text:
So You Are Selling Your Apartment In Puako, Big Island . Do You Think You Need A Home Tour Video?
Are you thinking listing your home for sale? The practice of selling a home and buying a home has changed considerably in the past 10 years. There are many more ways to sell your house today thanks to the internet.
Did you know 100% of all home buyers use the internet for house hunting
According to up to date real estate studies properties with a video tour receive 403% more inquiries than those without video
Video marketing has become one of the newest and most prevalent real estate trends that connects the customer with a product because by nature it is fast, concise and delivers a sincere point.
The moral of the story is this: traditional MLS marketing techniques usually land on deaf ears these days. The information and digital age satisfies our quest for information, and lowers our attention spans.
Its todays modern reality, the internet is now the key tool in the process of buying and selling homes.
Top Real estate agents are proving A good real estate Home Video will greatly increase your chances of selling your home for top dollar quickly! It Just makes sense
Watch this listing video in Puako, Big Island HI here:
Big Island Oceanfront Real Estate for Sale.
This majestic six acre Big Island oceanfront property overlooks the sacred Valley of the Kings, Waipio Valley, one of the most famous and photographed views in all of the Hawaiian Islands. Waipio Valley is also where King Kamehameha the Great, who was raised there, defeated the ruling chiefs of the other islands in a decisive battle before uniting the islands under his rule.
But having settled with that there is another big hitch – buyers need to easily find your home tour video! and we have just solved that!
Have you ever seen YouTube videos of houses you love to see only to realize it was an old video from years ago? Only a small percentage of home tours on YouTube are of homes still for sale on the multiple listing service / MLS. Many realtors and sellers just do not remove their videos once their homes sell! That is frustrating!!
To relieve this frustration – we have created a special video gallery showcasing only current homes only homes currently selling in your local area!
Watch this video about a home listed for sale in HI HI here:
From the minute you enter this new property, youll be in awe of the huge open living spaces, lovely open-beam ceilings and intimate ocean views that will leave even the most discriminating buyers out of breath. I assure you will want to stop in your tracks and take in the awsome, unobstructable ocean views.
With 22 ft. high ceilings, generous use of African mahogany, Italian ceramic tile floors and granite countertops, this home exudesValue, luxury and opulence.
This lavishly appointed house boasts three bedrooms, five full baths, a study, den, wet bar, huge lanai, infinity edge swimming pool and jetted spa. It is ideally situated and designed to capture pleasant ocean breezes.For info on narrated video tours CLICK HERE
We arrange them in one suitable location, tours are ordered by the local areas and house selling prices that buyers looking in. This provides buyers a fast easy way to see, feel and learn what they really want to know. They can do this at any time of day or night without having to {consult with anyone – before theyre ready. They can quickly create a short list of properties theyre really excited to go with, saving home buyers, sellers and realtors important time! Realtors and Home Owner FSBO sellers are welcome to list there homes on our Current Home Tour gallery. FSBO For Sale By Owner sellers will find tips to sell your home / selling homes without a realtor and all will find great narrated tours at a All right price. Creating the best home tour videos doesnt have to be high-priced or problematical as long as you have good photos and a proven procedure to follow. Video tours are effective for all homes not just the new homes or waterfront homes or luxury houses for sale!
Now buyers dont have to fight to find properties in Puako, Big Island with virtual tours! Buyers and sellers dont have to stress with Youtube videos of houses that arent for sale anymore.. They do not have to wonder about property prices, our videos list the home prices. We are helping to simplify the process of buying a house
Click Here to see examples of Current tour videos on the Big Island
So Whose Blame Is It When your mansion is noÂÂt selling?
Why would a buyer pay top dollar for your building?
What justifies the price you're asking? vs the Zestimate?
Are buyers consistently getting a good extensive presentation of your residential home on every viewing? By who?
A superior narrated video home tour is by far the best way to convey the warm features and benefits that said yes to you when you saw it.
It can consistently provide that right feeling every time 24/7.
Are you looking for a approach to get top dollar for your home selling?
To list your video tour CLICK HERE


text:
Last June I posted this photograph in the Wedding Wednesday theme and admitted then that I had no idea about the identity of the happy couple.
Well I can now tell you that I solved the mystery – thanks to my cousin in Australia.
The photograph is of George Isaac Dawson and Constance Mabel Austin leaving the church after their wedding ceremony. I don't have an exact date but it is mid to late 1920's.
George Isaac is my grand uncle – my grandfather's brother. He was born sometime in Q1 of 1901 in Keighley, West Yorkshire. In the 1911 census he is living with his parents, James Dawson and Emma Buckley, and his siblings at 91 West Lane, Keighley.
His entry in the GRO birth register is Isaac but he was known as 'Ike' to me – at least that's how my grandfather referred to him.
Anyway, 'Ike' emigrated to Australia. He sailed from London on 15 September 1923 on board the ship Orsova bound for Fremantle, Australia. Here is his entry in the passenger list.
At the moment I don't have any information about Constance's family.
I do know that 'Ike' and Constance had their first of four children in 1928. So within five years of arriving in Australia 'Ike' fell in love, married and started a family.
I really admire 'Ike's' sense of adventure – leaving his family in the UK and starting a new life at the other side of the world. I am also glad that almost 89 years later we are still in contact with our Dawson relatives in New South Wales.

