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The Garrycastle under-14 Girls squad did their club proud on and off the field at this weekend's Feile. As Division 2 winners in Westmeath they were placed in a very strong Division 4 which included several teams who had either won or finished runners up in their own county's Division 1 Final.
However, they exceeded all expectations by winning all three of their group games and then giving eventual champions Clonguish of Longford an awful fright in the cup quarter final before going down to a gallant and somewhat controversial defeat.
After making the bus trip to Mayo to their wonderful host club St Mary's of Aghamore, Garrycastle faced two matches on Friday evening. Their first opposition were Charlestown Sarsfields who really put it up to the girls for much of the match before Garrycastle eventually pulled away in the second half, with Kacey Mulvihill's goal a real turning point.
Final score was 1-7 to 0-2.
The second game saw the girls up against the hottest of group favourites, Donaghmore-Ashbourne, who had only lost the Meath Division One Feile Final by a point, and featured some players from the Meath team that won the Leinster Final against Dublin earlier in the year, and who had comfortably won their first group game against very good opposition by 17 points. However, in an incredible atmosphere the Garrycastle girls put in probably their best ever performance as a team, winning 3-2 to 1-4 against stunned opposition, who just simply couldn't cope with the pace and intensity of the Garrycastle players all over the field.
A word has to be given to Hazel Donegan's critical third goal, an amazing strike on the turn into the top corner from the edge of the square.
Final score was 3-2 to 1-4.
The final group match on Saturday morning against hosts St Mary's was another fiercely enjoyable game. The Aghamore girls were really up for this one and led by a goal early in the second half, but Hazel Donegan was now unstoppable and fired home four goals in an amazing ten minute spell to see Garrycastle home on a score line of 7-3 to 3-3.
Garrycastle then decamped to Oran GAA club in Roscommon on Saturday afternoon to play Longford Division One champions Clonguish Óg in the Cup quarter final. Just like their game the night before, Garrycastle were in blistering form early on and their two goal lead was little reward for their dominance before Clonguish scored from a soft looking penalty right at the stroke of half time. The start of the second half followed the same pattern with Garrycastle the better side but they were not taking their chances and moreover they were also suffering from a succession of very questionable refereeing decisions against them, many of them taking even the opposition by surprise. Gradually the inevitable happened as the fitness of the older Longford girls paid off and they fired home some late scores to prevail against a very tired but very brave Garrycastle side, 4-3 to 2-2.
In fairness to Clonguish, they are clearly a superb team and they proved it the next day as they played some brilliant football on their way to the Division 4 Cup title.
And so the journey ended for this remarkable group of Garrycastle girls who won a lot of supporters from different clubs over the weekend with their brand of non stop attacking play. Every one of the 20 girls played a huge part.
Gemma Duffy made some great saves and driving clearances and her kick outs nearly always found their targets.
The defence were probably the real stars of the tournament - Jasmine Molloy, Emma Connaughton, Kaleigh Clyne and especially Emma Kearney and Arlene Devery were all phenomenal, turning over countless ball, and reading the game superbly. Orlaith Lynch deserves special mention for her display against Donaghmore-Ashbourne while Amy McGovern was a revelation, especially in the quarter final, where she was probably the player of the match.
Captain Tegan Foley, as always, led the team by example with her skill and unlimited determination, driving her players forward at every opportunity and literally running herself into the ground, while her midfield partner Jessica Frawley was probably the squad's most consistently excellent performer throughout.
Kacey Mulvihill played a key role in both attack and defence getting and setting up some key scores but also sweeping back when called upon. Nessa McNamara started the tournament in great form but unfortunately picked up an injury in the second game and her ability to find space and link play was badly missed in the quarter final. Roisin Murphy worked tirelessly from her centre forward role and while receiving a lot of attention from the opposition managed to set up numerous scores as well as scoring a crucial point at a key stage against St Marys.
At the point of attack Meliagh McDonagh showed up really well in all of the games pressuring defenders into mistakes and was really unlucky not to get on the scoreboard. Ella Dowling was as impressive as ever, scoring in every game, and could well have been a match winner in the quarter final if she had been awarded even a fraction of the frees she looked to have earned. Moya McKiernan's well taken goal in the Meath match was a huge moment but her work rate and rate of improvement in all the games was even more impressive.
The younger players on the squad, Rihanna Lowe, Juliet O'Hara and Eve Murphy all played their part when called upon, and what they lacked in size they each made up in effort while Hazel Donegan has to receive special plaudits for a stunning performance, scoring five goals and causing all sorts of problems for her markers despite just having returned to the squad this week after being away all year.
Huge credit has to go to manager Colin Clyne for the way he prepares and motivates this group of girls and gets them playing football in the right way. Thanks too to his backroom team Geraldine Griffith, Noelle O'Donnell and Ann Kearney for all of their hard work, to David and Marie Mc Govern for all their help especially with fundraising and to the many parents, relatives and supporters who travelled all the way to Mayo to provide such great support. A special word of thanks to Paddy Mulvihill for his inspiring work with the girls over the weekend.
And last but not least, it is very difficult to put into words how wonderful as hosts the people from St Marys, Aghamore were. They really could not have done any more to make this weekend a wonderful memory for the girls. Their kindness and hospitality, will never be forgotten.

subset: commoncrawl


text:
Hello all,
Does anyone have any idea on availability of records from military hospitals in wartime Saida (Syria - believed to be 22 British...
I am looking for possible links regarding the following:
My Father (a Prisoner of War) was apparently detained in a UK hospital for some time...
Can anyone tell me which RAMC units served in the Norwegian Campaign of April-June, 1940?
Does anyone have any information on the 140th General Hospital in Camp Blandford?
Separate names with a comma.


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Renzo Piano's Shard of Glass (pictured) at London Bridge is a symbol of the close ties between the UK and Qatar, the head of the financier bankrolling the scheme said during a site visit this week.
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"For reasons bordering on improved infrastructure and the crimpling impact of economic downturn which has compelled some individuals, families and corporate institutions to downgrade and change locations, Landed property prices in Lekki is the fastest rising among the prime island locations in Lagos."- Business Day
But land prices in Banana Island which is the most expensive neighbourhood in Lagos and also in Nigeria as whole, has remained relatively stable over the last two quarters of the year. The reason for this is simple. This island settlement has achieved the peak of its price hike and it is limited in supply while its high values limits demand.
Lekki Phase 1 in general and Admiralty and Freedom Way in particular have benefitted from the reconstruction of both roads with Admiralty Way now being seen as a major commercial thoroughfare. Also the reconstruction of the Lekki-Epe Expressway has led to mass movement of Lagos residents towards that axis, leading to increased demand for land for housing development.
As at the second quarter of this year, while Ikoyi appreciated 31 percent (year-to-date), Banana Island appreciated just 4 percent (YTD), representing at N373,000 (US$1,226), N359,000 (US$1,181) respectively, but Lekki Phase 1 appreciated 34 percent (YTD) within a lower price of N207,000 (US$579).
Munachi Okoye, CEO, MCO Real Estate, notes that the residential market , which is having serious challenges at the upper tier with falling demand and rising vacancy rate, is supported by demand from the middle market segment consisting of primarily terraced houses, town houses and flats priced at between N25 million and N60 million ($82,000 – $198,000). And Lekki benefits from this.
Gbenga Olaniyan, CEO, Estate Links, explains that "a lot of people have downgraded and this is why looking at apartments between Lekki Phase 1 and Chevron, they are occupied. This is because the N3 million to N3.5 million renters in Lekki Phase 1 have move down to this axis to pay N2 million rent".
He cited a company that relocated from an apartment in Ikoyi where it was paying $70,000 per annum to a flat where it is now paying just N6 million per annum. "What they have done is to leave a more luxurious property to another that is cheaper", he said in an interview.
Presently, in the housing market, what people are looking at, over and above facilities, is security. Once there is security with generator to give light and pump water, the house is good to go. By this, the definition of luxury flat has changed a bit.
Source: Busness Day


