Benefits of Gaming: How "Plants vs. Zombies" Helps Improve Problem-Solving Skills

«Plants vs. Zombies» is just one of the video games that achieved phenomenal success. But apart from killing time, does it provide any practical use in life?

The zombie craze is everywhere. Writers have been inspired to revive these brain-dead creatures that have hit it really big. Sorry, Rick Grimes, but they have virtually invaded the world and there is no stopping them. They have movies, TV shows, and games!

Thus, came the PopCap Games sensational hit: Plants vs. Zombies. Initially designed for the OS X and Windows, it is now compatible with Nintendo, Xbox, Android, Blackberry, and Apple devices. Several versions have been released, including one for Facebook.

Designed to be simple enough for casual players to learn, yet challenging enough for hardcore gamers, Plants vs. Zombies has gained a following. In fact, it remains to be the fastest selling PopCap Games video game since 2009. The world is obsessed with Plants vs. Zombies-and zombies per se-that just about everyone you come across plays or knows it.

So, what’s so special about the game? Does anyone actually benefit from shelling out a couple of dollars to purchase the latest version released every year or so?

If you are skeptical about the long-term effects of gaming, you are not alone. Ever since video games came to be, a number of people-mostly adults-have condemned video games as a waste of time and money. This inspired studies to determine the impact of gaming. The results were remarkably positive, leading to the creation of digital learning tools.

In a nutshell, people learn faster when they’re having fun. Think about it. Would you rather sit through a three-hour lecture delivered by a monotonous speaker than learn Mandarin through an interactive app equipped with all sorts of fancy features?

Plants vs. Zombies won’t teach you Mandarin, but it can improve your problem-solving skills. It immerses you into a virtual environment that simulates a probable life threatening situation-although exaggerated. You know it is superficial, yet you physiologically respond to it as though it’s real.

Here are three key game features that can enhance your decision-making and other survival skills:

Weapon Selection. You start out with a basic arsenal composed of sunflowers and pea shooters. As you move to higher levels, you unlock additional artillery. Simultaneously, you will be faced with armed zombies. To spice things up, you reach the point when you can arm yourself only with a limited number of weapons. This pushes you to weigh the pro’s and con’s of your choices.

Site Challenges. Arsenal constraints. Tougher enemies. You’re just warming-up. The real challenge comes when the game introduces new environments. The absence of sunlight and a pool in the backyard increase the threats and hazards. This calls for flexibility in your part, enabling you to adopt to different conditions and adjust your weapon preferences.

Time Pressure. Frankly, the pop-up warnings kill the suspense. Nonetheless, the game manages to bring in a number of conflicts that increase stress levels, ultimately testing your mental preparedness and alertness.

These three characteristics of Plants vs. Zombies are just a few of the many ways in which games serve as mental crunches. Still not convinced that gaming has its benefits? Or are you a wee bit encouraged to gift your kids the latest Xbox or Nintendo versions? The best way to win yourself over is to take the game for a test drive and find out for yourself.

In spite of being criticized as a mere distraction from the tedium, games have proven to be effective instructional tools. Just like Plants vs. Zombies, most video games are not intended to educate, but they can enhance skills necessary in solving real life problems. Truly, there’s fun in learning.

En la tienda online de Camisetas de fútbol tenemos todas las camisetas de tus equipos y selecciones favoritas en tallas para adulto y niño. by Jonalyn Crisologo

Recreational and Sports Amenities in Leicester

Leicester has a strong tradition of being represented at national level in our three main sports. ie Football, Rugby and Cricket, with the rugby team, Leicester Tigers, being the most consistent in their achievements.

In terms of municipal sport and recreation facilities the recently opened Braunstone Leisure Center is undoubtedly the star attraction. Opened in 2004 it is the home of both the Braunstone & City of Leicester Swimming Clubs and, despite only having an eight lane swimming 25m pool in 2005 it hosted the British Synchronized Swimming Championship. The center also has a four lane community swimming pool and a sports hall capable of having six Badminton courts and an auditorium for up to 400 people. There are also leisure centers at Aylestone and Spence Street. Leicester has two municipal golf courses; Humberstone Heights (off Gypsy Lane) and The Western (off Scudamore Road).

