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This is the first in a five-part series defining success for retirement plan advisors by Liz Davidson, who as president of Financial Finesse has a unique vision of who the most successful retirement plan advisors are, and what they have in common.–Ed.
This past year, I've had the pleasure of working with quite a few top advisors in the country, independent wealth management and retirement plan advisory firms, most of whom manage billions of dollars in assets. I've also spoken to a lot of plan advisors who aspire to reach that level of success, but haven't been able to do so despite doing all the things they were taught to do when it comes to networking, prospecting and trying to close new business.
Many have vocalized how hard it is to stay independent and keep the lights on, and they are right. The market is very tough and it may become tougher, particularly for plan advisors. Fee disclosures have put pressure on the entire industry to do more for less, and many of the practices that were innovative just a few years ago have become commoditized. With plan advisors having the same—or at least similar—approaches to investment reviews, vendor searches and fiduciary best practices—it comes down far too often to price. The big players can afford to "buy" the business as a strategy for forcing small players out of the marketplace.
So why then are most of the advisors we work with thriving? All have grown their practices fairly significantly in this tough environment, and a good percentage have actually increased pricing.
Here's my perspective on the three core reasons why they are able to achieve what has eluded so many others:
1. They have a 10-year vision and very clear one-, three- and five-year plans.
The vision is typically the driving force and changes very little—it's the roadmap for where they want to go, who they want to be and what areas of the industry they want to play in. The plans provide the structure for how to achieve the vision, but are built with the perspective of understanding that markets change in ways that none of us can anticipate, and that the plans need to evolve accordingly.
They train their people to be both proactive planners and nimble executors, with very clear objectives but freedom as to how those objectives are achieved. All have processes, but a very clear understanding that the process is the means to the end, and should be continually refined and improved based on client feedback and ever-changing market conditions to achieve the best results.
Two CEOs I know at very rapidly growing rival firms are both fastidious about their planning. While not done in a bureaucratic or formal way, all decisions they make stem from their long-term vision. Moreover, every single team member in their firms can articulate the vision with clarity, and understands how their job connects to the plans and goals of the organization. Sounds simple, but it's actually very rare. Interestingly, each of these CEOs considers the market positioning of the other's firm in their planning. Rather than regularly competing head to head, they've each come to independent conclusions about where they are stronger than each other and where they are weaker relative to the other, and have crafted their market positioning accordingly.
One pursues a volume strategy, dependent on cross selling and economies of scale. This firm has developed a suite of services with tremendous infrastructure and processes to scale cost-effectively, in a way that meets the needs of clients that prefer to implement a proven, standardized process.
The other has specifically built a brand that appeals to very large companies that want a customized, boutique level of service and are willing to pay for it. He has fewer clients, but makes more money per client, at fees far beyond the industry average, because of the reputation he has built and the value he is able to bring in terms of addressing client's strategic objective. Both are profitable, both are growing and there is room in the market for both.
2. They are ahead of their clients.
They actively listen to clients' challenges, but instead of reactively responding to client requests, they identify the common themes and patterns in what their client's concerns are and come up with ideas, strategies and, most important, new products and services that address client issues. In some cases, they even spot issues their clients hadn't identified and develop products and services to address these issue, knowing that when they do bring these to market, their clients will respond.
I could share a lot of stories of advisors who have taken this approach and used it to differentiate themselves and significantly increase their market share, but the one that stands out most in my mind is Jason Chepenik's story.
Jason Chepenik joined his father's firm, Chepenik Financial, in 1999, and has guided it to where it is now one of the leading providers of individual investment planning, corporate benefits and corporate retirement planning services in the industry.
Jason took an active voice in the industry from the start, speaking before some of the most influential players in the retirement plan industry, including the Department of Labor, to help shape retirement plan policy, fee transparency and best practices in 401(k) practices. What Jason realized at that point was that the industry would ultimately have to change or die, and he became a catalyst for the change he was convinced needed to happen.
Long before plan sponsors were explicitly talking about the importance of participant retirement outcomes, he was advocating for his clients and the industry as a whole to redefine plan success through participants' retirement preparedness rather than strictly focusing on investment performance. As a result, his firm has flourished while others have collapsed. His innovative approach to plan success metrics led his firm to be way ahead of the curve when plan sponsors began demanding a more holistic, participant-centered approach from their advisors in response to a difficult economy.
3. They understand the difference between expenses and investments. All of the top firms control commodity expenses like travel, office supplies and software that has become commoditized, but all also make investments in the areas that they think will be the biggest differentiators to their business.
To a one, they are impatient with expenses (often teased by their staff for their frugality about even the smallest expenses), but set realistic goals and exhibit appropriate patience for investments, recognizing that overnight success is a myth and to get to where you want to be five years from now, you need to begin to commit resources today.
Most don't have fancy offices, but they have excellent infrastructure, very strong teams who are well-appreciated and compensated for the value they bring to the table, the appropriate amount allocated to the marketing activities that generate business, and service offerings that are absolutely top notch with no expenses spared.
Every single successful advisory firm that I have come to know personally has followed this principle. One group spent 10 years cultivating a relationship with a Fortune 500 company, doing education and 1×1 financial planning for free for employees at the company, knowing that when they retired, most employees would turn to them to manage their lump sum pension payouts. It has worked exceptionally well, with a very strong word-of-mouth following that has resulted in the firm being among the largest and most profitable independent financial advisory groups in the country.
Others have made significant investments in technology or marketing that might have seemed entirely counterintuitive at the time based on their revenue, but were actually pivotal strategic decisions that catapulted them way ahead of the competition. All cases required a leap of faith and different kind of mindset than most advisors have.
My friend and prominent executive coach Joe Cullinane calls this the difference between being a small business owner and a true entrepreneur. Small business owners see all expenses as painful and something that needs to be reduced at all costs. Entrepreneurs control commodity costs with equal, if not greater, ferocity but are willing and eager to make investments in their own growth—investments that might even seem foolish at the time, but are, in reality, wise strategic moves based on the direction of the market and the best way to grow their own firms within the marketplace.
In our upcoming series of columns on this topic, I will be sharing case studies about the most successful advisory firms with which Financial Finesse has worked, exploring they have managed to beat the odds in this difficult marketplace to grow at disproportional rates, all while building a lasting reputation and legacy in the process. That in and of itself is one of the biggest lessons from this kind of analysis: In my experience, financial advisors focus on their failures—the clients they didn't get, the goals they didn't achieve—and try to identify what went wrong.
Personally, I believe it's impossible to build a great and enduring business by "not making mistakes" (though there's something to be said for that as an investment strategy). Instead, I think we need to look to leaders in the industry and learn from what they have done right. Their successes shape their personal legacies, but they can also inspire the rest of us to create our own.
In the next four parts of this series, Liz Davidson will present case studies of three particularly successful advisors in the retirement plan space, followed by a posting in which she suggests the practical steps advisors can take who want to succeed in this unique business.-Ed.
*Full Disclosure: Most of the firms mentioned above have launched Financial Finesse's financial wellness services to their clients. They are a small subset of total advisors that Financial Finesse has worked with in this capacity, and were selected for inclusion based on their business success and the principles they follow.


