Swiss private bank Julius Baer sees profit slide

first_imgThe lender, which is Switzerland’s third largest listed bank, said its SFr 100m cost-reduction plan is on track, with savings expected in the second half of this year and in 2020.  Assets under management were SFr 412bn, an increase of eight per cent on the end of 2018, driven by a recovery in global stock markets.  “At the same time, we have made targeted investments in the future of our business. Julius Baer is in excellent shape, thanks to the dedication and relentless work of our staff.” whatsapp Bernhard Hodler, outgoing  chief executive of Julius Baer Group, said: “Profitability has markedly improved compared to the second half of 2018, as we saw client activity and asset valuations recover substantially.” Monday 22 July 2019 8:59 am Share Julius Baer recorded SFr 17m in redundancy costs in the first half of 2019. whatsapp Read more: Julius Baer targets £77m in cuts by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May Likebonvoyaged.comThese Celebs Are Complete Jerks In Real Life.bonvoyaged.comFilm OracleThey Drained Niagara Falls – Their Gruesome Find Will Keep You Up All NightFilm OraclePast Factory4 Sisters Take The Same Picture For 40 Years. Don’t Cry When You See The Last One!Past FactoryUnderstand Solar$0 Down Solar in Scottsdale. How Much Can You Save? Try Our Free Solar Calculator Now.Understand SolarPsoriatic Arthritis | Search AdsWhat Is Psoriatic Arthritis? See Signs (Some Symptoms May Surprise)Psoriatic Arthritis | Search AdsZen HeraldEllen Got A Little Too Personal With Blake Shelton, So He Said ThisZen HeraldLiver Health1 Bite of This Melts Belly And Arm Fat (Take Before Bed)Liver HealthDefinitionMost Embarrassing Mistakes Ever Made In HistoryDefinitionBest Selling Grills | Search AdsTraeger Blaze & American Grills On SaleBest Selling Grills | Search Adscenter_img Read This NextIf You’re Losing Hair in This Specific Spot, It Might Be a Thyroid IssueVegamour20 Stars Who’ve Posted Nude Selfies, From Lizzo to John Legend (Photos)The WrapTop 5 Tips If You’re Losing Your EyebrowsVegamourWhat Causes Hair Loss? Every Trigger ExplainedVegamour’Drake & Josh’ Star Drake Bell Pleads Guilty to Attempted ChildThe WrapRicky Schroder Calls Foo Fighters’ Dave Grohl ‘Ignorant Punk’ forThe WrapSmoking and Hair Loss: Are They Connected?VegamourHarvey Weinstein to Be Extradited to California to Face Sexual AssaultThe Wrap50,000-Plus People Want Jeff Bezos to Go to Space and Never Come BackThe Wrap Swiss private bank Julius Baer sees profit slide “The cost-reduction programme we initiated earlier this year is on track, and we will see its effects materialise in the coming months and throughout 2020, as targeted.  Hodler is set to be replaced by Philipp Rickenbacher, the bank’s head of intermediaries and global custody. The bank posted a net profit of SFr 391m in the first six months of 2019, a 19 per cent drop year-on-year but an 18 per cent increase compared to the second half of last year.  Read more: Private bank Julius Baer appoints new chief executive Swiss private bank Julius Baer reported a 19 per cent slide in adjusted net profit in the first half of the year as weak trading from wealthy clients continued.  Jessica Clark last_img read more

Uber taxi app heads to Leeds as Unite union cabbies protest

first_img whatsapp Show Comments ▼ Share Guy Bentley Uber is set to make its presence felt in the North of England with a planned launch in Leeds: the taxi app has filed an application with Leeds City Council to become a private hire operator.But even before the company had the opportunity to make its mark on Leeds transportation, a group of demonstrators Unite the union picketed outside what could be the San Francisco company’s third base in the UK after London and Manchester, where Uber operates under licenses granted by local authorities. Chairman of Leeds cab section of Unite Paul Landau complained that Uber is not “working within the parameters of what is acceptable within licensing guidelines”. He added Uber is not a “legitimate service”.A spokesman for Leeds City Council council said:The application by Uber to be a licensed private hire operator in Leeds will be dealt with as per our usual licensing policies and regulations.Any decision made will be on the basis of the relevant legislation, compliance to local conditions and the merits of the individual application. It would be inappropriate to make any further comment while a legal decision-making process is running.”Uber has clashed with a number with taxi unions and politicians in many of the 45 countries that it operates. Last week, the company was referred to HM Revenue & Customs by Transport for London (TfL). center_img Uber taxi app heads to Leeds as Unite union cabbies protest whatsapp Tags: Uber Wednesday 22 October 2014 5:15 amlast_img read more

