Verger Jahangir

1. Know your worth.
2. Do it in person (or via video call)
3. Pre-warn your manager.
4. Timing is everything.
5. Don't wait too long.
6. Be strategic with your asks.
7. Think about your boss' schedule.
8. Write a script.

Shortly after that, both of them fell ill, and on August 7, 1957, Oliver died of a major stroke This left Stan devastated and he was at the

1. Calculate an adjusted score if needed Remember to check for unanswered items
2. Understand the difference between competence and problem behavior items
3. Add an additional 5 points for items marked as a concern

1. Turn it into a website. While this is the most resource-intensive route, it is by far the best.
2. Publish it as a downloadable PDF.
3. Embed it using SlideShare.
4. Use a third-party magazine hosting app.
5. Conclusion.

The Crimean War was a military conflict fought from October 1853 to February 1856 in which Russia lost to an alliance of France, the Ottoman Empire,

Repair Tape

A more elegant fix than duct tape is to use a specialist weatherproof repair tape. Good examples are Gorilla Clear Repair Tape, Stormsure Tuff Tape or McNett Gear Aid Tenacious Tape. All are relatively inexpensive and widely available. Repair tape comes in clear PVC as well as black or coloured nylon and ripstop nylon variants. This makes it easier to match to different fabrics.

Take a pair of scissors and cut a strip of tape to size, leaving a margin of about 6mm/¼ inch around the tear. Don’t forget to round off the corners of the tape. This will ensure a strong hold and prevent it from lifting.

Next, poke any stray down back into your jacket. Smooth out the jacket around the damaged area, ensuring the face fabric is clean and dry. Apply the tape over the rip or tear and press down firmly. Smooth the tape from inside to outside edges.

Adhesive Patches

A third option is to purchase a pack of nylon repair patches. These are made by a number of companies including McNett Gear Aid, Kleiber, Down Jacket Repair, Prym and Dritz. They are available in a variety of colours. Most are self-adhesive, eliminating the need to glue or heat-seal the patch.

The same approach to using repair tape applies – poke any loose down back in (use the end of a teaspoon if necessary). Then select the most appropriate sized patch for your repair job and peel off the backing. Spread the torn area flat, place the patch over the tear and press down firmly.

If you’ve had a go and are unhappy with the results, or if you think the damage to your jacket is just too severe to fix yourself, then never fear – there are still a couple of other options.

Contact The Manufacturer

Your first option is to contact the jacket manufacturer to check whether they offer a repair service. Many will be able to help – for example, UK companies Rab and Montane both offer a range of specialist repair services. Their in-house experts can deal with everything from patching holes to replacing and re-stitching entire fabric panels or baffles. Other brands that offer similar services include Bergans of Norway, Patagonia (through their Worn Wear initiative) and Alpkit. In fact, Alpkit’s helpful staff in their Hathersage, Ambleside and Keswick stores can even repair your kit regardless of whether it’s one of their own products.

Though using an official repair service is sometimes costly, brands are usually able to match fabric colours and types. This means repairs are unlikely to be very noticeable or result in a loss of garment performance.

Try A Specialist Repair Service

An alternative option is to contact a specialist independent company. Scottish Mountain Gear, Lancashire Sports Repairs or Mountaineering Designs are good examples. These three companies have a wealth of experience in repairing down products to an extremely high standard. As well as fixing holes, rips and tears, they can even replace or top up lost down. This will ensure your jacket continues to keep you as warm as it should.

Answer: The students are required to score a minimum of 40 % marks in both question papers of the scholarship exam. For the SC / ST category candidates, the minimum required percentage is 32 % marks in each paper of the NMMS exam.

Speed-lovers, be prepared for the newest attraction taking over the Birmingham, Alabama area: European style indoor go-karting! Our 53,000 square feet state-of-

You can find more information there. Email customerservices@gll.org and ask them to cancel your account. Whether you're looking for information on how to delete your Better Gym account, unsubscribe or cancel a free trial, Emma can help. Check out the instructions above to cancel your Better Gym membership.

The following information is intended to be a brief overview concerning the investment adviser industry. Topics include definitions, characteristics of an investment adviser, regulators, application process, licensing periods, record keeping requirements, custody of client funds or securities, disclosure requirements, conflicts of interest, and regulator audits. This discussion does not purport to cover all aspects of the industry or all regulator requirements. You are urged to obtain and review the federal or state laws and rules that may apply to your activities.

Investment Adviser and Investment Adviser Representative RegistrationInvestment advisers (“IA”) and investment adviser representatives (“IAR”) are persons who provide advice to others about investments for a fee and are required by most states to register or become licensed. Some states use the term “register” and others use the term “license.” For purposes of this Guide, the two have the same meaning.