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We are proud to announce that this Oct 9th, 2:00 PM to 4:00 PM we will be hosting an Open House at 0000 Marble Crescent in the Morris Village neighborhood, Rockland. This is an opportunity to visit this excellent Townhouse for sale in beautiful Morris Village.
Please come with any questions you may have. In the meantime you can take a virtual tour of this Morris Village Townhouse for sale.
As always please do not hesitate to give me a call at if I can answer any questions before the open house, or if you would like to book a private showing.
Jean Richer - Salesperson
Remax Hallmark Realty Group

subset: commoncrawl


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Faux Fur Lined Bootie Slippers
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Video feature: 'Social Issue Filmmaking at Princeton University'
This spring Princeton students got hands-on filmmaking experience with Emily Abt, a lecturer in the University Center for Human Values, and her course, "Social Issue Filmmaking." This video feature about the course includes excerpts from three students' original work.
Because Abt is an award-winning filmmaker, has her own Brooklyn-based production company called Pureland Pictures, and currently is doing projects for clients such as the Sundance Channel and PBS, she has insights and contacts that have created extraordinary access to the film industry for the students.
"I think it's really interesting seeing the ins and outs of making movies -- the things you can't really learn just by reading a book," said junior Jamie Ding.
Ding edited the short film "Out of Sight," which along with two other films from the course, "Clear the Slate" and "Tony," can be viewed on the Princeton Campus Life channel on YouTube.
Over the 12-week course, students have been offered an opportunity to critically examine a selection of documentary and narrative films, and learn the essential aspects of social issue filmmaking. In addition, the students -- who come from disciplines ranging from molecular biology to visual arts -- each have taken a role in shooting, directing, producing and editing. The students worked in teams to create mini-documentaries for their midterm projects, focusing on topics that emerged from the diverse interests of the students, such as transgender issues, the environment and the wrongly accused in the American prison system.
Sophomore Shikha Uberoi, a student in the class, said, "I do want to make documentaries. I am planning on going this summer to India to film. I wasn't planning on editing myself or even shooting [originally]. … I was just planning on being the journalist, but … I do have a spark of confidence now due to this class."
Sophomore Jack Thornton, another budding filmmaker and the director of "Out of Sight," said of the course, "This fed very well into my real-life experience and helped me this semester as I was working on my own projects, so I definitely got a lot out of it."


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Jolt Awards: The Best Books, October 01, 2013 Five notable books every serious programmer should read.
Jolt Award: Lean UX
By Jeff Gothelf with Josh Seiden
Agile development has been the rage for more than a decade now. And while it has focused largely on writing code, testing, and processes that have morphed into DevOps, it's never adequately explained how the constant user feedback that is crucial to its operation works. This dimension becomes particularly important in the new age of expanded awareness of user experience (UX) driven by mobile apps. Lean UX fills that gap with thoughtful advice on how exactly to prototype, design, and validate the user experience and, perhaps more importantly, how to integrate UX design with the work of the development team.
While stressing the nature of this new collaboration, Gothelf finds imaginative ways to fuse the UX design experience with mainstream agile principles. For example, one of his key recommendations is to pair designers and developers. This provides an instant feedback loop between the users' representative (the designer) and the programmer a remarkably accelerated form of agile development.
When not focusing on the collaborative aspects, this book attempts to maximize the efficiency associated with lean practices by providing concrete suggestions with immediate application. These are as prosaic, but important, as developing a style guide with implemented elements in known repositories. Or advice on the best way to get working prototypes put together quickly. ("Use prototypes of varying fidelities to get a sense of what your product's experience will be and validate that with customers to ensure you're headed down the right path.")
In sum, this short book is an excellent guide to the paradigm of UX design and implementation, presented here in an agile context that enables developers to integrate this approach into their workflow quickly and effectively. It's a valuable book that points the way to the future, and thus is the reciepient of this year's Jolt Award.


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Rays - 100 011 000 - 3 7 0Jonathan Papelbon got himself into a bit of a jam in the top of the ninth, walking Akinori Iwamura, committing an error on a pick-off attempt and allowing a single to shallow center to Jason Bartlett.
Red Sox - 010 200 01x - 4 9 2
Bot struck out pinch-hitter Carlos Pena (cbbbs) and Bartlett stole second on strike three without a throw. Second and third, one out, one-run lead. Papelbon (sfb) fanned B.J. Upton on an inside fastball at 95, then he got Carl Crawford (bsbs) swinging at a 97 mph heater.
David Ortiz got the game-winning rally going in the eighth when he doubled off the left field wall off Brian Shouse. Dan Wheeler came in and gave up a double to Jason Bay (who doubled and scored Boston's first run in the second). The two fourth inning runs were on doubles by Jeff Bailey and Jason Varitek (and a fielding error on a popup by Iwamura). Five of Boston's seven hits were doubles.
Dustin Pedroia left the game in the fourth inning with a strained groin, something that has been bothering him for about a week.
The Red Sox flew to Anaheim after the game. A six-game road trip against the Angels and Mariners starts Tuesday night.
To make room for Daniel Bard on the roster, Javier Lopez was designated for assignment. It's time to dance!
Matt Garza (3.51, 137 ERA+) / Josh Beckett (6.75, 74 ERA+)
Rocco Baldelli, on former teammate Garza:
When he's on, he's throwing a 97 mile-an-hour two-seamer, which is tough on everyone -- lefties and righties, it really doesn't matter. When he's throwing his breaking ball for strikes, whether it be his slider or his curveball, he's tough. ... You just hope you maybe catch him on an off day.In two starts so far this season, Boston is batting .102 against Garza. Only Jacoby Ellsbury (.421) has a career batting average above .200 (stats).
Kevin Youkilis will make it an even week on the bench by sitting out tonight, and using the off-day Monday to get ready to return on Tuesday in Anaheim. He also doesn't mind if Jason Bay takes his #4 spot in the order:
If he's going to hit the way he is, he can stay there. I'll hit anywhere in the lineup except for leadoff. I don't mind. I'll hit sixth, I don't mind. I've hit there before. I don't think it bothers any of these guys here. It's such a good lineup. I'll hit sixth, seventh -- I don't care. It's actually better to hit sixth or seventh, you get more RBIs [in this lineup].Daisuke Matsuzaka makes his second rehab start for Pawtucket today, in Columbus, Ohio. ... Baldelli's home run on Saturday was only the second dong hit by a Rhode Island native as a member of the Red Sox; Lefty LeFebvre homered in his first major league plate appearance on June 10, 1938.
NYY/BAL at 1:30 and TOR/OAK at 4.