Leicester Tigers are one of the country's leading senior Rugby Union clubs. Their Welford Road ground has been the scene of some memorable games over the years and regularly hosts matches against the 'Barbarians' – a team of ad hoc internationals. Formed in 1880, their name has two legends associated with it. One is that it arises from the striped shirts that they wear and the other that it has an association with a local regiment that had been serving in India. Whilst their most recent successes were at the turn of the 21st century, ie English and European champions in the season 2001-2002, they are always a force to be reckoned with in English and European rugby. The Tigers play in the English Guinness Premiership League and have many international players in the team. Leicester as a city also has many thriving junior Rugby Union clubs playing in local leagues. To select any best known names from a club like the Tigers is difficult, but from recent times 2003 Rugby Union World Cup winner and England captain Martin Johnson has to be mentioned. Rory and Tony Underwood as well as, more recently, Austin Healey, were also well loved players.

Leicester City Football Club is currently in the English Championship League, one step down from the top-flight Premier League, their nick-name is The Foxes. Founded in 1884 as Leicester Fosse, they moved to their original ground, Filbert Street, in 1891 – a year after joining the English Football Association. Their glory years were in the 1960s and early 1970s but since then they have at best only been able to yo-yo up and down from the top-flight of English football. Their last appearance in the Premiership League was in 2001, the same year that they moved to their new ground, The Walker Stadium. In 2003 with the club beset by financial problems, the club was bought out of administration by a consortium headed by the former player and club hero, Gary Lineker. Many famous footballers have played for Leicester City, two of whom were international goalkeepers for England, Gordon Banks and Peter Shilton. Gordon will, of course, always be remembered as one of the World Cup winning team of 1966. Gary Lineker, also an England international at Center Forward, is probably the player held highest in the affections of The Foxes' fans. Gary is now a regular presenter for BBC Sport.

Very much inside the city boundary is Leicestershire County Cricket Club, who are also known as The Foxes. They are currently in Division 2 of the 'Liverpool Victoria' County Championship. They are also in Division 2 of the 'Natwest Pro40' leagues where they play one-day limited overs matches. In the 'Twenty20' cup matches, which are played late afternoons and early evenings, the Foxes were the winners of the trophy in 2006 after a thrilling final match against Nottinghamshire. Leicester CC play at the Grace Road ground which was formerly known as the County Ground. Grace Road now has a capacity of 12,000 and is not on the English Cricket Board list of grounds that can host Test (international) cricket matches.

Leicester Riders are the senior basketball club in Leicester and play in the Premier League of the British Basketball League. They style themselves as the oldest basketball club in Britain being founded in 1967 and founder members of the National (British) Basketball League. Originating as the Loughborough All Stars, after some years of using Loughborough and Leicester as their home base they settled back into Leicester in 2004 and now play at their sponsor's venue in De Montfort University.

Leicester has several athletics clubs, most notably Leicester Corinthians. For more information please refer to the link provided here. Leicester athletics like to associate themselves with the international distance runner Paula Radcliffe, who runs for Bedford & County to the south of Leicester.

If you fancy seeing if you'd like to try climbing as a sport or hobby, Leicester has the East Midlands' largest indoor climbing centers at the Tower Climbing Center. Here there are several climbing walls with varying degrees of difficulty, the largest of which is 15m. You'll be welcome here whether you're an experienced climber wanting to 'keep your hand in' or a novice wanting to try it out.

Tu tienda especializada de Camisetas de fútbol retro y vintage. Compra Camisetas de fútbol antiguas, replicas auténticas. Moda clásica. by Susan Ashby

Brett Favre’s Backups – Through The Years

Often times when a great player plays quarterback for one franchise for a very long time it is interesting to look at who played backup for him. Who developed into a starting quarterback of their own? Who had started at other places but was winding their career down here? Here we look at Green Bay Packers quarterback Brett Favre’s backups through the years.

1992: Brett Comes To The Green Bay Packers

Backup: Don Majkowski (University of Virginia)

Majkowski had started for the Packers earlier in his career and later on would start games for the Indianapolis Colts, he would also appear in a few games for the Detroit Lions.

1993: Brett’s 2nd Year

Backup: Ty Detmer (Brigham Young University)

Detmer won the Heisman Trophy playing QB for the BYU Cougars and after backing up in Green Bay in 1993 and 1995 he would go on to start games for the Philadelphia Eagles in 1996 and 1997. He would also see playing time with San Francisco, Cleveland, and Detroit.

1994: Brett’s 3rd Year

Backup: Mark Brunell (University of Washington)

Probably the quarterback that played behind Favre and went on to the most success (so far), Mark Brunell would later start games for the Jacksonville Jaguars and Washington Redskins. Brunell made numerous Pro Bowl appearances, and in 1996 he led the league in total passing yards. Brunell also currently ranks in the all-time top 25 in the following categories: Passing attempts, passing completions, and passing yards.

