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" Hey there", a solid baritone voice addressed. "Just how can I assist you?"
Fran, the co-owner of Twelve o'clock at night Magic Escorts, was calling Clare, her recently worked with virgin escort. The young songs pupil's New York City escort permit had actually been accepted as well as Fran had actually presented a bidding process battle amongst her well-off customers as to that would certainly take the beginner's cherry. This was the financial assistance Clare had actually informed her she required so terribly, that she had actually used to end up being an escort.
He is anticipating your phone call. Did you keep in mind to select out an escort alias name?
Fran chose to move on with the discussion as well as needed to look at an essential factor. "Currently woman, you have not been tinkering any type of children given that your meeting, have you?"
Clare was real to her word as well as remained away from kids. Sampling and also touching Jerome's splendid penis as well as sensation Fran's warm tongue on her clitoris had actually stired up a solid interest.
" Many thanks quite for organizing this. I will certainly call him the minute you message me the number."
The message got here in much less that a min. Clare stood as well as aligned her skirt as if she wished to be much less laid-back when she chatted with the gent that would certainly make her a female. Her feelings were contrasted in between sex-related expectancy and also anxious power as she called.
Celeste flushed also extra at this. "One last point, I do not such as a great deal of make-up.
Clare, the currently relabelled Celeste, responded, "Hey there sir, my name is Celeste. I am calling from the firm. I comprehend you intended to be with me this night."
Celeste flushed crimson and also murmured shyly, "Yes sir. I will certainly bring my cello."
" I have actually set up a limousine to choose you up at 7:00 tonight. I would certainly enjoy to pay attention to you play as I mug your busts as well as stroke your pussy."
" Oh, yes. Jerome and also I are great. He asked me to greet."
" Hi doll, this is Fran, your brand-new employer."
When Clare addressed the phone in her dormitory that early morning, she grinned as well as instantaneously an erotic photo stood out right into her mind.
Fran had actually sent out a brief bio of the beginner, along with duplicate of her current high college yearbook image which revealed off her wonderful, innocent as well as extremely quite face. Mr. R. was a well-off client of the arts with an unique desire for the cello which was timid Clare's tool at the Julliard College, Songs Department.
If Celeste had actually remained in his penthouse house she would certainly have seen him grin as well as lick his lips. He proceeded like a guy that was made use of to providing orders.
The young pupil had actually invested lots of nights masturbating her pain pussy believing regarding the fantastic thick black member of Fran's partner that she had actually when tasted in her mouth and also the hefty spheres she had actually held in her little hand. Her pussy pulsated as well as spurted at the idea. Any individual seeing this would certainly have believed that right here was a lady that required an excellent fucking.
Clare's mind remained in a little bit of a haze as she had actually slid a finger under the component of her panty which covered her girly components as well as was gradually rubbing backwards and forwards the slit of her soft down-covered pussy with an unique twirl around her clitoris on top of each stroke.
The photo of Fran with her head hidden in her crotch, licking her clitoris adeptly created her pussy to start to dampen at the idea. She responded shyly,
She assumed, "Greet from him, heck no. He informed me he desires the suggestion of his dick to state a large hi to the inmost end of the brand-new worker's limited vaginal canal."
" Naturally, Celeste. I was anticipating your phone call with wonderful expectancy."
He proceeded, "Use a white shirt that switches ahead as well as a lengthy black skirt. You recognize, the sort of attire any type of women cellist would certainly use when executing in a band. I such as simple white underwears and also do not use a bra."
" Hey there Madam. I wish you as well as your spouse are well."
He might promptly listen to Celeste capture her breath. This was precisely what he enjoyed to do, take a lady quickly out of her convenience area as well as develop the sex-related stress in addition to develop that remained in control. He desired her to consider this when she is driving over.
" No madam," she specified shyly. "I did specifically what you informed me."
Clare laughed as well as stated gladly, "I selected Celeste, Madam. Celeste, the cellist.
She added as a second thought. Jerome had blue spheres for a week after being annoyed in not being permitted to fuck Clare's extremely prepared pussy at her meeting for the escort task.
" TERRIFIC!!" Fran break out, happy, and also the idea of bucks starting to develop in her mind. She took a deep breath.


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We're coming to you from Hackerspace, the commenter-run playground for Lifehackers. Drop by Hackerspace any time you want to share your tips, how-tos, or just talk it out with your fellow readers. Want to be an author here? Shoot us a line on the comment thread below.
Here's another cute dog.
Image: tumblr


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On Monday, the seventh day of the government shutdown, House Speaker John Boehner refused to budge on bills to reopen the government or raise the debt ceiling without the Obama administration negotiating on ways to trim the deficit.
Meanwhile, a senior White House official said Monday that President Barack Obama would accept a short-term increase in the federal borrowing cap, rather than one lasting a year or more.
But Obama said that he would not negotiate on fiscal matters until the debt ceiling was raised and the government reopened.
"We're not going to negotiate under the threat of economic catastrophe," Obama told federal workers at the Washington headquarters of the Federal Emergency Management Agency, according to Bloomberg.
Some GOP House members are urging Boehner to resurrect the so-called "Boehner Rule," which demands that any increase in the debt limit be accompanied by equal or larger reductions in spending, according to Paul Van de Water, a senior fellow at the Center on Budget and Policy Priorities.
Van de Water says in an Oct. 4 blog post that such calls to resurrect the Boehner rule are "cause for serious concern." Following this rule, he says, "would impose an extremely onerous — and unnecessary — budget goal, and ultimately have devastating consequences," as "this rigid formula would require additional spending cuts in any year in which the debt grows in dollar terms, even if the debt is stable or shrinking in relation to the economy."
Under the formula, Van de Water continues, "programs that strengthen economic growth or serve low- and middle-income Americans could be cut to allow the debt ceiling to be raised, but savings from curbing special-interest tax breaks would not count for this purpose."
While the nation is hurtling toward an Oct. 17 debt limit deadline, some independent analysts told The Washington Post that the real deadline is likely Nov. 1, when the Treasury Department is scheduled to make nearly $60 billion in payments to Social Security recipients, Medicare providers, civil-service retirees and active-duty military service members.
Political strategist Greg Valliere of Potomac Research noted in his Monday commentary that if Nov. 1 is really the drop-dead debt ceiling deadline, then "you can be certain this crisis will persist until Halloween."
While Valliere says that the financial markets "aren't worried about a default crisis," and that he isn't either, as "we agree that a default is extremely unlikely (but not totally out of the question)," the "bigger concern is the corrosive impact of the shutdown on the economy, which will intensify in the coming days." Labor numbers, too, are on hold until the shutdown is lifted. The Bureau of Labor Statistics failed to release its usual monthly jobs report on Friday "due to the lapse in funding." BLS said that only three employees are now working, down from the usual 2,400. After the government reopens, Labor will need three days to process the report, CNBC reporter Steve Liesman tweeted.
Meanwhile, the Senate Banking Committee plans to hold a hearing Thursday titled "Impact of Default on Financial Stability and Economic Growth." Those testifying include Frank Keating, President and CEO, American Bankers Association; Ken Bentsen, President, Securities Industry and Financial Markets Association; Gary Thomas, President, National Association of Realtors; and Paul Schott Stevens, President and CEO, Investment Company Institute.
Check out Sweat the Debt, Not the Shutdown by Ron DeLegge on ThinkAdvisor.


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A short story collection for people with more than four questions — way more — about how to reconcile their Jewish faith with their Phish bootlegs
You're young, you're Jewish, and you're praying – well, maybe not praying – for a short seder. Who understands you? Elisa Albert, author of How This Night Is Different (Free Press, $18.95) a smart, funny and often bawdy collection of stories about young Jews looking for meaning in rituals that include a seder, a wedding, bat mitzvah, a Yom Kippur service and a packaged tour of Auschwitz. As a Nov. 22 review on this site noted, Albert's writing transcends the label "Jewish fiction." But How This Night Is Different could still make a fine Passover gift for anyone hip enough to see the comic potential characters such as a 31-year-old single woman who goes home for the holiday with that least inappropriate of ailments, a yeast infection. How many short story collections have, as this one does, a cover inspired by a bottle of Manishevitz?
Links: Author site www.elisaalbert.com. One-Minute Book Reviews review
© 2007 Janice Harayda. All rights reserved.


