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Traditional Sheet Music
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290g Navy Worsted Fox Flannel
290g Navy Worsted Fox Flannel
WEIGHT: 270/300g or 9/10oz
TYPE: Worsted Flannel
Famous for its flannels, this mid-weight Fox Brothers navy worsted flannel is available for purchase by the metre for the first time exclusively at The Merchant Fox.
Using worsted yarn gives a smoother texture and appearance and also provides a crisper handle to the cloth. This worsted flannel, first developed in 1803 by Fox Brothers and Co., is known the world over for its superior finish and luxurious handle that makes for the finest suits.
- 150cm width
- Woven by Fox Brothers and Co. in the South West
- 100% pure new wool
- Dry clean only
- Your tailor will be able to advise of quantity of cloth required
Fox Brothers, the English woollen mill established in Somerset in 1772 is credited with being the originator of fine woollen and worsted flannels during the last century and is still said to produce the best in the world. According to style connoisseurs, when choosing flannel, "always be sure to ask for it (Fox) by name".
Fox Brothers first developed 'flannel' in 1803 and to quote Esquire magazine, is still the "Standard Bearer" for this wonderfully soft cloth.Loved by tailors who appreciate the way the it cuts "like a good butter', this wonderfully soft cloth has evolved over many years and is now available as suit lengths in varying designs and weights, exclusively on The Merchant Fox.
Iconic images from recent history show gentlemen of style wearing Fox Flannel - Sir Winston Churchill's Savile Row tailor Henry Poole favoured a chalk stripe, Hollywood legend Cary Grant often wore Fox and of course, Gregory Peck in the film, 'The Man In The Grey Flannel Suit'.


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545 Keyser Hill, St. Johnsbury 05819, Vermont802-748-3731
One and three bedroom apartments. Energy efficient; newly renovated.
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(802) 626-9696
Did you miss the latest Chamber e-Newsletter in your Inbox? If you would like to be added to our e-newsletter mailing list, please contact us at firstname.lastname@example.com.
Looking for information about the Town of Lyndon? See the Our Town page, or visit the town's Municipal website at LyndonVT.org
Looking for ways to volunteer in our community? Is your organization looking for ways to connect with local volunteers? The Lyndon Area Chamber of Commerce's new Opportunities to Serve our Community page is a resource for those looking to positively affect our community though volunteerism and for those organizations who need to 'get the word out' that they need volunteers.


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Swiss international cooperation is driven by the vision of a world without poverty and in peace, for sustainable development. This mandate is implemented by the Swiss Agency for Development and Cooperation, the State Secretariat for Economic Affairs and the FDFA's Human Security Division. Switzerland has earmarked CHF 11.11 billion for international cooperation in the 2017–2020 period.
Switzerland's engagement worldwide
Sustainable global development is a key factor in reducing poverty and hardship, managing global risks and promoting peace. Switzerland pursues sustainable development with seven objectives:
- Contribute to developing an international framework to address global challenges
- Prevent and manage the consequences of crises, disasters and fragility, and promote conflict transformation
- Ensure sustainable access to resources and services for all
- Promote sustainable economic growth
- Strengthen the rule of law and democratic participation while supporting institutions that serve society and the economy
- Respect and promote human rights and fundamental freedoms
- Strengthen gender equality and the rights of women and girls
Switzerland engages in international cooperation at both the bilateral and multilateral level, working with priority countries and regions as well as international institutions (finance institutions, UN organisations, global networks and funds).
The Swiss Agency for Development and Cooperation (SDC), the State Secretariat for Economic Affairs (SECO) and the FDFA's Human Security Division (HSD) lead Switzerland's work in international cooperation in the following five areas:
- Humanitarian aid (SDC)
- Technical cooperation and financial assistance for developing countries (SDC)
- Economic and trade policy measures within the framework of development cooperation (SECO)
- Cooperation with Eastern Europe (SDC/SECO)
- Promotion of peace and human rights (HSD)
Switzerland has allocated CHF 11.11 billion to these five areas for the 2017–2020 period.
Humanitarian Aid (SDC)
Humanitarian aid helps to save lives and alleviate suffering. Swiss Humanitarian Aid, which operates on the ground with experts from the Swiss Humanitarian Aid Unit (SHA), delivers aid either through its own programmes or by sharing its know-how with partner organisations. It also supports the implementation of partner organisations' programmes, particularly by way of financial contributions and relief goods. Its main partners are the International Committee of the Red Cross (ICRC), UN humanitarian organisations, national and international NGOs as well as Swiss aid agencies.
Switzerland's work in humanitarian aid focuses on emergency humanitarian relief and strengthening the legal framework and operational aspects of the humanitarian system. As well as providing emergency relief, Swiss Humanitarian Aid is also engaged in disaster risk reduction and reconstruction work both before and after natural disasters and armed conflicts.
Swiss Humanitarian Aid has four priorities for the period from 2017 to 2020. These are of key importance in responding to humanitarian challenges.
- Protection of the civilian population
- Disaster risk reduction
- Water and sanitation
- Gender-based violence
The mandate of Swiss Humanitarian Aid is global. Its engagement is determined by the needs of the affected populations. The current focus is on crisis points in the Middle East and sub-Saharan Africa, where sustained armed conflicts have left the civilian populations in dire need of humanitarian aid. At the same time, humanitarian aid must remain flexible enough to ensure a rapid response as new crises, conflicts or disasters arise.
Technical cooperation and financial assistance for developing countries (SDC)
The SDC strives to reduce all forms of poverty and exposure to global risks such as climate change or food insecurity. Aligning itself with the 2030 Agenda for Sustainable Development, the SDC works to improve living conditions for people in developing countries while, at the same time, ensuring the sustainability of natural resources and protection of biodiversity. Tackling poverty requires both local and global solutions. For the 2017–2020 period, the SDC again focuses its efforts on three main lines of action:
- Bilateral cooperation with priority countries and priority regions
- Five global programmes to address global challenges (climate change and the environment, food security, water, health, migration and development)
- Multilateral cooperation through dialogue and contributions to UN development organisations, development banks and other global funds and networks.
The SDC works in thematic areas where Swiss experience and expertise are recognised internationally. It helps to create better prospects through basic and vocational education and training, job and income creation and local private sector development. The SDC is reinforcing its commitment in fragile contexts, particularly in Africa and the Middle East. Of particular importance in these areas are conflict prevention and the promotion of human rights. Also, it continues to stress the importance of gender equality and good governance.
In geographic terms, the SDC is allocating 55% of its bilateral aid in the 2017–2020 period to Africa and the Middle East, 30% to Asia and 15% to Latin America and the Caribbean. The SDC focuses on 14 priority countries and seven priority regions, selected on the basis of various criteria such as levels of poverty and fragility, openness to dialogue, and relevance in regard to Switzerland's development policy and foreign policy.
Economic and trade policy measures within the framework of development cooperation (SECO)
SECO works to reduce poverty through economic development cooperation. It supports middle-income countries in efforts to improve their framework conditions and leverage the economic potential of the private sector in combating poverty. SECO's mandate is to promote sustainable and inclusive growth. In keeping with the 2030 Agenda for Sustainable Development, the focus for the 2017–2020 period is on the social dimension of sustainability. In other words, all segments of the population should benefit from economic growth.
SECO has four target outcomes for its economic and trade policy measures:
- Effective institutions and services: For example, a clear legislative framework and a reliable energy supply are necessary to set up and develop small and medium-sized enterprises (SMEs).
- More and better jobs: SECO helps to create jobs and decent work conditions by investing in companies and promoting international labour standards.
- Enhanced trade and competitiveness: SECO engages at the multilateral, regional and bilateral level to build on its partner countries' economic strengths and sales potential.
- Low-emission and climate-resilient economies: SECO supports measures in urban development, energy supply and resource efficiency in the private sector, for example, to help reduce carbon emissions and improve economic resilience to climate change.
SECO's overarching objective is to promote growth which is sustainable in economic, environmental and social terms, creates employment, increases productivity and helps to reduce poverty and disparities. It also supports partner countries in their efforts to integrate into the global economy and strengthen their domestic economies. Economic governance and gender equality are transversal themes underpinning all aspects of SECO's work.
SECO's priority countries in the South are: Colombia, Egypt, Ghana, Indonesia, Peru, South Africa, Tunisia and Vietnam.
Cooperation with Eastern Europe (SDC/SECO)
In the Western Balkans and countries of the former Soviet Union, Switzerland contributes to the promotion of security and stability as well as sustainable economic growth. The priorities for cooperation with Eastern Europe are:
- Democratisation, decentralisation, local governance and combating corruption
- Health sector reform
- Economic development of agriculture
- Aligning vocational education and training with the needs of the labour market
- More efficient and equitable water management
- Prevention of conflicts and promotion of the rule of law
Around 55% of financial and technical assistance goes to five countries in the Western Balkans: Albania, Bosnia and Herzegovina, Kosovo, Macedonia and Serbia. The remaining 45% is allocated to eight countries of the former Soviet Union: Armenia, Azerbaijan, Georgia, Kyrgyzstan, Moldova, Tajikistan, Ukraine and Uzbekistan.
Swiss cooperation with Eastern Europe – supporting the transition to democracy and a social market economy
Switzerland's contribution to the enlarged EU – a contribution for countries joining the EU since 2004
In addition to its cooperation with Eastern Europe, Switzerland is also contributing CHF 1.302 billion to help reduce social and economic disparities in the new EU accession countries. This contribution to the enlarged EU is allocated to the following countries: Bulgaria, Croatia, Cyprus, Czech Republic, Estonia, Hungary, Latvia, Lithuania, Malta, Poland, Romania, Slovakia and Slovenia. Overall, the SDC and SECO have a budget of CHF 1.302 billion at their disposal for projects in these countries. This funding falls under Switzerland's cooperation with Eastern Europe but is not counted as official development assistance (ODA).
The programmes in the ten countries that joined the EU in 2004 have been successfully completed. In Romania, Bulgaria and Croatia, which joined later, implementation is still under way.
Promotion of peace and human rights (HSD)
The Swiss Federal Constitution (Art. 54) explicitly stipulates that Swiss foreign policy must promote respect for human rights and democracy and contribute to the peaceful coexistence of peoples. The centrepiece of this policy is the protection of individuals and their dignity. Every human being should be able to live in peace, free of fear and need.
The legal basis for this is the Federal Act on Measures pertaining to Civil Peace Support and the Promotion of Human Rights (SR 193.9) (de, fr, it). Within the FDFA, the Human Security Division (HSD) is responsible for implementation.
The HSD is engaged in the following areas:
- Peace policy
The HSD contributes to the peaceful resolution of conflicts through mediation and facilitation or by sending experts. It may take on the role of mediator itself, offer its support in peace negotiations, or make mediators and/or experts available to international organisations.
- Human rights policy
The HSD works to ensure that human rights are respected and supports states in implementing them. Through its engagement in promoting standards of rule of law and democracy, the HSD helps to tackle the roots of radicalisation and extremism.
- Humanitarian policy
The HSD works internationally – in addition to Swiss Humanitarian Aid – to ensure the protection of civilians during and after conflicts, crises and natural disasters.
- Foreign policy on migration
The HSD works to ensure the effective protection of displaced persons and migrants. It promotes a policy on migration based on respect for human dignity and combats human trafficking.
The HSD's geographic focus is on sub-Saharan Africa, North Africa, the Middle East, the OSCE region and individual countries in Asia and Latin America.
Dispatch on Switzerland's International Cooperation 2017–20: Key points in brief
Dispatch on Switzerland's International Cooperation 2017–20 (de, fr, it)
FDFA publications on peace and security
FDFA publications on human rights
FDFA publications on development cooperation
SECO publications on economic cooperation and development


