Disclaimer: I am not a fan of movable-pin sights for whitetail hunting. I have hunted a ton over the years and can think of very few situations where a moveable-pin sight would have helped me. I will try to write this column objectively, but in the end I fear my bias will show through.
Movable-pin sights allow you to dial in your pin for the exact distance of your shot. However, it can become confusing when an animal moves after you have set the pin and come to full draw.
Movable-pin sights have a lever that pivots around a central point. Typically, you move the lever down and the sight pin goes up, positioning it for close-range shots. If you move the lever up, the sight pin goes down, perfect for longer shots. There's a pointer and a scale that permit you to set the lever to the exact yardage of the shot. In this way, you are always aiming with a single pin on every shot distance, never having to guess where to hold or placing your target in the gap between pins.
Movable-pin sights have their place in bowhunting. But like every other piece of gear, they aren't for everyone. Here's a rundown of the strengths and weaknesses of these sights so you can decide if they are right for you.
Here is a situation where a movable-pin sight would be a good choice. You've just stalked up to the last piece of cover that stands between you and a bedded mule deer.
Now it is a waiting game. The wind is perfect; you'll just sit him out. During the two hours you kneel there, you range the bush he is bedded behind 20 times, just to be sure.
You know he's two yards behind it, exactly 46 yards away. You twist a knob and slide a lever until the pointer on the scale reads just over 45 yards.
Finally, the buck stands. In a rush of excitement, you hit full draw and burn the pin into his side. No guesswork is required, nor is there anything you have to remember to do as the intensity of the wait finally comes to an adrenaline-charged end. With just one pin, you simply aim and shoot. The shot is perfect.
There is nothing more precise, nor simpler, in this situation than a single, movable pin. By eliminating as many variables as possible, you give yourself the best possible chance for success.
Nearly all archers are more accurate when they can hold their aiming pin dead on the spot. It is more intuitive and precise than having to figure the proper holdover with one of the pins or the need to bracket between two adjacent pins. It's a lot easier to make a 46-yard shot if you have a 46-yard pin than to try to bracket between your 40- and 50-yard pins. The only way you're going to have a pin for every possible yardage is to use a sight that has a movable pin. This is the most accurate system possible.
I was hunting moose and bear in Newfoundland when I learned my first lesson on the downside of using movable-pin sights for hunting. Another bowhunter named Mike was in camp. Mike was not a very experienced hunter. On the third day of the hunt, Mike was following his guide through a large area of thick pine cutover when the guide suddenly stopped, put his hand out, backed up a few yards and then crouched down. Mike took his cue and dropped to the ground. After waving Mike up, the bowhunter was soon at the guide's side.
"There's a big bear eating partridge berries just on the other side of that little pine tree," the guide whispered very lightly. "He's only about 30 feet away. Ease out around me and take the shot."
Mike couldn't believe the range could be only 30 feet. The guide must have meant 30 yards. So, he set his movable-pin sight for 30 yards and slowly sneaked past the guide until he could see around the tree. What a shock! The bear was right in front of him, still totally preoccupied with his lunch. The excitement was more than my friend could handle, and he completely forgot he had preset his sight for a much longer distance.
Mike drew back, settled the pin on the bear's chest and promptly shot right over his back. The bear beat a hasty departure as Mike and his guide watched in stunned disbelief. That's how you miss a 300-pound bear at 10 yards!
The situation Mike encountered is a classic downside when using movable-pin sights for hunting. Because the pin was preset, Mike didn't have to think about which pin to use. In the excitement, it is doubtful he could have figured out where to aim with his 30-yard pin even if he had remembered it. Adrenaline has a way of snuffing out clear thinking during the moment of truth, and all too often we aren't able to make good, fast decisions. Having to move a sight pin after hitting full draw is more than I want to deal with.
Another situation that puts movable-pin sights at a disadvantage occurs when the animal is approaching or departing. Suppose a buck is approaching your stand and you decide to draw while he is still coming in. That is what I usually do. That way I'll be ready for the shot as soon as it's presented. If he keeps coming, the shot will be short. If he turns off, I am ready to take advantage of any pause to squeeze the trigger.
Too often, you get one fleeting opportunity. You have to be at full draw and ready to release the string or the animal gets away. Now, here is the big question. As you are preparing to draw in anticipation of a later shot, for what range are you going to set the pin?
Obviously, if you pick the wrong distance when setting the pin, or fail to make the right correction once the shot opportunity arrives, you're faced with a tough moment of truth puzzle. I'm not cool enough under fire to do a lot of intelligent thinking on the quick. It's about all I can do to stick with my normal routine: estimate range, pick a pin and focus on the spot. If you throw additional challenges into the mix, I'm likely to crater. I don't want the added variable of a movable pin to confuse my life.
There is a way you can benefit from the advantages of a single, movable pin without giving up the flexibility of multiple pins. Several companies make movable-pin sights with compact sight bodies having more than one pin. In fact, most have three pins. With this system, you can set the movable-pin sight to its closest range setting and then sight-in the three pins for 20, 30 and 40 yards. Further, you can then use the lever to set the top pin for five-yard increments from 20 to your maximum range. Now, you have a valuable option during the moment of truth. You can use the top pin and move the sight for exact distances, or you can leave it at the 20-yard setting and use the three preset fixed pins.
nd, you simply leave the sight at the 20-yard setting and draw. When he finally offers a shot, you'll have three pins to help you make the proper aim. However, if you have time to use your rangefinder and know the exact distance to a stationary target, you can opt for maximum accuracy. Move the lever until you've set the top pin for the shot's exact distance. Now you can hold dead-on.
As a word of caution, if you are going to aim this way (with multiple movable pins), you need to center the pin when aiming. You can't center the pin housing like you might with a fixed-pin sight, because its not always in the same place.
Movable-pin sights are not for everyone. However, if you think your way through your hunting situation, you can make an educated decision. Under the right conditions, movable-pin sights are extremely accurate. However, under the wrong conditions, they are a problem without a solution.


