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A California court's approval last week of the city of Stockton's bankruptcy protection sets up a battle between Wall Street investors and the state's pension giant, CalPERS, over whether pensions of municipal workers must share the pain.
Stockton, California's 13th largest city, has so far not planned on reducing pension contributions, which CalPERS argues is barred by state law.
But bond insurers and investors such as the Franklin California High Yield Municipal Fund, who will be forced to take a haircut, argue that federal bankruptcy laws trump state laws and that CalPERS and city employees must share in the plan to resolve Stockton's debts.
How much protection the law affords pensioners remains to be seen as the case advances through the court system. But for a broader look at the municipal finance crisis affecting California and the nation, AdvisorOne spoke with Bill Watkins, below right, a veteran economic forecaster specializing in the U.S., California and Oregon economies, and executive director of the Center for Economic Research and Forecasting (CERF). The institution is based at California Lutheran University in Thousand Oaks, Calif.
AdvisorOne: What has caused Stockton's crisis?
Watkins: The proximate cause was the crash of the housing market and fall-off of revenue. That was preceded by aggressive spending by the city and the pension problems that most cities across California face.
Are pension payouts indeed contractual and unalterable?
It looks like CalPERS won the first round. [Editor's note: The federal bankruptcy judge ruled a decision on that matter would come at a later phase of the city's bankruptcy administration.]
I'd expect the other creditors to push for having CalPERS take a share in the loss. You'd have to talk with a bankruptcy lawyer, but it seems there are all sorts of contracts that are annulled in bankruptcy court.
On what have Stockton and cities like it spent aggressively?
You can't be elected to be a city councilman without the support of police and fire. Police and fire [crews] often have attractive contracts.
What other California municipalities are vulnerable to bankruptcy?
San Bernardino, of course. Fresno is also a possibility. A year ago, even Los Angeles city officials were talking about bankruptcy but stopped doing so before last month's municipal elections.
Every major city in California has challenges, partly because of pensions, and partly because ever since Prop 13 when the state took over redistributing property tax revenues, the state has managed to shove a large part of that to local governments — cities, counties and special districts.
Local governments have seen the biggest decrease in government employees, and this is where most government services are actually delivered.
Are there any positives for California's economy?
California's tech sector is an amazing thing. Right now, if you compare the jobs we have today with what we had before the recession, San Francisco and San Mateo counties have more jobs than before the recession.
The state has 96 percent of the jobs it had before the recession; its job strength is mostly derived from the tech sector.
Also, I'm a little bit impressed that California's Gov. Jerry Brown has gotten us to a place where we have a state surplus. That's a big improvement from a few years ago.
Your center also makes national economic forecasts. How's the U.S. economy been doing?
Over the past four years, we've been among the least optimistic about the United States and we've been mostly right. In 2008, when Lehman Brothers collapsed, much of the debate concerned whether there'd be a V-shaped recovery [and when that would take place]. We said right away, this is a regime shift — like a bank run. Just a rumor of a [large-scale] bank run is enough to crash the economy.
We saw a bank run on the whole financial system. We lost a huge amount of net worth, but the liabilities didn't change. I think the recovery is still slower than it needs to be.
Why has the recovery been so slow?
Part of it is that the regulatory environment has been increasingly onerous and that biases the economy toward big business against small business. Small-business people own a lot of real estate compared to the average American, so their balance sheet has been more affected than the average American.
Home ownership at 69 percent before the recession was too high. The government, by fighting foreclosures, was slowing down the process [of correction].
Should bond investors be shunning California municipal bonds?
It depends on a person's risk-return profile. We're going to see more cities have trouble. There are going to be more defaults.
What are the chances of a large-scale crisis of the sort foreseen by Meredith Whitney?
I wouldn't say it's the most probable, but [such an eventuality] would probably be associated with the Eurozone. The possibility exists.
What's the connection between the Eurozone and California?
Because the financial system in the world has gone through one big shock [from which] we've not recovered. Another big shock is going to [destabilize] the world financial system. California is already weak, and a [Eurozone crisis] would cause a big recession again.More on AdvisorOne:
- 4 Strikes Against Municipal Bonds
- 6 U.S. Cities That Fell Off the Fiscal Cliff—and Survived
- 6 U.S. Cities on the Edge of a Fiscal Cliff
More Lifehealthpro:


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Bouncing back from the Great Recession, advisory firms have returned to growth mode. While the turnabout is a welcome one, few firms are growing in a manner that is sustainable. Of those firms that participated in our fourth annual industry study, "The 2012 FA Insight Study of Advisory Firms: Growth by Design," the vast majority (85%) reported achieving significant growth in recent years. About three-quarters of these growing firms, however, also reported some type of negative impact as a result of growth.
As noted in our previous article (see "Growth Gone Wild," Investment Advisor, January 2013), common side effects associated with growth tend to be related to people. Providing clear career paths becomes more challenging, dependency on key individuals increases and staff become overworked and stressed. Additionally, growth frequently stresses a firm's technology and operational infrastructure.
The remaining one-quarter of firms with significant growth somehow escaped any negative consequences. A deeper analysis of these firms reveals that their ability to grow in a sustainable manner was hardly by chance. In the 2012 FA Insight study, we separated this group of "sustainable-growth" firms from those that had experienced challenges with growth. This latter group was deemed "growth-at-risk."
The differences between the two groups were striking and offer important lessons for firms seeking higher quality growth and thereby greater enterprise value. In this article, the third in the 2012 "Growth by Design" series, we explore these differences and highlight the best practices that they reveal.
Economic Advantage
The fact that managed growth clearly pays is perhaps the most important revelation from comparing how firms grow. Intuitively this finding makes sense as the ability to sustain growth in income is a hallmark of a valuable firm. In contrast, value is put at risk for those firms that achieve growth at the expense of weakening their operational infrastructure, failing to fully deliver client service or burning out team members.
Study data also demonstrate clear economic advantages. In terms of annual revenue, service offerings and number of staff and clients, the typical sustainable-growth firm was roughly identical to its growth-at-risk peer. Even growth rates were about the same. Despite these similarities, sustainable-growth firms achieved significantly better financial results. As Figure 1 illustrates, the typical sustainable-growth firm was better able to convert revenue to owner income and manage overhead expenses, which resulted in a substantially higher operating profit margin.
Distinguishing Business Practices
Sustainable growth clearly has its rewards, but how is it achieved? Why is one firm able to grow trouble-free while the other faces challenges? As is frequently the case any time we have examined a group of better-performing firms, the answer lies in how resources are deployed—not how much.
At the highest level, sustainable-growth firms are distinguished by their discipline in business planning and management. In particular, sustainable-growth firms outshine their peers in three key areas: target client focus, workflow processes and the application of technology.
Client-Centric Focus is Key
Better firms understand the type of client they are best suited to serve and tailor the client experience in a way that resonates with this target client. This is true of the sustainable-growth firm as well. This client-centric approach supports greater marketing success, more operational efficiency, better productivity, more satisfied clients and ultimately greater profitability.
Relative to their peers, the sustainable-growth firm is far more likely to have a defined target market and is also more likely to implement a minimum fee in order to cover the fixed costs related to onboarding and ongoing service (Figure 2).
A clear focus on the target client forms a foundation for firms to develop a client value proposition, which is critical for effectively attracting and retaining clients. Here again, sustainable-growth firms not only have a greater tendency to develop a client value proposition, but chances are greater that all staff members understand the value proposition and that it is consistently implemented with all clients. Nearly every sustainable-growth firm (97%) reports its client value proposition is consistently implemented with clients, compared with 80% of growth-at-risk firms.
Adherence to a target client and effective implementation of a value proposition produces a powerful combination for sustainable-growth firms to defend against growth's negative impacts. Their discipline in adhering to client acceptance and servicing standards limits exceptions that lead to inefficiencies and cost "blowout."
Processes are Priority
Among other benefits, a stricter focus on serving a target client contributes to efficiencies as there are fewer workflow exceptions necessary. When similar clients can be serviced in similar ways, resource-consuming exceptions are avoided.
Sustainable-growth firms gain further advantage, however, by exercising strict management and oversight of key processes. Perhaps in no other area do sustainable-growth firms outshine their peers more. How work gets done is clearly a priority with sustainable-growth firms. Relative to growth-at-risk firms, sustainable-growth firms are far more likely to have well-documented business-to-client processes. What's more, staff members are more likely to be aware of, and understand, this documentation (Figure 3).
Further, a sustainable-growth firm relative to a growth-at-risk firm is nearly three times as likely to proactively review the effectiveness and efficiency of processes on an ongoing basis. They are also more likely to have designated a team member responsible for overseeing processes, including development, implementation and management of processes. Better management of processes, combined with a target client focus, results in sustainable-growth firms being more than twice as likely to consistently implement processes relative to their peers.
Higher Return From Technology
Another key distinction for the sustainable-growth firm is a more disciplined approach toward technology. While average technology spending as a percentage of revenue is nearly identical for sustainable-growth firms relative to growth-at-risk firms, sustainable-growth firms tend to have practices in place that enable a higher yield from a similar level of investment.
Those firms achieving sustainable growth are over 50% more likely to utilize their technology in ways that fully support workflow processes. Aligned with their forward-thinking approach to process evaluation and improvement, they are more likely to set annual technology budgets for new investments and have a consistent procedure in place for technology evaluation. Their discipline with technology investment leads to the greater likelihood that sustainable-growth firms report more tightly integrated technology components within their operations. Finally, sustainable-growth firms get more out of their technology by demonstrating a much greater propensity for providing adequate technology training for staff, ensuring that all staff members understand technology systems and are using them effectively.
Greater Productivity
A tight focus on target clients, strong process management practices and an ability to get more out of technology are characteristics of sustainable-growth firms. These practices lead to a higher quality of growth as well as greater efficiency and more productive team members. Professionals working in sustainable-growth firms, relative to growth-at-risk firms, are 18% more productive in terms of revenue per full-time employee (FTE) and 32% more productive in terms of assets managed per FTE (Figure 4).
This edge in productivity is not a result of overworked professionals, but likely a result of a greater ability to focus on clients and prospects. Despite the higher productivity measures, sustainable-growth firms were less likely to report that their professionals were "over capacity." Driving the productivity advantage is the fact that professionals working for sustainable-growth firms dedicate 63% of their time to client-facing or revenue-generating activity compared with 50% for growth-at-risk firms.
Quality of Growth Trumps Quantity
Good things can happen when firms grow, but it is important to realize that growth can be counterproductive as well. Quantity or pace of growth will not necessarily build value in a firm. Quality growth that is controlled and sustainable will build value.
Sustainable growth, and the long-term success that accompanies it, requires a business discipline that fosters growth while insulating the firm from growth's negative impacts. This discipline starts with consistently delivering value to a targeted client base and extends to active management of processes and technology in order to achieve the most with finite resources. The result is a defense against the unpleasant side effects of growth and a firm that is well-positioned to take full advantage of increasing scale to build shareholder value.