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The Boeing 747-400 is a wide body, four-engine jet manufactured by Boeing, the American aerospace company. Its distinctive upper deck shape has earned it the nickname "Jumbo Jet". BA is the world's largest operator of the Boeing 747. The 747-400 is a proven performer with high reliability and incorporates major aerodynamic improvements over earlier 747 models, including the addition of winglets to reduce drag, new avionics, and a new flight deck.
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|13,450km (8,357 miles)
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Union Pacific Corporation's CFO to Address Wells Fargo Securities Industrial and Construction Conference
Omaha, Neb., May 05, 2011 Rob Knight, chief financial officer of Union Pacific Corporation (NYSE: UNP), will address the Wells Fargo Securities Industrial and Construction Conference at 10:50 a.m. ET on Thursday, May 12, 2011 in New York, NY.
Interested investors may listen to the presentation via a live Internet webcast. The audio webcast and presentation material will be available through our website at www.up.com under Investors. To listen to the call, please go to our website at least fifteen minutes early to register and install any necessary software. Following the live webcast, an Internet replay of the presentation will be available through Union Pacific's website.
About Union Pacific
Union Pacific Corporation owns one of America's leading transportation companies. Its principal operating company, Union Pacific Railroad, links 23 states in the western two-thirds of the country. Union Pacific serves many of the fastest-growing U.S. population centers and provides Americans with a fuel-efficient, environmentally responsible and safe mode of freight transportation. Union Pacific's diversified business mix includes Agricultural Products, Automotive, Chemicals, Energy, Industrial Products and Intermodal. The railroad emphasizes excellent customer service and offers competitive routes from all major West Coast and Gulf Coast ports to eastern gateways. Union Pacific connects with Canada's rail systems and is the only railroad serving all six major gateways to Mexico, making it North America's premier rail franchise.
For further information, contact Michelle Gerhardt at (402) 544-4227.
The statements and information contained in the news releases provided by Union Pacific speak only as of the date issued. Such information by its nature may become outdated, and investors should not assume that the statements and information contained in Union Pacific's news releases remain current after the date issued. Union Pacific makes no commitment, and disclaims any duty, to update any of this information.


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- 57 years of experience
- Speaks English
- University of Tennessee
- 1 specialty
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Barry S Siller
Obstetrics and Gynecology, Gynecologic Oncology
Houston, TX 53.52 mi
Ramana S Jones
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John M Lloyd III
Obstetrics and Gynecology
Houston, TX 60.74 mi


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|August 22, 2018
Piranha Swim
Submitted by: Jared d'Voiles
Event Location:
Address: 25040 Stewart St., Loma Linda, CA 92350
Description: The Piranha Swim Team is centered around four levels. The Novice, Bronze, Silver and Gold groups each represent their own particular level of participation and performance. These groups are for swimmers who are competing, or would like to compete. The Novice pillar is generally considered the entry point for swimmers and can be characterized by minimum expectations and participation. The focus is on swimming technique and training habits. This is an instructional level that focuses on the basic fundamentals of all four competitive strokes. Practice for this level is focused on refining techniques of all four strokes with emphasis on kicking, stroke drills, body position, starts and turns. The minimal requirement is to swim one length of the pool unassisted. In order to progress at a satisfying pace, we recommend a minimum of three practices per week. There is an $85 annual fee for this course. The ad-on fee covers USA Swimming Registration ($62 per year) and swimmers will also receive
City News Group Inc. | 22797 Barton Road Grand Terrace CA 92313 | Phone: 909.370.1200 | Fax: 909.825.1116


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|Page Views: 465653
© 2010, All Rights Reserved Alison T. Jacks / Family Child Care Taxes
Alison T. Jacks is an Enrolled Agent specializing in tax preparation and payroll services for California family child care providers. A graduate of the University of California, Berkeley, she is dedicated to effective client communication and attention to detail. Alison has a diverse clientele, but since 2007, she has been accepting child care provider clients only. The FCC Payroll Service was launched in 2010 to meet the needs of preschool and day care employers.
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Website by Cooksey-Talbott Studio.
Special thanks to Cooksey-Talbott for his photographs of the Fremont Hills.


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The mutual fund industry and former Securities and Exchange Commission officials are fighting back over a rule adopted by the Commodity Futures Trading Commission that will force many mutual funds to register with the CFTC.
The Mutual Fund Directors Forum, the independent membership forum for fund directors, is the latest group to join in the fight along with the Investment Company Institute, the U.S. Chamber of Commerce as well as former SEC commissioners and senior officials at the agency.
On Thursday, the Mutual Fund Directors Forum filed a "friend of the court" brief with the Court of Appeals for the D.C. Circuit, supporting a challenge brought by ICI and the Chamber of Commerce.
Joining in the Forum's brief were former SEC Chairman Richard Breeden, former Commissioners Paul Atkins, Ed Fleischman and Joe Grundfest, and former directors of the SEC's Division of Investment Management Allan Mostoff, Paul Roye and Marianne Smythe.
The brief argues that the CFTC failed to account for and justify the impact that its rule change would have on shareholders of mutual funds. The brief notes that the CFTC failed to adequately quantify the increased costs that would result from funds being dually registered with the SEC and CFTC and did not show how shareholders would benefit from the new rule.
"It is still very unclear what, if any, benefits there will be to shareholders from having funds register with the CFTC," said Susan Ferris Wyderko, president & CEO of the Mutual Fund Directors Forum, in a statement. "Investors will bear additional costs without offsetting benefits, and will be harmed when the number of risk management strategies offered by mutual funds is inevitably reduced as a result of funds trying to avoid triggering the burdens of dual registration."


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Ideas about the uniqueness of America's largest ever municipal bankruptcy continues to erode as more and more analysis and opinion questions whether Chicago is the next Detroit?
But the dawning awareness that Chicago has similar unmet obligations, or indeed that the state of Illinois is drowning in unfunded pension liabilities nearly two and a half times the size of its annual revenue, may mask a different question: How will Americans overcome a continental crisis, akin to Europe's in scope, with unfunded pensions across America's states and cities amounting to trillions of dollars?
The Economist recently cited estimates of the states' pension funding gap at $2.7 trillion, or 17% of U.S. GDP. A recent Pew Charitable Trusts analysis found that pension liabilities for 61 cities were 26% unfunded to the tune of $99 billion while their retiree health care liabilities were 94% unfunded, leaving a gap of $118 billion.
These numbers likely understate the true debt since, The Economist writes, "By the states' own estimates, their pension pots are only 73% funded. That is bad enough, but nearly all states apply an optimistic discount rate to their obligations … If a more sober one is applied, the true ratio is a terrifying 48%."
In contrast, private pensions funded by America's largest corporations are in much better shape. Global consultant Mercer recently reported that S&P 1500 company pension plans are funded at 89%. What's more, American corporations are sitting on large levels of cash that could be used to pay pension obligations.
But who will pay for government promises to public sector employees? That is a question that has roiled Europe as Germans and other fiscally conservative EU member states have balked at paying the pensions and health benefits of Greek, Spanish and Portuguese government workers.
Barring massive reforms in or funding for the state and municipal pension systems, will Nebraska, whose pension liabilities amount to just 6.8% of annual state revenue or Wisconsin with a 14.4% ratio, be asked to bail out Illinois and Connecticut, with 241% and 190% ratios, respectively? When the scale of the problem becomes manifest in current budgeting, and the means to pay for it unavailable, will politicians seek to nationalize the problem with a taxpayer bailout?
David Jacobson, a spokesman for Moody's, which calculated these ratios and which assigns state and municipal credit ratings, offered this response to ThinkAdvisor's question as to whom its analysts expect will ultimately pay the tab for these liabilities: "We don't offer 'solutions' to our rated entities; we just assess the credit risks for bondholders."
Solutions suggested by The Economist seem practical, if not politically ripe:
"Public employees should retire later. States should accelerate the shift to defined-contribution pension schemes, where what you get out depends on what you put in. (These are the norm in the private sector.)"
In the meantime, extravagent pensions—like the Rhode Island fire chief who could collect close to $800,000 annually if longevity is on his side or the tens of thousands of pensioners in California who will be collecting six-figure incomes—will continue to take their toll on state budgets.
Municipal spending, and basic city services, are also under tremendous current and mounting future pressure.
Anthony Flint, a fellow at the Lincoln Institute of Land Policy, a think tank, recently wrote that pensions already consume 20% of municipal budgets, but their costs are growing rapidly: "If trends continue, over half of every dollar in tax revenue would go to pensions, and by some estimates in some cases would suck up 75% of all tax revenue."


