Hootsuite: The Ultimate In Professional Social Media Management

HootSuite's Social Media Coach, Vicky Truong, touches on how using multiple social profiles can improve the way you communicate with your different social audiences. Using HootSuite you're able to have one global voice across multiple profiles and networks as well as use dedicated twitter handles to communicate content targeted to specific audiences.

Highlights of HootSuite: The Ultimate In Professional Social Media Management

• 30 Day Free Trial of HootSuite Pro • Multiple social network management from one dashboard (Twitter, Facebook, LinkedIn, Google+) • Scheduled Messaging • HootSuite App Directory (Instagram, SlideShare, YouTube, MailChimp and many, many more.) • Engagement, Team Collaboration, Analytics and Security

LinkedIn management with HootSuite Social Media Management

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Analyze and Grow Your Social Channels with HootSuite

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Author Michael Lewis discusses The Big Short and the future of finance

Author Michael Lewis discusses his book The Big Short: Inside the Doomsday Machine, the future of finance as he sees it, and his thoughts on whether today's business students have a chance at changing it. Part of the Dean's Speaker Series, co-sponsored by the Center for Responsible Business as part of its Peterson Series on Sustainable Finance. (September 13, 2010) The University of California Berkeley Haas School of Business is one of the world's leading producers of new ideas and knowledge in all areas of business - which includes the distinction of having two of its faculty members receive the Nobel Prize in Economics over the past 15 years. The school offers six degree-granting programs. Its mission is to develop innovative business leaders - individuals who redefine how we do business by putting new ideas into action, and who do so responsibly. The school's distinctive culture is defined by four key principles - question the status quo; confidence without attitude; students always; and, beyond yourself.

S.E.C., Dodd-Frank and Whistle-Blower Office

 


Whistleblowers who report misconduct have also faced possible lawsuits from employers for violating confidentiality agreements. But new SEC whistleblower rules suggest that practice may have to change. Dow Jones reporter Suzanne Barlyn discusses with Gary Aguirre, a whistleblower lawyer

Wall Street reform law provides new Whistleblower incentives to report suspected securities fraud. That could lead to more work for compliance departments, as Dow Jones columnist Suzanne Barlyn discusses with Richard Marshall, a lawyer for Ropes & Gray LLC in New York

Sean McKessy, Chief of the SEC Office of the Whistleblower, explains how to submit a tip, complaint or referral to the SEC - and what happens during the process.

NEW YORK TIMES ARTICLE - Facing Complaints, S.E.C. Opens Whistle-Blower Office

"I Can Do Bad All By Myself"

 

 A hard-living nightclub singer discovers the importance of family with the help of a handsome Mexican immigrant in this inspirational comedy drama from writer/director Tyler Perry. When pistol-packing granny Madea (Perry) awakens to the sound of her home being ransacked by wayward teen Jennifer (Hope Olaide Wilson) and her two younger brothers, she promptly marches the troubled kids over their aunt April's house. But despite being the only relative the kids can turn to, April (Taraji P. Henson) is hardly a role model; a self-destructive songbird with a serious drinking problem, she spends her nights at the club and relies on her married boyfriend, Raymond, to pay the bills. Suddenly, into April's life wanders Sandino (Adam Rodriguez), a hard-luck immigrant in search of some honest work. Before long, Sandino has moved into April's basement room, and formed a solid connection with the kids. The closer April and Sandino grow, the more April begins to recognize the importance of faith and family. When the time comes to say goodbye to her old ways and start a new life, the wounded chanteuse realizes that she may have finally found the true love that's always eluded her.

WATCH NOW ON AMAZON INSTANT VIDEO

Need Career Tools? Fresh from the FB Developer's Sandbox: We've built a Facebook App For That!!!

I'd figure I would sum up all of the App's I've developed in the Facebook Developer's Sandbox which include Powerful Facebook Apps For your Job Search (or Whatever you are looking for) & More via Facebook!!!