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British Broadcasting CorporationHome
Will England go for a major overhaul or minor surgery after a dismal World Cup campaign?
Mothballing of youth development report illustrates problems facing England
Champions Italy need a win to qualify for the last 16
Dan Walker on an emotional visit to a South African orphanage
Can Sebastian Abreu take centre stage in World Cup semi-final?
Covering sport has changed forever, says James Pearce
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Cancellations: Many events are being canceled due to coronavirus outbreak. Updates here from AJC https://www.ajc.com/canceledevents
Best of Atlanta
Price: $20.00The 'Best of Atlanta Comedy Showcase' features 10 comedians each doing their best 10 minutes of material! The comedians are a mix of touring professionals, and ATL's brightest up and comers. Celebrity drop-ins are also frequent; Ron White, Chris Tucker, Iliza Shlesinger, Clayton English, Jarrod Harris and more have all made an appearance! **New comics every weekend!!** Still not convinced? Fine. According to the Humor Research Lab at the University of Colorado Atlanta's comedy scene is ranked 3rd Best in the Country, beating out both LA and New York! That's just science. MORE... 7 of the final 30 comedians who appeared on NBC's Last Comic Standing Season 9 (2015) are from Atlanta! The prestigious Montreal Just For Laughs Comedy Festival featured four Atlanta Comedians in 2015, and the 2015 Laughing Skull Festival winner and runner up both hail from Atlanta! Lil MORE... Creative Loafing calls the Laughing Skull, "Atlanta's best full-time option for seeing stand up..." CBS Atlanta refers to the Skull as being, "Notoriously known as Atlanta's best comedy club," AND INsite Magazine continues to rank the Laughing Skull Lounge Atlanta's Best Comedy Club in the city! Come see one of Atlanta's most popular stand up comedy shows at THE BEST venue for comedy in Atlanta (not even our words)! ... And if you don't like comic on stage, don't worry, they're almost done! All events at the Laughing Skull Lounge are 21+ and valid ID (Drivers Licence OR Passport ONLY) is required to enter. In the event you forget your ticket, your name & ticket(s) will be at the Box Office. The Box Office is open 30 minutes prior to each show. Tickets will be available for purchase at the door pending availability. If you purchased tickets for the wrong time OR date email, email@example.com to change. The club has a 2 drink minimum, and this includes soda & water. All sales are final. *Open Carry License is NOT a valid form of ID.*


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We recognise that choosing how to invest your money can seem daunting. To help you choose investments that are appropriate to you, we have created risk-related Growth and Income Portfolios from our range of funds designed to help investors achieve their financial objectives.
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The Growth Portfolios are designed for investors aiming to build up the value of their wealth and achieve capital growth over the medium to long term, for example those investing for the future, investing for retirement or investing to pay future school or university fees. There are six Growth Portfolios, with differing levels of risk.
Click on the links below to view the Portfolio factsheet.
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The Income Portfolios aim to generate an attractive and sustainable level of income. These Portfolios may be appropriate for investors who are looking to generate additional income for retirement. There are three Income Portfolios, with differing levels of risk. The higher risk Portfolios will not necessarily provide a higher level of income, but they have greater potential for rising income and capital growth over the medium to long term.
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For more information, about our Growth and Income Portfolios or for a review of your existing investment plans, please get in touch.
The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.


