How Dental Implants Improves Your Overall Wellbeing?

Damaged or missing teeth make you feel self-conscious about your appearance. A few years back, you only have the option of a bridge or dentures, but today you have a better option – dental implants. The implants feel and look entirely natural that gives back your confidence. Not only are they great aesthetic, but also the improvement in your overall well-being is remarkable. Here are a few benefits that one will experience when using dental implants in McLean.Implants act, look like your natural teeth, and are long-lastingDental implants look exactly like the natural ones, and the reason is the implant fits directly into your gums the same way your teeth do. The crown that is the tooth part of the implant is perfectly matched to the color of your teeth and made by taking impressions of your jaw and teeth, thereby ensuring a perfect fit. Furthermore, the implants not only look like natural teeth but function like your own teeth. You can have all your favorite foods without any difficulties and can normally floss and brush.You have to replace dentures every five to eight years and bridges every ten years. On the other hand, implants are durable and are made of titanium and fused with your jawbone. If taken proper care, they last for a lifetime.Prevent bone loss and keeps other teeth in their placeWhen you lose teeth, you also start losing bone density around the empty space. In the first year, you may lose up to one-fourth of the bone mass, and without an implant, the loss will increase. Generally, this occurs, as there is no root for encouraging bone growth. Implants help in replacing both the root and tooth, thereby stimulating bone growth, and preventing future loss.A missing tooth allows other teeth to shift into the gap. This affects your bite and facial appearance. If you opt for bridges, they can damage the supporting teeth. However, implants will be keeping your teeth stable and avoiding further damage.No requirement of special care and improvement of well-being and psychological healthDental implants in McLean are much easier to clean than bridges or dentures. You need to care for your implants like your natural teeth – regular brushing and flossing, check-ups and dental cleanings at regular intervals. There is no requirement of any messy adhesives or other complex items.In a world where you need to use your smile is changing the world, you need to aware of how losing your smile can change you as a person. Patients with missing or failing teeth do not feel confident and always cover their mouths when smiling. However, when the patients have found a solution and are getting the expected results, their self-esteem increases. People tend to become emotional when they have put implants for the first time, as they have not seen their natural smile in years. Due to the significant improvement of confidence, nowadays, patients are more inclined to implants.

Denny’s Super Bowl free ‘Grand Slam Breakfast’ brings 2 million diners

Friday, February 6, 2009

Denny’s 1,600 chain restaurants across North America, Puerto Rico and Canada, were slammed for eight hours Tuesday with hungry patrons standing on sidewalks for nearly two hours to take advantage of the $5.99 “Grand Slam Breakfast” giveaway.

Denny’s, a dining chain with annual revenue of about $900 million, has advertised in a TV commercial Sunday during the Super Bowl XLIII that it would give away its signature breakfast from 6 a.m. until 2 p.m. local time Tuesday, at all its restaurants in the U.S., Canada and Puerto Rico, while supplies lasted.

Denny’s Diner has promoted the iconic dish giveaway heavily, with a bold 30-second appeal ad that aired during the third quarter of the Super Bowl 43 on Sunday, plus another 15-second ad during the post-game show, offering a free breakfast to some 90 million viewers. In addition, it has placed a full-page ad in USA Today‘s Monday edition. The promotion was further announced on The Today Show and notices were also sent out to the chain’s “Denny’s Breakfast Club” members.

The NBC ad, which was bought to unveil a new promotion for customers squeezed by the recession, may have cost as much as $3 million, said Nelson Marchioli, CEO of Denny’s Corp. Super Bowl XLIII’s 30-second commercial time slot costs $2.4 million–$3 million for the airtime alone, excluding production and talent costs.

The game was televised live by the US NBC Sunday Night Football and Canada’s CTV Television Network. BayTSP has reported that, “as of 10 a.m. Wednesday, commercials that initially aired during NBC’s Super Bowl XLIII broadcast subsequently had been watched online more than 28 million times.”

