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Peterson, one of the two founders and that added to our confidence. Its a name that everybody has heard and you'll hardly find anyone who doesn't respect this firm.

It is for this accomplishment, amongst other criteria that we named Blackstone our winner for this year. Schwarzman and Peter G.

Peterson, today Blackstone has over 1, employees in 24 offices worldwide and is one of the world's largest private equity investment firms.

Its diverse range of funds makes private equity, real estate, credit and hedge fund investments all over the world. Everyone firm has excelled in their very own way and we are pleased to present those great firm.

So besides Blackstone and without any further ado, here are our additional award winners:. Experience, success and talent.

They are doing the deals that you read about in the paper and they are generating great returns for investors.

We commend the intellect and strategy not only on the management level but the whole of what seems to be well-oiled machines of the private equity industry.

Specializing in private equity, venture capital, credit and public market investments, Bain invests across a broad range of industr y sectors and geographic regions.

Established more than 40 years ago, today Warburg Pi n c u s i s a g l o b a l l y integrated partnership led by co-presidents Charles R.

Kaye and Joseph P. In this edition of The Elevator we have profiled Mr Schewarzman in great depth. Visit the profiles section of this issue to learn more.

The idea of the hedge fund was born in the s, then resurfaced at the end of the s and celebrated its real breakthrough in the s.

That means that it took the market almost 70 years to mature the idea of making profits on rising and falling markets. For 20 years the hedge fund managers were the pop stars of the finance industry and investors flocked to this type of financial instrument but then came the fall from grace, leaving only the best funds and their managers in business or almost.

This sector is also not being spared by heightened regulations and therefore doesn't have the "carte blanche" to do as they please.

The times of playing cowboys may be over but this sector still has a bright future ahead. There's still a very large number of hedge funds out there and it was challenging to pick the winners for our awards but we think we've made a good and fair cut through the masses and found some stars among the dogs.

It seems logical to be able to generate profits from both falling and rising markets. Pine River pursues several strategies including global convertible bond arbitrage and equity driven event investing.

Clever ideas and double-digit returns have propelled these firms to the top of our list and we're confident that we've picked the right ones to highlight this year.

As always, if you can share your thoughts and comments with us via Twitter Elevatormag. Set up by former Lehman Brothers trader Deepak Narula in , Metacapital Management has become the world's most successful hedge fund.

His mortgage-backed arbitrage fund Metacapital Mortgage Opportunities, which invests primarily in residential and commercial mortgages, ended Narula and others correctly bet that agencybacked mortgages owned by the much maligned Fannie Mae and Freddie Mac - were primed for a rebound.

Leading London investment firm Odey Asset Management was launched in to focus on active fund management at a time when the industry was obsessed by investment indices.

Oxford graduate Crispin Odey was determined that original research and rigorous analysis should drive the investment process and was determined to keep research and judgment at the heart of the investment process.

This year saw his move to the firm's Geneva office. The list is long but the following companies simply stand out. The term has been diluted and become somewhat of a fashion word in the financial industry.

We've taken to the subject also with a wider perspective because its not much use to evaluate family offices who manage only one estate, because logically they wouldn't accept new clients.

In that spirit we've looked at asset management firms, financial advisors and multi-family office companies to pick the best ones we could find.

Its no great surprise that the winners are all in Switzerland, the place where managing money is a natural part of life. The firms we've picked have a responsive team of outstanding professionals who have excelled in terms of client services and performance in and we're confident that they will continue to do so.

There are a lot of firms that proclaim to be a family office because it sounds good but most of them don't even know what it means to really be at your client's service.

In , it was ranked 29th among the leading independent providers of multi-family office services worldwide by Bloomberg. Notwithstanding the various crises beginning in , Finance has been able to move ahead on the strength of its innovative business model.

Today, with sizable assets under management and 25 members of staff, it rates as a mainstay in the Geneva banking industry. On the contrary, its often the small and nimble firms that will strive more to deliver that little extra bit of service that you need.

Experience is the single most important thing when it comes to finance, simply because its important to know every trick in the book when it comes to managing money.

There are a lot of situations where the unexperienced will react too soon or too late. Only the well-seasoned manager will pull the trigger at the right time.

In addition to financial services, it aims to provide clients with access to a wide range of supplementary services - including art collection management, VIP-service, property management, tax and business consultancy, as well as legal advice.

As an independent Swiss financial service provider the company is independent from the banks, ensuring that its investments are completely customer-led with no conflicts of interest.

Owner-managed financial services provider Helvetic Trust specialises in the fields of wealth management, family office services, real estate and precious metals.

It was founded in by Kaspar Grob and is currently wholly-owned by its 16 partners. In addition to the head office in Zurich, the company also has branches in Berne and Lausanne as well as an office in London.

A Swiss company, small enough to be manageable but active on an international scale, the share capital of 1 million Swiss francs CHF 1 million is entirely in the hands of the active partners.

The closer you get to the road, the better you can see its beauty. Fuel consumption under standard conditions: CO2 average value for all vehicle models sold in Switzerland: We think the most important are two factors: We've picked some institutions where the client is still king.

Some have failed miserably and others have excelled in these trying times. When politicians try to dictate what banks can and cannot do its probably not very good for business.

When every banker has to spend much of his time reporting to his legal department and compliance slows down the flow of business beyond reason, private banks are facing tough times.

When banks simply can't open bank accounts for certain citizens like Germans, British or American clients - just to name a few, that's bad for business!

It seems like its tough across the board and only the strongest will survive. In that spirit, we've picked a few financial institutions that have stood out with their innovation, their level of service and their motivation to take on the adversity of the current times whilst maintaining a healthy proximity with their clients and striving to continuously provide a certain level of service.

One thing is for sure, when it comes to banking, bigger is not always better and there are many banks that will not serve you as well as you deserve.

The ones we decided to award are certainly the best in their class. The breed of private banks was created for a specific type of client.

The wealthy, demanding individual who needs a more tailored service than a retail bank will provide. I think we've made a good pick of the best banks for the job.

With affiliates, branches and representative offices spread across nearly 20 countries, the diversity means not only are they present in major financial centres but also that you can find a top-quality account manager who knows and understands your language and culture.

Not saying that they are the only ones out there but they have simply been found to be the best at what they do. These institutions work very hard to earn their spot at the top and the competition is hard.

Especially in current times, many banks have to re-invent themselves in order to stay in business as old business models get swept away by new regulations.

A leading Swiss private banking group, Julius Baer focuses exclusively on the demands of sophisticated private clients, family offices and external asset managers from around the world.

It has the largest international presence of all Swiss private banks with over 40 locations in more than 20 countries, including a comprehensive pan-Swiss network.

The Group is present in 80 countries, and employs close to , people, half of which are based in its four domestic markets: Belgium, France, Italy and Luxembourg.

With more than 5 million retail customers and a significant share of the corporate and institutional markets, the group focuses on retail banking by offering a wide range of financial services including insurance, mortgage finance, asset management, brokerage, real estate and leasing services.

Under his guidance the bank continues to grow its wealth management business, with particular emphasis on asset management and expanding its global presence.

In a marketplace that is becoming ever more investment-led and performance-driven, Capricorn Strategies was established to provide unique investment advisory services.

Supervised by the Danish financial authorities, Capricorn has assembled a team of investment professionals with a deep understanding of investing in the G currency universe.

The FX G10 fund seeks risk-adjusted returns, that are uncorrelated to other investment strategies by trading the most liquid assets available to investors, the currency majors.

Its strategy is long term, fundamental seeking alpha opportunities in most market conditions by benefiting from currency arbitrage and exchange rate differentials.

Risk is tightly controlled via a dynamic hedging strategy aimed at reducing the exchange rate risk. Founded in , FX Concepts is a global leader in technical analysis and quantitative research for Foreign Exchange and Interest rate markets.

FX Concepts supplies traders world wide with precise commentary and trading strategies, using methodology that incorporates 3 core analytical techniques: Cycles analysis, Gann inspired technical analysis and quantitative trading models - three tools that enable FX Concepts to identify the appropriate time, the appropriate level and the appropriate trading strategy.

Axel Merk founded Merk Investments in Switzerland in by pooling the investments he had been managing for his friends since college. He relocated the business to California in , and Merk Investments became an SEC-registered investment advisory firm.

The Merk Currency Enhanced U. Equity Fund combines U. The Fund actively manages U. The combination of U. Jasso has worked hand in hand with its clients, taking the idea of independent advisory to a new level.

We have enhanced our asset management activity with the conception and recommendation of tailor-made products. Today Jasso acts as a unique point of reference for the implementation of complete asset management solutions.

Box CH Lucerne 4 Tel. When church bells are stolen for scrap metal, you know commodities are still in demand. But what's going to further your cause and what will stall your portfolio in ?

Jakobsen has often made some extreme predictions most of which have fortunately missed the mark but regardless I do think he talks sense and we all need extremes to give us a balanced view.

The point to take from this is that there may well be a fall in crude oil but few agree that we will see anything so significant.

I have huge expectations. If it gets above , I think the momentum will come and people will be buying as the market moves.

The wild card for commodities trading could well come in the shape of coffee beans. Prices appear to be on a downward trend but looking to bottom out as the bigger money is building a long position and larger farmers hold stock pending price rises.

Palm oil is poised to rise in value as stocks are depleted and demand increases. Therefore movement of Venus helps us to know the advance movement of base metal and bullion.

It is important to note that Venus is known for highest volatility. Combination of Venus with Saturn is positive while combination Venus with Mars is dangerous for commodity market.

Our advance predictions for positive movement for. While majority of commodity experts were expecting downward movement in copper and crude oil I had predicted well in advance for positive for copper and crude oil.

Sage advice but I may stick to more conventional methods myself. The overall consensus from the banking analysts seems to be consistent this year with grains trading flat, metals likely to underperform on the whole and the big movers likely to be coffee, palm oil and cotton barring any middle eastern oil crises.

Which horse does the smart money back in ? There are interesting plays ahead as the global economy continues to slowly recover. Two years of trade deficit and a continued strong performance from the yen no longer stacks up.

The Bank of Japan has been busy printing money and a current account surplus is turning into a deficit. The Wall Street Journal recently reported that the seasonally adjusted current account was in deficit in September for the first time in more than thirty years.

The market will catch on quickly and jump on a sure thing making the Yen look like the best table in the casino. The Swedish krona has. Norway has a stronger fiscal position and is favored for the medium term and the NOK has been seen as something of a port in a storm with many traders.

In Denmark the DKK is likely to stay on the right side of parity as a healthy current account surplus, steady interest rates and the government continuing to make Danish bonds attractive all combine to create a steady ship for DKK.

The Euro is still facing a challenging time and political uncertainties in Europe and a period of necessary stabilization could well result in further ECB rate cuts.

With general elections in Germany and Italy during this year there is some skepticism as to whether the IMF prediction of a EU current account surplus of 1.

Across the Atlantic the USD is expected to pick up following the expected fiscal cliff agreements between the President and Congress.

With the economy walking a fine line between stability and recession it seems highly unlikely that the two sides will not cooperate fully as the consequences are inconceivable.

Many feel that the weak outlook in the Euro-zone will help support the USD but anticipate a continued low scoring against other currencies.

Asia is generally favored for those looking towards a long position, particularly with MYR and CNY that are set for slow appreciation offset with a hedged short KWR position.

A continuation of term would allow Najib to plough on with his liberalization reforms in the equity markets.

Korea is the wild card here and is seen as an under-valued currency and has been less volatile than other Asian currencies. Michael Greenberg of Forex Magnates recently shared some useful overview predictions, two of which were certainly worth further consideration: The larger FX brokers will continue to grow in the US whilst we see a reduction in numbers of smaller brokers and the reverse is likely to be the case in Europe.

Buying art purely from the perspective of making a good return is a speculative and subjective business and takes steady nerves. The opposing view that artworks should be seen as an asset may be a more stable approach and buying art that can be enjoyed firstly is the safest bet for those with the liquid cash to play as well as appreciate in both senses of the word , but bear in mind ownership also comes with associated costs and responsibilities.

The big name pop artists appear to be losing value recently. From a pure investment perspective there are many art funds ready to cater for your appetite should you prefer not to own, store and insure valuable pieces.

There are plenty of art funds to choose from in alternative asset management and this sector has been fine tuned considerably since the collapse of several funds in Those more interested in the fun of finding the next Tracy Emin or Chris Ofili will find no short cuts or trade secrets.

Prior to many of these funds were operated by art experts, as opposed to fund managers, and. The landscape is different now with specialist funds emerging from within this specialist area to cater for Russian, Brazilian and Chinese artwork in particular, all of which remain hot areas for potential earnings.

Beware fee structures for specialist art funds, as these often need to incorporate high security, specialist storage and costly insurance policies.