Look for our Log (Hands holding the Whole World)

Click on Links below:

https://apps.facebook.com/yourwebservices/?fb_source=search&ref=ts

Click on eCommerce, links or Categories for the following:

Software: Search on Career

Books: Search on Career

Kindle: Search on Career

Extras:

Search an Awesome Technology Training Database with over 23,000 FREE Course directly on Facebook at:

https://apps.facebook.com/yourvirtualtraining/?fb_source=search&ref=ts

Search the IOS Apps Store on Facebook for "Careers" at:

https://apps.facebook.com/iaffiliatestore/?fb_source=search&ref=ts

Do your Job Search directly on Facebook and get feeds from all over at:

https://apps.facebook.com/jobsholmansworld/?fb_source=search&ref=ts

Looking to Start Your Own Business? Search Directly on Facebook at:

https://apps.facebook.com/affiliateideas/?fb_source=search&ref=ts


Enjoy!!!

Wall Street - 30 Years Later (Then - Physical Securities, Now Automation with needed Regulation)

There are many visions of Wall Street. Over the years and much has changed. Let me take you down memory lane just a little bit. For some this tour may be unclear, for some it may be a little clear and for others it may be crystal clear. Back in the 1980’s I  (pictured on the right back then) started my journey on Wall Street. (I'll end with what I consider  just some very important lessons learned)

I was a senior in high school at Andrew Jackson High School in Queens, N.Y., and had joined a Co-Operative education program (Co-Op). I’m not sure how many of these exist today. I had the opportunity to work one full week with pay and then go to school the following week. A high school student stepping on to Wall Street for the first time was an experience like no other.

The first adjustment to the adult world was being told that I could address the adults by first name as opposed to “Mr” or “Mrs” or “Ms.” As I did with my High School teachers. I was very fortunate to work for a well-established firm called, The Morgan Guaranty Trust Company. As it is today, it was then that the firms wanted to ensure that students experiencing the firm for the first time got very familiar with the industry and the firm. Training back then, involved visiting a room where you were equipped with a cassette tape player, cassettes, booklets and headphones. I remember hearing words like “manifold” referring to trading tickets. You don’t here that too often now if at all. The training tapes gave information about the various departments and the company itself.

I did not feel completely out of place as I also found number of other High School Co-Op students working in my same section at the company. I handled the “manifold” tickets relative to trades that had been entered. I worked in the section called “Ticket Check Off”. The Department was called Government Bond. Here I saw trade tickets relative to what I would soon learn were Fixed Income trades such as Treasuries as well as Money Market Instruments such as Certificates of Deposit and Bankers Acceptances.

As I reflect back now what was most interesting was that that I not only got to “see” the manifold tickets relative to these instruments I also got to see the instruments themselves. This was the 1980’s and many of the instruments of the day were in physical form. I got to see US Treasury Notes with the interest payment “coupons attached”. We would attached a one copy of a multi-ply manifold ticket to the Treasury by using what then a “T-Pin” which I have not seen in ages. I was informed one day I would be delivering some Treasuries to the Federal Reserve Bank down the street (we were located on Broad Street across from the NY Stock Exchange). We had an armed Security Guard Accompany us. I later realized that as many of the instruments of the day were in “bearer” form they could literally be cashed by whoever said it was theirs.

Working in Government Bond was an excellent learning experience. I got involved with the daily proof and reconciliation. We reconciled with a group of individuals that were enclosed behind a window called “The Cage”. We ran a calculation tapes on huge calculators that took up most of a desk and used two copy calculator tape (on copy being a carbon copy). We would balance the general ledger tickets that had passed throughout the day.

There were no personal computers as we know them today. For me as a High Schooler, my taste of the Internet was during my "school week" I was able to go into a High School Room and dial-up an on line services. I would need to dial the number on the telephone and then put down the handset on some acoustic couplers (shaped like the phone mouth and ear piece) that was attached to a printing (not display) terminal. The Session information would print out on the long printer as opposed to on a display system. News and other other information would print out. That was it for the "The Net" in those days! Read more on the Technology of those days on my latest Blog.

As with most High School Students of the day, the highlight was lunch time. Most interesting enough lunch was free. Not only that, on those occasions when we had to work late we also got free dinner via a “supper pass”. For me the work, the experience and the food, was the life!

Lessons Learned (in addition to my Blog on The Changing Face Of Client Service):

In an automated environment we have to ensure not to "miss steps" during the automation process. 

It is critical that the "business" is totally involved as "technology" implements enhancments.  Technology can only  "build it" "to specifications" outlined.  Those specification have to be clearly defined. I've uncovered some inefficiencies in processes during my work which I believe will ultimately benefit the more important group to us, our customers. 