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Tom Nally had a tough act to follow at TD Ameritrade Institutional, but a year after Nally assumed the presidency of TDAI, he is exhibiting leadership that both embraces continuity at the custodian while placing his own stamp on the organization. That leadership is perhaps most clearly seen in the team approach to fulfilling TDAI's strategy of growing assets by serving advisors, with support from the top in the enhanced presence at TDAI events of TD Ameritrade's President and CEO Fred Tomczyk, and the emergence of Skip Schweiss and the recently hired Jim Dario as key members of Nally's team.
In a series of in-person and telephone interviews with Nally, Schweiss and Dario, continuity and new purpose were on clear display. They were in evidence as well at TDAI's national conference in San Diego as the calendar moved from January to February, where in a Q&A session following comments by Tomczyk, Nally, Tom Bradley (Nally's high-profile predecessor and mentor who now runs TD Ameritrade's retail business) and Marvin Adams, COO of TD Ameritrade, two attendees got to the heart of advisors' relationships with their custodians. One advisor asked if TD could cut its costs to advisors. A second advisor asked about competition for clients between TDAI RIAs and TD's retail branches.
These pointed questions have become a hallmark of the TDAI conference: The executives share their vision and strategy in the advisor space while the advisors share their bottom- and top-line concerns, simultaneously asking for help in running more profitable businesses while seeking reassurance that their custodial partner isn't competing with them.
The answers from the executives were direct and clear. TDAI's open-architecture Veo technology platform ensures that advisors can run more profitable businesses, Nally responded, while Bradley stressed that compensation for all TD Ameritrade employees, in both the retail and advisor channels, is based on growing assets for the overall company and scoring well on customer service.
In the retail branches, a client with more than $500,000 in investable assets is routinely referred to TDAI RIAs, said Bradley, but that's not a strict line; the complexity of a client's financial life may well lead a retail branch to refer investors to an RIA even if they don't meet that minimum.
"In our organization," said Nally (left) in an interview following the national conference, "every person is compensated based on net new assets and our CSI client satisfaction index, so there's a financial incentive" to all TD Ameritrade staffers to grow assets regardless of the channel. "We're here to serve advisors," Nally stressed, so "if we deliver to advisors, ultimately we're all more successful."
Human Capital, for TDAI and Advisors
Nally and TD put their human capital money where their mouths are. "For us, and for me personally, our associates are our most valuable resource," Nally said. "We're fortunate to have a great culture—that's not an accident." Nally stressed that an authentic service culture "can't be a façade." His approach to team building? "Treat [associates] with dignity and respect" and make clear to them "how valuable they are to the organization, so the client can feel that."
From a leadership perspective, Nally said, "it doesn't just happen" that you get the right people in your organization. "You have to be thoughtful around the decisions you make and the people you hire." Yes, the company has "quant goals" for its associates, but achieving those goals can't be done, he said, "by any means necessary." Rather, his approach is to "aggressively make sure that people buy into our way of doing things." TDAI's team approach is "a central part of the culture—everything we do overlaps," so "if Jim [Dario] does something, there will be a downstream effect on Kate Healy in marketing, on Kristen Petrick in public relations."
As a case in point, he presented the aforementioned Dario, who was hired away from Pershing Advisor Solutions last September. "I was looking for two things" in that high-profile hiring, Nally said. "He knew the RIA business cold—he has 20-plus years experience—but he's also a good leader and a good guy who could fit right into the culture."
So was fielding those pointed questions from advisors at the national conference uncomfortable? "Transparency is an important thing because it keeps everybody accountable. We have nothing to hide," Nally said. TDAI's goals? "We're trying to further the industry, grow the RIA space, increase the visibility of the model and help advisors grow. There's no benefit to hiding behind walls; we spend an enormous amount of time listening" to what RIAs want, including conducting multiple advisory boards. One such board includes principals of firms, where in day-and-a-half meetings, "we ask if they're seeing the same trends we are" and specifically ask those advisors about "the hot-button issues that they're facing."
One example of listening to advisors, Nally said, is the Veo platform's open access approach to technology. "When we first went down this integration path, we wondered, 'Should we pick one partner or multiple? Advisors told us that even if you build [one application], we won't switch."
Summing up TDAI's internal human capital approach, Nally said, "We don't have a lot of egos in our organization; there's not a lot of hubris."
As for helping advisors with their own human capital challenges, at the national conference TD announced a new program that will award 10 scholarships worth $5,000 each to students in undergraduate financial planning programs. In addition, TD will award a $50,000 grant to a university that "best demonstrates a commitment to educating the industry's future financial professionals."
In an interview during the conference, Dario (left), TDAI's managing director of product development, said that while undergraduate business majors receive training in various related subjects, financial planning is not one of them. The scholarships and grant, Dario said, are part of an overall strategy to help raise the profile of financial planning students and make the profession appear more desirable to good students, but will also bear benefits for RIA firms, not only in terms of succession planning, but in helping advisory firms serve the next generation of investors. Clients, he pointed out, "like to work with people who are like them" in demographics, age and interest.
Nally pointed out that TD hosted 31 financial planning students at the national conference and that those students walked away with "75 job offers. That's development of future talent," he said, but it was also part of TDAI's strategy of "promoting the RIA model."
Advocacy and Action
Bradley was long the most vociferous public supporter of the SEC imposing a fiduciary standard on all advice-givers, but since his move to the retail side, Skip Schweiss has become TDAI's most prominent advocate of the fiduciary standard. In his dry, matter-of-fact way, Schweiss suggested that the financial services industry "has done a great job of confusing the consumer," while TDAI advisors have told him that many are successfully using their fiduciary duty as a differentiator by "developing a clear story" about how having such a duty benefits clients.
While TDAI does not have a knee-jerk response to every fiduciary issue—for example, the Department of Labor's off-again, on-again fiduciary proposal on retirement plans and advisors—Schweiss is adamant that "the industry needs to do a better job about consumer protection." Partly as a means to that end and to bring all the major players in the fiduciary debate together, TDAI announced it would host an invitation-only "fiduciary leadership summit," in Schweiss' words, on June 13 in Palm Beach, Fla. The intent is to determine "how we go forward with the uniform fiduciary standard" by picking the collective brains of advisor associations like the Investment Adviser Association, consumer groups such as the Consumer Federation of America and the American Association of Individual Investors, and regulators from the SEC and FINRA.
Whihe is a principled advocate for advisors, Schweiss (left) knows enough about how Washington works to be a cold-eyed realist on the chances of implementing much of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Over all, he said that with the resurgence of the stock market in 2012, the pressure to implement a number of Dodd-Frank requirements has subsided. For example, on Dodd-Frank Section 914, which called for the SEC to consider a self-regulatory organization for RIAs, he wonders that with the current Congress' focus on "guns and immigration, where does an SRO fit?" On Section 913, which called for the SEC to study whether a fiduciary standard should be applied to brokers as well as RIAs, he expects a concept release to come from the SEC by "early summer," which will include a request for comments on "what should go into the cost-benefit analysis."
Wealth Management Products and Services
"Everything an advisor can get from a wirehouse they can get from us," said Dario in a January interview. In his new role at TDAI, Dario is in charge of new products but also oversees the custodian's practice management and wealth management efforts. "We're trying to be a strategic resource" to RIAs, Dario said, as evidenced by the "3,600 consultative engagements" that TDAI has conducted with RIAs in 2012. Part of his team's approach is to identify "what the best advisory firms do to succeed" and how they "create enterprise value," then share those best practices with other advisors. The next generation of advisors, Dario argued, is critical to solving both issues. The creation of enterprise value goes beyond mere succession planning and should include how advisors "recruit, train and develop" new talent. Dario said it's important for established advisory firms to "bring in junior advisors" to learn the business and provide customer service to existing clients, but also to "serve the next generation of investors."
As part of those consulting engagements and with an eye toward using next-gen advisors to attract and serve next-gen clients, "building a brand is essential," partly by using technology such as "social media to become an expert" in advisors' non-geographically-limited community. "If your name is on the business," Dario cautioned, "then you have to be the brand." All advisory firms should use their Web presence to demonstrate their role as thought leaders by providing good content on their sites that they produce themselves or other's content that they pass along.
A third announcement during its national conference had to do with technology but also reflected TD's open-architecture approach: Through Veo, TDAI-affiliated advisors will be able to use the Web-based version of the iRebal rebalancing tool for free. The service is in beta now, Dario said, with a full-blown rollout likely by summer 2013. The iRebal announcement reflects TD's strategic partnership approach, Dario said. "We don't pretend to have all the answers" when it comes to tech tools, but instead "we partner with firms like ActiFi."
The Present and Future
That "strategic partnership" approach isn't limited to technology. Nally pointed out in a mid-February interview that when it comes to the fiduciary standard, "we give advisors the tools to articulate the difference between the fiduciary model and the broker model" to their advisor clients and elected representatives. As for the future of the advisor model, Nally sees the "silver lining of the financial crisis" reflected in consumers asking more questions of their advisors. He's also heartened by "the awareness of the RIA channel among breakaway brokers" who are "migrating in droves" to the independent advice model. Far from bashing brokers, saying many of them are "good people who want to serve their clients," he argued that even among brokers who may not be "ready to move" yet, they now consider RIAs "the aspirational model" when TDAI speaks to them. "We don't see that slowing down at all," he said, before returning to his coda: "If you put your client first, good things are going to happen; it's basic and simple."