Those more interested in the fun of finding the next Tracey Emin or Chris Ofili will find no short cuts or trade secrets.

Following the major collectors and galleries is unlikely to find you a hidden gem and you may have more success hunting through the graduate shows and honing your sharp eye.

Be prepared to put in the hours and the searching could well pay off, but this is a hit and miss game. The present day established names have not been performing well, in particular those contemporary darlings Hirst and Banksy with both names seeing a dive in value over the last 3 years.

The days of packed auction houses waiting to compete for a piece of Damien Hirst are over and the bubble has well and truly burst.

Supply is understandably limited, giving a feeling of security to those with more frayed nerves, and this is the least volatile of sectors.

You can easily find a Paolozzi or Hamilton print in great condition for hundreds of dollars without any risk of huge depreciation of damage insurance.

Freshly minted Russian and Chinese billionaires have been searching the globe for their own old masters in order to buy them up and take them back to their rightful place.

What's in store for ? The EU bailout of Spanish banks in the summer instilled investor confidence in Europe as the EU clearly signaled that it would take whatever steps necessary to protect the union.

The general consensus falls into two distinct camps; those who believe the year will be flat and those who are predicting increases similar to those seen in A recent survey by Populus in the UK showed high levels of confidence in the wealthier demographic offset by a more gloomy outlook from the less affluent.

Overall confidence in the major. We are likely to see a similar pattern emerging this year and Africa is being widely tipped as a potential performer, in particular Kenya and Nigeria.

BAC showing an increase of Penney JCP falling The underperformer was utilities, ending the year down The overall view is that we are likely to see a slow and steady growth period and John Carey, Executive VP at Pioneer Investments is cautiously optimistic.

That would tend to point to another year of moderate growth and a fairly good environment for stocks. In this was the worst performing sector and in they were the best performers.

Seeing this sector perk up suggests that the future is brighter for the US economy. Although past results and historical data is by no means an accurate indicator of what will happen next we can expect these consistent cycles to have some impact on performance.

A recent report from John Hancock Mutual Funds confirms that the stock market shows small gains in the first two years of a presidential term whilst showing more substantial gains during the second half of the term.

This suggests that a buy and hold strategy during could pay off for those with the means and liquidity. Another useful indicator of what to expect is the Santa Claus rally, which is often an accurate predictor of the forthcoming year.

He found that the this seven day Santa Claus rally period has averaged a 1. Happy hunting with whatever path you choose this year.

Although not unexpected the far-reaching consequences have left many hedge funds, in particular, pondering their need to operate from the Swiss safe-haven.

The changes already put in place during are only the beginning and the next 2 years will bring a continued overhaul.

Add to this increasing pressure from the US to prosecute banks helping Americans evade taxes and the growing discontentment from the Swiss people and change is inevitable.

We have an interconnected banking center and it is quite obvious that these developments have an influence on Switzerland.

This round of amendments includes the distribution, custody and management of funds, more specifically affecting local and foreign collective investment schemes based in the country.

This overhaul is only. The resident finance operations may be feeling under pressure and questioning whether operating here is still viable, but by the same token pressure on the government from citizens and from the US and European neighbors has put an uncomfortable spotlight on the Swiss government and inaction on their part was implausible.

Regulations should not only be enforced, but also endorsed. Surely finding a middle ground is vital and without the participation of the central banks it seems implausible and without a counter discussion or debate it seems unlikely that the conclusion will be satisfactory for anyone in the longer term.

The key influence factor facing the Swiss government is pressure from its European neighbors and the US. The collapse of Lehman Brothers and the ensuing squeeze on liquidity placed an uncomfortable spotlight on Switzerland as economists and regulators around the world.

The Federal Council is stepping up its efforts to combat abuses in the area of money laundering and taxation.

The Swiss Federal Department of Finance FDF recently issued statements of its intentions including further measures to boost the competitiveness of the financial center and combat abuses in a more targeted manner.

By swiftly implementing the revised Recommendations of the Financial Action Task Force FATF , Switzerland is emphasizing that it attaches high priority to the obligations it assumes through its international commitments.

Serious tax offences will now be punishable also under the heading of money laundering. In the event that they suspect serious tax offences, financial intermediaries must report these cases to the.

Money Laundering Reporting Office Switzerland. The impact on the wider Swiss economy is a real concern and politicians and regulators appear to be in a tight spot with no easy escape.

The advent of tightening regulations could well bring with it criminal prosecutions for individuals deemed to be protecting their clients activities and this will doubtless be a very real concern for many who could potential face not only fines but custodial sentencing for previous malpractice.

Whether the steamroller of regulation continues unabated or whether the Swiss Bankers Association and others can convince regulators that cooperation and compromise will find the best solution remains to be seen.

But just what can our mechanical friends get up to these days? We have a look at the current crop of popular robots. Chris Anderson, for one, will be at the forefront of the revolution, and is keeping a keen eye on proceedings.

In his new book, Makers: The New Industrial Revolution, Anderson discusses the rise of 3D printers and industrial outsourcing. He believes the global supply chain is about to be rebalanced - and that the Web Revolution, distributed sharing, and cheaper manufacturing technologies will open up new growth in the somewhat-dormant manufacturing sector.

Eventually, he believes, rather than a handful of individuals, it will be a community of makers who will be driving the course for innovation.

In his 3DR weblog, Anderson writes: And of course a wave of exciting new products, focused on making drones and other aerial robotics technology easier, more powerful and cheaper than ever before.

By , the firm had achieved Makerbot produces desktop 3D printers that have the power to transform digital designs into actual, physical objects — toys, keyrings, machine parts - democratizing the tools of production and enabling everyone to become a producer.

Astoundingly, more than 28, projects, models, and objects are available that can be downloaded and printed at the touch of a button - and the potential is vast.

Actual build volume started small but is expanding; the latest printer has a volume of cubic inches With digital manufacturing technology reviving the Maker movement in America, today there are far more accessible and cheaper options through which we can control the interface between digits and atoms.

ASIMO What stands 4 foot 3 3 inches tall, weighs lbs, walks red carpets at film premieres and makes guest appearances at the leading science museums and academic institutions all over the world?

With 34 different degrees of freedom throughout. It hasn't all been a walk in the park for our diminutive hero, however.

Indeed, it has been a memorable few years for the humanoid, who has rung the bell to open the New York Stock Exchange, conducted the Detroit Symphony Orchestra, strolled up.

Impressive stuff, but what is the significance of this technology and how can it be applied to assist real humans? Certainly, the technology behind predicted movement control has resulted in invaluable progress for mobility assistance, namely Stride Management Assist and Bodyweight Support Assist.

Perhaps ASIMO's greatest achievement, however, has been as a stimulus for the millions of children and students who have been thrilled at the possibilities he continues to represent and inspired to study science as a result.

Really far down to the bottom of the ocean, where barnacle-strewn hulks of long lost vessels bely vast riches, untouchable until now.

During the summer of , the firm recovered 48 tons of silver from another vessel - the SS Gairsoppa - and is planning a number of exploratory surveys this year.

The firm claims to have surveyed and mapped over 17, square miles of seabed and spent 10, hours spent diving on shipwreck sites with this advanced robotic technology.

Successes have ranged from hugely significant historical discoveries to extraordinary buried treasures, although above all else it is keen to stress the employment of the highest archaeological standards throughout its work.

By investing in the. We spent years believing that BlackBerry messenger was secure, safe and encrypted, but when the London riots broke out last year, the British government were able to request all the information from BlackBerry in order to put a stop to the organisation of the riots.

Whilst no company is ever likely to sacrifice themselves for our privacy, there is another option. Redact is a messenger application for iPhones that enables people to send totally secure peer to peer messengers.

And what happens if the information is requested by the authorities? The entirely secure and anonymous messenger stores no central information, which, I'll admit - makes using it a little more difficult than Skype or Whatsapp, but we've found that using Redact as a destination messenger for secure information and sensitive details is the best way.

On the following page, we explain some of our favourite features of the application. When either you or your contact tap the redact button then sensitive information is instantly removed from your phone.

What's more, the message is also redacted on your contact's device and you see a status message whilst it's processing - this way you can see exactly when the command has been sent to their phone and accepted.

There's no way to refuse a redaction or avoid it, so you can be confident your message is deleted forever - we tried a few times to catch the application out, but could never succeed.

The redact function is exceptionally useful - there are quite often parts of a conversation such as bank details, phone numbers, etc that you might not want your contacts to keep a record of, what's more, if you send something and want to retract it, you can occasionally redact a message before the contact has had time to receive and read it.

Redact will only send a message when both users have the application open simultaneously. All instant messaging apps store messages you're sending to your contacts.

No matter how securely these messages are saved, they're vulnerable to hackers or government supinas. Redact stores no messages, contact information or usernames so there is no information to be stolen.

Although this can make establishing a conversation a slightly longer process than your average messenger, that isn't really the point of the application and you're failing to understand its value if you judge it purely on that.

When you try to send a message to your contact, the application will check. If your contact is not currently available, the message is encrypted and stored locally, and stays in a pending state until you and your contact have the application open simultaneously.

A push message is sent in the meantime to let your contact know he has messages pending. Your unique number is never stored anywhere, and there are no password or username recovery tools for hackers to exploit.

To help figure out who's who inside the app, users can set their own alias, only you can change your alias, so you can be certain contacts aren't using your real name anywhere in the application.

What can we learn from this growing trend? Online businesses have been breaking with all convention and debunking the more simple traditionalist business models in recent years.

This is most evident in the freemium type business model that is becoming a staple for so many digital start-ups.

Looking at the early pioneers in this sector we mostly see businesses that have started as small, home-based college projects and seen spectacular consumer adoption before really dealing with the problem of a revenue model.

The others tend to be offering a paid for SaaS product with a free entry-level package as a trial. Either way it looks like this new wave of digital entrepreneurs are being creative and finding ways to make their businesses work and the result is a surge of fast growing companies being valued in the high millions in a very short time.

The potential rewards are enormously tempting and sufficient to generate a huge growth in business start-ups. In the early days of the web no one really knew what could or would happen and fortunes were made and lost in rapid succession.

In Sergey Brin and Larry Page, students at Stanford, were working on the Stanford Digital Library Project in order to create a searchable digital library of content.

Their first web crawler began exploring in early and in September Google was born. At this stage investors had spotted that with a high volume of usage must come opportunities for revenue in advertising and the seed was sown.

This simple idea has been a phenomenal success and gave advertisers an opportunity they could only have dreamt of — minimum wastage on their advertising spend.

Google has diversified greatly since and has become a dominant force in the search market. The story of Facebook is not entirely dissimilar to Google in that a group of college students develop a project which goes on to become an international success, without first considering the revenue model.

Rapid adoption and a high level of engagement on the site created an attractive proposition for. Other social networks have followed a similar pattern, although LinkedIn has been the most prevalent in creating premium models and paid user functionality.

The concept of freemium is continuing to evolve and absorbing more of the traditional software type businesses. In the past we saw that software developers would create a product, package it and sell it on a single fee, via download or disk, with paid for updates being released as and when available.

This business model is disappearing quickly in favor of the software as a service SaaS approach. As developers have moved to a subscription license model for their software products there has been a growth in offering freemium entry level product, with features stripped to the minimum so as to capture free users with the goal of converting these via upgrades to paid subscribers.

Skype have built a vast business based on many of us using a free service and then either upgrading or utilizing.

This allows businesses like Skype to build large revenue run rates without the need to rely on advertising, which can often be a fickle source of revenue.

Consumers are becoming more savvy and realizing that to companies like Facebook and Twitter they are the product and not the customer. This realization is leading to a thinning down or page views on these platforms and advertising via social networks provides relatively poor returns for advertisers.

Freemium models are adapting to identify revenues beyond advertising and mobile has been instrumental in forcing entrepreneurs to rethink their strategies, looking at revenue shares and low entry subscription models.

In , Justin Rose stayed In , true Justin to his Rose beliefs, stayed joining true to thehis beliefs, joining the European Tour against European all the odds Tour at against just 17allyears the odds old.

At Maurice Lacroix, we At Maurice create our Lacroix, uniquewe movements create our unique movements and award-winning designs and award-winning by hand — because, designs like by hand Justin,— because, like Justin, we too follow our convictions.

For more informationFor visitmore www. The growing phenomenon of crowd funding is gathering pace and new liquidity channels are evolving to cater for the rising demand.

We can all now be start-up backers with just a credit card and an internet connection and, more importantly, it can be fun and rewarding.

The JOBS Act, legislation that came into force in the US in April , has made it easier for businesses to raise money from a larger pool of smaller investors and has paved the way for budding entrepreneurs to source funding more quickly and with less red tape.