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Gen. 16:1-19:38
When God doesn't answer our prayers when we want and the way that we want, we tend to get impatient with Him. Abram and Sarai made that mistake when they perceived that she would never bear a child. She took Hagar, her Egyptian maidservant to Abram thinking that Hagar could bear the promised child for her. God didn't need their help in this matter.
After Hagar had conceived, relationships changed in Abram's household. Because of harsh treatment by Sarai, Hagar fled into the wilderness. An angel instructed her to return and to be in submission to her mistress. She was also informed that her son would be called Ishmael and that he would be a wild man. She would have a multitude of descendants.
At age ninety-nine, twenty-four years after instructing Abram to leave Haran, God reminded him of His covenant. This time, He changed Abram's name to Abraham, "For I have made you a father of many nations." He also changed Sarai's name to Sarah.
As a sign of God's covenant, He commanded Abraham and all males associated with him to be circumcised. He further commanded that all male children be circumcised at eight days of age.
God informed Abraham that he would give him a son by Sarah and that his name would be Isaac. He stated that He would establish His covenant with Isaac and with his descendants. Isaac would be the son of promise instead of Ishmael.
Abraham was concerned about the status of Ishmael. Even though God's covenant would be with Isaac, Ishmael would be fruitful and multiply into a great nation. It was still difficult, even with their great faith for Abraham and Sarah to understand how they, advanced in years at ninety-nine and ninety could have a son.
Lot and his family were dwelling in Sodom, a great and sinful place. The practice of homosexuality was widespread—the term sodomy was derived from the sins of Sodom. God, in His anger toward that city decided to destroy it and its neighbor, Gomorrah which was also very sinful.
Abraham's attempt to save Sodom failed when God was unable to find even ten righteous souls in the city. God sent two angels to warn Lot to take his family out because He had sent them to destroy it.
Lot's two sons-in-law refused to heed his warning, but he escaped the next day with his wife and two daughters to Zoar, a nearby city. His wife disobeyed the command to not look back and turned into a pillar of salt, so only Lot and his two daughters were saved from the rain of brimstone and fire that rained down upon Sodom and Gomorrah.
The daughters of Lot fearing that they would be childless got their father drunk and committed fornication with him. They each had a son from that union. One son was Moab, who became the father of the Moabites and the other was Ben-Ammi, the father of the Ammonites. They became prominent in the history of God's people.


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Eukaryotic cell biology is temporally coordinated to support the energetic demands of protein homeostasisSep 18, 2020
ABHD11 maintains 2-oxoglutarate metabolism by preserving functional lipoylation of the 2-oxoglutarate dehydrogenase complexAug 15, 2020
Stromal regulation of tumor-associated lymphaticsAug 14, 2020
The breast cancer oncogene IKKε coordinates mitochondrial function and serine metabolismAug 13, 2020


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Collaborating with You to Achieve.
June 13, 2019
My thoughts about soft skills have moved on since 2017 . Like most phrases in the English language, the term soft skills has emerged through social usage without definition. Historically the phrase seems to have been coined by for skills in dealing with people who are...
March 8, 2019
Three times this week I'm been in conversation with people frustrated with the mad world of project work that is common in successful IT-related start-up businesses. Is it a flawed assumption that at some point a start-up business needs to come more operational than pr...
February 6, 2019
If you're worried by robots taking away our jobs, then this article you may find positive.
As is typical of technology, some tasks will inevitably be removed from humans to be more efficiently executed by machines.
Artificial intelligence can already detect happiness and...
January 31, 2019
I listened to a Toastmasters Contest speech on this topic last year.....very interesting!
Unfortunately, our subconscious is not that objective/rational and is easily affected by other people's emotions! So what can we do? Be more aware that something has triggered ou...
March 25, 2018
If you're like me, you've been schooled in the scientific approach looking for hard black or white answers. Rational thinking looks for facts, evidence and theories that can give predictions. Unfortunately people have desired irrational capabilities like innovation,cre...
November 23, 2017
Trust - a subconscious, subjective quality in any relationship that could be experienced differently by each party, is hard to explain and almost ephemeral, like words in the sand.
There seems to be no way to guarantee the building of trust, and it is constantly expose...
September 28, 2017
No blog for 2 months! This makes me think of a great poster I once had of eagles and turkeys......the helpful reminder was something like "you cannot soar with eagles if you work with turkeys", who look groundwards. I too have had my head down, but today I was with som...
July 18, 2017
I get frustrated with lack of understanding and discrimination between coaching and mentoring. I've met people who will argue what one person says is coaching is really mentoring and vice versa. We really need to agree the two are similar and that the details of the re...
July 7, 2017
I was at Brian Cox's last show of 2017 tour in May.. His passion is clear. His message to others is the enormity of the universe and potential uniqueness of Earth, which is just a speck of dust in the scheme of things. Others are clearly inspired by his passion and awe...
May 27, 2017
I often talk to people who have a lot of things on their plate. I probably attract that type of person because I naturally have lots too, so I'm likely to show unconscious empathy for them. We have to work at keeping everything under control! We typically have many pro...
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The trouble with blogging.....
December 6, 2016
What are soft skills? (2019 update)
"Everyone is too busy to stand back and think"
Could 'robots' drive the need for improvement in human soft skills?
Other people's emotions are theirs
Hard vs Soft skills
Building trust with other people
Coaching <=> Mentoring
If you and I went to the moon, would we get on?
Pacing yourself
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Himouto! Umaru-chan Manga Volume 8
About Himouto! Umaru-chan Manga Volume 8
Himouto! Umaru-chan Manga Volume 8 features story and art by Sankakuhead.
Umaru finds her comfy himouto life thrown for a loop when Hikari, a smart, reclusive girl (and Kanau's little sister) takes an interest in her big brother/personal slave, Taihei. Hikari even manages to worm her way into Umaru and Taihei's precious bread days! Can Umaru keep Taihei all to herself, or is sharing written in the stars?
- Publisher: SEVEN SEAS
- Media: Manga
- Genre: Comedy
- Themes: Slice of Life
- Age Rating: 13+
- Release Date: 1/14/2020
- Page Count: 182
- Dimensional Weight: 1
- Written Language: English


