Springfield, Ma Cosmetic Dentistry Specialist On Esthetic Dentistry

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Springfield, MA Cosmetic Dentistry Specialist on Esthetic Dentistry

by

Dr. Mariano

NORTHAMPTON, EAST LONGMEADOW AND SPRINGFIELD, MASSACHUSETTS Patients may be under the impression that it is not possible to improve the look of their smile, particularly if they are on a limited budget. What they may not realize, though, is that regardless of what their esthetic problem is, there is a procedure to address it. With the expertise of a Northampton, MA dentistry specialist like cosmetic dentist Dr. Lisa Emirzian of EMA Dental, which offers a number of general, esthetic and prosthodontic services, including dental implants they can have the smile of their dreams.

Esthetic dentistry targets the appearance of patients’ gums, teeth and bites. Emirzian and other cosmetic-focused Springfield, MA dentists use the latest technology to offer a broad range of services, from the simplest of treatments, like teeth whitening, to more complicated ones, like smile makeovers. No matter what patients want to change about their smiles, EMA Dental provides services that are guaranteed to give them the results they desire.

EMA Dental is happy to offer the following cosmetic treatments:

-Porcelain veneers: Veneers are custom-made porcelain shells that are attached to the front of teeth. Porcelain veneers are used to change the color and/or shape of teeth, and are highly stain-resistant as well as natural looking.

[youtube]http://www.youtube.com/watch?v=Q9T8i4FkNVo[/youtube]

-Bonding: Bonding is used when amalgam fillings and porcelain veneers cannot. It uses a tooth-colored resin to improve the color of teeth, close gaps between teeth, make teeth look longer, and repair cracked or chipped teeth.

-All-ceramic crowns: Dental crowns fit over the parts of teeth that lie above the gum. They are utilized to change the look of teeth that are misshapen and/or discolored, repair broken teeth and protect weak teeth.

-Tooth whitening: Tooth whitening can brighten teeth by removing stains from tobacco, coffee and win. EMA offers a number of tooth whitening options, including 30-minute and 60-minute in-office treatments, at-home whitening using custom trays, and ZOOM! whitening.

-Invisalign: Invisalign is a good choice for patients who want straight teeth without the appearance of metal braces. These invisible braces use a series of removable aligners that straighten teeth comfortably and quickly.

-Smile makeovers: Smile makeovers usually employ a variety of cosmetic treatments. At EMA Dental, Emirzian considers patients’ desired results, as well as what procedures are needed to improve their oral health at the same time.

Patients who have been waiting for the right time to undergo an esthetic procedure should not hold off any longer. Having the smile they have always wanted can boost their self-confidence, restore their facial structure to its original appearance and improve their oral health. Professional cosmetic specialists like Emirzian care about their patients and are able to determine what treatments are best to give them a healthy, beautiful smile. Patients should call EMA Dental today to learn more about esthetic dentistry and get on the right track toward an eye-catching smile.

2013 Sinai Marketing and EMA Dental group. Authorization to post is granted, with the stipulation that EMA Dental group and Sinai Marketing are credited as sole source. Linking to other sites from this article is strictly prohibited, with the exception of herein imbedded links.

About EMA Dental

To learn about EMA Dental call: (413)731-8800.

EMA Dental is a multispecialty practice committed to providing

Springfield MA braces

,

extreme makeovers

and

lumineers

, for their patients.

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Springfield, MA Cosmetic Dentistry Specialist on Esthetic Dentistry

Miami Airport Transportation}

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Miami Airport Transportation

by

Richard Morrisson

From all the hotels in South Beach, Miami airport transportation assures you discreet and punctual car service to Fort Lauderdale airport and to the International Airport, Miami. Our corporate car service to Signature and Opalocka Executive is always available for you 24×7. Our expert limo drivers are always there to your service, for driving you to sales meeting or important appointment.

