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Are your clients hiding important information from you that could help solve some of their financial woes?
A new survey says they are—particularly secrets involving health, marital and debt problems. Securian Financial Group's survey, "Client secrets: What People Don't Tell Their Financial Advisors," delves into the information clients are withholding and why.
Securian surveyed 720 consumers and found that while 71% of those polled said they share with their advisors "all topics" related to their personal financial situations, nearly one-third (29%) say they haven't told their advisors about everything that could affect their finances.
Of the 29% who withhold critical information, only 11% say it's because of a lack of trust.
They survey notes that a "sizable portion" of those clients who withhold critical financial information from their advisors appear to fall in many advisors' target markets:
- Nearly one-third are pre-retirees and retirees;
- Two-thirds are 40 and older;
- One-fifth are affluent, with $150,000 or more in annual household income, or mass affluent, with $100,000 to $149,000 income; and
- Among those who are employed, two-thirds are in professional or managerial careers.
What are these clients hiding?
Michelle Hall, manager of market research at Securian says that health and marital difficulties "rank high among the critical subjects clients do not discuss with their advisors," while a quarter of clients with secrets carry debt their advisors know nothing about.
Clients "may not realize it, but personal matters can profoundly affect a family's financial stability," Hall says. Other secrets include employment changes and loans to others.
More than half (52%) of those with secrets say the information is too personal to share, while (45%) say their secrets are outside of their financial strategies and don't need to be shared. Securian argues these responses "may suggest a lack of education about the benefits of holistic planning and a need to raise awareness about the financial risks associated with not sharing these matters." Another fifth of those polled say their secrets are too embarrassing to reveal.
But the information some clients withhold could "seriously undermine a financial strategy," Securian says. For instance, a chronic or critical illness could hamper plans to work beyond retirement age, or marital difficulties that result in divorce almost always create financial setbacks.
Securian also notes that investments made "without consulting a financial professional who has access to sophisticated expertise could become bad bets."
How do advisors coax these clients into revealing their secrets? Securian counsels advisors to do what they've always done: "be patient, educate and look for opportunities to prove they are trustworthy."
Check out If You Want to Build a Career, Do What's Best for the Client on ThinkAdvisor.


text: View Larger Image 100 Days of Keto (Chow) Day 47 Had a fantastic Meet-up yesterday, I think we had over 30 people here. Lots of fun! I drank my Keto Chow =) Series Navigation<< 100 Days of Keto (Chow) Day 46100 Days of Keto (Chow) Day 48 >> By Chris|2019-02-18T10:17:52-07:00February 17th, 2019|Categories: 100 Days of Keto Chow, Weight Loss|Tags: experience, fasting, Keto Chow, science, User Experiences, Weight loss|0 Comments Share This Story, Choose Your Platform! FacebookTwitterLinkedInRedditTumblrPinterestVkEmail About the Author: Chris Chris Bair is a technology and computer geek. He became involved in the nutritionally complete "future foods" movement in January 2014, originally with a conventional recipe and later switching to a high fat, low carb "ketogenic" variant on October 2014. In January 2015 he created the recipe for Keto Chow and released it without restriction for anyone to use, at the same time he began mixing the recipe up for people that wanted a finished product and has seen steady growth in the business every month since. Chris has lived in Utah for most of his life, except for a few years living in Chile where he learned Castillian. Chris and his wife have two sets of twins with a couple singltons thrown in for good measure. Leave A Comment Cancel reply Recipe Rating Recipe Rating Comment

subset: commoncrawl


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Upper Mississippi River Reservoir to be Released
ST. LOUIS - A top Corps of Engineers official has ordered the release of water from an upper Mississippi River reservoir in an effort to avoid closure of the river at St. Louis.
Corps Major General John Peabody says the release from a reservoir in Minnesota will eventually add 3-6 inches of depth at St. Louis. However, that will fall well short of offsetting the projected drop of up to 3 feet when the corps reduces the flow of the Missouri River starting next week.
The drought has left both the Missouri and Mississippi dangerously low. Barge traffic at St. Louis could come to a halt starting next month. Businesses that work and ship on the Mississippi are seeking a presidential declaration to stop the corps from cutting the Missouri River flow.


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Sleep Apnea Specialists in Morristown, NY
Welcome to Sleep Apnea 411. Our goal is to help you find the right Sleep Apnea Specialist in Morristown, NY and provide you with the latest information on Sleep Apnea & Sleep Disorders. We are an online resource for learning about sleep apnea, sleep disorders, sleep deprivation, insomnia treatment, snoring remedies, sleep paralysis, narcolepsy and restless legs syndrome (rls). Locate a Sleep Apnea Specialist in your area today!
If you are a Sleep Apnea Specialist and would like to list with Sleep Apnea 411 click here to contact us about advertising.
Sleep Apnea and Sleep Disorders related terms used to find this page:
Sleep Apnea Morristown, Sleep Disorders Morristown, Sleep Deprivation Morristown, Insomnia Treatment Morristown, Sleep Apnea New York
Natural Sleep Aids to Cure Your Insomnia
by: Laura K Milton
What exactly is Insomnia?
Insomnia can be defined as having difficulty falling and staying asleep. It encompasses a variety of sleeping disorders from a lack of the amount of sleep you get to a lack of quality of sleep.There are three categories of insomnia
Transient insomnia where sleeplessness lasts for several days to a couple of weeks
Acute insomnia where the sleep disorder lasts for several weeks
Chronic insomnia where the condition lasts for month's even years. Who is affected by Insomnia?
This sleeping disorder is found to affect people of all ages but there is evidence to suggest that women do commonly suffer more from insomnia than men. People suffering from a variety of medical conditions such as anxiety and depression, debilitating diseases, obesity and a weak immune system can increase the chances of suffering from sleep disorder and for longer periods of time.
Insomnia Causes
Sleep deprivation from insomnia can be brought on by both psychological and physiological conditions. Transient insomnia may occur due to current events taking place in one's life. The more serious chronic insomnia may well be the result of an underlying medical condition.
Some causes of insomnia include;
Substance abuse of drugs and alcohol
Prescription medications
Jet Lag
Changes in your daily schedule
Your health
Hormonal changes
Even your sleeping environment
Do you have a Sleeping Disorder?
While suffering from insomnia may be an indication of health issues how do we know if we are actually suffering from insomnia? What are the tell tale signs?
Finding it hard to fall asleep every night
Waking during the night sometimes repeatedly and then struggling to get back to sleep
Waking too early in the morning then just lying there awake
Never feeling rested and tired in the mornings
Sluggish and fatigued throughout the day
Stress, anxiety and depression
Inability to concentrate
Feeling sick every morning
Worrying about your lack of sleep
How to treat your sleeping disorder
Firstly if you are concerned for your health you should consult with your health care provider. Quite often their recommendations will be for medical treatment such as prescription sleeping pills, anti-depressants and over the counter sleep aids. These solutions may work for some people but can also make a bad situation worse for many.
Treating your insomnia naturally is preferable as you can find the root of your problem, learn to deal with it, treat it and prevent it from happening in the future all the while avoiding the possibility of developing a dependency on drugs and their possible side effects.
Natural Sleep Aids
There are numerous natural approaches one can take to combat sleep disorders.
Such as;
Creating the perfect sleep environment - Comfort, setting, temperature and light
Setting a sleep regimen - keep a rigid schedule, only use your bed for sleep and romance
Lifestyle changes - Get daily exercise avoid caffeine, alcohol and smoking especially at night
Use relaxation techniques - meditation, self hypnosis, light therapy, muscle relaxation
Manage your stress and anxiety
Color therapy or "chromo therapy"
Herbal remedies and supplements
Taking the more holistic approach can be a life altering experience and open you up to a whole new way of living. To overcome your sleep disorder, learn some of the techniques mentioned above and find out which natural sleep aids work for you.
End your sleepless nights with a free sleep workshop video download at http://www.naturaldeepsleepsolution.com/blog
visit http://www.naturaldeepsleepsolution.com for a complete system that stops insomnia in it's tracks ready for instant download..!


