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Understanding Each Customer as an Individual
The digital world has reframed the dynamics of business, making the customers more informed and socially connected. To understand such empowered buyers, information sought from a blanket demographic will no longer work. Organisations that look for deeper insights into their customer's wants and needs will have a better chance of identifying where to play and how to win.
At the IBM CMO CIO Leadership Exchange in New York, National Geographic Society's CMO Amy Maniatis and Chief Technology Officer Stavros Hilaris talked about how new technology is helping them create communities.
Driving Engagement to Maximise Value
The audience is much more fragmented today, interacting and drawing information through multiple channels. To gain their attention and loyalty, marketers need to appeal to them in ways that they perceive valuable. The key lies in cultivating meaningful relationships. To do so, marketers need to maximise value at every touch, without being intrusive.
Analyze in order to prioritize. Every insight you gain, across every channel and program, leads to a deeper understanding of what customers want today—and what they'll need tomorrow.
Rheinmetall, a leading automotive and defense technology company, uses IBM Software to better collaborate across geographic and organizational boundaries, to become a social business.
Linking Brand and Culture
How a company is perceived today is more than a product of its mission statement, logo, advertising and blog posts. The brand value should reflect in everything an enterprise does, even in the way its employees interact with customers. This is a critical step towards building a cohesive brand culture and increasing brand equity.
Increased consumer transparency into companies' actual behavior and performance mean that now, more than ever, a company's values and beliefs have to align with its brand promise. Succeed in an era of transparency.
Listen to Harish Lade, General Manager-Systems, Asian Paints Ltd. discuss how by implementing a social collaboration platform, Asian Paints enabled its employees to respond quickly to business opportunities and to discuss and refine new creative ideas, thereby reducing time to value and increasing return on investment.
Related Links
Learn more about how your customers have evolved and what you need to understand before engaging with your empowered customers
Learn more about how you can take your brand beyond the traditional media and drive customer engagement consistently across all channels
Learn more about how you can enmesh your brand with the culture that surrounds it and forge a unified customer experience
Join the conversation
I'm here to help
Ryan Hughes
Tel: +27 1 1302 7328+27 1 1302 7328
Featured VideosSmarter Marketing: Know your Customer
Today, the vast amount of data that customers are generating lets marketers understand customers not just as segments or targets, but as actual individuals. Understand individual customer needs.
Marketers can now use data to shape everything from how brands interact with customers to the products and services they offer to the structure and culture of the company itself. By radically rethinking their profession, marketers today are able to understand customers as individuals, use predictive tools to get ahead of demand and design truly social businesses


text:
FREE SHIPPING on orders of $85 or more
An excerpt from www.HouseOfNames.com archives copyright © 2000 - 2017
Anglo-Saxon culture of Britain. It was a name for a person who was a teller of secrets.
Blabber Early Origins
Yorkshire, where they held a family seat from ancient times.
Blabber Spelling Variations
Blabber Spelling Variations
Only recently has spelling become standardized in the English language. As the English language evolved in the Middle Ages, the spelling of names changed also. The name Blabber has undergone many spelling variations, including Blabber, Blaber, Blabour, Blabir, Blabre and others.
Blabber Early History
Blabber Early History
This web page shows only a small excerpt of our Blabber research. Another 449 words (32 lines of text) covering the years 1230, 1273, 1379, 1408, 1433, 1442, 1500 and 1803 are included under the topic Early Blabber History in all our PDF Extended History products and printed products wherever possible.
Blabber Early Notables (pre 1700)
Blabber Early Notables (pre 1700)
More information is included under the topic Early Blabber Notables in all our PDF Extended History products and printed products wherever possible.
The Great Migration
The Great Migration
To escape the unstable social climate in England of this time, many families boarded ships for the New World with the hope of finding land, opportunity, and greater religious and political freedom. Although the voyages were expensive, crowded, and difficult, those families that arrived often found greater opportunities and freedoms than they could have experienced at home. Many of those families went on to make significant contributions to the rapidly developing colonies in which they settled. Early North American records indicate many people bearing the name Blabber were among those contributors: a number of settlers who arrived in the New World by the 19th century.
Blabber Family Crest Products
Blabber Family Crest Products
See Also
See Also
Other References
The Blabber Family Crest was acquired from the Houseofnames.com archives. The Blabber Family Crest was drawn according to heraldic standards based on published blazons. We generally include the oldest published family crest once associated with each surname.
This page was last modified on 28 March 2014 at 14:06.
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subset: commoncrawl