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My Album
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Question: What type of paper, chemicals and machines are your photographs reproduced on?
Answer: We print on archival quality Kodak papers. Kodak EDGE is used for matte and glossy and Kodak Endura is used for Lustre.
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In contrast, matte finishes have a very smooth, non-glare finish. Matte finishes have a lower-contrast when printed and are often used to enhance the texture of a print and may be best suited for framing.
Lustre paper is the premier paper most preferred by portrait and wedding photographers and is considered more of a professional-grade paper. Lustre is often considered the finish "between" matte and glossy, and has a slight gloss with a subtle, often pearl-like texture. Lustre paper has a deeper color-saturization than matte as well as a higher contrast.
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Answer: When our registration/order form asks users to enter sensitive information (such as a credit card number), that information is encrypted and is protected with the best encryption software in the industry - SSL. While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Firefox and Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open, when you are just 'surfing'.
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Answer: If you cannot immediately locate the photo you appear in, try locating it through different categories within the photo galleries. If it is not found, the photo may not have been selected for posting. The individual publications choose which photos from each event will be posted online. There may be several reasons that photos do not make it to the website. (technical difficulties, poor image quality, etc.)
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GTR Lighting Lightning Series 7440 / 7443 LED Bulbs
- Brand
- GTR Lighting
Customers Also Viewed
GTR Lighting Lightning Series 7440/7443 LED Bulbs
These LED bulbs will replace any T20 based 7440/7443 series bulb, here is the bulb cross reference guide for this product:
These GTR Lighting LED lights are the perfect substitution for all single beam and dual beam parking and blinker bulbs and some brake light applications and reverse lights, sold in pairs! Get rid of your factory halogen lights that give your car a yellow glow, and use these LEDs for a crisp white light!
This package has 2 LED bulbs and they each feature 4 seperate high-power LEDs each. These bulbs are perfect for almost any application where they fit.
Note: These will not be as bright as an HID system, or a high-wattage halogen bulb. They provide the HID look at a fraction of the cost.
This product is available in all brake/reverse/blinker colors: RED WHITE AMBER
This package has 2 LED bulbs and they each feature 4 high-power surface mount LEDs with a forward-facing lens. These bulbs are perfect for almost any application where they fit.
Suitable Applications:
Fog Lights
Daytime Running Lights
Constant Current Driver: The Lightning Series of LED bulbs from GTR Lighting are built using a state of the art Constant Current Driver inside the bulb with built-in CANBUS function for most monitoring systems. This allows them to be more reliable when used on vehicles that have voltage fluctuations due to electrical system design or fault. A constant current driver is a device that takes any incoming voltage and smooths it out, regulates it, so a steady stream of voltage/current reaches the LED. This helps the LED bulb last longer than bulbs that don't have this device built in.
What's Included:
Two Chip On Board Wedge LED Bulbs
Specifications Per Bulb:
Dimensions: Overall Length 2.59" Width 0.81"
Wattage: 4.92w
Amp Draw: 0.41 @12VDC
Lumen: 450
Warranty Information
Shipping & Returns
Returns Policy
When you buy something from a Top Line Group, LLC store, you agree to our policy about returns, exchanges and refunds as outlined below: Our goal in sales is to help you get the right product the first time, but if something doesn't turn out the way you wanted it to, we want to be here for you to make sure you get your money back or the right product that fits your needs! Please contact us before sending in a product for return. It always makes the process go more smoothly!
Refund/Return Policy:
Step #1: Return Authorization: Our website doesn't do a great job at automating returns, so please contact us first so we can help facilitate your return. We will email you a form that you can fill out and send back to us with the items you don't want or need. This form will tell us who the item(s) are from, what was wrong, and what you want us to do with them. If you don't send us the form, your return process will be slow and painful.
Step #2: Refund, Repair or Exchange: We accept returns for exchange, repair or refund 30 calendar days after delivery of the product. Shipping charges are not eligible for credit or refund. Also, if you need to send something back we do not pay for shipping.
**To be eligible for a refund: Items must be in "new, unaltered and unused condition". Refunds are contingent upon inspection of item(s) once we receive them. **To be eligible for a repair: Item must have a repair warranty option with the manufacturer. Not all items can be repaired. **To be eligible for an exchange: Items must be returned within the 30 day time period and you will be given store credit to be used to purchase something else. Items must be in "new, unaltered and unused condition". You can replace a product with a different product by paying the difference in price, or trading it in for something cheaper and receiving a partial refund.
Please contact firstname.lastname@example.com to find out if your order is eligible for a "Field Destroy" replacement! Some brands are eligible, go to www.HeadlightRevolution.com/field-destroy for more information.
Definition of new, unaltered and unused condition is: *Without showing signs of wear or damage in any way. *Product must be in original, resalable packaging. *If an item has been installed, it is no longer new even if it was only installed for a short time.
NOTICE ABOUT REFUNDS: If the dollar amount of your return is $200 or greater we reserve the right to send you a check in the mail instead of a credit card refund. We do this because if we refund your credit card we will be charged again by the processing company another 2.5 - 5% depending on the type of credit card you used. It doesn't make sense for us to have to pay to send you your money back. A check in the mail is free. We hope you understand!
We listened to our customers' requests and decided to stop charging a 15% re-stocking fee. If you follow the above guidelines we will not charge a re-stocking fee. However, if you want to return a damaged, or used item for refund you may only receive a partial refund. Full refunds are only available on new, un-installed merchandise. If you install the product and decide you no longer want it, please do not send it back to us. Post it for sale used on eBay or a forum to help your fellow enthusiasts.