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This year's flu season started about a month early, prompting federal health officials to warn it could be one of the worst in years. They're urging everyone to get their flu shots.
But like every flu season, there are lots of reports of people complaining that they got their shot but still got the flu. What's up with that?
Well, as Michael Jhung of the Centers for Disease Control and Prevention explains, there are lots of possible reasons.
The first is that while the flu vaccine is the best way to protect against the flu, it's far from perfect. In fact, the vaccine is only about 60 percent effective. So some people can get the flu even though they were vaccinated because the shot just didn't work for them.
The vaccine, for example, tends to work less well in the elderly. That's a big problem, since the elderly are among those at greatest risk for serious complications from the flu.
Another reason is that it takes about two weeks for the vaccine's protection to kick in. So if someone gets exposed to the flu in that time between when he gets the vaccine and when his immune system has responded sufficiently, he could still get sick.
Also, it's always possible that someone could get exposed to a strain of the flu virus that's not covered by the vaccine. This year's vaccine, though, looks like it should work pretty well — the flu virus strains in the vaccine appear to be a very good match for the most common flu strains that are circulating this year.
The last reason is that someone might get exposed to another kind of virus that causes symptoms that are very similar to the flu. There are lots of other viruses out there that can cause respiratory illnesses, such as adenoviruses, parainfluenza viruses and respiratory syncytial virus.
Let's talk now about this year's flu season. The Centers for Disease Control warns that flu is spreading earlier than usual, and it's spreading fast. A least 18 children have died from the flu. The best protection is a flu shot, which is recommended even for young children. But experts say even that isn't a guarantee that you won't get sick.
To talk more about what makes this season different, we're joined by NPR health correspondent Rob Stein. Good morning.
ROB STEIN, BYLINE: Good morning, Renee.
MONTAGNE: So health officials are warning that this could be a particularly bad year. Why is that?
STEIN: Well, there's really two reasons. The first one is, as you mentioned, that it's a relatively early flu season. The flu hasn't gotten going this early in the season in about a decade - so, about a month ahead of time. And the second reason is one of the main strains that's circulating is what they call the H3N2 strain. And in past years, that's been particularly nasty. It's gotten a lot more people sick, and they've gotten much sicker and it's caused more deaths than usual.
MONTAGNE: For that reason, then, health officials are urging people to get their flu shots. I mean, it seems a little late, but I'm guessing it can still help.
STEIN: Yes, absolutely. The flu vaccine is definitely the best way to protect yourself from getting the flu. And there's plenty of vaccine out there, and there's definitely plenty of time to get vaccinated. It'll still protect people throughout the season. And this is especially important for people who are higher risk from the flu, and that includes the elderly, children and people with health problems. They're the ones that health officials really urge strongly to go out and get vaccinated as soon as possible. And the good news is, is that the vaccine so far seems like a pretty good match. It should be, hopefully, very protective against the strains that are circulating out there. There are three strains in the vaccine, and all three seem to be fairly closely matched with the predominant strains that are circulating. So that suggests that they should provide high protection for people against getting the flu this year.
MONTAGNE: Well, right, but, I mean, I know several people who've gotten really, really sick and have had gotten flu shots. Why is that?
STEIN: Right. There are several reasons why that could be: One is that even when the vaccine works, it's not 100 percent effective. In fact, it seems in past years, typically, it's about 60 percent effective. So even if you get a shot, it doesn't necessarily you're going to be completely protected. Another reason is that it takes about two weeks for the vaccine's protection to kick in. So if you get the shot, but then get exposed to the flu before the immunity has built up, then you still could get sick. And also, there are lots of other viruses that are out there circulating that cause symptoms that are very similar to the flu. There are viruses called adenoviruses and rhinoviruses. These are kind of bad cold viruses. The flu vaccine's not going to protect you against them at all. So if you get exposed to them, you're still going to get very sick. And also, there's also a possibility of other strains that are not covered by the vaccine.
MONTAGNE: What would be the advice for people if they do get sick?
STEIN: They should go to their doctor and get tested. And there are drugs out there - antiviral drugs like Tamiflu that can shorten the course of getting sick. It's usually the most effective if you start taking it within 48 hours of getting the flu. So it's important to get in there and get the drug soon. And it's not recommended for everybody, but it is definitely recommended for people who are at high-risk from the flu. And that tends to be elderly people, children, people with other health problems or people who are very sick or in the hospital with the flu.
MONTAGNE: And how much longer can we expect flu season to last?
STEIN: Yeah, that's a key question. Because it started so early, health officials are really wondering how long it's going to last. It could end up lasting as long as it typically does, into the late winter, early spring. In that case, it could end up being a more particularly severe season. Or it could end up petering out early, and it could end up being just a normal flu season, just started early and ended early. We'll just have to wait and see. One of the thing about the flu is you can never predict what's going to happen from one year to the next.
MONTAGNE: Rob, thanks very much.
STEIN: Thank you.
MONTAGNE: Rob Stein is NPR's health correspondent.
Now, if you are sick with the flu, there's only so much you can do. You can get rest, drink plenty of liquids, and maybe spend some time trying to figure out who passed on the illness. And there's an app to help you with that last part.
MONTAGNE: The Facebook application is called "Help, I Have the Flu." It will search the profiles of your friends to see if they've written the words coughing or fever - those keywords.
INSKEEP: This app is, of course, sponsored by a pharmaceutical company, which sells expectorants and decongestants.
MONTAGNE: But if you're not that interested in the flu blame game, you can find more scientific information. The Centers for Disease Control sponsors Flu View, which lets you use an iPhone to track influenza activity levels throughout the country. Transcript provided by NPR, Copyright NPR.