London is the top destination for overseas technology workers

first_img whatsapp Express KCS More From Our Partners Police Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgWhite House Again Downplays Fourth Possible Coronvirus Checkvaluewalk.comRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgFlorida woman allegedly crashes children’s birthday party, rapes teennypost.comAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgKiller drone ‘hunted down a human target’ without being told tonypost.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgInstitutional Investors Turn To Options to Bet Against AMCvaluewalk.com980-foot skyscraper sways in China, prompting panic and evacuationsnypost.comInside Ashton Kutcher and Mila Kunis’ not-so-average farmhouse estatenypost.comWhy people are finding dryer sheets in their mailboxesnypost.comBiden received funds from top Russia lobbyist before Nord Stream 2‘The Love Boat’ captain Gavin MacLeod dies at 90nypost.comKamala Harris keeps list of reporters who don’t ‘understand’ her: reportnypost.comSupermodel Anne Vyalitsyna claims income drop, pushes for child supportnypost.comPuffer fish snaps a selfie with lucky divernypost.comMatt Gaetz swindled by ‘malicious actors’ in $155K boat sale whatsapp Wednesday 16 September 2015 5:07 amcenter_img Share London is the top destination for overseas technology workers Show Comments ▼ London is the most popular destination in Europe for technology jobs as the UK digital economy continues to grow.A new set of data from jobs site Indeed shows that 3.4 per cent of all overseas jobs searches are for London specifically, with the figure rising to 8.2 per cent for tech jobs.Nearly one-third of tech jobs in the UK are in London, where the average wage is £49,680, although Cambridge, with an average salary of £45,360, is catching-up.The average tech salary here still lags far behind the US, where a Java software developer is paid 47 per cent more than in the UK.The most popular job searched for is data analyst, followed by web developer.Despite workers trying to come the UK, many firms are unable to bring them in due to government’s strict rules on Tier 2 visas and immigration quota. last_img read more