How can I get a replacement for something that failed?
Please troubleshoot by switching components from side-to-side to isolate the problem, individually such as just the bulbs, then just the ballasts, etc. Once you have clearly identified which component failed, please contact us by phone or email for the next step of warranty replacement. For lighting products only, the defective part is replaced. If an item is discontinued by the manufacturer, its warranty is not void, but the part will be replaced with that product's current equivalent. No refunds or credit will be issued in lieu of replacements. Some parts (such as OEM parts, JW Speaker parts, and Off-Road Lighting parts) may need to be returned to their manufacturer's warranty service center for testing before we can offer our customers a refund, replacement, or exchange.
ShippingUpon the arrival of your items, inspect everything thoroughly, even if packaging is intact, before signing the delivery receipt. If the box is damaged in any way, take photos and notate the damage when receiving the item. If you are unable to officially notate the damage with the shipping carrier at the time of delivery you must reject the package. If there is damage and you cannot reject the shipment, you need to call the shipping company. We here at TLG can not help you file a damage claim. It is up to the recipient to do so. When you call the shipping company (DHL, Spee Dee Delivery, USPS, Fedex…) they will walk you through a process of collecting insurance on the package. Once signed as undamaged, any freight damage claim is null and void and we can do nothing to help you. Additionally, please note that items cannot be insured for more than the stated value. If you need to process a damage claim, action must be taken within 72 hours of delivery. After 72 hours, refunds, reorders and claims cannot be processed. All shipped items are fully insured. TLG will not be held responsible for the outcome of the claim, although we will assist you to the furthest extent possible. We will do everything in our power to assist you if you happen to experience damage to a shipment from a third party, however TLG has no control over packaging, shipping or damage claims for any shipment sent by a third party to the customer. Shipping & Order Delivery Information Headlight Revolution is open 9-5pm CST Monday - Friday. We can ship until 2pm. Orders placed after 2pm cannot be shipped that same day. Cutoff time for 2-day shipping is 2pm CST. PLEASE NOTE: Just because you choose "next day air" doesn't mean you will necessarily have the package the next day. Sometimes there is a processing / wait time, before an item ships. If you're concerned about this, please contact us prior to ordering. We can be contacted by social media, email and phone All of our stores provide the same shipping options: USA Contiguous States: Flat Rate $9 UPS Ground (4-5 days) Free UPS Ground (4-5 days) on orders above $99* Live calculated rates for UPS 3rd Day Air and UPS Next-Day Air. Cutoff time for 2-day shipping is 2pm CST. *Some overweight, large items do not qualify for free shipping. Overweight items will receive live rates based on dimensions and weight. USA Hawaii and Alaska: Free UPS Standard Shipping on orders above $400. Live calculated rates for UPS Ground, UPS 3rd Day Air and UPS Next-day Air. USA Territories Guam, Puerto Rico, Northern Mariana Islands, and US Virgin Islands: Flat Rate UPS Standard: $40 Canada: Currently, due to the 2018 postal strike in Canada, USPS shipping to Cananda may be delayed and backed-up. $20 Flat Rate (plus surcharge): USPS Live calculated rates for UPS Standard and UPS Worldwide Express Saver 1-3 Business Days *Extra handling and duty fees will be charged to your account by UPS and USPS. Russian Federation: $140 Flat Rate UPS Worldwide Express Saver International / All Countries: Live Calculated Rates: UPS Worldwide Express Saver 1-3 Business Days All packages have insurance worth up to $100 automatically. Any shipment above $300 value will be insured for the actual value. Any shipments valued above $200 will automatically require a signature for delivery unless the recipient specifically requests otherwise. If a package has a signature required for delivery and you cannot be there to sign, please contact UPS and schedule a delivery at your convenience. Lost Packages: If you do not receive your package and the tracking information shows that the package has been delivered you must notify us within twenty-one days of the marked delivery date so that we can initiate a lost package tracer with the shipping carrier you have originally selected. Replacement products will not be sent until the shipping carrier completes the tracer request and grants permission for replacement product to be shipped. UPS typically requires up to eight business days from the time the claim is started. USPS can require from 30 to 90 business days, and this may vary depending on your country/destination. Please note that this is the policy of the shipping carriers and not of Top Line Group, LLC. TLG does not guarantee that any packages will be credited by the shipping carrier until this process is complete. Unless you selected the insurance option at checkout, refunds and/or replacements will not be given unless the carrier approves your lost package claim.
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HR Warranty
Product Warranty
All merchandise sold by Headlight Revolution are only subject to the manufacturer's warranty and conditions, if any. Processing of manufacturer warranty must be completed directly with the manufacturer and will be up to the decision of each product manufacturer. These manufacturer's warranties are subject to change at any time without notice and the information listed on this website store may not be up to date. If this is the case, only the actual manufacturer's listed warranty at the time of purchase will be honored if our store displays incorrect information. All merchandise is subject only to manufacturer warranty, TLG does not offer or imply any additional warranty on any products which we distribute outside of the manufacturer's policy for warranty. No labor, shipping, currency losses, fees or inconvenience may be included in any claims. All orders placed with Headlight Revolution and its affiliates (headlightrevolution.com, headlightsuperstore.com, blacktop.racing, and any other property) by phone, internet/web and e-mail constitute the acknowledgement and acceptance of all conditions listed on this page. If you have any questions or wish to clarify or dispute any of these policies this must be done in writing in advance of any order. These policies and procedures are subject to change at any time without notice.