1995: Brett’s 4th Year

Backup: Ty Detmer – See Above

Backup: Jim McMahon (Brigham Young University)

McMahon had already been a starting quarterback for most of his career and had won a Super Bowl with the 1985 Chicago Bears. He would also be a sometime starter with San Diego, Philadelphia, and Minnesota. He also spent time with the Arizona Cardinals briefly before spending his last two years in the league backing up in Green Bay.

Backup: T.J. Rubley (University of Tulsa)

Rubley had starting experience with the Los Angeles Rams in 1993 but his time with the 1995 Packers would be his last in the NFL.

1996: Brett and the Packers win the Super Bowl

Backup: Jim McMahon – See Above

Backup: Doug Pederson (NE Louisiana)

Pederson would go on to see time as the starting quarterback with Philadelphia and Cleveland in 1999 and 2000 respectively before returning to be the backup in Green Bay again for the 2001 through 2004 seasons.

1997: A Super Bowl Loss

Backup: Doug Pederson – See Above

Backup: Steve Bono (UCLA)

Bono had prior starting quarterback experience for both San Francisco and Kansas City. Earlier in his career he had backup experience with both Minnesota and Pittsburgh, and after this one season in Green Bay he would spend two more years in the league (backing up for the Rams and the Carolina Panthers) before retiring.

1998: Brett’s 7th Year and Mike Holmgren’s last year as the Packers head coach.

Backup: Doug Pederson – See Above

1999: Brett’s 8th Year and the one and only season Ray Rhodes was the head coach.

Backup: Matt Hasselbeck (Boston College)

Hasselbeck would go on to play for Holmgren in Seattle and lead the Seahawks to the Super Bowl, only to lose to the Pittsburgh Steelers.

2000: Brett’s 9th Year and Mike Sherman’s first year as head coach.

Backup: Matt Hasselbeck – See Above

2001: Brett’s 10th Year

Backup: Doug Pederson – See Above

2002: Brett’s 11th Year

Backup: Doug Pederson – See Above

2003: Brett’s 12th Year

Backup: Doug Pederson – See Above

2004: Brett’s 13th Year

Backup: Doug Pederson – See Above

Backup: Craig Nall (Northwestern State)

Nall would throw for four touchdowns in his only action in the NFL during this season. He would go on to backup Favre in 2005 before spending one final year as a backup in Buffalo.

Backup: J.T. O’Sullivan (University of California-Davis)

O’Sullivan saw no action for Green Bay other than two late game kneel downs, he didn’t see any playing action at all in 2005 or 2006, but has gotten on the field for the Detroit Lions during the 2007 season.

2005: Brett’s 14th Year

Backup: Craig Nall – See Above

Backup: Aaron Rodgers (University of California)

Rodgers is the current backup for Brett Favre and has been labeled the heir-apparent to take over after he retires ever since the Packers drafted him.

2006: Brett’s 15th Year and Mike McCarthy’s first season as head coach of the Packers.

Backup: Aaron Rodgers – See Above

Backup: Ingle Martin

Martin made it into the game for the final game of the year and handed the ball off one time and took two kneel downs.

2007: Brett’s 16th Year

Backup: Aaron Rodgers – See Above

There you have it, Brett Favre’s backups through the years. This is by no means definitive and focuses primarily on the quarterbacks who not only were on the roster but made it into the game at some point during the season.

A few observations:

Twice Favre had backups from small colleges in Louisiana (Favre’s home state), with Doug Pederson being from Northeast Louisiana and Craig Nall being from Northwestern State.

The Packers have had two different ex-BYU quarterbacks backup Brett (Jim McMahon and Ty Detmer). The quarterback who spent the most years as Brett Favre’s backup was Doug Pederson and he did it in two separate stints with the team (1996-1998 and 2001-2004).

Brett Favre himself was drafted by the Falcons, only to play sparingly and then be traded to the Packers in 1992. In 1993 the Packers drafted Mark Brunell who played sparingly for them and was then traded to the Jacksonville Jaguars where he went on to star for many years. He is one of the most durable quarterbacks the league will ever see, and these were the guys who backed him up.

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Ahmedabad – The Manchester of India

Does Ahmedabad require the nickname ‘The Manchester of India’ any longer? Because apart from this rightful claim, it’s also a city that has the potential to grow further and further and become a mega-city because it’s already a metro and after Delhi, Calcutta, Bombay, Madras and Bangalore comes Ahmedabad in size, population, impact, location, among others.