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Some puzzles requiring no knowledge of knot theory, just a careful inspection of the patterns. A glimpse of the classification of knots and a little about prime knots, crossing numbers and. . . .
Can you cross each of the seven bridges that join the north and south of the river to the two islands, once and once only, without retracing your steps?
Rectangles are considered different if they vary in size or have different locations. How many different rectangles can be drawn on a chessboard?
How many different ways can I lay 10 paving slabs, each 2 foot by 1 foot, to make a path 2 foot wide and 10 foot long from my back door into my garden, without cutting any of the paving slabs?
A and B are two interlocking cogwheels having p teeth and q teeth respectively. One tooth on B is painted red. Find the values of p and q for which the red tooth on B contacts every gap on the. . . .
Triangular numbers can be represented by a triangular array of squares. What do you notice about the sum of identical triangle numbers?
Euler discussed whether or not it was possible to stroll around Koenigsberg crossing each of its seven bridges exactly once. Experiment with different numbers of islands and bridges.
If you can copy a network without lifting your pen off the paper and without drawing any line twice, then it is traversable. Decide which of these diagrams are traversable.
This article for teachers discusses examples of problems in which there is no obvious method but in which children can be encouraged to think deeply about the context and extend their ability to. . . .
A 2 by 3 rectangle contains 8 squares and a 3 by 4 rectangle contains 20 squares. What size rectangle(s) contain(s) exactly 100 squares? Can you find them all?
The aim of the game is to slide the green square from the top right hand corner to the bottom left hand corner in the least number of moves.
Can you discover whether this is a fair game?
A standard die has the numbers 1, 2 and 3 are opposite 6, 5 and 4 respectively so that opposite faces add to 7? If you make standard dice by writing 1, 2, 3, 4, 5, 6 on blank cubes you will find. . . .
Given the nets of 4 cubes with the faces coloured in 4 colours, build a tower so that on each vertical wall no colour is repeated, that is all 4 colours appear.
Can you find a way of counting the spheres in these arrangements?
Imagine you have six different colours of paint. You paint a cube using a different colour for each of the six faces. How many different cubes can be painted using the same set of six colours?
When dice land edge-up, we usually roll again. But what if we didn't...?
Blue Flibbins are so jealous of their red partners that they will not leave them on their own with any other bue Flibbin. What is the quickest way of getting the five pairs of Flibbins safely to. . . .
A huge wheel is rolling past your window. What do you see?
Can you dissect a square into: 4, 7, 10, 13... other squares? 6, 9, 12, 15... other squares? 8, 11, 14... other squares?
Mathematics is the study of patterns. Studying pattern is an opportunity to observe, hypothesise, experiment, discover and create.
We start with one yellow cube and build around it to make a 3x3x3 cube with red cubes. Then we build around that red cube with blue cubes and so on. How many cubes of each colour have we used?
Show that among the interior angles of a convex polygon there cannot be more than three acute angles.
The reader is invited to investigate changes (or permutations) in the ringing of church bells, illustrated by braid diagrams showing the order in which the bells are rung.
Watch these videos to see how Phoebe, Alice and Luke chose to draw 7 squares. How would they draw 100?
Can you find a way of representing these arrangements of balls?
An ancient game for two from Egypt. You'll need twelve distinctive 'stones' each to play. You could chalk out the board on the ground - do ask permission first.
Can you describe this route to infinity? Where will the arrows take you next?
These are pictures of the sea defences at New Brighton. Can you work out what a basic shape might be in both images of the sea wall and work out a way they might fit together?
Imagine you are suspending a cube from one vertex and allowing it to hang freely. What shape does the surface of the water make around the cube?
Can you mark 4 points on a flat surface so that there are only two different distances between them?
How could Penny, Tom and Matthew work out how many chocolates there are in different sized boxes?
How many different symmetrical shapes can you make by shading triangles or squares?
Choose a couple of the sequences. Try to picture how to make the next, and the next, and the next... Can you describe your reasoning?
Can you recreate these designs? What are the basic units? What movement is required between each unit? Some elegant use of procedures will help - variables not essential.
A game for 2 people. Take turns joining two dots, until your opponent is unable to move.
This is the first article in a series which aim to provide some insight into the way spatial thinking develops in children, and draw on a range of reported research. The focus of this article is the. . . .
Imagine starting with one yellow cube and covering it all over with a single layer of red cubes, and then covering that cube with a layer of blue cubes. How many red and blue cubes would you need?
A tilted square is a square with no horizontal sides. Can you devise a general instruction for the construction of a square when you are given just one of its sides?
I found these clocks in the Arts Centre at the University of Warwick intriguing - do they really need four clocks and what times would be ambiguous with only two or three of them?
A bus route has a total duration of 40 minutes. Every 10 minutes, two buses set out, one from each end. How many buses will one bus meet on its way from one end to the other end?
Can you find a cuboid that has a surface area of exactly 100 square units. Is there more than one? Can you find them all?
Lyndon Baker describes how the Mobius strip and Euler's law can introduce pupils to the idea of topology.
Charlie and Alison have been drawing patterns on coordinate grids. Can you picture where the patterns lead?
Players take it in turns to choose a dot on the grid. The winner is the first to have four dots that can be joined to form a square.
A train leaves on time. After it has gone 8 miles (at 33mph) the driver looks at his watch and sees that the hour hand is exactly over the minute hand. When did the train leave the station?
Slide the pieces to move Khun Phaen past all the guards into the position on the right from which he can escape to freedom.
If you move the tiles around, can you make squares with different coloured edges?
A Hamiltonian circuit is a continuous path in a graph that passes through each of the vertices exactly once and returns to the start. How many Hamiltonian circuits can you find in these graphs?
How many moves does it take to swap over some red and blue frogs? Do you have a method?


text:
(188.8.131.52) 2020-09-30:03:22:50
Mouse-over any button or link to see explanation or medium-level detail (before clicking through).
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CraftKitsandSupplies carries a large selection of Seed Beads. These TOHO Glass Seed Beads come in a wide variety of colors, shapes, sizes, and finishes. Seed Beads are ideal for intricate beadweaving, looming, and multi-stranded creations. When selecting a size, a greater number indicates a smaller size; for example, the 15/0 size is smaller than the 8/0 size.
We also carry a complete line of Beads, Birdhouse Kits, Christmas Crafts, Craft Supplies, Kids Crafts, Misc Crafts, Wood Craft Kits, and much more.