subset: commoncrawl


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Wild Turkey, tom (gb-19web)
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Samsung Galaxy SIII users on Verizon Wireless, good news is headed your way. The handset will receive the long-overdue Android 4.1 Jelly Bean update starting tomorrow. This update includes features such as new camera options, Google Now, and a new notification panel that will enable users to call or e-mail from the pull-down shade rather than navigating to a new application.
The software update will also include enhancements to both the Swype keyboard and Samsung's S Voice, the manufacturer's proprietary voice search service. Widgets will be resizable and easier to maneuver, and Google Maps will support "voice typing" to let users search for a location by voice. It's interesting to note that Verizon is touting the Galaxy SIII's ability to finally participate in ISIS, the mobile payment service which is currently only available in Austin and Salt Lake City. The service allows users to use their phones for mobile payments, which is very similar to what Google Wallet offers on Android through NFC.
The Jelly Bean update already hit Samsung handsets at a variety of other carriers, including Sprint and users with the international version. It's still unclear whether the Verizon update will include some of the Galaxy SIII "premium" features Samsung showed off last week. We'll have more details for you as the update hits our devices.


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Kia Rio5 Car Wash at Kia of Streetsboro near North Royalton 44133
Regular car washes will keep your Kia Rio5 looking brand-new. Many elements contribute to a dirty exterior. Emissions in the environment as well as dirt and mud can keep your car from looking shiny and new. Contaminants can potentially eat away at paint and sometimes metal, so it is important to bring your Kia Rio5 in for a regular car wash to Kia of Streetsboro near North Royalton 44133.
When you bring your Kia Rio5 in for a car wash at Kia of Streetsboro, your vehicle will be treated to a thorough wash, rinse, and shine. If your car builds up a layer of dirt and grime, both on the exterior and the windows, it can cause corrosion and cloud your visibility for the road ahead. A car wash at Kia of Streetsboro will ensure that your Kia Rio5 is spotless and your windshield is clear for a safe driving experience.
Here at Kia of Streetsboro, we also offer optional add-ons with your car wash such as car wax. Waxing protects your Kia Rio5 from pollution and contaminants, as it provides a sacrificial layer on top of your car's clear coat, so when you remove dirt, you are not rubbing directly on the paint. Our Kia of Streetsboro team will treat your car how you want it to be treated, with the utmost care and precision. We have the right materials to leave your Kia Rio5 shiny and clean with a car wash at Kia of Streetsboro near North Royalton 44133.
Our car wash team here at Kia of Streetsboro is not only trustworthy and meticulous, but also will also take care of your Kia Rio5 like it's their very own. Along with your car wash, we will also vacuum your car's interior and clean the dashboard and console. We also treat leather interiors with the right cleaning agents for a pristine finish. You'll notice the difference right away with the Kia of Streetsboro near North Royalton 44133 car wash team.
When you bring your car in for a wash at Kia of Streetsboro near North Royalton 44133, you can be in and out in no time. We service your Kia Rio5 as quickly as possible, without compromising quality. Our car washes include an exterior cleanse, interior vacuuming and cleaning, carpet shampooing, waxing, and, if needed, leather conditioning. The Kia of Streetsboro car wash team gives your car the attention it needs, both inside and out. Schedule a service appointment today for your Kia Rio5 car wash at Kia of Streetsboro near North Royalton 44133.