India’s best MBA institute is in Ahmedabad which conducts one of the toughest entrance exams in the academic world of not just India but across the globe.

Mudra has its advertising institute. Vikram Sarabhai Space centre is here. The city is throbbing with life, exuberance, vivacity and brio.

The Telegraph of Calcutta called it ‘India’s culinary city’ in its food survey of 2002. It’s indeed a city of foodies. If you’re a vegetarian, you’ve a wide spread of vegetarian delights to choose from. Rajasthani, Gujarati, Marwari, Punjabi and other states’ signal dishes as well as typical ones can be easily available.

Non-vegetarians also have a mind-blowing array of cuisine to choose from. The climate is wonderful. City has tradition and trendiness juxtaposed beautifully.

Gujarati people love cricket. Ahmedabad’s Sardar Patel Cricket stadium has the capacity to accommodate over 50 thousand spectators. Sabarmati river runs through the city.

Ahmedabad (official capital: Gandhinagar) has a famous university known as Gujarat Vidyapeeth.

Being very close to Bombay, the significance of Ahmedabad assumes greater proportions. One British traveller who visited the city in 2002 wrote in The Spectator (London) that Ahmedabad was far greater than Manchester in terms of fabrics, fashion, fun and freedom.

In short, Ahmedabad has emerged as an important economic and industrial hub in India. It’s the second largest producer of cotton in the country.

The ‘first-look richness’ of the city decides the wealthy status of Gujarat state. City is dotted with cloth mills. Arvind Mills is one such significant name on the canvas of city’s fabric scenario.

Morarji Desai once said, the very mention of the Pin Code 380007 brings the image of Ahmedabad before our eyes. Yes, its Pin Code is its identity and vice versa.

Despite a few riots taking place in Ahmedabad, it’s still a city where people love to live in a peaceful co-existence. And this is the mark of a city and its liveliness. A visit to western India is incomplete without seeing Ahmedabad. Though Bombay still has an unbeatable charm, Ahmedabad doesn’t lag behind in any sense.

To sum it up, ‘Ahmedabad is the undisputed cotton king/ It’s also a city, suitable to a commoner and king’ (read in an Indian Airlines’ flight magazine in 2006). So very true…

Lastly, India’s billiard and snooker legend Geet Sethi lives in Ahmedabad.

Compra online la Camisetas de fútbol! En JD encontrarás las del FC Barcelona, Real Madrid, la selección de España y equipos internacionales. by Juhi Mateen

Prep Volleyball Ranks Stanford Cardinals Volleyball Women Number Three in Top 30 Recruiting Class

The Stanford Cardinal women’s volleyball team has five incoming freshmen in 2010, three outside hitters, one defensive specialist and one middle blocker making up a young group of players with plenty of playing experience. Prep Volleyball.com named the Stanford volleyball team third in the country in their annual Top 30 recruiting class ranking.

Outside hitter and 2009 California Gatorade Player of the Year Rachel Williams will bring an impressive list of accomplishments with her when she steps on the USC campus next year. Rachel is a 2008 and 2009 California Interscholastic Federation State champion who was named as a member of the AVCA High School All-American first team. Both Volleyball Magazine and Max Preps named her their National High School Player of the Year.

Another Cardinal outside hitter Lydia Bai is the daughter of 1984 Chinese Olympic gold medalist as a player and 2008 American Olympic silver medalist as a coach, Jenny Lang Ping. With that impressive pedigree, Lydia is expected to be one of the more versatile players to wear a Cardinal jersey next year. She attended Arnold Beckman High School for four years where she was her team’s captain, she was named to the All-Pacific League First Team as a freshman and was the Pacific League Most Valuable Player in 2009.

Lydia’s international experience includes being a member of the United States Youth National Team.

Carly Wopat is a 6’2″ middle blocker who will attend Stanford with her 6’1″ twin sister, outside hitter Sam Wopat. The sisters are 2009 CIF Southern Section Champions who helped lead their Dos Pueblos High School team to two Channel League titles. Carly’ accomplishments include:

-being named the Channel League Most Valuable Player

-a finalist for the California Gatorade Player of the Year award

-was a 2009 PrepVolleyball All-American

-in 2009 a Volleyball Magazine All-American

-#4 on the PrepVolleyball Senior Aces list

Sam Wopat’s accomplishment’s are similar to those of her sister’s. The four-year varsity volleyball team player was twice picked to the All-Channel League first team as well as a CIF Southern Section First Team member. Volleyball Magazine picked her to be on their All-American Second team and she too was named as a PrepVolleyball High School All-American.