There are pitfalls elsewhere as legislation varies from country to country and the Howey Test is generally seen as a useful rule of thumb for those unsure as to what constitutes an investment contract and thus a security http: The campaign was a huge success and Marillion continued to utilize this approach to fund further albums.

MySpace became significant in allowing new artists a shop window and crowd funding began to spread into movie projects, book publishing and online start-ups.

The process comes with inherent problems for the entrepreneur, particularly for seed stage businesses. Having a great business idea and then publicizing this at early seed stage leaves the fledgling business vulnerable to being copied by larger and better-financed organizations, which is all part of the risk.

But more and more small private investors are taking the view that they may just want to see a project get off the ground and it may just be that the project is close to their own heart.

Creators offer rewards which can often be free product and there is an all-or-nothing rule whereby projects have a target amount and pledges are confirmed once this target is met and the project can be certified.

It's gearing up to become the number one service provider amongst private markets with cutting edge technology and operating with a head-start in a receptive environment where there are more private companies per capita than anywhere else in the world.

This newcomer with the right tools and extensive market knowledge is getting ready to take the market by storm.

The site targets the more sophisticated investor, or institutional investor, and allows private companies to conduct private liquidity programs allowing employees and other shareholders to sell shares within a company controlled process.

In addition to trading shares in private companies SecondMarket also operates as a resource for community banks looking to provide liquidity solutions.

In addition to trading shares in private companies SecondMarket also operates as a resource for community banks. The site allows project creators to keep all the funds they raise, regardless of whether the funding target is achieved.

The basic premise is similar to Kickstarter in that it operates a donations and rewards scheme, thus avoiding much of the international legal red tape.

As with its direct competition many of the projects created are centered on technology and the arts. RocketHub is a small business with a big voice and has been instrumental in lobbying the SEC for more standardization in the sector.

Projects need to raise all the money within the agreed timeframe otherwise the money is refunded to the investors. The future of crown funding could well be hyper-local as it seems to fit well with the whole community ethos and sites like Crowdfunder are well placed to take advantage.

It has a home-spun feel and has been created by the Venture Hacks team. Investors can follow companies on Twitter and other social networks and these companies are then ranked by level of interest.

The proof is always in the number of successful deals done and there seems to be a steady pipeline coming from AngelList.

The last twelve months caused some of the most dramatic shifts in the industry. We investigate the impact.

The newspaper industry will need to adapt more quickly and some are performing much better than others in the new digital world, The New York Times and Daily Mail are great examples of how the daily press can flourish when they can embrace change and both have enjoyed enormous successes both online and offline.

Whereas in the recent past we all caught up on news through papers, TV and radio we now live in a better connected world with online proving to be the most efficient news delivery method.

Many newspapers floundered during the early days of the web, and many still do as they struggle to monetize their digital content but the evolution of the news industry has seen newspapers adapt to become more feature led whilst the hard-hitting news stories are delivered.

For a newspaper to survive the erosion of print advertising and the depletion of offline readers they will need to start seeing themselves as content providers as opposed to print publishers.

This may seem like a simple enough step to take, but it does in fact undermine the entire business model of many media owners and they are understandably fearful of stepping into a digital world they have yet to fully grasp.

Last year, Chicago-based multimedia conglomerate Tribune Company - owner of 10 daily newspapers that include the Chicago Tribune and Los Angeles Times along with 23 television stations, radio stations and cable network WGN America , finally emerged from bankruptcy - the largest in the history of the American media industry when it was initially filed in Back then it was when real estate mogul Sam Zell privatised the company that Tribune went bust.

But now in , the value of the newspaper segment of the company has considerably dropped. The newspapers may be first up for sale - perhaps to Rupert Murdoch's new spinoff, News Corp.

Books and magazines offer an interesting comparison as both have taken to this transition much more readily. This points to the fact that more people are reading more books.

The advent of e-readers has grown the market as more people rediscover the joys of reading with new technology. In the US we see an even brighter picture with no fall in print sales and a rapid uptake in.

So why are the newspaper groups falling. This month a partnership has been announced between Digital First Media, which operates JRC, and world news site GlobalPost - with plans to focus on renegotiations and make the transition into digital and more sustainable enterprises.

In order to figure this out we need to first look at how the market is separated out. In China and India we are seeing a continuation of growth in newspaper print circulations, which gives us a skewed view of the market from a global perspective.

Newspapers in Europe and North America have had a rougher ride that will, in time, be reflected in emerging markets. The classified print advertising market, traditionally the bedrock of many local papers, has collapsed as sellers have already migrated to the likes of eBay and Craigslist which offer a more effective and lower cost marketplace for cars, household goods and services that formed the large part of print classified advertising.

The same applies to real estate advertising that has migrated successfully to specialist websites, pulling ad spend from local press and leaving a bare minimum.

The national dailies are a different matter altogether and those that are embracing new formats are making hay.

The Daily Mail, based in London, has seen a remarkable and meteoric rise in recent years as it re-invented itself in all but content tone.

The online version differs greatly from the offline version and is far more celebrity news focused whether we like it or not this is great for SEO and thus traffic , it has avoided the standard rules of web design and created a visually hybrid site, headlines are longer, pictures are bigger and the site offers a very different content form to offline.

The New York Times has also embraced the potential of multi-channel content delivery and has led the way in apps across multiple platforms.

The real task for the papers is in convincing their advertisers and how they handle this is the key to their survival. They will need to look closely at how their advertising sales teams work with the media buying agencies and this will involve a change in how advertising space has been traded in the past.

This relationship between brand and media will need to be much more robust and both will need to work in close partnership, which has always caused friction within media as editors fight to retain their editorial integrity.

This will be a tougher problem to solve and will require ongoing fine tuning and perhaps even a shift in how the media buying agencies operate and are structured as most of the larger agencies still separate print from digital.

Seeing the future of the newspaper industry. The shift in demand is not necessarily a purely generational one either as tablets, e-readers and laptops become the norm for everyone over print.

The consumer market is less black and white than internal industry analysts have suggested and most of us will still read in all the given formats, choosing to select the most appropriate and convenient at the time.

Giving the consumer choice is what will drive the market forward and the advertisers will follow wherever there is a clearly defined proposition for them.

Those who can embrace this will profit and for the rest, tough times still lay ahead. This relationship between brand and media will need to be much more robust and both will need to work in close partnership.

When have you ever heard someone say: It has been said that in life, the human being is majorly motivated by two factors: I have to ask this question because growth requires ever improving productivity and higher demand.

How can it be that such greed and insatiable desire for ever more and ever newer things has multiplied so rapidly in the recent past.

Worst of all, this is not sustainable in any way. Despite the fact that greed and the appetite for the finer things in life has always been present in history, how can it be that such greed and insatiable desire for ever more and ever newer things has multiplied so rapidly in the recent past.

Is such behavior not the doom of society? Doom not as in the physical death but rather the total loss of real human values.

Our lives are all 3G, HD and 3D but they are no longer real. Tears and laughter have been replaced by smileys and abbreviations.

Did you know that the number of patients being treated for depression or anxiety disorders in many western countries has soared insanely over the past decade?

Because bad food is cheap and engineered to taste good? We eat to feel better and that starts in childhood!

Especially if we add into the equation that bad foods are consciously chosen over good foods because it means less expenses for consumers and more profits for corporations.

It is a collectively forced symptom of modern society! All they say is that they sell cheap fast food. Stop blaming everybody else for your own problems… The human being is the apex predator on this planet, nobody eats us and logically what does that have to mean?

We have to be our own worst enemy, destroy each other and ourselves by nature. The paradox here is that we are equipped with minds that allow us to make conscious over instinctive decisions which should mean that we can chose not to auto-destruct but still we do it.

The outlook of the economy and therefore the outlook for any society is the collective sentiment of prosperity or depression.

When life becomes more and more demanding as standards are raised in both personal and professional lives, objectives are ever harder to reach and no matter how strong the mind, the majority will give up sooner or later.

Once the majority gives up, what happens? It is a fact of the present that we want to have more but work less.

We are saturated on our couches and that needs to change. Setting this thought aside, it is also essential to look at the role of corporations, investing absurd amounts of money in advertising.

Did you know that global advertising expenditure in is estimated to be more than billion U. And this number is growing several percent each year. This amount is so mind-boggling that we have to put it in perspective.

This number is more than the entire national, annual budget of a strong economy like Germany. We spend this much to make each other want more.

It is simply astonishing. Religion is a topic in this matter as well! Like hamsters in a wheel, running, running and running and then some more running… Some may adopt a philosophic approach to real satisfaction.

How much time have you spent thinking about what money really is? OK, in the past our money was actually backed by physical assets like the gold standard and before that money was actually made from precious materials representing the value, but nowadays money is based on faith and trust in the country that issues it.

At the end of the day its colorful paper and scrap metal or worse, binary codes on computers. OK, you might say that you want to care for those you leave behind, that is a valid argument but beyond that?

That is all that matters. Only street performers can make money by standing still. To find the right investor or investment for you, visit FirstPEX.

In this issue, we bring you some of the most exotic and interesting locations on the planet. Rio de Janeiro is a land that really does have it all - seamlessly switching between city thrills to pristine beaches, sun-kissed mountains and waterfallstudded exotic forests.

Except for its name the bar has hardly changed at all. Evening gourmet northern Italian cuisine is also served at the elegant Hotel Cipriani restaurant.

All of the hotel's glamorous rooms and suites feature period furnishings and original artworks and the one-bedroom pool suites all have verandas directly overlooking the stunning beach.

Offering sunshine, shopping and glitz on a monumental scale, every hotel either has a casino or shopping mall attached to the side. The marble shines, the gold glistens, and the rooftop pools are bubbling over with bikini-clad partygoers.

You might feel that there is little reason to even leave your facility-packed. There are loads more adventurous activities on offer, including hiking, biking and rock climbing - which can all be done in the nearby Red Rock Canyon National Park.

You can go out, ride a dune buggy in the desert, come back to your gloriously ostentatious hotel and then enjoy some of the best dining and gambling the world has to offer.

A sophisticated sanctuary of modern elegance in the heart of the Las Vegas Strip, the Mandarin Oriental is the only hotel in Las Vegas and among only four in the world to have received the Forbes Five Star designation for in all three categories: The tropical island of Sri Lanka has experienced a recent boost to tourism, becoming the must-visit destination for intrepid travellers.

Adrenaline junkies can choose to kitesurf at the Northwest Kalpitya Peninsula where the strong breezes of Kitekuda Lagoon are there to.

Or, simply recharge your batteries on one of the endless golden beaches. With its laid-back atmosphere and delightfully eclectic suites set around a pool in the central courtyard, Galle Fort seems to entrance all of its guests.

Owned and run by an Australian film producer who came for a holiday and ended up with a hotel , it has an air of exotic romanticism that has earned the hotel countless rave reviews from the trendiest travel writers including Vogue, Conde Nast and Wallpaper Magazine.

The mega-metropolis is home to some 10 million people, and is attracting a fresh new audience. Amongst the wide range of restaurants and shops there are tons of historical palaces and Buddhist temples where you can soak up the Korean architecture and atmosphere.

With convenient commuter trains that carry travellers directly to and from downtown Seoul, the heart of the city is.

It is the most heavily militarized border in the world and one of the biggest tourist attractions. The story Shilla Seoul is a modern hotel that has a restful and atmosphere and elegant decor - a perfect retreat after a hard day sightseeing.

With impeccable service and spacious well-appointed rooms, the hotel is set in 23 acres of woodland in downtown Seoul and within easy reach of all the city has to offer.

The fresh Adriatic air and coastline is perfect for boating, water sports and working on your tan. Prominently positioned on the cliffs above the Dubrovnik's prestigious St.

Jacob precinct, newly renovated boutique hotel Villa Dubrovnik has magnificent panoramic views of the Old City and Lokrum Island.

Kees Zwaan Drumstick of Kipfileetje? Dolf van der Wap Schooltje bouwen, kan ook goedkoper Frank Ottens Mark en Jesse: Jetty Bak Laat onze schelm Jaap met rust!!!

Frank Ottens Derde bak Gerard Laernoes Brute liquidatie onder toeziend oog van duizenden passanten A. Bert Loos Wat brengt ?

U mag het zeggen! Show Frank Ottens Lange leve J. Brede school op sportterrein Succes? Gerard Laernoes En nu?

Henk-Jan Wittink Krijg nou wat! Als Wieringen blijft zoals het is Regie: Gerard Laernoes Politiek gebral? Redactie Een tevreden roker is geen onruststoker!

De koe als melkproducente. Kreileroord op weg naar een Poolse enclave. Joods of Pools Werkdorp?

Stemt u lokaal of landelijk? Schepen zijn versleept bij Luyt. Pascal Revenich route naar de Marathon. Huilen met de wolven in het bos.