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Solution To Delete UP2NEWS1.COM from Internet Explorer
These browsers are also infected by UP2NEWS1.COM
|Mozilla Versions
|Mozilla:47.0.1, Mozilla Firefox:47.0.2, Mozilla Firefox:43.0.1, Mozilla:40, Mozilla:46, Mozilla Firefox:51, Mozilla:51.0.1, Mozilla:45.0.2, Mozilla:45.5.1, Mozilla Firefox:40.0.3, Mozilla:45.0.1, Mozilla:43.0.1
|Internet Explorer Versions
|IE 8:8.00.6001.18241, Internet Explorer 8-8.00.6001.17184, Internet Explorer 7-7.00.6000.16386, Internet Explorer 9-9.0.8080.16413, Internet Explorer 7-7.00.5730.1300
|Chrome Versions
|Chrome 53.0.2785, Chrome 56.0.2924, Chrome 58.0.3026.0, Chrome 54.0.2840, Chrome 57.0.2987, Chrome 52.0.2743, Chrome 49.0.2623, Chrome 51.0.2704, Chrome 55.0.2883, Chrome 48.0.2564
Remove UP2NEWS1.COM : Step By Step Removal Solution
This post will introduce you actually what is UP2NEWS1.COM and how can you Remove it easily and Instantly. Keep reading this post and follow the removal solution as in exact order.
Facts Worth To Know About UP2NEWS1.COM
UP2NEWS1.COM is one of the worst Computer threat that leads to corruption or loss of data. It secretly invade inside the PC and capable enough to make System full of advertisements. This type of System infection has been created by team of cyber hackers along with the sole intention to trap innocent user by displaying endless ads and steal their all sensitive data by recording their online behavior. Once activated, it will perform series of malevolent activities and causes lots of serious troubles to you. This infection is also created along with devastating intention to make your PC vulnerable. That's why, it is highly advised to take an immediate action to Remove UP2NEWS1.COM from your compromised PC ASAP.
Know how UP2NEWS1.COM gets on your PC?
The penetration of UP2NEWS1.COM depends on the care of System users. Most of the cases, it travels along with the bundled of other cost free applications and shareware programs that PC user downloaded from the free sites. Some cost free applications adequately do not disclose about the installation of other cost free programs. Beside this, it can also be lurks inside your PC via spam campaigns, torrent files, pornographic content, gambling sites, infected removable devices, file sharing network and much more.
Simple Steps To Avoid The Installation of UP2NEWS1.COM From PC?
- Always select Custom/Advanced installation mode instead of Typical/Default ones.
- Accept Software license completely before installing any cost free application.
- Keep a backup copy of your stored data.
- Install a trusted anti-virus program and scan your PC on regular basis.
- Do not open any spam emails or attachments.
- Scan your removable devices each time before using them and much more.
What are the nasty issues caused by UP2NEWS1.COM on PC
- Modifies registry entries to cause the voluntary execution along with System start-up.
- Delete or removes crucial System files without any notification.
- Locks your PC files and makes them inaccessible.
- Filled up your entire PC screen with endless pop-up ads and links.
- Replaces your default search engine and cause web redirection issue.
- Makes your PC performance speed much slower than before by consuming up more memory space and resources.
Other Reference sites
|Uninstall UP2NEWS1.COM from Windows 2000
|Steps To Get Rid Of UP2NEWS1.COM from Chrome
|Deleting UP2NEWS1.COM Instantly
|Uninstall UP2NEWS1.COM In Simple Steps
Click Here To Download UP2NEWS1.COM Free Scanner
Simple Steps To Remove UP2NEWS1.COM Safely From Affected PC
Solution 1: Boot Windows 8 in Safe Mode To Fix UP2NEWS1.COM
Solution 2: Remove Unwanted Processes of UP2NEWS1.COM From Task Manager
Solution 3: Fix UP2NEWS1.COM From Control Panel of PC
Solution 4: Remove Malicious Registry Entries Created by UP2NEWS1.COM
Solution 5: Simple Steps To Fix UP2NEWS1.COM From Internet Explorer
Solution 6: Reset Internet Explorer Settings to Its Default For UP2NEWS1.COM Removal
Solution 1: Boot Windows 8 in Safe Mode To Fix UP2NEWS1.COM
For Windows XP/ Vista or Windows 7
After restarting your PC, continuously press "F8" key.
Choose "Safe Mode with Networking" from the displayed options.
Now, search for UP2NEWS1.COM and Fix it Instantly from the system.
For Windows 8 or Windows 8.1
Click on Start button and select Control Panel.
Go to System and Security >> Administrative Tools >> System Configuration.
Check the option "Safe Boot" and click on "OK" button. Then after, tap on "Restart" when asked.
After rebooting Windows 8 / 8.1 in Safe Mode, find and Remove UP2NEWS1.COM from PC as soon as possible.
For Windows 10
Open "Start" menu and click on "Power" button.
Tap on "Restart" button while keeping the "Shift" key pressed.
Now, detect and Remove UP2NEWS1.COM Possible Steps For from your infected machine.
Solution 2: Remove Unwanted Processes of UP2NEWS1.COM From Task Manager
You need to click "Ctrl+Shift+ESC" altogether to open Windows Task Manager.
Now click on "Processes" and you will find several unknown processes running onto your Task Manager.
Identify and unwanted processes of UP2NEWS1.COM and click on "End Process" button.
Solution 3: Fix UP2NEWS1.COM From Control Panel of PC
Open "Run" command by pressing "Win + R" key together.
Type "Control Panel" in the Run box and hit "Enter" button.
Now, go to "Programs" category and click on "Uninstall a Program" option.
Find and select suspicious programs related to UP2NEWS1.COM and tap on "Uninstall" button immediately.
Solution 4: Remove Malicious Registry Entries Created by UP2NEWS1.COM
To open the "Run" box, press "Win + R" keys together.
Type "regedit" inside the box and tap on "OK" button.
Then after, select and Fix UP2NEWS1.COM related malicious registry entries as quickly as possible.
Solution 5: Simple Steps To Fix UP2NEWS1.COM From Internet Explorer
UP2NEWS1.COM Removal From Chrome 49.0.2623
Open Chrome browser and tap on "Menu" option.
Click on "More Tools" and select "Extensions".
From the appeared dialog box, find UP2NEWS1.COM associated extensions and tap on "Trash" icon.
Finally, just tap on "Remove" button on the confirmation dialog box.
Remove UP2NEWS1.COM From IE 10:10.0.8250.00000
Open and IE and click on icon from the desktop.
Tap on "Tools" menu and choose "Manage Add-ons" option.
Now, select Toolbars and extension tab. Find UP2NEWS1.COM related add-ons and click on "Disable" button.
Removal of UP2NEWS1.COM From Mozilla:43.0.4
Open Firefox and go to "Menu" button, then tap on "Add-ons" option.
Now, select "Extensions" or "Appearance" Panel.
Identify bogus extensions associated with UP2NEWS1.COM and click on "Remove" button.
Removing UP2NEWS1.COM From Microsoft Edge
It is very important to know that MS Edge doesn't support extensions. Hence, you are strongly advised to reset the homepage of your browser to get rid of UP2NEWS1.COM.
Open Edge, click on More(…) option and then tap on "Settings".
Select "A specific page or pages" option and choose desired homepage from the drop-down list.
Solution 6: Reset Internet Explorer Settings to Its Default For UP2NEWS1.COM Removal
Reset IE 10:10.0.8250.00000 To Remove UP2NEWS1.COM
Open IE, click on Tools menu and select "Internet options".
Tap on the "Advanced Tab" and click on "Reset" button.
Check "Delete Personal Settings" option and hit "Reset" button.
Now, click on "Close" button and restart IE. Then after, you will find the complete Removal of UP2NEWS1.COM.
UP2NEWS1.COM Removal After Resetting Chrome 49.0.2623
Open Google Chrome , click on "Chrome menu" and select "Settings" option.
Type "Reset" in the search box and tap on "Reset" button.
- After resetting Chrome 49.0.2623, UP2NEWS1.COM will be removed Instantly.
Reset Microsoft Edge For Removing UP2NEWS1.COM
- Open MS Edge, click on More(…) and select "Settings" option.
- Under "Advanced settings" option, click on "View advanced settings".
- From the "Search in the address bar with" option, tap on "<Add new>".
- Now, enter your desired search engine URL and then click on "Add as default" option.
Resetting Mozilla:43.0.4 For UP2NEWS1.COM Removal
Open Mozilla Firefox, click on Firefox menu >> select "Help" option and click on "Troubleshooting Information".
Tap on "Refresh Firefox" from the top of the page.
In the appeared dialog box, click "Refresh Firefox" button.
UP2NEWS1.COM will be removed Possible Steps For after resetting Mozilla:43.0.4.


text:
Embraer 120 Brasilia
One in the wide range of aircraft types available through Air Broker Center
Payload up to: 3,5 metric tons
Sample of aircraft interior layout
Click here if you are missing navigation panel to the left!
Send mail to email@example.com with questions or comments about this web site.
Copyright © 2009 Air Broker Center International AB


text:
© 1994-2020 FBRL Services/Barbara C. French. All content unless credited otherwise, as well as all compilation of data, is the copyrighted property of FBRL Services and may not be taken, copied, distributed, displayed, or otherwise used without express, advance, written permission from the site owner. This includes but is not limited to use of any site data and cattery information to duplicate listings, compile mailing or other contact lists, or solicit listed breeders for any commercial purpose. All photographic illustration elements are legally licensed to FBRL Services and remain the copyrighted property of Richard Katris of Chanan Photography; images may not be used without the express written permission of Chanan Photography. All photographs attached to individual cattery advertisements are the copyrighted property of their respective photographers and may not be used without permission from that photographer. Refer to FBRL's Copyright Statement for more information.
| copyright statement | terms of service | privacy statement | contact the FBRL |


text:
Your daily news briefing, with the video of the day, top news and quote of the day.
News to know
Court documents that had been previously sealed indicated Friday that in 1999, a Colorado grand jury had voted to indict the parents of murdered beauty pageant star JonBenet Ramsey. The district attorney that year had decided not to file charges against John and Patricia Ramsey in the death of their 6-year-old, per lack of sufficient evidence.
Quote of note
"For the first time in 44 years, that put a little fear in me. God only knows the toll." — Brett Favre, on memory lapses that could be a sign of chronic traumatic encephalopathy, a disease found in the brains of many athletes who suffered repeated hits to the head during their career.
Hot video: Tests prove Bulgarian couple is girl's parents
DNA tests have confirmed that a Bulgarian Roma couple are the parents of a mysterious girl in Greece known as Maria, authorities said Friday. Maria has been placed in temporary care since last week.
More Content Now