As example, if  an automation process gathers data for a specific security type, the definitions for that type have to be spelled out by the business groups. Others as the saying goes, "Garbage In, Garbase Out." Just imagine building metrics around data from a report where the data elements have not be properly defined and you are as an example reporting on Apples, in a Category for Oranges. Your client is looking for just Apples but, Oranges and any other kind of fruit has been thrown in. It just throws off the reporting and more importantly because the clients "trust" what we report, they make critical business decisions on that data presented. 

Regulation such as Dodd Frank, which in part looks out of the interest of consumers is causing or should be causing many to take critical looks at what we process on a day to day and how we report on it.

When you service a Financial Community, I don't have to stress how important that is.  My background has been in Financial Services on the Business side (Trade Processing, Cash/Income US and Non-US, Corporate Actions both Global and Domestic). 

As I reflect back on my last 30 years, I am fortunate to have actually held Mortgage Backed Securities (Ginna Mae, Fannie Mae, along with Early Stage, "To Be Announced" (TBA's) which proceed the ultimately Pooled issues, in my hands along with processing settlement along with what was called Due Bills as needed. 


I also covered an excellent video in a past Blog on Mortgage Backed Securites (MBS). You can view the Video on a TBA Website I created at http://www.tbasecurity.com/  This Video really speaks about the MBS Security which comes about after the issue is "Announced" ) 

More Information:

Organizations helping Youth in Financial Services and Information Technology at the High School and College Level in New York (Local Chapters have links to their respective National Offices):


Urban Financial Services Coalition New York Chapter

BDPA Information Technology Thought Leaders New York Chapter

Here's a Video on Students brought from out of state for Interviews within the Financial Services Community.




More about Mike Holman



Mike Holman Video Resume

Certifed Securities Ops Professional Resume
http://mikeholman.com/

Non Profit Social Media Analyst Resume
http://mikeholman.info/

Breaking news: This is the future of Forex

 

"See one of the best Forex trading strategies ever   invented capture automatically signaling trades in   real time… time-laps recording"     It's time you got rid of old trading systems and   robots that don't work. They are actually   restricting how much you make.   I want you to watch a very interesting short video.   It is a very powerful program that automatically   signals you when there is a trade using the Forex   Profit Model. You very seldom get to see this as it   happens, but in this video you can see the actual   signals:   CLICK HERE   Forex Aviator - See it in action   ========================   If you are following Josh Schultz’s material, you know   that he is all about lifestyle. The last thing he   wants to do is sit watching a screen all day long.   That's why the Forex Aviator is a game changer.      CLICK HERE      Robots are too unreliable and manual systems are too   time consuming. Forex Aviator is the perfect   compromise and is in my opinion, the future of   trading. You get all the benefits of an automated   trading system but still get to make the final   decision. This way you never get those huge draw   downs robots have. Just watch the video and you will   understand what I mean:  CLICK HERE   ****************************   Precision Trading Is   The Secret Of Top Traders   ****************************   One thing you will always notice about top traders,   they don't hesitate when they get a signal. They   know trading is all about timing. The market can   move so fast that if you hesitate, the trade could   be lost. You need the right tool to trade with and   Forex Profit Model is by far the best system on the   market.   Nothing speaks louder than proof and if you haven't   already, I urge you to watch some of the over 25   live trades here:   CLICK HERE   Complimentary Tools And   Reports For The Next Few days   ============================   - Forex Cash Builder. Read some of the comments   \Comment from website\   I downloaded this about 3 hours ago. It gave a sell   signal on AUD/USD at the top of the hour so I took   the trade and bagged 20pips in the first hour and it   is still running.   \Comment from website\   Now I'm not sure if it was beginners luck but every   single one of them expired in the money! making a   cool 75% profit in less than 1 hour.   \Comment from website\   Hi Josh, this is the closest I have come in   achieving success.   Try the Forex Cash Builder that the whole community   is raving about. He gave this away a few days ago   and people just think it's great. It comes with a   full report and MT4 indicator that shows you when to   trade. Just leave a comment and let Josh know what   you think of it.   CLICK HERE   - Over 4 hours of top notch training   \Comment from website\   Joshua, I was very excited to be invited to attend   one of your webinars as I had heard many good things   about you. Unlike many other webinars that I   attended in the past, yours did not disappoint me.   \Comment from website\   I have just attended your webinar and am so excited!   You rock Josh! I can't wait to put into practice   what you have taught us.   Watch any of his webinars that he recorded and   shared on his website. These are pure gold and have   valuable information that he normally charges for.   Simply sit back, relax and spend some time listening   to the pro talk, then leave a comment.   CLICK HERE   - The Perfect Day video   \Comment from website\   Sounds like you have quite a few perfect days Josh.   I've got to say that every day is a perfect day if i   know I've looked after my family. This system would   be the icing on the cake running it all from home   and having time to spend with the kids in the   afternoon rather than just giving them a peck on the   cheek when they`re asleep after a long hard days   graft.   Watch his "Perfect Day" video. Josh is a very down   to earth type of guy and made a video sharing with   you what a typical day for him is like. Leave a   comment and let him know what your perfect day would   be like, and a copy of Forex Profit Model could be   on its way to you in the next few days.   CLICK HERE   All the best     P.S. Simply by identifying the hidden natural order   in Forex, you could be more successful than your   wildest dreams. Download the complimentary Forex   Cash Builder here:   CLICK HERE   =================================   Information, charts or examples contained in this   email is for illustration and educational purposes   only. It should not be considered as advice or an   endorsement to purchase or sell any security or   financial instrument. We do not and cannot give any   kind of financial advice. On certain occasions, we   have a material link to the product or service   mentioned in the email. This may be in the form of   compensation or remuneration.   =================================