“The promotion has a total cost of $5 million U.S., which includes $3 million for the commercial on NBC,” said a Denny’s spokesman, noting also that the company received about $50 million in news coverage, most of which was positive. According to a Denny’s representative, two million people walked through the restaurant chains’ doors Tuesday, and each Denny’s restaurant served an average of 130 Grand Slams per hour.

With the “Denny’s Feeds America” promotion, the company has reported 14 million hits on its Web site between Sunday night and Monday morning. Denny’s shares rose 6 cents, or 3.1 percent, to $1.98 in afternoon trading. The stock has traded in a range of $1.18 to $4.10 over the past 52 weeks.

“Denny’s free Grand Slam” has ranked in the top 10 Google searches early Tuesday and fell to No. 18 by the end of the promotion, while “denny s locations” was #9 on Google Trends, which tracks fast-rising searches. It has also held spots No. 1 (Denny’s) and 7 (Grand Slam) on Twitter‘s trending topics. It has generated much chat on Twitter, garnering 1,700 tweets on Tuesday, compared with its average of 59. Doritos, winner of the USA TODAY survey for best Super Bowl spot ad, had 933 mentions after reaching a peak of almost 3,300.

The idea of the TV ad was to get people to come in and re-evaluate Denny’s Diner. “A lot of people have forgotten what Denny’s is, or they think they know, while we’ve come out with a whole lot of new products. We felt like we needed to jump start the brand,” Denny’s Chief Marketing and Innovation Officer Mark Chmiel said.

“We’re celebrating the Grand Slam this year,” Chmiel said. According to the company’s financial data, on January 15 Denny’s reported systemwide comparable-store sales for the fourth quarter were down 6.1 percent, compared to a 0.2 percent decline from the same period in 2007.

According to Robert Gonzalez, public relations company Hill & Knowlton spokesman, Denny’s has expected at least 2 million people to eat a free Grand Slam by the end of the promotion. “Every restaurant is packed with people and lines,” Gonzalez said. “Everything today is about fast. People are on the go, and they’re eating fast food. It’s cutting into sit-down dining,” he added.

“Each of the more than 1,500 Denny’s were planning to make about 100 Grand Slams an hour,” Denny’s spokeswoman Cori Rice said. It had predicted it will have served about 1,400 people per location, more than five times the normal volume. “Grand Slam Breakfast” is a four-item option on its menu, consisting of two pancakes, two eggs, two strips of bacon and two sausage links. It weighs in at 44 grams of fat, 56 carbohydrates and 770 calories.

Nationwide, Denny’s expected to sell about 2 million Grand Slams — about 15 percent of the annual tally. According to Mark Chmiel, chief marketing operator and executive vice president, the diner chain has reported approximately 2 million meals worth more than $12 million were given away nationwide and each Denny’s restaurant served an average of 130 Grand Slams per hour. It estimated it has earned about $50 million worth of public relations following the free Grand Slam campaign, Chmiel said.

The company is also experimenting with a Grand Slam Burrito and also has introduced for this year, a Grand Slamwich, which includes eggs, bacon, sausage and cheese between two slices of bread, with a teaspoon serving. “It already has shown strong consumer appeal,” said Chmiel. The company has received flood of e-mails and letters proving the positive impact of the Grand Slam campaign and commercials on its customers.

Chmiel also announced he’s planning a third major promotion in this year’s third quarter, which happens to include another major sporting event, the World Series. “That’s one we’re definitely looking at,” he said.

Jobless Paris Winslow of downtown San Francisco, California has joined the long line which stretched from the front door on Mission Street, between Fourth and Fifth streets, to the corner of Fourth and up the block. “The economy is getting kind of scary. This line looks like those pictures of soup kitchen lines during the 1929 Great Depression,” Winslow said.

“I came all the way from San Francisco for a free $6 meal, Isn’t that pathetic? A year ago, I never would have done this. These days I’m willing to put my ego on the back burner,” said Stephen Weller, a jobless contractor who waited with his dog, Emmett. California Denny’s restaurant managers have issued rain checks (for free chilled meals, as security backed by actual bacon) to anyone who failed to get in by the 2 p.m. deadline.

