Tatton Asset Management will set its sights on advisers’ unwanted discretionary fund management businesses in the

Tatton Asset Management will set its sights on advisers’ unwanted discretionary fund management businesses in the new year as the firm plans to increase its funds under management. Chief executive Paul Hogarth said Tatton would be looking at more merger and acquisitions in 2020, noting he was especially keen on the DFM businesses set up by IFAs who “may have thought it was a good thing at the time”. He said: “We do see an opportunity with smaller, subscale DFMs. We see the opportunity to buy from those IFAs who set them up so we will be focusing on that.” A number of IFA firms have gained DFM permissions from the regulator over recent years, but the costs of doing so and the work involved can be considerable. Tatton completed its first acquisition last month when it bought Tenet subsidiary Sinfonia Asset Management, a move which Mr Hogarth described as “complementary” to the direction of the business. In its six monthly results, published to the stock exchange today (November 11), the on-platform DFM reported its assets under management had increased by 22.8 per cent on the same period last year, to £7bn.  The results also showed average Aum inflows were about £73m per month wh...

Faced with the shortest holiday shopping season since 2013, retailers are trying to figure out ways

Faced with the shortest holiday shopping season since 2013, retailers are trying to figure out ways to get into the minds of shoppers sooner. Walmart, for instance, began offering holiday deals online for toys, TVs and mini trampolines nearly a week before Halloween. And the owner of Zales and Kay Jewelers said it spent more on advertising between August and October. Target Corp. says it’s spending $50 million more on payroll during the fourth quarter than it did a year ago so that there’ll be more workers on hand to help harried shoppers scrambling to get their shopping done in a shorter amount of time. “This is going to be a very compressed holiday season,” Target’s CEO Brian Cornell told reporters during last week’s holiday preview in New York. “We lose one full weekend during the holiday. Every single day counts, from Black Friday to Christmas Eve.” Steve Bratspie, who oversees Walmart’s merchandise in the U.S., says shoppers will likely not realize there’re fewer shopping days this year until it’s too late. Thanksgiving falls on the fourth Thursday of November. In 1939, at the tail-end of the Great Depression, President Franklin D. Roosevelt changed Thanksgiving to the thir...

The different types of magnesium & what you need to know

Magnesium is all the rage right now, and for good reason. Nutritionist Adrienne Dowd, RD, of Parsley Health explains, “In general, magnesium is a mineral that is an essential nutrient, meaning we cannot make it ourselves and must get it from food or supplements. It’s important for bone health and energy production, among other things. Most people don’t get enough magnesium in their diet and are, therefore, deficient.” To make matters worse,  magnesium is also depleted by common health enemy No. 1: stress. Low levels, Dowd warns, can be ruinous to your health. “Chronically low intakes of magnesium can induce changes in biochemical pathways that can increase the risk of cardiovascular disease, type 2 diabetes, osteoporosis, and migraine headaches.” Luckily, it can be replenished via foods rich in magnesium—pumpkin seeds, Brazil nuts, almonds, cashews, halibut, tuna, quinoa, buckwheat, spinach, and certain beans, according to Dowd—or, more efficiently, via supplements. But before you “add to cart” (or toss in your actual cart at the vitamin store), it’s important to understand the various types of magnesium, and what each is meant to accomplish. Surprisingly, there is great diversi...

Commission adopts EU restriction on TDFAs in sprays

12 June 2019 / Aerospace, automotive & engineering, Alternatives assessment & substitution, Europe, REACH, Substances of concern The European Commission has adopted an amendment to REACH Annex XVII which imposes a restriction on (3,3,4,4,5,5,6,6,7,7,8,8,8-tridecafluorooctyl) silanetriol and any of its mono-, di- or tri-O-(alkyl) derivatives (TDFAs) in spray products. The substance must not be used in the products, such as aerosol dispensers and pump sprays, supplied to the general public after 2 January 2021, in a concentration equal to or greater than two parts per billion by weight of the mixtures containing organic solvents. Additionally the products must be marked “for professional users only” and “fatal if inhaled” with the pictogram GHS06. This Regulation enters into force 20 days after its publication in the EU’s Official Journal on 11 June. © CW Research Ltd. You may circulate web links to our articles, but you may not copy our articles in whole or in part without permission Microfine Titanium Dioxide CORRECTIONS: We strive for accuracy, but with deadline pressure, mistakes can happen. If you spot something, we want to know, please email ...