Entrepreneurial heavyweight Daymond John joins UFSC 2012 Conference line-up as Gala Keynote speaker

The Planning Committee of the UFSC Toronto 2012 Conference is delighted to announce the latest addition to our programming line-up - branding and fashion icon, groundbreaking entrepreneur, founder and CEO of FUBU and star of ABC network’s hit business reality show Shark Tank, Daymond John is on board as the keynote speaker for our 15th Anniversary Gala on Saturday, September 29.  

ABOUT DAYMOND JOHN

  

A young entrepreneur, an industry pioneer, a highly regarded marketing expert, and a man who has surpassed new heights of commercial and financial success are just a few ways people have described Daymond John. Over the last 20 years, Daymond has evolved from one of the most successful fashion icons of his generation to one of the most sought after branding experts, business, and motivational speakers in the country.

In recognition of his contributions to fashion and the face of American business, Daymond has been celebrated with some of the most prestigious awards including: Brandweek Marketer of the Year, the Advertising Age Marketing 1000 Award for Outstanding Ad Campaign, Crain's Business of New York Forty Under Forty Award, and Ernst & Young’s New York Entrepreneur of the Year Award.

View full bio or video.

OUR VALUE TO YOU

Mr. John is an exciting addition to an already exciting Conference line-up. UFSC Toronto is aiming to pack the Conference with tremendous value for financial professionals, students, entrepreneurs and community members.

Please visit www.ufsctoronto2012.com to review all the incredible Conference programming we offer from Sept. 27-29. We are confident you will see the value in this all-inclusive pricing - register today! Your registration fee includes:

• Thursday, Sept. 27: Entry into the Diversity Career Expo and Diversity Employers Panel Session, Opening Plenary Session and Welcome Reception
• Friday, Sept. 28: Full Day conference programming featuring leading executives from Canada, U.S. and Caribbean - includes breakfast session with meal, lunch session with meal, President's reception in evening
• Saturday, Sept. 29: Entry and participation in Community Empowerment Day (includes Town Hall discussion on role models in the black community and movie screening) and a ticket for the UFSC 15th Anniversary Gala Dinner and Dance

OUR VISION

With the 2012 Conference, we aim to:

• Engage the talent in our community to develop professionally and seek their potential

• Inspire young people to consider financial services as a viable career path

• Inform our community about the importance of financial literacy to sustained prosperity

• Empower all our members and constituents to reach new heights of leadership, personal growth and community service

Contact us at ufsc2012@ufsc-toronto.orgufsc2012@ufsc-toronto.org to learn more.

Don’t wait, register today!  