text:
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New Season - Thrasher
£39.99 £29.99 (Save £10.00)
For more delivery information including international options click here
If you are not completely satisfied with your purchase, simply return the items to us in their original condition and packaging within 28 days of receipt of your order for either an exchange of product or a refund. Click here to see our full returns information
10th Mar, 2016
Simple well made product from manufacturer that cares about materials used and the environment.
What started out as a pin making business for rock climbers, Patagonia soon became one of the most sort after clothing brands for any outdoors activities. Ranging from backpacks to jackets and t-shirts to hats, Patagonia have some of the best clothing and accessories, made using eco-friendly methods and all backed by their ironclad guarantee. So whether you are off on holiday to the beach or the top of a mountain, there is sure to be something for you.View All Patagonia


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See what questions
a doctor would ask.
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One thing is obvious in the hundreds (thousands?) of posts about vs.net
and vb.net: there's more to the debate than purely technical
considerations. This is true for me, and I think it's true for many other
people here.
I'm going to explain why I think it's in My interest to go forward with
dotnet. I hope to see responses which explain why your perceived
interests lead you to the conclusion that vs.net is not a Good Thing[tm].
As one of the earliest component authors and president of a
long-established component vendor I have a serious and committed interest
in seeing the component market improve and grow. Having worked with .net
for some time now it's my experience that using .net I can write better
components in a shorter time than with any previous component platform.
If .net succeeds then I can provide better components to more people, and
make more money. That's an obvious reason why I support dotnet.
Related, but less obvious, is an issue of personal freedom and how I
perceive that MS has made it possible for me to live the kind of life I
want to live. MS has created an environment with countless thousands of
programming niches - viewing this from an ecosystem perspective - and
there have been tens (hundreds?) of thousands of people who have been
grabbed the opportunity to become their own bosses, or at least work in
association with a few people they enjoy working with. I work as much or
little as I choose, during whichever hours work best for me, and I do the
things my imagination (limited as it may be) conjure up as interesting and
potentially profitable.
To continue the ecosystem analogy I view it to be in my interest to
coevolve with MS - which now means adapting to and enhancing the .net
environment. I see no value in going with Sun and the other corporations
which - in my opinion - haven't provided anywhere near the opportunity for
people like you and me. And I resent their use of the federal government
to attempt to gain the upper hand in what should be a competitive
situation - which itself is a larger ecosystem with coevolutionary
So there are a few of the major ways in which I think it's in my interest
to jump on the .net bandwagon.
I'm particularly interested in hearing from those of you who argue against
the pain and expense which may be suffered by large corporations which
have a need to port exisiting VB6 apps to the .net platform. Don't forget
to describe why it is that you feel such pain for large corporations which
wouldn't hesitate a moment to hand you a pink-slip on christmas eve if
they thought it was in the self-interest of the management and/or
Ice Z - Straight Outta Redmond


text:
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Seeing how we are more or less starting from scratch here I though I'd start a new thread that hopefully will generate some activity and perhaps even spark some ideas
Anyway here's what we did.
Pulled from the new houseboat from water for a bottom paint and topside compound/wax.
We'll also take the old name off, rip the carpet out and getting ready for a bit of a refit..


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Java and Network Port Restrictions
I've recently run into issues running JavaDB or Apache Derby with the latest Java SE 1.6 and Java SE 7 updates and now with Java SE 8. The issue is related to the latest set of security enhancements made to Java via an update. In this case, the issue requires you to explicitly grant access to Derby to listen on port 1527. In fact, Oracle modified the permissions to not allow Java applications to bind to any ports outside of the ephemeral range of 49152-65535 unless you explicitly grant it. Therefore, this issue would occur for any application running with the latest JVMs that attempts to bind to a port outside of this range.
For Derby, the easiest way to allow it is to first locate the java.policy security policy file within the {JDK_HOME}/jre/lib/security directory, where {JDK_HOME} is the location you installed the JDK. Then, add the following very liberal entry (not recommended) for port 1527 to allow any Java application access to it, within the section of the file with other "grant" entries:
grant { permission java.net.SocketPermission "localhost:1527", "listen"; };
You can be even more liberal and allow all access via this grant entry:
grant { permission java.security.AllPermission; };
A safer entry would be to limit it to JavaDB or Derby only, and then only with the access it requires, via an entry similar to this:
grant codeBase "file:/Applications/NetBeans/glassfish/javadb/lib/*" { permission java.net.SocketPermission "localhost:1527", "listen,resolve"; };
You can read more about this security enhancement here. I hope this helps.
Happy Coding!


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Bachelors of business management
Management, like the bachelors of business management, always includes several stages. To get the result, you need to go through these stages.
Planning – the first stage of bachelors of business management.
In order to achieve something, first of all, it is necessary to formulate a goal and, secondly, to determine a plan for achieving this goal.
Organization – the second stage of bachelors of business management.
When the goal is formulated, you need to identify and implement activities through which you will achieve this goal and the steps of your plan.
Motivation – the third stage of the bachelors of business management.
Activities will be done with great energy only if you have a burning desire to achieve this goal and implement the steps of the plan.
Control – the fourth stage of bachelors of business management.
In the implementation of the planned steps of the plan, discipline is important. To do this, you just have to monitor the implementation of key milestones of the plan.
Know that management is a whole science. You have received basic knowledge of bachelors of business management. Now, if you do not feel yourself strong, you just need to turn to professionals.


text:
This is a postcard from my own collection – one I have recently bought. The view is of Keighley Road, Cowling, with the old Co-op building on the left hand side.
If you are a regular reader of my blog you might remember that the village of Cowling is an important part of my ancestral roots. The village falls under North Yorkshire County Council. But the Royal Mail post code is BD22 which means it is a North Yorkshire village with a West Yorkshire post code.
I prefer to think of it as being in West Yorkshire.
Anyway, I digress.
The postcard is part of The Wrench Series with the number 6679 and was printed in Saxony.
I understand the company was established as E Wrench in 1900 at 20 Haymarket, London, and soon moved to Arthur Street, London. It then became E Wrench Ltd in 1902. The company held a large percentage of the postcard market in the early 1900's. In 1904 the name changed to Wrench Postcards but they soon ran into difficulties and closed sometime between 1904 and 1906. The main problems appear to have been caused through exclusively selling its own cards.
The card has been postally used as you can see below.
It was posted in Cross Hills on 11 December 1903 and sent to Miss M H Smith at 19 Mosley Street, Nelson, Lancashire. The postcard was sent by someone described as her 'better haaf' with ten kisses.
I was interested to find out what became of Miss M H Smith so I checked the 1911 census and found her still living at 19 Mosley Street, Nelson. Her full name is Martha Hannah Smith and she is 25 years old, which means she was born about 1886. Her place of birth is given as Colne, Lancashire. The census shows her as being single and living with her parents Holmes and Betty Smith. Also at home are two siblings, a sister Sarah Jane aged 32 and a brother Albert Edward aged 18.
I was left wondering what happened between Martha and her 'better haaf'. I decided to do a bit more research.
I found a marriage for Martha H Smith in Q1 of 1916 in the Burnley registration district. She married Francis C Smith. So a good start, the marriage is in the right area at least.
I also found a death record for Martha H Smith in Q3 1966 in the Worth Valley registration district. She was 80 years old when she died – which means she was born in 1886. Could this be the same person I wondered.
Worth Valley district covers the town of Keighley which is not a million miles from Cowling, Colne and Nelson. It was common for people to move across the Lancashire / Yorkshire border – between Cowling and Colne – to live and to work.
So while I can't be 100% sure I really feel that this is the Miss M H Smith who received the postcard in 1903.