text:
Sam Karim QC To Address The Law Works Student Pro Bono Conference At University Of Manchester
Sam Karim QC is due to address the Law Works Student Pro Bono Conference on the 11th of November at the University of Manchester, School of Law.
The LawWorks Student Pro Bono Conference is on 11th November at the University of Manchester, School of Law. The conference is free to attend for law students and law school staff. Lawyers interested in supporting student pro bono are also welcome to attend.
This conference will showcase pro bono projects and charities, and provide an opportunity to debate the role of pro bono in access to justice and meet with leaders and practitioners in the pro bono field.
The keynote speaker will be Edgar Cahn, a pioneer in the clinical legal education movement and distinguished civil rights lawyer from the US. Edgar has five decades of achievements in supporting access to justice and is the inventor of Timebanks.
There will be plenary panel discussions on pro bono initiatives in Manchester and developments in clinical legal education, followed by workshops in the afternoon. Delegates will also have the chance to meet, debate and network with other students and law school representatives, and pro bono organisations. Joe Egan President of the Law Society will close the Conference.
To register your place, please click here.

redpajama_set_name: RedPajamaCommonCrawl


text:
Q: Is there a better way to give two classes access to each other? I've been running into problems lately in that my code ends up needing one class to store an instance of another, and that other class to store an instance of the first.
I feel as if this is poor design and I've been trying to come up with a better design but any one that I come up with will obviously result in poorer performance. (Requiring iterations of lists just to find something, when otherwise I wouldn't have to.)
For example, I'm working on a server-sided system and I will give you the basic outline so that you can see what I mean.
say that the Server class contains instances of World, and NetworkHandler.
When clients connect to the server, the NetworkHandler is notified, and stores the channel in a Session object.
After Login, a Player instance will be created and added to the World.
Here's where things get weird.  I tried having Session holding an instance of Player, and Player holding an instance of Session. This seems to work best, but I feel like there has to be a better way.
As for why I need them accessed from both places, the NetworkHandler is passed the session that's attached to the channel, and handles packets that way. (This must be able to access the Player attached to the Session)
However, sometimes, the World needs to iterate through players and access the Session they're attached to. (such as disconnecting them)
Thank you for any help and if anything is unclear just ask.