Considered a top high school defensive specialist Mary Luck is a district champion and regional finalist who attended Stratford High School in Houston, Texas.

The Texas All-Star garnered All-State honors last year and was named the District 18-5A Most Valuable Player. Mary’s club team is the Texas Elite Volleyball club where she competed for three years.

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14 Weird Pregnancy Facts

So let’s start off with the fact that pregnancy in general is a weird and exciting experience to go through. Isn’t it crazy to think that you’re growing another human being inside you? Mind blowing right? There’s this living creature inside of you moving around which is another crazy experience. I’ve heard people explaining what it supposedly feels like to have a baby move inside you when you really won’t understand until it’s actually happening to you. There are many more things you could possibly experience while being pregnant however, I only touched on a few.

1) When you get to be at about four months pregnant your little, innocent, baby begins urinating inside you! On average, your baby urinates at about a liter a day. Weird right? Oh it gets better! Your little one actually drinks the urine they are excreting!

2) At the end of your pregnancy, your placenta will produce the same amount of estrogen that a non-pregnant woman produces in three years’ time!

3) The longest pregnancy that resulted in a live birth belongs to Beulah Hunter which was 375 days. Nine months is long enough, can you imagine over a year of having that big belly and heartburn?

4) Your heart actually get’s bigger during pregnancy! According to Live Strong, the size of your heart and its position changes during pregnancy. Your uterus expands thus pushing the diaphragm upwards which then pushes the heart farther into the chest cavity. It will increase by about a total of 12% during pregnancy.

5) One in every 2000 babies is born with teeth. These teeth are called Natal teeth and are extremely rare, as you can see by the numbers. Most of the time these Natal teeth have just come earlier in life when their usual schedule doesn’t make an appearance until later on when they receive their baby teeth. So far, there is no known cause for this condition but studies show that there are hereditary links. If a baby is born with teeth and they are not loose in any way then there is no need to remove them because it is not considered a choking hazard unless another reason to remove them becomes evident. Another reason that these teeth might be pulled would be if they are very sharp because they would cause a lot of discomfort to the nursing mother. How scary would it be trying to breast feed a baby with teeth? Ouch!

6) Having a lot of heartburn during your pregnancy? Well it looks like your baby will be born with a full head of hair. Yes ladies, this is TRUE. According to CBS News, a study was done at Johns Hopkins which was published in the journal Birth stating that there is some type of correlation between heartburn and a child being born with hair.

7) Ever heard of having «pregnancy brain»? Well apparently it’s due to the fact that women have less oxygen in their blood which causes this phenomenon. «There is 15 to 40 times more progesterone and estrogen marinating the brain during pregnancy,» says Louann Brizendine, MD. Another factor that supposedly causes «pregnancy brain» is a lack of sleep. No one thinks clearly or functions normally when their going through some sort of sleep deprivation. Bad news is ladies that this fogginess could last up to a year after giving birth! No one can blame you for forgetting things now, it’s a pregnancy thing!

8) If you’re having a little baby girl she develops all of her reproductive eggs that she will ever use in utero whereas little boys don’t develop sperm until they reach puberty years later.

9) Did you know you can actually share your pregnancy symptoms with your spouse or significant other? It’s a term that’s called Couvade Syndrome which is also known as sympathetic pregnancy. This is actually a type of condition where the father-to-be will have similar experiences to you in the sense of some aches and pains along with those crazy dreams that come along with pregnancy. Is your spouse gaining some weight right along with you and having those never ending back pains? Then most likely they are suffering from this condition.

10) Babies can actually cry while their in the womb. This can start as early as the 28th week of gestation. They don’t make any kind of crying noises just yet but they silently cry which makes us want to cry right along with them! There was a study done that recorded ultrasounds of fetuses during the third trimester in which they startled the baby with a low decibel noise against the mother’s stomach which caused the baby to display traditional crying behavior. Such behavior consisted of opening their mouths and gasping irregularly. Makes sense that this can happen though right? I mean, it is rather dark and scary in there.

11) Nipple stimulation is the only scientifically proven method of legitimately bringing on labor. So eating pineapple and spicy food is really unnecessary because that’s not going to cause you to go into labor. Nipple stimulation actually releases oxytocin which is a hormone that causes contractions to start. This hormone also helps your labor to progress. Now don’t think that by doing this that it’s a sure fire way to kick start those contractions into gear, this can only work if your body is primed and ready for labor to actually start.