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Maybe it was a tsk-tsk shake of the head from founder and elder-conscience John Bogle. Whatever the reason, Vanguard announced in a pair of releases on Wednesday that it will lower costs and streamline its fund lineup.
The fund behemoth, already known for its low-cost fee structure, said it will make the ultralow-cost Admiral Shares index funds available to more clients. The firm also said it plans to streamline its share class offerings by gradually phasing out Signal Shares. The latter announcement is part of a larger companywide effort to simplify its fund lineup, mainly through planned mergers with other Vanguard funds, the company said.
Vanguard introduced Admiral Shares in November 2000 to "recognize and encourage the cost savings associated with large and long-tenured accounts by passing along these savings to shareholders in the form of lower fund expense ratios."
In October 2010, Vanguard lowered the minimum investment requirements to qualify for the Admiral Shares for most retail clients from $100,000 to $10,000 and removed tenure requirements.
Today, the firm announced it will eliminate minimum requirements altogether for 41 of its Admiral Share funds as Signal Shares are folded in.
"Over the past five years, we have moved to simplify our funds and our overall fund lineup," Vanguard CEO Bill McNabb said in a statement. "In a continuation of that effort, we have decided to merge a handful of funds that have similar objectives and strategies."
The changes are summarized below:
Individuals gain access to Admiral Shares of eight funds. For eight of its index funds, Vanguard today changed the name of Signal Shares to Admiral Shares, a move that enabled retail clients with a minimum investment of $10,000 to qualify for the lower-cost shares. For example, Signal Shares of the $7 billion Vanguard Short-Term Corporate Bond Index Fund have been renamed Admiral Shares. The Admiral Shares will retain the ticker of VSCSX and the name change is expected to have no impact on the expense ratio, which is 0.12% as of the last fiscal year.
Admiral Share minimums eliminated for 24 funds. Beginning today, Vanguard is eliminating the $10,000 minimum investment required for financial advisors and institutions to qualify for Admiral Shares of 14 index funds, and the $100,000 minimum investment required for Admiral Shares of 10 sector index funds. This will be the first time these funds (which do not currently offer Signal Shares) will be available to advisors and institutions without a minimum.
Admiral Share minimums eliminated for 17 funds; Signal Shares to convert. Vanguard is also eliminating the $10,000 minimum investment required for financial advisors and institutions to qualify for Admiral Shares of 17 index funds that currently offer Signal Shares. Vanguard plans to convert these Signal Shares to Admiral Shares in October 2014, although clients have the option to immediately convert their shares on a tax-free basis. McNabb noted the success of Admiral Shares in lowering the cost for clients, stating that before the announcement more than $700 billion was held in the share class, which accounts for about one-third of Vanguard's nearly $2.3 trillion in U.S. fund assets under management.
But the news didn't stop there.
Vanguard also said it plans to merge the $16.3 billion Vanguard Developed Markets Index Fund with the $18.4 billion Vanguard Tax-Managed International Fund. The funds share similar holdings and seek to track the same benchmark — the FTSE Developed ex North America Index. The merged fund—to be named Vanguard Developed Markets Index Fund—will offer Investor, Admiral, Institutional, Institutional Plus and ETF Shares.
Two funds that seek to track the Standard & Poor's 500 Index will also be merged. The $3 billion Vanguard Tax-Managed Growth and Income Fund will be merged with the $143 billion Vanguard 500 Index Fund.
A merger of the $738 million Vanguard Growth Equity Fund and the $4.4 billion Vanguard U.S. Growth Fund is also planned.
Check out Vanguard's Davis: Persistent Level of U.S. Debt 'Biggest Issue of Our Lifetime' on ThinkAdvisor.


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Editor's Note: Research Magazine and AdvisorOne contributor Ron DeLegge published (originally on ETFGuide) a strongly worded critique of Vanguard founder John Bogle's dim view of ETFs, found below. The letter provoked an equally robust reply from Bogle. DeLegge tells AdvisorOne he plans a further response to Bogle's rebuttal.
Everyone has heard about love at first sight. But what about hate at first sight? The latter describes John Bogle's long-lasting hate affair with exchange-traded funds (ETFs).
Mr. Bogle is a well-known figure. He's the founder and retired CEO of the Vanguard Group, which manages around $2 trillion in assets. He's also the man who launched the first retail index mutual fund in the U.S. back in 1975.
But he can't—or doesn't want to—understand ETFs.
I know this firsthand, because I've had the privilege of interviewing Bogle several times on my weekly radio program. And in every single instance, he's made it a point to demonize ETFs—even broadly diversified ones with expense ratios lower than index mutual funds.
In a series of excellent interviews with Matt Nesto of Yahoo! Finance, Bogle once again took aim at ETFs, saying "they're no way to invest." Let's analyze a few key points of why John Bogle is dead wrong about the ETFs.
Bogle's Folly?
A 2012 research piece from Vanguard itself refutes Bogle's theory that ETFs are converting the investing public into day traders.
Joel Dickson, one of the study's authors and a principal in the Vanguard Investment Strategy Group, said, "Our individual investor data show that the majority of both traditional mutual fund and ETF investments are held in a prudent, buy-and-hold manner."
The study, titled "ETFs: For the Better or Bettor?" analyzed more than 3.2 million transactions in more than 500,000 positions held in traditional mutual fund and ETF share classes of four different Vanguard index funds from 2007 through 2011.
Why does Bogle conveniently ignore Vanguard's very own ETF research whenever he discusses ETFs? Is it because the data disagrees with his hyper-radical views? Or is it because the analysis on 3.2 million accounts is not adequately rigorous?
ETFs 'Tempt People to Trade'
Among Bogle's chief contentions against ETFs is that they tempt people to trade, therefore, they shouldn't exist. The same faulty reasoning probably applies to other areas of life.
For example, what about modern-day transportation? Should we return to the era of horses and buggies because people are tempted to drive too fast? Who's causing all of these automobile accidents, anyway? Is it cars? Or is it drivers? Only a cave person with a prehistoric mentality would blame the misapplication of clear-cut advancements like automobiles and ETFs on the products themselves versus error-prone individuals.
The fact that ETFs offer intraday liquidity is not a design flaw. What's wrong with the transparency of letting people buy or sell at real-time market prices versus unknown net asset value prices? Isn't locking up customers' money in a mutual fund until the end of the day the real tyranny?
Trading Volume
Bogle says the turnover rate (or buying and selling) of popular ETFs like the SPDR S&P 500 (SPY) tops 5,000% in some cases. But what he omits in his rants is that buy-and-hold ETF investors are not adversely impacted by any of this. That's because ETF shareholders are not liable (tax-wise and commission-wise) for the trading activity of their follower shareholders. By the way, that's not necessarily true of the mutual funds that Bogle defends to the death.
What about all of that evil trading volume?
The very trading volume that Bogle demonizes, in fact, allows for market participants to successfully execute both sides of the trade. Think about it this way: What kind of chaos would be caused by a John Bogle type of stock market of all buyers and no sellers? Is that the kind of place you'd like to invest? Thankfully, the ETF marketplace doesn't operate that way. Nor should it.
Bogle's Bias
"An ETF is like handing an arsonist a match" was something Bogle said way back in 2001. Incidentally, that was the same year that Vanguard launched its first series of ETFs like the Vanguard Extended Market ETF (VXF) and the Vanguard Total Stock Market ETF (VTI). Like other Vanguard ETFs, the funds operate as an additional share class of existing mutual funds.
Instead of embracing Vanguard's foray into the ETF market, Bogle strongly resisted. And he still resists today. Meanwhile, the growth of the ETF industry has seemingly passed him by, zooming ahead from a few hundred million in assets to $1.4 trillion today.
In an admission, Bogle told Yahoo Finance, "The growth has been much more than I would have ever expected." That's a huge understatement.
It's fair to say that Vanguard wouldn't have $250 billion in ETF assets if Bogle was still running the company. Thankfully, someone at Vanguard had enough sense to avoid steering the company into the same abyss as mutual fund companies still holding with a firm grip a dying legacy.
Whether he acknowledges it or not, ETFs are an extension of the index investing philosophy Bogle started back in the 1970s. And regardless of what he or anybody else thinks, the next phase of growth for ETFs will be inside 401(k) plans.
None of this changes Bogle's status as a kind of Paul Revere to the investment world, particularly individual investors. Even with age, he's still articulate and relentless in his fight against Wall Street's selling machine. And tossed into that mix are his irrational arguments against ETF investing.
And through it all, it's still hard to dislike John Bogle. Even when he's dead wrong.
(Originally published at ETFguide.com on Feb. 12, 2013)
Read John Bogle's rebuttal, Bogle to DeLegge on ETFs: 'It Is You Who Are Dead Wrong', on AdvisorOne.
For direct insights on the role of ETFs in client portfolios from multiple experts—including Rick Ferri, Ron Delegge, Skip Schweiss and more—we invite you to register for AdvisorOne's premiere advisorcentric Virtual ETF Summit, which debuts July 23 (and get multiple hours of CFP Board CE).