text:
Luna ran through the forest as the moon rose over her, the sound of someone and hoof prints came from behind her 'There must be way out' She thought, taking a glance to see if there was anyone following her. The barrier came into sight, as she ran close, Luna stopped, placing a hoof near the barrier, it sent out a shock wave as it repelled her touch "ouch" She yelled, backing away "There has to be a way out of here" Luna stopped as the sound came closer 'I have hide' She thought, taking cover behind a bush.
'He looks familiar' Luna though making sure the he didn't get out of site 'It can't be' The figure walked through the barrier unharmed.
"Discord!!" Luna yelled, getting as close to the barrier as she could.
Discord turned around, hearing his me being called out "Why Luna, isn't this a surprise?"
"Discord, I may sound crazy, but I need your help." Luna said looking away from him.
Discord grinned at the request "What is it you need help with princess?" he asked curiously.
"I need to break out of this barrier." Luna held her hoof on the barrier as she was shocked.
"Well isn't this a problem, but what do I get out of this?"
"What do you want?" Luna tried not to yell at him
"I am saving a princess after all." He said as his grifon claw tourled his goatee "I know a parade in Canterlot."
"An article in the papers."
"How about a biography about yours truly."
"You're no fun." Discord crossed his arms "A'll right then, you have to be my friend, how does that sound?" He smiled down at Luna.
"I guess I can do that, but only if you free me from here." Luna said, with her best fake smile. 'I just have to put up with him for a little longer'
"Oh, and one more thing." He got closer to whisper something in her ear.
Luna looked up at him in surprise, as her cheeks became red "I don't know Discord.." Luna said, as her hoof started to dig into the ground. 'Is he mad, where would he get this idea?'
"Oh, why's thats?" He asked, raising his eyebrow.
"Well..its not like you don't have a chase like any other stallion…I just don't know if she will agree." Luna smiled nervously.
"Well if you want to get out, you're going to have to find a way to make it happen."
Luna sighed "All right, I'll try to get you a date with my sister." 'Why in equestria am I agreeing to this?'
"Thats all I needed to hear." He snapped his fingers as the barrier disappeared "Now I assume that you would like to clean yourself up? I live near here" He said, walking away " You can come if you want." Luna walked after him, not wanting to be left alone.
They arrive at a cabin at the base of the mountain, lights wore on inside as a shadow of a pony came over to the curtains.
"Do you have company?" Luna asked looking at the cabin
"Why yes, a friend of mine came to visit." Discord answered, opening the front door as they walked in, closing the door with his tail.
"Discord, did you get the ingredients for Angle bunny?" Fluttershy asked, stepping out of the kitchen as Angle taped his foot on the ground.
"Of course." He snapped his fingers as it appeared in front of her basket "We have a guest staying." Luna stepped out from behind him.
"Oh, hello Princess Luna." Fluttershy said, slightly blushing.
"Hello Fluttershy" Luna grited with a smile
"Now that we have the introductions out of the way," Discord said "Luna, why don't you go freshen up?" Luna nodded, heading up stairs, Fluttershy was going to speak but Angle threw a pillow at her and pointed at the kitchen. 'My my, if this couldn't get anymore interesting' He thought, a grin formed on his face.
Angel sat on a pillow enjoying his salad as Discord started to speak "Fluttershy, do you like Luna?"
"Well she's a good friend and hasnt hurt my animals." She answered with a smiled.
"Thats not what I mean Fluttershy." He said, as she looked confused at him "What I meant is if you're in love with her."
Her face became crimson as she tried her best to hide behind her hair "Is it that obvious?"
"What so obvious?" Luna asked, walking back down stairs.
"Would you look at the time, I should get you something to eat" Fluttershy raced out of the room.
"Is she alright?" She asked.
"Dont worry about her." Discord chuckle 'I guess its not obvious to everyone'
Cryber raced down the halls of the changeling castle, he stopped to catch his breath before knocking on the door. "Mage, we have a problem" He said from the other side of the door.
"What is it Cryber?" She said slowing opening the door
"Luna has escaped our barrier." Cryber waited for a loud and anger eruption from her but instead she grinned in amusement.
"Don't worry Cryber, there's only one creature in this forest that would take her in." She smiled as flames grew in her eyes "Get Axel, we leave immediately." Cryber gulped, not wanting to know what she was planing, as he raced off to get his brother.
Chrysalis stood in the shadows as she heard what they wore planning 'So that's what they been up to' she thought as Cryber ran down the north hallway 'I have to get to Luna before they do' Chrysalis walked in the shadows, making sure no one spotted her, but one changeling could spot her, Mage stood at her door, a grin grew on her face 'Everything is falling into place'
Luna, Discord and fluttershy sat in the kitchen as they ate an awkward silence filled the room.
"So Luna, I've been wondering, why you, of all ponies, were trapped in White Tiger Woods?" Discorded asked.
"Its something I rather not talk about." Luna looked down at her soup.
"Well if you don't want to talk about it, we understand." Fluttershy said, trying her best not to blush.
"Wait, don't tell me that you, princess of night, got tricked, or better yet, they captured you for some weird war abomination plan." Discord laughed
"Now Discord, if she doesn't want to tell us, we shouldn't be pushing at the matter" Fluttershy said, looking at him.
"Its alright Fluttershy." Luna smiled at her, a knock came from the door, Luna shivered as fear came to her eyes. 'Is that them? I have to hide' She thought, looking around "Discord, please don't let them in." She asked, looking around the room for a place to hide.
"Are they the bad ponies who did this to you?" Fluttershy asked, Luna simply nodded "Discord, can you see who's at the door while I try to calm her down?"
Discord walked out of the room without saying a word 'I've never see Luna act this way in front of anyone' He thought, opening the front door "Well hello, haven't seen you in a long time." 'Well, doesn't this day keep getting interesting?' He smirked.


text:
Spell check nab
Common misspellings * :
- na (100.0%)
* Misspellings percentages are collected from over 15,231,521 spell check sessions on www.spellchecker.net from Jan 2010 - Jun 2012.
Usage examples :
You may imagine with what alacrity we complied; and yet I am bound to confess that I had never liked Nab at school.
"A Thief in the Night", -
Look out and see that he does not nab either of you- Musgrave.
"Dramatic Technique", -
Put a man over there in the shade of that junk shop to watch out for him and nab him before he can give the alarm.
"Starr, of the Desert", -


text:
Pilot accuses passengers of giving incorrect weight in 2016 crash
A light aircraft pilot is blaming his passengers for not giving their correct weight for a crash in canton Schaffhausen in 2016.
One 50-year-old woman died and two other passengers were seriously injured.
An initial hearing decided the 52-year-old pilot was guilty of negligent homicide and fined him CHF 36,000.
But the pilot claims the crash was not his fault – he was given the wrong information. He says he regrets taking the passengers' words on their weights and wishes he used scales instead.
Judges at the Federal Criminal Court in Bellinzona are due to rule in the next few weeks.