De Haan Travel en dan word je uiteindelijk Douane-Belastinginspecteur. Mooi, een flatgebouw op Wieringen, daar zitten we op te wachten Schooltje bouwen, kan ook goedkoper Dag van de achturige Arbeid.

Bloemen bij de meet, Gio! Hij moest weg, niet van het volk. Met Hotel De Haan naar Londen. Wat willen de inwoners, wat doet de gemeente vervolgens.

Familie De Does onderuit. Twaalf steden, dertien ongelukken. Zwarte Piet of schoorsteen Piet? Laat onze schelm Jaap met rust!!! Houston we have a problem With Jones towards the treble!

Het Olympisch vuur is gedoofd. Op zoek naar Kevin Loos.

The Mayans were right, who'd have thought it? The world ended at the 13th Baktun. Let us know on Twitter ElevatorMag.

Richter is a German born visual artist who simultaneously produced abstract and photorealistic painted works, as well as photographs and glass pieces.

Sarah Attar, the first Saudi Arabian athlete at the London Olympics, said "just being allowed to compete could be inspiring for women in Saudi Arabia".

The year-old athlete finished last in the m wearing head-to-toe clothing. Spectators gave a standing ovation as she crossed the line. Chinese physicist Yuan Yin and his team have managed to teleport photons through kilometres of free space, potentially opening the way for satellite-based quantum communications.

This ability could have monumental impact on secure communications in the future. The world's first totally secure instant messenger application Using encryption, ciphers and peer to peer messaging, Redact sends heavily encrypted messages from one phone to another without passing through any central servers.

Messages you have sent or received can be redacted from both handsets at the touch of a button with no method of recovery.

Jiroemon Kimura, born 19 April is a Japanese supercentenarian who, at the age of years is the world's oldest living person since the death of Dina Manfredini on 17 December Kimura lives in Kyotango and has 14 grandchildren, 25 greatgrandchildren and 13 greatgreat-grandchildren.

It is the appreciation for the creation of the extraordinary combined with the knowledge to allow our clients to benefit from such talent.

Schumacher, the seventime World Champion is widely regarded as one of the greatest F1 drivers of all time.

He holds many of Formula One's driver records, including most championships, race victories, fastest laps, pole positions, points scored and most races won in a single season 13 in He retired in He learnt to play chess from his father at the age of 5.

The game very soon became his big passion. Magnus became an International Grandmaster at the age of 13, the youngest at the time.

It was a year of transition and great change - here are some of the year's key events. From Libor-fixing to money-laundering and collusion, was the year that scandals rocked the banking world.

And the fines continued. Then came Libor, an industry-wide scandal over the illegal manipulation of a major interest rate. Investigations and resignations followed on both sides of the Atlantic.

Italy, Spain, Greece and Portugal all faced immediate danger of a possible default, necessitating a series of bailouts by the European Union and European Central Bank.

Worldwide markets rallied and the second half of saw more. Needless to say however, if the financial and monetary integration in Europe continues to outpace the deepening of political and fiscal ties, then unhappy German taxpayers could still find themselves footing the bill.

Strong growth among developing countries had been a bright spot in an otherwise tepid world recovery. China responded to the global economic crisis with an extraordinary increase in investment, an increase that boosted demand for natural resources like iron ore and copper which in turn created additional investment in countries like Brazil, Peru and Australia.

But that changed as India battled inflation, economic activity in developed countries contracted, and emerging markets like China faced economic slowdown.

A further rise in global energy prices because of increased geopolitical tensions continued to threaten global growth.

In July , economic fears were confirmed when the International Monetary Fund trimmed its forecasts. Whilst its communist leadership underwent its once-in-a-decade refresh, the new year-old leader Xi Jinping indicated no discernible shifts in priorities.

Freak weather and catastrophic natural disasters dominated the news headlines throughout With global weather becoming more extreme, heat waves and flooding more frequent, experts called for decisive action.

At the close of , the US Government faced crunch time. Entangled in political gridlock, the world anxiously waited whilst politicians took negotiations down to the wire.

One thing was for sure, a deal had to be reached if America was to avert the approaching perfect storm of legislative changes that had been building since the Bush administration.

Measures that were necessary to avoid impending austerity measures that would doubtless have plunged the US economy back into recession. The terms of the Budget Control Act of that were initially scheduled to take effect at midnight on 31 December ,signaled the end of the tax cuts, along with the dreaded shift in the alternative minimum tax that would take a larger bite, and the added.

But two hours after going over the fiscal cliff at midnight January 1, the Senate voted , and the House of Representatives voted , to pass the new American Taxpayer Relief Act of - and the fiscal bullet that they had been pointing at their own heads for the last four years, was dodged.

Amidst fears that the company would find monetizing the habits and information of its one billion users challenging, Facebook.

But then the big event is always the next product. Sweeping into power on a wave of public euphoria, he was in receipt of more total votes than any Presidential candidate in history totalling well over 69 million and was the embodiment of energy and hope at a time of global economic despair.

Officials estimated that 1. The son of a white Kansan and a black Kenyan, Obama was born August 4, in Honolulu, Hawaii, into relatively modest beginnings - a fact that has been used to his advantage in his campaigns since.

His parents separated when he was two years old, after which he was raised by his mother and grandparents. Following four years in Jakarta, Indonesia with his mother and stepfather, Barack returned to Honolulu at the age of ten to live with his grandparents.

He might have changed his hair but he still has the same enigmatic smile. It was clear from the outset that Obama was uncommonly talented.

At eighteen, after leaving high school, he moved to Los Angeles to study at Occidental College for two years before going on to graduate from Columbia University and Harvard Law School - where he volunteered for and was elected first black president of the Harvard Law Review, a position that saw him in charge of a team of 80 student editors, proving even then he had a knack of eliciting trust and building support from those around him.

With consistently strong grades and a hunger for success, he was already exhibiting signs of the famously cool temperament and personal likability that have continued to be significant assets in his career since.

After graduating he stayed and settled in Chicago, marrying his wife Michelle in and living with her in Hyde Park.

Their first daughter, Malia Ann, was born in , followed by Natasha 'Sasha' , their second daughter in During this time Obama was prolific in his community activities.

Braun become the first black woman ever elected to the Senate — a.. He was a founding member of the board of directors of Public Allies in ; served on the board of directors of both the Woods Fund of Chicago and The Joyce Foundation from — - both of which gave out tens of millions of dollars to various local organizations and helped Obama cultivate a network of community activists that would later support his political career.

In he announced his candidacy for a seat in the Illinois state. Senate, where he served three terms. It was when Barack began his presidential campaign.

He had his work cut out for him from the beginning. His election promises centred around the withdrawal of American troops from Iraq, increased energy independence, decreased influence of lobbyists, and promotion of universal health care - all whilst in the midst of the most serious financial crisis the world had seen since the Great Depression.

And so he set to work over the next four years bailing out banks and expanding the deficit, despite his dream of unity colliding with the reality of obstructionism from the Republicans in Congress his bill, the American Jobs Act, went nowhere despite his best efforts - consulting firm Macroeconomic Advisers has estimated the act would have added 1.

But his accomplishments have not gone unnoticed. He got his health plan passed, he ended US military involvement in the Iraq war, was intricately involved in the removal of Osama bin Laden, and despite his low poll numbers leading into the heat of the campaign, still had a personal likability that never faded.

His re-election was a much more nerveracking ride than - amidst high unemployment and a fractured political landscape, and battling with the fantastical expectations that had been attached to him from the offset, his promises that came in emotionally engaging and inspirational speeches.

Obama became the first Democratic president since Franklin D. Roosevelt to twice win the majority of the popular vote. His race with Mitt Romney was declared too close to call by many media channels in the run up to election day.

In fact Obama became the first Democratic president since Franklin D. In his address to supporters and volunteers at Chicago's McCormick Place he said: You elected us to focus on your jobs, not ours.

In , he found and forged a new majority, turned weakness into opportunity and sought, amid great adversity, to create a more perfect union.

Over those first few months, according to Google, his video was watched seven to ten million times a day - with , views on its first day alone.

It was a performance from and the 15 year old PSY was hooked. His single Right Now was banned from under audiences by South Korea's Ministry of Gender Equality and Family for what it deemed to be obscene lyrics more recently Park recently issued a public apology to America live on CNN for his participation in anti-American concerts in and and for the anti-American lyrics he used at the time, condemning the US military for their role in the Iraq war.

But despite his critics, the effervescent singer was continuing to top Korean music charts and earning songwriting accolades at the SBS and Seoul Music Awards.

By the time PSY signed with South Korean music label YG Entertainment in one of Korea's largest talent agencies and record labels , he was already a famous figure in his home country -.

The song reached No. What can get lost however, is that beneath the infectious lyrics is a satirical subtext that highlights the gulf between the rich and poor in Gangnam, set within a context of the tensions that surround the national aspirations for prosperity.

Spending to look wealthy is becoming a social norm in a country that is trying to come to terms with its new found G status and rapidly appearing pockets of affluence.

Park is, after all, the first globally successful example of K-Pop. Chinese journalists are heralding the rise of Korean pop music and the spread of Korean entertainment.

But of course, this could all just be a random phenomenon that goes to illustrate the powerful global influence of social media channels and it's instant feedback provided by YouTube, Facebook and Twitter - with some celebrity endorsement thrown in of course - all of which have made it easier for K-pop musicians to reach a wider audience in the West.

At any one time there are hundreds of thousands of quirky songs, funny dances and comedy video clips circulating through cyberspace that never reach such epic notoriety.

His background has been well documented and he remains a high profile figure respected and revered by his peers. He was born in Philadelphia in and his father was a local businessman, owning a dry goods store.

His academic background was exemplary, having graduated from Yale before completing his MBA at Harvard in Many would have settled at this stage, taken a substantial salary and waited out a comfortable early retirement.

Schwarzman had bigger and more ambitious plans and in , at the age of 38, he left Lehman Brothers along with Peter Peterson, his then boss, and started Blackstone.

The intention had always been to enter the private equity market but raising a first fund was tougher to raise than anticipated as neither partner had led a leveraged buyout.

This first fund was finalized in , shortly after the October stock market crash and included investment from GE. The business, and Schwarzman in particular, was also building a reputation for hiring and losing the best A-Players on Wall Street following highly publicized run-ins.

Blackstone was known as a tough place to work, but financially very rewarding. The company was now a major league owner in real estate at a time when the market was poised for high returns.

Peterson retired the following year whilst Schwarzman continued to develop the business. Blackstone is widely recognized as one of the great success stories.

Schwarzman married his first wife, Ellen Philips, in after they met at Harvard. They had 2 children, Elizabeth and Edward, and were divorced in Schwarzman met his second wife, Christine Hearst, and they were married in Built in by the grandfather of Jacqueline Kennedy-Onassis, the building has just 31 residences and it takes more than just money to move in.

Barbara Streisand, Neil Sedaka and Russian billionaire Leo Blavatnik have all fallen short of the mark and been declined by the committee.

In he made a high profile donation to the New York Public Library and the Fifth Avenue branch now bears his name.

He takes the time to read every one of their report cards and write to them, his strong belief being that education can get you to wherever you want to go.

He cites, as a key influence, his grandfather who instilled a sense of charity within the family from an early age. He is, as you would expect, bombarded with requests for donations from organizations and individuals and is often surprised at the reaction when he feels it necessary to decline.

Prior to his donation to the New York. His hard-nosed approach and ability to sniff out a deal make him a formidable competitor.

I always think about what will kill the other bidder. How has Jinping contributed towards making China the economic superpower that it currently is today?

Its rise is by no means recent and is seen as powerful testament that, in some cases, a moderate communist economy can work.

Deng was a true political and economic visionary and had a peerless understanding of the difficulties involved in governing a vast country with a population exceeding 1 billion, and expanding fast.

Communism was, and remains still, perhaps the most viable alternative for keeping such a huge economy stable whilst keeping control over corruption and regional unrest.

His predecessor, Mao, had a fierce reputation and a brutal leadership style. Deng, on the other hand, as leader of the Communist Party recognized a need for tempered reform and led the country to its current position as a well-ordered market economy.

Under his leadership there was a drive towards modernization in agriculture, manufacturing, technology and defense.

China continues to demonstrate its power as the workshop of the world whilst ignoring calls from other countries to address its human rights policies as well as its poor environmental record and flagrant disregard of international copyright and patent laws.

A sobering thought indeed as many other large countries grapple with how to grow their GDP and develop their own standing. From the outset Xi has vowed to continue with the reforms of his predecessors and to take this further by removing inhibitive trade barriers with the west.

Born in as the son of a communist revolutionary, Xi did not have the. The area became a hotbed of communist revolutionaries who rose up to build what was to be a new and more modern China.