Is it leisure traveling, appointments regarding sales meeting, entertaining clients or corporate transportation to Miami port from the Ft Lauderdale airport that you seek, we satisfy your every Miami airport transportation need. Our clients include the executives from companies, celebrities, dignitaries and government agencies including the local South Florida residents.

Miami car service is available even in Brickell, Miami Beach and Fort Lauderdale port, South Beach, Sunny Isles, Surfside, Kendall, Aventura, Ocean Reef Club, Orlando, Key Largo, Tampa, Pensacola and Key West.

[youtube]http://www.youtube.com/watch?v=3Jlip_SBNSs[/youtube]

Be it any occasion, you may always look forward to our car service. Whether it is reaching any sales meeting destination, corporate office, restaurant gathering, conventional hotel in Miami, Palm Beach, Ft Lauderdale or Florida Keys, you can rely on Miami airport transportation.

Our car service corporate, Miami, welcomes the corporate accounts. You may avail discounts for your corporate car in Miami during any month. Since 1998, Miami Finest, Inc. is into limousine industry. Each customer reservation reflects the experience of our car services.

With Miami airport transportation, expect reaching any place in Ft Lauderdale and greater Miami easily. Our lincoln cars offer you best executive transport to the International Airport, Miami. The Limousine drivers are expert drivers, who help you reach the airport according to your schedule.

We always maintain our cars clean and beautiful and attend to each transportation need in detail. Our limo services invite you for joining us for a destination you choose. However, you need not be necessarily a celebrity for receiving our services related to executive transportation. Make the most of our

Miami airport transportation

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Always look forward to our unique airport transportation services and get the most out of them.

The Author is a professional writer, presently writing for

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related topics for Miamifinest.com

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How To Day Trade For Beginners?

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How to Day Trade for Beginners?

Day trading can be daunting for beginners as it requires the appropriate mentality, terminology, and methodology. Many skilled traders utilize advanced day trading tactics, but beginners can master some of these trading tactics too. Learn what day trading is, how to start, and more below.

What Is Day Trading for Beginners?

Buying and selling security in one trading day is “day trading.” Day traders close out their positions before the markets close to finalizing the trade and multiple trades can be made in one trading session.

Day traders usually capitalize on small price changes in liquid stocks or currencies. The main benefit of day trading is avoiding surprise overnight market changes. This allows you to get a decent night’s sleep before your next market opening.

Types of Day Trading as a Beginner?

Scalping

Scalping is a popular day trading strategy that focuses on short-term trades. Scalpers must respond quickly and enter and exit deals within seconds or minutes. They must also time entry levels, choose high-probability trades in liquid, volatile assets, and trim losses fast.

Scalpers prefer narrow spreads, fast order executions, and little slippage. They regularly examine short-term tick charts for anticipated pricing patterns. Beginners can practice scalping with a demo account before trading with real money, to practice their strategy.

News-trading

Day traders with huge finances and a high-risk appetite may employ news trading tactics to profit from volatile markets after key news releases. News traders check economic calendars and news sources for important data or occurrences.

Fundamental or technical analysis might inform news trading methods. They demand a trader to examine the market before a risk event to observe critical support and resistance levels so they can act fast once the news is out.

Oversold/overbought reversals

The Relative Strength Index and the Stochastic Oscillator are momentum indicators day traders use to predict overbought or oversold markets. Day traders buy oversold markets and sell overbought ones. Active trading demands quick reactions to make trades at the proper moment and level.

Pivot point

A pivot point is a technical analysis indicator that averages the day’s high, low, and close prices. Traders purchase before pivot points below the market and sell before those above it.

Pattern breakouts

Day traders study price charts for predictive trends. Once the market breaks out of a pattern, it might establish an aim for how far it may go in that direction. After a breakout, day traders set up a trade in the breakout’s direction and seek to close it around the computed price objective.

How to get started as a Day Trader for Beginners?

Reports reveal a rise in day trading newbies and today’s traders are smarter and better informed than in the past, thanks to trader academies, courses, and trading apps.