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User account
Search all of HWI and the archives
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As Jefferson National works on building its reputation as the variable annuity company that registered investment advisors can trust, the firm is reminding RIAs that annuities, if the cost of buying is cheap enough, can offer a nearly unlimited tax deferral beyond maxing out clients' 401(k) and IRA contributions.
It's true that the variable annuity has always offered a tax deferral of up to $10 million, but the base fees and riders for most VAs have negated those tax advantages, said Jefferson National President Larry Greenberg and Chief Operating Officer David Lau during an interview last week in New York.
"Our challenge is to convince fee-only advisors to get over their inherent bias against variable annuities," Greenberg said, adding that JeffNat charges a flat $240 annual fee for its Jefferson National Monument Advisor variable annuity and earns additional revenue from the 400 underlying funds it has on offer. "It's a super-low-cost product, so you get the benefit of tax deferment."
A VA for Bargain-Conscious Bogleheads
Greenberg and Lau said their variable annuity was catching on with advisors, with their current "loyal base" of 2,000 fee-only advisors and RIAs expected to grow to 2,400 by year end on sales of $700 million.
Strikingly, members of Vanguard founder John Bogle's online fan club, the uncompromisingly bargain-conscious Bogleheads.org, have discovered the JeffNat VA and are excitedly talking about it in a long message thread.
For example, one commenter named EnlightenMe wrote: "I've been there for a while now. I love the annuity and the fee structure. It's about the same cost as owning an IRA. Lots of funds to choose from, even hedge funds, etc. Website works great. Highly recommended. I am just a contract owner and am not tied in any way to the company."
Advisor Partners President Dan Kern, a CFA who doesn't have a financial position in Jefferson National, said the enthusiasm around the JeffNat VA is due not only to its low cost but its transparency.
"What I like about what they do is transparent, reasonably priced and flexible in an industry that has traditionally been anything but transparent and reasonably priced," Kern said in an interview last week.
Further, as Shareholders Service Group Executive Vice President Dan Skiles noted a year ago, the Monument Advisor VA is wooing traditionally skeptical fee-only advisors into the annuity space because it allows them to do a 1035 exchange into the product.
"Often, an advisor will have a client that has an annuity they were sold by someone else," Skiles said. "They almost have to ignore it because the costs involved with a 1035 exchange make it prohibitive to move. There's nothing they can really do to help them."
Tax Advantages in a VA Wrapper
As for the JeffNat VA's tax advantages, this year is a good time for advisors to seek shelters for their clients as taxes across the board start to rise, Greenberg and Lau said. They compared their VA to a money management account and cited Cerulli research showing that rising taxes and ongoing volatility are driving higher demand for tactical management and alternative strategies.
Jefferson National Monument Advisor offers more than 70 alternative investment options among its 400 underlying funds along with model portfolios designed to achieve higher after-tax returns.
Barron's has named Jefferson National along with Symetra and Security Benefit as being quick to respond to higher tax rates by launching cheap, liquid and simple variable annuities. In an article written in May, Barron's writer Karen Hube quotes John Capets, an advisor and vice president at Harbor Capital Management in Charlotte, N.C., saying that he has started using the Jefferson National Monument Advisor Variable Annuity for his high-net-worth investors.
"The alternatives portfolio can generate a lot of short-term capital gains, but inside the tax-deferred annuity it has no impact," Capets told Barron's.
Former E*Trade CEO Mitch Caplan first understood the business potential for a firm that could exploit the inefficiencies of commission-driven variable annuities while he was working as an advisor at a private equity firm in 2009. A year later, he came across Jefferson National, based in Louisville, which had already redefined the VA in 2005 by stripping away its traditional and hard-to-understand living benefits, upfront loads and surrender charges.
By early 2012, Caplan led a management buyout of JeffNat in an $83 million deal so he could deploy an aggressive distribution strategy for RIAs and fee-based advisors. Joining him in the management shakeup were Greenberg, previously a first vice president of consumer banking at Merrill Lynch and then COO of Telebank, now E*Trade, and Lau, a principal and co-founder along with Greenberg of management consulting firm The Oysterhouse Group.
"We organized a company to offer low-cost variable annuities as a sustainable and disruptive business model," Lau said. "We're going to be one of the top-selling annuities this year."
Read Blogger Mike Patton on What I Learned From Investigating a Prospective Client's Annuity at ThinkAdvisor.


