a bellwether for the 401(k) industry as a whole due to the number of accounts held at the Boston-based investment behemoth, the company reports the average balance had increased to another record high at the end of 2012.
Which would be great news if the average were significantly higher that the $77,300 Fidelity reports, considered low by retirement standards. It's up from $69,100 one year earlier, an increase of 12%. The fourth-quarter average balance tops the previous quarter's high of $75,900. About two-thirds of the 2012 increase was attributable to market action while one-third was due to participant contributions.
Participants on average saved 3% to 8% of their annual salaries in their 401(k) plans. When the typical employer contribution is factored in, be it a match or profit sharing, the average participant's total savings rate increases to 12%. In addition, for a 15th straight quarter, more participants increased their savings rate than decreased it (5.8% vs. 3.1%).
The company also reports that "recent legislative provisions have raised awareness of Roth 401(k) opportunities for workplace participants, such as tax-free growth potential and tax-free withdrawals for them and their heirs."
Regulations now allow participants to convert money in existing qualified savings plans to a Roth account, should their plan include the investment option. Today, 37% of workplace retirement plans offer a Roth savings option, up from 12% five years ago. Of these plans, 12% of them offer the Roth in-plan conversion option.
Younger investors tend to utilize Roth the most. Ten percent of participants in their 20s contribute to this option, versus 6% overall. These individuals may be well-positioned to benefit from Roth due to their long investment horizon and the likelihood they will be in a higher tax bracket upon retirement.
Roth contributors also boast a higher savings rate, deferring an average of 11%. Nearly six out of 10 (59%) of these participants utilize a tax diversification strategy by saving a portion in a post-tax Roth 401(k) as well as a pretax savings option. When factoring in employer contributions, Roth participants show a total savings rate of 15.3%, more than 3 percentage points higher than the overall average.