A: One alternative architecture I can think of is "event-driven" which is supposed to decouple objects in situations like this. (Of course, it has its downsides as well, and event-driven code can be very complex).
For instance, instead of iterating through the players to disconnect them, you could put a disconnect event on the queue that all sessions can respond to. The session can put events on the queue and each player could listen only to events from its individual session.

A: It is hard to give clear design advice without knowing more about your problem / domain but from what you have written, it seems you should separate the "plumbing" logic (networking and server stuff) from the game logic.
A general advice is that if you find yourself stuck in a situation where you can only think of ugly and uglier solutions: Step back a few meters and take a broader look.  Maybe you'll need to refactor more than one class.
That said, there is nothing fundamentally wrong with having two classes refer to each other (though often, it can be avoided).  Consider for example this situation:
+-----------+ 1  contains   * +-----------+
|    Box    |---------------->|   Item    |
+-----------+                 +-----------+
|           | 1  is inside  1 |           |
|           |<----------------|           |
|           |                 |           |
+-----------+                 +-----------+

Explanation if you don't know UML: The above picture is to be read as "There are boxes and items.  A box may contain any number of items.  Every item is inside of exactly one box."
Examples where you need this are not that frequent, but they do occur.  If the two classes are otherwise tightly coupled, this is okay.  Just don't create such dependencies across module boundaries, if all possible.

redpajama_set_name: RedPajamaStackExchange


I recently found a very interesting discussion on Reddit about welfare programs. Someone asked if the US would save or spend more money if they cut all the current programs and changed to a flat-rate, guaranteed minimum income system, click here to read the full Reddit post.
A user, by the name of imkharn, responded and has received over 2241 points over the last seven days. His words really hit a chord with me. I will admit that I'm not smart enough in this area to have all the answers, so I'll try just to present information that is coloured with a few of my own personal experiences.
Not all money given to the poor counts as welfare. The government has a much more restrictive definition allowing a much lower cost quote. If you include earned income credit and housing assistance, spending on the poor is 1.03 trillion a year. Keep in mind this may be a little high because not all welfare money goes to the poor.
This means it would be cheaper for the US government to simply cut a $22,000 check to every adult in poverty each year than keeping the current 80+ program welfare system.
A more efficient use of that 22K is to give it out in graduated amounts. Ensure no one makes less than 22K a year, but if they make more than 22K a year, for every 2 dollars of additional income they make, remove 1 dollar of subsidy check. This smooth transition doesn't remove incentive to get a job and was proposed by Nobel laureate economist Milton Friedman who despite being a libertarian supports a minimum guaranteed income.
Here is a cool spreadsheet image showing what different systems would look like using a similar model and comparing the current costs mentioned in the links in imkharn's comment.
The need for such a system, at least in my mind, really drives home the issue with our economy, but much like minimum wage, I think this idea's time has definitely come, and a more simplistic, standardized system could be beneficial, easier to maintain and while it would suffer from people gaming the system or outright lying, we have those issues in our current social assistance programs.
I would love to see how the numbers would stack up in Canada. I don't know if $22,000 is the right amount, but currently if someone in Canada worked a minimum wage job ($10.25/hr) for 40 hours per week, for an average of 48 weeks per year, they'd have $19,680 pre-taxes or probably around $15,000 per year after taxes which means surviving on $1250 per month. I couldn't make that work here in Georgetown. My rent alone would take two thirds of that amount, and I live in a worn down, low quality bachelor apartment.
Under such a system, that same person, would have nearly $30,000 guaranteed. They would have around $2500 per month to spend on an apartment, clothing, food, services, and could thrive in a much more normal way. The money they would spend on goods and services would help the economy, and the government would save money from not having to manage such a complex system, and get a piece of the action back in sales taxes from purchases.
There are a great number of awesome comments within the post, and it is definitely a must-read if you have any interest in this topic. My hope is that more people can start trying to develop systems to help society get back on track. Unfortunately this system, like nearly any single idea, won't help the income disparity between the highest and lowest earners in the economy, but as one person said, a system like this could mean the difference between surviving on a minimum wage job, or thriving.
We definitely don't live in the world that my parents or grandparents lived in when it comes to wages versus expenses. I am super fortunate to have a pretty darn good job for an amazing company, but I still struggle sometimes thanks to financial mistakes made earlier on in my career.