text:
(businesspress24) - TORONTO, ONTARIO -- (Marketwired) -- 08/10/17 -- African Gold Group, Inc. (TSX VENTURE: AGG) ("AGG" or the "Company") has granted a total of 12,275,000 stock options to certain officers, directors and consultants of the Company pursuant to the Company''s stock option plan. The stock options vest immediately and may be exercised at a price of $0.06 per option for a period of five years from the date of grant. This grant of options is subject to the approval of the TSX Venture Exchange.
About African Gold Group
African Gold Group is a Canadian exploration and development company with its focus on West Africa. African Gold Group is focused on the development of the Kobada Gold Project in Mali, a low capital and operating cost gold project with potential to produce more than 50,000 ounces of gold per annum. For more information regarding African Gold Group visit our website at .
Qualified Person
The technical and scientific contents of this press release have been prepared under the supervision of and have been reviewed and approved by Cesare Morelli B.Sc. (Pr.Sci.Nat.) who is a Qualified Person as defined by NI 43-101.
Forward-Looking Statements
This press release includes certain "Forward-Looking Statements." All statements, other than statements of historical fact included herein, including without limitation, statements regarding future plans and objectives of African Gold Group; statements regarding the Kobada Gold Project, statements regarding the grant of stock options; and statements regarding the ability to develop and achieve production at Kobada are forward-looking statements that involve various risks and uncertainties. There can be no assurance that such statements will prove to be accurate and actual results and future events could differ materially from those anticipated in such statements. Important factors that could cause actual results to differ materially from African Gold Group''s expectations have been disclosed under the heading "Risk Factors" and elsewhere in African Gold Group''s documents filed from time-to-time with the TSX Venture Exchange and other regulatory authorities. African Gold Group disclaims any intention or obligation to update or revise any forward looking statements whether resulting from new information, future events or otherwise, except as required by applicable law.
Neither the TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in the policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release.
African Gold Group, Inc.
Stephan Theron
Chief Executive Officer
+1 (416) 722 6744
More information:
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Date: 08/10/2017 - 06:00
Language: English
News-ID 1517062
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Firma: African Gold Group, Inc.
Stadt: TORONTO, ONTARIO
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Do you know how it's tough to withstand wrapping a curly-haired tress around your hands? With wavy-haired or curly-haired puppies as your partners, you can enjoy gambling with their curls anytime! some canines have quick or long and straight hair, and a few have wavy or curly hair.
Curly Haired Dog Breeds:
Airedale Terrier
No dog is absolutely hypoallergenic, however, a few are less likely to rile up allergies than others. For a few purposes, many of those dogs are curly-haired dog breeds. The Poodle is taken into consideration highly hypoallergenic as is the Airedale Terrier. these swish and tenacious animals have a unique look and are pretty massive for terriers, making them great for herding larger animals (with the proper schooling).
most Airedales have a totally precise tan and black appearance on their curly fur. On their back, there is usually a 'saddle' layout, a strip of darker fur which sits at a perspective on their returned making it appear as though a saddle has been painted on. due to their tight curls and wiry coat, they need to be groomed and stripped often. even though they have got an undercoat and an overcoat, they do now not shed. they may be often bred for being display puppies and might be given very particular capabilities, often their curly fur dropping off their muzzle like a puppy mustache.
Curly Coated Retriever
like the Poodle, curly lined retrievers have a single coat, but their curls are very tight. This makes them particularly easy to preserve, but they have to be maintained in any other case their coat can get matted and promote contamination. Bitches will often shed extra than adult males, however they each shed. Bitches will often shed more than males, but they both shed. Purebred Curly-Coated Retrievers only come in the colors black or liver, the latter being a shade of deep brown.
Standard Poodle
perhaps the immediately canine which involves thoughts when we consider curly-haired canine breeds is the Poodle. they may be regarded for their coat that's why their appearance is so valued by way of breeders. the American Kennel membership would not categorize puppies by way of their coat, as a substitute dog breeds have a tendency to be grouped more by their length and reason (e.g. hunting puppies or working dogs). Poodles fall into the non-carrying institution according to the American Kennel Club and pare especially excellent show dogs.
Many proprietors will clip a Poodle's coat for display or for desire, giving them patterns that may appear a touch silly to a few. however, one of the maximum preeminent professors at the intellectual skills of puppies, Poodles rank range two on his list of maximum shrewd canine breeds. this indicates they're greater than only a quiet dog.
Poodle coats are an unmarried layer coat, that is uncommon to most puppies that have a double layer. as it would not shed very an awful lot, that is what can cause the longer or puffier coats Poodles often game. Their coats want to be maintained well otherwise their fur can get disheveled. normal brushing and cleaning may also help them from getting insects and foliage caught in their fur.
Irish Water Spaniel
Like many water dogs, the Irish Water Spaniel has a cute curly coat. Its frame is cobby, which means it's far quick and stout in stature, but it is properly muscled. This cobby frame is covered in very tight curls which almost appear to be they might be a drawback within the water, however, they are actually very beneficial. The tight curls of this coat make it better able to stand the often very bloodless conditions of the water all through rescues.
The Irish Water Spaniel's coat has a red hue to its darkish brown coat, something unusual in other breeds. The fur of these dogs is mainly exciting round the pinnacle and snout. They don't have plenty of fur on their muzzle, but they do have massive floppy ears that are included in brown curls. The relaxation of the fur goes all the way right down to the paws, but after you get to the tail, these curls disappear. In fact, the Irish Water Spaniel tail seems more like a rat's tail than something.
The Hungarian Pumi is a dog that seems like a terrier and is regularly called the Hungarian Terrier. but, it is not a Terrier in any respect. it's miles a small sheepdog with very alert pricked up ears, a defensive demeanor, and a very curly coat. This coat grows to a medium duration and has a wiry overcoat and gentle undercoat. One hassle while looking after the coat of the Pumi is that it does no longer shed, however, it does maintain growing. this indicates it wishes a variety of cautious grooming to stop the coat getting raveled. when you comb out a Pumi, you want to moist them down so they hold their superb function curls.
another similar looking (and comparable named breed) is the Puli canine. This dog is from time to time known as a curly-haired dog, however, it is greater correct to mention it's miles a corded dog. that is because its long hair grows out in such a way that makes them dread together. however, Puli owners want to pull the cords aside and let them develop well, otherwise, they'll in all likelihood clump and mat together.
Bedlington Terrier
A small curly-haired canine breed, the Bedlington Terrier is even smaller whilst its curly coat is trimmed. they're referred to for their resemblance to another well-known curly animal, the sheep. amazing with kids and their adoptive households, the Bedlington may be very competitive with other dogs and is a mentioned hunter. Small pets along with guinea pigs have to now not be allowed to have interaction with this dog, unless they may be nicely socialized.
The Bedlington Terrier is likewise cited for being quite a vociferous canine. this is one of the motives they need to be thoroughly skilled. even though they can behave like a lapdog in quieter moments, they're a very lively dog and need an equally lively mother or father.
Portuguese Waterdog
The Portuguese Water canine is some other operating dog that is used for water rescue services. they're amazing for training, however, their webbed feet and muscular stature cause them to the super swimmers they may be. again, their thick curly coat works as a barrier towards the often bloodless waters wherein they swim and work. They had been made well-known in recent times as they have been the breed of dog ex-President of America of the USA Barack Obama owned (their names had been Bo and Sunny).
Their coat is a commonly unmarried layer, however, can each either curly or wavy. most show Portuguese Waterdogs are black, but you may locate them in any variation of black and white. They do no longer molt, making them notably greater hypoallergenic than maximum other dogs.
Bichon Frise
With the feasible exception of the Toy Poodle (well-known Poodles are a whole lot large), the Bichon Frise is the smallest dog on our listing. it's miles a contented and affectionate dog which makes it a brilliant accomplice animal, however, their curly and fluffy coat causes them to specifically right for being display puppies. they're additionally quite wise and eager to thrill which makes them proper for education and study hints.
they are one of the maximum recognizable curly white-haired puppies. despite the fact that nearly always white, peach, or gray Bichon Frise do exist. show puppies, however, are usually limited to being white best. no longer all Bichon Frise is very curly, but the maximum is. The curls tend to get lessened with longer coats. They do no longer shed a whole lot, however, they do need grooming. Many are clipped into exciting designs for showing.
every other small curly whited haired canine is the Bolognese. they're similarly as cute as the Bichon Frise, sharing certain similarities in terms of size and look. Their name has nothing to do with spaghetti dinners, however, it is due to the fact they originated in the Italian metropolis of Bologna. The curly ringlets on their coat may also deliver the arrival of thickness, however, they haven't any undercoat. that is why you can see many wearing dog jackets in iciness.
a very shrewd curly-coated dog, the Bolognese responds very well to schooling. They can be a lapdog and could form a completely strong attachment to their human circle of relatives. With this kind of sturdy attachment, they are prone to separation anxiety when left on my own for lengthy intervals.
Kerry Blue Terrier
some other Irish dog, the Kerry Blue Terrier is a lovable canine, if now not a touch mischievous. This curly-haired canine breed additionally receives its name from its coat, but no longer thanks to its curls. when the puppies are born they're commonly a stable black shade. but as they grow, they develop a brand new shade referred to as modern gray. This gives their curly coat the blue tint they have got turn out to be famous for. They do now not forestall developing their fur, so they need to be groomed thoroughly and regularly.
Curly-haired combined breed puppies
even as there are different curly hair breeds, no longer many are as common. this is excepting blended breed dogs that have various genetic lineages. Thy can also percentage hyperlinks with a number of these breeds, but often their ancestry is unknown. There are exceptions to this also.
for example, Poodles are a collection of puppies that consist of the same old Poodle, the Miniature Poodle, and the Toy Poodle, all of which can be pedigrees. however, there has been a great deal interest in growing so-referred to as 'clothier dog' breeds. these are breeds that use crossings of pedigree dogs to create a brand new breed that has positive shared developments, however which is not considered a standardized pedigree dog itself.
What kind of dog has long curly hair?
The curly-coated retriever is one among the largest curly-haired canine breeds and is also one of the oldest retriever breeds. whilst the starting place of the curly-lined retriever is uncertain, it is believed that Irish water spaniels (also a curly-haired canine breed) contributed to the breed's improvement.