Demo day trading account

Demo accounts will give you trading suggestions and allow you to learn without risking real money. Free trading simulators let you practice before risking real money. They teach how to pick stocks, learn patterns and practice day trading strategies. For me, I use and recommend the TD365 demo trading account, they also have a free trading course for beginners when you sign up.

Day trading books

Strategy, risk management, psychology, and technical analysis are covered in day trading literature. Librarians and booksellers aren’t day traders and finding the best books are difficult, luckily I have compiled a list of the best day trading books for beginners.

Day trading courses

A high-quality day trading course teaches you lucrative trading tactics and ways of managing stock portfolio risk also having mentors and a community of like-minded people gives new traders knowledge and support.

Courses aren’t created equal, they vary in terms of instructors’ experience and track record, course format, learning tools, resources, and time and money worth, I would recommend using free courses like what is offered by trading platforms like TD365 and using YouTube to learn from successful traders.

Conclusion on Day Trading for Beginners.

Your success as a day trader depends on your strategy and discipline in applying it. The easiest approach is to practice through a demo account, the more you practice the more likely you are to profit when to move to real money.

Technical analysis plays a vital role in day trading since it accurately predicts short-term market fluctuations. Technical analysis can verify trades.

Beginners should establish a day trading plan with risk management and only start with small amounts that you don’t have an emotional attachment to and don’t need for day-to-day living.

Considerations Before You Obtain Scaffolding Towers For Hire

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Submitted by: Ryan Pauline

One of the first concerns that you should take care of even before you opt for tower scaffolding for hire is the legal concerns that concern you and your construction project. Have your construction project met the prerequisites in taking safety measures for the working environment and the workers that will be involved in the project? Are your workers fit enough to participate in the construction project? Have the overhead and the underground electrical connections met the standards that are set for the construction site? These are some of the questions that you should truthfully answer and meet even before you opt for tower scaffolding for hire.

Next thing to do before you consider having tower scaffolding for hire is to inspect the entire construction area for problems that need immediate attention. If there are fragile surfaces that are present in your construction site, you may have a problem in mounting the scaffolding for hire that you have obtained. Examples of these fragile surfaces are unstable wooden planks, dents on the flooring of the construction site, and the presence of ceilings that are at risk of falling off. If your construction area has some fragile spots, you should first identify all of these hazards. That way, you can easily determine what to do with those surfaces. After proper identification and overall assessment of the entire area, the next step is to gather your workers who specializes in fixing these areas. They will be the ones who will take care of repairing these problems before you commence with the construction project and before you consider having tower scaffolding for hire.

[youtube]http://www.youtube.com/watch?v=WFcdl-m2_OU[/youtube]

Another aspect that you should check before you obtain tower scaffolding for hire is the presence of health risks on the construction area. If you do not take care of this aspect, you run the great risk of your workers getting ill in the process of doing your construction project. This may stop them from working on the project. Eventually, this can lead to a lower rate of productivity of your resources, waste of resources, and the abandonment of your entire construction project.

One of the common health risks in construction sites that you should consider before having scaffolding for hire is the risk of having asbestos inhalation injury. This condition can lead to other pulmonary conditions which can eventually lead to death of your workers. Another condition that you should look out for is the high saturation levels of carbon monoxide in the area. If not addressed, this may lead to immediate poisoning of your workers in the long run. To address this, you may hire gas engineers to help you with some logistics in the area. Some of these methods are proper ventilation of the area and teaching of the important precautions to take to avoid combustion of materials. This is important because combustion of materials in the area which may lead to a fire breakout. Other conditions that you should look out for are dermatitis, presence of excessive noise, and the frequent exposure to vibrating tools.