text:
Intelligent searching is available using an unlimited number of search strings, optional required words and filters that limit the search to certain file types or logical domains. Near or partial matches are displayed with results. An intranet version and additional licensing for searching sub domains are available.
It is available in the following Editions:


text:
Huasheng Ceramic Factory
ceramic mug, porcelain mug, ceramic fondue set, chocolate fondue set, porcelain fondue set, Manufacturer and Supplier - China
Porcelain breakfast set, customer's log is welcome.Contact us at email@example.com now you can get more surprise! - Update: 2011-03-15
Porcelain vinegar and sauce set, customer's logo is welcome. - Update: 2011-03-15
Porcelain salt & pepper set, customer's size & designs is available. Contact us now for more nice styles. - Update: 2011-03-15


text:
Best Sellers
Lema Strap
Sammons Preston Lema Strap
- One size fits all
- Contains natural latex rubber which may cause allergic reaction
Product Overview
Sammons Preston Lema Strap
A lightweight leg strap designed by an orthotist as an aid in rehabilitating the stroke client. Assists the following movements: ankle dorsiflexion, knee extension, hip hiking, flexion, and internal or external rotation. Helps facilitate the total walking pattern. One size fits all. Easy to adjust. Must be fitted and used while supervised by a qualified health professional.* This product contains natural latex rubber which may cause allergic reaction.
Place Your Order Here
Sammons Preston Lema Strap
Lema Strap Reviews Summary
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Lema Strap
Ask the community about this product and get answers. Share your knowledge and advice. Learn More about Q&A.
0 Questions | 0 Answers
Part Number(s): 718 0049
Mfg Part Number(s): 6204
Scrip Part Number(s): 718 0049
Because our price on this item is lower than the manufacturer's suggested retail price, the manufacturer does not allow us to show you our price until you place the item in your shopping cart. Retailers like Allegro Medical have the legal right to sell products at prices we set. However, adding the item to your cart allows us to show you our lower price consistent with our promise of always offering you the lowest possible prices on the widest selection of medical supplies, medical equipment and life enhancing products.
Adding this item to your shopping cart won't require you to buy it. However, our prices do change. If you decide to purchase this item now you are guaranteed the price now displayed in your shopping cart. Complete your purchase by clicking on the "checkout" button or simply remove the product from your cart if you decide not to make your purchase at this time.