subset: commoncrawl


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Boscov`s Department Store
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Boscov`s offers a broad selection of quality merchandise in its stores and online. For over 75 years, Boscov`s has been known for its great values and famous brands. Some of the brands that Boscov`s feature include: Liz Claiborne, Tommy Hilfiger, Calvin Klein, Clinique and many more. At Boscov`s bridal registry you`ll find Boscov`s bridal consultants ready and waiting to help you with the selection of just about everything you will need for your first home together.
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WearGuard - Americas Leading Supplier Of Work Clothing And Uniforms
Westfalia Mail Order
Westfalia is a mail-order specialist for tools, hardware, gardening, car accessories, farm accessories and many other products.
Wickes DIY
Wickes DIY Store - A leading UK retailer of building and home-improvement supplies.
Wilkinson Plus
Wilkinson Plus is the online store and catalogue from Wilkinson, the popular UK department store, offering furniture, house-hold goods and more.
Williams and Brown
Williams & Brown make shopping for big men`s clothing simple. Shop online with Williams & Brown for stylish menswear up to 3XL, 4XL and 5XL to create a perfect look for you.
Wolsey offers you everything you need to achieve that complete contemporary head-to-toe look, with casual collections for both men and women.
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Woolworths UK - Shopping online at Woolworths UK is so easy!
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text:
Silver Coins and Territorial Gold in Fair Oaks, Monterey Park, San Jose, Inglewood, San Luis Obispo, Santa Maria, Beverly Hills, Montrose and Los Alamitos
Kevin Lipton Rare Coins
Business Contact: Kevin Lipton
in U.S. Coins, Type Coins, Trade Dollar, Territorial Gold, Silver Coins, Seated Liberty Dollar, Peace Dollar, Morgan Dollar, Key Date Coins, Gold Coins, Early Amer. Coppers, Commemoratives, Colonials, American Eagles
At Kevin Lipton Rare Coins, our business philosophy is different than most. We're not satisfied with any rare coin transaction unless it's advantageous for all parties involved.
9478 W. Olympic Blvd. Ste 202
Beverly Hills, California 90212
United States


text:
Report of a dead body creates a tizzy among out-of-town media. But the body was that of an elderly man, not the pregnant woman who went missing last week.
It doesn't take much to spark a frenzy among the numerous out-of-town
journalists covering the disappearance of Jessie M. Davis.
Around 6 p.m. Tuesday an ambulance rushed to a Jackson Township home
where the body of an elderly man had been found in his bed.
The Stark County coroner's investigator, Rick Walters, had a quick
conversation on the phone with paramedics. It wasn't even a coroner's case.
The man had died due to natural causes and had been under the care of a
doctor. Walters hung up, thinking that was the end of the matter.
But reporters and TV news producers reacted to the words "dead body" on the
radio scanner.
Within one half hour, several news media organizations were bombarding
Walters with phone calls.
"They wanted to know if we had a report of a dead body," Walters recalled.
"I told them, 'Yeah, that's pretty routine for us.' ... They wanted to know
if it had anything to do with this woman missing."
One journalist didn't initially hear what Walters was saying. The person
said the news crew would be at the house right away.
"I told them it was not the case they thought it was," said Walters.
The investigator said news organizations have been constantly calling the
coroner's office all day long.
"The whole community's on edge," he said.


text:
MAGNA-PAK Customer Service Information and Sales Policy
We're Here To Help You. Our competent, trained professional staff is ready to assist you with your particular questions. We are available during regular business hours. 9am - 6pm EST, Monday to Saturday. Feel free to contact us when you have questions or concerns. Please email firstname.lastname@example.com
Payment Acceptance
We accept Visa, MasterCard or Paypal for online orders. We also accept certified checks, international money orders and electronic bank transfers. Shipping cost, customs, duties and taxes for International shipments outside the United States must be paid by the ultimate consignee if applicable. Please email firstname.lastname@example.com for international shipping rates.
Magna-Pak has been in business for 34 years, our top priority has always been our customer's security and privacy. Magna-Pak will not share personal and confidential information of any kind about our customers or contacts. This includes your e-mail address, postal address, phone number, and any other personal data. We honor your right to privacy. Our on-line ordering system is a secure system. In order to protect your information we provide Secure Socket Layer (SSL) protocol for personal data and credit card encryption. Our website is secured by GeoTrust and Validated Site.
All retail orders are shipped FREE of charge within USA and Canada via United States Postal Service. ($5.95 handling applies * excluding Hawaii, Alaska and Puerto Rico, there is a small charge to ship to these areas). Courier shipping is available within USA for $17.95 (handling included) at checkout if the order is time sensitive. Customs, duties and taxes for international shipments outside the United States will be paid by the ultimate consignee if applicable. Please email staff@magnapak for international shipping rates outside USA and Canada.
Product Guarantee and Returns Policy
All products except as noted below** are sold with a 30 Day Money Back Guarantee. If you are not completely satisfied, you may exchange or return the item for a refund of the purchase price less 15% re-stocking fee, shipping and handling. Items must be in new condition. Prepaid shipping costs and handling will also be deducted from the refund. All returns must be postmarked within 30 days of invoice date.
Please note: Damaged, soiled, worn or abused items are not eligible for refund.
**Insoles, mattress pads, face masks and pet & equine products are not eligible for refund due to health regulations.
How to Return Products:
Returned items must be prepaid and sent by US Post. We suggest you purchase insurance for your own protection. We will credit your account, after we have received back the item. Do not use UPS, FedEx couriers etc. to return items.
Important Steps Email Magna-Pak for return authorization "before" returning a product. You will be given the address for Magna-Pak's Return department. If this protocol is not followed, a refund will not be granted.
Hours of operation & Location:
Email: firstname.lastname@example.com
Monday-Friday 9-6, Saturday 10am-3pm EST
Magna-Pak Pricing Information
Magna-Pak strives to provide accurate product and pricing information. Pricing or typographical errors may occur. In the event that an item is listed at an incorrect price or with incorrect information due to a typographical error, Magna-Pak shall have the right, at our sole discretion, to refuse or cancel any orders placed for that item. In the event that an item is incorrectly priced, Magna-Pak may, at our discretion, either contact you for instructions or cancel your order and notify you of such cancellation.
Use magnetic therapy as a supplement to conventional treatment. This information is provided for educational purposes only. It does not recommend self diagnosis and treatment with magnetic products. Anyone experiencing health problems should consult with a health care professional before starting any new therapy. The author will not be held responsible for anyone using this information to treat themselves or others. Do not use magnets or magnetic therapy if using a pacemaker, implanted medical device or insulin pump as they may interfere with the delicate electronic equipment. Magnetic products are not recommended with transdermal patches or during pregnancy.
magnetic mattress pads |
necklaces | magnetic rings |
magnetic bracelets |
magnetic pillow pads
magnetic seats |
magnetic insoles
| magnetic therapy books |
natural cures magnets
neodymium spot acupuncture
magnets | magnetic fuel saver |
magnetic water conditioner
block magnets |
magnetic pet
products | magnetic equine products |
electromagnetics |
wholesale magnets
nikken comparison |
coconut oil |
email@example.com by Computer Geek