A big eater could also “Slam It Up” by adding any two additional items for 99 cents each to their meal. Customers on Tuesday were also handed “bounceback” coupon books that include offers for additional free menu items with purchases. Chicago Tribune reporter Kevin Pang has eaten five free Grand Slams on Tuesday at five different Denny’s Diners in four hours. He claims to have consumed 4,100 calories at Harwood Heights, 5:36 a.m, at Schiller Park, 6:22 a.m., at Franklin Park, 7:08 a.m., at Melrose Park, 7:41 a.m. and at Grand Slam No. 5 Oak Park, 8:57 a.m.

“The Grand Slam has always been a Denny’s favorite. This free offer is our way of reacquainting America with Denny’s real breakfast and with the Denny’s brand,” Denny’s CEO Nelson Marchioli said in a statement. In 1977s, the Grand Slam started as a baseball-related promotion in Atlanta, Georgia. Its normal price averages around $5.99. Marchioli said the event was also a way to kick-off its “Year of the Grand Slam” promotion. Denny’s claimed it has sold 12.5 million Grand Slams a year.

“The economy’s tough and people are jumping all the way to fast food to try to figure it out. We all use fast food, whether it’s for time or convenience or for money. But you can go to Denny’s and you don’t have to give up a real breakfast and that was the whole focus of our commercial,” Marchioli explained. McDonald’s (MCD, Fortune 500) has done well during this economic meltdown since the global recession pushes people toward less expensive dining options.

McDonald’s has announced plans Wednesday to open 175 new restaurants in China this year despite the global economic crisis, thereby increasing the number of outlets in China by 17 percent, from 1,050 currently. Last month, McDonald’s 2008 net profit has risen 80 percent from 2007 to 4.3 billion dollars.

Marchioli has also introduced Denny’s $4 Weekday Express Slam, which is a streamlined version of the Grand Slam. “I want to take back share. For too long, we have allowed others to take share, whether it was Starbucks or McDonald’s. They’re fine competitors and I don’t expect to take all their business from them, but I’d like a little bit back,” Marchioli noted.

According to Rafi Mohammed, author of “The Art of Pricing,” people love free. “It triggers a Pavlovian response in people,” said Mohammed. If Pavlov’s dogs salivate when a bell rings, Denny’s free Grand Slam breakfast has attracted 2 million hungry customers. “I believe free maximizes trial and doesn’t devalue a product as long as it is a rare event. Aside from the cost, the major downside is that it attracts customers who truly have no intention of coming back,” he added.

According to University of Portland consumer psychology professor Deana Julka, people flock to free promotions amid just a few dollars saving because there’s nothing in life for free. “So when there’s something out there that costs nothing, it creates a psychological rush. Especially in these times when people feel overtaxed or overburden, there’s an internal reward people feel by getting something for free,” she said. “It’s being thrifty and feeling like you beat the system. Free really hits the spot for a lot of people,” Julka added.

“Free is an emotional hot button. When free is concerned, there is no downside – or, at least, we don’t see the downside immediately. So we overvalue everything that is free. People love free stuff, particularly when money’s tight,” said Dan Ariely, a business professor at Duke University, author of “Predictably Irrational: The Hidden Forces That Shape Our Decisions.”

Experts, however, explained these moves need to be done sparingly, since giveaways can teeter in the balance between desperation and a well designed marketing ploy. “Giving your product away for free is not worth it because it undermines your brand value,” said branding expert Rob Frankel, saying people are attached to the idea of it being free, than the actual product itself.

Free giveaways are not anything new in the food industry. “It just feels good when you can get something for free and not have to worry about it coming out of your wallet,” Frankel noted. Dunkin’ Donuts and Panera Bread all have had free coffee and food promos last year. “In November, Starbucks gave away free cup of coffee to anyone who came in on Election Day. Have you taken a look at how Starbucks is doing now?” Last week it has announced it would shut down 300 stores, in addition to the 600 it already planned to close.