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This page provides information about translators from Bulgarian to Spanish. For a list of all translation languages offered, please see: translation languages.
London Translation Services has a team of fully qualified Bulgarian to Spanish translators ready to assist you with your next project.
In addition to in-house translators, London Translation Services have at their disposal a large database of trusted translators worldwide. This enables us to offer a wide range of language combinations. All Bulgarian to Spanish translators hold the relevant university qualifications and always translate into their mother tongue of Spanish.
The full range of Bulgarian to Spanish linguists that work for London Translation Services includes translators, interpreters, proofreaders, editors, copywriters and website localisation experts. Details of the services offered by these linguists are outlined below:
Bulgarian to Spanish Legalised Translations
There are two types of legalised translations. Those that are normal translations using legalised language, such as property purchase contracts to be translated from Bulgarian to Spanish, rental agreements, etc... that are not to be used in court, generally for informative purposes only. These are classed as specialised or technical translations due to the specific type of content. If the texts need to be presented to a court, government, or any official body, then the legalised translation required would likely be a sworn (or certified) translation and the translation from Bulgarian to Spanish must be performed by a registered, official translator.Spanish Translation London, United Kingdom
Bulgarian to Spanish Certified Translations
Certified translations often involve the use of a qualified translator that has been registered with associations and/or the government of a particular country (representative of the language they are translating into). Bulgarian to Spanish certified translation is generally slightly more expensive than standard translation, but this depends largely on the volume and type of document being translated. In order to provide a quotation for certified translation, please scan your document (both sides) and ensure that all text (and any stamps or markings) are legible and email them through to us.Spanish Translation London, United Kingdom
Bulgarian to Spanish Website Translations
Website translation (otherwise known as 'Website Localisation' involves taking an existing or new website and translating all content from Bulgarian to Spanish and possibly additional languages as well. To perform a complete website localisation project, many different individuals need to work together as a team to deliver a finished product. Our own in-house I.T. department liaises with the translators from each language to ensure proper web-based typesetting and image edits per language.Spanish Translation London, United Kingdom
Sworn Bulgarian to Spanish Translations
Sworn translation is the most formal type of translation which is often required for legal proceedings, immigration purposes and other official matters. For sworn Bulgarian to Spanish translation services in London, or in the United Kingdom, please email through your documents (preferably in text format, such as Microsoft Word) to our team and we will revert with a quotation immediately.Spanish Translation London, United Kingdom
Bulgarian to Spanish Medical Translations
The translation of medical documents from Bulgarian to Spanish constitutes a significant part of London Translation Services's core business. To ensure accuracy and precision, we always use specialised translators (holding a medical degree as well as their translation degree) to carry out Bulgarian to Spanish medical translations. If you have medical reports, letters or notes that require translation from Bulgarian to Spanish, London Translation Services can take care of this for you.Spanish Translation London, United Kingdom
Specialised Bulgarian to Spanish Translations
Specialised translations are performed by translators with a specific area of expertise relating to an industry or subject matter. A few examples of specialised translations from Bulgarian to Spanish are as follows:
- the translation of a book written in Bulgarian about environmental protection
- user manuals written in Bulgarian of printers or other technological devices translated into Spanish
- medical-related instructions from Bulgarian into Spanish
- the translation of a biology-related thesis in Bulgarian translated into Spanish for a university student
Bulgarian to Spanish Technical Translations
Technical translations are identical to specialised translations and are also performed by qualified Bulgarian to Spanish translators with a specific area of expertise relating to an industry or subject matter. Technical translations from Bulgarian to Spanish are one of London Translation's specialties.Spanish Translation London, United Kingdom
Bulgarian to Spanish Standard Translations
Standard translation from Bulgarian to Spanish is performed by university-level educated translators with Spanish as their mother tongue (native language).Spanish Translation London, United Kingdom
Free Translation Quotation
At any time a free, no-commitment quotation can be provided for your Bulgarian to Spanish translation project:
Note that London Translation Services, as a translation agency based in London, UK also offers all the above-mentioned services from Spanish to Bulgarian.


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Gigstarter Artist of the Year is an annual competition since 2014. People can subscribe for the competition from 18th September until the 30th September 2019. After that period a jury makes a shortlist out of all the artists that entered the contest. The final shortlist will be announced at October 16, 2019. From that moment on fans and followers can submit their votes on the artists on the shortlist. On the Gigstarter profile page of the artist, fans can submit their votes. The top 3 live acts with most of the votes will be invited to play a live gig during the Artist of the Year final on December 13th, 2019.
The three artists that win the online voting competition get to perform during the final. After the three live performances, the expert jury will decide which act will become Gigstarter Artist of the Year 2019. In addition to a jury-prize, Gigstarter will be giving away a prize to the performance that wins the audience's popular vote. Furthermore, the DJ of the Year will be entertaining the crowd with its music.
Every artist who has a public profile on Gigstarter and who can perform original compositions for at least 40 minutes, can participate at the competition. Competing artist-formations can range from live solo-artists to full bands and are only allowed to play one cover song during the final. For DJs a parallel, yet separate competition is organised, which allows the winning DJ to perform during the event in Amsterdam. Artists of the Year finalists from previous years are excluded from the competition.
With only one push on the button you can participate in the Gigstarter Artist of the Year 2019 competition. To compete, login, go to your artist dashboard and click the "Participate" button, registrations closes on September 30, 2019. On October 16, 2019, the jury will announce the shortlist and fans and followers can start voting on their favorite band. A 'vote' button will be showed temporarily on your Gigstarter Artist profile. Make sure to ask all your fans to vote for you through social media by sharing the link to your profile after you are part of the shortlist!
The jury full of experts from the music industry depends their choice for the shortlist on the musical quality of the artists and the quality of the Gigstarter profile. The shortlist can contain artists with different musical background and/or genres.
The winner, chosen by the expert jury, holds the title of Gigstarter Artist of the Year 2019 and will not leave empty handed. The competition gives artist great exposure and a unique opportunity to perform at a high-end international venue.
There is a special competition for the DJs on Gigstarter. Every DJ who has a public profile on Gigstarter can participate in the competition. The DJ should be able to perform for at least one hour and is free in its selection of music. The DJ with most votes can perform during and after the final.
You can vote for your favorite artists, from October 16, through a link on the profile of competing artists. You will need to login with Facebook to identify yourself (this way we know that every user is unique and helps us detect fraud). We will only use your voters' email addresses to send a single invitation for the Artist of the Year final.
Everyone can vote from October 16, 2019 until November 4, 2019. At that point, the top 3 most popular artists and the winning DJ will be determined.
You can vote only one time on a particular artist, but on as many different artists as you'd like! If we suspect any form of fraud, we have the right to remove those votes.
For sure! The exciting final of the Gigstarter Artist of the Year competition will take place on December 13th in Amsterdam. More information is coming soon!
Gigstarter cannot provide travel or accommodation expenses of any kind for finalist. If you are participating the competition you should be able to play at the final on 13th December. If not, the title and opportunity goes to other artists.
After 3 amazing performances during the final Artist of the Year 2018. The talented band Stoned Therapists went home with the title Gigstarter Artist of the Year 2018, as well as several nice prizes! DJ Frank Gomez was Gigstarter DJ of the Year 2018.
Bekijk op deze pagina de widgets die beschikbaar zijn voor The Crooked.
Om de Gigstarter widget te integreren, kopieer je de HTML code in het onderstaande textvak en plak je deze in een HTML pagina van je website. Als je de widget wilt integreren maar niet zelf je website beheert, stuur dan de URL van deze pagina naar je web-ontwikkelaar.
Zodra je de widget hebt toegevoegd op je website activeert Gigstarter de link van je profiel naar je website. Bericht ons hierover via firstname.lastname@example.com.
We nemen gegevensbescherming zeer serieus. Alleen functionele gegevens worden opgeslagen en geanonimiseerd voor maximale privacybescherming. Bekijk de privacyverklaring om gebruik te maken van de Gigstarter-services.OK


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Red Sox - 020 001 350 - 11 17 0After six innings of back-and-forth lead changes, the Red Sox scored eight runs in the space of 15 batters in the late innings.
Orioles - 110 100 002 - 5 12 1
J.D. Drew drove in four of those eight runs; three of them came on his 21st home run of the year in the eighth. Brian Anderson followed that dong with one of his own. David Ortiz had two doubles, Mike Lowell went 3-for-4, and Josh Reddick hit his second major league home run in the second.
Lester (6-10-3-0-4, 102) was not sharp, giving up a run on a double and two singles to start the Baltimore first, and allowing solo homers to Ty Wigginton and Melvin Mora -- each of which lead off an inning. Manny Delcarmen allowed consecutive shots to Wigginton and Felix Pie to begin the ninth.
Amalie Benjamin, Globe:
On Sept. 6, Jon Lester allowed the Chicago White Sox no runs in seven innings. Since then, Red Sox starters have allowed three runs or fewer in 11 straight games, their longest such streak since they reeled off 12 in June 2006. The Sox are 9-2 over the span, a stretch during which they seized control of the American League wild-card race.


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The key to adding young advisors to firms is offering opportunities to work with people, a survey released March 6 by Schwab Advisor Services found. The No. 1 role students want in a financial services firm is relationship management.
Schwab conducted the survey among more than 100 students studying personal financial planning at Texas Tech. It found that only 27% of respondents said they would consider a product development and delivery role ideal.
"Our goal is to help people prepare to work at an RIA firm," Nick Georgis, vice president of practice management and strategic business development for Schwab, told AdvisorOne on Friday. "The survey found what they're looking for makes them a great fit for an independent advisory firm."
Considering those aspirations, it's not surprising that students prioritize what Schwab calls "soft skills": communication, problem solving and self-motivation. Almost all respondents said being able to communicate and build relationships with all types of people was a very important skill in the financial services industry, followed closely by being able to identify and understand challenges and provide a solution. Almost 70% said self-motivation was an important skill.
Students are putting those values into action. The study found 70% of students said relationship building was one of their key strengths. Sixty-eight percent said their problem solving skills were their strongest ability.
However, some students may need to focus on their understanding of financial markets and investment strategies. More than two-thirds of respondents said that understanding was "very important," but just 40% said their abilities in that area were strong. Nearly 60% said they had only "some ability" in understanding financial markets and investment strategies.
"Most advisors will say focusing daily on the markets generally is not a good thing," Georgis said. "I see this as a positive sign that [students] understand it's not just a technical expertise. They fully embrace the need to relate to their clients throughout their lives."
The Schwab survey found that young people's reliance on online communications in general may be overstated. When asked to rank how they build their personal networks, almost twice as many ranked offline networks as their No. 1 networking activity as those who primarily use online networks.
While nearly a quarter of students said they were actively working to expand their network, less than 14% said they try to offer something of value in return.
Georgis noted that's likely due to students' inexperience. "Students are still in that mode where they're learning how to add value," he said. For the students who attend Schwab's Impact conference to network with working advisors, "when they come to Impact, the conversations are about what they need to do to stand out."
Georgis pointed to the firm's Schwab Advisor University, which launched in June 2010 and has since been used by more than 4,000 young advisors. "Schwab University was designed for new employees at advisor firms," Georgis said. "There are 65 courses that teach the things clients will need to have happen."
Students are not just looking for careers where they can build connections with clients; they also want balance. More than a third rated work-life balance as the most important factor in a happy career, and 64% said it was in their top three priorities. Almost the same percent said helping others achieve their goals was in their top three criteria. And they're not just in it for the money. While financial reward was in the top three criteria for nearly half of respondents, just 5% said it was their No. 1 criteria for a fulfilling career.


