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admin 13.10.2014

This year’s South by Southwest festival promised bigger crowds, bigger performances, huge headlining speakers - like First Lady Michelle Obama and lastly, an introduction to the next wave of dazzling technology.
As droves of people descended upon the 29th annual SXSW Interactive Festival in Austin, they were expecting to see the next big thing in cinema, music and technology.
At this year’s SXSW, Not Impossible Labs introduced a digital solution designed to assist those unable to speak. Architected by Eberling and computer software designer Javed Gangjee, they were able to design a technology that can take a person completely unfamiliar with computer technology and transform them into to a person capable of typing two-and-a-half words per minute or more. As in years past, this year’s SXSW did not go without its dissenters and naysayers that shouted about technology becoming too overwhelming and too large. What’s great about this type of technology is that as it emerges and companies like McDonalds, Gatorade or Gillette convert them into incredible interactive marketing, it also allows for the technology to become mainstream, making it easier to get access to. And I’d be remise not to mention that this type of technology is already being used for good. In 1842, a young woman by the name of Ada Lovelace, a British mathematician and daughter of Lord Byron, wrote what is considered to be the first computer program. In simplest terms, it was the birth of the stepwise sequence of operations for solving certain mathematical problems and in conjunction with Charles Babbage, a path was written for the first executable computer program algorithm.
On Monday, we posted Fast Five Facts about Public, Private, Hybrid cloud platforms that list the benefits of each. The customer approached VAZATA with clear motivation to use hybrid cloud services and a need to divide the two applications between a private cloud services for the Accounting piece and a public cloud SaaS environment for the email -  by diversifying, it resulted in significant cost savings for the customer.
This same scenario is happening more and more frequently as hybrid cloud becomes a more popular option and it’s pretty safe to say that the operations team here at VAZATA would agree.
If anything, you should revaluate whether you can diversify your service providers like this company.
To avoid confusion we provided some differentiators between public, private and hybrid cloud services. All this talk about the Cloud probably has your head spinning because of how different it is from one minute to the next. When you’ve ensured that you have quick backup after those chaotic 30 days, your disaster recovery kicks in and you, as a medical institution, financial bank or the lady on the corner selling yarn for a living, fire it back up to get back to business.
95% of businesses experienced outages for reasons unrelated to natural disasters (ZOMBIES!) DRaaS provides protection that matches that of a large corporation. Studies show that at least 82% of enterprises had a hybrid cloud strategy, up from 74% recorded in 2014 and the numbers that are trickling in for 2015 are pretty phenomenal too. Back in 2010, the Whitehouse stepped in and introduced a new policy around IT reform, putting parameters around emerging CSPs, specifically the ones that wanted to do business with a Federal Agency or the Federal Government. VAZATA recently had the distinction of receiving Federal Risk Authorization Management Program (FedRAMP?) authorization for Managed Cloud Services after committing to a process that took a little over five years to complete; with that VAZATA was named the 21st company to reach that achievement. Government agency or not, you can take advantage of where you store your mission critical data. We’ve recently made an announcement about the milestone to shed light around our Virtual Federal Image (VFI) platform and its benefits, including the common tools, processes, and ease of provisioning, all while affording agencies a level of security that is not normally available in existing public cloud environments.
VAZATA is a managed hosting, Infrastructure-as-a-Service (IaaS) and cloud managed service provider serving Global 1000 businesses, U.S. Back in 2010, the Whitehouse stepped in and introduced a new policy around IT reform putting parameters around emerging CSPs, specifically the ones that wanted to do business with a Federal Agency or the Federal Government. FedRAMP is the result of close collaboration with cybersecurity and cloud experts from the General Services Administration (GSA), National Institute of Standards and Technology (NIST), Department of Homeland Security (DHS), Department of Defense (DOD), National Security Agency (NSA), Office of Management and Budget (OMB), the Federal Chief Information Officer (CIO) Council and its working groups, as well as private industry. The Internet of Everything (IoE) or Internet of Things (IoT)  is the network of physical objects, devices, vehicles, buildings and other items with sensors and network connectivity that exchange data. Internet of Things (IoT) or Internet of Everything (IoE) is the quiet communication that is happening all the time. What I found to be the most intriguing was that some of the technology showcased was eerily familiar. At $4,000, this thing better spin records and do my taxes at the same time but to some, $4K for a turntable is an absolute prize.
All in all, this camera is cool, I’d consider buying it at its $400 - $700 price point. Imagine this, you’re introduced to someone and you have a reaction that spikes your adrenaline.
The dress is comprised of dozens of Curie computing modules that tell the dress when to expand. Advisory firms often focus on training their sales reps and ensuring that advertising and web campaigns target appropriate customers.