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Welcome to DNTrade. If you want to find out about the latest domain name industry news or talk, share, learn, buy, sell, trade or develop domain names - then you've come to the right place. It's a diverse and active community, with domain investors, web developers and online marketers - and it's free! Click here to join now.Dismiss Notice
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Discussion in 'SEO & SEM Discussions' started by Suzabro, Jul 31, 2020.


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The spa resort of Bad Mergentheim, which lies in the Liebliches Taubertal holiday region, encapsulates everything about a perfectly relaxing break: wellness treatments, spa facilities and health expertise.
It is on of the largest spa resorts in Baden-Württemberg and the primary focus is on the four therapeutic mineral springs which offer a variety of bathing and drinking cures. When the first of these curative springs was opened up 190 years ago, it marked the beginning of Bad Mergentheim's history as a health resort.
First-rate medical expertise
The key ingredients in this treasured spring water – sodium chloride, sulphates, calcium and hydrogen carbonate – exert beneficial effects on a range of symptoms; patients with illnesses of the liver, gallbladder, stomach, intestines or pancreas can all feel its therapeutic action. However the main beneficiaries of the treatments are people who suffer from heartburn and hyperacidity. In Bad Mergentheim visitors can choose between modern spa centres, sanatoria and spa clinics.
Combine medical treatments with many leisure and wellness options
A new style of spa concept has been introduced to combine the effectiveness of the natural medicinal resources with the considerable medical expertise of therapists. In short the idea is to link the medical treatments more closely with the many leisure and wellness options available, in order to maximise the positive benefits. Bad Mergentheim offers a variety of opportunities for incorporating medical therapies into a range of pleasurable activities, for instance a visit to one of Germany's most delightful spa gardens. Cycling and walking are particularly popular in the Taubertal valley holiday region. Bad Mergentheim is located on the qualitycertified Taubertal Cycle Route and also makes an ideal base for numerous walking routes. This spa resort knows how to make every visit a resounding success.
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Keyboard Accessories
Here you will find the best keyboard accessories, ready to buy online or in-store...and where would we be without them?! This is where you can find keyboard sustain pedals, stands, cases and even expansion cards from Kurzweil, Moog and Cymatic. At the time of writing, we have over 60 keyboard cases ready for you to order, along with over 50 keyboard stands and 40 pedals, meaning that whatever keyboard you have... we've got you covered!
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We like to keep a large stock of keyboard accessories in store to ensure that we can meet your needs. Furthermore, if your total order comes to more than £99 we can get it to you the next working day for free (to anywhere in the UK, if you order before 4pm).
Roland EV-5 Expression Pedal£55.00In Stock
Roland CB-88RL 88 Note Keyboard Bag£75.00In Stock
Roland CB-76RL 76 Note Keyboard Bag£62.60Out of stock
Roland CB-61RL Carry Bag for 61 Note Keyboards£52.00Out of stock
Roland CB-BAX Black Series Keyboard Bag For AX-Edge Keytar£109.00Out of stock


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Revenge54 By Anne Michelle, Lace Up Lug Sole Platform Stiletto High Heel Ankle Bootie
Our policy lasts 30 days. If 30 days have gone by since your purchase, unfortunately we can't offer you a refund or exchange. Shipping is not refundable
To be eligible for a return, your item must be unused and in the same condition that you received it. It must also be in the original packaging.
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All International order, sale item and gift cards are final sale. No exchange or refunds.
There is a 50% restocking fee if returned products shows signs of wear.
Usually if the bottom of the shoes are scratched up it is considered used, you can send us a photo if you are not sure.
Once your return is received and inspected, we will send you an email to notify you that we have received your returned item. We will also notify you of the approval or rejection of your refund.
Returns must be unworn, in the state you received them, and in the original packaging. We understand if the box if badly damaged due to USPS shipping methods.
Please do not use a shoe box as a shipping box. Buyers are responsible for all return shipping fees.
If you are approved, then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment, within a certain amount of days.
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If you haven't received a refund yet, first check your bank account again.
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Next contact your bank. There is often some processing time before a refund is posted.
If you've done all of this and you still have not received your refund yet, please contact us at [email protected]
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If the item was marked as a gift when purchased and shipped directly to you, you'll receive a gift credit for the value of your return. Once the returned item is received, a gift certificate will be mailed to you.
If the item wasn't marked as a gift when purchased, or the gift giver had the order shipped to themselves to give to you later, we will send a refund to the gift giver and he will find out about your return.
Return Shipping
To return your product, you should mail your product to:
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You will be responsible for paying for your own shipping costs for returning your item. Shipping costs are non-refundable if charged.
Depending on where you live, the time it may take for your exchanged product to reach you, may vary.
If you are shipping an item over $50, you should consider using a trackable shipping service or purchasing shipping insurance. We don't guarantee that we will receive your returned item.
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All packages return due to undeliverable address and refused by the customer are subject to a 20% restocking fee. If shipping fee was charged, it is non refundable.
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text: In addition to the information provided on this page, consider what is provided under Spherical roller bearings.; For information on selecting the appropriate bearing for a given application, and interpreting the data on this page, refer to Bearing selection process.; For general information on rolling bearings, refer to General bearing knowledge.


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2013's version of Scott Elarton is….Zach Miner. The Phillies signed Miner today to a minor league contract where he is expected to land in the Lehigh Valley after two likely IronPigs candidates Trevor May and Lisalverto Bonilla were traded away over the last week.
Miner, 30, was originally a 4th round draft pick of the Braves and last pitched in the majors during the 2009 season when he went 7-5 with a 4.29 ERA in 51 games for the Tigers. Miner threw in 23 games for Toledo, the Tigers AAA affiliate last season going 2-0 with a 2.50 ERA in 36 innings of work.
Miner, a big righty, underwent Tommy John surgery during the 2010 season and has struggled to regain his pre-injury form.