text: The Davis 2nd Friday ArtAbout for November (11/11/16) will feature TOAD HOLLOW at Armadillo Music at 6:00PM. The interview and performance will start at 6:30PM. Toad Hollow is made up of Davis residents Juniper Waller, Alex Carlin, Jacob Dorn and David Morris. They play a mix of compelling originals and refreshed standards influenced by classic blues and jazz, with some folk and modern R&B mixed in. Their sound is intimate, brimming with raw emotion and a touch of comic relief.


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Milton Keynes law firm promotes four lawyers
As part of its growth programme, Milton Keynes commercial solicitors Kimbells, has promoted four of its senior solicitors to associate positions.As part of its growth programme, Milton Keynes commercial solicitors Kimbells, has promoted four of its senior solicitors to associate positions.
Valerie Warman has extensive experience in commercial property law. She joined Kimbells LLP in 2000, and has particularly focused on work for clients in the logistics and retail sectors.
Christopher Ainsworth trained with Kimbells, qualifying in 2000. He has since concentrated on advising clients in the brewing, pub company and licensed trade sector
Mark Marston joined Kimbells in 2005 from Denton Wilde Sapte. Mark is part of the specialist drinks and hospitality sector team, dealing with large scale disposals, acquisitions and estate management for hotels and pub companies.
Nathan Thomas became a member of Kimbells' dedicated employment team in July 2005 and works closely with companies to provide an in-house style of human resources legal support.
These promotions follow a period of recruitment at all levels across the practice, providing clients with a solid range of legal expertise and experience.
• Mark Archer has been appointed as a partner in the firm's corporate team. A former stockbroker, Mark has specialised in corporate law and acquisition finance since qualifying at Hewitsons. He moves from Shoosmiths.


text: 7 Fastest Growing Jobs for IT Pros Dec 14, 2017 Looking for a career change in 2018? Here are the fastest growing jobs for developers, engineers and big data experts. Microsoft Takes Path Less Traveled to Build a Quantum Computer Dec 12, 2017 On Monday, the company unveiled a new programming language called Q# – pronounced Q Sharp – and tools that help coders craft software for quantum computers. 12 predictions for the IoT market in 2018 Dec 08, 2017 The IoT market matured considerably in 2017. In this series of predictions, we take a look at how the industry will continue to grow up next year, while also consolidating. What Happens If We Tame Google, Facebook, Amazon and Apple? Nov 30, 2017 The four companies, taken together, also stand widely accused of the sins associated with corporate bullies: crushing competition, avoiding taxes, undermining democracy and invading privacy. Twitter Bets on New Data Business Product to Revive Revenue Nov 15, 2017 Twitter has long offered a way for brands or researchers to analyze events, sentiment and customer service. But an enterprise version for big brands was too expensive for developers, while a free version didn't provide enough data. So the company... Google's 'Quantum Supremacy' Moment May Not Mean What You Think Oct 26, 2017 Even those bullish on technology, including Google itself, think it will be another decade before either error-corrected or error-free quantum computing is possible. For CIOs to Stay Relevant, They Must Think Big Oct 02, 2017 Gartner survey shows changing mindset key to CIO survival First Look at Azure Data Factory V2 Preview Sep 25, 2017 This week at Ignite 2017 in Orlando, Microsoft announced Azure Data Factory V2 with new features including Control Flow, VNET support, On-Demand Spark execution and SSIS in the cloud. This is a first look at ADF V2. HP Adds Fleet Analytics to Device as a Service Offering Sep 13, 2017 HP introduced several enhancements to its HP Device-as-a-Service (DaaS) offering this week in Chicago. (Not Used) Windows 10 (Redstone 4) Build Tracker for PCs Aug 31, 2017 This page will track all of the Redstone 4 Development Branch builds for PCs that Microsoft ships to testers in the Windows Insider Program... Load More first previous 1 2 3 4 5 6 7 8 9 … next last Load More


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Marijuana Containers for Medical Marijuana Patients
Marijuana is not just used for recreational purposes. It has been used several years ago because of its medical benefits that aid people who are suffering from anorexia, depression, panic attacks, mood disorders and those who are in pain due to arthritis, bone and spinal injuries. In countries where the medical use of cannabis is permitted and even those who are living in places where pot use is still not legalized, several enthusiasts choose to have their own weed growing garden to ensure the quality of the buds produced. The quality of the buds is not only determined how you grow the cannabis plants but also on how you store the buds after drying and curing.
To keep the buds protected against molds and other contaminants, store the buds using airtight marijuana containers. These marijuana containers are available online and in your local stores at different colors and sizes, depending on the needs of the patient. Buds can be stored securely in these containers and are handy so medical weed patients can bring them anywhere they go. If at any time the patient may need to smoke pot to get relief, buds can be easily accessed through these easy to open reversible lid, push and turn vials, squeeze tops and pop-tops marijuana containers.
Smoking pot provides several benefits on medical patients. To keep buds protected, they should be stored in a secured but easy to open marijuana containers. These containers provide a secure storage and content privacy of your weed buds so other people will not know that you are carrying with you ganja buds for smoking.
Marijuana containers are available in varied sizes and colors to suit your preference. Choose a type of container that blocks 100% ultraviolet light, BPA-free and airtight sealed so buds are kept away from mold growth and other contaminants.


text:
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text:
Made redundant
knocked out of the game
because a virus whose name
is on the tip of my tongue
fired its bullets from the
viral gun
and killed the economy,
not really
but wounded and now
missing in action
I went missing in Acton once
but that's another tale.
Hope is on hold
a bit like Ryanair and
you know things will resume
but you want your money now.
ps Ryanair, I'm a fan, got any freebies?
© 2020, John Smallshaw.


text:
New listing
Residential Vacant Land for Sale: 0 Madden Road, Dexter
30 wooded acres in Dexter for sale. One of kind property with mature oak trees. Extreme elevation changes offering several walkout sites as well as majestic hilltop building views. Property has had a site plan completed for 18 building sites and private road design. Dexter Township just off North Territorial. Dexter schools. Sewer hook up possible. Call agent for more information on possible uses.
For Sale: 30 Acres, $650,000
For more information, contact Charlie Koenn at (734) 926-0230 or email@example.com


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Month: July 2016
2016 AMA Vintage Motorcycle Days
Last week I headed north after work (at 3PM) to the Mid-Ohio raceway in Lexington, OH for the 2016 AMA Vintage Motorcycle Days. This marks my 2nd trip to this event, and one that will stay on my yearly calendar for a long time to come. I was supposed to go up Thurday night, however things came up that were not expected.
The whole week, and all Friday, I was watching the weather, and keeping my fingers crossed for the rain to skip over and miss me for the ride up. Early in the afternoon, there was a downpour, however once I left, I only encountered some sprinkles just outside of Jefferson county. From there on, it was dry roads, and overcast skies (which is ok for me.)
There will be photos at the bottom of the story.