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Home | Contacts and meet people | Contacts and meet people in Ireland
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text:
Website: www.avafx.com
Founded: 2006
Headquarter: AvaTrade Capital Markets Australia Pty Ltd . Level 39,2 park street , Sydney NSW 2000, Australia
Regulation: Regulated in Japan by the Financial Services Agency (License.: 1662) Australian Securities & Investments Commission (License No.: 406684)
International Offices: Australia
Website: http://www.forextime.com/register/open-account-v2?utm_source=fxdailyinfo.com&utm_medium=display&utm_content=logo&utm_campaign=open-account&utm_blocka=mediabuy
Founded: 2010
Headquarter: FXTM Tower, 35 Lamprou Konstantara Kato Polemidia, 4156, Limassol, Cyprus.
Regulation: CySEC 185/12, FCA (UK), 600475, FSB (South Africa) 46614, IFSC (Belize), SC/60/345/TS and IFSC/60/345/APM.
International Offices: Cyprus, Nigeria
ATS Markets
Website: http://ats-markets.com/
Founded: 2014
Headquarter: Suite 102, Blake building, Corner Eyre & Hutson Streets, Belize City, Belize Central America
Regulation: VFSC
International Offices: Belize
Website: www.stock.com
Founded: 2013
Headquarter: 9, Kafkasou Street 5th Floor, 2112 Aglantzia Nicosia, Cyprus
Regulation: Regulated by the Cyprus Securities and Exchange Commission ("CySECâ€)
International Offices: Cyprus , Bulgaria , UK
Website: https://secure.tickmill.co.uk/trader/index.php?task=1050&lang=2&utm_source=fx_daily_info&utm_campaign=broker_listing&utm_medium=open_live_button&utm_content=open_live_account
Founded: 2014
Headquarter: 1 Fore Street London EC2Y 9DT United Kingdom
Regulation: Financial Conduct Authority (FCA) Financial Services Authority of Seychelles (FSA SC)
International Offices: Seychelles
Website: http://www.fxprimus.com/en/int-doubledynamo?utm_source=FXDailyInfo&utm_medium=banner&utm_campaign=100bonus-fxallnewsinfo&utm_term=100bonus
Founded: 1999
Headquarter: Zavos Kolonakiou Center, Kolonakiou, Agios Athanasios, Limassol, Cyprus
Regulation: FX Primus Europe (CY) Ltd), regulated by CySEC with license no. 261/14
International Offices: No
Website: https://ad.doubleclick.net/ddm/jump/N518603.2532511FXDAILYINFO/B20137484.202234410;sz=120x600;ord=[timestamp]?
Founded: 2009
Headquarter: FBS Markets Inc
Regulation: Regulated by IFSC/60/292/TS/15
International Offices: Belize
Website: www.triomarkets.com
Founded: 2014
Headquarter: Anastasi Sioukri 19 Lordos Central Court 1 3105 Limassol Cyprus
Regulation: CySEC (license number 268/15)
International Offices: Cyprus
Website: www.kayafx.com
Founded: 2017
Headquarter: Ireland
Regulation: Estonian License
International Offices: Sofia, Dublin, London
Website: http://www.rfxt.com.au/index.php?ref=UAF31
Founded: 2008
Headquarter: Level 31, Grosvenor Place 225 George Street, Sydney, NSW 2000 Australia
Regulation: Australian Financial Services Licence (AFSL # 420268)
International Offices: Australia, Lebanon
Website: https://account.nordfx.com/account/register?id=953852&lang=en
Founded: 2008
Headquarter: 113, Medine Mews, La Rue Chaussee, Port Louis, Mauritius
Regulation: VFSC (Vanuatu), CySEC (Cyprus), SEBI (India)
International Offices: English, Spanish, Portuguese, Russian, Chinese, Arabic, Hindi, Bengali, Farsi, Indonesian, Thai, Sinhalese, Vietnamese, Malay
Website: www.afbfx.com
Founded: 2011
Headquarter: 5th floor, Maximos Plaza Tower 3, Maximos Michaelidi Street, Limassol 3106, Cyprus
Regulation: Financial Services Authority - CySEC -
International Offices: Cyprus
Website: www.threetrades.com
Founded: Tech Trading Solutions Ltd
Headquarter: Global Gateway 8, Rue De La Perle, Providence, Mahe, Seychelles
Regulation: Registered with Seychelles Financial Services Authority, registration number 150616.
International Offices: Seychelles
Website: www.exness.com
Founded: 2008
Headquarter: Office 309, Regus Nevsky Plaza Business Centre, Nevsky prospect 55, lit. A,Saint Petersburg, Russian
Regulation: Cyprus Securities Exchange Commission
International Offices: Russian
Grand Capital
Website: www.grandcapital.net
Founded: 2007
Headquarter: GRAND CAPITAL Ltd. 106 Premier Building, Victoria, Mahe, Seychelles
Regulation: FFMS
International Offices: Seychelles
Website: www.instaforex.com
Founded: 2007
Headquarter: office 510, build. 30, Teatralnaya streetKaliningrad, Kaliningrad region 236006, Russia
International Offices: Russia
Website: www.roboforex.com
Founded: 2010
Headquarter: Level 3, 13 O Connell St, Auckland, 1010, New Zealand
Regulation: New Zealand with registration number FSP246525.
International Offices: New Zealand
Website: www.hotforex.com
Founded: 2010
Headquarter: HF Markets Ltd NG Tower, 2nd Floor, Cybercity, Ebene, Mauritius
Regulation: Regulation: Regulated by the Financial Services Commission (FSC)
International Offices: Mauritius
Website: www.xm.com
Founded: 2010
Headquarter: 12 Richard & Verengaria Street Araouzos Castle Court, 3rd Floor3042 Limassol, Cyprus
Regulation: FCA (FSA, UK), ref. no. 538324 | BaFin reg. 124161 | CNMV reg. 2010157773 | FSP reg. no. FSP235905
International Offices: Cyprus
Website: http://www.121clearing.com/
Founded: 2016
Headquarter: 1-4 Bury Street, Holland House, London EC3A 5AW, UK
Regulation: Financial Services Register Number (470392)
International Offices: United Kingdom
Website: www.1lotstp.com
Founded: 2010
Headquarter: West Indies, Nevis
Regulation: Nevis Financial Services
Website: www.1pipfix.com
Founded: 2009
Headquarter: 346 Ward's Building, Brown Hill, St. John's Parish, West Indies, Nevis
International Offices: West Indies
Website: www.2pipfixed.com
Founded: 2009
Headquarter: 346 Ward's Building, Brown Hill, St. John's Parish, West Indies, Nevis
Regulation: Nevis Financial Services
International Offices: Nevis
3TG Brokers
Website: www.3tgbrokers.com
Founded: 2011
Headquarter: 38 Birmingham Drive, Riccarton, Christchurch, 8024 New Zealand
Regulation: Financial Service Providers Register (FSP number: FSP244885).
International Offices: New Zealand
Website: www.4runnerforex.com
Founded: 2009
Headquarter: West Indies, Nevis
Regulation: Nevis Financial Services
Website: http://4xcube.com/
Founded: 2018
Headquarter: Global House, Avarua, Rarotonga, Cook Islands (International Offices)
Regulation: FSC
International Offices: Global House, Avarua, Rarotonga, Cook Islands