12) More twins are born in Central Africa then anywhere else in the world. According to Livescience, the central African country of Benin, has the highest average of twin birth rates with 27.9 twins per 1,000 births.

13) A woman’s uterus expands to more than 500 times its normal size over her entire pregnancy! During the third trimester, a woman’s uterus gets to be the size of a watermelon! The human body is truly an amazing thing.

14) Your little fetus can actually get erections in the womb. As parents, thinking about your young child getting aroused isn’t the kind of thoughts we want to have however, these little babies have been caught being aroused during ultrasounds.

As I said previously, there are so many other symptoms that can happen during pregnancy and these are just a few of the weirdest that I found interesting. None of these symptoms put your baby at risk for anything or endangers him or her in any way. These are just some interesting facts that occur thanks to good ol’ Mother Nature. Pregnancy is a mysterious and magical experience that makes you come to appreciate all that the human body is capable of doing to keep your little fetus safe, secure, and growing strong.

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5 Benefits of a Multi-Generational Advisory Firm and What It Means For You

Many clients of financial advisors share a common concern and fear. Because the process of finding an individual to trust with their money is not something to be taken lightly, this concern can be magnified. Clients wonder what happens to them if their financial advisor retires or unexpectedly dies. This is a legitimate concern. What would happen if your advisor decided to retire to warmer weather and sunnier places? Isn’t that something most people work hard for? Or a worse case scenario, what if your advisor was involved in an accident. As a result they have been deemed physically or mentally incapable of handling your finances. Now what… ?

Is your financial advisory firm prepared to deal with these what if scenarios?

This commonly voiced concern is why advisory firms and the financial industry have begun focusing more on succession planning and multi-generational advisory teams.

If multi-generational has you thinking «Big Deal» or «Who Cares?»… here are 6 benefits of a multi-generational advisory team and what it means for you.

Built In Transition Planning

Life is unpredictable and we cannot predict the future. What we do know is that change and growing older are inevitable. Just as you are working hard to save enough to retire, your financial advisor is doing the same.

Multi-generational advisory firms have a built-in transition plan. These firms are acclimating their newer and younger associates with current clients. They are leveraging the experience and wisdom that the senior advisors have gained to help train and guide newer associates. Newer advisors will gain experience, knowledge and expertise in the field while working with senior partners. This built in transition plan ensures continuity and no disruption of service to the client.

While this won’t happen over night and will require a lot of work, this type of planning is in the client’s best interest. Feeling confident that your advisors have a plan for you and your future should be encouraging and expected. Multi-generational family practices offer an additional dynamic where family life, familiarity and genetics can also contribute to the trust factor.

Experience And Wisdom Meet New Technology And Expanded Communications

As an advisor enters into the industry, there is one valuable thing that all of the studying, textbooks, and exams cannot provide… experience. Experience is undeniably an important attribute when looking at an advisor. This can only be obtained with time and is something every new associate has to go through «on the job». Multi-generational advisory firms are more prepared to alleviate this concern. While they cannot completely eliminate this, aging advisors are able to pass down their experience and wisdom to the next generation of advisors through training and mentorship. This is extremely valuable asset for any new advisor in the field and can play a huge role in their development and client successes.

The veteran advisor also stands to benefit from this relationship. After doing things the same way for a number of years, a fresh new outlook and access to new communication tools will be of tremendous help to the senior advisor and their clients.

Financial planning 30 years ago is not the same as it is today. With technology evolving by the day, the younger advisor can help bridge the gap towards better client service that has continued to evolve over the last 30 years.

Technology. It allows for information to be distributed quickly and efficiently. Next gen advisors are more apt to develop an effective contact management strategy that utilizes modern technology. They are more comfortable with technology which helps implement better client communications.

Couple this with the experience of a veteran advisor and your financial team is better equipped to help you and your family at any stage in life.

Longevity and Continuity

Life expectancies are increasing past age 80. Younger generations are expected to live longer than their predecessors. Because individuals are living longer, they need to build this into their retirement expectations. Americans aren’t saving enough as it is. It is more important than ever to plan accordingly.

With clients of all ages having advisors of different ages becomes even more important. Today many advisors are in their 40’s and 50’s. Let’s say you start to work with an advisor in their 50’s. What will you do if in 10-15 years your advisor decides to retire and you, as most people, need guidance well into your 80’s or 90’s? During those years change is inevitable. From a financial standpoint, change requires the adjusting and readjusting of your financial plan to reflect those changes.