Changes to forms 1099-R and 5498 that require IRA custodians to disclose hard-to-value assets in IRAs could lead to the Internal Revenue Service increasing its enforcement of required minimum distributions. Present bias, or spending money now rather than saving, and failing to appreciate the power of compounded earnings has cost retirement savers $1.7 trillion. A lawsuit alleging that Edison International improperly favored high-fee funds for its 401(k) plan has been rejected by 9th U.S.
The Security and Exchange Commission’s Investor Advisory Committee wants the regulator to mandate that standard fees be disclosed--in actual dollar amounts--on customer account statements. Morgan Stanley is building a help desk with more than 10 staffers who will answers questions from financial advisors about complying with the new retirement fiduciary rule. Even though markets have been calm recently, the large equity selloff in the second half of 2015 and in the early portion of 2016 illustrates how quickly investor sentiment can sour. Robo-advisor Betterment has raised another $100 million in venture capital and plans to use the funding to build out additional advice products. The registered investment advisor community is quickly growing as clients increasingly prefer working with advisors who comply with the fiduciary standard, says Bill Van Law, president of Raymond James’s Investment Advisors Division. Advisors with the Certified Financial Planner distinction tend to have higher levels of trust among clients and earn, on average, 20% more than other advisors, according to a study funded by the CFP Board of Standards and conducted by the Aite Group.
The Securities and Exchange Commission has created the office of Risk and Strategy to focus on examining investment advisors and mutual funds. Many Americans nearing retirement age are pursuing careers with a charitable or civic service nature, which is creating opportunities for financial planners.
The Securities and Exchange Commission’s decision to shift resources from broker exams to advisor exams has been driven by necessity, says Marc Wyatt, director of the examinations office. Among black working-age households, 62% have no savings in retirement accounts, while only 37% of working-age white households lack such savings, according to a National Institute on Retirement study.
Individuals who are old enough to sneak past the recent termination deadline for using the file and suspend strategy that helps boost Social Security benefits are reportedly being told they are not allowed to use the strategy. A study of retirement assets during the 2000s has concluded that retirees in the top quintile of wealth have been spending substantially less than their savings allows for.


Funding for the Securities and Exchange Commission and the Futures Trading Commission would be doubled by 2021 under the budget recently proposed by President Obama. President Obama’s proposed budget includes provisions that would increase the number of Americans covered by employer-sponsored retirement plans by expanding the use of multiple employer plans. Bill McNabb, who is the chief of ETF giant The Vanguard Group is warning the industry that the large number of ETFs being launched could create problems for investors. The Department of Labor’s proposed fiduciary standard could create a big increase in orphan accounts, which are accounts that end up being managed by home offices rather than by broker-dealers registered reps, says Paul Sankovich, chief compliance officer at Wells Fargo Advisors Financial Network. The Financial Industry Regulatory Authority (FINRA) is investigating how robo advisors manage risk, says Dawn Calonge, surveillance director at the organization. Deena Friedman, who skippered the Fidelity Select Retail Fund to an 18.59% return in 2015, has been selected by Bloomberg as the stock picker of the year.
Only one out of every five advisor recruits stays in the industry, but firms can take various steps to improve retention.
The Securities and Exchange Commission has fined Everhart Financial Group nearly $240,000 and ordered the advisory firm to appoint a chief compliance officer after the regulator determined that the company was inappropriately recommending funds with 12b-1 fees for retirement plans. With weakening economic growth in China and other concerns driving market volatility, billionaire investor George Soros says capital markets currently remind him of conditions that existed during the economic crisis of 2008. For financial advisory firms, implementing customer relationship management technology can be a high stakes and dicey undertaking.
Galen Marsh, who as a Morgan Stanley advisor downloaded client data to his home computer without permission, has been sentenced to three years of probation and ordered to pay $600,000 in restitution.
Retirement plan fees are falling as 401(k) participants increasingly embrace low-cost products. The proposed Department of Labor fiduciary standard could cost the financial industry in excessive of $2.4 billion in lost transaction revenues, which is more than double most estimates, says Morningstar Analyst Stephen Ellis.
A small number of stocks including Amazon, General Electric, Alphabet, Microsoft, and Facebook drove market gains in 2015.