Peavoy Financial Planning: Peace of mind for the family

first_img GAA Here are all of Wednesday’s Laois GAA results WhatsApp TAGSPeavoy Financial Plannnig WhatsApp Pinterest Home Columnists Peavoy Financial Planning: Peace of mind for the family Columnists By David Peavoy – 15th July 2019 GAA At Peavoy Financial Planning we play a key role in enabling people plan for and manage the risks of everyday life.We regularly see the traumatic impact that unforeseen health events can have on families.Having some form of protection in place can provide a security blanket to allow families focus on what really matters, whether this is in the form of financial protection or access to support services or rehabilitation services. Facebook RELATED ARTICLESMORE FROM AUTHORcenter_img Facebook Twitter GAA Peavoy Financial Planning: Peace of mind for the family Previous articleMoment In Time: Fun for all at Timahoe Medley DayNext articleWolfhill, Ballacolla, Spink and Mountrath among this week’s Laois Walks Festival locations David Peavoyhttp://www.peavoyfinancial.ieAt Peavoy Financial Planning we consolidate all of your family assets into one balanced program, so that you can improve your asset accumulation in less time with fewer risks along the way. You can contact me on 087-2902206 or alternatively drop me an email on [email protected] Twitter Many people think that it will never happen to them, however in reality this is not the case.A review of the 2018 claims from the 4 Largest Insurance Companies (ie: Irish Life, Zurich, Aviva and New Ireland) can help illustrate this. In 2018 alone these companies paid out just over €281 million in Life Insurance Claims and €127 million in Serious Illness Claims.Some interesting points to note:The leading cause of Life Assurance claims was Cancer followed closely by Cardiac disease.Approximately 2 in 3 Serious Illness Claims were for CancerApproximately 3 in every 4 Serious Illness Claims for Females were for Cancer77% of New Ireland Serious Illness Claims were for people aged 59 or underExamples of some specific Death Benefit claims paid:Age 39, policy 3 years in force, died from Heart Attack, €80,000 pay-outAge 38, policy 6 years in force, died from Cancer, €251,000 pay-out.Age 47, policy 5 years in force, died from Stroke, €70,000 pay-outExamples of some specific Serious Illness Claims paid:Age 28, policy 6 years in force, Cancer, €84,000 pay-outAge 40, policy 13 years in force, Stroke €100,000 pay-out.Age 50, policy 14 years in force, Cancer, €500,000 pay-outEvery year at Peavoy Financial Planning we see some serious life changing and personal challenges that our customers have to face, along with the value of having a relevant protection plan in place.By as early as next year, the National Cancer Registry anticipates that 1 in 2 people will develop cancer during their lifetime.This is one of the key reasons why we are raising the awareness today of the protection needs of the people of Laois and beyond.What to do next?We understand that nobody likes to think about the worst case scenario’s in life but we also need to counter balance that with encouraging people to protect what matters.To find out how you can put an affordable protection plan in place for you and your family please do make contact with us by phone on 087-2902206 or alternatively by e-mail on [email protected] Peavoy BA, QFA, LIAP is the Owner of Peavoy Financial Planning whose practice is based in Office 5b, Portlaoise Enterprise Centre, Clonminam Business Park, Portlaoise, Co Laois.David Peavoy T/A Peavoy Financial Planning is regulated by the Central Bank of IrelandDisclaimer: All data and information provided within this blog is for information purposes only. It should not be taken as specific advice for your situation. Peavoy Financial Planning makes no representations as to the accuracy, completeness, or suitability of any information and will not be liable for any errors, omissions or delays in this information or any losses, injuries or damages arising from its useSEE ALSO – Check out all of David Peavoy’s previous financial columns here Kelly and Farrell lead the way as St Joseph’s claim 2020 U-15 glory Pinterest 2020 U-15 ‘B’ glory for Ballyroan-Abbey following six point win over Killeshinlast_img read more

Tell clients about RESP grants

Share this article and your comments with peers on social media FAIR Canada requests relief for group RESP customers According to BMO, 76% of Canadian parents with children 18 years of age or older have not opened RESP accounts to help pay for post-secondary education. Many parents end up putting off opening an RESP because they are focused on the daily routine of raising their children, says Larry Moser, regional sales manager, BMO Financial Group, in Ottawa, and something like university seems too far away to worry about. More clients would be likely to open an RESP, according to BMO, if the various government benefits were properly explained to them. For instance, study results show that 37% of Canadian parents are unaware that the government provides a grant of up to $500 for the first $2,500 contributed to an RESP each year. Of those parents, 65% said they would have set up an RESP had they been aware of the grants. “One of the most important things advisors can do,” says Moser, “is tell [clients] about the grant and let [them] know how to get the most of it.” Once the RESP is set up, advisors can help clients establish a routine to maximize the benefits of the savings vehicle for their clients and their children. Moser says setting up an automatic savings plan where a certain amount comes out of the client’s bank account each week or month is a great way for clients to save in an RESP. While it’s best to encourage clients to open an RESP account as soon as a child is born, says Moser, clients shouldn’t feel it’s ever too late to get started saving for a child’s education. “Whenever you can start you really want to do that,” he says. “The important part is always doing it one way [or another] and not just ignoring [the RESP] altogether.” Fiona Collie Greens would axe RESP Many Canadians do not have registered education savings plans (RESP) set up for their children, because they don’t realize the potential benefits of the savings vehicle, such as government grants. That’s according to a study released Thursday by Toronto-based BMO Financial Group. Related news Universitas rebrands as Kaleido, enhances portfolio diversification Keywords RESPs Facebook LinkedIn Twitter read more