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Summary : About a series of mysterious incidents that are...
Last modified items
- The Penthouse: War in Life [K-Drama] (2020) at 12-01-2020
- Live On [K-Drama] (2020) at 12-01-2020
- Kairos [K-Drama] (2020) at 12-01-2020
- Awaken [K-Drama] (2020) at 12-01-2020
- Voice 3: City of Accomplices [K-Drama] (2019) at 11-30-2020
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Korean Drama
Japanese Drama
Chinese Drama
The story is about a man fighting against the selfish and corrupt government to save the ordinary peasants. Iljimae was abandoned by his birth father and adopted by a Chinese couple. He returns to Korea to find his birth family and realizes how unjust the world really is. He watched as his first love, Dal Yi, was wrongfully put to death. Iljimae then vows to help the commoners from the corrupt government officials.
Soon Jin is the eldest daughter of the owner of Jinsim chicken restaurant. After her mother's death, she is in charge of taking care of her two younger sisters, her father, and the restaurant. To make matters worse, the rival chicken restaurant in town (Woontak) is gaining popularity. Run by the cold-blooded Woon Tak, Soon Jin's in for a fight to be the best restaurant. Of course, her younger sisters also have their own set of issues as well.
Cha Hong Do suffers from social phobia and has a problem with severe blushing. She does have a strong sense of curiosity and learns from books and the internet. One day, Cha Hong Do's grandmother dies. Her grandmother was her only contact to the outside world. Cha Hong Do then begins doing housework as a maid, but disguises herself as an elderly woman. Through an incident, she meets a psychiatrist, Ko Yi Suk
i was watching this show myself and i found that episode 2 is episode 3 (and episode 3 is episode 2). file names are wrong. i will tell if other episodes are like that too.
This drama tells the story of a TV series director Cha Yoon Hee (Kim Nam Joo) and a surgeon Bang Gwi Nam (Yoo Joon Sang) after they get married. Things get complicated when Yoon Hee meets her unreasonable mother-in-law Uhm Chung Ae (Yoon Yeo Jung).
Gon (Jang Dong-Gun) is an assassin-for-hire in the United States. A job goes terribly wrong and he begins feeling regret for everything that he has done. He is then hired for a job in South Korea. His next target is a woman (Kim Min-Hee) who recently lost her husband and daughter.
Movie depicts the Battle of Myeongryang which took place October 26, 1597. The battle involved Admiral Yi Sun-Shin, who had only 12 ships under his command, against the Japanese navy which had over a hundred ships.
Soo-Kyo (Yoon Sang-Hyun), Dong-Soo (Song Sae-Byeok), Soo-Geun (Chansung), Hyun-Jung (Lee Ah-Lee) and the youngest sibling (Kim Ji-Min) become a family through their parent's second marriage. The five siblings get involved in an unexpected case and come to love each other as family.
Hee-Tae met his future wife, Il-Ri, when he worked as a temporary biology teacher at an all girls high school. Il-Ri was a student there. Now, Hee-Tae works as a fishery researcher and spends his days in a typical marriage. One day, he learns that his wife is having an affair with a carpenter. He becomes angry for the first time, but decides to keep his family and wife.
Kimura Takuya returns to Monday nights at Fuji TV as an ordinary salary man, Kindaichi Fumio, who is loved by colleagues and trusted for his ability to protect subordinates. One day, however, things take a 180 degree turn and his life becomes completely flipped upside down. His superiors fix their eyes on him and concoct a plot to bring him down. He is held responsible for a crime he has no recollection of, and is forced to leave his position. More unfortunate events follow as Kindaichi loses literally everything from his cellphone to his home, ending up without a penny in his pocket. Shocked by his losses, he one day meets two children in the park by chance who teach him how to get by without any dependency on money. The greatest thing about Kindaichi's character is that his character never fails him. He always has a carefree attitude and is driven by those people he meets, who love and support him, not by inflicted pain or grudge against others. Despite being the man who has lost all his possessions, Kindaichi continues to move forward, inspiring his former boss, Moai Kengo, and conservative office co-worker, Nikaido Aya, resulting in a big turning point for each of them. What is it that money can't buy? What is the most precious thing in life? A man tells the story of finding that "priceless" something in life, through unpredictable turns and twists with a light comedy touch.
A revenge melodrama about a mother (Shin Eun Kyung) from a well-off family who had lost her son to a tragic accident and later her only daughter went missing as well. Her world is turned upside down when she discovers that her daughter was kidnapped by someone from her own family.
A legal drama about team of young and passionate prosecutors who banded together to fight against injustice and oppression that befall weak and poor people. Besides face many hardships from higher authority, they also learn to cooperate and adjust with the clash of different personalities and backgrounds.
The drama is based on the best-selling serial novels by Nonami Asa, about the lives of two ex-convicts after their release from jail. Komoriya Hako took the rap for her first love, and was sent to jail for seven years. Eguchi Ayaka was serving time for killing her abusive husband. The two met in jail and became fast friends. Ayaka drew strength from Hako's innocence, and regained her will to live. She was released earlier than Hako, as she only had to serve five years, and went on to work at a bakery in Yanaka, Tokyo. Hako's family had disowned her, and wishes nothing to do with her. She moves into her dead grandmother's little place in Yanaka. With each other's support, both Ayaka and Hako start to rebuild their lives. One day, Hako's brother comes to visit and says to her, "I am getting married, and I wish to have your name removed from the family register"..
An ex-mercenary killer is framed for the murder of a renowned corporate leader. He is accompanied by an ordinary doctor who is desperate to save his abducted pregnant wife, and together they embark on a dangerous 36-hour pursuit.
Da Ran (Lee Min Jung) is a girl who is engaged to the brilliant Dr. Seo Yoon Jae (Gong Yoo). She is going to start her work as a temporary teacher in a school and by accident meet a transfer student from USA named Kang Kyung Joon (Shin Won Ho) and because of some coincidences they get to know each other. Recently Yoon Jae behaved coldly to Da Ran and Kyung Joon finds out how much she suffers so he try to help her improving her relationship with Yoon Jae, but he and Yoon Jae are involved in a car accident and both fall into the river. Yoon Jae trys to save Kyung Joon. In hospital Kyung Joon wakes and find himself in the body of Yoon Jae, as his body is lying in hospital and everybody thinks he is in a coma. The only one whom he can tell that he is not Yoon Jae is Da Ran. How he should act as Yoon Jae and not young Kyung Joon and how Da Ran should behave him from now on?
After experiencing several unsuccessful marriage, Qin Sisi became a single mother. One day, a fortune-teller told her that she needed to look for a man with good fate to change her marriage fate. Coincidently, she met the safety guard Lin Zhongfei. What was happening to both of them? How did the seed of love grow in other people's odd eyes and laugh?
A family drama about a college student couple who unintentionally becomes parents and realize the true meaning of love and life.Jang Mi (Han Sun Hwa) is an immature mama's girl who grew without experiencing any hardship in life. Unlike her parents' will to marry her off to a promising man they choose for her, Jang Mi has the hope to marry someone she falls madly in love with. As she dates healthy and innocent engineering student Cha Dol (Lee Jang Woo), she slowly begins to realize the meaning of love.
Daimon Michiko is a freelance surgeon who does not belong to a university hospital's medical department. She goes around various hospitals while affiliated with Kanbara Akira's shady Good Doctors Agency. One day, Michiko is visiting a southern island when she encounters passengers who were injured in a luxury liner accident. One of them is Busujima Ryunosuke, the former hospital director of Teito Medical University's Third Hospital, which she was sent to at one time. Michiko quickly attends to Busujima. That is when she notices something abnormal. Busujima is later admitted to the National Higher Medical Care Centre, a technologically advanced hospital which the country has staked its prestige on in order to show Japan's medical technology to the world. He has a huge heart tumour as well as a ruptured hepatocellular carcinoma. There is a big upheaval regarding this surgery at a preoperative conference because a futile power struggle between the factions of Totei University Hospital and Saikyo University Hospital, which represent Japan's east and west, is intensifying at the centre. This struggle for supremacy has reached the point that it makes even Tendo Yoshihito, the director of the centre, fret. The two factions naturally fight to be in charge of Busujima's surgery and will not give an inch. Michiko suddenly shows up at this savage conference and boldly declares, "Let me operate. He's my patient." However, she gets thrown out unceremoniously. Right after that, the situation undergoes a complete change. The men of both factions hire Michiko and contemplate how to tip the power play in their favour. In the end, Michiko is employed as Busujima's attending physician. But of all things, the man himself is dead set against being operated by her … … Following her own conviction to save the lives before her and to keep doing this as long as she lives, Michiko pushes on and starts to shake things up again.
Oh Hye Sung met Choi Eom Ji when they were young and didn't meet her again til they were in high school. However, at that time Eom Ji was the girlfriend of a star baseball player, Ma Dong Tak. Hye Sung pitched a perfect game in his professional debut but injured his arm in the process. Doctors told him that it would be unlikely for him to ever play baseball again. Devastated by what the doctors told him, Hye Sung disappears without a trace to an isolated island to train on a professional baseball team under a coach with very unorthadox methods . After several years of training, Hye Sung returns to find everything has changed.
Yi-Hwan (Lee Min-Ki) is a former professional baseball player. He was involved in fixing games and lost everything. Gang boss Sang-Ha (Park Sung-Woong) runs a money lending business and a gambling location. He makes Yi-Hwan work for him. Meanwhile, Yi-Hwan falls for bar owner Yeon-Soo (Lee Tae-Im).
Six young people with different personalities and different backgrounds move into a boarding house together. What they don't realize is that it's not mere coincidence they're new roommates: it's all the owner's doing. A bachelor and a playboy, the owner (Kim Kwang Kyu) recently discovers that he has a child who's about 24 years old and born in the late summer. Curious as to who his child is, he brings these six young strangers together to find him/her.
The Uncanny Counter [K-Drama] (2020)
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"I went to this shop earlier this week and talked with some of the staff to discuss my engagement ring. It was a bit scary picking a ring but the ladies there helped me a lot and showed me lots of them. And we picked a ring that was about what we wanted to spend. Really helpful people and really good rings and lots of antiques and other stuff."
Victoria & Albert Antiques Sydney
"Great shop, great service, great range. Thumbs up."
Victoria & Albert Antiques Sydney
"Thank you so much for your wonderful help. Last minute gift in the city and you saved me! Forgot anniversary, online search, found you close by in the Strand Arcade and voila gift in hand. "
Victoria & Albert Antiques Sydney
"Purchased my engagement ring from V & A Antiques Sydney - for something different went with an antique ring rather than a modern contemporary wedder. Staff were fantastic - really friendly and helpful. Would highly recommend."
Jewellers Sydney
"The engagement ring we purchased has had so many great comments. i'm sure there is no other one like it and I must say that the personal service and advice were very much appreciated.
Sally Stierson on 24th Apr 2014
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text:
- Description
DetailsAmateur Games: 31. Passive Play When Ahead ECO: A45, Opening: Queen's pawn game What's better than learning from one's errors? every coach or master tells us that we need to review our games, to learn from our own mistakes. NM Dan Heisman, in his series "Improve Your Chess", provides instruction by reviewing amateur games played on ICC and showing where the players went wrong and how to improve. In the learning process, it's useful to have a Master analyze amateur games, compare mistakes with good moves - often played in high-level games - and explain where thing went wrong. this series is a great way to improve your chess!
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|Find the best dive sites
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Datum: WGS84 [ Help ]
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From Great Harbor
How? By boat
Distance Good boat time (< 30min)
Easy to find? Hard to find
Average depth 21.3 m / 69.9 ft
Max depth 25 m / 82 ft
Current Medium ( 1-2 knots)
Visibility Good ( 10 - 30 m)
Dive site quality Good
Experience CMAS ** / AOW
Bio interest Interesting
Week crowd
Week-end crowd
- Reef
- Shoal
- Marine biology
- Photography
Spotted Eagle Rays and many tropical fish. This is one of many dive sites discovered by Jost Van Dyke SCUBA that they want to remain their own
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VISIT-X is an offering of VISIT-X B.V., Krijn Taconiskade 424 Unit 3-6, NL-1087 HW Amsterdam (hereinafter: "VISIT-X"). This is a directory service (hereinafter: "Service") by which providers (hereinafter: "Providers") may present themselves to the visitors of the website (hereinafter: "Users" or "you") and enter into direct contact with them. The Providers offer Users various means – in some cases subject to payment – of exchange, with exchange of erotic content also being tolerated. The focus in this regard is on the paid video chats of the Providers arranged by VISIT-X.
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The Dance Providers Directory is a fantastic opportunity to search for Organisations/Practitioners who are already contributing to dance within the region, to help build a bigger picture of NorthWestDance activity.
Please note however that through inclusion in the Directory, NorthWestDance is not acting as an advocate for featured Organisations/Practitioners. North West Dance cannot accept responsibility for the quality of work of any listed profiles or any error or omissions in the information provided.


