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Articles by John Somerville
Cold stress and outdoor workers: Safety considerations for your patients
Canada has a severe winter climate, and the cold weather presents risks to your patients who work outdoors. According to the Canadian Centre for Occupational Health and Safety, many occupations particularly at risk of cold-exposure injuries are in the construction, utility, and transport industries, and in emergency response.[1] Discussing the health risks of cold stress with at-risk patients and providing guidance may help prevent cold-exposure injuries.
Advice firms ‘only as strong as their back-office’
Advice firms have been reminded about the need for a strong back-office team and the important role paraplanners play in the success of their business. The call was made by national financial advice firm Continuum as paraplanners across the UK take time out to attend Paraplanners Assembly Big Day Out. Continuum said building a strong back-office team can help advice businesses with their growth strategy.
FCA bans two advisers and their partner firms over high-risk pension transfer
The FCA has issued a lifetime ban to two financial advisers and their partner firms over pension transfers that involved high-risk investments in West Africa. They were said to have put in place an advice model that left hundreds of customers out of pocket. The advisers were named as Adrian Douglas and Liam Martin, while Frank Oxberry and Alec Cuthbert were partners at St Martin’s Partners LLP (SMP).
Royal London unveils specialist equity release advice service
Royal London has launched a whole of market specialist equity release advice service for customers. The service will help consumers access specialist advice to support their desired standard of living and ambitions in retirement. It will offer access to equity release and other later-life lending products, such as retirement interest-only mortgages.
Aligning SFDR and SDR to combat greenwashing
As regulatory measures in the UK and EU tighten to combat greenwashing, the financial sector faces an increasingly complex set of obligations, led by both the Sustainable Disclosure Finance Regulation and the Sustainable Disclosure Requirements and Investment Labels.
Foster Denovo expands presence in Scotland by snapping up Glasgow-based advice firm
Foster Denovo has acquired Glasgow-based financial advisers Rosemount Asset Management. The deal is its fourth acquisition in just 12 months and a “significant first step in realising its strategic ambitions for Scotland”. Rosemount Asset Management was established by Raymond Pirrie in 2010. The team consists of three advisers, Jon Sweeney and Graham Scott, and four support staff. Together, they manage over £200m in assets for 571 households throughout Scotland.
John Somerville: Closing the advice gap (and others)
Male life expectancy in the UK is now nearly 20 years higher that it was in the middle of the last century. A 60-year-old man in the UK today has an average life expectancy of 85. For 60-year-old women, its 87. That’s the good news. The bad news is that, though many can now expect to spend nearly 25% of their life in retirement, only a minority have a defined benefit pension scheme to fund that. The upshot?
Comment: Certification will raise standards in protection
With redundancies and the other impacts of Covid affecting households around the country, financial resilience is in the spotlight now more than ever. Only 50 per cent of households with mortgages have life insurance and the numbers are falling. When you consider that almost 11m households in the UK have mortgages, that’s a lot of households that potentially have no protection should the worst happen. More worrying still, only 9 per fcent of consumers say they have some form of income protection.
Daily Legal News
Domestic Relations 381596 Date Filed June 23, 2020 Case Number DM 381596 Judge Plaintiff Filed by. John Somerville 2200 Kerwin Road, #312 Plaintiff's Attorney Defendant Gabrielle Somerville 479 Bird Street Wadsworth OH 44281 About your information and the public record.
Rochester Rotary Clubs Up for Mental Health Initiatives
This post was contributed by a community member. The views expressed here are the author's own. Neighbor Posts In 2019, the Rochester Rotary Club's annual Charity Golf Outing will go specifically toward local Mental and Emotional Health initiatives.
Rochester Community Cookie Walk
Rochester Rotary Club Rochester Community Cookie Walk This post was contributed by a community member. Join the Rochester Rotary Club at the OPC on Saturday December 15th from 10am-1pm for the 2nd Annual Cookie Walk. Dozens of Rochester individuals and families have lovingly baked thousands of homemade cookies of every shape, color, and flavor. The bakers have been carefully chosen and personally invited to participate, so all the treats will be made with TLC and a great deal of pride.
Brands in the digital age: A decade of McDonald's 'I'm Lovin' It'
This article discusses how McDonald's, the fast food restaurant chain, uses technology in its marketing whilst maintaining core values. Brands in the digital age: A decade of McDonald's 'I'm Lovin' It' John SomervilleDDB Chicago Apps, mobile, QR codes, digital outdoor and geo-targeting are among the communications used by McDonald's to sustain and build its brand in the digital age. Successful...
B cell subset biology in a tumor microenvironment model
The high myeloid to lymphoid ratio of cultured peritoneal cavity (PerC) leukocytes can serve as an in vitro model to study the tumor microenvironment (TME). C57BL/6J PerC T cell responses to TCR ligation (anti-CD3) and mitogen (ConA) are suppressed in these cultures. Likewise, the PerC B cell response to BCR (F[ab’ ] anti-IgM) and TLR4 (TLR4L/LPS) ligation are suppressed. T cell suppression can be liberated by neutralizing IFNγ or by blocking iNOS with 1-methyl arginine.
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