Kathy Jenkins appointed CFO of IMCO

first_img 123RF Kathy Jenkins has been appointed chief financial officer of the Investment Management Corporation of Ontario (IMCO), effective May 1.Prior to joining IMCO, Jenkins served as the managing director of corporate finance at the Canada Pension Plan Investment Board (CPPIB). Her other previous roles include senior vice-president and chief financial officer of global wealth management and insurance at Bank of Nova Scotia, and vice-president of retail, wealth and infrastructure finance at Canadian Imperial Bank of Commerce. Related news Jenkins succeeds Michel Paradis, who is retiring. She reports to Bert Clark, IMCO’s president and CEO. CETFA elects new board leader Share this article and your comments with peers on social media Keywords AppointmentsCompanies Investment Management Corp. of Ontario PenderFund names new SVP for investments Facebook LinkedIn Twitter TD getting new head of private wealth, financial planning IE Staff last_img read more

Samuda Impressed with Canadian One-Stop Online Business Development Shop

first_imgRelatedSamuda Impressed with Canadian One-Stop Online Business Development Shop Samuda Impressed with Canadian One-Stop Online Business Development Shop CommerceMay 27, 2009 FacebookTwitterWhatsAppEmail Minister of Industry, Investment and Commerce, Hon. Karl Samuda, has lauded the efforts of BizPal, one of Canada’s premier virtual shops for business applications.BizPal (Pal stands for permits and licences) is a one-stop online service giving persons interested in setting up business all the information on the permits, licences and regulations needed, from all levels of government, to start their business.Minister Samuda, who was on a four-day visit to Canada, from May 19 to 23, to observe business strategies and how to cut bureaucratic red tape, said that BizPal was definitely needed in Jamaica.“BizPal spoke to the whole effort by which businesses are established. The collaborative approach and the extent to which they co-ordinate the activities of businesses, and the one-stop concept, where one only has to access the Internet to get all the appropriate information about starting a business,” said the Minister.In a presentation to Minister Samuda and his delegation, which included Jamaica’s High Commissioner to Canada Her Excellency Evadne Coye, the Senior Manager of BizPal, Marie-France Marquis, noted that BizPal specifically targets small and medium sized enterprises (SMEs), and greatly reduces the time and energy spent searching for information.“Most of the information a person needs to start or expand a business is available from a single source. Therefore, less time is spent dealing with red tape. After about 10 minutes answering a series of diagnostic questions, the client is presented with a comprehensive and customised list of the permits and licences that they require from all levels of government,” said Ms. Marquis.Mr. Samuda said that one of the most difficult challenges facing Jamaica today is bureaucratic delays.“If we’re ever going to be able to work our way out of our difficulties, we’re going to have to be very competitive,” Mr. Samuda said.“One certain way of attacking that problem, is to remove bureaucratic red tape, the obstacles to business, because time is money and the time we spend going through the various regulatory mechanisms impedes the progress which can be made,” he added.The Minister noted that having access to BizPal programming tools and being able to utilise parts of it, would enhance the small business sector and business in general in Jamaica.Ms. Marquis said that under the Paper Burden Reduction Initiative, the Canadian Government made a commitment in 2004 to reduce paper-work burden by 20 per cent, and this goal was achieved earlier this year.Several government departments and agencies worked together by streamlining regulations, eliminating duplicate requirements, getting rid of overlapping obligations and reducing how often documents needed to be filed, she stated.Other presentations looked at the ease with which persons can register their businesses online, and also get comprehensive business information, such as writing a business plan, starting a business and finding new markets.Mr. Samuda met with other Canadian business officials, as well as a group of Jamaican business owners.His delegation included Robert Kerr, Manager of Investment Support Services at Jamaica Trade and Invest; Valerie Veira, Chief Executive Officer of the Jamaica Business Development Corporation; Andrene Collings, Director of Commerce in his Ministry; and Lorna Perkins, Modernisation Projects Co-ordinator in the Office of the Prime Minister. Advertisementscenter_img RelatedSamuda Impressed with Canadian One-Stop Online Business Development Shop RelatedSamuda Impressed with Canadian One-Stop Online Business Development Shoplast_img read more