His adolescence was spent in hard labor hauling coal and manure for the village but his hard work paid off and he gained the trust and respect of his fellow villagers who elected him their village Party Chief, his first official office.

He grasped the role and began a series of projects to reinforce the local riverbank to prevent erosion, much to the delight of the local farmers.

The party as a reward for his efforts and hard work awarded him a motorcycle, but he immediately traded this in for a walking tractor, flour milling machine and farm tools for the.

Although not in school at this time Xi read well, gave himself a high standard of education and was recommended for enrollment at Tsinghua University in , at the age of When he left for Beijing to take his place at Tsinghua all the villagers queued to wish him luck and good fortune.

Having arrived in the community less than 7 years earlier he left having earned the respect and gratitude of his fellow villagers and he never forgot this.

As he became more powerful and more affluent he shared his good fortune with the villagers and remained in contact. After completing his university education Xi took a comfortable and well-paid office position and began his career in business, which was short-lived.

Whilst his colleagues and friends took overseas study courses and started their own businesses in the newly reformed market economy Xi returned to his passion, party politics, giving up his comfortable lifestyle for a position as Deputy Party Chief in Hebei Province before taking the role of Party Chief of Ningde Prefecture in the Fujian Province, which was one of the poorest regions of China at this time.

Many remember his tenure in Ningde as a period of positive change and he became recognized as a champion of the common people.

These visits did not go unrecognized by the people who took him to their hearts in the same way as those in Shaanxi Province. He helped thousands of farmers improve their living conditions with extensive new housing programs as well as working with fishermen to offer them alternative work on land at a time when fish stocks were in severe decline.

He was as tough with local officials as he was warm to the people and was intolerant of any corruption or inability to act decisively. He set about ensuring that officials met with their people regularly and put into place processes of communication that are still carried out today.

During this time Xi embarked on a series. His policies were groundbreaking and he oversaw a crackdown on food contamination as well as adopting environmental policies unheard of elsewhere in China.

His understanding of the need for environmental policy within China as a way to improve living conditions could well be one of his many worthwhile legacies in years to come.

He has tackled head on previously ignored issues of deforestation and land contamination within. In Xi was transferred to Zhejiang where he immediately set about creating plans and targets to improve the infrastructure and economy of the region.

He encouraged industry from outside the province to invest and began to set up working partnerships with neighboring provinces.

Within 2 years he had set up a system of grass-roots democracy allowing local communities an active voice in local party affairs. In September Chen Liangyu, Party Chief of Shanghai, was dismissed following a fraud investigation surrounding social security funds.

It was imperative that the new Party Chief would be an exemplary candidate and Xi was chosen for his outstanding track record and integrity.

Shanghai was one of the most powerful regions and represented an important step up the political ladder for Xi, which he grasped willingly in early His record was unblemished by scandal or corruption and he has always been a popular choice with the people.

As a statesman he has the respect of many overseas politicians and has frequently hosted and visited presidents, prime ministers and foreign dignitaries.

His straight talking and honest approach has improved trade and diplomatic relations previously strained with many countries. He has travelled extensively in recent years across Europe, Asia, South and North America in order to develop a more open and friendly trading relationship.

First, China doesn't export revolution; second, China doesn't export hunger and poverty; third, China doesn't come and cause you headaches. UK but the marriage ended in divorce within 2 years and little is known of the circumstances.

Xi met his current wife, Peng Liyuan, in and they married in the same year. Peng is a renowned and respected opera and folk singer, and was a household name in China when they met.

The couple has a daughter, Xi Mingze, who has been studying at Harvard since Xi and Peng appear to be the typical power couple in many respects and talk of their devotion to family life, despite having to spend extended periods apart.

Perhaps this is a sign of his single-minded ambition and overwhelming desire to retain a clean public image. Xi will assume the presidency in March and has already begun taking steps towards tackling corruption by requiring officials to report their assets regularly.

His rapid reform approach is at. China often gets a tough time from foreign press and is frequently misunderstood but with greater openness comes better understanding and faster progress towards a common goal.

Having said that I would like to table the idea that Apple could well see a settling period in its growth.

When the iPod arrived it was a great product and well received. The iPhone was another great product that crashed its way into the mobile phone market, but the constant rumors and whispers surrounding what Apple will do next is getting tiresome.

What has become tedious is the necessity to create. Anyone who bought a first. The division between Apple lovers and haters has been drawn deeper than ever before and what was once a symbol of cool is now simply an everyday object.

The iPad was the last great innovation from Apple and, like so many products, it was a reinvention of a product, which had failed in the hands of previous innovators.

New products arrive but they are understandably predictable. Rumors of the new Apple watch are equally predictable, as Android watches have been trying to tempt us unsuccessfully into the smart-watch age for a little while now.

The company has diversified substantially since its early days as a manufacturer of personal computers and now has a wide range of electronics products including set top TV boxes, tablets, MP3 players, mobile phones and so on.

Apple has become a design business but do we all want to fill our lives so entirely with Apple products? Do I want an Apple refrigerator that replenishes itself by ordering groceries online to be delivered at a time that fits into my iCloud calendar and schedules it for me?

Both private and institutional investors have been sucker punched in their belief that Apple stock is bullet proof. Rochdale Securities were hit hard in October.

Miller reportedly closed down his computer at the end of the trading day, quietly left the floor and never returned.

So what about all the rumors of new products and new market strategy? Are we to ignore the analysts and take our own view on what could happen based on our own gut instincts?

Your guess is as good if not better than mine. In order to refine our guesswork. What the rumor-mill believes will happen: The fifth generation iPad will almost certainly arrive in March and will be thinner and lighter than its predecessor, alongside the second generation iPad Mini, complete with retina display.

The iPhone 6 is anticipated to arrive in the autumn and expected to come with a new curved screen and without the home button, which could be replaced with on screen gesture control.

None of this is particularly spectacular but will help keep the iPad and iPhone ahead of its competitors. Apple will put us out of our collective misery and finally release the TV set we all keep hearing about.

The iWatch has been lauded as the possible end of the smartphone era and as a concept is interesting. I was fascinated by the LG watch phone in and felt it had potential so maybe this could be a huge success for Apple and an opportunity for them to create a market where LG arrived too early.

A further overhaul of the iMac range including the Mac Mini and a range of budget end component products is widely predicted.

This seems unlikely, although would make good sense. What many of us would really like to see: If Apple were to decide that there was long-term value here by leveraging their supply chain then there is certainly scope for expansion in this sector.

Look to Mercedes — Smart and Prada — Miu Miu as great examples of quality brands extending their reach without damaging their core appeal.

Tim Cook had a tough first full year in and learned some important lessons, but has come through this looking stronger and more determined.

Whether Apple has passed its market peak is a matter of ongoing and tedious debate but none of us will be greatly surprised by whichever direction the business takes or whatever products it releases.

Never having seen Lego before he was in the bucket and rummaging, tipping the contents onto the floor.

I watched as he turned them in his hands, studying each side before accidentally snapping 2 bricks together and then another more purposefully.

Within minutes he had built something. There are potentially ,, permutations using just 6 standard 8-stud Lego bricks see here for proof http: Ole Kirk Kristiansen, a Danish carpenter and furniture maker founded the company in The Great Depression of the s was crippling to the business and Kristiansen began focusing more on toy products in order to stay afloat.

The brief yo-yo craze in the mid thirties gave him the lifeline he needed and when this died out he was left with a large quantity of yo-yo parts that he then.

The company had begun to make toys that could be dismantled and reassembled when in Ole Kirk and his son Godtfred, who was now working for the family business, came across a product made by Kiddicraft in the UK, an interlocking brick.

By they had created their own version,. The name Lego was adopted in and is derived from the Danish leg godt, meaning play well. The market for plastic toys at the time was limited, as consumers preferred more traditional wooden toys.

By the business was employing staff and had switched to a more resilient plastic, ABS, which is non-toxic and still used today.

Lego had evolved from simple bricks into a more sophisticated range of product that was now taking more and more shelf space in toy stores everywhere.

In the company opened the first Legoland Park in Billund, Denmark, which featured miniature towns and intricate models built entirely from Lego.

The park was a roaring success and attracted close to , visitors in its first year. Lego was becoming much more of a brand that the Kristiansens could have imagined and business was booming.

Through the s they continued to add to the range, introducing Duplo for younger children as well as adding figurines and ever more complex product packages from pirates to astronauts.

Adults and children alike were competing in Lego building tournaments and the range had become a staple for toy retailers the world over.

The business has gone through some tough times in recent years and in sales of their seemingly ubiquitous products spiralled down causing competitors and predatory private equity groups to start circling.

It seemed that the longstanding family owned business was finally going to have to succumb to pressure and, heaven forbid, begin rescue talks before what seemed like an inevitable looming bankruptcy.

Knudstorp had joined Lego in from McKinsey and was a surprise appointment to many but an inspired move nonetheless. He immediately set about reviewing the business structure from the top down, asking difficult questions and tightening control of costs whilst refocusing on the core product.

There were 3 failings within the business culture at Lego, which Knudstorp identified immediately. This is not a unique problem and many have cited similar reasoning for the demise of Kodak and others who have fallen from dominant positions at remarkable speed by assuming they are simply invincible.

Lego had become a lumbering giant with. Years of investment in a range of clothing, watches and more theme parks had left the business with a problem.

This problem was caused. In some respects the business was lucky to have hit the rocks before , as the outcome may have been very different.

Knudstorp had a tough job on his hands and was adamant he would not be taking the expected approach of slashing jobs and selling off parts of the company straight away, opting not to panic and consider the overall picture more carefully.

He knew the clock was ticking and he flew to Virginia to attend BrickFest, the annual event for adult Lego fans. This was a shrewd move and Knudstorp took the time to talk to his loyal customers and hear what they had to say.

It was important to understand what Lego meant to its core customers in order to give them what they wanted. Time and time again he was being told that Lego is the ideal way for a child to learn about creativity and improve problem-solving skills.

In early Knudstorp announced his plans for Lego that included cost cutting and a return to the core product. This was reinforced when the founders of Google were featured in a Time Magazine cover story praising Lego for helping to shape the way they tackled problems by teaching them basic problem-solving skills at an early age.

Lego sets had a purpose whereas a Lego t-shirt or watch had no real relevance and these distractions were causing deep-rooted damage.

In early Knudstorp announced his plans for Lego that included cost cutting and a return to the core product ranges that were integral to profitability.

Lego had a longstanding policy of owning its buildings rather than leasing and this accounted for a substantial amount of potential cash value that was vital if the company was to survive.

The continuing purge saw the sell off of the theme parks to Merlin Entertainment and the video games business was closed down and sold to more able outside licensing partners.

Once the non-core areas had been addressed Knudstorp then set about the difficult task of laying off staff, which had been a sore subject for the Kristiansen family.

The remaining staff had to be carefully re-educated to understand that profitability was now at the top of the agenda. Performance related pay was introduced across the company and processes were sped up.

In the past it had taken an average of 2 years to bring a new product to market and this was cut to 12 months as a sense of urgency was instilled.

More redundancies followed and a further 3, departed as production became more streamlined. One month later, does the child come back to the toy and play with it again?

Or does he put it away and forget about it? The results of the overhaul were extraordinary and Lego began to grow and move back to profitability faster that anyone could have imagined.

What has happened here is a powerful case study for any students of business in the modern era. As Lego takes more considered steps into new markets and new technologies it will continue to strengthen and the competitors who were circling in could well become targets themselves in the near future.

Lego now produces over 29bn components each year, 19bn of which are manufactured in Billund, Denmark. With network problems and poor sales behind them, does BB10, their new software have what it takes to save the company?

The brand once adored by the corporate world has slipped up again and again and no amount of PR spin or claims of a comeback can convince shareholders or potential investors that the good times will be back.

Back in the day RIM had a great idea to bring phone and email together launching the first Blackberry devices in Their great success came from being the first to offer a system a device and the software to back it up, which placed them in a position where they had control of their destiny whilst others struggled to marry together these three components.

The company rolled on with its existing device range but realizing its mistake hastily released a touchscreen device, The Blackberry Storm, which was hardly a worthy competitor to the iPhone.

It had no WiFi capability and poor touchscreen functionality. It sold below expectations and left loyal customers wondering what was going on.

The truth was that it was cumbersome and behind the times. Sales were poor with only , devices shipped in the first three days, compared to 1. They seemed to have forgotten the end user and stuck rigidly to trying to please corporates and carriers.

Other manufacturers were showing the consumer what they would want and RIM were asking suits what they thought. We see a similar story in the tablet market with Blackberry dismissing these new devices at first and then hurriedly releasing their own Playbook, which was a vastly inferior product and had fundamental flaws, namely its lack of email support.