On February 24, IHOP will be offering a free shortstack to every customer to encourage donations (in place of the cost) for Childrens Miracle Network. The International House of Pancakes (IHOP) is a United States-based restaurant chain that specializes in breakfast foods and is owned by DineEquity. The chain had more than 1950 restaurants in all 50 states, the U.S. Virgin Islands, Canada and Mexico. Since 2006, IHOP’s National Pancake Day celebration has raised over $1.85 million. In 2008, over 1.5 million pancakes (12 miles high if they were stacked) were given to customers for donations.

Denny’s (“Denny’s Diner”) is a full-service diner/family restaurant chain in the United States. It operates over 2,500 restaurants in the United States (including Puerto Rico), Canada, Curaçao, Costa Rica, El Salvador, Jamaica, Japan, Mexico, and New Zealand). The resto chain is known for always being open, serving breakfast, lunch, dinner, and dessert around the clock.

Today, Denny’s operates about 1,600 restaurants in all 50 U.S. states, Canada and Mexico. There are also about 578 Denny’s restaurants in Japan operated under a license by a subsidiary of Seven & I Holdings, seven Denny’s locations in New Zealand, and approximately 38 Denny’s diners in the United States. Denny’s headquarters is now located in Spartanburg, South Carolina, headquarters of the parent company Trans World Corporation that acquired Denny’s in 1987.

Denny’s was historically notable for offering a free meal to anyone on their birthday. The offer included a limited number of meal options from a special birthday menu. The promotional ritual ceased in 1993, though occasionally individual franchises will continue the tradition.

In 2008, Denny’s has ceased to be in the ranks among the top diner chains in the $83 billion breakfast market, whose top five firms — McDonald’s, Starbucks, Dunkin’ Donuts, Burger King and IHOP — accounted for 22 percent of the volume. “A lot of consumers have written Denny’s off their let’s-go-there list,” said Ron Paul, president of Technomic, a consulting firm.

Super Bowl XLIII was an American football game between the American Football Conference champion Pittsburgh Steelers (15–4) and the National Football Conference champion Arizona Cardinals (12–8) to decide the National Football League (NFL) champion for the 2008 NFL season. It was played on February 1, 2009, at Raymond James Stadiumin Tampa, Florida. It has an attendance of 70,774 and 98.7 million viewers. Pittsburgh earned its sixth Super Bowl win, thus securing sole possession of the record for most Super Bowl wins.

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Wikinews interviews Mark Bunker, producer of anti-Scientology website ‘XenuTV’

Monday, February 18, 2008

Television producer and owner of the anti-Scientology website www.xenutv.com (XenuTV), Mark Bunker, also known as Wise Beard Man, chatted online with Wikinews for nearly three hours. More than 120 people followed the interview live (many from Project Chanology), which makes this exclusive Wikinews interview our most attended IRC interview to date.

Bunker started XenuTV in 1999 and began to make videos that he provided for the Lisa McPherson Trust. Bunker has been a critic of the Church of Scientology since 1997.

In 2006, he won a Regional Emmy Award after he and KUSI-TV news reporter Lena Lewis produced a documentary news video on the issues with the United States – Mexico border with San Diego, California.

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Wikinews interviews Dr Thomas Scotto and Dr Steve Hewitt about potential US military intervention in Syria

Wednesday, September 4, 2013

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The United States President, Barack Obama, announced on Saturday he was seeking Congressional authorisation for military intervention in Syria.

Wikinews interviewed Professor of Government Dr. Thomas Scotto from the UK’s University of Essex and Senior Lecturer in American and Canadian Studies Dr. Steve Hewitt from the UK’s University of Birmingham about the proposed military intervention by the USA in Syria.

((Wikinews)) What is your job role?

Dr. Thomas Scotto: I am a Professor of Government, teaching courses in quantitative methods, public opinion, political behaviour, and American Politics. I have been at Essex since January, 2007. I am the Principal Investigator of a major ESRC grant on public opinion on foreign policy attitudes in five nations (Great Britain, United States, Canada, France, Germany, Italy).
Dr. Steve Hewitt: Dr. Steve Hewitt, Senior Lecturer in American and Canadian Studies [at the University of Birmingham].