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Terry Prather, CFP®, ChFC®, MSFS
Family Man, Guitar Picker, Baseball Fan
Wealth Planner
Payne Wealth Partners
601 N Cross Pointe Blvd.
812-477-6221 office
812-602-6307 direct
812-477-0417 fax
Terry Prather tries to strike a healthy balance between today and tomorrow.
In his position as a Wealth Planner with Keystone Financial Consulting, Terry helps families use their financial resources to accomplish what's most important to them. "I help families evaluate and balance their long-term financial independence with all their other life goals," he says. "These families often want to be responsible with the financial resources available to them to do good things for family and the causes they're passionate about. We all make financial decisions every day, and I have the privilege of helping clients make these decisions in context of their long-term picture."
Had he not found college physics to be boring, he might not have ever become a wealth planner. Initially Terry pursued an engineering degree, but lacked enthusiasm for the physics classes in his major. When he switched colleges and changed majors, the pieces began to fall into place. He discovered an aptitude for accounting, and after graduation found himself drawn to financial planning. This desire eventually led Terry to earn the CERTIFIED FINANCIAL PLANNERTM certification and then pursue a Master of Science in Financial Services, and each day he uses this knowledge to help families find that healthy balance between today and tomorrow.
"I enjoy being face-to-face with our clients, and I like being able to explain the more technical aspects, explain how their strategy works," says Terry. "We like it when clients walk away feeling they received a lot of value, that we've used their resources effectively."
As a man with a strong, faith-filled Christian background, Terry devotes a good bit of his free time toward music ministry in his church, New Life Church in Newburgh. Terry and his wife Paula share their talents through singing and playing guitar (Terry) and keyboards (Paula) and are sometimes joined by their three children in this endeavor. They also like to spend time as a family outdoors, visiting Holiday World and Paoli Peaks, riding bikes, hiking, and swimming.
Terry's Area of Expertise:
– Connecting all the pieces of one's financial puzzle to create clear picture and road map
– Helping families achieve long-term financial independence
– Reducing taxes through IRA related strategies
– Coordinating the optimal Social Security claiming solution with a family's primary goals and overall wealth plan.
– Identifying/addressing/evaluating risks that could derail a family's financial plan
My typical weekend…
"…there is a high possibility you would find me and my family enjoying the water during the Summer, whether it be swimming the pool or going to Holiday World. We also enjoy getting outside to ride bikes together and always look forward to making a trip to Owensboro to ride on their family trail. It doesn't hurt that the trail runs into a conveniently placed Dairy Queen either. I enjoy coaching Ryan's baseball team and playing music with the whole family on occasion at church. Lena and Tera sing and play the piano, while Ryan plays several instruments."
My most embarrassing moment…
"…it had to be about 7 or 8 years ago at our prior house in Evansville. For the sake of keeping the house clean, we kept our cat's food and litter box in the garage. To make it easier for the cat to enter and exit the house when it pleases, we bought a little cat door that fit into the bottom of the door leading to the garage. It was a day on a weekend when my wife was gone all day with the kids, so I was home by myself. I thought it would be nice to have the new cat door put in by the time they got back. I took the door off, measured and cut the door carefully, and with little time and effort was able to perfectly fit the cat door into the larger door. This was one of my first home projects, so I was pretty proud of myself! I went to finish the job and put the door back on the hinges only to find that I had put the cat door at the top of the larger door, not the bottom. I had cut and placed the cat door upside down on the actual door. Let's just say that I have progressed my home improvement abilities since then and have not made that mistake again."
Perry's thoughts on Terry in the office…
"There is no one I know that cares more about doing what is right in every situation than Terry. He has amazing morals and I have seen him time and again go out of his way for complete strangers to help them in a time of need. Terry cares deeply about each person he interacts with each day and that is a quality that I admire greatly."
Payne Wealth Partners is ready to help you and your family's future.
We offer complimentary consultations to understand your needs for your future.
Your complimentary consultation will include:
- Discovery and verbalization of personal values
- CFP practitioner to identify potential solutions to better your life
- Uncovered current costs


text: Hi all, I am building package from source downloaded here: https://launchpad.net/invada-studio/+download and this is file I would like to monitor by watch file: invada-studio-plugins_0.3.1-nopkg.tar.gz I tried this forms in watch file: https://launchpad.net/invada-studio/+download/invada-studio-plugins_(.*)\.tar\.gz https://launchpad.net/invada-studio/+download/invada-studio-plugins_(.*)\-nopkg\.tar\.gz https://launchpad.net/invada-studio/+download/invada-studio-plugins_(.*-nopkg)\.tar\.gz I tested watch file and get always error output $ uscan --report-status uscan warning: In debian/watch, no matching hrefs for watch line Is fault on my side or form of monitored file is not valid for watch file? Upstream would like to have two different sources on this sites: 1)with debian directory for people which would like to make their own packages 2)without debian dir for debian packaging needs Thanks for advice/help mira


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Jeff was ordained in the Presbyterian Church in America (PCA) in 2013 after receiving his Master of Divinity from the Washington DC campus of Reformed Theological Seminary. Before that he spent 7 years working as a campus minister at Shippensburg University, and also served as an elder at Hope Church in Shippensburg. Jeff & Amy have been married since 2010 and have two young children. Jeff is passionate about teaching God's word. He loves spending time with his family, and in his free time he enjoys reading, running, playing guitar, trying to get vegetables to grow in his garden, and trying to get his chickens to lay eggs.
Troy is the husband of Jeannine, and the father of three wonderful children, Roman, Jacob, and Megan. Troy and Jeannine recently celebrated 20 years of marriage, and enjoy serving Redeemer Church and her ministries. Troy leads a Community Group at Redeemer and serves as an elder and clerk of session. He also has a blast playing the electric bass on Sunday mornings with the worship team, and in his spare time enjoys a bit of running, skiing, and hunting.
Dan has lived in the Chambersburg area for ten years. He and Jen have been married for more than ten years and have two young children, Adi and Asher. Dan serves as an elder at Redeemer and leads one of the Community Groups. Dan enjoys sports and gaming.