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scaffolding for hire

? Visit

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Equity Release Fulfilling Your Dreams After Retirement

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Equity release fulfilling your dreams after retirement

by

Jim wright

Are you going to get retired in the coming days? If so then you must be dreaming of those unfulfilled passions which were buried inside your heart due to work pressure. A long drive to sea side or building up a beautiful garden and many more must be in your thoughts. A long waited leisure is on your way and you must be thinking to make the most of it. A romantic holiday to Italy can be a nice way to celebrate the retirement. Let me hit you with reality amidst these beautiful dreams. In this present world anything you want to do needs money. Do you have enough savings to pursue your dreams? Will you receive enough amount of pension? If not then how will you arrange money for your dreams? If you are blessed with an owned property then that can help you.

No, I am not suggesting you to sell your property and remain homeless to fulfill your dreams. What I am talking of is a financial product known as equity release or lifetime mortgage. When the huge recession hit the market the pension amount for retired people reduced heavily. To cope with this problem equity release invaded the market. Suppose you own a property in which you live. But you can not sell it or give it in a mortgage because that will create a chance of loosing your property if you cannot repay the loans. But if you enter into an equity release agreement you can live in your home and get paid for that too. It is not a miracle. With this agreement you will commit that after your death the property will be owned by the organization with which you did the agreement. The organization will pay you the value of your house on present day. When they will sell your house after you death they will obviously get a much higher value and thereby that will create their profit amount. The most important aspect of equity release is the product is fully tax free.

[youtube]http://www.youtube.com/watch?v=x7zgMlH8XwQ[/youtube]

There are various

equity release solutions

available in the market. You can choose from any one of them based on your requirement.

    1)Home reversion Scheme: in this equity release solution you can have the option to deal the whole of your house or a part of it. You will be given the evaluation amount of the money for the part you are dealing with. The organization will profit by selling that part after your death. 2)Roll-Up lifetime mortgage: This is the solution in which you and the agreement provider will finalize an amount for your property and the provider will pay that to you. The interest rate will remain fixed throughout. 3)Fixed Payment lifetime mortgage: This solution will provide you money based on your age, your property s condition and your health.

There are some disadvantages also. You will not be in any position to pass your property to heirs if you opt for

equityrelease

solution. Despite that, this is the best way to materialize your dreams after retirement.

Jim Wright is a content writer on

equity release solutions

. He keeps good knowledge on the

equityrelease

. For more information he always recommends you to

therightequityrelease.co.uk/

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Fr Certification Guides}

Admin

Submitted by: Michael Pappas

Question: 1

On 1 April 2012, Hunting plc acquired 70% of the ordinary shares of ICM Ltd. The following figures relate to the year ended 31 December 2012. Hunting plcICM Ltd

$$ Revenue769,000600,000

Cost of sales 568,500420,000

Gross profit200,500180,000

On 15 November 2012 ICM Ltd sold goods which cost it $5,000 to Hunting plc for $7,000. These goods were still held by Hunting plc at 31 December 2012.

What is the amount for gross profit in the consolidated income statement of Hunting plc for the year ended 31 December 2012?

A. $335,500

B. $333,500

C. $983,500

D. $985,500

Answer: B

Question: 2

A conceptual framework is a statement of generally accepted theoretical principles which form the frame of reference for financial reporting.

Which of the following is NOT a disadvantage of conceptual framework?

A. Standards are developed on patchwork basis.

B. Conceptual frameworks are developed for preparing financial statements that is intended for wide range of users.

C. Financial statements are used for variety of purposes.

D. The task of preparation and implementation of standards.

Answer: A

Question: 3

Where transactions have taken place between related parties, the entity should disclose the nature of the related party relationships, as well as information about the transactions and outstanding balances necessary for an understanding of the potential effect of the relationship on the financial statements. The disclosures must include the following, except

A. The amount of the transactions.

B. The amount of retained earnings.

C. Provisions for doubtful debts related to the amount of outstanding balances.

D. The expense recognized during the period in respect of bad or doubtful debts due from related parties.

Answer: B

Question: 4

Jerry Co has a defined benefit plan. At the financial year end, the plan has the following values:

$m Fair value of plan assets65 Present value of pension obligation52.5 Cumulative unrecognized actuarial losses2 Present value of refunds from the plan and reductions in future contributions11.5

What is the value of the pension in the statement of financial position?