text:
In the previous two installments of this tutorial, I explained how to write and run a MapReduce job on a developer machine. In this final article in the series, I discuss higher-level query languages and examine what real-world Hadoop clusters and applications look like.
Beyond MapReduce
In Hadoop: Writing and Running Your First Project, I wrote a simple MapReduce program to analyze Google book data. Even though the analysis was simple, it required somewhat more than 50 lines of Java to implement the algorithm. By using a high-level language like Pig or Hive, I can achieve the same result with much less code.
Here is the Pig query that the equivalent of all that aforementioned Java code in four lines:
records = LOAD 'data' AS (word:chararray, year:int, count:int, pages:int, books:int); grouped_records = GROUP records BY word; counts = FOREACH grouped_records GENERATE group, SUM(records.count); DUMP counts;
Because Pig Latin (the language used to write Pig queries) is probably unfamiliar, let's go through this program line by line. The first line describes the input data we want to process. The
LOAD operator takes a filename or directory (
'data' refers to a directory here) and an optional
AS clause to name the fields in the input dataset, along with their types. The result of the
LOAD operator is a relation, which is a set of tuples. Pig programs are all about manipulating relations, and the language offers a variety of operators to transform relations in different ways.
The second line uses the
GROUP BY operator to group the input data by the
word field. The result of this step is a relation with one tuple per word in the input. Note that this relation is not necessarily materialized: Pig runs the program only when a
DUMP or
STORE statement is encountered, and then it has considerable leeway in how it chooses to produce the result.
On the third line, the grouped data is transformed to generate a set of tuples where the first field is the
word (the
group term refers to the grouping field
word) and the second field is the per-group sum of the
count field of the original records relation.
The final line runs the program and writes the result to the console. We can run the script as follows:
% pig pig/aggregate.pig (dobbs,42) (doctor,1214191)
Hive, which uses SQL for its query language, may be more familiar. Before we can run a query in Hive, we need to define the structure of the data using a schema. In contrast to relational databases, the schema does not need to be defined before the data is loaded. Hive uses the schema at read time (schema on read), not at data load time (schema on write). Here, I tell Hive about the data that already exists in HDFS, and what its schema is:
CREATE EXTERNAL TABLE words (word STRING, year INT, occurrences INT, pages INT, books INT) ROW FORMAT DELIMITED FIELDS TERMINATED BY '\t' LOCATION '/user/cloudera/data';
EXTERNAL modifier tells Hive that it shouldn't manage the data, so if you drop the table, it should not delete the data. Once Hive knows about the table, we can query it:
SELECT word, SUM(occurrences) FROM words GROUP BY word;
We can run the query as follows:
% hive -f hive/aggregate.sql dobbs 42 doctor 1214191
More Complex Queries
Consider the following Hive query to find the top 10 words of all time in the books dataset:
SELECT word, SUM(occurrences) AS occurrences FROM words GROUP BY word ORDER BY occurrences DESC LIMIT 10;
The query produces the correct answer, but the current implementation of Hive is less efficient than it could be. This is not a criticism of Hive, since many Hive queries are very well optimized and only expert MapReduce programmers would be able to match their performance. Instead, it is a reminder that the performance of even seemingly simple constructs is ever-changing, so as a programmer, it pays to understand how they are implemented.
In this case, the
ORDER BY followed by
LIMIT is implemented as a MapReduce job, but rather than limiting the output to the top 10 occurrences on the map and the reduce side, Hive sends the entire dataset through the shuffle and only applies the limit in the reducer. (Note: This is true in Hive 0.10.0, but the optimization will be included in later versions. See Top-K Optimization for more details.)
While it's possible to implement Top-K in MapReduce to take advantage of the optimization (see the code that accompanies this series for an implementation), Java programmers might consider looking at a higher-level library such as Cascading or Crunch. Let's have a look at the implementation of a top 10 search in Crunch.
The central data type in Crunch is a
PCollection<T>, which represents a distributed, unordered collection of elements of type
T. Think of it as a parallel version of
java.util.Collection<T> that is not materialized in memory; or as a Java equivalent of a Pig relation. We start our Crunch program by loading the input data:
PCollection<String> lines = readTextFile(args[0]);
which uses the
readTextFile() convenience function provided by
CrunchTool (which our class extends, the full source is shown in Listing One) to represent the input (specified by
args[0]) as a
PCollection of lines of type
Listing One: TopK.java
package com.tom_e_white.drdobbs.crunch; import org.apache.crunch.DoFn; import org.apache.crunch.Emitter; import org.apache.crunch.PCollection; import org.apache.crunch.PGroupedTable; import org.apache.crunch.PTable; import org.apache.crunch.Pair; import org.apache.crunch.fn.Aggregators; import org.apache.crunch.lib.Aggregate; import org.apache.crunch.types.avro.Avros; import org.apache.crunch.util.CrunchTool; import org.apache.hadoop.util.ToolRunner; import java.io.Serializable; public class TopK extends CrunchTool implements Serializable { @Override public int run(String[] args) throws Exception { int k = Integer.parseInt(args[2]); PCollection<String> lines = readTextFile(args[0]); PTable<String, Long> records = lines .parallelDo(new DoFn<String, Pair<String, Long>>() { @Override public void process(String line, Emitter<Pair<String, Long>> emitter) { String[] split = line.split("\t+"); String word = split[0]; long count = Long.parseLong(split[2]); emitter.emit(Pair.of(word, count)); } }, Avros.tableOf(Avros.strings(), Avros.longs())); PGroupedTable<String, Long> groupedRecords = records .groupByKey(); PTable<String, Long> counts = groupedRecords .combineValues(Aggregators.SUM_LONGS()); PTable<String, Long> topk = Aggregate.top(counts, k, true); writeTextFile(topk, args[1]); run(); return 0; } public static void main(String[] args) throws Exception { int rc = ToolRunner.run(new TopK(), args); System.exit(rc); } }
There are various operations you can perform on
PCollection. The one we are interested in here is
parallelDo(), which applies a function to every element in the collection and returns a new
PCollection, possibly of a different type. Let's map a
String to a
Pair<String, Long> (
Pair is a Crunch built-in type), parsing each line to extract the word and the number of occurrences, just like we did in the
ProjectionMapper in the previous installment in this series.
PTable<String, Long> records = lines .parallelDo(new DoFn<String, Pair<String, Long>>() { @Override public void process(String line, Emitter<Pair<String, Long>> emitter) { String[] split = line.split("\t+"); String word = split[0]; long count = Long.parseLong(split[2]); emitter.emit(Pair.of(word, count)); } }, Avros.tableOf(Avros.strings(), Avros.longs()));
The result is a
PTable<K, V>, a subtype of
PCollection that represents a distributed multi-map with keys of type
K and values of type
V. In this case, the return type is
PTable<String, Long>. The second argument to
parallelDo() specifies how the return type is serialized. In this example, I choose to use Avro as an intermediate storage representation: The declaration
Avros.tableOf(Avros.strings(), Avros.longs()) says we want a
PTable<String, Long>, rather than a
PCollection<Pair<String, Long>>. Both types are conceptually similar, but the reason we want a
PTable is that it provides a grouping operation, which I use next:
PGroupedTable<String, Long> groupedRecords = records.groupByKey();
This pattern should be familiar; it is the same operation as Pig's
GROUP BY. In Crunch, the return type is a
PGroupedTable, with the
combineValues() method for aggregating the grouped values, here just by summing:
PTable<String, Long> counts = groupedRecords .combineValues(Aggregators.SUM_LONGS());
The result so far is that of word count, a
PTable<String, Long> of words and their global counts over all years. To get the top 10 results, we use a Crunch library:
PTable<String, Long> topk = Aggregate.top(counts, k, true);