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The year is 2109, and cloned humans—also known as replicants (or "reps")—are used for various jobs in The United States of Earth. Replicants look identical to humans except for their feline irises. Reps' lives are short. They awake at age 25 and live for ten years, at which time disease strikes them down. Bruna Husky, a striking rep with close-cropped hair, incredible agility and strength, and tattoos to mark her status as a military replicant, discovers that other replicants have begun to attack. Bruna sets out to investigate the nature of these attacks and finds that the memories implanted in replicants' brains have been corrupted, causing the violent outbursts. In this oppressive environment, the ideas people build around their own memories are always in question.
Author Rosa Montero is a Spanish journalist who has written more than 26 books. Most of her works are not available in English, and Tears in Rain will be the first introduction for many readers. Montero talked to Ars from her home in Spain about the novel and its parallels to the real world as our biotechnologies and artificial intelligence efforts continue to progress.
"Phillip K. Dick's Do Androids Dream of Electric Sheep and Ridley Scott's Blade Runner film form part of the substrate of my novel," Montero said. "I read the book twenty years ago but the story in Tears of Rain is all its own. I explore the issues regarding replicants and artificial intelligence, both of which are luminous concepts."
Indeed, it's misguided to think about Tears in Rain as belonging to the previous book and film. It's probably more accurate to say that Rosa Montero's novel places a mirror in front of the ideas of Phillip K. Dick and Ridley Scott—it develops new ideas and questions about identity and memory, and it further explores the ways in which the reps are discriminated against. Montero accomplishes this by creating a charismatic heroine in Bruna, who sets out to investigate the film-noir environment of her futuristic society. Unlike the replicants and androids from many other works of fiction, Bruna is full of drive and passion. She's a woman of action. Bruna also provides a much-needed female perspective to the book's ideas about what it would mean to be a cloned human with memories that aren't real.
A technological war of the future
One of the most engrossing elements of Tears in Rain is the detailed history of the world. Every few chapters, Montero treats the reader to passages of historical information that provide satisfying detail about how a world full of replicant servants came to be. Midway through the 21st century, the exploration of Mars and Saturn led to the development of androids who could be forced to mine colonies. Replicants used in this way became a success and were eventually repurposed for jobs on Earth, such as deep-sea-fish farming. Over time, some of the reps rose against their owners and started what became the Rep War. Montero fills the book with details of the treaties, laws, and wars that have shaped the world. We also learn many of the ways in which the biology of the replicants has been manipulated. At the center of these events are the totalitarian corporations and governments that put a stranglehold on citizens.
"My novel denounces totalitarianism," Montero told Ars. "Corruption is inherent to human life, but it doesn't mean it has to be accepted by people."
The malleability of memory fuels the ways in which corrupt governments oppress their citizens. Bruna's own memories may not be what she thinks they are. "Memory is truly an imaginary construct when you think about it," Montero said. "Even the way you and I remember earlier events, like birthdays and love affairs—they change over a lifetime. We are editing them all the time. [In the book] authoritarian and totalitarian regimes control when they manipulate this archive of information, when they take hold of the narrative... as they do with the reps' memories."
Despite creating a bleak outlook on the misuse of information and technology, Montero says she appreciates the ways in which technology connects people around the globe. "Social media and technology are part of the Internet, and the Internet is a wonderful tool. At the same time, the problems we see with aggressive discourse, bullying, and mob mentality are awful. But the Internet is in its infancy, and things will change. And just like any other tool or technology, the Internet's potential for good or bad depends on how it's utilized."
Montero, who has spent a lifetime as a journalist and author, has an insatiable energy and curiosity for life. In some ways, she sees her android heroine as a manifestation of herself. "Bruna just appeared to me one day. I had no control over who she was. She's a favorite of mine, and she has such a fierce [desire] to live. I feel so close to her. Sure, she may drink more than I do, but in many ways, we are similar."
Montero says she will be writing a sequel to Tears in Rain soon.


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It's well-known that allocations to alternative investments are growing at startling rates, but putting numbers to the inflows make them all the more startling.
Analysis by Pension & Investments found that since the start of 2011 investors had made a total of $94.6 billion in alternative investment commitments, including real estate, compared with $79.6 billion to equities and fixed income.
This compared with $15.4 billion committed to alternative investments and real estate just eight years earlier in 2003 by North American investors. In that same year, the magazine added, investors made $65.9 billion of combined investments in equities and fixed income.
Part of the move is being fueled by rising interest rates, as well as investors' realization, post-2008, of the need for noncorrelated asset classes.
Now new research from Boston-based research firm Cerulli Associates finds that asset managers expect alternative mutual fund assets to comprise close to 14% of all mutual fund assets in the next 10 years.
"Since the financial crisis in 2008, institutions and advisors have been under pressure to increase returns while keeping risk unchanged," Michele Giuditta, associate director at Cerulli, said in a statement. "As a result, alternative products are attracting interest from retail and institutional investors, as both are increasingly looking for portfolio diversification, enhanced returns, and risk management."
"Consistent with asset managers' expectations, we anticipate the use of alternatives in individual investors' portfolios to grow," Pamela DeBolt, senior analyst at Cerulli, added. "Alternative mutual funds currently comprise about 2% of total mutual fund assets and we expect that number to grow to 14% in the next 10 years."
Cerulli argues that asset managers should move past positioning alternative investments as one asset class — there are a number of asset classes, strategies and vehicles that fall under the umbrella of alternatives.
"According to our advisor research, 25% of advisors plan to increase their allocations to alternative mutual funds, with 5% indicating they plan to increase their allocations by more than 10%," DeBolt concludes. "We've already seen an increase in the number of advisors incorporating alternative mutual funds into client portfolios."
Check out The Role of ETFs in Retirement Income on ThinkAdvisor.


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Therapists in Burford:
Head to Healview our site
Lechlade-on-Thames, Gloucestershire, GL7 3JQ
based on 0 review(s).
I am a fully insured Holistic Therapist, Reiki Practitioner/Teacher and Certified Infant Massage Instructor based in the beautiful Cotswolds. At my treatment room in Filkins [...]Distance: 5.17 miles.
My Time Reflexology and Massageview our site 07734 487832
Witney, Oxfordshire
based on 0 review(s).
Reflexology and Massage in and around Witney, Oxon Hello, I am Christine Taylor, I believe that it is important for everyone to take responsibility for their own health [...]Distance: 6.64 miles.
Optimum Living Chiropracticview our site 01993 770 795
Witney, Oxfordshire, OX28 6ZJ
based on 0 review(s).
Below is a sample of conditions which respond well with the type of gentle and non invasive chiropractic I use: back pain - neck or [...]Distance: 6.66 miles.
Traditional Acupuncturistview our site 07703 357039
Chipping Norton, Oxfordshire, OX7 5LH
based on 0 review(s).
I am a traditional acupuncturist based in Chipping Norton. Acupuncture is a tried and tested system of traditional medicine which has been used in [...]Distance: 9.91 miles.
Costswold Bowenview our site 07545 452462
Moreton-in-Marsh, Gloucestershire, GL56 0YA
based on 0 review(s).
The Bowen Technique is a soft tissue therapy that is applied on precise points of the body using very gentle pressure.Distance: 10.2 miles.
Karen Bresloffview our site 07752 006930
Cheltenham, Gloucestershire, GL54 4DZ
based on 0 review(s).
Karen is a UKCP Registered Psychotherapist, a Somatic Experiencing Practitioner, and a member of the EMDR Association UK and Ireland. She is currently Secretary [...]Distance: 11.05 miles.
Me Time Beautyview our site 07885238884
Swindon, Gloucestershire, SN6 7HU
based on 0 review(s).
Me Time Beauty is a family run business. We have two therapists, Gemma and Andrea. We are both very passionate about our work. We [...]Distance: 12.44 miles.
West Oxford Reflexologyview our site
Oxford, Staffordshire, OX2 9EE
based on 0 review(s).
Reflexology is a non-intrusive complementary therapy that has become widely accepted in the Western world. During reflexology treatments the practitioner applies firm but gentle [...]Distance: 15.15 miles.
Hazel Faithfullview our site 07931 743 785
Oxford, Staffordshire
based on 0 review(s).
Hazel Faithfull teaches Yoga classes of mixed ability, in the Hatha tradition, with focus on breath and meditation. The key aim is to offer [...]Distance: 16.63 miles.
Mokoia Holistic Therapiesview our site 07876493563
Wantage, Oxfordshire, OX12 9SG
based on 0 review(s).
Hello.....I have been practising holistic therapies since 1998 and have successfully run my own therapy business since then. This has given me valuable experience [...]Distance: 16.95 miles.
Be Yogaview our site 07790 015762
Wantage, Oxfordshire, OX12 9TN
based on 0 review(s).
A big welcome to Be Yoga. I hope it will be a great way to help you stay in touch with everything I am [...]Distance: 16.99 miles.
Reiki, Energy Healing and Indian Head Massage in Oxford and Readingview our site 07722474735
Oxford, Staffordshire, OX3 0QP
based on 0 review(s).
Reiki, Energy Healing and Indian Head Massage in Oxford and Reading For more information please visit: www.lotusenergyhealing.com Energy Healing Energy Healing (which comprises Reiki, Quantum Touch, Emotional Freedom [...]Distance: 17.11 miles.
Sue Fosterview our site 07925 509116
Swindon, Gloucestershire
based on 0 review(s).
If you are interested in knowing more about the treatments I offer, or to determine if it's for you, please feel free to contact [...]Distance: 17.12 miles.
Ewa Douglas Hypnosisview our site 07748 113945
Swindon, Gloucestershire, SN1 2PN
based on 0 review(s).
Welcome to my Hypnotherapy Practice in Swindon Are you struggling with life? Does each day feel a little bit too much like a challenge? Do [...]Distance: 17.15 miles.
WINCHCOMBE ACUPUNCTUREview our site 07890 619973
Cheltenham, Gloucestershire, GL54 5LJ
based on 0 review(s).
Winchcombe Acupuncture is a local friendly acupuncture practice based on the High Street within the Cotswold Eye Care Centre. The practice was established by Sue Newton in 2004 [...]Distance: 17.22 miles.
Inspire 4 Life Therapyview our site 07939 481 058
Chipping Norton, Oxfordshire, OX7 5BS
based on 0 review(s).
Whether you have a curiosity about what reiki is or you are interested in receiving reiki treatments, I am happy that you have found me. This [...]Distance: 17.56 miles.
Holistic Touch Boutiqueview our site 07944 955743
Swindon, Gloucestershire, SN25 1XF
based on 0 review(s).
Holistic Touch Boutique is situated in Taw Hill. I offer a one-to-one personal service, in a private and relaxing therapy room.Distance: 18.19 miles.
OnSite Plusview our site 01865 920230
Cheltenham, Gloucestershire, GL54 5HQ
based on 0 review(s).
Our corporate massage service allows your organisation complete peace of mind. For details please see below;Distance: 18.82 miles.
Beauty Therapistview our site 07775 593715
Swindon, Gloucestershire, SN5 7AQ
based on 0 review(s).
I am Debbie Tate - a qualified and fully trained Beauty Therapy Lecturer and Assessor. I run a professional home based salon in Swindon, [...]Distance: 18.93 miles.
Allure Beauty Limitedview our site 07775 593715
Swindon, Gloucestershire, SN5 7AQ
based on 0 review(s).
My name is Debbie Tate and I am a qualified and fully trained Beauty Therapist, Lecturer and Assessor and I have successfully run my [...]Distance: 18.93 miles.