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text:
Illuminight with Lidl
Dean Castle Country Park - Kilmarnock
Discover new sights and sounds at Dean Castle Country Park this Autumn at Illuminight with Lidl.
The trail starts and ends at the main entrance off Dean Road by the new visitor centre. The route is approximately 1.5 kilometres and involves being outdoors for approximately one and a half hours.
Visitors should begin the trail at the start time stated on their ticket. Latecomers will not be admitted until a suitable time slot can be found in another session.
Please note: Illuminight with Lidl is an all outdoor, evening event in Scotland. Think practical and wear appropriate clothing and footwear for a Scottish winter! Fingers crossed for good weather but as we know, Scottish weather can change hourly with a mix of crisp winter nights or showers. Layering is best and something waterproof is advisable, as is sturdy footwear.
Dean Castle Country Park is accessible to those with reduced mobility and specific needs. Please note, whilst the event and route through the grounds is fully accessible, certain areas are sloped and uneven which may require assistance for wheelchair users or those with infants in pushchairs.
At this point there are no plans for strobe lighting at the event. However, those with a light sensitivity should be aware that there may be areas where there will be flickering or flashing lights at low intensity.
Dean Castle will be in the midst of ongoing renovations and will remain closed throughout the event.
Full event information, event map and FAQs are available at www.illuminight.co.uk/info. Please note: Children 13 years and under must be accompanied by a parent or guardian over the age of 16 years. Dogs are not permitted due to the nature of the event (except Assistance Dogs).


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Working with Java's BigDecimal
BigDecimal a bit harder to use than either Java's
double primitive type or
Double class.
In my previous blog, we discussed how important it is to avoid using Java's primitive
float or
double types when performing currency calculations within applications such as financial applications. Instead,
BigDecimal provides the scaling and rounding needed to control the precision of floating-point arithmetic.
However, I've found
BigDecimal a bit harder to use than either Java's
double primitive type or
Double class (which is really just a wrapper for
double). For instance, given that it's an immutable object, calling methods such as
add or
subtract has no lasting effect on the object you call it on. Instead, it returns a new
BigDecimal object that you need to store or reassign. If you're used to using primitive types or their wrapper classes to modify values like this:
double price = … double discount = … price -= discount;
and subsequently write this:
BigDecimal price = … BigDecimal discount = … price.subtract(discount);
you'll likely have a bug because your discount won't be applied. You need to reassign the result:
price = price.subtract(discount);
Not only can this be error-prone, it's also quite verbose. Even the class name
BigDecimal is tedious to type. To help in my coding, I've created a wrapper class that contains a
BigDecimal object internally much like the
Double class contains a
double value but instead handles the reassignment of the immutable
BigDecimal on your behalf. I also call it (for better or worse)
Decimal, since I find it easier to type. You can download the code for the Decimal class to take a look.
To use it, you create a
Decimal object using one of the contructors identical to those of the
BigDecimal class (see below for an example). Then, you can simply call any of the modifier methods without worry of reassignment. In fact, methods such as
multiply, and
divide purposely don't return anything just to reinforce this point, but you can modify this wrapper class to return the value if you desire. Here's an example:
Decimal total = new Decimal("106838.81"); Decimal a = new Decimal("263970.96"); BigDecimal b = new BigDecimal("879.35"); Decimal c = new Decimal("366790.80"); total.add(a); total.subtract(b); total.subtract(c); System.out.println(total.toString());
which, by the way, returns the result
"3139.62". Other methods work the same way. For instance:
total.negate(); System.out.println(total.toString());
Returns the result
"-3139.62". Internally, methods such as
add, and so on, are implemented like this:
public void add(Decimal dec) { bd = bd.add( dec.getBigDecimal() ); }
However, not all methods have side-effects like this. Methods such as
remainder and a few others simply return new a
Decimal or
BigDecimal object. The choices here should be obvious (you probably don't want to reassign your original
BigDecimal value when calling a method to get its absolute value), but you can modify this class if you don't agree with my decisions. Overall, I hope you find this
BigDecimal wrapper class useful.
Happy coding!