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365 day returns, first return free
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"Contestant" shall mean participants who are Indian citizen and a permanent resident of India who are in the age above 15+ Years.
Details of the Program: The Program will be effective from 7th Feb. 2019 till 16th Feb. 2019 (12:00 AM)
Eligibility criteria for participation in the Program: The Program shall be applicable for individuals who are: Participants with valid identity card for purpose of validation in case asked by the organizer Residents of India, and Above 15 (Fifteen) years of age.
Contest entries in the form of photographs must be received between 7th Feb. 2019 till 16th Feb. 2019 (12:00 AM). Entries not received within the time/tenure specified above shall not be considered for the Prize.
All the Contestants must share their Name, Surname, Email Id and Mobile No. while uploading their photographs.
Contestants can upload up to 3 Photographs.
Photographs need to be uploaded in JPEG, Gif and PNG format only. The size should not be more than 1 MB.
The Selection of Winners will be decided by Lokmat.com Jury Panel.
Jury will select 10 Lucky winners based on their quality of photographs and will get Attractive gifts.
Lokmat.com's decision on the selection of best entries shall be final and binding on all the Contestants.
In case, where the winner selected has given any incorrect information at the time of registration or if all the relevant information is not furnished or if the residential communication address is outside of India, then in such case his or her selection will be cancelled and his or her name will be replaced by a new winner which shall be selected through selection method as determined by Lokmat.com Jury Panel.
The Winners will be declared on
Valentine Day 2019
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Once the Prize is delivered at the address shared by the Contestant, the Contestant shall have no further claim on account of the Prize.
Lokmat.com reserves the right to extend, cancel, discontinue, prematurely withdraw, change, alter or modify this Program or any part thereof at its sole discretion at any time during its validity and without notice or any obligation, as shall be required in view of business exigencies and/or changes by regulatory authority and/or statutory changes and/ or force majeure events and the same shall be binding on the Contestant.
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text:
1960s black silk blend sheath dress. Sleeveless and a scoop neckline. The waistline has a defined waistline with a built in belt and a fabric bow. The beautiful large lace panel with nude backing gives this dress a uniqure flare. The back of this dress is low scooping and gives it an added appeal. Zipper closure running up the back of the dress.
Size: Estimated small (see measurements)
Label: None
Measurements (taken laying flat):
Shoulders - 15"
Waist - 13"
Bust - 17"
Hip - 19"
Dress length - 39"
This dress is in good vintage condition. No major flaws, stains, or tears.
For more vintage dresses click here:
If you need other measurements, have any questions, or would like a quote for faster shipping please message me!
International buyers please use Paypal and direct check out only.
Local to Saskatchewan please contact us if you would like to pay via e-transfer.
We ship Small Packet Regular Mail through the Canadian Post. This service is does not provide tracking but is the most cost effective. If you would like to upgrade to tracked packet, expedited or express mail, please feel free to message me and I will get a quote for you.
If you are ordering from Regina, SK please use the coupon code LOCAL to drop shipping charges and pick up or delivery arrangements can be made.
Estimated Delivery Time (from Canada Post) :
Canada - 5-6 days
United States - 7-10 days
Europe - 3-6 weeks
Australia/ Asia - 3-8 weeks
If shipping costs are overestimated I will happily refund differences that are over $1.00.
Our store will not be held responsible for items lost in the mail due to post office errors. Please contact me if you would like proof of shipping or require assistance with this.
Request a cancellation within: 2 hours of purchase
But please contact me if you have any problems with your order.
All customers wishing to make returns will be reviewed on a case by case basis, primarily only if there was a significant error in the listing. Shipping charges are non-refundable. Returns due to poor fit are not accepted.
it is important that you love your purchase! This means ensuring your item is well suited for you, please read the vintage sizing information & double-check and compare the listing size and your own size to get the best fit. If you are unsure and have a question about the size or appearance of an item, contact me and I will happily send you more pictures or take additional measurements. It is important that you love your purchase!


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by: Justin Ternet
Un sabre cassant un cadenas.
Tags: break, crack, drm, hacker, hacking, illegal, locked, piracy, pirate, protection, security, software, unlock
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Rea Securities Lawyers
John C. Kennyhertz
Kansas City, MO Securities Law Attorney
(816) 527-9447Washburn University School of LawUniversity of KansasKansas and MissouriMissouri Lawyers MediaState Bar of Kansas and The Missouri BarCash-Strapped? It Might Be Convertible Weather and Table of Experts: Mergers & Acquisitions — Setting the Stage for Successful Business Transitions
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(314) 563-2490University of Notre DameUniversity of Notre Dame8th Circuit, U.S. District Court, Central District of Illinois, U.S. District Court, District of Massachusetts, U.S. District Court, Eastern District of Missouri, U.S. District Court, Southern District of Illinois, U.S. District Court, Western District of Missouri, U.S. Supreme Court, Missouri and MassachusettsNASAA/NITA, Missouri Office of Prosecution Services, Missouri State Bar, Missouri Office of Prosecution Services...St. Louis County Bar Association , Bar Association of Metropolitan St. Louis...Perpetual Confusion: The Use of Prior Inconsistent Statements in Certain Criminal Proceedings, Public Colleges and Universities as State Agencies: Standards for Eleventh Amendment Protection...
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The LII Lawyer Directory contains lawyers who have claimed their profiles and are actively seeking clients. Find more Rea Securities Lawyers in the Justia Legal Services and Lawyers Directory which includes profiles of more than one million lawyers licensed to practice in the United States, in addition to profiles of legal aid, pro bono and legal service organizations.
Researching Attorney Discipline


text:
Free shipping throughout Italy for orders over € 30
safe and immediate payment
if you do not have a PayPal account, you can use your credit/debit or prepaid card as a PayPal not registered user.
You can pay cash on delivery cash only purchases that do not exceed a value of € 99. Finally, remember that the carrier is not allowed to give change
Order processing and product delivery is estimated within 5 working days. This timeframe is calculated from the date of confirmation of the shipment, which may vary depending on the availability of the items purchased.
During the sales' perdiod the times of delivery could postpone him.
Deliveries abroad are made within 15 working days.
When the order is shipped, Customer receives an e-mail from the Courier, specifying the tracking number to monitor the shipment on-line.
Our products are original and new.
It's possible to request the return within 14 days of calendar from the date of delivery of the product, following the instructions in the section Return policies and filling in the return form which can be downloaded in the same section.
The product shall be returned new, never used, not damaged, in the original bags they have been delivered. All labels and security seals shall not be removed.
£ 72,18
£ 36,09
£ 50,51
£ 36,07
£ 50,51
£ 36,07
EXPRESS SHIPPINGDelivery throughout Europe
FAST PAYMENTSFast and secure payments. Thanks to Paypal
PICKUP IN STOREBuy Online, collect in store
FREE RETURNIn 14 days. Even in the store