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Dang! We have no results for your search.Here's why: You searched for an employee or government unit or department in Illinois that doesn't exist or that we don't yet have data on. Want to know more? See our note below.
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While we make every reasonable effort to vet the accuracy of compensation included in the database, it is impossible to double-check all numbers in an undertaking of this magnitude. The basic building blocks of this database are reports provided by public agencies and it is possible errors in those initial reports or others made along the way will be reflected in the numbers we publish. That is why we need help from the public to point out problems.
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NEW YORK (AP) — Twitter has unsealed the documents for its planned initial public offering of stock and says it hopes to raise up to $1 billion.
The company is also disclosing that it generated $317 million in revenue in 2012 and that it has more than 215 million active users. That compares with Facebook's nearly 1.2 billion and LinkedIn's 240 million.
The company disclosed last month that it had filed confidential IPO papers to start the process of going public. On Thursday, San Francisco-based Twitter Inc. unsealed the papers with the Securities and Exchange Commission.
Twitter's moneymaking potential has minted the company with an estimated market value of $10 billion, based on the appraisals of venture capitalists and other early investors. The IPO could value it higher or lower.
Twitter did not say which stock exchange it plans to list its shares on, though the company said it intends to use the ticker symbol "TWTR."
The underwriters of the offering are Goldman Sachs, Morgan Stanley, JP Morgan, BofA Merrill Lynch, Deutsche Bank Securities and CODE Advisors.
Check out this: 10 Best Finance Tweets of the Month: September


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Amyloid beta (A4) precursor protein degradation products
- This topic has 1 reply, 1 voice, and was last updated 8 years, 3 months ago by JackBean.
June 12, 2012 at 3:11 am #16594AnonymousParticipant
Amyloid beta (A4) precursor protein degradation products of the pathogenic role of Alzheimer's disease research progress
APP is a transmembrane glycoprotein widely present in various tissues, containing a longer fragment of the extracellular amino-terminal (N-terminal) and short segments of the intracellular carboxy-terminal (C-terminal), and its encoding gene is located on the first human 21 chromosome 21q21.2, the transcription, translation and processing mainly expressed in the formation of three kinds with different length of the peptide chain isoforms, APP695, APP751 and APP770. Compared with the other two isoforms, APP695 lacks the Kunitz protease inhibitor (KPI) region outside the cell. Neurons expressing APP695 subtypes in the cerebral cortex of APP695, APP751 and APP770 mRNA ratio of 20:10:1. The function of APP may be: (1) G protein-coupled receptor-like role to participate in transmembrane signal transduction process. (2) to promote cell adhesion, cell shape remodeling and neural development. (3) to promote the occurrence of synaptic structure, and enhance synaptic plasticity and synaptic transmission. At APP695 subtype, with the majority of membrane proteins, transmembrane proteins of the orphan receptor characteristics, it is easier by complex protein hydrolysis pathway cracking of varying sizes peptide fragments, including a relatively long extracellular amino terminal peptide fragment, the smaller the A beta protein (the main component of senile plaques) and a variety of sizes ranging from APP intracellular domain (AICD). The traditional view is that the APP degradation by two ways. Α-secretase pathway: (1), also known as non-amyloid formation routes. Followed by the alpha, gamma secretase cutting, resulting in the exocytosis of APP (s APP alpha), P3 ~ 40 (A beta 17 or A beta 17 ~ 42) fragment and APP intracellular domain fragment. The role of the α-secretase enzyme sites in the region of A beta structure, it does not produce a complete A-beta fragment. (2) β-secretase pathway: also known as amyloid formation routes. Cutting followed by the β and γ-secretase enzyme, resulting in extracellular s APP beta, A beta (A beta 40 and A beta 42) fragment and APP intracellular domain fragment. It is generally believed that these two degradation pathways exist, α and β-secretase enzyme state of relative equilibrium and there is competition in the role of the substrate.Physiological conditions, the main enzymatic pathways of α secretion, while pathological conditions, while β-secretase pathway-based, resulting in excess of A beta 40 and A beta 42, the formation of A beta deposition as the core of senile plaques and disease.But so far to regulate these two selective digestion of APP specific mechanism remains unclear.
The traditional view is that the extracellular A-beta deposition play an important role in the pathogenesis of Alzheimer's disease. However, Gouras et al in patients with mild cognitive impairment (MCI) hippocampus and entorhinal cortex region of neurons found in A beta accumulation, and Mori and also with Down syndrome (Down syndrome) in patients with brain tissue similar change. Tips, intracellular A beta aggregation before extracellular A beta deposition in Alzheimer's disease process. These inferences and the transgenic mouse model to obtain the research results. In vitro experiments and mouse neurons A beta positioning study are confirmed, a variety of pathological effects of intracellular A beta in Alzheimer's disease in the pathological process, including through the inhibition of proteasome activity and the promotion of tau protein aggregation in the mitochondria progressive aggregation inhibition of the respiratory chain enzyme Erzhi hypoxia, caused by calcium metabolic disorders and inhibition of long duration action potential, leading to memory and cognitive dysfunction. This shows that A beta may also accumulate in cells and play an important role in the early onset of Alzheimer's disease. However, the conclusion still need the same evidence in order to further confirm that in the brain tissue of Alzheimer patients.
June 12, 2012 at 6:09 am #111550JackBeanParticipant
And your point is?
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Historically, the various software and technology solutions that serve financial planners have been very fragmented. Independent firms were often stuck with small, homegrown solutions for financial planning, client relationship management (CRM) and portfolio reporting software. Alternately, they were forced to work with software providers that simply didn't have enough resources for growth and development. Advisors with larger firms often had access to the best software, but since it was a proprietary solution of the parent firm, the advisor effectively faced a world where key client and business data might be held captive.
As the world transitions into the digital age, though, this landscape is rapidly changing, due both to the accessibility brought about by having near-universal access to "the cloud" from any computer or device and any location, and the emergence of application programming interfaces (APIs) that allow disparate software packages to integrate in a way that has never before been possible.
These changes in turn are driving several new emerging trends. The first is that now independent software companies are often larger and better developed than home-grown proprietary solutions. This development encourages new firms to innovate and makes it easier than ever for advisors to change firms knowing that they will have more portable client and business data and access to similar (or even better) software after making a change.
In addition, the growing integrations through software APIs are rapidly bringing advisors towards the "Holy Grail" of a unified central solution for CRM, portfolio management and reporting, and financial planning software, which is further driven by a growing number of "integrators"—firms that help adapt software packages through their APIs to develop customized advisory-firm-specific Grail solutions.
As of now, these trends are still under way and will be playing out for many more years. Nonetheless, the direction is clear, and remarkably positive for both startup technology firms—who have more opportunity for growth and success than ever—and advisors, who may enjoy software in the future that is simultaneously cheaper, more efficient, more innovative, more integrated, and just downright superior to anything we've ever had in the past.
How We Got to This Point
In the past, the world of software for financial planners was very fragmented. Large firms (i.e., wirehouses and insurance companies) developed their own proprietary solutions, typically integrating together (at least partially) the financial planning, CRM and portfolio reporting software into a unified package. Although the integrations were often limited (at least by today's standards), and the consolidated software could be somewhat clunky and inefficient, the reality was that the best software solutions were at the largest firms.
By contrast, advisors in the independent space struggled. The options were few and far between; many solutions were tiny, struggling software companies or even home-grown software originally built within a planning firm and then sold to other advisors. In the case of CRM in particular, large, non-industry-specific platforms simply had a lightly customized template for advisors to overlay (e.g., Act! and Goldmine). For independent RIAs, there was often little choice but to accept what was offered and make the best of it. Independent broker-dealers often tried for more, but struggled with the lack of scale necessary to internally create and offer the best proprietary solutions.
The end result of these challenges was that many advisors within larger firms effectively became captive to their company's software solutions, as going independent meant taking a step down in software and technology, and even if there was a competitor with "comparable" technology (which was often hard to determine) the change still meant walking away from your client and business data, which was often embedded within and effectively "held hostage" by the current employer and its software. In essence, proprietary software at large firms was simultaneously a business enhancement for advisors who worked there, and shackles that made it hard for them to leave (which helped the firms justify the investment into the software in the first place).
For those at smaller or independent firms, they weren't necessarily held captive to a platform because of its technology, but the alternative wasn't much better: making a decision from among the very limited small-company solutions available. Although the planning firm might own its data in such a scenario, migrating it from one software platform to another was difficult and expensive, or outright impossible as well. In the meantime, the software evolved very little, as most of these "tiny" firms simply didn't have the resources to reinvest for growth and development.
The Impact of the Digital Age
Over the past several years, the technology landscape for financial planning (and other industries) has begun to shift dramatically as financial planning enters the digital age; these changes are being driven by two major forces.
The first is the rise of the Internet and an ever-growing amount of bandwidth that has made it possible to interact with software primarily through digital connectivity. The end result of this change: software no longer needs to run on your computer in order for you to use it. Instead, it can exist "in the cloud" and still be accessed from your computer.
Although the near-term benefit is simply that firms no longer have to buy their own hardware to run local installations of software, the longer-term impact is far more profound: with cloud-based computing, your software can be accessed from any location, and any device—which also means it can be accessed from any employer and on any advisory platform.
The second major trend has been the emergence of application programming interfaces (APIs). The basic concept of an API is that software is built with various hooks and openings, which allows programmers from other companies to program their software to connect with, latch on to, and interact with the first software.
Think of it this way. When you use your computer, you don't actually interact with the physical box full of computer parts; instead, you use a keyboard, mouse and monitor to see and interface with your hardware and software. Software of the past was like having the computer with no mouse or keyboard; you could see what it was doing on the monitor, but you had no way to interact with it. When software is built with an application programming interface—the key word being "interface"—it's like building in a mouse and keyboard, so other software can now interact with it. The end result: software packages are beginning to "talk" to one another and communicate.