Contract awarded for $87.6 million defence infrastructure projects

first_imgContract awarded for $87.6 million defence infrastructure projects Contract awarded for first of four infrastructure projects at Australian Marine Complex  Fast-tracked projects worth over $87 million part of WA Recovery PlanThe four projects will create up to 600 construction jobs Construction work is about to begin on the first of four Australian Marine Complex (AMC) infrastructure projects which will help grow Western Australia’s defence industry.The $87.6 million projects will enable the AMC to support the larger and more complex Royal Australian Navy vessels entering service in the coming years.The projects include a new vessel transfer path, a new shipbuilding facility, a major wharf extension and upgrade, and three road intersection upgrades.Building and civil construction company Georgiou will deliver the first project, which is the new vessel transfer path.The new vessel transfer path will create greater connectivity across the AMC, between the floating dock and shipbuilding and sustainment facilities, including ASC, BAE and Civmec.Lanskey Constructions will deliver the new shipbuilding facility in the northern shipbuilding precinct, which will activate underutilised waterfront land to support commercial shipbuilding.  This will free up strategic land for sustainment activities to support the Navy.The extension to AMC Berth 1 will create a new berth and enable the facility to accommodate all Royal Australian Navy vessels, including Anzac class frigates, Arafura class Offshore Patrol Vessels, and the future Hunter class frigates.As stated by Defence Issues Minister Paul Papalia:“The McGowan Government’s investment of $87.6 million to fast-track four infrastructure projects at the Australian Marine Complex is already starting to deliver results.“The improvements will enhance the AMC’s reputation as Australia’s key defence industry hub and help secure defence contracts that will grow the WA economy.“The projects align with the Western Australian Defence and Defence Industries Strategic Plan, which aims to double the value of the Department of Defence’s annual contribution to the State from $3 to $6 billion by 2030.” /Public Release. This material comes from the originating organization and may be of a point-in-time nature, edited for clarity, style and length. View in full here. Why?Well, unlike many news organisations, we have no sponsors, no corporate or ideological interests. We don’t put up a paywall – we believe in free access to information of public interest. Media ownership in Australia is one of the most concentrated in the world (Learn more). Since the trend of consolidation is and has historically been upward, fewer and fewer individuals or organizations control increasing shares of the mass media in our country. According to independent assessment, about 98% of the media sector is held by three conglomerates. This tendency is not only totally unacceptable, but also to a degree frightening). Learn more hereWe endeavour to provide the community with real-time access to true unfiltered news firsthand from primary sources. It is a bumpy road with all sorties of difficulties. We can only achieve this goal together. Our website is open to any citizen journalists and organizations who want to contribute, publish high-quality insights or send media releases to improve public access to impartial information. You and we have the right to know, learn, read, hear what and how we deem appropriate.Your support is greatly appreciated. All donations are kept completely private and confidential.Thank you in advance!Tags:Australia, Australian, building, Defence, Economy, future, Government, industry, infrastructure, Investment, jobs, Minister, navy, project, WA, Western Australialast_img read more

Join Share Vancouver in their All-Day Drive Thru Food Drive on June 10th

first_imgName*Email*Website I allow to create an accountWhen you login first time using a Social Login button, we collect your account public profile information shared by Social Login provider, based on your privacy settings. We also get your email address to automatically create an account for you in our website. Once your account is created, you’ll be logged-in to this account.DisagreeAgree guestLabel 0 Comments Inline FeedbacksView all comments Subscribe Connect with LoginI allow to create an accountWhen you login first time using a Social Login button, we collect your account public profile information shared by Social Login provider, based on your privacy settings. We also get your email address to automatically create an account for you in our website. Once your account is created, you’ll be logged-in to this account.DisagreeAgreeNotify of new follow-up comments new replies to my comments I allow to use my email address and send notification about new comments and replies (you can unsubscribe at any time). Join Share Vancouver in their All-Day Drive Thru Food Drive, next Thursday, June 10th from 9:00 a.m. – 5:00 p.m. The event will be held at the Fromhold Service Center at 2306 NE Andresen Rd, in Vancouver.blankGraphic courtesy Share VancouverAs the need of local families and individuals continues to grow during these extra challenging times, Share’s Hunger Response Programs need your support to continue providing nourishment for the community.Share Vancouver invites you to join them this year in their goal to raise 10,000+ pounds of food donations to support their Backpack, Fresh Food Pantries, Hot Meals & Outreach Food Kits year-round.For more information about Share’s Hunger and Nutrition Food Programs please visit their website: contact Sara Johnson at [email protected] with any questions.AdvertisementThis is placeholder textTags:Clark Countyfamiliesfamilies in needShare VancouverVancouvershare 0 Previous : Union’s point guard continues with program’s culture of success Next : Skyview baseball winning the arms raceAdvertisementThis is placeholder text Join Share Vancouver in their All-Day Drive Thru Food Drive on June 10thPosted by ClarkCountyToday.comDate: Tuesday, June 1, 2021in: Peopleshare 0 Name*Email*Website guestLabellast_img read more