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As the S&P 500 topped all-time highs on Monday, a markets expert with Federated told attendees at the Raymond James Women's Symposium that if the firm is correct in its reading earnings, dividends and economic trends, it's "very dangerous" for investors to be bearish on stocks.
(The index closed at 1,744.66, its third record close in a row, and is up about 22% this year.)
Linda Duessel, a senior equities strategist, also explained why the firm maintains that a dividend-oriented strategy is optimal. "We have been different," she explained to some of the 340 guests at the event, which is taking place this week in St. Petersburg, Fla.
The S&P could hit 2,000 in 2014, according to Federated, with economic growth of 3% or better.
Back in 2009, the firm called market conditions those of a secular bull market, "when I, personally, didn't didn't want to believe it," joked Duessel. "But this is a new buy-and-hold [period], and so far, so good."
She noted how the market is not moving sideways but, instead, is progressing in a stair-step pattern. And, along with several economic indicators, Federated expects the "economy to accelerate by the end of year and into next year."
While the U.S. economic recovery has been tepid, Federated has raised its GDP growth estimate for 2013 from 1.1% to 1.7%.
"We also expect price-to-earnings expansion," Duessel said. Corporate earnings are at all-time highs, she notes.
Dividends, Anyone?
A recent study commissioned by Federated found that high-net-worth investors may be more willing to embrace dividends to get the income they need than advisors might think, the speaker said.
When it comes to income, 30% of those surveyed picked bonds and 50% said equities/balanced funds. "You can't get yields or safety with bonds," Duessel said. "A dividend strategy is your bond surrogate."
Advisors say 30% or so of clients are cautious or very cautious, but only 9% of HNW investors say they are. Plus, 84% say they are moderate and are willing to move out the risk spectrum, according to Federated.
U.S. corporations are "just off high profit margins," she points out, though further growth is unlikely in this area. "We need sales growth and, therefore, we need jobs!" Duessel said.
But Federated expects more hiring to take place. "There's no recession in sight," she said. "We are now at a state where we can go shopping."
There are no big excesses to work off, Duessel notes, "other than government debt. And we see sideways, sleepy economic growth ahead."
However, although we've gotten back 97% of the number of jobs lost in the most recent recession, the employment has mainly been in lower-paying sectors. That could mean more entitlement spending and higher taxes, which means "less for the economy and for growth," the equity strategist said.
On the plus side, housing sales have been up 10% year over year, global growth "continues to accelerate," and Europe could be coming out of the recession.
"Financial advisors and clients are bullish on the economy, and the rotation [from bonds to stocks] has begun," Duessel noted.
"The future may resemble the pre-'80s decades; dividends will become more and more of an important feature, and look outside the U.S., too, to diversify yields," she said. "We like U.S. munis and international stocks."
Check out Are We Near the End of a Long Bull Run? by Mike Patton on ThinkAdvisor.


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Vancouver's gaming sector suffered another hit Thursday with the news that PopCap Vancouver and Quicklime Games studios are shutting down as part of Electronic Arts' continued reorganization.
EA didn't say how many people will be affected, although one laid-off employee at PopCap said there were about 30 people at that studio, with some possibly moving to jobs at PopCap and EA studios in other cities.
The news quickly spread through social media, with some employees taking to online networks to announce they expected their jobs to be axed.
Designer Justin Nearing is among about 30 employees who got notice that PopCap Vancouver was closing.
"Basically this studio is being shut down," he said. "They took a look at the overall PopCap as a global business and they took a look at what was succeeding and what wasn't.
"The product we were working on didn't quite reach the commercial numbers they needed to hit," he said of the Facebook game the studio created.
"It wasn't the very important game that all of PopCap or that all of EA is riding on," said Nearing. "It was very much an experimental studio mandated to take a few risks, do something cool and see if we can create something awesome.
"While I feel we created something awesome, the numbers weren't there."
Nearing said some of the PopCap employees will be placed in jobs with other PopCap or EA studios.
"For people that have kids and stuff, they are going to be more inclined to find another job as quickly as possible than someone who doesn't have that kind of responsibility," he said.
Nearing plans to take the summer off and expects he'll be able to find a job in one of the many indie game studios that have sprung up in Vancouver.
"There are smaller studios that are actually making enough money to be profitable at their level," he said. "There are a ton of studios that are hiring for our kind of engineers, for our kind of designers, for our kind of artists."
EA issued a written comment Thursday but did not respond to an interview request.
"In recent weeks, EA has aligned all elements of its organizational structure behind priorities in new technologies and mobile," EA said in a statement. "This has led to some difficult decisions to reduce the workforce in some locations. We are extremely grateful for the contributions made by each of our employees — those that are leaving EA will be missed by their colleagues and friends.
"These are hard but essential changes as we focus on delivering great games and showing players around the world why to spend their time with us."
While EA didn't specify the number of jobs to be cut in its latest reorganization, which was not limited to Vancouver. Industry watchers estimated 100 people are affected by the closures of the Vancouver studios, although there was no confirmation of the layoff numbers for Quicklime.
Thursday's announcement is the latest in a reorganization that has seen continued job cuts by EA, most recently with 170 people laid off earlier this month in Montreal. It also comes about a month after EA announced CEO John Riccitiello was stepping down.
Matt Toner, the NDP candidate for Vancouver-False Creek, a video game veteran who heads up Zeros 2 Heroes Media and who threw his hat into the political arena last year when another Vancouver game studio closed and moved to Toronto, said the latest closure is resonating around the industry.
"It is looking more and more like the challenge is how do we rebuild this industry in Vancouver," Toner said, noting the importance of retaining the city's digital-sector talent.
"The real problem now is the senior talent, the entrepreneurial talent is thinking Vancouver isn't a good bet," he said. "This stuff rattles around the whole industry in no time. The game industry knows Vancouver is in trouble."
With files from Mike Hager


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Steeping green tea is easy. Simply heat fresh, filtered water just short of boiling. Then pour water over tea and steep for 1-3 minutes (if using a tea bag) or 2-4 minutes (if using full-leaf tea.)
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For more than 150 years now, people have been coming to the well-known spa resort of Neuenahr to improve their health.
Spring water, wellness and medical care
The local remedy – thermal spring water – help treat and prevent various complaints such as cardiovascular and metabolic conditions and diabetes, although the treatment programme can even cover poor fitness and excess weight. Spa guests can place their confidence in the experience and expertise of 15 clinics and more than 100 doctors, and new standards of medical care are being set in Bad Neuenahr-Ahrweiler.
Wellness is another important element of any curative treatment, however, which is why the Ahr resort with its 20,000 m² wellness world, Ahr-Therme baths and historical thermal bathing house is also open to spa guests. The complex also contains a medical fitness studio and treatment rooms for massages.
Guests should not miss out on a trip to the spa garden and a stroll through the superb grounds.
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DAC Collection Object Information
Madonna Crowned by an Angel,
Engraving on laid paper
Print impression quality: Clear, warm, slightly light; flawed by vertical smudge in sky over fence, left
Dimensions (Plate): 136 x 92 mm (5.4 x 3.6 in.)
Signed in plate, lower left: monogram with date
Watermark: Little jug, M. 158
Accession number: 1942.D1.140
Gift of George W. Davison (BA Wesleyan 1892), 1942
Provenance / Collectors' marks: Henry H. Benedict (Lugt 2936); Verhard Jabach (Lugt 2967)
Bibliography: Bartsch 37; Joseph Meder 41a; Campbell Dodgson 94; P. 144.
Work Type: print
Keywords: Click a term to find other records with the same keyword.
This object is in the following image group(s):