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Kobo Promo Codes and Deals
Kobo Active Coupons for 2018
No Posts Found
Overview Kobo Coupon Codes and Reviews for 2018
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Nia White Belt Training at Just Move Studio on 02/22/2020
Nia White Belt Training at Just Move Studio on 02/22/2020
Training Dates: February 22, 2020 - February 28, 2020
Location: Just Move Studio
Level: Nia White Belt Training
Registration Fee: $799.50
$799.50 registration fee + $799.50 instruction fee
PLEASE NOTE: A $799.50 (USD) Registration Fee is required to reserve your space. The instructional fee of the Training (plus any applicable taxes) will be collected by your Trainer. Please note: some trainings may be subject to additional taxes when required by law.
CANCELLATION & TRANSFER POLICY: Cancellations and Transfers must be received by phone and in writing to both Nia Technique Headquarters and your Trainer. All purchases are non-refundable, account credit or exchange only. Please review the cancellation policy here.


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Milli Matkuri Lea bag
- Free home delivery on orders over 1000 kr
- Delivery in 3–5 working days + shipping
- Free returns 30 days
The Milli Matkuri handbag is made of leather. The bag is lined, and it has an adjustable and detachable shoulder strap, two handles and a zipper closure. There is one pocket on the inside. The outside has a small handle on one side and a pocket on the other.
The bag is made from the Italian leather that is coated with polyurethan. The bag does not need oiling or additional protection.Check store availabilityInstore availability can be checked below. Product availability can change rapidly, please contact the store to confirm that your chosen item is available to purchase.
- In stock
- Few left
- Temporarily out of stock
Reserve online, collect and pay in store.Please reserve only the item you want to buy. Unfortunately, we cannot guarantee availability in store. During its opening hours, the store will confirm your reservation by email within two hours.
- Reserve only the product you want to buy.
- Your reservation is valid when you receive an email confirmation from the store.
- After confirmation, you have two days to collect your reservation.
- If the reservation is not collected within two days, it will be cancelled automatically.
Please note:The store will contact you during its opening hours. There may be delays because of public holidays or special occasions.
Contact information for the store:{{statesStore.reservationForm.contact.name}}Thank you for your reservation!
We will send you an email when your reservation is confirmed.Unfortunately, something went wrong, and your reservation was not saved in our system. Please try again in a few minutesWidth: 15.50 cm Height: 23.00 cm Depth: 10.50 cmDesigner: Marimekko Color: white Made in: Hungary Product code: 048920 Color ID: 001Width: 15.50 cm Height: 23.00 cm Depth: 10.50 cmDesigner: Marimekko Color: white Made in: Hungary Product code: 048920 Color ID: 001