((WN)) The Republican speaker John Boehner is endorsing Barack Obama’s strategy, do you think this will lead to Congress authorising military intervention?

TS: Ultimately, I believe that the President will succeed, but I doubt it will be a neat voter — there will be a significant number of Democrats and Republicans who do not fall into line and vote against intervention.
I think the real story is that in the past two weeks, we have seen an amazing shift in how the Executives of the United States (President Obama) and the United Kingdom (Prime Minister Cameron) execute foreign policy. In the post-War period, committing the nation to take military action was seen as the prerogative of the President and Prime Minister, with the legislatures of both countries providing, at best, weak oversight.
In the United States, there is the War Powers Act and the authorisation of the first Gulf War, but the President’s authority was rarely challenged nor was it really believed that the President needed to consult Congress. In the UK, you would have to go back to the late 1700s to find the last time a Prime Minister was truly rebuffed on a matter of military intervention.
Why is that? I think it’s war fatigue on the part of the public and the average member of the UK Parliament and the US Congress. A significant number of those sitting on the backbenches of Parliament and in the Congress are thinking of balancing their nations’ budgets in times of fiscal austerity, and they have ties to constituencies, which don’t want to see their country shed blood and treasure in another prolonged conflict in the Middle East where the backgrounds of the rebel groups the US and UK are supporting is not well defined and the end goals are uncertain.
SH: Not necessarily. Boehner has not been able to carry Republicans in the past. His being onside increases the chances of authorization but it doesn’t make it inevitable.

((WN)) Is the US general public in support of taking military intervention in Syria?

TS: No, not at all. We’ve polled a representative sample of the American public in June of 2012, February of 2013, and this summer. Support for intervention in Syria has not moved. In our surveys fewer than 1 [in] 5 respondents were open to the idea of sending American ground troops into Syria. This was true regardless whether their aim was to provide humanitarian assistance or topple al-Assad. There are also low levels of support for arming the rebels. What is amazing is that, despite the reported use of chemical weapons and the deaths and displacement of 100,000s of Syrians, there has been little change in support levels over the time period we’ve been in the field with our surveys.
SH: No, clearly the American public is not in favour of intervening in Syria. About 60% are opposed in the latest poll.

((WN)) The British Parliament voted against military intervention in Syria, do you think this has led Obama to put a vote to Congress?

TS: I think Obama wants Congress to own this. Some in Congress believe that the United States would be doing too little if it only carried out limited missile strikes to punish al-Assad. Other Members are dead set against intervention of any type. The President was finding it impossible to please everyone, and instead, basically said sort out what you want me to do. It is an amazing turn of events where the President might be constraining himself in terms of the response he could take. Obama’s decision may have ramifications for Executive-Legislative relations in the US for years to come.
SH:That may have played a role but it is still not clear why President Obama has taken this course. It may also be the case that he is looking to share the political risk that goes with attacking with Republicans and Congress in general.

((WN)) After more than a decade of war in Iraq and Afghanistan, does the US general public feel disillusioned in taking military action?

TS: Yes, definitely. Less than half of the American public believes the Iraq war was a success, and we have found that those who believe that the previous conflicts in the Middle East were a failure are likely to be those opposing action against Syria. So many people think the Iraq and Afghanistan interventions cost too much and did little good — it’s really weighing on the public’s mood at this time.
SH: Yes, there clearly is fatigue in relation to interventions and the lack of clear resolutions of the conflicts in Iraq and Afghanistan.

((WN)) Do you think military intervention in Syria will affect Russia–United States relations?

TS: It is hard to say — in the short term, yes. In the long term, it really depends on how Putin sees the long term interests of himself and his nation vis-à-vis the United States and America’s western allies.
SH: Yes, although relations are already tense. How extensive any attack by the US on Syria will determine the full impact on US–Russia relations.
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What Are Hid Lights And How Can You Get Them

By Daniel Millions

Have you ever passed a newer Porsche or BMW and noticed their distinct headlights? Those headlights are called HID. HID, or High Intensity Discharge, is the new replacement technology for halogen headlights. There are numerous advantages of HID headlights. Brightness, electrical consumption, and looks are the most notable advantages of Xenon HID conversion kits. If you’re looking for the perfect upgrade for your vehicle, consider a Xenon HID conversion kit.