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They hope they don't die before they get old.
Possessing a heavy streak of nihilism when they came of age two decades ago, as well as an equally weighty rejection of the materialistic 1980s, Generation X's cynicism was matched only by its clothes and music. They had the anti-authoritarian streak of their Baby Boomer elders, just without all the free love and flowers.
How times have changed. Now well into their forties, the grunge generation is listing things as lame as life insurance and retirement planning as top concerns.
A retirement study from LIMRA conducted in July found Generation X tended to be more concerned that they would not have enough money for retirement than their younger and older counterparts.
While it might seem surprising, given the attention mobile device-loving Generation Y has received of late, only a quarter of Generation Y consumers (ages 18 to 32) and three in 10 Baby Boomers (age 49 to 68) were very concerned about having enough money for retirement, compared with 36% of Gen X consumers.
Fewer than 20% of all Americans are very confident they will have a secure retirement. Boomers and Gen X were least likely to feel very confident about achieving a secure retirement (13% and 14% respectively), while 21% of Gen Y said they were very confident they would have a secure retirement.
"While many Gen X Americans are in the prime earning years, they are less likely to have a defined benefit plan than Boomers and more likely to be aware of risks associated with retirement and the challenges they face to save enough to achieve a secure retirement than younger consumers," Alison Salka, corporate vice president and director of LIMRA Retirement Research, said in a statement. "They also may be managing multiple financial demands like saving for a child's education or helping older parents. Meanwhile, Baby Boomers probably already have a realistic picture on their retirement outlook."
The study asked consumers to define retirement security. The top three descriptions chosen were "living comfortably" (24%), "having financial freedom" (23%) and "peace of mind" (16%).
It found almost three-quarters of consumers surveyed reported that they have taken at least one step toward a secure retirement. Contributing to an employer-sponsored retirement savings plan was the most common step among full-time workers. As expected, workers over 55 were more likely to have taken more steps, including calculating their retirement income, discussing planning with a professional and determining what their retirement expenses will be.
On a related front, New York Life reports that before the Great Recession took hold in 2008, Gen Xers reported a median shortfall between their life insurance coverage and their self-described financial needs of $362,688. Today, they are reporting a $448,996 gap, an increase of 24%, which the company says puts them in even greater danger of missing goals such as paying off mortgage or credit card debt, funding a college education or financing a secure retirement.
Check out Young Millionaires More Optimistic Than Boomers on ThinkAdvisor.


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SIAM-IMA Student Chapter
We are a group of PhD students organising talks in applied mathematics. Everyone - undergraduates, postgraduates and staff, in mathematics as well as other departments - are welcome to attend!
If you would like to stay informed about upcoming talks and selected international conferences (including funding opportunities!), please subscribe to our mailing list. If you like our work, please tell us on our Facebook page. And if you want to connect with applied mathematicians beyond Warwick, please consider joining SIAM.
SIAM Membership
If you are interested in applied mathematics, we warmly invite you to join the Society for Industrial and Applied Mathematics (SIAM). It is a great opportunity to connect with professional applied mathematicians, and thanks to this Student Chapter, membership is free for all Warwick students. Please see the SIAM student membership page for the full list of benefits and details on how to sign up. If you do sign up, please indicate your association with this student chapter as this helps us to prove to SIAM that our chapter is alive and well.
For questions, comments or suggestions please contact any member of our committee:
|Connah Johnson
|Jaromir Sant
|Hanson Bharth
|Jack Thomas
|Seminar Organiser
|Martin Lotz
|Faculty Advisor


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Rays - 200 065 100 - 14 17 2Work pulled me away from this one in the third inning, so I missed all of the fun. Toronto beat Oakland 6-4. We are 1 GB.
Red Sox - 010 022 000 - 5 10 1
Scott Kazmir (6.00, 80 ERA+) / Jon Lester (5.11, 98 ERA+)
Terry Francona, on Friday's game:
All of a sudden, we get a couple of baserunners, and there's Jason Bay again.Bay's last three home runs, and four of his last five, have been three-run dongs. All nine of his home runs this season have come in the sixth inning or later. He has driven in 12 runs in the last five games. Over his last 15 games, dating back to April 24, he is hitting .385/.508/.788.
I don't like to look at my numbers. I don't jump on the Internet every morning or tear through the stats pages. It's a long season. It would be counterproductive to focus on today.Kevin Youkilis and Bay and 1-2 in the American League in OBP, OPS and Offensive Winning Pct.; they are 2-3 in slugging. Bay is 1st in Runs Created and 2nd in both RBI and walks.
He is comfortable in Boston:
It was nice to go into Spring Training and just be another guy. I wasn't the novelty. I was just a regular left fielder of the Red Sox. I relish that. I really like blending in with the team and being another guy on this team rather than the standout news story.John Tomase, Herald:
Jason Bay's 2-year-old daughter Addison recently added a new phrase to her vocabulary, and it couldn't have come at a better time: "Home run, da da."Also last night, Pawtucket's Clay Buchholz allowed only one hit over seven innings and struck out eight. He has allowed only three hits in his last 12.1 innings of work. Overall, in five starts (27 innings), Buchholz has a 1.33 ERA.
"She says it about 50 times a day when the game's on," Bay joked. "She's bound to be right sometimes."
Sometimes? Red Sox fans would agree it feels like she's right all the time.
I got a hold of a couple of things that I didn't have a grasp of last year. I'm not really sure what it will take to get back to the Majors. I feel like I'm really in my prime right now.Dom DiMaggio (1917-2009): Globe obit and photos -- Pesky talks -- Video from Fenway -- Times obit.
Most Red Sox Wins By Manager
Wins SeasonsIf the Red Sox win another 72 games this year, which would give them 91 victories, Tito will move past Pinky Hggins into second place.
Joe Cronin 1,071 1935-47
Mike Higgins 560 1955-59; 60-62
Terry Francona 489 2004-present
Bill Carrigan 489 1913-16; 27-29


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It's no secret that the current state of CFP Continuing Education (CE) credit is a pretty sorry affair.
Financial planners attend sessions just hoping for one or two takeaways that they haven't heard a dozen times before—an embarrassingly low bar for "satisfaction"—and conferences struggle to draw attendees. It often seems that planners choose a myriad of free vendor-provided CE options not because the content is good—often, it's still little more than a veiled sales pitch for the company's products or services—but because the paid CE alternatives from conferences aren't much better. If you go into your CE experience assuming you won't hear anything new anyway, there's little reason not to take the free option. And this situation is not new; while the CFP Board has become more aggressive about cracking down on the worst of the CE-as-product-pitch options, there's been little done to elevate the average CE experience.
Yet that doesn't mean the situation is hopeless, as many steps can be taken to improve the quality of CFP continuing education. In fact, the CFP Board, as the keeper of the CFP marks and the continuing education for them, wields a great deal of power to change the system for the better.
For instance, the CFP Board could create a ratings clearinghouse so conference organizers can more easily see who's a good speaker and who's not, allowing events to better screen their speakers before putting them on the podium. In addition, the CFP Board could also provide a better database for finding CFP CE providers in the first place, so the majority of events don't have to rely upon random Google searches and scanning the agendas of other conferences! But perhaps the best path to getting better CE credit is simply to lift the number of required CE credits, creating more of a potential CE market that could attract quality providers in the first place!
Ratings Clearinghouse for Speakers (and Content)
One of the fundamental problems for elevating the quality of CFP continuing education is that a good educational experience relies on the speaker as much as the content… yet while the CFP Board at least lightly reviews and vets content before approval, there is no system to vet the speakers. And even after a speaker presents, there is no system to capture the quality of the speaker's presentation (or the content itself) for other organizations to draw upon; while many/most events do circulate evaluation forms, the results are only ever seen by the event organizers and perhaps the speakers themselves. The information never becomes a resource for other events to find the best speakers, and avoid the worst ones; at best, events that find good speakers just keep asking them back, and events who find bad speakers don't invite them again (without doing anything to ensure the bad speaker doesn't just go and speak for another organization instead).
So what's the solution? If the CFP Board truly wants to elevate the quality of continuing education, it should function as a ratings clearinghouse for speakers and their content (an approach I've actually advocated for many years, and wrote about on this blog in 2011 when the CFP Board proposed changes to the CFP Ethics instructor requirements).
Develop a standardized series of questions that events are expected to use as a part of their existing evaluation process. The questions wouldn't need to be very plentiful nor very complex; ultimately they just need to cover the basics the speaker's presentation skills, the relevance of the topic, the quality of the presentation materials —all rated on a 1-to-5 or 1-to-10 scale—and perhaps a question about whether the speaker refrained from selling his/her products or services. Tabulated results could be reported back to the CFP Board, or even just the average scores in each category.
CFP Board could make the submission of evaluation forms mandatory for CFP CE approval—to ensure that it's done—or even just "encourage" organizations by providing easy-to-use templates, and perhaps offering them a small discount off the cost of their applications for CE credits or their CE sponsor renewal form. Alternatively, the CFP Board could leverage available technology by sending surveys directly out to event participants when their CFP CE credit is being reported, and require the participants to complete the survey to receive their credit (although ultimately I suspect it's better to just gather the results through the events themselves, which often— or should—utilize evaluation forms anyway).
Notably, this wouldn't actually put the CFP Board in the business of rating speakers; instead, it would simply rely on a "crowdsourcing" effort where speakers are rated over time by the audiences that see them, which ultimately lets the CFP Board gather FAR more information on speakers than could be determined from a standalone vetting process, anyway. Benchmarking results could be provided to show how the speaker's content and ratings compare to the average speaker on that topic or in that category, or to speakers overall. The CFP Board could also tabulate results for speakers across multiple topics, as well as the scores for standalone presentations.
Simply put, there's no reason that conference organizers should have to rely on a speaker's marketing materials and anecdotal evidence—or no evidence at all—of the quality of a speaker, especially when the CFP Board already tabulates so much information about each and every session that's presented for CFP CE credit (and who the participants are). If we want more quality speakers and fewer bad ones, let's use the reporting systems and resources that are already available to shine some transparency on the speaker selection process! A Better Database As A Conference Resource
The second step the CFP Board could take to improve the quality of CFP continuing education is to craft a (better) resource list of available speakers and continuing education providers. Technically, the CFP Board does currently have a "Find A CE Program" resource on its website, allowing CFPs to try to search out CE providers. However, the organization of the database is clunky at best; although you can screen for online or self-study content as a CFP certification looking for CE, there's no way to screen for—or even see who—the speaker is, as the resources are all organized by the sponsoring CE organization. And given that many/most speakers have their sessions registered by a conference or event organizer, or a large firm/organization, often there's not even a way to track down the speaker if you wanted to. And of course, as noted earlier, even if you do find a speaker, there's still no information on whether the speaker was any good or not, given the aforementioned lack of ratings.
So what would an improved system look like? First of all, every session submitted for CE should include the name of the speaker – ideally with a registered speaker ID number to help with the collation of speaker scores – in addition to the sponsor/provider. There should be an option to search by provider, or speaker, or session. In addition, every session submitted should be tied to the CFP Board's own Principal Topics List (or multiple topics under one presentation), so that conference organizers or CFP certificants themselves can more easily search for CE that's relevant to their needs, without needing to guess the right keyword (since not every presentation title uses the same keywords for sometimes similar content).
Notably, the FPA actually tried a version of this in the past, and created the FPA Speaker's Directory. However, the end result is an interminably long PDF document that's not searchable, cumbersome if not impossible to use, and of course doesn't contain any speaker ratings even from the speakers that deliver sessions to the FPA's own chapters!
The ultimate goal of this process—if a conference organizer wants a speaker on a particular topic, like behavioral finance, they should be able to simply go to the CFP Board's website, do a search for behavioral finance (or whatever other topic), and see every speaker who's ever delivered a session on that topic for a CFP certificant audience, along with the aggregated audience results of the speaker for that and any other presentations. New speakers will start out speaking at smaller organizations (who may not always wish to get or be able to afford the best from the speaker database), but any presentation to CFP certificants will get the speaker into the database and the potential for more visibility based on the quality of the speaker's reviews/results.
In the end, the best speakers can rise to the top, and the worst can fall to the bottom… simply by creating a system that uses the information the CFP Board already collects, and evaluations that already occur, to make it easier to separate the wheat from the chaff!
In the second part of our post, we'll reveal the single most important step to improving CFP CE providers and content in the long run.