text:
It's February 5, and that means the much-discussed 128GB iPad is now available for purchase. Announced just last week, the maxed-out fourth-generation, full-size iPad starts at $799 for the Wi-Fi only model, or $929 for Wi-Fi + Cellular. As of this writing, the device appears to ship almost immediately here in the US—one to three days for the Wi-Fi model and three to five days for the LTE version.
Who, exactly, is buying this monstrous (and monstrously expensive) iPad with so much storage space? Apparently a good number of you. When we polled our readers after the announcement last week, we received more than 10,000 responses with nearly 20 percent saying they planned to buy one. As for the reasons, 14 percent said they were doing so because they're running out of room on an existing tablet or smartphone, while just under 5 percent said the 128GB iPad appealed to them because it finally has the capacity they need to replace another computing device.
There were more Ars readers—about 80 percent, in fact—who said they weren't going to buy a 128GB iPad anytime soon, though nearly 10 percent of those were Android users who said they wouldn't mind a 128GB Android tablet. Another 6.5 percent said they had no interest in tablets whatsoever, so they're not buying anything of the like.
Still, the numbers show that while the 128GB iPad with retina display isn't for everybody, there's certainly a segment of the market that is interested in such a high-capacity tablet from Apple. Have any of you who claimed you would buy one decided to back out now that you've had a week to cool off, or are you still gung-ho on the purchase?


text:
England | Scotland | Wales | Northern Ireland | Ireland
Get the latest NHS information and advice about coronavirus (COVID-19).
Get a test to check if you have coronavirus
Download the NHS COVID-19 app
Check if you or your child has coronavirus symptoms
Find out about the main symptoms of coronavirus and what to do if you have them.
Testing and tracing
Get a test to check if you have coronavirus, understand your test result and find out what to do if you're contacted by NHS Test and Trace.
Self-isolation and treatment if you have coronavirus symptoms
Advice about staying at home (self-isolation) and treatment for you and anyone you live with.
People at high risk
Advice for people at higher risk from coronavirus, including older people, people with health conditions and pregnant women.
Social distancing and changes to everyday life
Advice about avoiding close contact with other people (social distancing), looking after your wellbeing and using the NHS and other services.
COVID-19 support recovery service
'Your COVID Recovery' helps you to understand what has happened and what you might expect as part of your recovery.
GOV.UK: coronavirus – guidance and support
Government information and advice.
GOV.UK: local restrictions – areas with an outbreak of coronavirus
Local outbreak advice.
Merchiston SurgeryHighworth RoadStratton St MargaretSwindon, Wiltshire, SN3 4BFTel: 01793 823307
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Kit Heath Novo Grande Disc Pendant - 90215HP027
|Kit Heath
|Kit Heath
Novo disc pendant from Kit Heath's Stargazer Collection, measuring 30 x 23mm. Supplied on a 16 to 18 inch chain. Kit Heath jewellery is made in solid sterling silver and each piece is rhodium plated to prevent tarnishing and ensure long lasting beauty. Supplied in a deluxe Kit Heath presentation box.
Novo disc pendant from Kit Heath's Stargazer Collection, measuring 30 x 23mm....
At Macintyres we pride ourselves on our extensive expertise. No other jeweller in Scotland has two full-time award winning gemmologists and two qualified diamond fellows of the Scottish Gemmological Association.
We are happy to share this knowledge with you and ask that you call us on 0131 220 4252 during working hours if you have questions regarding any of the items on our site.
Our spacious 3,000 sq ft showroom has reopened. We are delighted to welcome you back to shop with us in-store, no appointment required. We have completed a full risk assessment and updated our ways of working to protect both our customers and staff and to ensure we provide a safe and enjoyable experience for you in-store.
As well as the four C's of diamonds, we now have the four S's in place; Sanitiser, Safety shields, Sneeze screens and Social distancing, so you can visit Macintyres showroom safe in the knowledge that all you will be taking home with you is a stunning piece of Macintyres jewellery.
WhatsApp and Zoom consultations are also available.
Monday - Saturday: 9:00am - 5:00pm
Thursday 3rd, 10th and 17th December: 9:00am - 7.00pm
Sunday 13th and 20th: 12:00pm - 4:00pm
Directions to showroom
Address: 2nd floor, 26 Frederick Street, Edinburgh, EH2 2JR
|Delivery Type
|Standard UK Delivery - 2 to 4 working days*
|£5.95 - FREE on orders over £50
|Express UK Delivery - order before 1pm for next working day delivery*
|£9.95 (VAT included). FREE on orders over £150.
|Collect your order in-store for free. We will contact when your order is ready to collect.
Delivery times may be longer for special orders or items that require sizing. If we foresee a delay in delivering your order within this timescale, we will contact you.
|£12.50 (VAT Included)
|Rest of World
Please be aware that if your country is outside the EU you will not be charged UK VAT but your item may incur import duty in your country. This charge will be invoiced directly to you (if you are having it delivered to yourself outside the EU) or to the recipient by the carrier upon delivery. If you wish to know the amount chargeable please contact you or the recipients local outside the EU tax authority.
We offer a 30 Day Money Back Guarantee for online purchases* (please note exceptions below). Returns can be made in-store or by post.
* Exceptions - Personalised, special order items and pierced jewellery cannot be returned unless faulty. Items purchased in our showroom can be returned for an exchange or credit note within 30 days. We do not offer refunds for items purchased in our showroom.
Read Our Full Returns & Exchange Policy
Macintyres is an Exclusive Membership Club. Our mission is to bring you high quality jewellery, watches, the latest brands and gifts at approximately half the high street price. We have Scotland's largest jewellery showroom with thousands of dazzling items, from simple silver earrings to the most gorgeous engagement rings. Best of all MEMBERSHIP IS FREE.
We can GUARANTEE that if you work for any of the banks, building societies, insurance companies, forces, NHS, local councils or educational establishments then you WILL already have free membership and there are about 8,000 other companies that are members too.
To register in store, you can either bring a temporary account card - supplied when the account has been set up - or proof of employment (for example an ID card or payslip).
At Macintyres we have the highest qualified staff possible including our expert diamond graders and gemmologists and we believe that, like us, our customers want quality and value.
We personally select all our diamonds to ensure the best possible value for money. We hope the following information will help you understand the characteristics that affect the value of a diamond.
We work only with the most reputable and regulated diamond suppliers, so you can be confident your diamond has been mined and processed in an environmentally and socially conscious manner.
Many of Macintyres' diamonds come with independent certificates confirming the quality and cut grade of the individual stone. These certificates are prepared by diamond grading laboratories of international renown such as GIA, HRD, IGI and EGL. These labs will also confirm that the diamonds are natural and have not been treated in any way.
Beware of other diamond sellers who provide obscure certificates or self-certify their own stones.
When you think of the cut, you probably think of the shape of the diamond. You are partially correct but while cut does refer to the shape it also refers to the proportions of how the diamond is actually cut. Diamonds are cut into many different shapes, reflecting not only popular taste but the proportions and quality of the rough diamond.
The most popular diamond cuts include Round, Oval, Square, Princess, Emerald, Baguette and Marquise. Many speciality shapes are also available.
A diamond's overall proportions as well as the size and placement of its many reflective surfaces or facets, also play a large part in "cut". The consistency and balance of these can greatly affect how the stone captures light and reflects it back to the eye.
The size of the diamond is measured not by its dimensions but by weight. One carat, the traditional unit of measure for diamonds, is equal to 0.2 grams. You may also hear the weight of a diamond referred to in points. A point is equal to 1/100 of a carat. Therefore a 75 point diamond equals 0.75 carat. Diamonds of equal weight may appear slightly different in size, depending on their depth and proportions. Because they are quite rare, larger diamonds of gem quality are much more valuable.
With the exception of some fancy coloured diamonds, the most valuable diamonds are those with the least colour. The colour scale for transparent diamonds runs from D-F (colourless), G-J (near colourless), K-L (faint yellow) to Z (light yellow). Completely colourless diamonds are rare. When diamonds are formed with traces of other minerals, rare and beautiful colours can result. These "fancy" colours range from blue to brilliant red, brown, pale green, pink and violet. Because of their rarity, coloured diamonds are highly desirable and may be quite valuable.
Diamond clarity is measured by the existence or absence of visible flaws. Tiny surface blemishes or internal inclusions, even those seen only under magnification with a jeweller's loupe, can alter the brilliance of the diamond and thus affect its value. Clarity levels begin with flawless (F&IF) and go down to Very Very Slight (VVS1 &VVS2), Very Slight (VS1 & VS2), Slightly Included (SI1 7 SI2) and Included (I1 & I2 & I3).
Along with all Macintyres products, our gemstones and diamonds are ethically sourced and conflict free. All diamonds are purchased from legitimate sources not involved in funding conflict in compliance with United Nations' resolutions and the Kimberly Process.
We will be more than happy to accurately measure your finger in-store and offer advice on the most suitable size. Alternatively, order your FREE Multisizer Ring Gauge by emailing us, including your full name, postal address, or by phone on + 44 131 220 4252 (Mon-Sat 9am to 5pm).
If you know what finger size you require, please select it from the drop down list before clicking on the Buy Now button. If the ring is a gift or you are unsure of the finger size, we recommend that you purchase it in the stock size available, selecting Not Sure from the list of size options. The ring can then be adjusted or ordered in the correct size.
All Macintyres' diamond and gem set rings are unique. Each one is hand crafted to individual specifications, including finger size. Most can be adjusted to fit a UK finger size range of "K" to "O" and will supplied at the prices stated. Finger sizes beyond this range, J or below and P or above, may have to be specially made. Special orders may take longer to supply and may incur a surcharge. We will contact you by phone or e-mail to discuss your individual requirements.
Standard wedding bands are available in ladies' sizes from I to O and in gent's sizes from P to Z. Most sizes are available from stock. If we are temporarily out of stock we will contact you with an expected delivery date.
Diamond set and bespoke wedding bands are made to order in your size and will take longer than our standard delivery times. We will contact you with an expected delivery date. Special orders cannot normally be exchanged.
This privacy policy sets out how Macintyres of Edinburgh uses and protects any information that you provide when you use this website.
Macintyres of Edinburgh is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.
We may collect the following information:
We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:
You may choose to restrict the collection or use of your personal information in the following ways: whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes. If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us at email@example.com.
We will not sell, distribute or lease your personal information to third parties unless we are required by law to do so.
We may use your personal information to send you promotional information which we think you may find interesting if you tell us that you wish this to happen.
If you believe that any information we are holding on you is incorrect or incomplete, please write to Accounts Manager, Macintyres of Edinburgh, 2nd Floor, 26 Frederick Street, Edinburgh, EH2 2JR or send an email to firstname.lastname@example.com.
We will promptly correct any information found to be incorrect.
Thank you very much for submitted your Company Registration request.
A member of staff will be in contact very soon.