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Fine for physicians dating and timing
However, it was determined that this language would imperil the success of securing independence over all.
Basically, dealing with the injustice of slavery, took a back seat to the priorities of the white landed men who were more concerned about separation from British rule and protecting their own interests. In the fight for rights in America, we are at a crucial point.
The "stone soup" analogy fits here: independently, we will starve; blending our ingredients together, we will all be nourished.
Praised by most progressives, there is also backlash from predominantly white groups who feel this is too narrow a focus for a US president and also some from women's activist groups who feel there is already too much focus on outcomes for men.
Yes, the violence is conservative white politicians changing the landscape of voting rights, and the violence is in "Gay Jim Crow" laws in Kansas. There is plenty of room at the counter and plenty of soup for all of us.
But the violence is also in white LGBTQ silence on issues of race and African American silence on Immigration rights and Asian American silence on issues of financial disparity and minimum wage increase.
Adopting an attitude of "I've got mine" is cultural violence that ultimately will not sustain progress. The only way we can actually know one another is by sharing real relationships with each other without value judgements and comparisons.
Shockingly, the "I've got mine" violence usually takes the form of silence. My gayness does not diminish your straightness; her Judaism doesn't diminish your Islam; and indeed, black male achievement does not mean white male failure.
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This picture was choosen and resizes to HD to be a part of the "BEST OF NUDEART" video on Youtube.
While there, Sokka and Toph go out and see what fun can be had during the festival.
Kevin Hart's wife, Eniko, took her Dobie to the animal hospital Sunday night in L. The show wanted her back as a full-time cast member, but obligations to her other show, "Don't Be Tardy," only allowed her to sign for a part-time gig.
The most popular location is the Redlight Center (RLC) based on Amsterdam. Active Worlds – Virtual Reality 3D World created by Active Worlds in 1997. Meet Me – Opening in December this Japanese version will have excellent graphics. It will be based on Tokyo Japan and will be G rated with many rules such as no flying. Rune Scape – is the largest free MMORPG game in the world with well over 5 million players. It started as My World as Google Lively – Secret Google Second Life Killer being tested by students at Arizona State University.


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Covid-19 is a global health crisis that has impacted all sectors of society. We must do all we can to mitigate the losses, both human and economic, and extend our support to all those who work tirelessly towards these goals.
During stay at home orders to reduce the spread of Covid-19, we have taken the time to learn more about how to protect guests who will want to enjoy our skating activities, when they are ready to participate or host a future event. We have consulted with public health officials, and were able to create a plan to address the safety of guests, by limiting person to person contact.
Our hearts are with everyone who has suffered losses during this pandemic. We know that this have been a difficult time for everyone, and are committed to working in partnership with clients as we get through this difficult time. One thing is certain, the desire for recreation, entertainment and socialization is strong, and when everyone is ready, we will be there, and we will be ready too!
The CHILL TEAM
SKATESmart APPROACH
Chill Media has developed a set of standards that include touch-less booking and check in, design and programming that minimizes person to person contact, maintains recommended distancing, plus policies that require the use of personal protection gear, and ensure proper site santitation measures.
Event operation plans and site layouts that maximize efficiency, and minimize the need for guests or groups to gather to gather and wait for extended periods.
Some of our products and services, such as our IceBreakers, are uniquely designed to support distancing guidelines. The mobile nature of our Popuprinks allows us to feature of our activities in smaller, private, venues, which allows us to better control the flow of traffic.
Rising to the challenge;
The Mother of Re-Invention
Committed to creating a safe environment,
to experience memorable events.
Going touchless not only makes sign-in safe., but it allows for advance reservations, and delivers peace of mind especially in times of a global health crisis.
Efforts to collect data for contact tracing are included in our event operation plans, as part of our standard participant liability for participants, and expanded during times of critical public health crises, to ensure accuracy and efficiency of communication.
Guests receive a list of safety reminders upon booking, and details are clearly posted on site. All guests must wear socks, and in times of increased public health concerns, guests must gloves, and face masks, when entering the skate area.
To ensure the safety of guests, area capacity is limited. During increased times of public health concerns, this capacity may be modified to meet physical distancing guidelines whenever possible.


text:
CAS is extremely concerned that the proposals in the Bill would have a detrimental impact on CAB clients who have already been negatively affected by changes to the social security system in the last Parliament. These negative consequences include a rise in rent arrears; pressure on homeless services; and an increase in the number of people who are unable to make ends meet, who accrue priority debt or who require a referral to a food bank.
Citizens Advice Scotland recommends that the Bill is amended to remove Sections 7 to 15 (Welfare benefits) and Sections 16 to 18 (Loans for mortgage interest) and would urge MPs to support all amendments which would achieve this.
If the Bill is not amended to remove these sections, CAS would urge MPs to vote to decline to give the Bill a Third Reading.
CAS would also encourage MPs to vote in favour of the following new clauses:
NC1 (which would repeal the recent regulations making changes to Tax Credits),
NC3 (which would allow immediate payments of Personal Independence Payment for people who are terminally ill).
NC4 and NC12 (which would establish an independent inquiry into the sanctions regime),
NC6 (which would require the Secretary of State to report on the quality of jobs created)
- NC10 (which would require primary legislation to enact any restriction to Housing Benefit for young people)


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Compline by Candlelight
Compline by Candlelight
Find peace and stillness as you end one week and begin the next. Come as you are, find a seat, and hold a candle. For thirty minutes let mantra-like, chant-based improvised music by The Choir of Trinity Wall Street wash over you. Learn more and access podcasts at trinitywallstreet.org/compline.
Orlando di Lasso Vide Homo
The Choir of Trinity Wall Street
January 20, 20198:00pm