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It's all about the client experience.
When Schwab Advisor Services reported the findings of its most recent benchmarking survey, it revealed that some of the fastest-growing RIAs owed their success to a talent for making clients happy and thereby getting solid referrals.
These best-in-class RIAs saw net organic growth rise five times faster in 2012 than all other firms. And regardless of size — whether they managed $250 million to $500 million, $500 million to $1 billion or more than $1 billion — these fast-growing firms generated an average of 36% more new clients from referrals than all other firms, said Jonathan Beatty, senior vice president of Schwab Advisor Services' sales and relationship management, when the findings were released.
"These firms have black-belt status at relationship marketing," Beatty said at the time. "The client experience floats all the way through the system."
Sounds good. But what does the day-to-day client experience actually look like for one of those fast-growing RIAs in the Schwab survey?
According to Scott Swenor, CFO of boutique RIA Manchester Capital Management, a survey participant that Schwab identified as excelling in the client experience, referrals start with his firm's clear understanding of its specific value proposition and ideal client profile. (In 2012, Swenor noted, Manchester had $2.5 billion in assets under management and 15% AUM growth.)
From there, Swenor said in a phone interview on Thursday, Manchester follows a written plan that extends across the firm's four locations nationwide when it approaches people for referrals.
"Strategically, we set the concept of getting referrals through existing clients and centers of influence as a priority," Swenor said. "We seek out a select number of law and accounting firms that can provide a mutually beneficial client experience if it fits in with our ideal client profile."
"The client priority is ingrained into the firm's culture, business model, employee rewards, strategic direction, policy and procedures," Manchester Capital Management says in a comment on the firm's culture.
At the same time, Swenor said, each of the firm's four offices in Manchester, Vt.; Montecito, Calif.; New York City; and Charlottesville, Va., has the freedom to develop its own business development and marketing plan.
"These plans speak to referrals and how each office identifies referral sources," Swenor said. "Each office knows their existing and potential future relationships."
In the Vermont office, for instance, where Swenor is based, "we're good at deep relationships with just a few centers of influence because so much of wealth management is relationship-based," he said. "Rather than going shotgun to have as many as possible, we have fewer but deeper relationships. It speaks to long-term relationships and secondly, a two-way street of having conversations so that we refer to our clients and they refer to us. Not all of our clients are looking for a new lawyer or accountant, and not all of their clients are looking for a wealth manager, but there are opportunities over time."
The Vermont office has identified its ideal client profile — and written up that profile as a one-page document that spells everything out — as a multigenerational family with $10 million or more in investable assets that feels comfortable delegating investment-making decisions and family office services to the firm.
In comparison, Swenor said, the New York office counts many trust and estate attorneys among its centers of influence. And professionals in the newest office, in Virginia, are now building relationships by sitting on philanthropic boards of three or four local organizations and holding charitable events. "It develops an interactive and engaged audience that allows us to showcase our thought leadership without it feeling like a paid commercial," Swenor said.
The Basics: Swenor's Tips for RIAs on How to Get Referrals
1) Understand your specific value proposition and ideal client profile. First, determine your firm's strengths and weaknesses, then use that knowledge to shape your ideal client profile. "Don't try to be everything to everybody," Swenor said.
2) Pay attention to your centers of influence (COIs). Keeping tabs on the people and firms that your firm comes into contact with on a regular basis is an organic way to boost market access and credibility — and a potential source of referrals, according to Swenor. "There is a mutual benefit in finding the right firms, individuals and settings after you know what you want," he said, pointing to the advantages of finding potential referral sources in firm-to-firm meetings with like-minded accounting and legal services groups.
3) Make referrals a strategic priority by putting a formal plan into place that's known throughout the organization. "Each of our office leaders has completed a three-page business development and marketing plan with a consistent measurement of prospects, COI referrals, public relations, events and expanding relationships with existing clients," Swenor said.
Read Schwab Reveals Secret of Fastest-Growing RIAs at ThinkAdvisor.