With multi-generational support as you progress through life and all of its challenges, you’ll have someone there throughout to help guide you and should not have the need to search for a new advisor..

Fiduciary Responsibility

All investment advisors have a fiduciary responsibility to act in your best interest.

Having a succession plan in place is part of this responsibility. There should be a plan for how clients will be handled if an advisor retires, dies or is incapable of acting as your financial advisor due to an accident. Some owners plan to sell their business 100% to the highest bidder. Others decide to have a succession plan where a familiar face of the advisory firm steps in to take ownership.

Having an existing and familiar advisor be appointed as an owner prior to being needed is another benefit of a multi-generational advisory firm. Knowing that your advisor has helped trained and trusts the next generation advisor enough to personally recommend them can make the decision to continue the advisory relationship much easier.

As an advisor, I would prefer to train and work hand-in-hand with the advisors that will ultimately become my successor. This way I can screen them in advance to make sure they are familiar with the expectations of my clients and the relationships we have formed. I believe this enhances my clients best interest and multi-generational firms make this possible.

Working With Your Multi-Generational Needs

If you’re currently working with a financial advisor, you understand and see the benefits of financial planning. Most parents who have a financial advisor want their children to do the same. Knowing what they know now, many clients want their children to start sooner than they did. Multi-generational firms’ continuity helps you and your children.

Next gen advisors may be able to relate better with next-gen clients because they are from the same generation. They grew up with the same technology and may even be facing some of the same financial concerns. The advisory relationship may begin with the veteran advisor and evolve naturally to the younger advisors over the years.

In Conclusion:

Whether its you or your children you’re concerned about, figuring out the answer to these «what if» questions is important. There is nothing more stressful than being content and comfortable with your financial advisor and then being forced to find a new one.

Ask your financial advisor these questions and see what his or her response is. If you’re unhappy with the response start doing your research at other advisory teams. Look for an advisory team that has that built in transition plan like multi-generational firms. These firms have planned for your advisory needs now and in the future. They are trying to make sure you are comfortable with the relationships for a long time to come. But remember, the decision is always yours.

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While Pizza Deliveries Increase, How Are the Other Restaurants Coping in This Time of Recession?

With the Pizza chain’s claiming record takings last year it seems that when the British public get stressed about the financial situation of the country they turn to food. The large chain that is making these claims also predicts that its profits will continue to increase over the coming year. It seems that the downturn in the market has made people think about how they are spending their money and many are choosing to stay home and have their food delivered at home rather than going out and enjoying the quality of a restaurant.

Many restaurants across the country have experienced a reduction in their profits and while some have chosen to get their heads down and weather the storm many enterprising restaurants have decided that in hardship comes opportunity and have decided to increase the marketing of their business. Coming from the Manchester/Liverpool area the businesses are using the internet to make theirs businesses more accesible to the public allowing them to rate their restaurants as they visit them and leave helpful comments about each restaurant.

Restaurants that offer a takeaway service or takeaway meal are seeing an upturn in their enquiries with the British Public whipped into their homes like naughty curs by the poor choices of an impotent government, and only venturing to their phones and computers to get in their normal supply from the Indian restaurant, Chinese restaurant, Italian restaurant and any other restaurant you can think to shake an empty carton at. Good restaurants are seeing that you sometimes have to speculate to accumulate, and the only way many are going to survive is to invest in decent websites and good online marketing, which includes decent search engine optimisation and choice referral websites.

The Manchester and Liverpool restaurants that I have spoken to, see this form of marketing as the way to go with more and more of society heading online. A quick ring round of Staffordshire restaurants, Lancashire restaurants, Derbyshire restaurants and North Wales restaurants has left me with the distinct feeling that the internet will be playing a larger part in everybodies lives in the future.

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Manchester – Gay Capital of The UK

Manchester's Gay Village, which is centered around Canal Street, close to the Chinese center, has just about recovered from being featured in the popular BBC series 'Queer as Folk' when it became the destination of hen and stag nights, giving it almost a zoo like status. The reason it was chosen as the location, is that it has been around for quite a while and is a the gay party capital of the UK. There are so many clubs and pubs that there is very little room for anything else. If the canal were to freeze over, they would build at least 3 clubs on the ice.

Canal Street was a once prosperous site, situated alongside the Rochdale Canal, but when rail and then road took over as the preferred method of transport, it became a dark and run down area. Given that homosexuality was illegal until the late 60's and then only legal in private if you were over 21 years old, it became a surreptitious area for cruising. Some say that it was first a big lesbian area. The Ogden Arms, then just a pub, was a prime meeting place. Now it is The Rembrandt, has a hotel, and is the favorite haunt of the leather and tattoo guys.