The die was cast for RIM, Playbook sales were dismal and the lack of a plentiful app store has left RIM struggling to convince developers that they should be building Blackberry or Playbook apps.

This is a problem that still exists and no amount of financial incentive seems to be enough for the app development community to be enticed.

The much-lauded new operating system, BB10, has been a long time in coming. The launch is scheduled for this week at the time of writing end of Jan and RIM are planning to launch six new mobile devices this year in a bid to recapture market share.

Co-CEO Mike Laziridis did little to rebuild confidence and quickly earned a reputation for complaining about shareholder unrest.

The response to this was weak and the PRs sat quietly waiting for the storm to die down. In the network experienced a severe outage of service for days, leaving corporate users stranded.

Whilst most customers will accept there will be occasional problems, the handling of communication from RIM was poor and the consequences were damaging as many corporate clients started to look elsewhere for fail safe options.

A year later the problem re-occurred and this time the timing was embarrassing to say the least as Apple launched the iPhone 5 in a fanfare on the same day.

Thorsten Heins was appointed as president and CEO with a mammoth task on his hands. Since Heins arrival there has been some degree of change in culture and more caution being taken around product development and launch.

Blackberry announced shortly afterwards that the first BB10 devices would be all touchscreen. The brand was fast losing corporate market share and becoming synonymous with teenagers who were unable to afford iPhones, which has lead to a dilution in the perceived value of the product.

At first it was believed Samsung had organized the stunt, but when they rigorously denied involvement RIM had to step up and rather awkwardly admit blame.

The guilty secret that soon became apparent in all these places was that not one of them was entirely devoid of an IKEA product.

Not one, and believe me I started making a point of asking. This is the great thing about this brand, you will find their products in the most modest social housing often as easily as you will in upper west side apartments.

IKEA is a complex business and not an easy one to understand from the outside. In the simplest terms the business remained under the control of founder Ingvar Kamprad until he retired in From the outset Kamprad wanted to retain control of his business and deliberately avoided the suggestion or offer of outside investment, preferring to do things his way and without interference.

From small acorns big oak trees grow and if you need proof of this then IKEA is your evidence. Kamprad founded the company modestly in at the age of 17 with money from his father.

The name IKEA is taken from his initials and the first letters of the farm and village where he lived, Elmtaryd and Agunnaryd.

He used the money from his father to buy stocks of pens, picture frames and household items, which he sold locally at discount prices. Business was good after the war and Sweden was well insulated from the economic hardships of post-war Europe, giving IKEA the perfect environment to capitalize on the modern demand for furnishings.

By the first range of furniture was introduced and although not yet flat-packed for self-assembly the pricing was keen and suited the mass market.

The first retail showroom opened in , some 10 years after Kamprad had started out and it was another 3 years before the company moved into the flat-packed furniture business almost by accident.

Company folklore has it that the idea of flat packing came from an employee taking home a table, but being unable to fit the table into a car had removed the legs only to re-attach at the destination.

However the idea was formed is irrelevant as flat packed furniture was born and would go on to dominate furniture sales around the globe.

The business really began to grow at a greater pace from the late s onwards and by IKEA was employing staff. Having been founded 16 years earlier this may not seem like a giant leap forward, but keep in mind that Kamprad had started the business on a modest gift from his father at the age of 17 with no prior experience and was about to ride the crest of a wave that would see households in Europe and America take up the latest craze of home improvement, which still exists today.

Kamprad continued to build the company brick by brick, adding products to the range, cafeterias within stores and looking more and more towards eastern Europe for a cheap supply source of quality materials.

Kamprad had long believed that people would be prepared to travel if he could offer the largest choice and range at the best prices, and he was right.

Kamprad had been canny in hiring great young designers and creating fresh looking modern furniture that appealed to almost everyone yet still remained mainly in the budget end of the market.

Kamprad retired in after 43 years at the helm and became an advisor to the business. You may not spot him immediately in the towns around Epalinges buying Christmas ornaments and wrapping paper in the January sales and taking the salt and pepper sachets from the local cafes but that is him and he is there.

He is not a miser, he simply values money well spent and he has a portfolio of property as well as many of the trappings you may expect from his billionaire status.

The Italians seem to understand the need for power and beauty in the right combination and have produced some of the finest and most desirable cars.

German, American and British car makers have all produced great cars, notably Aston Martin, Mercedes and even Dodge but they all lean too far one way or the other.

Aston Martin and Mercedes seem to overlook the need for outrageousness whilst the Americans are obsessed with brut force. While Mercedes invest huge budgets in the finest detail and craftsmanship the Italians have a wonderful knack of making the imperfect somehow perfect like a true thoroughbred.

Bugatti come close with the Veyron, but somehow the influence of VW just seems to take the edge off its flamboyance. This is a difficult market to break into and many have tried.

The allure of a supercar is often in the heritage that places huge barriers to newcomers, although not impossible to overcome.

Maclaren, Noble and Pagani all make truly great supercars and have held their own, but others have been less fortunate.

Horacio Pagani was born in in Casilda, Argentina. His father was of Italian descent and the Mediterranean flair seemed to have been passed on.

His father was of Italian descent and the Mediterranean flair seemed to have been passed on as Horacio was building detailed and perfectly scaled balsa models of GT cars from as early as 12 years old, these can be seen at the showroom in Modena.

By the time he was 16 he had designed and built his own Mini Moto and he still owns the bike today.

At the age of 17 he had built a buggie utilizing Renault running gear and was accepted to study industrial design at the University of La Plata and went on to study mechanical Engineering at Rosaria.

At the age of 22 he went solo with his own consultancy and designed bar furniture, caravan trailers chairs, beds and all. He finally moved to Italy during with a letter of recommendation from JM Fangio and joined Lamborghini where he worked on the team creating the Countach Evoluzione, which was the first car to be built with a fully carbon fibre frame.

He fitted in well at Lamborghini and in he designed the Countach Anniversary and became an integral part of the design and build of the Diablo.

By the late s Pagani was trying to convince Lamborghini to invest in an autoclave so that they could further extend production of carbon fibre parts for their cars.

In Pagani borrowed money to buy an autoclave and in left Lamborghini to set up Modena Designs, a company that still makes carbon fibre parts for Formula 1 cars today.

It was Modena that would allow Pagani the time and facilities to develop his first car, the Zonda, and in Pagani Automobili Modena was born.

In the early years Modena Designs continued to work closely with Lamborghini in the styling of the Diablo and Pagani was by no means ostracized by his former employers.

Pagani pushed on with the development of his Zonda and made the most of his racing contacts to secure a deal with Mercedes AMG to supply engines that would make sure this car had the performance to match its looks.

The Zonda was finally launched at the Geneva Motor Show in after 7 years of development and arrived with a 6 litre Mercedes AMG V12 and would accelerate to 62mph in 4.

It also had killer good looks whilst never imitating Ferrari or Lamborghini. Pagani had no plans to churn these cars out at any great speed, preferring.

Of these there were a number of special editions created to individual client specifications and these are the most sought after.

Later cars came with higher price tags and blistering performance, the Zonda Cinque the final iteration of the car delivered the driver to 62mph in 3.

In the Zonda was finally replaced by the unpronounceable Huayra. The top speed is over mph and 62mph is racked up in 3. Factory production, on the other hand, remains painfully slow with fewer than 20 cars being built each year.

A deal with EA games in allowed the games maker exclusive rights to the Huayra in the gaming world for their Need for Speed franchise. Pagani retains ownership of both companies and remains true to his ideals, creating a small number if highly desirable and powerful cars with jaw dropping good looks.

As a result Pagani have arguably become the leading hypercar brand and been instrumental in establishing this market, stealing a march on its better-known neighbors.

Crash one and, if you survived, you could deliver it back to the factory to have it rebuilt from the ground up.

Simply because we take a certain responsibility in commending the work done in the past. A lawyer would tell you that he declines all responsibility for whatever he may or may not utter.

Well we're going to go out on a limb and just proclaim our opinion alongside the votes and comments we received from our readers.

We're happy to provide our perspective on the firms we've picked for this year's award. The private equity fund category is probably the most challenging because this sector is the least transparent and hence to most difficult to evaluate but we've looked as closely as we could and found the following gems that are worthy of our crown.

We hope you can give them the nod of agreement, and if not please feel free to tell us why. Blackstone is a company that we studied in detail in a previous issue when our lead article was about Mr.

Peterson, one of the two founders and that added to our confidence. Its a name that everybody has heard and you'll hardly find anyone who doesn't respect this firm.

It is for this accomplishment, amongst other criteria that we named Blackstone our winner for this year. Schwarzman and Peter G. Peterson, today Blackstone has over 1, employees in 24 offices worldwide and is one of the world's largest private equity investment firms.

Its diverse range of funds makes private equity, real estate, credit and hedge fund investments all over the world. Everyone firm has excelled in their very own way and we are pleased to present those great firm.

So besides Blackstone and without any further ado, here are our additional award winners:. Experience, success and talent.

They are doing the deals that you read about in the paper and they are generating great returns for investors. We commend the intellect and strategy not only on the management level but the whole of what seems to be well-oiled machines of the private equity industry.

Specializing in private equity, venture capital, credit and public market investments, Bain invests across a broad range of industr y sectors and geographic regions.

Established more than 40 years ago, today Warburg Pi n c u s i s a g l o b a l l y integrated partnership led by co-presidents Charles R. Kaye and Joseph P.

In this edition of The Elevator we have profiled Mr Schewarzman in great depth. Visit the profiles section of this issue to learn more.

The idea of the hedge fund was born in the s, then resurfaced at the end of the s and celebrated its real breakthrough in the s. That means that it took the market almost 70 years to mature the idea of making profits on rising and falling markets.

For 20 years the hedge fund managers were the pop stars of the finance industry and investors flocked to this type of financial instrument but then came the fall from grace, leaving only the best funds and their managers in business or almost.

This sector is also not being spared by heightened regulations and therefore doesn't have the "carte blanche" to do as they please. The times of playing cowboys may be over but this sector still has a bright future ahead.

There's still a very large number of hedge funds out there and it was challenging to pick the winners for our awards but we think we've made a good and fair cut through the masses and found some stars among the dogs.

It seems logical to be able to generate profits from both falling and rising markets. Pine River pursues several strategies including global convertible bond arbitrage and equity driven event investing.

Clever ideas and double-digit returns have propelled these firms to the top of our list and we're confident that we've picked the right ones to highlight this year.

As always, if you can share your thoughts and comments with us via Twitter Elevatormag. Set up by former Lehman Brothers trader Deepak Narula in , Metacapital Management has become the world's most successful hedge fund.

His mortgage-backed arbitrage fund Metacapital Mortgage Opportunities, which invests primarily in residential and commercial mortgages, ended Narula and others correctly bet that agencybacked mortgages owned by the much maligned Fannie Mae and Freddie Mac - were primed for a rebound.

Leading London investment firm Odey Asset Management was launched in to focus on active fund management at a time when the industry was obsessed by investment indices.

Oxford graduate Crispin Odey was determined that original research and rigorous analysis should drive the investment process and was determined to keep research and judgment at the heart of the investment process.

This year saw his move to the firm's Geneva office. The list is long but the following companies simply stand out.

The term has been diluted and become somewhat of a fashion word in the financial industry. We've taken to the subject also with a wider perspective because its not much use to evaluate family offices who manage only one estate, because logically they wouldn't accept new clients.

In that spirit we've looked at asset management firms, financial advisors and multi-family office companies to pick the best ones we could find.

Its no great surprise that the winners are all in Switzerland, the place where managing money is a natural part of life. The firms we've picked have a responsive team of outstanding professionals who have excelled in terms of client services and performance in and we're confident that they will continue to do so.

There are a lot of firms that proclaim to be a family office because it sounds good but most of them don't even know what it means to really be at your client's service.

In , it was ranked 29th among the leading independent providers of multi-family office services worldwide by Bloomberg. Notwithstanding the various crises beginning in , Finance has been able to move ahead on the strength of its innovative business model.

Today, with sizable assets under management and 25 members of staff, it rates as a mainstay in the Geneva banking industry.

On the contrary, its often the small and nimble firms that will strive more to deliver that little extra bit of service that you need.

Experience is the single most important thing when it comes to finance, simply because its important to know every trick in the book when it comes to managing money.

There are a lot of situations where the unexperienced will react too soon or too late. Only the well-seasoned manager will pull the trigger at the right time.

In addition to financial services, it aims to provide clients with access to a wide range of supplementary services - including art collection management, VIP-service, property management, tax and business consultancy, as well as legal advice.

As an independent Swiss financial service provider the company is independent from the banks, ensuring that its investments are completely customer-led with no conflicts of interest.