text:
View all TeSys D
TeSys D reversing contactor - 3P(3 NO) - AC-3 - <= 440 V 9 A - 60 V DC coilShow more characteristics
LC2D096ND has not been replaced. Please contact your customer care center for more information.
The maximum number of products that can be compared is 4. Remove already added products.
Main rangeTeSys product nameTeSys D product or component typeReversing contactor device short nameLC2D contactor applicationMotor controlResistive load utilisation categoryAC-1AC-3 device presentationPreassembled with reversing power busbar poles description3P power pole contact composition3 NO [Ue] rated operational voltagePower circuit: <= 690 V AC 25...400 HzPower circuit: <= 300 V DC [Ie] rated operational current9 A (at <60 °C) at <= 440 V AC AC-3 for power circuit25 A (at <60 °C) at <= 440 V AC AC-1 for power circuit motor power kW2.2 kW at 220...230 V AC 50 Hz4 kW at 380...400 V AC 50 Hz4 kW at 415...440 V AC 50 Hz5.5 kW at 500 V AC 50 Hz5.5 kW at 660...690 V AC 50 Hz motor power HP (UL / CSA)0.5 hp at 115 V AC 60 Hz for 1 phase motors1 hp at 230/240 V AC 60 Hz for 1 phase motors2 hp at 200/208 V AC 60 Hz for 3 phases motors2 hp at 230/240 V AC 60 Hz for 3 phases motors5 hp at 460/480 V AC 60 Hz for 3 phases motors7.5 hp at 575/600 V AC 60 Hz for 3 phases motors control circuit typeDC standard [Uc] control circuit voltage60 V DC auxiliary contact composition1 NO + 1 NC [Uimp] rated impulse withstand voltage6 kV conforming to IEC 60947 overvoltage categoryIII [Ith] conventional free air thermal current10 A (at 60 °C) for signalling circuit25 A (at 60 °C) for power circuit Irms rated making capacity250 A at 440 V for power circuit conforming to IEC 60947140 A AC for signalling circuit conforming to IEC 60947-5-1250 A DC for signalling circuit conforming to IEC 60947-5-1 rated breaking capacity250 A at 440 V for power circuit conforming to IEC 60947 [Icw] rated short-time withstand current30 A 40 °C - 10 min for power circuit61 A 40 °C - 1 min for power circuit105 A 40 °C - 10 s for power circuit210 A 40 °C - 1 s for power circuit100 A - 1 s for signalling circuit120 A - 500 ms for signalling circuit140 A - 100 ms for signalling circuit associated fuse rating25 A gG at <= 690 V coordination type 1 for power circuit20 A gG at <= 690 V coordination type 2 for power circuit10 A gG for signalling circuit conforming to IEC 60947-5-1 average impedance2.5 mOhm - Ith 25 A 50 Hz for power circuit [Ui] rated insulation voltagePower circuit: 690 V conforming to IEC 60947-4-1Power circuit: 600 V CSA certifiedPower circuit: 600 V UL certifiedSignalling circuit: 690 V conforming to IEC 60947-1Signalling circuit: 600 V CSA certifiedSignalling circuit: 600 V UL certified electrical durability0.6 Mcycles 25 A AC-1 at Ue <= 440 V2 Mcycles 9 A AC-3 at Ue <= 440 V power dissipation per pole0.2 W AC-31.56 W AC-1 Front coverWith interlocking typeMechanical mounting supportPlateRail standardsCSA C22.2 No 14EN 60947-4-1EN 60947-5-1IEC 60947-4-1IEC 60947-5-1UL 508 product certificationsGOSTULLROS (Lloyds register of shipping)GLDNVCCCBVCSARINA connections - terminalsControl circuit: lugs-ring terminals (external diameter: 8 mm) Power circuit: lugs-ring terminals (external diameter: 8 mm) tightening torqueControl circuit: 1.7 N.m - on lugs-ring terminals - with screwdriver flat Ø 6 mm M3.5Control circuit: 1.7 N.m - on lugs-ring terminals - with screwdriver Philips No 2 M3.5Power circuit: 1.7 N.m - on lugs-ring terminals - with screwdriver flat Ø 8 mm M3.5Power circuit: 1.7 N.m - on lugs-ring terminals - with screwdriver Philips No 2 M3.5 operating time53.55...72.45 ms closing16...24 ms opening safety reliability levelB10d = 1369863 cycles contactor with nominal load conforming to EN/ISO 13849-1B10d = 20000000 cycles contactor with mechanical load conforming to EN/ISO 13849-1 mechanical durability30 Mcycles maximum operating rate3600 cyc/h 60 °C Complementary coil technologyBuilt-in bidirectional peak limiting diode suppressor control circuit voltage limits0.1...0.25 Uc (-40…70 °C):drop-out DC0.7...1.25 Uc (-40…60 °C):operational DC1...1.25 Uc (60…70 °C):operational DC time constant28 ms inrush power in W5.4 W (at 20 °C) hold-in power consumption in W5.4 W at 20 °C auxiliary contacts typetype mechanically linked 1 NO + 1 NC conforming to IEC 60947-5-1 type mirror contact 1 NC conforming to IEC 60947-4-1 signalling circuit frequency25...400 Hz minimum switching current5 mA for signalling circuit minimum switching voltage17 V for signalling circuit non-overlap time1.5 ms on de-energisation between NC and NO contact1.5 ms on energisation between NC and NO contact insulation resistance> 10 MOhm for signalling circuit contact compatibilityM4 compatibility codeLC2D Environment IP degree of protectionIP20 front face conforming to IEC 60529 protective treatmentTH conforming to IEC 60068-2-30 pollution degree3 ambient air temperature for operation-40…60 °C60…70 °C with derating ambient air temperature for storage-60…80 °C operating altitude0...3000 m fire resistance850 °C conforming to IEC 60695-2-1 flame retardanceV1 conforming to UL 94 mechanical robustnessVibrations contactor open: 2 Gn, 5...300 HzVibrations contactor closed: 4 Gn, 5...300 HzShocks contactor open: 10 Gn for 11 msShocks contactor closed: 15 Gn for 11 ms height77 mm width90 mm depth95 mm net weight1.017 kg Packing Units Package 1 Weight1.080 kg Package 1 Height0.940 dm Package 1 width1.140 dm Package 1 Length1.100 dm Contractual warranty Warranty18 months
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Do you want to read your paranormal book reviews in the context of their series? Are you interested in the violence, sensuality, and humor levels of paranormal series? You've come to the right place. On this blog, each book is reviewed within the blog entry for its series. When a new book is published, the series entry is updated to include that book. Each series is rated on a 1-5 scale for violence, sensuality, and humor.


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curbstomp wrote:M-Dogg 20 uses the song O' Fortuna from Carl Orff's Carmina Burana. Great operatic score. It's been used in a number of motion picture soundtracks, most notably the film Excalibur... *Hoooh!* And you no doubt recognize it as the druid's theme from WM14. In the past, and this weekend he was using the actual version which dips in the volume for around a short period before hitting a crescendo. At BOLA & more of his recent indy events he was using an edited version I believe that did not have that section where the choir is singing the lyrics under their breath.
I know, too much info.
Yeah I noticed that the real version has the dip. And he used an edited version at the TPI.