Uptake of Climate-Smart Agriculture in West Africa: What can we learn from climate-smart villages of Ghana, Mali and Niger?
In West Africa, the CGIAR Research Program on Climate Change, Agriculture and Food Security (CCAFS) has been working since 2011 with various local partners to develop Climate-Smart villages (CSV) through participatory action research (PAR) at pilot sites in Burkina Faso, Ghana, Mali, Niger and Senegal. Various CSA technologies and practices have been identified and tested in these CSVs. Some of these technologies and practices include: improved varieties of crops, soil and water conservation techniques (e.g. Zaï, half-moon, tie ridging), tree planting (agroforestry), farmer managed natural regeneration (FMNR), integrated soil fertility management techniques (micro-dosing, use of organic manure /compost, crop association), etc. In West Africa, adoption of agricultural innovations are thought to be constrained by several socioeconomic, institutional, infrastructural, biophysical and political factors. Therefore from the perspective of scaling up proven CSA technologies and practices at the CSVs, it is crucial to understand the determinants of their adoption.


The glass vac layup is a lightweight version of the poly vac layup. This construction gives the paddler a light weight version of an affordable and proven intermediate boat.
Vacuum bagged carbon, epoxy resin.
This layup is the premium layup for these types of craft. Carbon and epoxy are used and vacuum bagged to create the lightest and stiffest craft possible.
Immaculate condition has been a demo.
$2,190 includes new carbon paddle!
With a hull design featuring specs of 18' x 22", the V8 is unique in its class. Fast, yet extremely stable, this is a surfski that most kayakers should be able to hop right onto and paddle off.
As new 2016 model ..
A great boat to get started - one of the best selling beginner to intermediate.
The Elite S has all the re-known surfing characteristics of the Elite while bringing in the flat-water qualities that the Glide offer and lower volume Spark offer. This is a ski for good paddlers but has a lot stability than some of its rivals in the same class.
The V10 Sport offers terrific flat water speed and exceptional rough water performance, similar to the V10, but with more stability.
EPIC V10 sport performance - great condition - perfect for intermediate paddlers.
"Our goal with the V8 is to provide a boat that bridges the gap between sea kayaks and surfskis. By blending speed, high stability and a performance oriented deck & outfitting, the V8 offers new levels of accessibility and opportunity."
The Fenn Elite has been a proven success over the years as one of the best downwind surfing skis. The SL (slim line) is the skinny version of the Elite. With the slimmer nose, this boat is a choice for the world's top paddlers.
Call me an let me know what you are after.
A great Intermediate ski. The V10 Sport fits a wide variety of sizes, accommodating paddlers from 5'0" to 6'7". The footbrace is fully adjustable with self-adjusting pedals.
One of the most popular intermediate skis.
The new Epic V10 has been the most successful all around surf ski - getting rave reviews from advanced level paddlers for its speed, handling, ergonomics and stability.
The new redesigned V10L has that winning combination and optimised the hull for paddlers 75 kg and under. The cockpit of the V10L also accommodates shorter leg lengths than the V10.
Great entry level boat -fast and stable. Perfect condition..
Carbon/Hybrid 12.5kgs Ex-demo ski hardly used.
The Stellar 18' Surf Ski (S18S) is an entry level surf ski with great top end speed from the S18R hull design, along with the stability that you have come to associate with a Stellar. With 2 dry storage compartments, the S18S is not only a Surf Ski, but also a capable touring kayak.
New arrival only 2 years old.