text:
There is no known route history.
Overall quality 67 from 2 ratings.
Learn about creating circuits.
Check out what is happening on Pantera (note there is an unresolved system issue where ascents logged before 2010 are not displayed in the stream below). If you just want to see beta then click on view ascents with beta.


text:
Borrowing £7,500 on a Hire Purchase agreement over 48 months, a representative APR of 18.5% and a deposit of £0.00, the amount repayable would be £216.89 a month, with a total cost of credit of £2,910.72 and a total amount payable of £10,410.72.
Your use of this site is subject to our terms & conditions of use and our privacy policy.
© 2020 Exchange Enterprises, Newsquest Media Group. All rights reserved.
Exchange and Mart is a trading name of Newsquest Media Group who is an Appointed Representative of Whichdeal Limited. FCA Firm Reference number 750681.


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Hours: M-F 9am - 4pm CST
Free shipping, orders over $69
The Red Zone is a
certified authorize.net merchant.
We are also 100% PCI compliant,
utilizing secure servers to transmit and encrypt all credit card and personal information.
We hate SPAM as much as you, we never have and never will share your info.
Our return policy is simple. If you are not completely satisfied with your purchase for any reason, simply send it back to us within 120 days and we will refund you the total cost of your merchandise.
View Full Return Policy and Instructions »
1. If you are not satisfied with your order for any reason, simply send it back and we will make it right, it's the Husker way.
2. If you have any problems with your order, you can e-mail or call and you will always get a real life Husker fan to help you with your order.
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Customer Service: 13715 A Street, Omaha, NE 1.800.718.1982
© 2020 Red Zone, Inc.
Red Zone® is a Registered Trademark of Red Zone, Inc.
100% Safe & Secure Transactions


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The Tuscany Casino in Las Vegas
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|Normal - Content that is suitable for ages 16 and over
BitChute needs your help! We have been deplatformed by service providers and we are in the process of moving providers. If you experience an issue this is likely the cause. Please consider helping at this critical time.