A. $(12.5)m

B. $(14.5)m

C. $(10.5)m

D. $10.5m

Answer: B

Question: 5

Sarah plc has owned 100% of the ordinary share capital of Ulysses Ltd and Wally Ltd for many years. Ulysses Ltd operates in a country in Central Africa. In June 2013, civil war broke out in this country. Essential services have been severely disrupted and it has been impossible to communicate with local personnel for several months. This situation is unlikely to be resolved inthe near future. Wally Ltd is an insurance company. The rest of the group extracts and processes mineral ores.

In accordance with IAS 27 Consolidated and Separate Financial Statements and IFRS 3 Business Combinations which of these companies must be consolidated by Sarah plc at 31 December 2013?

A. Ulysses Ltd only

B. Wally Ltd only

C. Both Ulysses Ltd and Wally Ltd

D. Neither Ulysses Ltd nor Wally Ltd

Answer: B

Question: 6

Which of the following are roles of the IFRS Foundation?

(1)To issue IFRS

(2)To examine any identified or alleged departures from IFRS

(3)To guide the International Accounting Standards Board (IASB)

(4)To secure finance

A. (1) and (2)

B. (1) and (3)

C. (2) and (4)

D. (3) and (4)

Answer: D

Question: 7

Gene Ltd has the following assets and liabilities at 31 December 2005. Note$ Fixtures and fittings at carrying amount(1)10,000

Receivables(2)8,000

Cash and cash equivalents1,000

Payable(5,000) 14,000

Notes

(1) The fixtures and fittings have been held for three years and had an estimated useful life of six years. If the fixtures and fittings were to be sold on 31 December 2005 they would realise $14,000

(2) If Gene Ltd was to cease trading it is estimated that an allowance against receivables of $500 would need to be made

At what amount would the net assets be stated in the statement of financial position of Gene Ltd at 31 December 2005 under the breakup basis?

A. $17,500

B. $13,500

C. $14,000

D. $15,000

Answer: A

Question: 8

The requirements of IFRS 5 Non-current Assets Held for Sale and Discontinued Operations result in the separation of the financial position and financial performance of those activities which will continue into the future from those which will not. This provides a clearer base for projections into the future than if the position and performance of both types of activity were merely amalgamated. Which of the following qualitative characteristics has been reflected in the formulation of IFRS 5 Non-current Assets Held for Sale and Discontinued Operations?

A. Understandability

B. Relevance

C. Reliability

D. Comparability

Answer: B

Question: 9

Taylor buys a machine on three months credit from France for 50,000 on 15 December 2012. The machine has not been paid for by Taylors year end of 31 December 2012. The exchange rates are as follows:

DateRate

15 December 2012$1: 1.25

31 December 2012$1: 1.30

What is the journal to initially recognise the transaction?

A. DrNon-current assets$40,000 CrPayables$40,000

B. DrPayables$40,000 CrNon-current assets$40,000

C. DrNon-current assets$38,462 CrPayables$38,462

D. DrPayables$38,462 CrNon-current assets$38,462

Answer: A

Question: 10

According to IAS 1 Presentation of Financial Statements, which of the following statements is / are correct?

(i)The accounting policies adopted by a company must be disclosed in the notes to the financial statements

(ii)Inappropriate accounting policies can be rectified by disclosure of the policies used or by the inclusion of explanatory material

(iii) Companies may choose to prepare their financial statements (except for the statement of cash flows) on either the accrual basis or the cash basis

A. (i), (ii) and (iii)

B. (i) and (ii) only

C. (ii) and (iii) only

D. (i) only

Answer: D

About the Author: Test Information:Total Questions 140Test Number FRVendor Name: CPACert Name: Certified Public AccountantTest Name: Financial ReportingOfficial Site: https://www.