Brightness is the biggest advantage of an HID conversion. Not only will you be able to see farther and better at night, but other drivers will be able to see as well. It’s estimated that an HID conversion kit will increase your brightness from a halogen set up as much as 300%. With the addition of brightness you also get a unique and vibrate color to your headlight color. That is the perfect upgrade for any vehicle that lacks xenon light and will also be extremely beneficial to anyone driving at night.

Electrical consumption might seem misleading as an HID Conversion Kit is actually brighter than halogen bulbs, but HID actually consumes less electricity. In each HID conversion kit you are given ballasts. These ballasts actually convert your standard 55w electricity that powers your halogen bulbs and reduces it to 35w. This puts less strain on your electrical systems.

[youtube]http://www.youtube.com/watch?v=D0KDKMrWWLg[/youtube]

Relays should also be noted in order to have a functioning xenon upgrade. By using a relay instead of directly plugging your existing harness into the HID kit wiring plug you are able to prevent the flickering caused by poor halogen wiring. If your xenon kit has recently been flickering, a relay will almost always solve this problem.

A distinct xenon HID conversion will allow you to stand out among the thousands of other vehicles on the road. HID kits can vary in color, depending on how bright or which color you want. The lowest on the scale is 3000k, which emits a yellow beam. As we scale upwards, 4300k gives off a pure white, 6000k give off a light blue, 8000k a deep blue, and 12000k gives off a bright purple. There are advantages and disadvantages for the more unique colors. As you increase the temperature, or Kelvin (k), the output actually decreases. The 12000k purple is actually not as bright as the 4300k. If you’re looking for looks, go crazy with the 8000k or 12000k. If you want a balance between brightness and color, consider the 4300-6000k.

A Xenon HID conversion kit can not only update the look of your vehicle, it is actually in your own interest to increase visibility and make your vehicle safer by upgrading to an HID kit. The installation is actually very simple and all wiring, harnesses, bulbs and mounting is included with each HID kit. With a price tag of around $100, you can’t beat this upgrade in performance and looks.

Kits are available in almost all sizes as well (H1, H3, H4, H7, H8, H9, H10, H11, H12, H13/9008, 9004, 9005, 9006, 9007, D1S, D2S, D2R).

About the Author: We offer high quality HID conversion and Xenon Light kits for many vehicles.

Source: isnare.com

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Heavy snow causes disruption across northwestern Europe

Thursday, March 14, 2013

Wintry conditions are causing widespread disruption across parts of northwestern Europe over the past two days. Heavy snow as well as sub-zero temperatures have resulted in cancellations of hundreds of flights and caused traffic disruptions on major roads.

Many hundreds of passengers became stranded at Frankfurt Airport in Germany on Tuesday night as the airport closed, with many more flights cancelled yesterday. Tuesday in Paris, at the Charles de Gaulle Airport a quarter of the flights were cancelled. At Orly Airport a landing Tunisair slid, prompting evacuation of 140 passengers.

The Eurostar train service which connects London, United Kingdom with Paris, France and Brussels, Belgium was suspended after heavy snow. Many drivers stayed in their cars overnight in south Britain.

Maria Fanucchi from the Montmartre area of Paris said, “It was a winter wonderland for a day (yesterday [Tuesday]), but now it’s melting very fast. The streets are full of a dirty, slushy mix of black snow and water […] [my] trip to The Hague was canceled because the bus company didn’t want to risk getting stuck in the snow.”

Randy Tahtouh of Berlin said, “it snowed more then usual this year, well the public transport were not functioning properly and some roads were jammed”, and “in Friedrichsfelde, there was about 4 inches of snow.”

Helena Kristiansson from Brussels said she was stuck on a road for nine hours in 65 kilometers of queues; she tweeted, “Stuck at a road for Brussels closed since 5pm yesterday due to shoulder deep snow.. Really France? Really? #FML #fb”.