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Unless you have an unlimited HVAC budget, chances are that you spend a great deal of time trying to keep comfort levels up while keeping energy costs down in San Ysidro. This can seem like a never ending battle that only changes when the seasons do. Fortunately, there are things you can do to help get the most from your heating system and thus lower energy bills.
How to get the Most from Your Heater
- Filters – Take time to change out the filters on your system. Depending on the age and type of system the frequency will vary, but a good rule of thumb is once every three months. By changing the filter, your heater will not have to work as hard, plus you get the added benefit of cleaner, healthier air.
- Thermostat – Be sure that your thermostat is properly calibrated. A HVAC technician can do this for you as part of a basic inspection or maintenance check. You can also save money by installing a programmable thermostat that allows you to not just set the temperature in your home, but to control when the heater turns on and in what rooms, Some of them can even be controlled via your smart phone so that you can have an even more accurate use of the heater.
- Age – Sometimes the best way to get the best heating scenario is to update a system. Older heater units did not have the same standards of efficiency that we have now. If your system is more than. 10 years old, consider an update.
- Maintenance – Your HVAC unit needs to be inspected at least once a year to ensure that all the pieces and parts are working correctly in that nothing is in need of repair. Frequent checks means that you are aware of any issues and can address them before they become a problem – such as having the heater go out just as blizzard comes in!
- Temperature – There is no reason to crank your heater to 80 degrees just because it is 40 degrees outside. In fact, the HVAC can typically only get your home around 20 degrees warmer (or cooler in warm months) than the outside air.
Lower the energy bills means more money for doing those great winter time activities such as skiing or escaping to a warmer climate for a winter vacation. If you are unsure about to implement these tips, talk to a local HVAC professional to learn what your home or office needs to do. After all, when it comes to warmth and saving money, there's nothing more important than planning and being proactive. Get started today.
Significance Of HVAC And Its Function in California
Heating Ventilation and Air-conditioning system or HVAC as it is popularly known as is an important aspect of a building. Most of the people may know the meaning of HVAC but very few realize the importance of consulting a HVAC Company for installation and maintenance of the unit. To hold and retain an optimum temperature within a building it is necessary to install a HVAC system by consulting a professional HVAC company. If the system is not properly installed then you will not be able to get the maximum utility out of your HVAC system.
The primary function of this system is to maintain a comfortable and ideal temperature where it is installed. This system controls indoor humidity, airflow and temperature thus making the space more comfortable. HVAC has over the years proved to be the most efficient and eco friendly solution for controlling temperature in homes and commercial spaces. HVAC system aims at improving the quality of air circulating within the building apart from its basic temperature control functions.
Now let us go through the three main functions of HVAC system
If it is freezing outside in San Ysidro CA then you definitely will need a system to keep you warm inside. Heating helps to keep the room warm and is the most effective way to get relief from extreme cold climates. Heating is an important function of HVAC system. Heating can be done in two ways; you can either go for a local heater or a centralized heater. If you want a cost effective system for heating then it will be better for you to go for a central heating system. Central heating system functions using radiators, heat pumps and furnaces.
In HVAC the V stands for ventilation and is another important functionality of the system. Proper ventilation is necessary for circulation of fresh and pure air within the building. HVAC system cleanses the air circulating within the building by eliminating impurities. The system vents out carbon dioxide and lets in oxygen thus making the circulating air within the building pure and clean. Breathing clean and fresh air makes you more comfortable and healthier.
The AC in HVAC stands for Air conditioning which is another primary function of the system. When it comes to cooling your home or office during the summer the best way to do so is by installing HVAC Air conditioning system. This system not only cools the temperature within your building or home but also will block all impurities. The most prominent feature of this system is that it cools evenly by eliminating hot spots thus maintaining an even temperature through the space it is made to function.
HVAC units not only function efficiently but are also energy efficient, thus helping you to save a few bucks on energy bills. To get the best out of your HVAC system you need to service it form time to time. HVAC service companies can offer you professional services for maintaining your HVAC system whenever required. You can find a number of reputed HVAC companies in your area either though online or from a directory. Short list a few of them and contact them to provide you an estimate. Compare the cost and the service provided to decide which company to hire to get a HVAC system installed in your home or building.
With a traditional heating or cooling system you will be missing the benefits of HVAC system. The technology in HVAC controls the temperature and humidity to a comfortable level thus improving the quality of air along with its basic function of maintaining the right temperature within the building or home.
By using such a system you are saving energy and in a way contributing to a greener environment. For a cleaner air and a healthier life all you have to do is consult a HVAC company and get a HVAC unit installed in your home or office and if you already have it then go for regular maintenance for increasing the efficiency of the system. Check the filters and clean the drains for an improved indoor air quality. A technician specialized in the field can help you to improve the performance of your HVAC system with the essential maintenance and repair works.
Find a Furnace Repair Service in San Ysidro
The furnace, for many people, is the main source of heat in the home. As a result, you will need to ensure that it is constantly ticking over. Homeowners have a responsibility to keep everything in their property working to full capacity. While there are a lot of things that you can do to keep your furnace working well, you will need to call in a professional now and then. There may also be other issues that you are unfamiliar with that need to be sorted out as soon as possible. In cases like this, it is always a good idea to call on a service repair contractor who will be able to help you.
Look Online
For home services, you can easily take a look on the Internet. There are a number of companies who will service customers all over the country. All you will need to do is go onto their website and see what kind of services they offer. Some will offer the likes of boiler and furnace service, while others will offer multiple services such as plumbing. If you require both of these services, then make sure to look out for any deals that they have.
Most of the information regarding the company and its service is going to be found on the website. If you do have any questions, then make sure to give them a call or send an e-mail. You will be able to find their contact details on the website.
Check the Phone Book
Most phone books are going to have repair services available for you. You will be able to phone up each company and ask a few questions, as well as find out how much it is going to cost. The cost is of course going to depend on who you will be looking for.
Check Out Licensing
Before you even call anyone, you are going to want a person who is certified to do the job. This is particularly important when it comes to your furnace, as dealing with it can be quite dangerous if the individual in question is unfamiliar with it.
Ask for References
If you are hiring a contractor in San Ysidro CA 92173, then you are going to want to be sure of the individual who is working for you. Do not be afraid to ask them for a reference. This will help to give you a little peace of mind.
Surrounding Areas Near San Ysidro CASteam Boiler Replacement San Ysidro CA 92173
HVAC Duct Cleaning San Diego CA 92154
Steam Boiler Replacement Chula Vista CA 91911
San Ysidro House Ventilation Installation
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The Employee Benefits Security Administration doesn't agree, but an audit by the Office of Inspector General concluded the agency is not providing enough oversight of ERISA retirement plans that invest in alternative investments.
The OIG conducted its audit because the Internal Revenue Service, General Accountability Office and American Institute of Certified Public Accountants expressed concern over how plan administrators were valuing plan assets — particularly alternative investments. An accurate valuation of plan assets, they said, "plays a critical role in determining plan funding levels and payments to participants and beneficiaries."
As of 2010, employee benefits plans had about $3 trillion invested in alternative investments. EBSA estimated between $800 billion and $1.1 trillion of that were in hard-to-value assets.
The OIG found that EBSA has made efforts to improve oversight of plans that hold hard-to-value alternative investments, but despite these efforts, more work is necessary to increase protections for participants and beneficiaries of plans investing in these types of investments.
"We found EBSA had not formalized into regulatory guidance a requirement that plan administrators identify and adequately support the fair value of hard-to-value investments nor implemented the 2006, 2008, and 2011 ERISA council recommendations on the same," the OIG report stated.
"As a result, plans are using poor practices in valuing these investments. Almost no plan administrator in our samples obtained an independent valuation or demonstrated an analytical process to determine the fair value of all their hard-to-value assets," the audit found.
OIG recommended that the assistant secretary for Employee Benefits Security propose and formalize guidance and evaluate the ERISA Council recommendations; improve procedures in enforcement reviews; and improve Form 5500 data collection, analysis and targeting.
In response, EBSA said it did not believe the trillions of dollars of plan assets invested in alternatives posed significant valuation concerns. It also said that ERISA already provided sufficient guidance, that its investigative procedures were sufficient, and that the Form 5500 already focuses on asset valuation. The agency did agree to take OIG's recommendations into consideration but it didn't say it was taking any corrective actions in response to the audit.
Check out The Women Leading the Fiduciary Charge on ThinkAdvisor.


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text: Little Theatre: Schoolhouse Rock Live!August 7, 2016, 2:30 PM - 5:30 PMLittle Theatre of Virginia Beach550 Barberton Drive, Virginia BeachTom, a nerve-wracked school teacher is nervous about his first day of teaching. He tries to relax by watching TV when various characters representing facets of his personality emerge from the set and show him how to win his students over with imagination and music, through such songs as "Just A Bill," "Lolly, Lolly, Lolly," and "Conjunction Junction." For more information, please visit: www.ltvb.com. Additional Information Page Content Contact InformationNancy Bloom(757) firstname.lastname@example.com://ltvb.com


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Galaxia Nehellenium
|Galaxia Nehellenium
|Key Resources
|Any Known
|Controlled By
|Various Factions and Forces
|Key Locations
Galaxia Nehellenium, or the Nehellenium Galaxy (many cultures alternatively use a corrupted form "Nehellium"), is the most active galaxy in the BrikVerse with several major Star Empires vying for power and domination. Historically, it has been the backdrop for several important conflicts in the BrikWars narrative and it looks as though that will continue to be the case for several Rekonstruktions to come, provided the universe doesn't recycle the whole place (Spoiler Alert! We recycled the whole place). Much of the BrikVerse's politiks take place here as well, massive alliances rising and falling with all the power and surety of tidal waves. Many of the Far-Ums' cameras are pointed in this direction at all times, eager to capture the footage of baddassery, never ending war, and endless drama.
The galaxy is home to a great many combatants. Many more are just passing through. Regardless of transient status, almost everyone has eyes on the place. If there is a center to the universe, this is it. The decisions and actions made here have reverberations that can be felt throughout the BrikVerse. The following describe several of the major players in the galaxy:
Major Conflicts in History
The conflicts presented here helped to shape the current incarnation of the Nehellenium Galaxy:
- CSR Saga
- Prussian-Monarchial Conflict
- Assyrian Peach Exterminations
- Allied Nations - Third Alliance War
- The Immortal War
Current Conflicts in the Galaxy
These conflicts rage to determine the fate of the universe:
Famous Characters and Locations
With the Far-Ums networks so intently focused on the conflicts within Galaxia Nehellenium, several key characters and battle sites have become quite famous among Far-Ums viewers. Farcasters will often sacrifice their own mothers to Warhead's tender mercies just for the chance to capture one in action on film as ratings always spike when crowd favorites are featured. Listed below are a few of the more popular characters and sites throughout history to the present day:
Though the BrikVerse is in constant flux, Legendary BrikWarrior Tuefish did somehow manage to capture a tactical snapshot of the Galaxia Nehellenium, circa R. 2,009. This is one of only a handful of BrikVerse Maps in existence.
In G.R. 2014, colette managed to repeat this feat and once again map the brikverse. It was updated again just before G.R. 2017, by Kastrenzo.
Kanon Shift
In 2018 - 2019, Many members of the community agreed to abandon the kanon of the Nehellenium Galaxy and it's greater "Universe" in favor of new alternatives. See Ragnablok