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}

Fingerprint Gun Safes Understanding Biometric Technology

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Submitted by: E. Stephens

A gun is an important tool that can be used for self defense, whether someone is breaking into your home or trying to rob you. However, guns can also be used for sports. Just like every tool, a gun can be used to intentionally harm others or due to ignorance, someone can be harmed accidentally. In order to prevent your gun from being stolen or from a child playing with it, it is recommended that you invest in a fingerprint gun safe. This is no ordinary gun safe as it requires your unique fingerprint to unlock it. This offers further protection from thieves and curious children. In addition to being far more secure than regular gun safes, a fingerprint gun safe is quicker to access in emergencies. You don t have to worry about fumbling around for the key or entering a code. You simply press your finger down and you have access to your gun.

How do fingerprint gun safes work?

These safes function by a technology called biometrics. Biometrics identifies a person based on his/her physical or behavioral characteristics. Hand writing, hand geometry, voice prints, iris structure, and vein structure are all examples of biometric technology. Whereas other security methods, such as passwords and keys, use something you have that can be easily stolen, misplaced, or forgotten, biometrics use who you are to identify you. Besides being very difficult to be lost or forgotten, physical characteristics are very strenuous to impersonate.

Fingerprint gun safes follow a three step process: enrollment, storage, and comparison. Enrollment is the first step you must go through in order to set up your safe. It records basic information about you, such as your name or an identification number. Then, it captures the image of your specific trait (fingerprint) and stores it in the memory. Most fingerprint gun safes give you the option to store multiple fingerprints, if you want to give other people access to the safe.

[youtube]http://www.youtube.com/watch?v=q9CRWf86X2U[/youtube]

Storage does not work by storing the complete image, contrary to popular belief. The system analyzes the characteristic and translates it into a code or graph. Some fingerprint gun safes also store this data onto a smart card that you can carry around with you. A smart card looks like a credit card, but it contains an embedded microprocessor inside. A credit card is different, because it uses a magnetic stripe technology that can be easily read, written, deleted, and changed.

The final step, comparison, is self explanatory. When you try to use the system, it compares the trait presented to the one it has stored. If it matches, you are accepted. If it doesn t match, you are rejected.

Biometric systems use a sensor, computer, and software to accomplish the enrollment, storage, and comparison. The sensor detects the characteristic. The computer reads and stores the information. And the software analyzes the characteristic, translating it into a graph or code. The software also performs the comparisons.

How was biometric technology developed?

The source of this technology doesn t have a single source. In fact, the history of biometrics dates back to a form of finger printing being used in China in the 14th century. Explorer Joao de Barros reported that Chinese merchants were stamping palm prints and foot prints on paper with ink, in order to individuate between one another.

In most parts of the world, up until the 1800s, identification relied immensely upon photographic memory. In the 1890s, Alphonse Bertillon, an anthropologist and police desk clerk in Paris, developed a technique of measuring multiple body measurements. Later this technique became known as Bertillonage. He developed this method in order to solve the problem of identifying criminals. Bertillonage was widely used by police authorities, until it was discovered that some people shared the same body measurements.

Later, Richard Edward Henry borrowed the Chinese methods to develop the method of using fingerprints for identification.

During the past three decades, biometric technology has advanced dramatically. Fingerprinting is no longer the sole method of identification. Irises, vein structures, voice, and much more can now be used for identification making the process more accurate. Biometric technology is currently used for legal areas, businesses, and even personal safes. This technology will only continue to advance in the future.

Fingerprint gun safes have adopted biometric technology for improved security and efficiency. Owning a fingerprint gun safe is highly recommended for all gun owners, because your gun can be retrieved much quicker in emergencies, and children and thieves are prevented from laying hands on your weapon.

About the Author: If you want further information in relation to biometric gun safe reviews, stop by E. Stephens’ blog this minute

fingerprintgunsafereviews.net

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Is Santa Fe Botox Right For You?

Admin

February, 2014 byadmin

Unless you were blessed with exceptional genes, chances are good you have lines and wrinkles on your face. Skin loses its elasticity as it ages, resulting in fine lines around the eyes and mouth, a wrinkled forehead and other signs of aging. If you are looking for a simple and easy way to attain smooth skin, getting Santa Fe Botox is a good option.

Botox is medication that is injected underneath the skin in the places where you want to eliminate wrinkles and lines. The medication blocks the signals that cause the muscles to move, preventing them from contracting. This, in turn, relaxes the skin and erases the signs of aging. The injections are administered to individual areas using a thin needle that minimizes pain and bruising. It can take up to seven days for the medication to take full effect. However, the results last for four to six months.

There are many options available for dealing with the signs of aging. The primary benefit to getting Santa Fe Botox is that the effect is temporary. You can discontinue the injections at any time and the Botox will simply wear off. Surgery, on the other hand, is permanent. Once you go under the knife, there’s no reversing that decision. Additionally, more surgery may be required after a period of time to maintain the effect.

Botox can also be used with other cosmetic procedures to create the look you want. For example, many women also use dermal filler to add fullness to the lips and cheeks for a more youthful appearance. Skin experts like Western Dermatology Consultants can advise you on the types of improvements you can make using temporary methods.

The cost of Botox injections vary. Some dermatologists charge by the shot and others charge by the area. The average price is between $10 and $16 per shot. If the doctor charges by the area, ask how many shots are required to achieve the outcome you want, so you know how much you’re being charged for the treatment. The last thing you want is to be surprised by the bill at the end of your session.

How Does Your Marketing Measure Up To The Top Advisor’s?

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By Michael P Kaselnak

I get the question over and over. “What is the most important thing to do to build a successful practice?” I’ve been saying the same thing over and over, great marketing. But most people go, “Oh.”

They want a more exciting answer. So I went out to the proverbial studies to see if they backed me up, and here is what I found.

Most advisors became advisors due to their love of finances, not due to their love of marketing.

Unfortunately, as in many things in life, there is a catch-22. You won’t be an advisor for long if you don’t know how to market. The road to a successful financial planning practice is littered with very bright financial planners that never figured out how to market.

What do I mean by “how to market?” There have been several studies by Financial Advisor Magazine, Tiburon of Strategic Advisors, CEG Worldwide, Moss Adams and many others in the last few years looking at successful advisor practices and what makes them successful.

[youtube]http://www.youtube.com/watch?v=U56N10J7p9Y[/youtube]

It ends up (big surprise) that marketing spending and growth of assets under management go hand in hand, regardless of the size of the practice. Small firms that spent 30% of their revenues on marketing grew their assets at a whopping 50% on average. Was there a difference for large firms managing $100 to $500 million? Nope, same thing. More marketing means more money.

It appears more and more advisors get this as a recent S&P Corp. study found that advisors spent more in 2006 than in 2005 on marketing.

OK, marketing is good we get it, right? So where is the best place to spend your marketing dollar? On branding? On radio? On seminars? Nope, it ends up all studies point at just one thing. And the good news is it’s the cheapest kind of marketing!

Contact. What? Contact! What like a phone call, email, newsletter or handwritten note?

Yep, and often! It turns out that the really successful advisors contact their clients or their prospects between 24.1 and 28 times a year (depending on which study you look at.)

They also found that while any type of contact is good, there is a type of contact that works better than all the rest. Many advisors I talk to guess it is email. When I ask why they tell me because it is fast, easy, cheap and convenient.

Hmmmm. That stuff all sounds good doesn’t it?……for the advisor. Advisors love fast, easy cheap and convenient contact because they can email their whole client and prospect data base in 1 second. That is the very reason that while email is an excellent way to communicate information to your clients, it is the weakest link in either building loyalty in your current client data base or wooing new clients.