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GARM is an established leader in the field of Regenerative Medicine. Numerous highly regarded and reputable physicians, surgeons, and experts from various countries have aligned and created cutting-edge treatment protocols that allow patients to improve their quality of life
Orthopedic Surgeon
This information is intended for general information only and should not be considered as medical advice on the part of Health-Tourism.com. Any decision on medical treatments, after-care or recovery should be done solely upon proper consultation and advice of a qualified physician.
What is Foot & Ankle Surgery?
This is a type of orthopedic and podiatry surgery that is concerned with diagnosing and treating disorders of the foot. It focus on restoring functionality in the foot in order to ease the suffering of a patient. There are many causes of foot disorders; some are caused by accidents while others are congenital.
A foot & ankle surgeon is equipped with knowledge and skills to treat surgical and non-surgical foot & ankle disorders. In adults, foot & ankle pain is caused by a variety of factors. Thus, the surgeon is trained to establish the connection between the foot & ankle, the spine and arthritis. In addition, the doctor is well equipped to deal with congenital foot & ankle disorders.
The treatment will largely be based on the results of the various tests conducted. Sometimes, the physician will recommend that the person takes some painkillers. This will usually be followed by advice to ease pressure on the affected foot and/or ankle for some time.
Other treatments may involve placing ice packs on the foot. He or she may also offer some ointments to ease the swelling. At times, corticosteroids may be given to reduce inflammation. The doctor may bind the foot in bandages to restrict the movement and to give it time to heal.
In case surgery is necessary, it will be performed to remove any damaged tissues. These tissues usually affect movement in the foot, thus lowering a person's quality of life. At times, surgery is performed to replace the ankle joint.
Ankle joint replacement takes place when in the doctor's opinion it is damaged beyond salvation. The surgery will at times involve lengthening calf muscles. This is done in order to reduce pressure on the tendons of the foot. The Achilles heel tendon is usually the target of such an operation.
In the case of congenital disorder such as clubfoot, an operation is usually performed to restore the child's foot to its normal shape. This will enable the child to lead a normal life without complications. Congenital disorders should be reported as early as possible to a qualified medical practitioner.
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Although most Americans know they'd get an A or a B on a test of saving and investing know-how, the grade they gave the average American was a D.
While there may be more than a little pride inflating respondents' opinion of their own literacy level, respondents almost unanimously agreed that financial literacy is important — and something they don't have enough of.
Whose job is it to teach Americans about finance? Three-quarters of respondents said it was up to them to learn how to be financially responsible. Fifty-six percent said parents are responsible for teaching financial lessons and 50% said schools and teachers should take responsibility. Just one-third of respondents put the responsibility for teaching Americans about finance on the financial industry.
"We learn is much of our financial behavior from our parents," Barbara Nusbaum, a psychologist and money coach who consulted Genworth on the survey data, told ThinkAdvisor on Thursday. "I think a lot of times people don't think we should learn from our parents because it's just not done, so there isn't the expectation that it should be done that way. I think it doesn't happen because a lot of people don't feel competent and confident enough to do it."
Nusbaum said it was crucial to give more attention to that early education. "It's crucial that we talk about money at home and that we do financial education in lots of different forms, but in ways that are appropriate for kids. There are a lot of blocks that we all have about money and what it means to us. It's not just a knowledge gap, but it's also a block around our personal feelings."
While the economy was the most commonly cited reason for low retirement savings overall, respondents put a lot of the blame on individuals. Fifty-eight percent said lack of financial education was a reason for low savings, almost the same percentage who put the blame on irresponsible spending (57%).
As is usually the case in studies determining financial literacy, women scored themselves lower than men. Two-thirds of male respondents gave themselves an A or a B, while just 40% of women gave themselves the same score. Furthermore, women were more likely than men to say they went looking for more information out of fear (21% versus 14%).
"Women are good at some financial planning, but I think it's not necessarily what's measured and talked about," Nusbaum said. "Women are less focused on money accumulation than men are. Financial competence means accumulating money for men. For women, it's much more focused on security."
Nusbaum (left) also noted that women tend to grade themselves harder than men. "Women, whether it's about finance or other things, say they're less good at things and men say they are better at things than their actual performances."
She said it was important for women to deliberately talk and learn about money instead of avoiding it. "Instead of the fight and flight response to financial anxiety, I say you can affiliate and connect. That's a female way to deal with something that they're anxious about."
Another strategy Nusbaum suggested for women is to "acquire and hire. They need to learn some things, but not everything."
Securing a stable future was the primary motivation for looking for more education, at 67% of all respondents. Just 18% said fear running out of money was the main driver.
"I think fear of running out of money is terrifying and raises a lot of anxiety. Ensuring future financial security is something you can have empowerment around: you can educate yourself, you can be active, you can have an impact on your future. If you're scared of running out of money, that's a pretty dire possibility, and it can be overwhelming. The perfect level of anxiety is not too much, not too little."
Check out 4 Reasons Uninsured Should Heed Obamacare Mandate Now on ThinkAdvisor.