The UFSC Toronto 2012 Conference Planning Committee

LinkShare: Where I See The Money

Among the many opportunities out there, as my latest Social Media Status Updates have shown, The Money is in Links and Clicks. Let me say that this can be applied on a Personal Level just for your self, A For Profit Business or a Not For Profit Business (for Fund Raising). A service noted in the above Video at their own Awards Ceremony (also a company where I actually got my first Online Affiliate Commission Check) that I have found useful is LinkShare (see the link below to join (no pun). LinkShare will provide you with a list of Advertisers (who also awarded in the above video) for which you can apply to promote their products and if approved, you can get the HTML Codes for the links to put in your Emails, Website, Blogs, Posts, etc. (All you do is copy and paste the code) You can view the Advertiser Categories and pick those that are familiar to you to start out and expand to other advertisers later on. People often may come to you to ask where do you Shop or which Broker do you recommend (the LinkShare categories are that extensive) and if that happens to be also one of the Advertisers with whom you have an Affiliate Relationship via LinkShare, you can send them an email or point them to your Website or Blog with the link. You can get paid sometimes by just sending them the link and they click on it or you might get paid if they signup for the Service. I like the fact that some Advertisers Pay you just for sending someone to their site without buying anything. You can tell others to just "check them out" and you get paid just for them clicking on the link and not buying anything at all. These are your referrals. You can even setup a one page website (if you want to do more than just use email, Blogs, posting, etc.) with as many or few links as you like using a Web Hosting Provider like ours below where you can Buy a Domain currently for $1.99 which comes with a Start Web Page (watch our video Tutorial called, "Spin Your Web" for more on this): With a Hosting Provider you can Register a Domain Name such as justwithyouinmind.com or whatever and either use the domain name to Host a Web Page or Forward the Domain name to another website. You can even Forward your Domain name to your Advertisers Text link. You may want to use Domain Forwarding because some Affiliate Links are very long and if you are not embedding them but rather using just the text link a shorter name is best. I have a Web Services Help Center site that has a long address but I Registered a the Domain Name socialmediakit.info so that anyone can go to that Domain Name and Search for Help on any of my own Web Hosting Products or Services at holman-business.com just by using the Help Guides found at socialmediakit.info So when asked, "Show Me The Mondy", I say that just one of many places is in providing Links to others from Advertisers. You just go to LinkShare from the link directly below Signup which includes, TELLING THEM HOW YOU WANT TO GET PAID, then apply to the Advertisers you are interested in. Again you can start with Brands you know well or Toggle the Select All botton, as you don't know which will Approve Right away, as many do Manual Approvals. Finally again you may want to get a $1.99 Domain so you can post your Links if you want to on a Website, or just use your Email, Blogs, Posting, etc. as noted below: Lastely you can make more sense of Domain Names, Webhosting and more with your Free Help Center Search and Guides at socialmediakit.info Hope this helps!

Lesson: Mortgage Backed Securities

Lesson in Mortgage Backed Securities. I found this absolutly excellent as I reflected on my 30 years on Wall Street which I wrote about in my Examiner Column: "How Wall Street looked to a high school student in the 1980s"

Your words and thoughts have physical power - Will Smith

Your words and thoughts have physical power. In life many people wonder why things dont always go the way they want them to but do not realize that in every thought they think and words they speak starts the physical formation of what begins to appears in our lives. It is normal to have negative thoughts from time to time because we do not live in a perfect world, Or Do We? The key is when a thought like that shows up you just need to make the decision wether or not you want to entertain that though for a long time or if you want to change the path to a better one immediately. This is where skill comes in to play. With all things you must practice to make perfect, all though some are borne with more talent than other, anyone can hone the skills of being discipline and beat there fears into submission. it was once said "your biggest fear should be fear itself" I would have to say this is pretty right on. Why? Because fear is a negative emotion and because of fear you tend to pay more attention to it which starts the physical birth of some kind of reaction. This is why most people that fear that they are going to get hurt get hurt more than the rest. Or think they are going to be sick and then it happens. If you fear that you dont have enough money to pay the bills and speak and think these thoughts and words everyday then guess what, You are creating the physical reaction to show up in your life. This is why it is good to marinate yourself in unconditional love and positive good words and belief that good things are heading your way at all times. You deserve it, It is your birth right. Own it. except it. enjoy it. Live it. know it is in your escrow. more and more, every moment. and when the other thoughts of fear come, Do Not Entertain it. leave it behind and get right back on track with the truth! Live every monent of this life like there is no tomorrow, because it is not a rehearsal. So Start getting from it what is yours. GREATNESS!!!