text:
Base salaries (but not total compensation) remained mostly flat for straight-ahead software developers and QA test engineers. Software engineers, however, saw an almost 3% increase slightly higher than inflation.
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da|ra

@type: Organization

description: Registration agency for social science and economic data

@type: Dataset

name: Research on Pathways to Desistance [Maricopa County, AZ and Philadelphia County, PA]: Official Arrest Records, 2000-2010 [Restricted]

name: Research on Pathways to Desistance Series

Mulvey, Edward P.

@type: Person

givenName: Edward P.

familyName: Mulvey

name: ICPSR - Interuniversity Consortium for Political and Social Research

English

@type: Language

@type: PropertyValue

propertyID: ICPSR Study Number

propertyID: da|ra

keywords:
arrest records
felony offenses
juvenile crime
juvenile offenders
misdemeanor offenses
property crimes
sex offenses
substance abuse
weapons offenses

@type: Place

Arizona

@type: PostalAddress

description: The Pathways to Desistance study was a multi-site study that followed 1,354 serious juvenile offenders from adolescence to young adulthood in two locales between the years 2000 and 2010. Enrolled into the study were adjudicated youths from the juvenile and adult court systems in Maricopa County (Phoenix), Arizona (N=654), and Philadelphia County, Pennsylvania (N=700). The official arrests records of all 1,354 youth were obtained from multiple sources. For arrest/petitions under the age of 18, this information is based on petitions appearing in the juvenile and adult court records in each site. In Philadelphia, this information was gathered based on a hand review of juvenile and adult court documents; in Phoenix, the information is based on reports from two computerized court tracking systems (JOLTS--Juvenile On-Line Tracking System for juvenile court information, ICIS--Maricopa County Superior Court database for adult court information). For arrests/petitions over 18, FBI arrest records are the source of information. There is no self-reported information contained in this set of data. Information from these different data sources is consolidated into the following categories: Information regarding petitions with a date that falls prior to the baseline interview date ("prior petitions").; Information regarding the study index petition (also called the "initial referring petition"; this is the adjudication that prompted study enrollment). Information regarding the study index petition can be found by accessing the "type" variable associated with the prior petitions (specific variable name: Official Record Prior PetitionXX: Petition type). Depending on the investigator's needs, this petition can remain combined with the "priors" or be used as a stand-alone petition.; Information regarding arrests and court petitions with a date which falls after the baseline interview date in the Pathways study ("rearrests").;

description: There are essentially 11 variables associated with each prior and rearrest petition/arrest: Petition type (prior, initial referring or rearrest); Source of information (court records or FBI); Text description of the most serious charge on the petition/arrest; The offense grade for the most serious charge; A severity ranking for the charge ; Person crime (e.g., aggravated assault, murder); Property crime (e.g., robbery, receiving stolen property); Weapons offense (e.g., possession of an unlicensed firearm; Sex offense (e.g., rape, involuntary deviant sexual intercourse); Drug offense (e.g., possession of a controlled substance with intent to delivery); Substance use (e.g., drug paraphernalia, possession); These last six variables are binary markers (Yes/No) to show what other charges appear on the petition/arrest record. They were provided since specific charge information is only available for the charge with the highest severity. The 11 variables noted above repeat for the maximum number of prior petitions (max=15) and rearrests (max=24) for the study participants. Most study participants won't have data in all fields since the majority do not reach the maximum. The average number of prior petitions is three and the average number of rearrests is four; therefore, information in variables associated with priors and rearrests above those numbers will be set to missing for the majority of cases. Several additional variables related to the study index petition are available. The study enrollment criteria specified that participants must have been adjudicated (found guilty) for a serious charge (not just charged with one). As a result, for the study index petition, a text description of the most serious adjudicated charge is provided as well as the grade and category for that charge. In some, but not all, cases, the most serious adjudicated charge will be the same as the charge with the highest severity ranking. Information regarding the disposition related to the study index petition is also provided. The file ends with a series of variables that provide the number of arrests that occurred in equal 6 month intervals through the end of the 84-month follow-up period for the study. For waves 1-6 (6-36 months), these intervals match the period of time included in the self report interview information. However, for waves 7-10, the interview recall period was 12 months in length and, therefore, the counts of official record arrests will need to be combined if the investigator wishes to align this data with the self report information. For example, in order to line up with the interview recall period represented in wave 7, the official record number of arrests for 36-42 and 42-48 will need to be combined. In order to line up the self report information for wave 8, the arrest counts for 48-54 and 54-60 will need to be combined.

description:
record abstracts

More information about the Pathways series is available on the Pathways to Desistance Web site.For information specifically concerning Official Arrest Records view its codebook page on the Pathways Web site.

Other contributors to the Pathways to Desistance study: Carol A. Schubert, University of Pittsburgh (Study Director); Laurie Chassin, Ph.D., Arizona State University (Co-Investigator); George P. Knight, Ph.D., Arizona State University (Co-Investigator); Sandra Losoya, Ph.D., Arizona State University (Site Coordinator); Laurence Steinberg, Ph.D., Temple University (Co-Investigator); Robert Brame, Ph.D., University of North Carolina-Charlotte; Elizabeth Cauffman, Ph.D., University of California-Irvine (Co-Investigator); Jeffrey Fagan, Ph.D., Columbia University; Alex Piquero, Ph.D., Florida State University;