If you want to pay homage to its roots you should visit The Rembrandt, formerly the Ogden Arms, along with Napoleons, New York New York, Cruz 101 and The New Union as they were the beginning of the gay scene, when homophobic police raids were quite common.

Now the police have a more tolerant attitude and Canal Street is booming with pubs, clubs and restaurants, putting it on a par with London and Brighton. In fact some might say when it comes to clubbing, Manchester is the number 1 place to party. Some other bars of note are the Tribecca Bar and Bed, where the downstairs restaurant has full size beds, Cyotes and Vanilla cater to the lesbian crowd, though not exclusively, Spirit, Queer and Taurus are all worthy of a visit.

Manchester's gay credentials are further enhanced by its annual Pride celebration, which is one of the best in Europe and that a survey by Diva magazine found the Manchester Metropolitan University is the most gay friendly university in the UK.

There are numerous gay friendly hotels in the Canal Street district, along with the new apartment hotels, which means that it is easy to visit from out of town, not that you will be doing much sleeping in this vibrant city, but it makes a good site for a holiday.

Manchester has so much to offer with its rich cultural heritage, particularly in music. Despite the Liverpool sound of the Beatles, Manchester had The Hollies, Herman's Hermits and Freddy and the Dreamers who were big on both sides of the Atlantic. In fact the list of bands or musicians who have emanated from Manchester is long and illustrious such as The Smiths, Oasis, Elbow, Stone Roses, Joy Division / New Order, The Verve, Badly Drawn Boy etc., etc ..

There is also an annual jazz festival plus the Hallé Orchestra and a thriving Opera scene.

Amongst the many art galleries is The Lowry, an amazing steel and glass building, rising over the old docks area, which displays the work of local hero LS Lowery along with other ventures catering for the visual and performing arts.

The theater is thriving too, with many theaters showing a wide range of plays from the classics to the avant garde.

Manchester has its own International airport and good road and rail links, so it makes a good base if you want to visit Liverpool, the Lake District or Blackpool, which along with also having some great gay clubs, has a huge beach, the Blackpool Tower and some awesome roller coaster rides.

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Manchester New Hampshire Information and Details About The City

Manchester is the major urban centre inside the state of New Hampshire and north of Boston in a region containing the states of Maine, New Hampshire, and Vermont. Having a population of over 109,000 people The city of Manchester ranked thirteenth within a report on the one hundred best cities to live in CNN.MONEY.com, not to mention has been voted the second most tax friendly metropolis in the states by Kiplinger’s. Manchester features one of the fastest expanding economies in New England.

Manchester features a four-season climate together with wintry winters as well as warm summers, springtime and fall are generally crisp and brief transitions.

Manchester presents several ethnic activities at the historic Palace Theatre, the Currier Museum of Art and the New Hampshire Institute of Art. The Verizon Wireless Arena is a civic center which serves a range of events, from sporting events to concerts with major recording artists, comedians, theatrical productions as well as family focused programs and fairs.

Manchester school system has four public high schools, four public middle schools and fourteen public elementary schools. In addition there are lots of private and faith based schools. You can find 7 post secondary university in the Manchester area.

The city is served by 4 newspaper publishers, a New Hampshire public tv station and one commercial television station, WMUR-TV Channel 9, an ABC affiliate, as well as varied AM and FM radio stations.

Manchester hosts Manchester Fischer Cats, a minor baseball team, and the Manchester Monarchs, AHL professional ice hockey.

For transportation Manchester has the Manchester-Boston Regional Airport, which is serviced by almost all major airlines, with the largest share used by Southwest Airlines. The airport features international service via Air Canada to Ontario and Toronto. Public transportation is supplied by Manchester Transit Authority that runs buses through the city. Concord Trailways and Boston Express run commuter services to Boston along with other regions of the state.

Key highways include Interstates 93 and 293, and the Everett Turnpike which are multi-lane highways and connect the metropolitan area to Concord and the White Mountains to the north, and Nashua and Boston to the south. NH 101 is a 4 lane highway eastbound from Manchester to Hampton and beaches on the seacoast as well as Maine and Interstate 95 to the north shore of Massachusetts. Westbound NH 101 is a two lane highway serving as the main artery to Keene, the Monadnock region and points west.

Manchester features 2 significant retail spots: downtown Manchester and South Willow Street. The Mall of New Hampshire is found on South Willow Street, exceeding 125 stores.

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