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On Saturday, Jan. 25, Delaware Valley had a home basketball gamr with Pleasant Valley of Broadheadsville.
I am going to cover the Junior Varsity game first, as I usually do, and them more print than usual because their game was so much more exciting and enjoyable to watch.
Okay -- the game starts out with DV looking really great and in total control. The first period was very fast-paced, with DV running and gunning against a taller Pleasant Valley team. The period sees DV up 19-8.
In the second period. PV came out strong for the first couple of minutes. But DV regrouped and slammed the door shut on Pleasant Valley, ending the half with DV up 33-16.
Now, in most of the games that I have seen, both JV and Varsity DV come out revived and energized in the third period. I was surprised to see this would not be the case that night. PV kept creeping back into the game and closing the gap only to have DV battle back and storm ahead again. DV was up by 20 at one point, only to see the lead dwindle to three later. Pleasant Valley was a totally different team, playing really tough and swarming defense, and they got hot with scoring as well.
DV was going to have to battle their way through this if they were to get the win.
In the fourth and final period, PV gave it all that they had, but DV was just clearly the superior team with more talented players. In one play, Andy Guerin -- the smallest player on the team, but the slickest guard and the field general on the court -- was triple-teamed in an attempt to steal the ball. But he easily dribbled through all three like threading a needle.
DV managed to cling to a six-point lead with two minutes left to play. Chris Cruz was fouled and sank both shots. Then a PV player was fouled while attempting a three-point shot and sank two out of three. Chris Cruz is fouled again and again sinks both shots. Jack Pfuhler is fouled and he sinks both. (How important is good foul shooting? It can't be emphasized enough.)
Finally, PV scores an uncontested three-point shot to end all scoring, with DV not wanting to cause a foul with five seconds to play.
The game ends, and believe me it was an exciting one. DV Junior Varsity won 59-52.
I have to mention here that DV has played four games in five days. Fatigue surely raised its ugly head in the second half, but DV was just too good to let it get the best if them.
There are a number of exciting players on the JVs, and I could name the entire team, but there isn't enough space. Just to name a few, I will point out Andy Guerin, Mark Callanan, Ryan Doherty, and Noah Newton. They all play fine basketball.
High scorers in the game for DV were Ryan Doherty with 18, Andy Guerin with 12, and Chris Cruz with 9.
Varsity takes the court
Now the Varsity team takes the court. Again, four games in five days, as mentioned earlier, is really going to show in this game.
Pleasant Valley is a sub-500 team, and under normal circumstances I am convinced that DV wins this. However, on this night, nothing --and I mean nothing -- worked for DV.
They missed so many shots that I would be surprised if they even shot 10 percent. They made terrible decisions on passing and many times passed into heavy traffic, resulting in stolen balls. Even the best shooters on the team could not find the touch. Nothing was falling, both outside shooting and inside shooting. At the same time they seemed not to have the energy to cover PV players, allowing free and uncontested shots that resulted in easy scores for Pleasant Valley. It was so frustrating for the team that Jackson Shafer very uncharacteristically committed a technical foul. Another DV player had to be told to shut up by Coach Holtzer.
It was hard to see such a fine team have such an off night, but they were just physically spent.
The result was a resounding defeat by a lesser team by a crushing score of 54-33.
If DV had made half of their shots and had not made such sloppy passes, resulting in steals and scores by PV, they would have won this game. But the grinding schedule just wore them down.
Don't hang your heads boys, you're better then you showed tonight, and you will survive this and come back in future games.