Having $30,000 in student debt can cut as much as $325,000 from 401(k) balances by the time an individual reaches retirement. Only 64% of advisors responding to a recent Russell Investments Financial Professionals Outlook survey have a positive outlook for capital markets over the next three years. Online market gurus have been forecasting rapid growth of web surfers connecting to cyberspace with smartphones and tablets and a decrease in the use of desktops and laptops. Smart Beta exchange traded funds captured $3 billion in assets in October and $53.7 billion during the first ten months of this year, according to London-based research firm ETFGI. Despite occasional articles about advisors stealing from clients, only 2% of individual advisors have reported criminal charges such as felony convictions or investment related misdemeanors, according to an analysis of industry data by Big Crunch. Morgan Stanley advisors who land clients that need cash management services next year can receive bonuses up to $50,000. Susan Elizabeth Walker, 51, of Plymouth, Minnesota, has been sentenced to more than seven years in the slammer after being found guilty of stealing $1.1 million from at least 24 clients. The Securities and Exchange Commission has issued a warning regarding outsourced compliance programs based on deficiencies that it has uncovered during examinations. Providing low-cost tax return preparation to generate financial planning prospects is just one of a variety of successful strategies.
During the past year, daily equity market declines and gains exceeding 1% have been common, with investor sentiment quickly changing based on the prevailing outlook for the Federal Reserve’s monetary policy.
File and suspend, which allows one member of a couple to receive a spousal benefit from Social Security while both spouses’ benefits continue to accrue, would be terminated under the budget bill that was recently passed by the House of Representatives. Mounting levels of student debt and declining home ownership among younger people means that many recent college grads will have to work to age 75 before retiring.
The Certified Financial Planner Board of Standards should be raising the requirements to become a certified financial planning. Periodically adjusting asset allocations based on expected returns of different asset classes can generate better returns than traditional target date funds, according to back testing completed by Grantham, May, van Otterloo. Boston-based startup firm Gradifi has launched the Student Loan Paydown Plan, which allows business to make payments toward their employees’ student debt. Impact investors, or those investors seeking to invest in a socially responsible manner, don’t have to sacrifice returns to stay true to their calling, according to a new Wharton School study. In the next five years, private wealth is estimated to grow from approximately $14 trillion to $22 trillion. Traditional advisors can compete with robo-advisors by being prepared to answer tough questions about fees, understanding what services clients value, expanding their referral networks, and clearly articulating the range of services they provide. Advisors should ensure that female clients can find financial planning documents, such as life insurance policies in the event that they outlive their husbands. Advisors need to address frequently overlooked aspects of their digital branding to ensure that their reputation and marketing are assets rather than liabilities. The Department of Labor is moving forward with a rule change intended to help states start retirement plans without running afoul of regulations included in the Employee Retirement Income and Security Act. Financial services firms are awaiting a list of products that the Department of Labor may restrict from being used in IRAs as part of its fiduciary standard rule. Investors younger than 40 ramped up stock purchases on August 24 when the market tanked 1,000 points at the open, according to Robinhood, which is a stock trading app that is frequently used by Millennials. The Social Security Administration says it will provide retroactive spousal benefits to same-sex couples that were married in states that previously didn’t recognize such matrimonial unions, according to attorneys for plaintiffs. Many advisors may cringe when conversations suffer from akward silence, but such moments can lead to more productive conversations. Labor Secretary Thomas Perez says he will continue to push for a fiduciary standard for retirement plan advisors even though Republicans and moderate Democrats are concerned that the rule could harm low-income individuals.
Advisors need to understand the complex emotions that can accompany sudden wealth in order to best serve their clients.
While blissful couples pledge to stay married until death, the reality is that approximately 50% of marriages inthe U.S. Collecting Social Security early can help retirees assess how much they can spend because the payments are consistent.
The annual household savings rate climbed to 5.5% last year, up nearly a full percentage point from 2013.
Advisors can engage their clients and strengthen relationships by using appropriate teaching styles for each investor’s preferred method of learning. May and June have been tough months for Bill Gross and his Janus Global Unconstrained Bond Fund with investors withdrawing $50 million from the portfolio during the period, according to Morningstar. The Securities and Exchange Commission recently awarded a whistleblower $3 million for information that helped the regulator crack a complex case of fraud. Advocates of the fiduciary requirement for retirement investment advisors have delivered a petition with 230,000 signatures to the Department of Labor to urge the regulator to support the proposed standard.


Industry trade groups are proposing legislation that would require retirement planning advisors to serve in the best interest of clients rather than comply with the Department of Labor’s proposed fiduciary standard, says Steve Saxon, chairman of Groom Law Group. With the recent Supreme Court ruling shooting down state bans on same sex couples, financial planners should be ready to take a variety of estate planning actions with gay clients. In a lawsuit, San Antonio player Tim Duncan is alleging that his former financial advisors, Charles Banks, failed to disclose his own interest in investments that eventually lost $20 million for the superstar.