Your clients and prospects know that it takes you very little time and effort to email them. Yes they appreciate your prompt delivery of information to them but they view your effort as minimal.

So what is the best ways to contact them? Phone call, personal meeting or handwritten note.

Hmmm. What do all of these have in common? They require time and effort. Interesting, the things that require time and effort are the very things that are linked to the most successful practices. They are willing to do the things other advisors are not willing to do.

Want to be successful in any type of business? Do the things your competitors refuse to do.

About the Author: Mike Kaselnak is considered one of the top marketing and sales experts in the financial services industry. He has personally mentored over 300 financial advisors in the past 10 years. These financial advisors saw their average production increase by 62%. Many saw increases of over 300 percent. He writes articles that have appeared in many mainstream magazines and has written the popular report 300 Financial Headlines that sell.

MikeKaselnak.com

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Spinal Bone Spur Surgery

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See More About:

By Patrick Foote

Spinal bone spur surgery is almost always recommended as a last resort treatment option. Patients suffering from neck or back pain associated with bone spurs usually can manage their symptoms using non-surgical, conservative treatments. Only if pain medication, physical therapy, hot/cold compresses, corticosteroid injections, or other conservative treatment methods fail to provide relief will surgery become an option in most cases.

Rewards and Risks

There are two main objectives for any spinal bone spur surgery:

— To alleviate pain, tingling, numbness, muscle weakness, and other symptoms caused by the nerve compression that is usually associated with the presence of excess bony matter (bone spurs, or osteophytes).

— To provide or improve spinal stability that has been reduced, either because of deteriorated anatomical components or through excision during surgery.

Those are the potential rewards. However, no one should undergo an open back or neck surgery without understanding the potential risks. The main risk is failed back surgery syndrome (FBSS), which can be caused by:

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— An error in diagnosis before the operation

— Surgery performed incorrectly, either by location or procedure

— Bone graft rejection

— Fusion hardware failure

— Secondary symptoms generated in previously healthy vertebral segments

— Nerve root impingement caused by the growth of scar tissue

— Inadequate decompression of affected nerves

Minimally Invasive Option

Many thousands of patients have opted for laser-assisted procedures to alleviate back and neck pain caused by bone spurs. This form of surgery has a much shorter recuperation period and requires no insertion of fusion hardware. In contrast, open back or neck bone spur surgery is performed under general anesthesia, requires a hospital stay, restricts movement for several weeks or months, and carries the risks inherent to any major operation, including infection.

Is Emergency Surgery Ever Necessary?

The existence of bone spurs, bulging discs, herniated discs, and other spinal abnormalities is usually not considered a serious or life-threatening condition, so it is rare for these spinal issues to require emergency surgery. However, if a spinal irregularity causes the impingement of a nerve bundle called the cauda equina, then immediate surgical treatment could be required to prevent permanent paralysis in the lower body and urinary/bowel incontinence.

The cauda equina nerve bundle extends off the lower termination of the spinal cord. Any tissue or legion that presses on the cauda equina can disable these nerves, affecting one’s ability to walk and go to the bathroom. Impingement of the cauda equina also can cause severe low back pain and numbness in the ‘saddle’ area – or the part of the body that would touch a saddle.

If the impingement of the cauda equina is allowed to continue for too long, it can cause permanent damage. That’s why anyone who experiences lower back pain coupled with groin numbness, incontinence, and difficulty walking should go to the emergency room as soon as possible. If cauda equina syndrome is diagnosed there, emergency surgery may be necessary to remove the herniated disc, bone spur, or any other tissue that’s placing pressure on the cauda equina.

About the Author: Patrick Foote is the Director of eBusiness at Laser Spine Institute, the leader in endoscopic spine surgery. Laser Spine Institute specializes in safe and effective outpatient procedures for spinal

bone spurs

and several other spinal conditions.

Source:

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