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Easy DOM Parsing in Java
There are a few ways to parse XML in Java:
- SAX parser: An event-based sequential access parser API that only operates on portions of the XML document at any one time.
- DOM parser: The Document Object Model parser is a hierarchy-based parser that creates an object model of the entire XML document, then hands that model to you to work with.
- JAXB: The Java Architecture for XML Binding maps Java classes to XML documents and allows you to operate on the XML in a more natural way.
- String operations: I've seen some people, due to performance or memory constraints, actually perform
Stringoperations on a loaded XML document to manually find bits of information within the XML as a
String; for instance, using the
indexOfand other built-in methods. This is not a scalable or reusable solution.
In my experience, the most popular way to work with XML is to use the DOM parser. With the DOM, the XML is broken down into three main pieces, called entities:
- Elements (sometimes called tags)
- Attributes
- The data (also called values) that the elements and attributes describe
Conceptually, this is simple enough, and most people choose DOM parsing for this very reason. However, when parsing XML, traversing the Document Object Model (DOM) is not always easy. I typically include a set of easy-to-use methods, such as
getNode and
getNodeValue (shown below), to help me pull data from a parsed XML document. This saves me from rewriting all of the otherwise recursive code to traverse a nested XML hierarchy. Before we dive into the code, I'll give a quick overview of what you need to prepare for when processing XML in Java code.
Look at the XML document below as an example:
<?xml version="1.0" encoding="UTF-8" ?> <Company> <Name>My Company</Name> <Executive type="CEO"> <LastName>Smith</LastName> <FirstName>Jim</FirstName> <street>123 Main Street</street> <city>Mytown</city> <state>NY</state> <zip>11234</zip> </Executive> </Company>
An element is always enclosed in "<" and ">" brackets and can consist of any piece of text, such as
<Company>. Attributes are additional name/value pairs placed within an element's brackets, but after the element's tag name, such as
<Executive type="CEO">. The attribute name is always followed by an equals sign (=), and then the value in quotes. An element can contain zero or more attributes, where each attribute name/value pair is separated by whitespace. Elements and attributes, themselves, make up what is called metadata, which is data that describes data.
When parsing XML via a DOM parser, each of the three important parts of the XML structure (elements, attributes, and the data) are represented by the
Node class. To process this XML in a meaningful way, you need to create a series of nested loops that start from the document's root node, and recursively navigate through the child nodes, then each child node's children, and so on. Then, when you've found the node by name, you need to check its child nodes and their types to be sure you're reading an attribute or value. For instance, the node data (or value) has the type
Node.TEXT_NODE, while an attribute has the type
Here are the helper methods I use most often:
import com.sun.org.apache.xerces.internal.parsers.DOMParser; import org.w3c.dom.Document; import org.w3c.dom.NamedNodeMap; import org.w3c.dom.Node; import org.w3c.dom.NodeList; // ... protected Node getNode(String tagName, NodeList nodes) { for ( int x = 0; x < nodes.getLength(); x++ ) { Node node = nodes.item(x); if (node.getNodeName().equalsIgnoreCase(tagName)) { return node; } } return null; } protected String getNodeValue( Node node ) { NodeList childNodes = node.getChildNodes(); for (int x = 0; x < childNodes.getLength(); x++ ) { Node data = childNodes.item(x); if ( data.getNodeType() == Node.TEXT_NODE ) return data.getNodeValue(); } return ""; } protected String getNodeValue(String tagName, NodeList nodes ) { for ( int x = 0; x < nodes.getLength(); x++ ) { Node node = nodes.item(x); if (node.getNodeName().equalsIgnoreCase(tagName)) { NodeList childNodes = node.getChildNodes(); for (int y = 0; y < childNodes.getLength(); y++ ) { Node data = childNodes.item(y); if ( data.getNodeType() == Node.TEXT_NODE ) return data.getNodeValue(); } } } return ""; } protected String getNodeAttr(String attrName, Node node ) { NamedNodeMap attrs = node.getAttributes(); for (int y = 0; y < attrs.getLength(); y++ ) { Node attr = attrs.item(y); if (attr.getNodeName().equalsIgnoreCase(attrName)) { return attr.getNodeValue(); } } return ""; } protected String getNodeAttr(String tagName, String attrName, NodeList nodes ) { for ( int x = 0; x < nodes.getLength(); x++ ) { Node node = nodes.item(x); if (node.getNodeName().equalsIgnoreCase(tagName)) { NodeList childNodes = node.getChildNodes(); for (int y = 0; y < childNodes.getLength(); y++ ) { Node data = childNodes.item(y); if ( data.getNodeType() == Node.ATTRIBUTE_NODE ) { if ( data.getNodeName().equalsIgnoreCase(attrName) ) return data.getNodeValue(); } } } } return ""; }
To use this class, simply create a
DOMParser class instance, provide it with the path and name of your XML document, navigate to the proper place in the XML hierarchy, and call
getNodeValue (or
getNodeAttr) for each data item you want to pull out, as shown in the sample code below:
try { DOMParser parser = new DOMParser(); parser.parse("mydocument.xml"); Document doc = parser.getDocument(); // Get the document's root XML node NodeList root = doc.getChildNodes(); // Navigate down the hierarchy to get to the CEO node Node comp = getNode("Company", root); Node exec = getNode("Executive", comp.getChildNodes() ); String execType = getNodeAttr("type", exec); // Load the executive's data from the XML NodeList nodes = exec.getChildNodes(); String lastName = getNodeValue("LastName", nodes); String firstName = getNodeValue("FirstName", nodes); String street = getNodeValue("street", nodes); String city = getNodeValue("city", nodes); String state = getNodeValue("state", nodes); String zip = getNodeValue("zip", nodes); System.out.println("Executive Information:"); System.out.println("Type: " + execType); System.out.println(lastName + ", " + firstName); System.out.println(street); System.out.println(city + ", " + state + " " + zip); } catch ( Exception e ) { e.printStackTrace(); }
I realize that many of you are probably already XML parsing veterans, but I'm sure there are some newbies as well. Whether you're experienced or not, I hope you find these helper methods, well, helpful.
Happy coding!
More on this theme: Helper Methods for Writing XML in Java.


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Covering 3,000 square kilometres in the heart of Bavaria, Altmühl Valley Nature Park is one of Germany's largest reserves. Bizarre rock formations and juniper heathland are features of this beautiful riverscape.
Altmühl Valley Nature Park is ideal for an active holiday, for example on the family-friendly, 166km Altmühl Valley Cycle Route, one of the classic German cycling trails. Or on idyllic hiking trails such as the Altmühl Valley Panorama Trail, voted Germany's favourite walking route in 2012. Or a canoe tour: the gently meandering Altmühl is the ideal river for expeditions – the ultimate in stress-free summer fun.
With churches and abbeys, stunning palaces and lofty castles waiting to be explored, culture lovers will not be short-changed either. Equally fascinating are the many testimonies to Roman times along the UNESCO World Heritage Roman Limes: country estates, forts and watchtowers have all been either preserved or restored to how they originally appeared when they lined the border wall of the Roman empire. To travel even further back in history, visit the nature park's quarries and fossil museums. Here you'll find fossils from the Jurassic seas, among them the archaeopteryx, of which the Altmühl valley has so far provided the only example in the world.
To witness the interplay of nature and culture, the Danube Gorge should be high on your list of priorities. Best seen by boat, this impressive landscape is one of the '100 Most Beautiful Geotopes' in Bavaria. The boat trips will take you past Weltenburg Abbey, one of Bavaria's ancient monasteries, which also houses the world's oldest monastery brewery.
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Plastic bags reserve a special place in my waste abhorrence litany. They provoke my ire possibly more than anything else. And so, I try to use them, and reuse them, and then use them again as much as possible when I find myself in possession of them.
The handy dandy tool pictured above makes getting them clean in between uses so very easy (you know you can click on the photos to make them larger, right?). Locally made by Branching Out Woodworks, this bag dryer is positioned either horizontally or vertically once assembled. You then simply place your wet (but clean!) plastic bag onto it, wait for it to dry out and then, BOOM! POW! It's ready to be used again.
I love this device. It's so simple and yet so genius, all at the same time. To spread the love around, today I'm offering one small measure reader a bag dryer to use, use, and then use some more! To enter, simply leave a comment below telling me some small measure of your own that you take towards reducing waste.
Please, please leave means of finding you, should you be the winner, via either a link back to your blog or website, or by leaving your email address in the comments (if you'd rather not leave your email address there, just leave an anonymous comment, and then send me a private email with your information; I've yet to figure out another way of doing this). I'll run the giveaway through next Wednesday May 30th, midnight EST.
Together, let's lay to waste plastic bag wastefulness!!!
UPDATE: The winner of the Branching Out Woodworks bag dryer is Woolies! Congratulations!!! Thank you everyone for your entries. I loved reading about all of the small measures you're taking towards reducing waste!


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1972 European Tour
Sat Jul 22 1972
Montreux, Switzerland
@ Pavilion
Band MembersPaul McCartney
Linda McCartney
Denny Laine
Henry McCullough
Denny Seiwell
In the summer of 1972, Paul McCartney's newly-formed band,
set out on a concert tour of Europe. Coming on the heels of a tour of English universities, the Wings Over Europe Tour was intended to promote recent singles "Give Ireland Back to the Irish" and "Mary Had a Little Lamb", as well as provide live recordings to be included on a future album. The second objective never came to fruition, however, and Red Rose Speedway was released in Spring of the next year without any of the concert material. Only the August 21 performance of "The Mess" at The Hague was officially released, as a b-side to Number One single "My Love".
The band, with the McCartney children and their road crew, loaded up in a brightly-coloured double decker bus for the tour of the continent. The tour proceeded largely without incident, but on August 10 in Gothenburg, Sweden, Paul and Linda McCartney were arrested for possession of marijuana and fined US$1,200. Paul joked the arrest would "make good publicity" for the tour, but this arrest would cause him much trouble trying to gain visas for future tours.
Wings' lineup for the tour was Paul and Linda McCartney, Denny Laine, Henry McCullough, and Denny Seiwell. Text Source: Wikipedia
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