Graduating Secured Credit Cards to Full Featured Products

In Mercator Advisory Group’s research on secured cards, we noted how the market changed since the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act) eliminated a series of unfair practices. Before the regulation, the market was filled with hard money lenders who took advantage of borrowers with sky-high interest rates and even worse junk fees. Things like application fees, activation fees, and risk fees tainted the product. The CARD Act cleaned up the business, and now top lenders, from Bank of America, Chase, Discover, and US Bank, offer worthwhile cards, with interest rates ranging from 11.65% to 24.99%, and reasonable, in-range fees.  Mastercard and Visa also came out with more rigorous standards for their franchisees. We peg the U.S. market at almost 5 million cards today, with the potential to embrace 500 percent more, given the number of low-banked, underbanked, and unbanked in the market. Working in credit for decades often brings friends and acquaintances with questions about “what is the best card for me to get?” Many times my answer is something along the lines of a Chase Freedom card, which I like because it carries an excellent reward str...

9 min read. Kondele neighbourhood in Kisumu is famous and infamous. It is a place torn

9 min read. Kondele neighbourhood in Kisumu is famous and infamous. It is a place torn between its cultural richness and vibrancy, as well the lurking darkness of violence. You can almost feel it. Kondele neighbourhood in Kisumu is famous and infamous. It is a place torn between its cultural richness and vibrancy, as well the lurking darkness of violence. You can almost feel it. “Kondele inachomeka” (Kondele is burning) are two words that have been communicated in texts and calls amongst the residents of Kisumu more than any other during election cycles. These words have ominous foreshadowing of blood loss, violence, death and destruction. And news of riots in Kondele with accompanying images of tyres burning and riot police chasing demonstrating youths, always delivered in a matter of fact way, has been one of Kisumu’s greatest infamies. I have received quite a number of “Kondele inachomeka” messages on my phone. I have become accustomed to the weight of meaning in these messages. When I receive these messages, I know to prepare. I know it will take me longer to travel between Kisumu central business district and my house on the other side of town. I also know that people trave...

Modern Marble Transformed This 19th-Century Newton Master Bath

If you’re a human and see this, please ignore it. If you’re a scraper, please click the link below Note that clicking the link below will block access to this site for 24 hours. What do you do when you want a master bath that feels like a true oasis? Deck the whole thing out in marble, of course. When a couple with four kids moved into a late-19th-century Newton manse, they inherited a cramped, dated master bath that felt at odds with their more-modern tastes. Slocum Hall Design Group’s David Boronkay decided to transform the master suite’s old-school sleeping porch, which boasted views of the Boston skyline, into a large, sunny bathroom. But first, the team needed to reframe the floor to ensure the space could bear the weight of the tons of Statuario marble they’d be installing throughout. With the structural supports in place, Boronkay then added a shower roomy enough for two, as well as twin vanities with chinoiserie-inspired legs and silver-plated sinks, faucets, and custom mirrors. The overall effect? “Clean and modern” but with traditional elements “that also pay homage to the antiquity of the house,” Boronkay says. Bathroom Vanity, Bathroom Cabinet, Bathroo...

SIDS prevention: Important sleeping tips to keep your baby safe

“Worried that your baby may need extra bundling? An easy way to test is to touch your baby’s ears.” Did you know this? After the launch of the Back to Sleep campaign in the US in 1992, SIDS-related deaths dropped dramatically… until 1999. Tragically, over the past 20 years infant sleep deaths have remained stubbornly stuck at about 3600/year. But why? With all the “smart” baby gadgets of today you would think this number would remain low. The problem is that more and more exhausted parents are being tempted to engage in unsafe sleeping practices… like bed sharing and letting babies stay asleep in their car seats. Providing a safe sleep environment is the single most important step you can take to reduce your baby’s risk of SIDS. But it is only one important step, out of many: Only put your baby to sleep on the back, in a safe location. Never let them sleep on a couch, recliner, sofa, armchair, beanbag chair or waterbed. (SNOO is the only bed that ensures babies stay on their back while sleeping.) Sleep in the same room as your baby for the first six months. Place them in a bassinet right near you. Being very tired gives parents the same brain impairment as being drun...

We take the everyday materials of engineering for granted, as ubiquitous components rather than as complex

We take the everyday materials of engineering for granted, as ubiquitous components rather than as complex items in their own right. Sure, we know that an integrated circuit represents the pinnacle of a hundred years’ development in the field of electronics, but to us it’s simply a black box with some wires. Even with more basic materials it’s easy to forget the work that goes into their manufacture, as for example with the two videos below the break. They both take a look from a very different angle at the creation of the same product: metal chain. However, the approaches couldn’t be more different as the two examples are separated by about a century and with vastly different techniques and material. The first film follows the manufacture of the chain and anchor that would have been found on a ship around the turn of the twentieth century. One of the text frames mentions Netherton Works, allowing us to identify it as being filmed at N. Hingley & Sons, a specialist anchor and chain manufacturer based in the area to the west of the English city of Birmingham known as the Black Country. It’s a window on a manufacturing world that has entirely disappeared, as large gangs of men...

Market Insights of Aluminum Composite Panels Market by Top Key Players, Size, Drivers & Market Dynamics Forces 2024

Aluminum Composite Panels market report examines the short-and medium-term economic and profitability outlook for Aluminum Composite Panels industry.. A comprehensive research report created through extensive primary research (inputs from industry experts, companies, stakeholders) and secondary research, the report aims to present the analysis of Aluminum Composite Panels Market. Aluminum Composite Panels market size will grow from USD 1.39 Billion in 2017 to USD 2.07 Billion by 2023, at an estimated CAGR of 6.86%. The base year considered for the study is 2017, and the market size is projected from 2018 to 2023. The aluminum composite panels market is expected to witness high growth as a result of the rising building & construction activities, large-scale investments in infrastructure & industrial sectors, and rapid urbanization in developing economies. The building & construction segment is projected to have the largest market share and dominate the market from 2018 to 2023. Growing advertisement industry plays a key role in changing the market and is projected to grow at the second-highest rate during the forecast period. Alcoa Inc. , Yaret Industrial Group , Ame...

ZURU Feeds The Dinosaur Craze With “5 Surprise Dino Strike”

LOS ANGELES, Nov. 7, 2019 /PRNewswire/ – ZURU further cements its mammoth-sized footprint with the debut of 5 Surprise Dino Strike.  The new series in the award-winning toymakers’ sought-after 5 Surprise product line follows the dino-mite success of two other dinosaur-themed lines – ZURU SMASHERS Series 3 Dino and ZURU Robo Alive Attacking T-Rex. Arriving in stores this month, 5 Surprise Dino Strike features the fun excitement of unwrapping, peeling and revealing mystery capsules. Children can unbox, build, collect, and battle a dinosaur character with custom accessories.  There are 13 different epic dinos to collect such as Pterosaur, Triceratops, Raptors and more, plus a super-rare golden fossil T-Rex.  Every Capsule includes a battling dino ready to be assembled, plus customizable accessories with interactive features including plasma rocks, ice and light bolt spear to allow kids to build and gear up each dino and level-up the battles. Available at Walmart initially, then going nationwide from January, 5 Surprise Dino Strike are for kids 4+ and available for a suggested retail price of $5.99. The best-selling 5 Surprise brand, which includes 5 Surprise Mini ...

Graduating Secured Credit Cards to Full Featured Products

In Mercator Advisory Group’s research on secured cards, we noted how the market changed since the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act) eliminated a series of unfair practices. Before the regulation, the market was filled with hard money lenders who took advantage of borrowers with sky-high interest rates and even worse junk fees. Things like application fees, activation fees, and risk fees tainted the product. The CARD Act cleaned up the business, and now top lenders, from Bank of America, Chase, Discover, and US Bank, offer worthwhile cards, with interest rates ranging from 11.65% to 24.99%, and reasonable, in-range fees.  Mastercard and Visa also came out with more rigorous standards for their franchisees. We peg the U.S. market at almost 5 million cards today, with the potential to embrace 500 percent more, given the number of low-banked, underbanked, and unbanked in the market. Working in credit for decades often brings friends and acquaintances with questions about “what is the best card for me to get?” Many times my answer is something along the lines of a Chase Freedom card, which I like because it carries an excellent reward str...

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