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Welcome to Research magazine's Advisor Hall of Fame, now in its 22nd year. This eagerly anticipated annual feature has become a benchmark of excellence in our industry and an example to all of the rewards that result from effort and integrity.
Candidates who pass our rigorous screens have served a minimum of 15 years in the industry, have acquired substantial assets under management, have demonstrated superior client service and have earned recognition from their peers and the broader community for the honor they reflect on their profession.
Finding the nation's finest financial advisors was made possible by our panel of four distinguished judges: Ronald L. DeLegge, editor, ETFGuide.com; Bill Good, chairman, Bill Good Marketing; Jay Nagdeman, president, Suasion Resources; and Stan Selbst, vice president, SmartPros Ltd.
Susan Colpitts
When Susan Colpitts co-founded Signature in 1994, there was something missing from the financial services landscape: the multi-family office. So she and her partner created one.
"When we started, they didn't exist—anywhere," says Colpitts, a CPA. "It was novel at the time for a firm like ours to be owned by principals as opposed to being owned by a family. And we liked being fireable because it kept us good every day."
By any measure, Norfolk-based Signature has gone from good to great.
The fee-only firm that started out with three employees and no clients now has 32 employees, offices in three cities, and $2.5 billion in assets under management. Colpitts herself manages $560 million in assets for 18 wealthy families.
Why a multi-family office? Back in the 1990s, Colpitts was working as a CPA inside a boutique law firm run by Signature co-founder Anne Shumadine. The firm served a couple of very wealthy families. The problem: The complexity of managing different aspects of that level of wealth—investments, philanthropy, income taxes and estate planning—couldn't be addressed within the framework of a law firm.
"Most RIAs start out with investments and add services," says Colpitts, 55. "We started backwards. We didn't come at this with a preexisting notion of what investments should look like. We addressed it almost like a research project: If you could build any investment solution, how would you build it?"
The partners settled on an endowment-like model with the additional requirement that it had to be tax-efficient. After the 2001-2002 downturn, they realized they needed to have access to alternative investments so they built a hedge fund solution—pooling clients' assets to get the best managers at the best price point. In 2008, they made another adjustment by instituting a long-only equity fund.
The business plan from the start was to develop Signature as a one-stop shop for, as Colpitts puts it, "the working rich." The plan worked. Unlike many family offices, 85% of Signature's asset base represents first-generation earned wealth. The firm's minimum for new clients is $5 million in investable assets but Colpitts spends the majority of her time on family-office clients with more than $20 million in investable assets and complex problems. A liquidity event often brings the client to Signature's door.
"In the last several years, we've realized we are really good at working with the individual who has had his head down, building the business day in and day out and running that business," says Colpitts, who holds the Personal Financial Specialist designation and started her accounting career with Price Waterhouse. "They're not thinking about wealth. Suddenly, they sell the business and they have incredible opportunities—and a lot of decisions to make. Every client is different in that moment."
When she begins a conversation with a new family, she starts with a series of questions, including: How do you wish to be involved in philanthropy? How do you replace the paycheck? How do you make sense of the lifestyle? Notably, everyone in the firm trains with a psychologist so that they can help clients express feelings that might otherwise remain unspoken.
"We're trying to figure out what their investment personality is. They might say: 'I don't want to take any risk with my investments.' If you don't know how to open that up, it could be a door-shutting comment," says Colpitts, whose firm also has offices in Charlottesville and Richmond.
"We want to get at the root cause without putting them on a couch—keeping them in a conversation in a vein that's comfortable but exploratory. They may have had advisory relationships before but it's never mattered so much," she adds. "They've taken the baby they birthed and grew for 20 or 25 years and converted it into a pile of money. Some can't stand the notion of making a mistake with it because it's so precious."
Colpitts, the go-to person at Signature for complex corporate and personal income tax structures, also frames the client's personal balance sheet within a business context—in other words, in language that is instantly understood. "It's a little less squishy," she notes. As well, she helps families with other issues that might affect their lives: private aviation, personal security, public relations and household staff management. "Generally there's a financial piece to it," says Colpitts. "If you run a business, you would have your CFO or COO do this work. Again, there's a business parallel."
Colpitts, who leads Signature's client services team, is Signature's brand builder. As the firm's CEO Randy Webb observes: "What Susan does is challenge, engage and energize this team around the idea: If every Signature client were in a room no matter what level of wealth, they could compare their experience and the picture they paint would be the same. That's huge. And it's working."
Why Signature? Having been a CPA, Colpitts watched a lot of people sign a lot of things with their own unique signature. Signature clients, signature solutions, a signature firm.
"It's not that our clients have to fit into our boxes. We construct what they need and what they want and we do so in an environment of excellent planning and execution. We try to spend a lot of time just thinking in behalf of our clients," says Colpitts. "We're aiming before we shoot."
Lynn Faust
Talk about a career of "firsts." Not only was Lynn Faust the first female branch manager at Raymond James & Associates, she was also the first woman to serve on its executive council. With $350 million in assets under management, she is—no surprise here—one of the firm's most successful advisors.
No wonder Dennis Zank, COO of Raymond James Financial, says of Faust: "Because of her enthusiasm, professionalism, dedication and willingness to give back, we wish we had many more Lynn Fausts in our firm."
Faust, who describes herself as "driven" and "motivated," does do things in an outsize manner. As an example, she has excelled at not just one career—but two of them. Faust, who grew up in a family of educators, taught elementary and middle school children for 12 years. After redesigning a university-level financial planning course, she decided to stick with teaching—only this time as a financial advisor.
"Education is a passion of mine. It's how I got into the business; it's why I got into the business," says Faust, 64. "Teaching is my natural talent. It's taken me wherever I've gone."
Faust joined Waddell & Reed as a planner in 1979, then jumped to Paine Webber in 1981. A Raymond James & Associates advisor since 1988, Faust today serves 103 households with a typical account size of $2 million to $5 million. She also specializes in executive financial planning, working with senior executives in corporate settings.
While she has made history at Raymond James, Faust treats her groundbreaking performance strictly as a matter of fact. As she puts it: "I wanted to be a branch manager. It was something I was qualified to do, I was asked to do, and I did it like anyone else. I don't carry a banner. I never felt like I needed to."
As a producing branch manager, Faust for six years ran a Raymond James & Associates office in Greenville, S.C., that at its peak had 29 employees, including 16 advisors. Her chief challenge at that time: teaching employees to be organized.
"I think the biggest problem in this business is putting organization into your day. There are so many multi-tasking things you have to do. Some of those things you're going to love, some you're not going to like doing at all. The tendency is to do only what you like to do. Eventually, you need to hire to your weakness," says Faust, who ranked as the largest producer in her office and region while running the branch. "You're not going to be successful without putting organization into your practice and learning to do what you like least to do first. That's what I brought to the table."
In 2001, Faust gave up the branch to focus on her own practice with her son and business partner, Michael Faust. Ever the teacher, Faust helps clients create what she calls their "financial masterpieces of life." When she first meets with a client, Faust starts out with a visual cue: a paper copy of a painting by Van Gogh or Matisse or another great artist that she then cuts into pieces.
"The cut up pieces represent the different phases of life, different goals and objectives: education, retirement, estate planning. It's one way I help people understand there is more to money than just paying your bills and balancing your checkbook," says Faust, whose Greer, S.C.-based team includes four advisors and three assistants. "I never throw the pieces away. They all go into a client folder."
Faust also believes in keeping client conversations short.
"Advisors frequently do not realize that adults have an attention span of 15 to 20 minutes. You need to learn that when you present a financial plan, there is no way you are going to present everything at once," Faust says. "Before a meeting, I determine what I can accommodate in 15 minutes that will hold your attention. That's why teaching skills are the real essence to the success I've had in business. Clients feel I'm connected to their needs."
"I also help clients understand how to achieve their goals. I don't leave them out. And I use very simple explanations. Advisors as a rule tend to justify themselves by being very technical," adds Faust, whose gold service standard includes a visit each year to all of her clients' accountants. "I don't think that wins the day."
Faust is nothing if not nimble, an attribute she believes that, along with teaching, underlies her success.
"I'm never not energized. It's true of anything I've ever done. I was not a burned out teacher. I've enjoyed everything I've ever done," says Faust. "And I'm not afraid of change. If you're not flexible, you will not be successful in this business. You can't learn how to do it one day and do it that way for the rest of your life. That's good for me. I'm Type A. It's energizing. If this business is a passion for you, the way it is for me, you won't ever want to leave it."
Lorayne Fiorillo
A lot of elite advisors like to say they offer white-glove Ritz-Carlton-style service. Lorayne Fiorillo isn't one of them.
"We take the gloves off and get down and dirty," says Fiorillo. "Need a CPA who practices before the IRS to help with an audit—on a Saturday during a blizzard? Give us a call. Buying a car and need someone to negotiate with the dealership? Give us a call. If it's beyond our professional capabilities, we'll find someone in our professional network that can get the job done. We're the cavalry who brings in the big guns or brings over the chicken soup. Whatever it is, the job gets done."
Fiorillo, who heads Fiorillo Financial Strategies Group, recently marked her 25th year as an advisor, and yet she approaches each day with exuberance. It's not unusual for her to schedule 13 client appointments in a day. "A lot can change in somebody's life," says Fiorillo, 55, who likes to check in with clients as often as once a month. "It's why we talk to people constantly. Plus, it's so enjoyable."
Clients, she says, are like snowflakes—each one different from the next. "Just because someone is 55 with two kids, you can't put them in a box," says Fiorillo, who manages $235 million in assets for 300 households. "It's not one size fits all."
And neither is Fiorillo's approach to money management.
While she was one of the first to embrace professional outside money managers, she brought portfolio management in-house 10 years ago after the Internet bubble tanked. "I bought into the idea that all they do all day long is manage money; they're better than I was," says Fiorillo. "You know, they weren't." Today, she and her partner, Frank Pranio, use fundamental and technical analysis to build portfolios that include individual stocks, bonds, options and a broad array of ETFs. They also do a lot of covered call writing.
"The two of us manage it. It's like playing the piano with four hands," says Fiorillo. "Investing with us is like hiring a custom tailor. Everything is fitted to your exact measurements and then adjusted frequently to accommodate for life's inevitable changes. We make sure that your investments suit you perfectly."