Never a dull moment in Billings! Glad he wasn't hurt or anyone else. Hopefully he gets the help he needs. Did anyone happen to witness this or see anything?
KCTR Newsroom - A man who climbed Skypoint in downtown Billings on Saturday night was rescued by first responders. The man was reportedly upset when he climbed the structure and might have been contemplating hurting himself. A Billings police officer spotted the man while driving through the downtown at about 9:30 p.m., according to BPD.


text:
Aproparia is a monotypic genus of moth in the family Lecithoceridae. It contains the species Aproparia pselaphistis, which is found in India (Assam).

The wingspan is 14–18 mm. The forewings are light brownish-ochreous, more or less infuscated posteriorly. The stigmata are small, cloudy and fuscous, the plical rather beyond the first discal, an additional dot beneath the second discal. There is a faint curved fine ochreous-whitish line from three-fourths of the costa to the dorsum before the tornus, more strongly marked towards the costa. The hindwings are grey, more or less tinged with whitish-ochreous.

References

Natural History Museum Lepidoptera genus database

Lecithoceridae
Monotypic moth genera
Moths of Asia

redpajama_set_name: RedPajamaWikipedia


text:
Zoo tries to pass off dog as African lion -- guess what gave it away
By Rob Mackay
A zoo in China is under fire for putting a dog in a cage instead of a lion. According to a local newspaper, the People's Park Zoo disguised a Tibetan mastiff and placed it in an empty African lion cage.
A Tibetan mastiff (photo: www.dogspot.in)
The cover was blown when a little boy noticed the ferocious lion was barking.
The zoo in the People's Park of Luohe, in the central province of Henan, reportedly replaced its lion with a Tibetan mastiff — a large and long-haired breed of dog, according to the state-run Beijing Youth Daily.
The newspaper said a customer named Liu wanted to show her son the different sounds animals made, when the boy pointed out the lion was barking.
"The zoo is absolutely cheating us," Liu told the paper.


text:
Acebedo es un municipio y villa española de la provincia de León, en la comunidad autónoma de Castilla y León. Cuenta con una población de .

Geografía

Ubicación
Geográficamente se localiza en la parte noreste de la provincia de León, en las riberas del río Esla que baña y fertiliza su término. Su término territorial abarca una superficie de 50,2 km²., delimitando el contorno de su territorio los municipios de Burón por el norte y por el este, los de Riaño y Crémenes por el sur y por el oeste los municipios de Puebla de Lillo y Maraña.

Sus poblaciones se hallan cercadas por las montañas, permitiendo a duras penas la coexistencia en sus estrechos valles de sus entidades de población y de las vegas de sus cauces fluviales, como el río Esla.

Orografía
El municipio se asienta en una zona montañosa, oradada por los diferentes ríos y arroyos, que crean valles secundarios al principal creado por el río Esla.

Hidrografía
Acebedo está bañada por el río Esla, el cual recorre el municipio de este a oeste hasta desembocar en el embalse de Riaño.

Demografía

Comunicaciones

Carretera

El municipio se encuentra comunicado por carretera mediante la comarcal CL-635 (hacia el otro sentido se alcanza el puerto de Tarna) y a escasos kilómetros de la N-625 que comunica con Riaño, la capital provincial y Asturias.

Fiestas
Santiago Apóstol, 25 de julio.

Acebedos destacados

Véase también

 La Uña
 Liegos

Referencias

Enlaces externos

 Ayuntamiento de Acebedo

Localidades de la GR-1
Localidades con restos de castros de la Cantabria histórica
Localidades de Acebedo
Localidades de Valdeburón