Owner-managed financial services provider Helvetic Trust specialises in the fields of wealth management, family office services, real estate and precious metals.

It was founded in by Kaspar Grob and is currently wholly-owned by its 16 partners. In addition to the head office in Zurich, the company also has branches in Berne and Lausanne as well as an office in London.

A Swiss company, small enough to be manageable but active on an international scale, the share capital of 1 million Swiss francs CHF 1 million is entirely in the hands of the active partners.

The closer you get to the road, the better you can see its beauty. Fuel consumption under standard conditions: The single mom of year-old twins and a year-old has over 20 years experience in representation, litigation and protection of children and families.

During eight years as felony assistant district attorney in Anderson County, she litigated CPS, juvenile cases and crimes against women and children.

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And then he sees her at a club on the dance floor with another man. He has a girlfriend, a great gig as a songwriter and a new album. As far as writing a heartache song, Mike says it all comes with the territory of living and loving.

I want people to feel like when they hear the song that it is a story about their life. Mike grew up in San Antonio surrounded by music — all kinds of music.

From an early age, he loved the wailing blues of Stevie Ray Vaughan and the traditional country of Waylon Jennings.

San Antonio His father played bass in a bluegrass band and performed in musical stage productions. His uncles were band directors and his grandfather, one of his strongest musical influences, was the director of the Texas National Guard Band for more than 20 years.

He entered The University of North Texas with his sights set on a career in criminal justice. After taking a few music classes, he decided that making music might be a pretty good way to make a living.

He also caught the attention of power players in Nashville who can do wonders for the career of a young.

The collaboration created an unusual problem: The rest will take care of itself. If I ever got to be Garth Brooks status, that would be awesome.

He was very passionate about making music, as well as teaching it, and that passion was infectious. Compared to 4-inch models, iPhone 6 has a screen of 4.

Have you wished your locked door knew you were approaching with eight burgeoning grocery bags, a count package of toilet paper under your armpit and a carton of eggs balanced on your head?

Your phone is your key and it unlocks and locks your door on the fly. Dear Santa, for Christmas I would like an I. I do know that I need this device.

And what good are power cables that constantly slip behind desks? Enter MOS, the magnetic organization system. Using online software, you set a perimeter for your pet.

I wonder if the kids made it home, if the dog found a new chew toy before discovering the new couch and if the air in my home is suitable for human habitation.

Set up alerts and use your smartphone to peek in on your home. Withings Home even monitors temperature, humidity and dangerous airborne chemicals in your abode.

Available soon at withings. You can play millions of games on your iPad but just a few using your iPad. That imbalance led a couple of Google engineers to develop the Osmo child education system.

Use physical pieces to solve onscreen puzzles, physical letter squares to play spelling games and a virtual drawing pad to enjoy brainteasing physics games.

Few gadgeteers are brave enough to let expensive devices go nude. When you want only the best for your beloved, wrap it in something handmade from Portenzo.

With design features such as intellistand, hidden power button and integrated stylus compartment, the quality covers are sure to please everyone.

Check out the Alano wallet case, which uses magnetism to brilliantly join phone case and wallet. In the world of portable Bluetooth speakers there is a battle between size and sound.

TDK A33 represents a masterfully executed compromise. While pockets and purses increasingly enjoy the company of our gadgetry, the human wrist conversely has been neglected.

People wear watches in drastically reduced numbers — and usually as a fashion accessory. Beginning early next year, Apple hopes to change that when it introduces its tiniest tech to date, the Apple Watch.

I think the reason is that current i-products have connection to the Internet — either through Wi-Fi or cellular connectivity. Instead, it likely will rely on an iPhone to supply link via Wi-Fi and Bluetooth.

Android, Windows and Blackberry users are expected to switch sides. So, what does the Apple Watch do? When text messages, emails and phone calls come into your iPhone, they are beamed onto the watch.

The fundamental interaction with Apple Watch is through its Digital Crown. This is an ultra-modern version of the tried-and-true dial on the side of traditional watches.

You know the old-school dial. With the Digital Crown, Apple honored some of these same ideas, understanding that an information-rich display as small as a watch face largely would be obstructed if navigation relied solely on finger input.

The OLED display is touchbased. Apple Watch will detect the difference between a gentle tap and deep press. For example, tapping play on the screen will signal your iPhone to playback your favorite track.

But, a deep press will activate a second menu with options such as volume, repeat, shuffle, genius mix, etc. However, the watch boasts unique features.

The first is Digital Touch, a novel way to communicate with your contacts. Instead of placing a call or sending an email or text message to a contact, Digital Touch allows you to draw them a picture or send canned graphics and gestures: Apple Watch also measures your heart rate using sensors built into the skin side of the device.

While this powerful feature may one day reshape the way we monitor our health in a big-picture sense, its current implementation is aimed at fitness buffs who want to know exactly how they are performing.

Apple Watch will have a light-weight Sport model and an 18k Gold Edition model to accompany the entry-level model. All will be water resistant and have scratch resistant displays and all may be outfitted with bands made of everything from plastic to leather to stainless steel.

Two sizes will be offered to address his and her needs. Apple perfected the MP3 player in , reinvented the smartphone in and nailed the tablet in With those bases loaded, will Apple hit a grand slam with a wrist watch?

Only time will tell. Save a property or your entire search. Share what you fin! Send a text or email.

Visit our supporting websites online. Dusty learns that his gear box has been permanently damaged and that, to his shock and dismay, his racing career is over.

He finds a new passion when he joins a fire response team and summons the courage to battle massive wildfires. Ferrell immediately fell in love with the idea of taking a negative situation and making something good out of it.

But when he came out on stage in costume, he had this dynamic energy. He landed a few small acting roles, but not as many as he had hoped. It came to a point where he hated going to auditions.

He began to face the painful reality that his dream of having a successful acting career was not going to happen.

It is a great movie with a great message. Life is full of opportunities. Then Disney, the most successful animation company in the world, came calling.

Ferrell was put in charge of one of the most highly anticipated Disney sequels in years. Liz Murray, the oldest daughter of two heroin addicts living in the Bronx, tells of her harrowing struggle to not only survive but thrive despite her childhood.

Starving, dirty, and neglected, she was made fun of every day when she attended school, so she just quit attending. Her mother acquires HIV and leaves her father, upsetting any kind of normalcy to which Liz might have clung.

To avoid being sent to a group home, Liz took to the streets, panhandling and hustling for money and food.

Having only a few high school credits to her name, Liz applied for a special high school program that enabled her to graduate in just a few semesters and she credits her teachers there for recognizing her potential.

The book is wonderfully written and completely absorbing, a true testament to the human spirit and the American dream. There is a call on our generation that must be answered by us collectively.

I always feel changed when I read her books. Will this finally be the last straw for her longsuffering hubby Luke?

Stop wishing, and start planning. While developing a customized financial program, we will walk you through a step-by-step process that will help make you feel confident in your decisions.

Tax management Investment Management Retirement strategies Estate conservation Insurance and annuity products. Thank you, and have a happy Thanksgiving.

Fears Energy Associates, Inc. Do you love looking at beautiful Christmas light displays? Here are a few favorites sure to make your holidays cheerful and bright.

Lights illuminate the downtown district and Cane River Lake at Natchitoches, Louisiana, a city that celebrates the season with its Christmas Festival and Festival of Lights.

Thousands of white lights illuminate the historic Harrison County Courthouse and downtown Marshall as part of the famous Wonderland of Lights celebration.

Hundreds of life-size nutcrackers are part of the Christmas displays in Minden, Louisiana. The city observes the holiday with fireworks, parades, concerts and tours of its historic downtown and residential districts.

Includes sole investors and partnerships. The act of developing, growth, progress. Includes development for hire fee based , partnerships, and sole development with intent to sell or lease property.

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Tyler is the largest city in East Texas serving as the economic driver to many of the counties situated between Dallas and Shreveport.

With nearly , people residing in the retail trade area stretching from Lufkin, Mt. Pleasant, Marshall and Kaufman, I have watched Tyler become a destination city in my 30 years in commercial real estate, resulting in a thriving economy with distinct appeal to businesses of all sizes.

What does commercial mean to you?! I am grateful for my Godgiven role in the commercial real estate structure of East Texas, as it is not only my home, but my focus as I continue to operate with honesty and integrity while broadening my scope to a growing regional territory with national and global aspirations.

Rediscover the Get ready. Wonderland of Lights Now enrolling for fall. At Mathnasium we help kids in reach their potential in math with teaching in a way that makes sense to them.

Kids leap way ahead — whether they started out far behind or already ahead in math. We make math make sense.

The setting captures the down-home, folksy charm of East Texas. The two-hour music showcase is held each Saturday night in the Cozy Theater, a converted movie house in downtown Gladewater built in Since the s, thousands of entertainers, including the late great Elvis Presley, have performed there.

Jim and Nancy Ivy have operated the Gladewater Opry since Guitar-playing Jim performs on stage with the house band and Nancy books the talent behind the scenes.

Nancy makes it clear that she and Jim work as a well-oiled team. East Texas native Kasey Musgraves, one of the hottest country music singers today, started out at age 9 singing on the Opry stage.

Young hopefuls audition at 4: Fourteen-year-old Summer Presley was one of the recent hopefuls. It makes me feel special. It makes me feel like I have something to do in the world — like I.

Performers Adele Little of Garland, who looks and sounds younger than her 65 years, has been singing there since Four years later she won its Female Vocalist of the Year award and then took a year sabbatical from music.

The call of the stage drew her back. They welcomed me back with open arms. People come to the Gladewater Saturday Night Opry to sing for tips and the thrill of performing for others.

Family Entertainment The Opry prides itself with being wholesome family entertainment. The people who come out to hear the show all have a great time.

For her, the music is more than something to merely sit back and enjoy. If you want a bang for your dollar, this is the place to come on a Saturday night.

Leading-edge cancer treatment is available right here in East Texas. Betty Crain felt overwhelmed when she was first diagnosed with breast cancer.

But after she visited. As a working rancher, Jackie. We're proud to announce the addition of Heartland Hams. This Holiday Season, delight friends and family with a special delivery of our honey-glazed spiral cut hams.

Each ham comes sliced and packaged to preserve Stay out —— quality and flavor. Ourthe hamskitchen will melt in your Stay out of of the kitchen mouth with each bite.

We provide shipping out do cooking! Call to order or view our menu on our website. Texas Oncology, she immediately felt more at ease. We have sixteen providers, seven physicians and nine mid-levels.

Villena is board certified in Internal Medicine and has been in practice for over eleven years in Tyler. Robin Villena is a board certified Family Nurse Practitioner, and has over ten years experience as a registered nurse here in Tyler, which includes critical care and outpatient services.

Villena and Robin Villena, FNP-C, offer new and same-day appointments, lunchhour appointments, well woman exams, and provide care to adult patients suffering from a wide range of illnesses and diseases, from the very common to the very rare.

Tyler Internal Medicine offers a full array of services, which include, but are not limited to, laboratory testing, ultrasound, MRI, X-ray, cardiac and lung function testing under one roof.

Medicare and most commercial insurances are accepted. At a Christian concert in Tyler, they stopped at a booth manned by Compassion International and decided to participate in its sponsor-a-child program.

They also began volunteering at a homeless shelter in Dallas. We were so heart-broken for the poor that it was really hard to go back to selling RVs, luxury items, as our job.

The poverty shocked the Marshalls. But the people were loving to us and the reality of it all blew our minds. Here, we are so resource-rich and spiritually poor.

They were the opposite. They did everything to be hospitable and to share. And we bought lots of souvenirs. When the Marshalls returned home, they felt even more disconnected from their lives as RV dealers.

But we felt hopeful about trying to figure out a way we could help those in poverty. We believe we are just like you who are less fortunate.

We wanted that joy. We had the idea that these people create beautiful things but have no one to sell to, and that maybe we could help them somehow, in a business way.

The owner of the store, Sphere of Influence, told them that it is a Fair Trade establishment. It was the outlet the Marshalls were looking for to use their business skills to do good.

The night before the first sale in October , Tammy was worried. What if nobody buys anything? They sold the merchandise and shared stories about Fair Trade.

They continue to sell at First Monday. In addition to the First Monday sales, the Marshalls created a website cometogethertrading. Two years ago, they opened their brick-and-mortar store, Come Together Trading, at E.

The Marshalls now represent more than small artisan groups in some 40 countries. We want to establish long-term relationships with these artists.

It is an honor to purchase their goods, to share their stories and products with the world. We are equals engaging in trade.

It helps us and it helps them. To be part of helping them improve their lives is an honor. The Marshalls as seen in their Come Together store in Tyler.

Join the chorus and get in the holiday spirit as eight of our most festive cities have decked the halls just for you and your family.