text:
Phone: (289) 320-8250
1238 Dominion Road
Fort Erie, Ontario, L2A 1H7
10-in Carbide Saw Blades Pk/3Tougher tungsten carbide stays sharper longer. Thin kerf for fast and smooth cutting action. Computer balanced plate reduces vibration for improved accuracy and better finish. The set contains: 1x 32TH blade and 2x 60TH blades.
Ecological Attributes
Environmental Issues
This product is eco-responsible because it reduces the impacts associated with the following environmental issues:
Click on the icons
to see why this product is eco-responsible
There are no significant environmental benefits at this stage in the life cycle.
There are no significant environmental benefits at this stage in the life cycle.
1238 Dominion Road, Fort Erie,
Ontario, L2A 1H7
Need help? Call us at
© RONA 2017, All Rights Reserved


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Step 2 is to function with your broker in establishing the most appropriate asking price and place broker and consumer understandings on paper in the type of a listing arrangement. The listing price is the price you agree to promote the business if the broker delivers a qualified laundry equipment buyer willing to buy at that listing price.
You'll also require to determine how a lot you will charge your clients. The two most common techniques I've noticed are either by the pound or by the bag size. If you choose to charge by the pound you'll require to buy a hanging scale (Amazon carries them for $10) and figure out your rate ($1 - $1.50/lbs is the typical). If you choose to use bags you'll require to determine the dimensions and materials desired for you baggage and then find a vendor inside your spending budget. I use a nylon bag that is 22" X 28" and retains approximately two masses of clothes. You can foresee baggage to price you $2 - $4/bag.
Are there any special situations you require to consider? Health issues would be 1 possible thought; for example, if you have a back problem you might need a rental location that doesn't have stairs. An additional feasible circumstance would be if you operate a business out of your home-in that situation, you may require an extra room, independent and absent from the bedrooms.
But often times it's not just the kind of appliances that are important. It's how they are used laundry equipment , particularly when it arrives to your washing device and dryer. Failure to perform routine maintenance on your washer and dryer unit can give you less than optimum performance and can actually price you much more cash.
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Choose treats that are both healthy and simple to eat in the vehicle. Do some additional planning if you are heading to have picnics while en route. You can easily repair a salad by opening a can of tuna or rooster on the top of a premixed bag of lettuce. Crackers and cheese, path mix and cereal bars are all great for the road and they are much more filling than pretzels or chips.
The laundry area is regarded as as 1 of the major locations in homes. It is especially important to moms simply because it make their lives simpler when laundry locations are established-up in a helpful way. This is simply because clothes here are being washed, dried, ironed and folded. This area is considered also to be 1 of the busiest rooms at house.
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If I am pressed I can do a total make-more than in five- laundry equipment six days. Why? Because I know the order and the distributors and can rely on them. if 1 guy shows up a day late, you have to reschedule your entire 7 days's worth of vendors. Discover and create down a schedule that functions for you and keep the distributors numbers and days they are arriving in plain view. Contact to confirm them the day before. It's your occupation to make certain they show up. what does it price them to not get the dates mixed up? Exactly. nothing!
This is the initial important query you have to solution before heading to the rest of the concerns. Why would you want to get involved in a equipment for laundry contemplating there are and there will usually be a handful of fierce competitors? Is this simply because of passion? Is it because of what you've listened to from friends that it's a profitable company? Do you have a readily available sport strategy? Or is it because it's simple to established up? Research fervently, believe repeatedly and solicit thoughts from your family, neighbors, office mates and friends. All thoughts matter. Your answer to this will lead you to your next action plans.
Saving money when you need to get laundry equipment does not always have to mean purchasing a stackable washing established. There are other methods you can get the inexpensive laundry equipment you require and you will not even have to buy the models utilized. This is because there are many washing machine rental places which will allow you get some of the newest models without having to buy them your self.
Often you will discover your self visiting London from Brisbane or the other way around. You will not want to purchase a washing device for such a time period of time. Fortunately, you can invest in renting a washing machine rather than purchasing it. This way when you go back again, you will not have to be concerned about what will happen to the прачечное оборудование. It will merely go back again to exactly where it was rented from.