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You know that dodgy part of town where vendors hawk off-brand imitations while keeping a beady eye out for a police crackdown? Well, it may be a fun place to visit once in a while, but no one wants to run a half-ass cleat. Steer clear of the sketch and step to the Second Degree cleat, loaded with the essential performance features and benefits at a price that any hardcore laxer can get into. Built on a lightweight platform for taking it to the crease in a hurry, 14 lightweight TPU pegs underfoot provide superior traction and motion control on rolls and dodges. Add in elite styling and ankle straps for bonus stability (or flare), and you're ready to take your game to the Second Degree.
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Morgan Stanley (MS) said early Thursday that it had net sales of $8.2 billion for the first quarter ended March 31, compared with revenues of $6.9 billion a year ago. For the current quarter, income from continuing operations applicable to Morgan Stanley was $1.0 billion, or $0.50 per share, compared with a loss of $79 million, or a loss of $0.05 per share, for the year-ago period.
Excluding a debt-value adjustment of $317 million, net revenues for the current quarter were $8.5 billion compared with $8.9 billion a year ago and income from continuing operations applicable to Morgan Stanley was $1.2 billion, or $0.61 per share, compared with income of $1.4 billion, or $0.71 per share a year ago.
Analysts had expected the company to report earnings excluding items like DVA of $0.57 a share on $8.35 billion in revenue, according Reuters.
"Morgan Stanley demonstrated solid momentum across the firm this quarter, consistent with the strategic objectives we laid out at the beginning of the year," said Chairman and CEO James Gorman in a press release.
Wealth Management
Morgan Stanley's Global Wealth Management Group reported pretax income from continuing operations of $597 million compared with $562 million in the prior quarter and $403 million in the first quarter of last year. The quarter's pretax margin was 17% versus 17% in the prior quarter and 12% a year ago.
Net revenues for the current quarter were $3.47 billion, compared with $3.32 billion in the prior quarter and $3.29 billion a year ago. Income after the noncontrolling interest allocation to Citigroup (C) and before taxes was $476 million.
Net income for the first quarter of 2013 was $255 million, down 4% from $267 million in the prior quarter, but up 29% from the year-ago quarter.
In terms of the unit's advisor headcount, Morgan Stanley had 16,284 reps as of March 30 versus 16,352 as of Dec. 31, 2012, and 16,726 as of March 30, 2012—a 3% year-over-year decline (or a loss of 442 advisors).
As its headcount fell slightly, its annualized average fees and commissions per advisor rose to $851,000—a 5% jump from the earlier quarter and a 9% jump from last year.
The average level of client assets per rep was $110 million, up from $104 million three months ago and $100 million a year before.
Fee-based assets continue to rise. They now stand at 35% of total assets versus 33% in Q4'12 and 31% in Q1'12. Meanwhile, fee-based assets flows totaled $15.3 billion in the most-recent quarter, up from $6.9 billion in the prior quarter and $10.2 billion a year before.
The wirehouse firm notes that its asset management fee revenues of $1.9 billion increased 8% from last year's first quarter "primarily reflecting an increase in fee-based assets and positive flows."
Compensation expenses for the current quarter were $2.1 billion, compared with $2.0 billion a year ago on higher revenues, the firm says. At the same time, noncompensation spending of $808 million fell from $879 million a year ago, partly driven by the absence of platform integration costs (tied to the merger of Morgan Stanley and Smith Barney).
Total client assets were $1.8 trillion at quarter end.
"In Global Wealth Management, our operating pretax profit was the highest in our history," Gorman said, "and we look forward to completing the acquisition of the remaining 35% of our wealth-management joint venture [from Citi] once we have obtained full regulatory approval."
Check out AdvisorOne's Q1 Earnings Calendar for the Finance Sector.


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Boise, Idaho 83702
United States


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text: What causes indoor air pollution? Many everyday household items may contribute to poor indoor air quality. Compounds found in carpeting, furniture, upholstery and drapery fabric constantly emit gases or fumes. Other sources of pollutants can include cleaning agents, paint and personal care products. Though they are usually more efficient, today's homes do not breathe (ventilate) the way older homes have. Tight-sealing weather stripping and storm doors keep indoor air in and outdoor air out. This provides higher energy savings, but the limited exchange of outdoor and indoor air can mean a buildup of contaminants on the inside of the house. In these circumstances, a whole home ventilation system is recommended. Ventilation systems exchange stale indoor air for cleaner outdoor air, without sacrificing energy savings. Back To Frequently Asked Questions


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At many advisor conferences, no sooner has the speaker put down his or her PowerPoint slide changer than the hands go up in the audience. After Rob Arnott's presentation on Friday morning at the annual Morningstar ETF Invest conference in Chicago, there were moments of silence when he finished his prepared speech. It wasn't an uncomfortable or confused silence. Rather, the audience was still trying to catch its intellectual breath following a speech that was by turns amusing and data-heavy but mostly thought provoking.
Arnott's theme was smart beta, a popular theme at this conference and among advisors in general. He defined smart beta as living between the active investing and the passive investing approaches, and argued that in addition to making "the ETF and index arena much more interesting," he sought to answer the question of why smart beta produces better return than active management.
Part of the answer comes from active managers' need to include popular asset classes and individual holdings in a portfolio, but part of it comes as well from smart beta's ability to "capture structural alpha." ETFs, Arnott said, are a "natural vehicle to deliver smart beta," especially those funds based on non-cap-weighted indexes.
To see whether smart beta actually works, Arnott and his team at Research Affiliates decided to test how five popular smart beta strategies would have performed from 1964 to 2012. While a cap-weighted strategy would have produced a 9.7% return over that period, each of the smart beta strategies added at least 2% more to the return numbers.
To test further whether fundamental indexing outperformed cap-weighting, his researchers decided to "flip the strategies on their heads," reversing the weight of all the holdings in the fundamental strategies, giving the highest weighting to the holdings that were the lowest and vice versa, and the outperformance held. His conclusion: smart beat outperforms because it breaks the link between price and weighting in the portfolio.
Arnott said that when he had passed along a draft of his findings for comments before going public, one reader asked if his firm could license the upside-down strategy from Research Affiliates. "No, you can't license it," Arnott said he replied, "but you can have it."
Once the audience began to ask questions, one further benefit of fundamental indexing in both the ETF and mutual fund space became clear. A listener — likely an advisor — asked whether Research Affiliates had done any work on the tax efficiency of smart beta. Arnott answered that in the six years that Schwab had been running a RAFI-based (Research Affiliates Fundamental Indexing) mutual fund that there had been no capital gains distributions, to his knowledge. The same held true for the PowerShares RAFI ETFs, he said.
As for future research efforts, Arnott suggested that long-horizon mean reversion is "the most understudied topic in the capital markets" perhaps party because for investors, waiting for a reversion to the mean can be painful.
He then closed with an appropriate quote from Baron Rothschild, who made his fortune during the Napoleonic Wars. "Everyone knows the first part of the quote," Arnott said, "'Buy when there's blood in the streets,' but few know the second part of the quote: 'even if the blood is your own.'"