There are multiple ID variables in the dataset serving different purposes. LINEID: A variable to order the dataset and return the file to its original order.; CASEID: The subject's assigned ID number used throughout the Pathways studies.;

description: 2014-07-24 The Principal Investigator provided updated data for the variable IR_DISPOSITION_RECODE.2014-02-06 The Principal Investigator added a new variable (IR_COURT) and recoded one existing variable (REARREST_NREARRESTS). Funding insitution(s): Arizona Governor's Justice Commission (JBISA01224400). John D. and Catherine T. MacArthur Foundation. Pennsylvania Commission on Crime and Delinquency (2001-J05-011944, 2002-J04-13032, 2003-J04-14560, 2004-J04-15849, 2005-J04-17071, 2006-J04-18272). Robert Wood Johnson Foundation (043357). United States Department of Health and Human Services. Centers for Disease Control and Prevention. United States Department of Health and Human Services. National Institutes of Health. National Institute on Drug Abuse (R01 DA019697 01 - 05). United States Department of Justice. Office of Justice Programs. National Institute of Justice (1999-IJ-CX-0053, 2008-IJ-CX-0023). United States Department of Justice. Office of Justice Programs. Office of Juvenile Justice and Delinquency Prevention (2000-MU-MU-0007, 2005-JK-FX-K001, 2007-MU-FX-0002). William Penn Foundation. William T. Grant Foundation (99-2009-099).


text:
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text:
Soft Radio
I've been playing with a $20 USB TV adapter that can work as a software-defined radio (if you missed the description of it, read this). The EZTV-668 is actually made to receive television, but with some software it can receive a large chunk of the VHF and UHF bands.
Of course, that's the problem. What do you use for the software? GNU Radio is perfect but you have to know how to use it. Although GNU Radio uses C++ and Python, you don't need to know much of either to do a lot with it — especially if you use the graphical GNU Radio Companion. You do, however, have to know a little bit about radio.
To avoid that, the last few times I concentrated on using GNU Radio with just the computer's sound card. It hardly deserves the name GNU "Radio" in that case, but it does a fine job of audio processing nonetheless.
This time, however, I'm ready to get the radio part working. You'll need the hardware to follow along, in addition to the software setup from http://sdr.osmocom.org/trac/wiki/rtl-sdr. You might consider testing with SDR# (a .NET program that will run on Windows or under Mono on Linux) just to make sure everything is working.
Take a look at the flowgraph in Figure 1 below. This is more complicated than the earlier ones, but only a little. You still have the main block and the
samp_rate variable block. You also have an audio sink (the sound card). You've seen the WX GUI slider boxes before and even the WX GUI FFT Sink — those appeared in the audio examples from last time. You can download the flowgraph here.
The new blocks, of course, are where the action is. If you notice, the ports on several of the new boxes are blue. This indicates the data is complex (that is a real and imaginary part) instead of the orange float data (audio). If you are a signal-processing guru, the complex data represents the I and Q of the signal.
The first block of interest is the OsmoSDR Source. That is one of the blocks that knows how to communicate with the USB radio. In the figure, you can see the sample rate is set to 2.048MHz and the frequency is set to 107.5 MHz (a local radio station).
Keep in mind that some of the settings are actually set by sliders, and the number is just the current setting. For example, the frequency is set by the frequency slider (not surprisingly). You can see a screenshot of the final user interface below.
After the source is a low-pass filter to reject any high-frequency noise. This is similar to the bandpass filter I used last time except it passes all frequencies lower than the threshold (125 kHz in this case). One thing new here is the filter is decimating the signal (that is, reducing the sampling rate. In particular, there is no reason to decode the FM signal at a high sample rate (yet, the receiver works best at that rate). By specifying 8 as the decimation number the output of the filter will be at a lower sample rate (2.048 MHz/8, as you might guess, or 256 kHz).
That explains the FM Demod block having its rate set to 256k. This block converts the radio signal into audio (note the blue input and the orange output). The deviation is set for a broadcast FM station (a two-way radio would be much narrower) and there are some audio parameters as well. The audio rate is decimated by 4, which produces a 64 kHz audio sampling rate.
The sound card isn't going to appreciate 64 kHz data. The Rational Resampler block converts the sample rate easily. The key is the ratio between the decimation and the interpolation. You can see the output will be 48 kHz for a 64 kHz input and that's what the audio sink uses.
Although the flowgraph looks complex, it isn't much different from the earlier examples. It just has the radio source and, of course, a demodulator. If you browse the examples included with GNU Radio, there are examples of decoding different things including AM radio, digital pagers, and many other types of radio signals.
There's lots more you can do with GNU Radio including writing your own code in Python or C. However, I think I've had enough radio fun for awhile. If you've ever had an interest in software defined radio, it is hard to imagine you'll ever find a less expensive way to get started with it. Granted, the included antenna isn't much and the performance of the receiver is not spectacular, but for $20 or $30, how can you complain?


text:
The nation's top financial regulators will testify before the Senate Banking Committee on Thursday regarding the progress of the Dodd-Frank Wall Street Reform and Consumer Protection Act.
The hearing, titled "Wall Street Reform: Oversight of Financial Stability and Consumer and Investor Protections," will include testimony from interim Securities and Exchange Commission Chairwoman Elisse Walter; Richard Cordray, director of the Consumer Financial Protection Bureau; Gary Gensler, chairman of the Commodity Futures Trading Commission; Tom Curry, comptroller of the Office of the Comptroller of the Currency, Marin Gruenberg, chairman of the Federal Deposit Insurance Corp.; Mary Miller, Treasury's Under Secretary for Domestic Finance; and Daniel Tarullo, the Federal Reserve Board's governor.
Walter said in mid-January that rules mandated by Dodd-Frank and the JOBS Act would be at the "top" of the SEC's to-do list this year.
The law firm Davis Polk released its Dodd-Frank progress report in late January, finding that a total of 42 Dodd-Frank rulemaking requirement deadlines passed that month and 12 rulemaking requirements were met with finalized rules. No new rules that would meet rulemaking requirements were proposed.
Rulemaking activity in January included the CFPB final rules on qualified mortgage standards, mortgage servicing and loan originator compensation. The CFPB, FDIC, Federal Reserve, FHFA, NCUA and OCC released a joint final rule that established new appraisal requirements for higher-priced mortgage loans.
As of Feb. 1, a total of 279 Dodd-Frank rulemaking requirement deadlines have passed, the law firm said. Of these passed deadlines, 176 (63.1 percent) have been missed and 103 (36.9 percent) have been met with finalized rules.
In addition, 148 (37.2 percent) of the 398 total required rulemakings have been finalized, while 129 (32.4 percent) rulemaking requirements have not yet been proposed, the law firm noted.
See also:
Insurers continue meeting with Feds over capital standards


text:
Current Publication:
Oral & Craniofacial Tissue Engineering
Winter 2012
2 , Issue
Editorial: Ockham�s Razor and CD34+
Ole T. Jensen, DDS, MS
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