Purpose The purpose of the paper is to examine the quality of work life (QoWL) and its influence on job satisfaction and turnover (job-leaving) intention of Emirati women employed in various public sector organizations in the United Arab Emirates (UAE). Design/methodology/approach Data were collected through a structured questionnaire gleaned from literature, and were analyzed through partial least squares structural equation modeling. Findings QoWL was found to have a significant relationship with all variables in the model, and was found, as hypothesized, to have a positive effect on job satisfaction and a negative effect on turnover intention. Research limitations/implications One of the main limitations of this study is that the sample is drawn from only Emirati female employees who were working in public organizations based in the Abu Dhabi region, the capital of UAE, and hence, cannot be generalized. Practical implications This study helps policy makers by identifying crucial points that can improve Emirati female employees' QoWL with a commensurate reduction in turnover intention in a collectivistic society. Public sector organizations should address the factors that directly affect Emirati women's QoWL and job satisfaction, as it will ultimately result in less staff turnover, greater productivity, and will also support the localization strategy. Originality/value The study is one of the first enquiries which stresses the importance of understanding how Emirati female employees perceive and categorize themselves as a valuable element of the workplace alongside the significance of augmenting their sense of belongingness to their organization.


As much as the words "can't we all just get along" are embedded in the lexicon, it is a simple fact of life that we can't always agree with everyone in our lives. Whether it comes to business or our personal lives, we will still have disagreements. When big things are at stake, it can be difficult to come to a resolution without assistance. This is where a mediation firm can come in. Although they don't have the binding power of an arbitrator, a mediator is trained in professional negotiation to help two opposing sides reach an agreement that they can live with. Often this can make a resolution amenable and conciliatory, rather than a hostile process. The top Gold Coast mediation firms can handle a wide variety of cases to assist you in reaching an agreement.
Trained to handle a wide variety of issues, mediators can assist with many different conflicts types. These are just a few of the most common ones.
Divorce and child custody: Perhaps the most common use of mediators is to manage disagreements arising from divorce, primarily the separation of assets and the issue of child custody. A mediator will often meet with both parties separately to determine their desires and needs and work with the spouses together to try and reach a resolution. This is often preferred as a mediator will work towards a solution that both parties are happy with while leaving the control in the hands of the people involved. Mediation firms aren't lawyers, and their decisions and recommendations are not legally binding. The goal is for the parties to reach a genuine agreement, rather than an imposed settlement.
Family disputes: When it comes to personal matters, it can be hard to remove oneself from the conflict to look at both sides objectively. This is the job of a mediator, particularly in family disputes. By removing themselves from the personal ties that can make family disagreements so contentious, a mediator can often de-escalate the situation and allow an amicable resolution to be found.
Business and contract disagreements: Normally, the intent of a contract is to clearly lay out the responsibilities of both parties. Nevertheless, plenty of differences arise. While some contracts require the use of a legally-binding arbitration, a mediation session can enable parties to reach an agreement without escalation. By looking at the spirit of the contract and the needs of the parties, the mediator can help encourage the negotiation process between the sides.
Since their decisions aren't legally binding and still require both parties to agree, many may wonder about the advantages of using a mediation firm. There are several.
Reduced legal costs: The legal expenses incurred by both parties at a mediation firm are much lower than the escalated options or actual court time. Mediators can ensure that the parties reach an agreement without costing an arm and a leg.
Privacy: Unlike court cases, a mediation session and solution remains private and off the public record. This makes the solution more ideal, particularly for sensitive matters.
Joint Input on Mediator: Both parties have to jointly select a mediator. This means that there is a greater feeling of fairness in the final agreement since both parties felt equally represented by the mediator.
Better Long Term Relationship: A quicker and cheaper resolution can enable the relationship being mediated to avoid long term damage and perhaps allow for some level of repair and reconciliation.
With several advantages, a mediation firm can be an ideal step for conflict resolution without the engagement of the court or an arbiter.
Why you should hire a bankruptcy lawyer?