Three essential elements that characterize an investment adviser are:

Advisers must register or become licensed with either state or federal securities regulators, based on the following:

State-registered Investment Advisers:

Federally covered advisers:

FilingsAn investment adviser and an investment adviser representative have a great deal of influence over the financial affairs of others – the clients. For that reason, state securities offices take an interest in how the investment adviser does its job. Every state, the District of Columbia and Puerto Rico has a registration or licensing requirement for investment advisers. State securities regulators may require:

Application for registration/licensing is made by:

A notice filing for a federal covered adviser is usually made by:

The SEC requires electronic filing via the Investment Adviser Registration Depository (IARD).

Licensing PeriodInvestment advisers and investment adviser representatives must renew their registration/license annually. In many states, the term is from January 1 to December 31 of a given year. However, some states have different renewal dates. Check with the state securities office in each state where you intend to do business. If an adviser becomes registered/licensed in the middle of a year, the fee is usually not prorated.

States send out a notice to renew a registration or license some time in advance of the end of the year. Check with each state for specific details. The renewal process for investment advisers will be handled via IARD.

RecordkeepingAn adviser is required generally to maintain and keep current the records listed below. Additional recordkeeping requirements may also be set by the home state of the adviser. It will be necessary to check with the home state regulator.

Records generally required of all state-registered investment advisers pursuant to individual state securities statutes and regulations:

Records required of advisers who have custody of client assets:

Records required of advisers that manage client assets:(These records generally are required to be maintained in an easily accessible place for a period of five years from the end of the fiscal year during which the last entry was made and, for the first two years, the records must be maintained in the adviser’s principal office.)

CustodyIf an adviser has direct or indirect access to client funds or securities, it is considered to have custody of client funds and is subject to additional scrutiny. State-registered investment advisers and applicants for state investment adviser registration should become familiar with the custody requirements in the state(s) in which they are registered or seeking registration.  States have either adopted the NASAA model custody rule or language similar to either the NASAA model custody rule or the SEC custody rule.  In September 2011, NASAA approved amendments to its custody model rule, aligning it closely to the SEC custody rule.  It is important to note that while there are two NASAA custody model rules (Model Rule 102(e)(1)-1 under the 1956 Uniform Securities Act and Model Rule USA 2002 411(f)-(1) under the 2002 Uniform Securities Act) the rules are identical: 1956 model custody rule, as amended  and 2002 model custody rule and known as the “NASAA model custody rule.”

As part of registration and audit/examination review, state securities regulators will require advisers to show how clients assets are handled by asking the following questions:

DisclosureThe most important duty of an investment adviser is the disclosure of all information relating to the relationship between an adviser and a client. Advisers have great leeway in tailoring their client services as long as clients know up-front about such things as:

The key document in making these disclosures is Part 2A of Form ADV, often referred to as the adviser’s brochure (note that FORM ADV Part 2A replaced FORM ADV Part II in 2011). This document should clearly spell out the details of the advisory relationship and other business interests of the adviser. This is the reference tool with which the client or potential client can compare advisory firms for cost of services and for compatibility with their needs. That is why investment advisory regulations require that Part 2A of Form ADV or the brochure be given to customers in advance or no later than the time of entering into a contract if rescission is permitted within a specifically allotted time. State securities regulators also require FORM ADV Part 2B filings (“the brochure supplement”) from individuals providing advice to customers.

Examiners will look for disclosure-related items not only in the disclosure document but in any material describing any facet of the adviser’s business that a client or potential client might see. This can include:

Fiduciary DutyThe anti-fraud provisions of the Investment Advisers Act of 1940, the NASAA Model Rule on Unethical Business Practices of Investment Advisers, Investment Adviser Representatives, and Federally Covered Advisers (NASAA Model Rule 102(a)(4)-1), and most state laws impose a duty on investment advisers to act as fiduciaries in dealings with their clients. Many states impose these requirements as part of their unethical business practices rules, or through other rules or case law. Fiduciary duty requires the adviser to hold the client’s interest above its own in all matters. Conflicts of interest should be avoided at all costs. However, there are some conflicts that will inevitably occur, such as a person being licensed as a securities agent of a broker-dealer as well as an adviser. In these instances, the adviser must take great pains to clearly and accurately describe those conflicts and how the adviser will maintain impartiality in its recommendations to clients. The SEC has said that an adviser has a duty to:

When examiners review advisory books and records, they will be on the lookout for undisclosed or misrepresented conflicts of interest and prohibited practices. Some are obvious and some not so obvious. Some examples of practices that advisers should avoid are: