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Customers seeking financial advice are finding that their traditional sources of expertise – individual financial advisers (IFAs) – are disappearing. The average IFA is more than 50 years old and Mr Hargreaves said many IFAs are opting to retire rather than take exams required under new regulations. High street banks are also turning away from customers with funds below £100,000 due to cost pressures. This, to borrow sporting parlance, means the playing field is opening up. Changes to fee structures are also disrupting the market. The old model of signing a customer up to an investment fund and collecting commission has gone under part of the retail distribution review (RDR). IFAs will have to charge an hourly rate or declare fees up front. Again Mr Hargreaves believes some IFAs have chosen retirement on existing pension packages built on previous commissions.
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The RoboSub competition is an extension of the ONR-funded program SeaPerch, in which students build an underwater remotely operated vehicle while learning about science, technology, engineering and mathematics.
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The case captivated China for months, even more so than the dramatic trial of ousted former senior politician Bo Xilai, and has drawn fresh scrutiny to political aristocrats - called the "second-generation rich" or "second generation of officials" - who are widely viewed as corrupt.
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Nearly half of the money raised in the new campaign will support teaching and research, while a quarter will go forfinancial aid and related programs. The rest will go towardcapital improvements and a flexible fund, according to Harvard, recently ranked America's No. 2 university behind Princeton byU.S. News & World Report.

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