Belgium had over 1,600 kilometers of traffic jams during the Tuesday morning rush hour, reported the Touring breakdown assistance association, as lying snow on roads made driving difficult. The Belgian Pensions Minister Alexander De Croo struggled to attend the cabinet budget meeting as the snow hit. He said, “The budget won’t be simple, but just getting into Brussels to get started is a task of a different order altogether”.

Guernsey Airport, one of the major airports in the Channel Islands, opened on time this morning after heavy snow and ice caused the airport to close for a time yesterday.

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On the campaign trail in the USA, September 2016

Friday, October 21, 2016

The following is the fifth edition of a monthly series chronicling the U.S. 2016 presidential election. It features original material compiled throughout the previous month after an overview of the month’s biggest stories.

In this month’s edition on the campaign trail: an arrest warrant is issued for the Green Party presidential and vice presidential nominees; the “Birther King” opens up about Donald Trump’s changing view on President Obama’s place of birth; and Wikinews interviews a write-in presidential candidate hoping to run the “most libertarian” campaign in history.

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Financial Advisor Designations: Spotlight On Estate Planning Specialist

By Cory Bowman

There are a variety of financial advisor designations out there to choose from when deciding on a program or certificate that will enhance your business practice or simply grow your personal knowledge. One financial advisor designation that can be very useful is the designation of estate planning specialist. An estate planning specialist, (someone who is Board Certified in Estate PlanningTM) understands the basics of estate planning and is well-versed in real-world examples.

For example, an estate planning specialist should be familiar with different types of shares as well as current financial news that relates to mutual funds – A, B, and C shares are the most common types of shares. In general, A or C shares result in higher returns if less than $100,000 is invested. Class A shares are the favored choice if $100,000 or more is invested. In most instances, B shares are the second best choice if less than $100,000 is invested.

During 2006, the NASD imposed more than $40 million of fines on brokerage firms for improperly selling B and C mutual fund shares. During the early part of 2007, the SEC acknowledged that one of its key arguments no longer exists; the agency had assumed A shares were always better than B shares. The NASD commission now believes that cost alone is not the only decision in making investment recommendations.

[youtube]http://www.youtube.com/watch?v=I2MJ51j65uY[/youtube]

Most of the lawsuits against brokerage firms were based on one of three things: (1) failure to tell clients that A shares can be cheaper than B shares, (2) fraud, and/or (3) suitability. In a 2007 case dropped by the SEC, the agency acknowledged that even at the $250,000 breakpoint, B shares may not be more expensive for the client than A shares. One broker, now retired, spent $400,000 in legal fees and lost $1.6 million in deferred compensation in 2001 when his broker-dealer fired him over the sale of B shares. In late 2005, a NYSE arbitration panel ordered the firm to pay the terminated broker all deferred compensation plus legal fees.

Financial Advisor Designations: Reviewing Performance

As a financial advisor, including specialists in estate planning, one must be able to look at different investment options, review performance of the options, and make investment suggestions to help clients reach their goals. Over the last few years a number of different asset categories have performed quite well and investors do have a choice, depending upon their objectives, time horizon, tax bracket, level of risk and ability to make a lump-sum or periodic payments. Some investment vehicles that an investor may have to choose from are: (1) individual securities, (2) exchange-traded funds (ETFs), (3) exchange-traded notes (ETNs), (4) enhanced appreciation notes (EANs), (5) closed-end funds (CEFs), (6) real estate investment trusts (REITs), (7) unit investment trusts (UITs), (8) annuities and/or (9) open-end mutual funds.

Courses for financial advisor designations should provide insight into how multiple investment vehicles can be used to construct a unique and effective series of diversified portfolios. Financial advisors should help their clients understand the workings of mutual funds – once the clients understand how mutual funds work, it is doubtful they will want to use anything else for the bulk of their portfolio. Mutual funds are truly one of the best investment vehicles ever created. The types of assets open-end mutual funds invest in provide the flexibility, returns and risk level that clients are generally looking for.