When people file for bankruptcy they may have quite a few apprehensions regarding it. While it can help one get relief from the burden of owing a great deal of debt, there are several things which should be kept in mind. This is exactly where a lawyer can help. They not only offer you professional advice but will also help you handle the detailed paper work from start to finish.
So how can a bankruptcy lawyer help you? The following are a few way in which hiring a lawyer would be beneficial for you.
Depends on whether you are filing for chapter 7 or chapter 13 bankruptcy. Your lawyer would be able to help you decide which case would be suitable for your situation.
When hiring a lawyer make sure you ask them if they have helped clients in a similar situation as yours. The right lawyer would help make the process smoother and less complicated for you as a client.
Whether you should apply for chapter 7 or chapter 13 bankruptcy.
Your attorney is responsible for putting your mind at ease. They should answer your queries and help you make the right decisions.
Keep in mind that when you are about to file for bankruptcy you would need to complete a long list of paper work. Any lawyer who specialises in bankruptcy has specialised software which helps prepare a bankruptcy case from start to finish.
However you are expected to provide your attorney with all the financial information, all the assets that you own and all the information regarding the debt you have incurred. All of the information which you give is used in the paperwork which your attorney would prepare. They would also make sure that you don't miss the bankruptcy deadline. Missing the deadline has its own set of complications some of which include delays in the process, dismissal of the case and certain other consequences.
Also your attorney would help give you advice regarding the hearing of the case. Make sure that you hire the right attorney to help you understand the whole process of the bankruptcy. You can search for lawyers by asking people around in the community or searching around on the internet. Hiring the right lawyer can help you find the bankruptcy process easier.
You might need to be face to face with a financial advisor in some part of your life. But you don't have to wait for that exact moment to know how to deal with them without being fooled by some quark. Here are the list of few things that can surely help you out with such stuff in future.
Nothing works best then getting recommendations and word of mouth. The best to way to look for an independent financial advisor perth is by getting recommendations from your friends, family, realties and coworkers. In your circle, there might be few people who personally know any of the financial advisor or might have in good terms with one of them. Such people can help you for sure in order to get you what you want.
Just like any other professional, financial advisors are registers according to proper laws and only registered financial advisors are considered to be the legal ones. Before you are to hire an advisor or to consult one, make sure they are registered according to your country laws.
It is very important for a financial advisor to be fully qualified. There are number of institutes that offer various programs and certification in different aspects and fields of financial advisory according to the nature if the work. Always look for the right advisor by going through their qualification card.
We always love the person who deals us with kindness and warm heart. To know the performance of a professional, go through their annual client review. In this way you can know how the concerned person treat his or her clients and you'll have an overall idea of their professionalism.
There are numerous type of financial advisors having different kinds of certification which makes them professional according to their desire field. You have to choose the right financial advisor knowing that they provide the type of service and advising you are looking for. Always have a talk before hiring them officially to get yourself out of troubles for later.
It is very important for anyone to know the rates and fees of an advisor before hiring them officially. Always have a detailed discussion regarding their fee that they usually charge on specific guidance and advisory. If you believe that the charges are beyond the limits of your budget do not hire or sign any official contract with that financial advisor. Either talk about making flexible rates or go for any other financial advisor that will suit you according to your limited budget.
If you follow the above few tips, I believe you'll get a way to sort out what kind of financial advisor can you help you out with your dealings.
An investment can be considered safe when in any case the invested money is returned in its entirety on a pre-established date. An investment is uncertain when there is a real danger of the debtor's bankruptcy or when the investor participates in the debtor's financial operations and also assumes the risks, as in the case of shares or funds.
The separate management of life insurance is one of the safest insurance products on the market . These are in fact funds created specifically by insurance companies, distinct from those of the company. In the event that the latter fails, the capital set aside with the policy would still be guaranteed.