The program gave Don Moir his voice back and even more remarkable, he gained independence back as well. A children’s hospital in Atlanta is looking at VR as a means to immerse their patients into a completely different environment while undergoing chemotherapy treatments. They had assets that required certain levels of compliance, while pieces of their environment that did not.
Knowing which one is best for your company can be a challenge so here’s some fast facts about each. In the movie World War Z starring Brad Pitt, they still had power, running water and some sense of order, so I’m going to start there.
I get that DRaaS might seem a little extreme if you feel like you may not want to replicate your data in case zombies come crashing into your office. To prepare for a zombie attack (or maybe an earthquake, whichever comes first), we know we have to have a continual plan to replicate your physical or virtual servers through a third-party as a fail-safe way to protect yourself from a man-made or natural catastrophe.
If you’re an SMB, DRaaS is not something strictly related to businesses with large volumes of data.
With such a high level of utilization, the landscape can get crowded and regulation for public and private sectors can shift and change rapidly, making it feel like the Wild West. Our FedRAMP security authorization is the highest level of security attainable and with an intense audit performed every 30-days so you know your data is fully protected. It’s estimated that this last year, a total spend of $235 billion was supported by IoT. In fact, I wonder what some of this stuff is even doing there since some were introduced back in the 1930’s. The electronic motor has been replaced with a wireless one to eliminate vibrations and deliver clearer audio. Let me begin with, the first Super 8 camera was introduced in 1965; 51 years later, here it is again. But throw in physical Super 8 film cartridges, and you might find me wondering why I didn’t leave it to the experts. The workloads vary, the sensitivity varies, and the need for public and private cloud vary.
Those include services on its 401(k) platform and additional features for use by financial advisors. Now, recent data suggests the use of such portable devices has exploded, which underscores the need for advisors to ensure that their websites are well equipped to handle smartphone and tablet traffic. Instead, it is making it easier to obtain the credentials, writes Rick Kahler, who is president of financial planning firm Kahler Financial Group. During that period, furthermore, women are expected to control two-thirds of private wealth.
La Placa and a handful of other team members that collectively manage $3 billion in assets have left the San Francisco office of Deutsche Bank to start their own firm.
The news is being celebrated by PC users who are hoping that the operating system will eradicate many of the frustrating issues with Windows 8 that have led to sharp criticism of Microsoft. You could decorate the place with colorful balloons, paint brushes and whatever doodle you thought would be cool and then walk away with a printed copy of your masterpiece!
But remember, you want to pick up where life left off before you ran away from your sleepwalking neighbor. From the security assessment, authorization and continuous monitoring, it’s an intense audit all around. The company provides highly secure, stable, and scalable technology solutions that meet the challenges of its global customers using a proprietary cloud architecture called vStructure™. Another one was Google Glass - people have actually coined the term Glasshole because of them, yikes! Physically, there’s a 10-mm thick aluminum top panel and an aluminum tonearm, making the turntable look sturdier, sleeker and more contemporary.
The device offers a digital LCD flip-out panel as a viewfinder, integrated microphone and the capability of shooting at 9, 12, 18, 24 and 25 frames per second.
In its most refined definition, hybrid cloud is a cloud computing environment which uses a mix of on premise and third-party, public cloud services with communication between the two platforms.
If you throw into the mix the occasional premature death of a spouse, then it becomes clear that a substantial portion of advisors’ married clients are likely to become single.
Because sedatives aren’t as necessary for the patient, the physiology and psychology associated with it has been measured with overwhelming positivity. It wasn’t until I sat to rewatch all of the Star Wars movies before going to see Force Awakens that I saw it.
The Internet of Things (IoT) is ushering in a new world that will change the way we live, work, buy, travel, communicate and so much more and without cloud-based applications none of it would be possible. The camera will come built with a specific lens, but because it has a C-mount available, it will thus be compatible with ridiculous range of other lenses. Doctors are hopeful they can incorporate this technology in other aspects of medicine like surgery. It was in Star Wars, Episode IV (Remastered) that I almost came out of my seat, I couldn’t believe it - Jabba the Hutt looked like a CGI nightmare! Plain and simple, if your device can communicate in any way to the Internet, the Internet will talk back. That’s what the cloud is offering - the ability to maintain business development awareness, customer engagement and real time market analytics. In the next few years, we’ll see an abundance of cloud based applications that will take data and make it transformative, funneling it into your sales engines, models and forecasts to feed the funnel.
Your next steps should be an evaluation of whether your business can leverage the Internet of Things, how to ensure your infrastructure is ready for a cloud led industry and finally how make sure it’s safe, reliable and disaster proof. The new world of technology is coming your way and will shape many cloud-based applications, be selective of how you decide to leverage customer data and shape the way you do business to be smarter, more instinctual and agile.



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