About the Author: Cory Bowman is Director of Ops at the Institute of Business Finance. IBF has helped thousands of members of the financial services industry attain designations. For more information about IBF, financial advisor designations, or becoming an estate planning specialist, visit http://www.icfs.com

Source: isnare.com

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US Justice Department sues American Airlines on behalf of reservists

Sunday, January 15, 2006

The US government has filed a lawsuit against American Airlines on behalf of three pilots. The pilots were employed by the company while serving in the Naval Reserve and Air National Guard.

The US Department of Justice alleges that when the pilots were called into active duty by the US military, American Airlines denied them employment benefits. The Department of Justice said in a complaint filed in the US District Court in Dallas that American Airlines conducted an audit of leave taken for military service by pilots in 2001. The Justice Department charges that based on that audit American Airlines then cut the employment benefits of pilots who had taken military leave while not cuting benefits of pilots who had taken non-military leave.

Justice Department Assistant Attorney General Wan Kim said “This nation depends on our reservists to faithfully carry out their duty. No reservists, indeed no members of the armed forces, should ever be punished or discriminated against for answering the call of duty.”

This is the first class action lawsuit under the 1994 Uniformed Services Employment and Reemployment Rights Act.

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Historic gym the site of Benet Academy, Illinois victory over Oswego

Monday, January 18, 2010

Benet Academy Redwings 40 34 Oswego Panthers

The Benet Academy Redwings boys basketball team defeated the Oswego High School Panthers 40–34 Saturday night at Benet’s historic Alumni Gym. 

Located at Lisle, Illinois, United States, the gymnasium is home to Benet’s winning streak of 102 consecutive home games. The statewide record lasted from November 26, 1975 until January 24, 1987, when Naperville North High School defeated the Redwings 47–46. Benet also achieved 96 consecutive victories in the Western Suburban Catholic Conference at that time. 

The school continued to use the facility, colloquially referred to as the “Old Gym” or the “Small Gym”, until the end of the 1994 season, when a newer athletic center was built on campus. It wasn’t until the late 1990’s when then-coach Marty Gaughan decided to play one game per year in the Alumni Gym to remind the school of its history. “There is just an electricity, and you feel it when you are in there,” said Gaughan, who coached the team from the 1989–1990 season to the 2007–2008 season. 

This tradition continued until the 2006–2007 season, when the Redwings played against long-time rival St. Francis High School. Renovations prevented the gym from being used for athletic events over the past two seasons. This game was Benet coach Gene Heidkamp’s first opportunity to coach in the older gym. “So much history and winning has taken place there, which makes it so special. It is something the entire school community is excited about,” said Heidkamp. 

Saturday’s game was played at the Alumni Gym at the request of Oswego assistant coach Jim Bagley. He wanted his son, senior forward Chris Bagley, to experience the same atmosphere he had as he played for Benet in the 1978–1979 season. Greg Kwiatkowski was also Jim Bagley’s teammate in Benet, and his son, Joe Kwiatkowski, was in the Panthers’ starting lineup as well. “Two of us who played at Benet together and now our son’s play on [Oswego] together and for them to have a chance to play where we played is going to be a great night and great experience,” said the senior Bagley. 

Alumni Gym apparently still had its charm in the second half for the Redwings, whose 15–17 score at halftime worsened into an 11-point deficit in the third quarter. Benet fell behind with a score of 21–29 at the start of the fourth quarter. From that point, the Redwings’ defense began to kick in. Oswego could make only 2 of its 13 field goals in the third quarter. Benet’s offense also gained momentum as center Frank Kaminsky scored all of his 9 points in the fourth quarter. A shot by senior Mike Runger brought the score to 31–31, and two consecutive driving layups by David Sobolewski gave Benet the lead that would last for the rest of the game. 

“We hit a dry spell there, but let’s give credit where credit is due. Defense wins games and they are the best defensive team we’ve faced all year,” said Oswego coach Kevin Schnable.

Benet’s Matt Parisi led his team with 15 points, and Sobolewski scored 12. Oswego’s Andrew Ziemnik also scored 12. 

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