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"My God, it's full of stars," reads the last line of Arthur C. Clarke's novel 2001: A Space Odyssey. Though not heard in Stanley Kubrick's 1968 film rendition, the message is the same: it's a big universe out there, and men must either morph into greater beings or submit to a higher power. Financial planners, like the characters in A Space Odyssey, find themselves on a journey of technological challenges and discovery. And while in 2003 our world only partly resembles Clarke's 2001, his take on man's dependence on technology certainly rings true. Unlike Clarke's characters, however, there is no need to despair: many of your fellow planners are successfully meeting the challenges of technology in their practices.
Interviews with a number of planners and results of an exclusive Investment Advisor reader survey found that when it comes to technology, there are two types of advisors: those who continually update their practices and stay current on the latest developments; and those who would rather stick with the status quo. You might think that most advisors stand somewhere in the middle of those extremes, but our survey found that more than half of all financial planners rely primarily on themselves to stay current in technology, a feat nearly impossible to achieve while juggling so many other priorities.
"People who tend to get into this field are Type A personalities," says Carl J. Kunhardt, an advisor with Quest Capital Management in Dallas. "Type As think they can do it all, but the reality is we are not technology gurus. If clients are going to retain planners for their planning expertise, then planners have to be willing to retain technology experts for their technology needs," he says. Yet many planners still take technology into their own hands: Of 562 advisors who responded to our survey, 64% of independent RIAs, 60% of broker/dealer reps, and 81% of wirehouse brokers said they depend on themselves to stay current in technological developments.
Though advisors do find technology to be necessary and helpful in their practices, they find it equally taxing on their time, their nerves, and their profit margins. Among survey respondents, 41% of planners cited time as their biggest challenge in staying current, while 45% noted cost and lack of expertise as their biggest technology issue. "If you are a planner, why spend your time learning how to integrate technology?" Kunhardt asks. "We are not network administrators or technology consultants. So utilize someone else's expertise to leverage your time."
While those technology tools are always evolving, a truly paperless office is still more a dream than a reality for most planners. With hundreds of software and outsourcing options (see our technology directory on page 51), it can be frustrating to find the right software. To help ease the process, we asked several planners to share their experiences about the tools they use in their practices, particularly in portfolio management, contact management, and mutual fund research. Their stories can give you insights on ways to tame your own technology beast.
Take A Long-Term View
Gayle Buff, Buff Capital Management
There are many issues a planner must consider when starting a practice: the emotional and financial costs, getting clients, finding the proper office space, accessing the right investment research, providing adequate levels of client service, and finally, buying and using the appropriate technology. Gayle Buff of Buff Capital Management in Newton Highlands, Massachusetts, says that when picking portfolio management software, "explore all your long-term needs and pick something that will work not just for the short term. Do an analysis for what you expect for five to ten years down the road." Shifting from one piece of portfolio management software to another is notoriously difficult, she notes.
To manage her 65 clients, Buff uses Advent Axys. "When I first started my practice, I was using Centerpiece, and I switched to Advent because I found it more flexible and intuitive. It offers historical pricing, performance, and current positions, as well as tax reporting information and many other features too numerous to catalog."
Centerpiece was more cumbersome to use, though she notes that Schwab has since updated that software. "When I was looking into software, I didn't consider Advent until I saw the program at the office of a colleague of mine and I realized it [gave me] more of what I wanted. I decided to change sooner rather than later because the longer you wait, the harder it is. There is no easy process to transfer from one system to another," she says.
For contact management, Buff uses ProTracker. "It was written by a financial planner [Warren Mackensen], so it is very oriented toward financial planners. But it has good and bad features." Though it is more thorough than she needs it to be, Buff says it is more useful than the basic database she was previously using. "Perhaps some day Warren will offer different versions of ProTracker customized for different advisory practices."
One of the features Buff says she wishes ProTracker offered was more flexibility in tracking client retirement contributions. "I would like more detail on tracking cash flow contributions and distributions in each account," she says.
For mutual fund research, she starts with Morningstar, and then goes to the fund company's Web site. "It would be nice to know what the managers are investing in in a more timely way," she says. According to Ryan Tagal, Morningstar's product manager, the company is trying to stay current with portfolio and manager changes. "In separate accounts, qualitative due diligence is a very important part of manager searches, so in a few weeks we are launching a due diligence center with collective information from separate accounts managers," he said in mid-March. "We are trying to do this with our mutual fund managers as well, but only a few are participating now."
Buff uses a computer consultant, though the consultant helps more with hardware issues than software.
When asked if she ever saw herself converting to a paperless office, Buff answers no. "I find I do need hard copies of documents, and the move to a paperless office is still kind of wishful thinking. I know some people have been able to implement that, but not me. And it is not because of a weakness in technology as much as it is needing hard copies. I don't know if I will ever be able to get past that."
Hire A Professional
Bryan Lee, Strategic Financial Planning Inc.
"When it comes to contact management, you can either go very simple, go very advanced, or go somewhere in between," says Bryan Lee of Strategic Financial Planning in Plano, Texas. "I have looked at programs like ProTracker and GoldMine, and from what I saw they were great, but I find few people take the time to sit down and learn them. Planners often end up buying a program and not using it to its capabilities. As a sole practitioner, I found I wanted to lean more toward the simple and straightforward, and go with something I already knew, which was ACT!"
To manage his 50 clients, he uses Cyberbroker, an ACT! overlay that offers a strong level of customization. Lee points out, for example, that off-the-shelf ACT! only has four or five tabs at the bottom of its main input screen for client information, while Cyberbroker has an additional nine or ten. "Rather than taking the time to set all those tabs up, [the program] set up all that I needed," Lee says. "Those setups saved me many hours I would have spent customizing."
Lee's biggest complaint with contact management software is the contact managers' lack of integration with financial planning and portfolio management software. "I want the information I enter into my contact management system to flow into my financial planning software. That is what I think everybody is looking for. You can get that if you go with an organization where everything is tied together. But I was not comfortable having all my eggs in that basket. Who's to say that company will be around two or three years down the road? Whereas I was quite confident that ACT! was going to be around and would continue to upgrade on a regular basis."
Like Buff, Lee also says his favorite tool for mutual fund research is Morningstar, although he would like to see more comparisons of historical correlations between funds. "So many funds have style-drifted quite a bit during this underperformance of the last few years," he says. And since "the point of diversification is to have non-correlating asset classes in the portfolio, knowing of a drift would be helpful."
Regarding his choice of portfolio management software, however, the situation is still a bit shaky for Lee. "There are lot of political issues that are going on right now, and where you custody assets determines what portfolio management software you are going to use," he says. For example, he has a problem with Schwab's decision to no longer sell Centerpiece to non-Schwab advisors. Lee is also unhappy with Schwab's recent decision, effective July 1, to impose a $1,200 charge each quarter to advisory firms that have less than $10 million in assets custodied with the firm, up from the current $600 per quarter charge. "While the importance and the power of the technology is prominent, I think that just as important is determining who you are going to custody your assets with, who you are going to partner with." For Lee, Centerpiece and Advent Axys are the two options in portfolio management, so he has hired a recent college graduate who is familiar with the current industry technology to help him make the best long-term decision.
As a sole practitioner himself, Lee says that many such planners "will work themselves to death with 12- to 15-hour days before they will justify bringing someone in to help them. I find that a lot of the planners I meet are great planners and allocators and investors, but are not always good business people." That's why he hired his "paraplanner," as he calls his new assistant. "Planners don't spend much time on technology because they don't have the time. So hiring a young person coming out of school" with a strong technology background is a good idea, Lee argues.
At some point, Lee says he will shift to a paperless office. "Probably within the next 18 months we will use a program like LaserFiche [a document scanning and filing system], but being a sole practitioner, I couldn't justify the cost yet."
Lee is a big proponent of Monte Carlo analysis. "Those advisors who are not currently using Monte Carlo in their plans" should be concerned, he says. "I think not using it sets up you up to be a much more likely candidate for a lawsuit," since Monte Carlo allows you to present to the client "all the different possibilities" of the future value of that client's portfolio.
His software suggestions for planners starting their own practice: "Although it may be exciting to be one of the first advisors to implement a new software tool, it may not be wise. I've found it best to let other advisors test out a product first," he says.
Also, consider outsourcing where you can, for example with portfolio management. "I am not so eager to run my portfolio management in-house because that can take a full-time person," Lee says. On the other hand, Lee points out that if you outsource your portfolio management "then you're at the mercy of the Internet and someone else has your data." It's a decision "each planner will have to make on [his] own."
Help in Managing the Managers
Carl J. Kunhardt, Quest Capital Management
Carl J. Kunhardt of Quest Capital Management in Dallas says the firm is run like a traditional business where everyone, including the planners, is paid a salary. "We are an independent RIA firm but are still part of Raymond James," he says. "We own the business and have seven shareholders." With that model, Kunhardt found it more economical to hire a salaried networking person rather than deal with technology himself in addition to his planning work. "I do a lot of due diligence, and I rely a lot on Raymond James's due diligence, but we learned long ago not to rely 100% on a broker/dealer's research, so we used that as a starting point and built our own research." Comparing that model to technology, Kunhardt says there were "too many dollars flowing into technology to not pay any attention to it." He believes that technology is both art and science, and "probably more art than science. In trying to make the science portion as accurate and streamlined as possible, you have to rely on technology, so we merged the two closely. Now the network guy is in charge of researching" technology tools, and Kunhardt can spend his time on client needs.
For portfolio management, he, too, relies on Advent. "Probably the most useful feature is being able to do a history" of a portfolio's value over time. "Raymond James has been really good at giving us daily valuations on our portfolios, but if I needed to get a history for a client, all I need to do is go to Axys. Also, during tax season Advent has a report–a 1099 reconciliation–which has been helpful" for clients and their accountants. The only problem he has with Axys "is that it is so comprehensive; we probably only use 50% to 60% of its capabilities."
Quest uses GoldMine for contact management. With 27 employees, including 12 planners, Kunhardt thinks other contact managers would not be able to accommodate all the cross-scheduling the firm needs to handle. "ACT! is a comparable program if you have only one or two people," he says. Using GoldMine, all of Quest's employees are able to share information on clients. "We found we don't have as many dropped balls," Kunhardt says. "This is what works for us, and with the size of our office we had to go with something that was commercially available. ACT! would be limiting, Outlook was just personal information and calendars, and we needed something a bit more robust," he says.
Although he likes GoldMine, Kunhardt says he's looking forward to the day his contact manager can share data with other programs. "We often have to rekey data two or three times, and it would be nice if, once we entered the information, we could dump it into the other programs."
For mutual fund research, he uses Morningstar and Raymond James's proprietary tools. He says he found Morningstar Principia to be the most comprehensive and affordable research product on the market. "You tend to get sticker shock with anything from Ibbotson, and as far as Value Line and Standard & Poor's, there was less flexibility."
To make a practice run more smoothly, Kunhardt suggests increasing overall automation, and instituting electronic document filing when possible. But first there's an overarching issue to address: "If you don't think through how each of your different pieces of technology relate to each other, you will find that you will increase the time you spend on technology as opposed to letting technology manage your time," he says.
Kunhardt says his firm is well on its way to implementing a paperless office. "We have about 60% of our files scanned, so we have no hard copies of anything the client has given us. We are currently using LaserFiche, but we are not really happy with it." For one thing, LaserFiche's search capabilities leave a little to be desired, Kunhardt says. Nevertheless, "it has really helped," he says and is "very affordable."
Pick Carefully, Then Get Trained
Harry K. Foote, Foote Financial
"I would love to see the paperless office but I doubt I could ever do it," sighs Harry Foote of Foote Financial in Cherry Hill, New Jersey. "A lot of files now are being sent to me on CD, and that's great because it cuts down on what I have to store. But in terms of client correspondence, if they send me an e-mail, I have to print it out and put it in a file." After realizing he was buying more and more file cabinets, Foote is now moving to a bigger office. "Paperless would be a nice goal, but I don't think we will ever see it in my tenure."
With more than 100 clients, Foote believes that in order for a practice to run smoothly "everything has to be integrated and everyone has to understand how it works. I have a satellite branch that I would like to further integrate so we get a synergy of being a team instead of a group of individuals. The more uniform we are, the more efficient we will be."
Not having a tech person in the office is a source of great frustration to him since he says he has neither the time nor the expertise to explore new applications. He suggests getting well trained on the applications you do settle on.
That advice was suggested by nearly all the planners interviewed: since shifting from one program to another is costly and time-consuming, take your time and get professional help in picking any portfolio management, contact management, or fund research program, then reserve serious training time for yourself and the members of your staff who will be using that software. Investing the time will pay big dividends later on. It's one way to tame the beast.


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