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Prime Minister of the Republic of Slovenia visits ITF
On 28 April 2015, the Primer Minister of the Republic of Slovenia Miro Cerar visited ITF premises at Ig, Slovenia.
Ambassador Damjan Bergant, ITF Director, and staff briefed PM Cerar on ITF activities and its achievements in the field of post-conflict response with the main focus on mine action. Furthermore, the visit was an opportunity to exchange the views and opinions on future work of ITF focusing on its adopted strategy for the period 2015–2020.
PM Cerar expressed great interest in ITF work and its strategy as well as much appreciation for widening the ITF's geographical focus and scope of activities. Moreover, PM Cerar emphasized that it is of significant importance for the Republic of Slovenia to position itself in the international community with implementation of humanitarian projects by ITF.
Director Bergant stated that the Government support is indispensable for ITF to function as a successful humanitarian organization and at the same time fulfilling the vision the Republic of Slovenia mapped out at its very establishment in March 1998.
The visit was concluded with a guided tour of the unexploded ordnance (UXO) museum by Mr. Stanislav Lotrič, Training Center for Civil Protection and Disaster Relief of the Republic of Slovenia.


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Need a new pair of shoes? Nordstrom Rack is marking down two pages worth of Sam Edelman heels, sandals, boots and sneakers to much easier-to-swallow prices. Basically, if you're looking to put something nice on your feet, they have something for you.
Commerce Content is independent of Editorial and Advertising, and if you buy something through our posts, we may get a small share of the sale. Click here for more.


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The IMA regularly posts vacancies in the museum sector, including all types of jobs in museums, galleries and historic properties. To add your listing, please click here to email us including details of: Closing date for applications; Method of application (e.g. CV and cover letter/ or specific application form); Email address for applications; Clear indication of salary or salary range; Duties; Duration of contract if not a long-term position; Specific requirements e.g. degree, drivers licence; Date of interviews. We can host documents and forms on our website for employers. This is a free service.
We reserve the right to refuse advertising of any post, or internships that do not meet best practice guidelines.
Internships should provide the opportunity to gain valuable experience in a working environment to those looking to explore or gain the relevant knowledge and skills required to enter into a particular career field. These can vary widely in structure, duration, remuneration and outcomes. The IMA would recommend that terms be read carefully before proceeding with an application. The IMA has taken part in the Working Groups of the following Good Practice documents: Best Practice Guidelines for Internships, by Visual Artists Ireland and the Volunteering in the Arts Toolkit, with Volunteer Ireland and Voluntary Arts Ireland.
To receive email updates when new postings are added, please join our email list.
Sorry there are currently no Career postings.


text:
Long slog ends with five 2lb rudd
Hours of walking to find an elusive big rudd finally paid off for Gary Knowles when he banked this stunning 2lb 7oz fish from a river in the Eastern Counties.
The Korum-backed rod made the exhausting journey from his Cheshire base and hiked along the bank to search for signs of feeding fish.
Having walked several miles without any indications, he finally stumbled across a shoal of large fish and decided to introduce small quantities of corn and bread to get the rudd feeding confidently before he started fishing.
A simple waggler set-up baited with a lump of breadflake was eventually cast into the swim and it didn't take long for the float to dip.
Moving swims on a regular basis helped him find numerous big rudd, including a brace weighing 2lb 2oz, another at 2lb 5oz and a couple that each tipped the scales round to
2lb 7oz.
But the result could have been even more memorable. Gary said: "I lost three fish that I am sure were three-pounders. They all made their way into the dense weed that we were fishing close to.
"The Fenland rivers are full of fish and I am determined to get back and break my 2lb 8oz rudd best in the near future," he added.