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Tagged: Settlers of Catan
Angels of Catan, a Holiday Induced Hot Stove Mash Up
Once we got the house put back to rights after Thanksgiving, Seth and I spent most of the weekend playing strategy games with headlines on MLBN and Bloomberg playing in the background…as you do, when you're a couple of geeks who have decided that all of the responsible chores you had planned for the long weekend just really don't sound appealing. So instead of plastering and painting the bathroom, we played a lot of Settlers of Catan among other things.
For those of you who've never heard of it, Settlers of Catan is a continually variable resources management game. Think of it as Sid Meier's Civilization unplugged. You shuffle the tiles and their numerical dice role assignments that make up the playing board at the beginning of every game, so rarely are any two games the same. Your goal is to get enough resources to build cities and other things that are worth points, oh and to keep your buddy from doing so. But in order to do this you have to trade with your buddy a lot because there is always a key resource or two you can't access on your own.
Hey Kristen, this is highly entertaining and all. Sounds like another fun game. But isn't this supposed to be, oh, I don't know, a baseball blog? Oh. You again. Hey, I brought it back around to baseball the last time I went on a strategy game tangent. Just work with me for a minute here. I'm getting to that part!
So, as I was saying. *glares over her shoulder at the peanut gallery* There we were playing Catan. Making trades. Listening to MLBN and hearing about trades though nothing earth shattering. And, well, my brain tends to make weird connections between completely disparate things.
You're telling me! Quiet, you.
Ahem. All the trading just started to seem hilariously parallel, especially the AA and AAA outfielders I've never heard of that some teams seem to be stockpiling. In Catan, if you've pissed off your buddy so much by thwarting him that he won't trade with you (or you're close to winning which we refer to as being "Cuba") you have an option of stockpiling 4 of some useless resource and trading it "off the island" with the deck for one of something you actually need. So, how many no name minor league outfielders does it take to build a major league closer? Or a clutch hitting third basemen? Or anyone we would actually like to hear about…and by we, I mean I because, well, I'm baseball news selfish like that. But more than lightbulb-esque jokes about minor league players, my strange baseball/Settlers of Catan juxtaposition lead to an oddly accurate illustration of the Angels current player situation.
See, it totally relates. Well, it's about bloody time!!
Here it is, presented for your gaming pleasure, just in time for the holidays, Major League Baseball Players of Catan: The Angels Expansion! Hey, they have every other theme and expansion under the sun for Catan, why not? Anyway, looking at my goofy creation and the board the Angels have been clearly playing with for the last couple of seasons, I think the problem is readily apparent, don't you?:
I mean if my dice roll options for hitting looked like that, you better bet I'd shuffle up the game board at the nearest opportunity. Strong starting pitching options with a few holes. Good and bad bullpen options based, seemingly, on a roll of the dice. Good fielding and throwing. Some speed. Some strong hitting for average but also some really poor hitting for average and almost no power hitting at all. I keep hearing all kinds of trade and signing rumors about the Angels, as we all do about our teams this time of year, but nothing that I like at all so far.
Catan, for real or as an illustration of the relative talents of Angels personnel, is all about balance and trying hard to compensate for lack of balance when it invariably occurs. Only rarely is pumping up one strength to the neglect of some or all of the others a good strategy. There is no shooting the moon, in baseball or in Catan. And, let's be honest here, even teams with a lot of money still don't have infinite money. Balance and prioritization are essential.
I do not want C.J. Wilson, one of the more consistent rumors. Not only do I not like the fact that the converted reliever slowed down earlier this season than last, but I think that it would be throwing entirely too much money at something that is already mostly a strength. We have a hole and a half, if you will, in our starting rotation. But we only have one power bat in our lineup…unless Vernon Wells and Kendrys Morales come back in typical shape, but notice I'm not counting on that. I might have liked the David Ortiz rumor. Say what you will about the Fenway toybox, he always kills it in Anaheim, unlike Vernon Wells which probably should have been a clue, but I digress… But we have such a glut of big contract lame duck bats, at least going by 2011's numbers, in the DH spot that I can't see a way for the team to get rid of so, really, what's the point?
So far, the rumor I like the most is Aramis Ramirez, but that one isn't perfect either even when you ignore his fits of bad attitude for the sake of argument. More power at third base would be really nice. Really, really nice. But people forget that Alberto Callaspo may not be flashy but he hit consistently for average all season long, our highest batting average in 2011 in fact. And while I would like some power, if we replace Callaspo, we would then need to make up his batting average somewhere else in the lineup somehow. How about a power hitting catcher…or, even, an average hitting catcher? Clearly the slumping bats need to step it up big time or be replaced. But is that possible? It's a puzzle. A Catan worthy puzzle. Mike Scioscia has said he likes playing Civilzation. I wonder if Jerry Dipoto likes resources management strategy games? Because like it or not, he's got a pretty tricky one ahead of him.