Brilliant lights, great food, awesome music, festivals, fireworks, home tours, and parades as only we can do. Here is a list of signature events: Make your home safer Make your home safer this holiday season.

The LiteRise cordless season. Right now, take advantage of Hunter a select purchases. Visit covering safety tips, windowcoverings. Serving EastforTexas since Please call an appointment.

Chandler TX Please call for an appointment. All trademarks used herein are the property of Hunter Douglas. Thinking about building a pool? Now is the time to get started on your plans.

Winter months will be upon us soon, and you will be impressed with the savings passed on to you during these times.

Clothing and jewelry provided by bridgette's boutique and harley's. Black scalloped print dress by dvf. Luigi Bianchi Mantova Tie: Her Jacket by DVF.

Jason and Jenni Holman Shirt: Sebastien james; sport coat and pocket square: Exclusive for bridgette's; Blouse: Let us help you get ready for the holidays.

For you or someone very special Available in 14K yellow, white or rose gold with 2 carats of exquisite diamonds.

Allow 4 weeks for delivery on custom orders. Silver Bells, Silver Bells, it's Christmas time in the city. Silver and shine are everywhere this holiday season!

Fashion is shining with glittering silver and gold jewelry accents and statement necklaces that reflect the soft glow of candlelight.

Nails are short but bright with shades of crimson or russet accented with glitter. Holidays soirees call for perfect outfits for young and old and men and women alike!

This is the time to experiment with looks. Polo Ralph Lauren has a great one in heather gray. Ladies, go crazy with a fun pair of heels!

So have FUN with it. I am all about the vintage fashions this season has in store for me — I mean us. Preppy patterns are peppered everywhere.

From houndstooth to argyle and plaid, playful patterns are found on everything from wedges to leggings. I think Express nailed it with its red high waist houndstooth skirt.

Pearls of Wisdom Whenever I think of pearls, I think of a true classic but fashion this year is making it so much more than that!

This classic look has become almost edgy. Whether in earrings, necklaces or bracelets, pearls have been haphazardly woven into runway looks featuring leather, corduroy and even denim.

Anything goes, so experiment with your own looks. The hustle and bustle that comes with the joys of the holiday season can bring stress. Thankfully, fashion is a joy with so many colorful options.

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Friday, November 14 Noon - 8 p. Saturday, November 15 9 a. The bow and the beautiful. All , whole sizes only. These products contain real fur, genuine shearling, from Sheep or Lamb.

Australia, European Union or United States. These products are imported. We wanted to make shopping easier for you.

Take a look at these local gift ideas, perfect for your friends, family or co-workers. Promise Hill Farm was born from the spirit and passion to provide you with pastured chickens, eggs, pork, and natural fed beef without the use of pesticides and growth hormones.

All of our animals are treated with the care and respect God has commanded of us. Mix and match and stack them to achieve the perfect look!

Cute baby clothes and gifts. Bridal and Baby Registries. Sandwiches, salads, soups daily. Assorted trays for special events.

Give Gifts That Give Back! Unique handcrafted items from over 40 countries around the world. All items are handmade and Fair Trade.

Every purchase makes a world of difference! Every Premium Pound Cake is packaged in its own yellow and white striped box with a blue ribbon.

Choose from ten different flavors. The ultimate upgrade on a holiday tradition! All natural, madefrom-scratch using only the finest ingredients.

Our signature Cinnamon Creme Cakes are swirled with ribbons of cinnamon and topped with crumbly cinnamon streusel and powdered sugar.

Gift wrapped for the holidays, our Cinnamon Creme Cakes are the sweetest way to send good tidings. For all of your holiday parties, make it perfectly delicious with Corner Bakery Cafe Catering.

Choose The Luscious Crumb for all of your holiday gifts. Who doesn't love treats! Cookies made with real butter, gourmet fudge brownies, scrumptious flavored breads, and homemade fudge.

We can package on trays for parties or in boxes or gift baskets. We also do corporate gifts for your clients and vendors! Welcome to Off the Wall Gift Store.

Conveniently located in the Historic Bergfield Center in downtown Tyler. From fun and casual to Sunday dress, we specialize in clothing for boys sizes preemie through 20!

We have unique items for boy's best friend, sister, mom and dad too. Try some of our irresistible, fresh baked desserts today. We make all our own wooden gifts from trees we cut, dry and mill ourselves.

We can engrave on any of our cutting boards or coaster sets. For the person on your list who has it all, come by Gum Creek and pick up something truly unique.

Sister2Sister Cookies are made using the finest ingredients, scooped by hand and baked fresh daily. Our cookies are packaged in a beautiful red box or tin and can be picked up locally or shipped anywhere in the United States.

Based on Jeremiah 1: The natural Patina process results in each pendant being unique — like a tiny piece of art.

My daughter laughs at me when I say it. Rhonda says they were inspired in by a Southern Living magazine showcase home they visited years ago.

They fell in love with the great room floor plan that allows them all to be together in the same open space. Rhonda says it is especially important for her to be able to prepare the family meal while enjoying others in the connected living room.

The great room features a towering pitched Cathedral ceiling with sturdy exposed beams. It creates the feeling of a Hill Country lodge.

On the opposite side of the room from the large windows are a series of columns made from the same stone in the fireplace and.

The floors are hardwood, of course, and large floorboards and crown moldings frame the walls in a deep chocolate color. The warm palette of browns and tans is carried into the kitchen with granite countertops and into the living room with large couches and chairs covered in leather.

Rhonda loves her kitchen — especially the amount of storage under the large kitchen island and the shelving that reaches almost to the ceiling.

The Walkers worked with Kurt Johnsen, a builder in Lindale, to create their country dream home. He really listened to us," says Rhonda.

She says she likes to keep decorations simple and rustic. At the end of the day, Rhonda insists that her home must be a place where people are at ease and can enjoy the comforts of its rural surroundings — a place not unlike a Hill Country lodge sitting atop a hillside.

With brightly lit trees adorned from top to bottom with colorful balls and fireplace mantels draped with layers of tinsel, ribbon and garland, East Texans celebrate this season of joy and giving in grand style.

David White, who has been photographing homes in the Tyler area for years, shares these images of holiday splendor.

Harvey Personalized Calligraphy Available. Stocking Stuffers 9 03 -l 5 9 2 - Front www. Miller eldom has a secret been kept so well for so long.

Documents brought to light in show that during World War II the United States military used the talents of set designers, sound technicians, painters and producers.

Artists helped save the world! Just when Hitler seemed unstoppable, the American soldiers in the tactical deception unit proved to be the ultimate secret weapon.

At first they were used to successfully camouflage essential installations our military needed to keep secret. The Ghost Army then created entire fake military installations that made the enemy think we had gained a foothold in new territories.

Fake installations made from tree limbs, painted canvases and even rubber tanks were created overnight and misled the Nazis. The tactic of using deception to create focal points worked beautifully.

Focal points capture attention, draw the eye into a space and reveal what you want to show. In design, color is useful in achieving focal points.

Another way to create a focal point is using a dominant piece of furniture, architectural element or art. The Project fireplace makes the perfect focal point for any room.

It is easy, effective and inexpensive. Most of the materials I used were salvaged from the trash. Others were given to me. You need five long, strong boxes.

The sizes of the boxes will determine the size of the fireplace. The photos show the boxes I used. I placed it on its side.

It stands 12 inches tall. This is where the logs would go. Next, I took two tall boxes, each the same size, and stood them on one of their ends to form the sides of the faux fireplace.

Never use anything with a flame near this project. Instead, use electric faux logs sold at home stores.

In my fake fireplace, I placed an inexpensive flat-screen television and on it play a DVD of a burning fire complete with the sounds of crackling logs.

Heat is the only thing missing. I made another faux fireplace using a wooden shelf and topped it with more wood. Remember, fireplaces come in many styles and sizes.

You could even use recycled speakers from a thrift store. Place the open side to the back. A faux fireplace makes an impressive focal point.

It was said that during World War II two farmers saw some of the soldiers of the tactical deception unit pick up one of the fake rubber tanks.

Judy Kunzman began selling real estate in the Tyler area in What started out as a part-time hobby turned into a full-time career! She has been one of Tyler's top producing realtors for over 18 years.

She has earned and received many prestigious awards but what she enjoys most is helping others. This has truly shown in her real estate career.

If you have ever met Judy, you know she brings an extra amount of energy and passion to your world! Her husband, Kurt, acquired his license 14 years ago to assist with the demands of a growing business.

Today, The Judy Kunzman Team is represented by five real estate agents, in addition to Judy and Kurt, and a full-time staff. At this time in her career, Judy would like to share some of her real estate expertise with East Texas home buyers and sellers.

Now, let's talk about why you need a real estate agent! Would you jump out of a plane without a parachute packed by a professional?

Or would you invest your life savings on the "flip of a coin? A realtor is here to assist you and provide knowledge, expertise and direction in purchasing or selling your home.

No longer are we in the day of "shake your hand," "we have a deal," one-page contracts. Today, buyers and sellers are bombarded with more than 20 pages of legal documents that the consumer is expected to understand.

Through their training and understanding of the documents, realtors will guide you through this process and.

This should be a good reason to hire a realtor! Next, let's talk about "bang for your buck! Who knows the market?

A good realtor will know the current market values in your community. Realtors have access to the tools to determine current market values based on comparative market analysis.

This serves both the buyer and the seller alike. The real estate professional will run the numbers and share these with you so that you can make an informed decision.

Finally, this transaction is more than just showing a home, writing a contract and negotiating a price. Realtors are instrumental in completing this process as smoothly and professionally as possible while putting you, the consumer, in a home.

This can include assisting you in the pre-qualification process with a lender, coordinating showings of properties, arranging inspections by qualified, licensed inspectors, and scheduling closings with the title company.

As you can imagine, this can be a very overwhelming experience without the assistance of a professional real estate agent that cares.

You deserve a wonderful experience! Judy wants to continue sharing her knowledge and expertise with you to make your buying and selling process more enjoyable.

Judy Kunzman was born and raised in Tyler. She is married to Kurt Kunzman and they have two daughters. Judy has been selling real estate since She decided to enter the real estate field because she has a natural desire to please and assist others.

Her enthusiasm and upbeat attitude has been one of her strongest assets. It has schools, a main drag and plenty of fast-food restaurants.

What makes the town different is that it is home to Antlerworx — a business that is anything but typical. Anterworx crafts one-of-a-kind, highend Western Americana furnishings — chandeliers, lamps, mirrors, sconces, accessories and furniture — made from antlers, wood, leather and animal hides.

Its products typically sell for thousands of dollars and are in demand by celebrities, collectors and owners of lodges and stately homes that want items that are rustic and unique.

Antlerworx buys the discarded antlers in bulk by the pound. Austin State University in , Shaun was inspired to work with antlers by a friend who owns a company called Little Big Horns.

He learned from his friend how to assemble lighting and accessories using the distinctive protruding horns of elk, fallow, mule deer, moose and white tail.

In , Shaun founded Antlerworx in the backyard of his home. He started by shaping antlers into decorative lighting fixtures.

Eventually he bought out a furniture maker and began designing other pieces of home decor. Eleven years later, he is enjoying the success of his labor heading a company that attracts highend customers.

Acquiring antlers is one thing. Knowing how to fashion them into custom-made furnishings that become the centerpiece of a room is another. From the White Oak facility, Cox leads the team that creates, packs and ships the pieces.

He makes sure everything gets out on time. The team typically can put out two to three chandeliers a day — but that all depends on the size of the piece.

Some of the lighting fixtures are huge and involve working with multiple sets of antlers. Among the pieces for sale on the company website is a towering double-tiered elk and mule deer chandelier that measures an impressive six-feet high and six-feet wide.

They create functional art that is beautiful. Because every horn is different and unique, workers must have a good eye for symmetry and color in positioning the antlers and incorporating the functional elements.

None of the antlers are wasted. Josh says Antlerworx can incorporate horns into just about any piece of home decor.

If you teach a man to fish, you feed him for a lifetime. The sun is not yet up and the dew is thick on the grass outside.

Unlike some teenagers who are in bed recuperating from the house party they attended the night before, A. Palmore, with his father by his side, is preparing for another fishing tournament.

Today, they will be on the water well into the afternoon, searching for largemouth bass. The student organization was founded in November of by father and son, Darren and Ryan Satterfield, and Jordan Lemley.

The founders said that they recognized the need to create a club that was not typically found in most high schools — one that. This fishing team is the only one of its kind in the Texarkana area.

Since its founding, the team has grown consistently. Its members share a great interest in fishing. Some of the club members are new to fishing but many have been fishing for much of their young lives.

Member Austin Cutchell says that through fishing, he has grown closer to his father and friends.

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