text:
Quick Details
- Place of Origin: China (Mainland)
- Brand Name: OEM
- Model Number: SW-E40
- Size: 118*54*26.5mm
- Measurement Accuracy: 2mm
- Measurement Range: 40m, 40m
- Bettery: 2*1.5V AAA
- Minimum Display: 1mm
- Laser Level: 635nm class II <1mW
- Weight: 108.4g/245.4g
- Working Temperature: 0C - 40C
- Max Storage: 100units
- Automatic shutdown: 150s
- continuous measurement function: yes
- Area measuremen function: yes
Packaging & Delivery
|Packaging Details
|Normal factory seal packing.
|Delivery Time
|Shipped in 3 days after payment
40m Hand-held Laser Distance Meter Cheap Prices rangefinder Measure Lase .
Laser distance meter has a wide variety of applications in construction and industries. Laser distance meter with Bigger Bubble level .It is very useful and convenient to give accurate measurement of distance, area and volume especially in large areas such as rooms, apartments, buildings, real estates, factories, warehouses, gardens, roads, infrastructures, etc.
- Wide measuring range up to: 0.05 to 40m (0.16 to 131ft)
- High accuracy
- Quick measurement of distance, area and volume
- Automatic Calculation Of area and volume
- Indirect measurement by Pythagorean Theorem
- Continuous measurement
- Min / Max distance tracking
- Easy addition / subtraction of measurement
- Switchable among metre (m), inch (in), feet (ft)
- Easy targeting with bright laser pointer
- Large LCD with backlight
- Display illumination and multi-line display
- 100 data records
- Customize self-calibration
- Bubble level equipped as a spirit level tool
- Auto correction and error report technology
- Low battery indication
- Auto / manual power off function
- Laser distance meter with Bigger Bubble level
- Measuring Range 0.05-40m
- Measuring Accuracy ±2mm
- Measuring Unit mm/in/ft
- Continuous Measurement YES
- Area Measurement YES
- Volume Measurement YES
- Triangle leg Measurement YES
- Max./Min. Measurement YES
- Max storage 100 Units
- Backlight YES
- Key tone YES
- Automatic laser off 20s
- Automatic shutdown 150s
- Storage Temperature -20℃-60℃
- Operating Temperature 0℃-40℃
- Storage Humidity RH85%
- Battery 1.5V 2*AAA
- Size 118*54*26.5mm
Packet Content:
• 1 X LASER DISTANCE METER (without battery)
• 1 X Pouch bag
• 1 X Holding rop
Production Picture:
Transaction History of the Supplier
Below is the information about the supplier's transactions conducted via Alibaba.com. If you require further details regarding the transaction data, please contact the supplier directly.
Transaction Overview
Export Markets
Transaction Details
This supplier has completedtransactions with buyers from .
Shipping Destination
Transaction Value
Transaction Date
Email to this supplier


text:
- Please select a date to see the proper prices!
- Meal can be requested on the spot
Best offer
120.50 € / person / night, no meal
Description of the accommodation:
Rooms, services Amàre Marbella Beach Hotel Marbella is offering 236 tastefully furnished rooms to those seeking accommodation in Marbella. In case you ever feel like eating in, you may taste delicious local dishes in the restaurant of the hotel. For those arriving by car parking is available nearby. Relaxing wellness services will be available to you at the hotel, <a/an> hairdresser's parlour will also be waiting for you. Car rental service will help you discover the most important attractions. The local gym will provide a great opportunity to do sports and exercises. Airport transfer is available upon preliminary request. The café and the bar provide a nice atmosphere for a romantic evening talk or a personal meeting. In the safe your valuables can be the safely secured. The hotel is offering wireless Internet connection (WiFi) without charging extra fees, so you may go online anytime with your laptop during your stay. An exact and detailed list of equipment in the rooms and of the services provided by Amàre Marbella Beach Hotel Marbella you will find on the information sheet below, including any applicable additional fees.
Payment Advance payment by credit card or providing credit card guarantee may be necessary for finalizing the reservation, depending on the chosen date, room and price.
Arrival, opening hours The earliest arrival time is 12:00, the latest time to leave the rooms is 12:00. You will be able to speak with the personnel in Spanish and English languages.
Amàre Marbella Beach Hotel Marbella rooms Rooms
- Please select a date to see the proper prices!
Accommodation services
Parking (15 €/night)
Free WiFi in shared places
Relaxation: Fitness
Car rental nearby
- Wellness section, relaxation
- Jacuzzi
- Pool (Outdoor - seasonally open)
- Hairdresser's parlour
Default services: Garden, Bar, Cafe, Elevator, Safe deposit box, Room service
Airport transfer
Own restaurant
Hairdryer, Mini-bar, Tea/coffee-maker