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B&W International bike box no. BH96910 (96910)
In stock
The bike.box is made from strike-proof ABS moulded around an aluminium frame. Internally the walls have thick foam padding and straps to hold you bike frame and wheels in place. The shell is double thickness around the 4 wheels on the bottom corners for added strength. The wheels are free running with reinforced axles. There are 2 burst proof butterfly locks and 2 locks which are flush fitting as well as a fixed velcro strap for added security and 3 strengthened hinges. There is a carry handle on the top and a reinforced, sprung pilot handle for pulling the case on the side, which make the case easy to move around. There are also 2 lifting handles riveted in to the side panels.
Accessories included with this case are:
Delivery charges and arrangements:
We charge a contribution towards delivery costs, depending on what you order, where you live, and how quickly you want the goods.
For most UK addresses, the charge for our two to three day service is £5.50 (£9.50 for orders including a roof box) and our charge for Next Working Day deliveries is £8.50 (£12.50 for orders involving a roof box). AutoSock, shoe chains, RUD i-Sock, and small spare parts, are charged £3.95 (Royal Mail Tracked), £4.95 (Royal Mail Express Tracked) or £5.95 (express courier, usually Next Working Day).
There are different charges for any delivery including a sea crossing, and deliveries to Skye - we will contact you with a quote on receipt of order.
Orders for Next Working Day delivery need to be received by 4.00pm.
There are no deliveries on Saturdays, Sundays or Bank Holidays, except for postable items where Royal Mail has a Saturday delivery. Next Working Day orders placed on a Friday will be delivered on the Monday, Next Working Day orders placed on a Saturday will be delivered on the Tuesday.
We are very flexible with our deliveries and will aim to deliver on a day and at an address which suits you. Goods can usually be left without signature - we prefer this with roof boxes. There's a "Special Delivery Instructions" box in the checkout area where we'll ask you to choose a typical instruction and then amend it to suit your particular requirements.
No retailer or courier company can ever "guarantee" a Next Working Day delivery. All courier companies occasionally have the same transport problems as can happen to everyone else, including snow blocked roads, closed roads, traffic jams, mechanical breakdown, an inability to find the delivery address, or to gain access to it if, for example, it's in a block of flats. We work with some of the best couriers in the business, and overall they provide an outstanding service.
Payment options:
We take the following cards, and also PayPal. Please note that the entry on your card statement will be from "The Roof Box Company".
If you would prefer not to pay online, or to pay by cheque, please phone us to place your order.
Secure payments
Our website is secured by
Comodo SSL Certificate Authority.


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Marvel Legends Series 12 inch Action Figure - Spider-Man
Browse all deals at Toys"R"Us
See more in Dolls & Doll Houses
See more from Hasbro
* This offer may contain time-sensitive information and offers. Please check with Toys"R"Us to confirm actual price & availability.
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2301 Meadowbrook Mall R
Bridgeport, WV 26330


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Prices shown are for 1 adult ticket including taxes & fees.(As ticket fares can change frequently, these advertised prices are for reference only. The actual prices will be shown at time of booking.)
Airlines adjust prices for plane tickets based on the day and time that you book your flight. After analyzing data from all airlines, we have discovered that the best days to book flights from Liverpool to Rhodes are Tuesdays, Wednesdays, and Saturdays.
Airlines flying from Liverpool to Rhodes include easyJet.
easyJet provides 7 of the non-stop flights between Liverpool and Rhodes.
There are 1 airports in Rhodes - Rhodes "Diagoras" International Airport.
From AU$269
There is usually no major price difference between buying a roundtrip flight versus a one-way flight. Increased flexibility is the main benefit when it comes to buying a one-way flight from Liverpool(LPL) to Rhodes(RHO). However, booking a roundtrip flight is a simpler process. You can compare roundtrip and one-way flights by using our flight comparison tool.
Rhodes attracts thousands of visitors every year for both business and pleasure. Planning a trip from Liverpool to Rhodes is easy when you use Trip.com to help you make travel arrangements. With Trip.com, you can search for available flights and hotel rooms, and then make your booking quickly and easily online.
Make your journey from Liverpool (LPL) to Rhodes (RHO) a trip to remember when you use Trip.com to review city attractions before you arrive. With a preview of what's available at your destination, you can make any necessary reservations in advance for the best travel experience possible.


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Jetpac CTO Pete Warden has blogged news this week of his team's successful port of the Deep Belief image recognition SDK to the Raspberry Pi.
This is exciting (says Warden) because it shows (or at least it is one example of the fact) that even tiny, cheap devices are capable of performing sophisticated computer vision tasks.
The Deep Belief Teacher App works such that it helps users teach their phone (or small form factor handheld) to recognize an object by taking a short video of it — the user then teaches the application "what is not" the object by taking a short video around the target object and of everything except the object.
Subsequent to the above action the user is then able to scan their entire surroundings with the phone (or other) camera and the app will detect when the user is pointing at the target object.
With the DeepBelief SDK, developers can build object recognition into iOS/Android apps and now the Raspberry Pi, giving phones and the Raspberry Pi the ability to see.
Warden says that he has talked a lot about how "object detection is going to be commoditized and ubiquitous" in the future.
"I can process a frame in around three seconds, largely thanks to heavy use of the embedded GPU for heavy lifting on the math side. I had to spend quite a lot of time writing custom assembler programs for the Pi's 12 parallel 'QPU' processors, but I'm grateful I could get access at that low a level," he said.
The demo is a lot of fun to try out.
The company has been using deep belief networks extensively for image recognition across hundreds of millions of Instagram photos, and now it's excited to bring some of that functionality to the masses and see how developers take advantage of the phone and Raspberry Pi's newfound ability to "see."


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Rogue Wave Software is currently showcasing its toolset for deep software risk assessment and mitigation. Of interest to the embedded and Internet of Things focused developer, this software is designed to allow development teams to find security, stability, and compliance issues before they occur.
The firm's portfolio discovers potential risks across the development lifecycle through all types of artifacts, from source code to running processes to application data.
Static code analysis with Klocwork gives developers feedback on security, reliability, and standards compliance issues as they create code.
According to CEO of Rogue Wave Brian Pierce, open-source scanning through OpenLogic delivers liability protection against OSS compliance risk, conflicts, and obligations — down to a few lines of code.
Visual debugging is performed by TotalView, which offers massively scalable verification tools and reverse debugging that reveal how threads, processes, memory, and I/O are behaving across multiple CPUs.
Data analytics through IMSL Numerical Libraries allows teams to predict actions and behaviors through intensive data mining, modeling, and analysis algorithms, protecting against malicious runtime activities that are impossible to detect through regular software testing.
Telerik says that developers in organizations with increasingly complex and growing datasets in mission-critical environments will benefit from the expanded breadth and depth of these products and will continue to receive the same outstanding levels of service and support across all of them.


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US Federal Chief Information Officer Steven VanRoekel told an audience of government and industry executives on Tuesday that the difficulties associated with the launch of HealthCare.gov were a "teachable moment." In comments during his keynote presentation at the American Council for Technology-Industry Advisory Council Executive Leadership Conference in Williamsburg, Virginia, he said, "Sometimes things just don't go the way you expect."
VanRoekel called the HealthCare.gov effort to create a national online health insurance exchange "bold" and told the audience, "We should all be proud that something this complex, this integrated to legacy systems—and there are mainframes out there that this thing hooks to—was done at Internet scale and taken online in this way," Federal Computer Week reported. "Just the fact that we have transactions moving between federal agencies using open data, using modular development, using technology in a way that moves really from a 19th- and 20th-century paper approach to an online approach is something we all should be proud of in the federal IT community."
VanRoekel's speech came just hours before the site's data center suffered another outage, rendering the system unavailable overnight. The outage continued through testimony this morning before Congress by Health and Human Services Secretary Kathleen Sebelius. Secretary Sebelius said the problem was related to Verizon Terremark's data center and not the software itself, telling the House Energy and Commerce Committee, "It is the Verizon server that failed, not HealthCare.gov."
Former Acting Director of the Office of Management and Budget Jeffrey Zients, brought on by the Obama administration as a consultant to lead a "tech surge" to fix the exchange, said on October 25 that the "punch list" of problems with the site had been completed and that the site will be completely fixed by the end of November.


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Unfortunately shipping to the following countries is currently not possible, due to missing transport capacities of the Deutsche Post and import restrictions in the destination countries.
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