CU-Boulder Center Of The American West Kicks Off Summer Series At Chautauqua With May 14 Musical Celebration

first_img Published: May 3, 2006 Share Share via TwitterShare via FacebookShare via LinkedInShare via E-mail The University of Colorado at Boulder’s Center of the American West will kick off its summer lecture series with a musical celebration of its 20th anniversary on Sunday, May 14, in Chautauqua Park. “Music by Jubilate! Sacred Singers and Cowboy Poetry with Dr. George Russell: A Birthday Party for the Center of the American West” will be held in Chautauqua Auditorium starting at 6:30 p.m. The cost is $12 for the general public and $10 for Chautauqua members. Mothers are especially welcome at this Mother’s Day event. The Jubilate! Sacred Singers of Boulder will perform works celebrating nature and the American West by Charles Ives, Aaron Copland, Irving Berlin, Cole Porter, William Billings, Bob Nolan, William Dawson and others. Poetry by Robert Frost, e.e. cummings and cowboy poets will be performed by Dr. George Russell, a Boulder dermatologist. “We are very pleased to be honoring both the mothers among us and ‘Mother Nature’ on May 14,” said Professor Patty Limerick, faculty director of the center. The May 14 event will kick off a series of five summer lectures on energy, wildfire and modern American Indian identity along with a performance of “Tonight! Buffalo Bill!” by Bill Mooney of Boulder. The schedule of events follows: o May 15 — Willett Kempton, senior policy scientist at the University of Delaware’s Center for Energy and Environmental Policy, will lecture on “Preventing Climate Catastrophe: How, When and How Much To Cut CO2?” at Chautauqua Community House at 7:30 p.m. Admission is $3 for the general public, $1 for Chautauqua members. o May 22 — Rebecca Watson, former assistant secretary for land and minerals management at the U.S. Department of the Interior, will lecture on “Current Administration Energy Policies and Public Policy,” at the Chautauqua Community House at 7:30 p.m. Admission is $3 for the general public, $1 for Chautauqua members. o May 31 — Roger G. Kennedy, former director of the National Park Service now with the Harvard Environmental Center, will lecture on “Wildfire and Americans: How to Save Lives, Property and Your Tax Dollars,” in Old Main Chapel on the CU-Boulder campus at 7:30 p.m. Admission is free. A reception will follow the talk. o June 12 — Mark Trahant, editorial page editor of the Seattle Post-Intelligencer, a Pulitzer Prize finalist and member of the Shosone-Bannock tribe, will lecture on “Modern Native American Identity” at the Chautauqua Community House at 7:30 p.m. Admission is $3 for the general public, $1 for Chautauqua members. o June 19 — Greg Franta, principal architect and team leader of the Rocky Mountain Institute/ENSAR Built Environment Team, will lecture on “Green Building Practices” at Chautauqua Community House at 7:30 p.m. Admission is $3 for the general public, $1 for Chautauqua members. o Aug. 14 — “Tonight! Buffalo Bill!” written and performed by two-time Grammy and two-time Emmy nominee Bill Mooney of Boulder at Chautauqua Auditorium at 7:30 p.m. Mooney appeared on television for 13 years as Paul Martin in “All My Children” and also performed for many years on Broadway. Admission is $10 for the general public, $7 for Chautauqua members. The May 14 musical celebration of the centers grew out of a 2005 Boulder Rotary fundraiser for the Virginia Patterson Family Birth Center at Boulder Community Hospital, Limerick said. “I got inspired, during the auction, by my admiration for Virginia Patterson and by the thought of all the mothers and babies who would benefit from the Birth Center,” she said. “So I ended the evening as the owner of a prospective pie, baked by Virginia, and a concert by the very talented singing group, Jubilate!” For more information visit the CU-Boulder Center of the American West’s Web site at or call (303) 492-4879.last_img read more