Raising an Olympian - GABBY DOUGLAS

As the Proud Sponsor of Moms, P&G presents this series about the mom behind the Olympic athlete.

Maximizing LinkedIn - The Business Network

Another Top Program Added to our Best Sellers. Excellent Video Intro from a person who has spent years using the Professional Site LinkedIn and offers some interesting Stats and a program on maximizing it to the fullest Pick Up This awesome product at here It's one of the Top Ten Best Sellers in our Ideas Database on Facebook at: https://www.facebook.com/affiliateideas LIKE US and click Go To App

One take on the changing face of Client Service into Business Analysis

Hello! As your Financial Careers Examiner, let me share just a little of what I have seen within my thirty year career within Financial Services. There are loads of aspects of Financial Services, but let me share a little bit on my role which has covered the Back Office moving into the Middle Office arenas. I started in 1981 (as noted in my first Examiner report, "How Wall Street looked to a high school student in the 1980s". I understood back in the 1980's starting in the Back Office that I would definitely be "Hands On". I actually held in my hand some instruments that are rarely found in physical form anymore such as Certificates of Deposits, Bankers Acceptances, Ginnie Mae's, Fannie Mae's and Treasury Notes with the Coupons attached! Let me emphasize here that these disciplines within your Financial Services Career are excellent to have; after you have obtained them it's important to broaden your horizon or scope of knowledge. Why you may ask??? If you are happy in just that discipline, fine. If you are sure you will always have that position, fine? This was a very valid school of thought in the 1980's! With the onslaught of the Financial Crisis we have seen, this is no longer case (more on that a little later). I had the opportunity to "branch out if you will" and while still in a Back Office setting I was able to add on Foreign Exchange (Remittance, Confirmations, Settlements, etc.), supporting the Front Office Traders. From here I moved into the Middle Office, where while I was not so much "Hands On", I was more of a Liaison between the Clients and the various other groups such as Back Office. The Benefit was having worked in the Back Office, I was able to "feel" what they were doing if that makes sense and also because of the networks developed, and I had people to reach out to in trying to meet goals. The Middle Office called upon my knowledge obtained in the Back Office, Money Market, Equity, Fixed and Foreign Exchange. Let's break this down further (in terms of the impact of change within Financial Services) as you are looking at your Financial Career. What has happened is this: Little known to us, those physical instruments have gone away as they are morphed into book entry form, so everything is on the system. Where it would take me working through my lunch hour in the back office trying to count physicals such as Municipal Bonds, it is no longer the case with them being converted into book entry from. I mean I would actually have a stack of securities the height of my desk "dropped off" for me to count as it was a delivery from one counterparty to another. With the book entry format, the counting (among many other thing we would have to do such as stamping each security with our Nominee Name (oh the pain!!!) to make it negotiable) has gone away. With the Economic Crisis events such as 9/11, it has made companies think about really spreading themselves out more geographically. Within the "Location Strategy" initiatives, more onshore jobs and less onshore people have been offshored. With huge financial losses suffered by firms, many have closed down. It behooves those pursuing a career within Financial Services to learn as much as possible to be as diversified as possible. You will then not be dependent on just on discipline and one firm for your whole career. That one discipline may change (ex. physical to book entry). That one company may outsource that discipline as well. I started noticing while in the Middle Office using my Back Office skills to assist me on the a day to day basis, that the Client Service role I was performing in the Middle Office was evolving more and more into an Analytical role or Business Analyst role geared even more towards Process Improvement. I began to take on Business Analyst Roles and found that in seeking to broaden my knowledge, Business Analysis is in no way limited to Financial Services, but is in full swing in many industries. This opens the door when not just a company but an industry may be experiencing a slowdown, another industry, may be in full swing! To compliment what I was doing as a Business Analyst, I also took Business Analysis and Project courses via a company called Global Knowledge. I have obtained the Certification of CBAP® - Certified Business Analysis Professional I hope this write which include a short video of my background is helpful to you! Mike Holman New York Financial Careers Examiner

Dr Jamal Bryant - "Im So Hood" (The Hoodie Service - Trayvon Martin)

Dr Jamal Bryant - "Im So Hood" (The Hoodie Service - Trayvon Martin)from Empowerment Temple Get the Jamal H Bryant iTunes Application Free