Fiorillo originally set out to become a doctor but switched to finance because she considers it, too, a helping profession. She got her start with Prudential Securities in Charlotte, N.C., where she still has many clients.
"The first time I went with Lorayne to Charlotte to meet her clientele at an event we hosted, it was like they revered her like a rock star," says Pranio. "At the end, people came up to me and said: 'What's it like working with Lorayne?' as if I was in the presence of a celebrity."
Admittedly, Fiorillo does have an outsize personality. "She's found prospects riding the Metro North and at the opera. The fact is she loves what she does. She has that passion," Pranio adds. "I sometimes sit here and look over at her and hear that exuberance and hear her 'Yippees!' She just enjoys what she does. It's genuine."
Not surprisingly, given her energy, Fiorillo fits a lot into her life. There's her husband, a vet, and her 15-year-old son Max. At the moment, she is working on a charity event she is sponsoring for the Mecklenburg Medical Alliance and Endowment in North Carolina. "I'm ADHD when it comes to philanthropy," she notes. Fiorillo also hosts a cooking show, Everyone Can Cook, for her local cable TV station. And she's working on several writing projects.
One thing's for sure, she is a communicator—and across platforms. She's written a book, Financial Fitness in 45 Days: The Complete Guide to Shaping up Your Personal Finances. Until a few years ago, she was a personal finance columnist for Entrepreneur magazine. And when she still lived in Charlotte, she served as an on-air financial expert for a local TV station.
But, clearly, her big passion is for her clients.
The size of Fiorillo's accounts are all over the place but, as she puts it: "I believe in dancing with the one that brung you. I have clients with $400,000 with me and $15 million to $20 million with me. People ask me, 'What's your minimum?' It depends on how much I like you. Sometimes people really need help and they're a nice person. I want to help them." In addition to individuals, Fiorillo has two specialties. One is working with medical and veterinary practices, the other managing guardianships for people who have been declared incompetent.
Twenty-five years out, Fiorillo says her most important achievement is "how my clients feel about me."
"One client, when she talked about working with me, said that when her CPA first introduced us, she thought I was a little weird. Now, that she has known me for 25 years, she is sure I'm weird, but I have also become her family's most trusted advisor," Fiorillo says. "Whenever anything goes wrong, she told me, no matter what it is, everyone says: 'Call Lorayne.'"
Victor Hazard
Back in the mid-1980s, an entrepreneur named Herb D. Vest kept phoning Victor Hazard, inviting him to join a radical new start-up: a nationwide network of tax professionals who also offer investment advice.
"He called several times and I said we weren't interested. Finally, one day, I listened to him for half an hour and it seemed to make so much sense," says Hazard, a CPA who heads Hazard Financial in Lomita, Calif. "Why not offer full financial planning? It allows you to do such a better job for your client. Why not take it to the next step?"
Hazard, 69, was one of the early adopters of the pioneering business model and his practice today looks a lot like what Herb Vest envisioned 25 years ago.
As H.D. Vest president and COO Roger Ochs puts it: "He's the stereotype of the successful CPA and financial advisor who not only prepares tax returns but, more importantly, helps clients with all their financial needs. That was the vision 25 years ago, and that's the vision today. Victor just does it better than most of us."
Hazard got his start in financial services in 1968 when he joined Peat, Marwick, Mitchell & Co., then the world's largest accounting firm. In 1982, he established his own CPA firm preparing taxes, audits, financial plans and financial statements for individuals and businesses. The H.D. Vest he joined in 1987 was, as he says, "hokey," a much leaner version of today's 4,800-advisor network.
At their first meetings with Hazard, for example, Barbara and Herb Vest would make a homemade lunch in their hotel room to share in the conference venue. Potato salad was often on the menu. And when he signed up to take his first securities exam, the Vests sent a grainy video—Barbara shot it, Herb was the presenter—advising him how to pass the Series 7 test. The firm assigned Hazard the number 868 when he hooked up with Vest; that is still the number that appears on most client statements today.
That, however, is about the only thing that has remained static at Hazard Financial, a full-service firm with $103 million in assets under management and an eight-person team that delivers multiple layers of service. At the top of the service tier: retirement and financial planning, tax advice and investment management. The Hazard team also offers advice in specialties such as insurance, estate planning, trust management, tax compliance, charitable giving, debt management and business planning. The firm's tax compliance arm prepares over 1,000 corporate, fiduciary and personal income taxes each year.
The firm's growth trajectory has been strong and steady, and perhaps more importantly, it has been intentional.
Hazard, for instance, heads the effort to plan for 20 high net worth families, representing 60 to 70 households. Does he want to grow that? No. "You can't get too thin," says Hazard, whose wife, Mary Jo, and daughters Jennifer and Jackie, work with him. "We don't want to hire a lot more people and lose control of the personal relationship. To us, the personal relationship is everything. We decided to keep it at eight people—and that works perfectly for 20 families."
Hazard Financial clients also include families that are juggling college savings with other financial goals. Many are multi-generational clients. Notably, the Hazard family itself recently became the first to have five generations with investment accounts.
Looking forward, Hazard says: "Markets are going to be more complex, no one knows the tax picture for next year, regulations require an extraordinary amount of effort, risk is everywhere and circumstances change daily. Our responsibility is to address all of the issues that managing wealth presents."
Just this past year, Hazard received the premier designation of Personal Financial Specialist from the American Institute of CPAs and daughter Jennifer recently got her mortgage loan originator's license—part of an ongoing strategy to enhance the firm's service quotient. Hazard's own personal growth trajectory—applying for Medicare and Social Security—has also helped deepen the bench.
"Five years ago, I applied for Medicare and found out, as most people do, that you can read up on it but you just don't have a grasp unless you do it yourself. There's so much that can fall through the cracks," he says. "And there are so many different ways to deal with Social Security. There are hundreds of different options. Going through it yourself gives you a much different perspective. It's made me a better advisor."
There is one thing that has not changed—and that is Hazard's fundamental belief in the first credential he got: the CPA.
"The one thing we focus on is having a written financial plan, and that's what a CPA is trained to put together as opposed to someone who is more product-oriented. And here, you have someone who is trained in accounting as well as finance," he says.
"If you look at most people we compete with, they send out fliers with their 1099s saying: 'We take no responsibility for taxes. See a tax professional.' From Ameritrade to Merrill Lynch to Schwab, there's always this fine print that says you're on your own for tax," he adds. "You won't get that from us. You're assured of having someone who is looking at both sides of the equation: tax advice as well as financial advice. Herb Vest got it right."
Howard Safer
When some clients began to turn bearish earlier this year, Howard Safer seized the moment—launching a dialogue he calls "cliff conversations." A lame duck Congress and the unknowns involving tax law, capital gains, income rules and estate planning—he put it all on the table in seminars and one-on-one talks.
"Our role is to be the designated worrier for our clients," says Safer, CEO of Argent Trust Company of Tennessee. "We take that to heart."
The 69-year-old Safer, well known in trust company circles, also used the opportunity to showcase two words he tends to use a lot: safety and security.
"We believe trust companies are the peak of safety and security. It's a good story to tell," says Safer, a CPA who opened Argent Trust's Nashville office in April. "We can do what everyone else can do, only better."
Safer has had a storied career. Early on, he served as a controller for a New York Stock Exchange public company, as chief financial officer of a substantial private company and as managing partner of a 90-person CPA and consulting firm.
He went high profile, however, as president of the iconic J.C. Bradford Trust, a $900 million company, from its founding in 1993 until 2000 when parent J.C. Bradford was sold to Paine Webber. After that, he headed the Nashville office of the $25 billion Regions Morgan Keegan Trust for 12 years, offering investment, estate and family office services. In an echo of his move from Bradford to Regions, he joined Argent when it was announced that the Morgan Keegan investment division was to be purchased by Raymond James Financial.
"Our clients enjoy it most in smaller environments like Bradford. It's where you can be the most responsive," says Safer, whose credentials include the Personal Financial Specialist (PFS) designation. "Many of our clients wanted us to be in something smaller. Here, we can do it all and we can do it better. And what we know we absolutely can do is save millions of dollars in taxes through trusts."
Safer and daughter Mindy Hirt, vice president, oversee about $250 million in assets for 60 households. Senior investment strategist Frank Hosse rounds out the team. Hosse most recently served as chief investment officer for Regions Morgan Keegan Trust, a position he held with J.C. Bradford Trust before that.
Most of the team's clients are business owners in operations as diverse as bottle manufacturing, real estate and skating rinks. All are millionaires. Notably, most of the accounts Safer and Hirt manage are what's known as agency accounts—not trust accounts.
"There is a lot that's misunderstood about trust companies. For one, you don't have to have a trust to deal with a trust company. It's a well-kept secret and that's too bad," says Safer. "The fact is this is a more extensive business to operate because we have more rules, regulations and auditors and, to me, that gives a high level of comfort to the investing public."
Many of Safer's clients are multi-generational. Often, parents will ask Safer to intervene in family conflicts.
"We're the bad cop if we need to be with the next generation. They'll tell the 28-year-old who wants to start up a business to 'Go see Howard.' I'll ask for a business plan and there won't be one. So I suggest taking a course or getting a job in that type of business," Safer says. "It works well in protecting family assets. It doesn't work well in terms of them liking us particularly. We get fired by the next generation half the time because we have done what we believe is best. As a trustee, that's my judgment call. It's what it's all about."
Safer and Hirt have worked together for 10 years—a family dynamic that both say adds an extra dimension to the family office they operate.
Hirt, a certified financial planner, says of Safer: "He has been a great mentor. He's a great instiller of confidence, a master delegator and when he believes in you he definitely wants you to roll with it. He's patient when he needs to be, and shows elements of impatience when things need to get done. He's a real advocate for clients."
Hirt adds that part of the pleasure of partnering with her father is designing creative solutions for clients.
"There's a level of excitement in terms of being able to come up with an idea that can save a thousand dollars a month by refinancing a loan or save a million dollars by creating a family limited partnership," she notes. "Howard also taught me early on to go to a client with three bullet points. Keep it simple. A lot of things we're dealing with are not simple concepts and it helps to present them in a digestible form."
Most firm mission statements gather dust. Not so here. Safer often quotes from Argent's.
"Argent's mission statement involves our clients, associates and investors. We are passionate advocates for them, their heirs and their charities," says Safer. "We're energized when they are happier in achieving their goals. We're fulfilled when their families live in harmony with positive values. When it's all said and done, that's what we're about."


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