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Throughout your pregnancy, you'll want to know how your baby is growing. You'll also want to know if how you're feeling is normal. Prenatal tests can offer you valuable information about your health and the health of your growing child.
If your doctor recommends a screening or test, be sure to learn about the risks and benefits. Most parents agree that prenatal tests offer them peace of mind while helping to prepare them for their baby's arrival. But it's your choice to accept or decline a test.
Read on to learn about tests that may be available to you during your second trimester.
Your first visit to the obstetrician (if you haven't gone already) should include a pregnancy test to confirm the pregnancy and a full physical that includes a pelvic exam. Your urine (pee) also will be tested for protein, sugar, and signs of infection.
If you're due for your routine cervical test (Pap smear), the doctor will perform it during the pelvic exam. This test detects changes in your cervical cells that could lead to cancer.
To do a Pap smear, the inside of your cervix (the opening to the uterus that's located at the very top of the vagina) will be swabbed with a cotton swab. This may be a little uncomfortable, but it is over quickly. During the pelvic exam your doctor will likely also check for sexually transmitted diseases (STDs) like chlamydia and gonorrhea.
In addition, blood will be drawn to check for things like:
After the first visit, you can expect to get your urine tested and your weight and blood pressure checked at every (or almost every) visit until you deliver. The reason for this is to identify conditions such as gestational diabetes and preeclampsia.
Throughout your second trimester, you'll be offered more tests depending on your age, health, family medical history, and other factors.
Between the 15th and 20th weeks of pregnancy, expectant mothers usually are offered a blood test called the multiple-marker test (also called the multiple marker screening, maternal serum screening, or maternal blood screening). Doctors use this test to screen for Down syndrome and neural tube defects.
Depending on the number of things measured, this screening also might be called:
This screening calculates a woman's individual risk based on the levels of the three (or more) substances, as well as:
The greater number of markers increases the accuracy of the multiple marker test and better identifies the possibility of a problem. In some cases, doctors will combine the results of this test with results from the first trimester screen (a blood test and/or ultrasound done at around 13 weeks to check for chromosomal abnormalities) to get an even better idea of a baby's risk for Down syndrome and neural tube defects.
All women are offered some form of this test. Some practitioners include more parts of it than others. Remember that this is a screening, not a definitive test — it indicates whether a woman is likely to be carrying an affected fetus. It's also not foolproof — Down syndrome, another chromosomal abnormality, or a neural tube defect may go undetected, and some women with abnormal levels have been found to be carrying a healthy baby. Further testing is recommended to confirm a positive result.
The blood tests are typically done between 15 and 20 weeks.
Blood is drawn from the mother.
Usually within a week, although it may take up 2 weeks.
Ultrasounds were once used only in high-risk pregnancies but have become so common that they're often part of routine prenatal care.
During an ultrasound, sound waves are bounced off the baby's bones and tissues to construct an image showing the baby's shape and position in the uterus. Also called a sonogram, sonograph, echogram, or ultrasonogram, ultrasounds are used to:
This test is considered safe, but it's up to you to decide whether to undergo it. Talk to your health care provider to find out why this test is recommended for you.
Ask your doctor when you will need to have an ultrasound. Most second-trimester ultrasounds, or "level 2" ultrasounds, are usually given between 18 and 20 weeks to examine a baby's anatomy and to confirm that the baby is developing normally.
It's during this test that a baby's gender usually can be determined (as long as the baby is "cooperating" and in the right position). If you want your baby's gender to be a surprise, make sure to tell the doctor or technician at the start of your test.
Women with high-risk pregnancies may need to have multiple ultrasounds throughout their second trimester.
Although the technician can see the images immediately, a full evaluation by a doctor may take up to 1 week if one is not on site during the exam.
Depending on where you have the ultrasound done, the technician may be able to tell you that day whether everything looks OK. However, most radiology centers or health care providers prefer that technicians not comment until a specialist has taken a look — even when everything is OK.
Glucose screenings check for gestational diabetes, a short-term form of diabetes that develops in some women during pregnancy. Gestational diabetes is increasing in frequency in the United States, and may occur in 3% to 8% of pregnancies. Gestational diabetes can cause health problems for the baby, especially if it is not diagnosed or treated.
Most women have this test, and if they have gestational diabetes, are treated to reduce the risk to the baby.
Screening for gestational diabetes usually is done at 24 to 28 weeks. Testing may be done earlier for women who are at higher risk of having it, such as those who:
This test involves drinking a sugary liquid and then having your blood drawn after an hour. If the sugar level in the blood is high, you'll have a glucose-tolerance test, which means you'll drink a glucose solution on an empty stomach and have your blood drawn once every hour for 3 hours.
The results are usually available within 1 to 2 days. Ask if your health care provider will call you with the results if they are normal or only if the reading is high and you need to come in for another test.
This test takes a sample of the amniotic fluid that surrounds your baby, and examines the substances in the fluid, like genetic information. It is most often used to identify:
Doctors sometimes check for infection and Rh incompatibility with this test. Late in the pregnancy, this test can reveal if a baby's lungs are strong enough to allow the baby to breathe normally after birth. This can help the health care provider make decisions about inducing labor or trying to prevent labor, depending on the situation. For instance, if a mother's water breaks early, the health care provider may want to try to hold off on delivering the baby as long as possible to allow the baby's lungs to mature.
Other common birth defects, such as heart disorders and cleft lip and palate, can't be determined using this test.
Your health care provider may recommend this test if you:
This test can be very accurate — close to 100% — but only certain disorders can be detected. The rate of miscarriage with this procedure is between 1 in 300 and 1 in 500. It also carries a low risk of uterine infection, which can also cause miscarriage, leakage of amniotic fluid, and injury to the fetus.
Talk to your doctor to find out why this test is recommended for you, and to weigh the pros and cons of undergoing this test.
Amniocentesis is usually performed between 15 and 20 weeks.
While watching with an ultrasound, the doctor inserts a needle through the abdominal wall into the uterus to remove some (about 1 ounce) of the amniotic fluid. Some women report that they experience cramping when the needle enters the uterus or pressure while the doctor retrieves the sample.
The doctor may check the fetus' heartbeat after the procedure to make sure it's normal. Most doctors recommend rest for several hours afterward.
The cells in the withdrawn fluid are grown in a special culture and then analyzed (the specific tests conducted on the fluid depend on personal and family medical history).
Timing varies; depending on what is being tested for, the results are usually available within 1 to 2 weeks. Tests of lung maturity are often available within a few hours.
This test obtains fetal blood by guiding a needle into the umbilical cord. It is primarily used in addition to an ultrasound and amniocentesis if your health care provider needs to quickly check your baby's chromosomes for defects or disorders or is concerned that your baby may have another problem, such as a low platelet count or a thyroid condition. Alternative names for PUBS include cordocentesis, fetal blood sampling, or umbilical vein sampling.
The advantage to this test is its speed. In some situations (such as when a fetus shows signs of distress) it's helpful to know whether the fetus has a fatal chromosomal defect. If the fetus is suspected to be anemic or to have a platelet disorder, this test is the only way to confirm it because it uses a blood sample rather than an amniotic fluid sample. It also allows transfusion of blood or needed fluids into the baby while the needle is in place.
This test may be used:
Risks are associated with this procedure, such as miscarriage or infection. The risks and benefits should be discussed with your health care provider if you choose to have this test.
After 18 weeks.
A fine needle is passed through your abdomen and uterus into the umbilical cord and blood is withdrawn for testing.
Usually within 3 days.
Throughout your pregnancy, your health care provider will order other tests based on, among other things, your (and your partner's) personal medical history and risk factors. If your baby is at risk for certain hereditary conditions, you will be given an appointment to speak with a genetic counselor.
Screenings or diagnostic tests offered to those at risk for certain conditions include tests for:


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Personalized Wedding Dinner Napkins – Guest Towels 1
Wedding Dinner Napkins
Personalized Wedding Dinner Napkins – Guest Towels 1, Item# WIDINNAPKIN1
Note: Sparkles are simulated and will not light up.
Personalized Wedding Dinner Napkins – Guest Towels 1, Item# WIDINNAPKIN1
Note: Sparkles are simulated and will not light up.
Place Card
Classic Black & White Rectangular Sticker Favor Label
Add more than just color to your Wedding Reception, Party or table setting - add style!
Velvety soft personalized napkins are available in a variety of fashionable foil colors to accent your Wedding Reception or table theme. Choose from the many color options in the Napkin Color dropdown box and instantly preview them on the left.
You can then further customize your text color and layout in Storkie's Preview Wizard - iDesign.
Note: when you first enter iDesign, the color of your text and graphics may change (from the preview on the left) to best complement the color napkin that you have selected. You can always change it in iDesign.
You will be able to select the typestyle and ink colors to use for your personalized text during the design process. Start by clicking on the green 'Personalize and Continue' button. We recommend using the default typestyle and ink colors.
|Item Type:
|3 Ply Dinner Napkin
|Napkin Dimensions:
|4 3/8" x 8 3/8" (W x H)
|Printing Process:
|Foil Stamping
|Typestyle Shown:
|Chopin and Copperplate
|Matching Foil Color:


text: Equilibrium temperature [K] Upper margin of error Lower margin of error Lower limit Upper limit Link to scientific paper Your name Note: Your commit will be vetted before it is merged into the public version. It is crucial that you include a link to a scientific publication. For more information on the meaning of the different datafields see the readme file in the Open Exoplanet Catalogue repository on github.


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Description:5 x HP 1TB 3.5-inch LFF SATA 6Gb/s 7.2K RPM
512n Midline (MDL) Hot-Plug Hard Drive
in G8 G9 (Gen8 Gen9) SmartDrive Carrier (SC) (as pictured)
For HP G8 G9 Proliant SATA Servers and select Storage Arrays
Genuine HP serial number and firmware
Genuine HP Certified Hard DrivePart Number(s)
Option Part# 657750-B21
SmartBuy Part# 657750-S21
Spare Part# 657739-001
Assembly Part# 657749-001
Model# MB1000GCEEK
Overview:HP SATA Hard Drives are designed for the reliability and larger capacities demanded by today's entry server and external storage environments. HP SATA Midline Hard Drives are designed with economical reliability and performance for external storage backups and archival applications. Midline SATA Hard Drives provide the best price advantage for non-mission critical applications with low workloads of 40% or less. HP SATA Hard Drives are available in both Large Form Factor (LFF) 3.5-inch and Small Form Factor (SFF) 2.5-inch.


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Please join us for a screening of "Shadow of the Holy Book" A Documentary Film on Turkmenistan
Wednesday, February 18, 2009 3:30 p.m. to 5:00 p.m. Ford House Office Building Room 108
Screening Co-sponsored by the U.S. Commission on International Religious Freedom and the U.S. Helsinki Commission
The film "Shadow of the Holy Book, "directed by award-winning Finnish director Arto Halonen, examines how some of the world's biggest international companies have secured lucrative contracts with former President Niyazov's dictatorial regime, including funding translations of the Ruhnama, Niyazov's so-called "spiritual guide."
The Ruhnama embodied the grotesque personality cult of former Turkmen president Niyazov which dominated the country's public life for almost two decades. A generation of Turkmen schoolchildren was forced to study the Ruhnama at the expense of genuine education. "Shadow of the Holy Book" also looks beyond the Niyazov regime to the new government of President Berdymuhammedov who has ruled the country since early 2007.
The documentary questions the morality of international companies doing business with the dictatorship of oil-and-gas-rich Turkmenistan, and if their activity helps to hide, or even promote, Turkmenistan's dismal human rights record.
The film screening (52 minutes) will be followed by a discussion featuring:
Farid Tuhbatullin is a former political prisoner and the current director of the independent Turkmen Initiative for Human Rights, based in Vienna. An environmentalist and civic leader, he was arrested in December 2002 on politically motivated charges and later sentenced to three years of imprisonment. He was amnestied under international pressure in 2003 and is now a political refugee in Austria, where he is a leading voice for human rights in Turkmenistan.
Arvind Ganesan is the director of Human Rights Watch's business and human rights program, and is involved in research, advocacy, and policy development for Human Rights Watch on issues involving business and human rights, with a primary focus on the energy industry. Currently, his program focuses on human rights issues related to the extractive industries, labor rights, trade, and the economic interests of militaries.
The discussion will be moderated by Catherine Cosman, who was on a U.S. Commission on International Religious Freedom delegation to Turkmenistan in August 2007 and Janice Helwig, a Helsinki Commission Policy Advisor who organized a hearing on Turkmenistan in 2008.
For further information please contact Cathy Cosman at 202-523-3240 ex 125 or Janice Helwig at 202-225-1901.


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