text:
Why premium domain names?
Recognisable premium domain names immediately heighten your market presence, improve the effectiveness of marketing campaigns and create great buzz around your business. Many internet marketers also believe that first-class domain names offer enhanced rankings, great branding opportunities and an almost instantaneous boost to credibility.
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However your business uses the internet to enhance your offerings, whether you trade 100% online, or whether your website is an additional marketing tool, performance is key. By taking advantage of the benefits a premium domain name can bring, you instantly increase your chances of success.
To see more about how Domains.co.uk works, click here


text:
Recruitment Agency in Osaka
Why Osaka?
Osaka is home to a strong financial services and technology industry, and supports a large number of Japan's largest financial institutions and technology businesses.
Located in the Kansai region, comprising Osaka, Kyoto, and Kobe, our Osaka office is well-placed amongst this thriving job market. With a GDP of approximately 78 trillion yen, across diverse industries including banking and finance, technology, electronics, pharmaceuticals, and construction, Osaka has a wealth of job opportunities available.
This is where Robert Half comes in. We have a long standing reputation as a local recruitment agency in Osaka, known for our ability to connect top companies with high calibre candidates.
Why choose your local Robert Half recruitment agency in Osaka?
When you have a job vacancy which you are struggling to source exceptional candidates for, Robert Half helps to bridge the gap. Our expert recruitment consultants have an extensive knowledge of hiring expectations across a range of industries and areas, and a commitment to recruiting staff who fit the precise needs of your company.
To fulfil our ambition of being the leading recruitment agency in Osaka, Robert Half constantly, and consistently, meet and exceed the expectations of our clients. We do this by understanding your individual recruitment needs as a hiring manager, and using these to pinpoint the best individuals available to fill your vacancy.
Using a long history of solid networking and trustworthy relationships, Robert Half have access to highly skilled workers with the qualifications and attributes to suit specific positions within your industry.
Robert Half have experience in placing candidates in the following careers:
- IT Sales
- Accounts payable / receivable
- Accountant / Senior Accountant
- IT / Business Consultant
- Chief Financial Officer (CFO)
- Finance Manager / Controller
- Project Manager
- Business Analyst
- IT Auditor / Audit Manager
Japan Salary Guides
If you need a leg up against your competition, check out the latest Robert Half Salary Guides. Providing unique insights into current salary trends within the finance and accounting, technology, and banking industries.