The companies are also required, every three months, to publish on the national newspapers the composition of the separate management , which is usually oriented towards prudent investments, BTP, Cct, Ctz and BOT, while the equity exposure is rather limited.
In the second half of the 1990s, these policies were considered as outdated by the new generation of life products (the units and index linked) more dynamic as they were more closely linked to the performance of the financial markets. But the 2008 crisis, which caused serious losses in the financial statements of unit-linked companies and even questioned the guarantee of repayment of capital on maturity in the case of index-linked companies (those with underlying assets linked to Lehman Brothers or Icelandic banks), the strengths of traditional life contracts are rehabilitated.
From 1981 to 2009, segregated accounts only recorded positive net performances. Moreover, the results are always consolidated: the provisioned capital is reevaluated every year and can never go down. Every year at the anniversary of the subscription is calculated the yield obtained that is added to the initial capital. On the next occurrence, the yield will be calculated on the total (initial capital + return of the first year) and so on for the entire duration of the contract.
Tourists who book their online holidays increase year by year around the world , to the detriment of travel agencies that are gradually disappearing. Here is a simple way to invest in this fast-growing industry.
1) The number of tourists in the world has steadily increased for over 20 years.
2) Thanks to low-cost airlines, moving has become increasingly easier and cheaper.
3) People in vacation period are inclined to spend much more than they would normally spend.
1) Booking.com: the world's first hotel reservation site, present in 226 countries around the world, 1 million two hundred thousand rooms are booked daily on this site. Booking is owned by Priceline Group, a company that also owns the well-known brands Kayak, Momondo and Rentalcars.
Listed on the US Nasdaq market, Priceline group capitalizes $ 89 billion.
2) Expedia: direct competitor of Booking, differs from the latter for the ability to book, as well as hotels, even flights and holiday packages. Founded by Microsoft in 1996, it is now an independent company that owns the well-known brands Venere.com and Trivago.
Listed at Nasdaq, it capitalizes 22 billion dollars.
3) Tripadvisor: 315 million users and over 500 million reviews and opinions, these are the numbers of Tripadvisor, the website that each consult before choosing any restaurant or hotel. Initially owned by Expedia, since December 2011 it is an independent company.
4) Amadeus: The least known among the big online holidays, is the company that deals with providing the reservation systems (from the price calculation to the issuing of tickets) to airlines, railways, maritime companies, rental companies and chains hotel.
Listed on the Madrid stock exchange, it capitalizes € 22 billion.
How do you invest in this product?
This certificate is quoted on the CERT-X segment of EuroTLX, so just look for this ISIN ( CH0377502726 ) in your home banking, to proceed with the purchase.
If even one of the 4 stocks were to lose more than 33%, the coupon of 1% would no longer be paid, until the security returns above this threshold. If this happens, thanks to the memory effect, we will collect the unpaid coupons, in the period when the price has remained below the barrier level.
In the event that, at the expiration date of the certificate, even only one of the securities had lost more than 33%, then even our investment would suffer this loss.
The coupons of this certificate, are considered "different income", which makes it possible to recover the losses, made with other instruments such as shares or bonds.
Therefore, by buying this certificate, we will not pay the withholding tax on the coupons, as long as we have not recovered the losses on other instruments.
At maturity, within one year, if none of the underlyings is below the barrier level (-33%), we will receive 100% of the nominal value, even with negative performances of the underlying assets. It is ideal for those with bullish or moderately bearish expectations. The certificate could be reimbursed in advance.


text:
Great American Short Stories
Featuring 19 of the finest works from the most distinguished writers in the American short-story genre, this compilation includes "The Tell-Tell Tale Tale Heart," by Edgar Allan Poe; "Bartleby,"...
Classics at Affordable Prices
Featuring 19 of the finest works from the most distinguished writers in the American short-story genre, this compilation includes "The Tell-Tell Tale Tale Heart," by Edgar Allan Poe; "Bartleby," by Herman Melville; "The Luck of Roaring Camp," by Bret Harte; "To Build a Fire," by Jack London; "The Real Thing," by Henry James; "Bernice Bobs Her Hair," by F. Scott Fitzgerald; "The Killers," by Ernest Hemingway; plus stories by Hawthorne, Twain, Cather, Bierce, Dreiser, and others.
©2002. 256 pages, paperback, 5 by 8 inches. Middle school, high school.


omg huge fish. a good shot!
That's a heck of a good Oscar shor Harsh!!!
Oh, what a sad looking fish by its mouth........super shot of how it must be feeling to be stared at and photographed all day:)!!!
Terrific shot Harsh. I have such a hard tim getting pictures of my fish Fred.
What a wonderful capture of this big boy.