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Bkk, Thailand (PressExposure) April 29, 2009 -- Thailand's government handled the political chaos in Thailand from April 10th to 14th, with a step by step response that quickly restored order while dispersing the UDD protestors without consequential violence.
TAT deputy governor for Marketing Communications, Juthaporn Rerngronasa said, "Currently, the situation in Bangkok and Pattaya is back to normal and all attractions, transportations and services are operating as usual. Travelers will be able to obtain tourism updates from Thailand Tourism Update site (http://tourismthailand.org/thailandtourismupdate/). The authority also handles travelers' enquiries on travel community websites by providing them all true and up-to-date information."
Stephen Cleary, a journalist based in Thailand, reported that, tourists outside of Bangkok, such as those in Phuket and Chiang Mai, were mainly indifferent to any problems occurring" Cleary also remarked. "The protesters have been cleared away without any real threat to the safety of tourists and expatriates in the country. Even during recent tensions, tourists have generally been unaffected".
Mr. Sangdo Lee, owner of http://www.hotelthailand.com (one of the biggest Online Travel Agents in Thailand), discussed tourists informed decisions to maintain their travel plans: "Currently, travelers who postponed their trips have now confirmed as earlier booked. Whereas, free independent travelers, who booked their trips online, mostly did not panic as they updated themselves through all different channels. However, other destinations in Thailand are not affected with the number of tourists visiting except Bangkok and Pattaya which have been affected very less at about 3%."
Moreover, a TAT Deputy Governor confirms that some of the trade-show and road-show activities will still be held as earlier planned, including Arabian Travel Market (ATM) in May, Asia Luxury Travel Market (ALTM) in June, Indian International Travel Mart (IITM) in July, Amazing Thailand Road Show in Korea, New Zealand, Australia and Indonesia in April, May and August, respectively. Furthermore, upcoming events for travelers that were scheduled in near future will be held as usual. The events include Thailand Golf Travel Mart in May, Thailand Travel Mart Plus 2009 in June and Amazing Thailand Grand Sale in June - August 2009
For interview clips taken from tourists in Pattaya, Bangkok and Phuket discuss the minimal impact on their trip caused by the political chaos, please visit [http://amazingthailand.tourismthailand.org/thailand_tourism_update/travelers_clips.html]
Contact Point
Call Centre - 1672 or +662 652 8313 http://www.tourismthailand.org/thailandtourismupdate
For Traveler - email at email@example.com For Media - email at email@example.com For Trader - email at firstname.lastname@example.com


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This set of pages has links to documents and publications of
interest to the Staying in Control learning community.
You can also find resources and materials related to issues
surrounding mental health, self-directed support and
Staying In Control evaluation baseline questionnaire for
Staying In Control evaluation follow-up questionnaire for
Staying In Control evaluation questionnaire for carers
Staying In Control evaluation health staff questionnaire
This paper, written by Jim Rogers, examines some of the
arguments for allowing personal health budgets to access
complementary and alternative therapies and medicines (CAM) and
highlights some of the potential objections and obstacles to
A document from Carers UK describing the benefits for families
of direct payments.
we are to take forward a meaningful and sustainable change in the
way individuals relate to the health service, it will be essential
to have people on board who have experience of being patients. They
can help us drive forward this evolution, ...
Robert Murray-Neill et al., 2008
New policy paper, written by Vidhya Alakeson, arguing that
individual budgets can create a more patient-centred and integrated
health and social care system.
Latest strategy paper published by the coalition government aims
to transform the mental health and wellbeing of the nation and
achieve parity between physical and mental health.
Last Updated : 17 January 2011. Page Author: Paul Ferguson.


text:
Discussion in 'Music Discussion' started by Night Prowler, Jan 9, 2012.
Thought so.
Good for you. But what's your and Perun's own provable definition of an artist?
Album sales could be not part very important in that definition.
2016. Metallica has sold more than 200 million albums worldwide, with over 60 million records in the United States alone (54,365,000 albums since 1991 when SoundScan started tracking actual sales figure).
As of January 2016, she has sold an estimated 27 million albums and 146 million singles worldwide. She has also sold around 7.25 million singles in the United Kingdom, and 10.4 million albums in US; in the latter country she is the first and only artist to have two songs pass 7 million downloads ("Poker Face" and "Just Dance"). According to the Recording Industry Association of America (RIAA), Gaga is the fourth-best-selling digital singles artist in the United States, with cumulative single certifications of 59 million digital downloads and on-demand streaming.
I would not be surprised if Metallica sold more albums when they had an eight an a half year long discography (this includes The Black album).
Latest album figures (Metallica's latest album was released one month earlier than Lady Gaga's):
Metallica: Hardwired... to Self-Destruct
Released: November 18, 2016
Worldwide: 2,500,000
RIAA: Gold
ARIA: Gold
BPI: Gold
BVMI: 3× Gold
MC: Platinum
RMNZ: Gold
Lady Gaga: Joanne
Released: October 21, 2016
BPI: Gold
MC: Gold
Lady Gaga a bigger artist? Well, she is a huge (digital) single artist. Album wise, Metallica is out of her league.
Yes, Lady Gaga is a pop artist, but Metallica is so big that they dwarf most pop artists.
As I said, artists of different eras. Lady Gaga's first record came out in the same year as Death Magnetic. Physical copy sales are way down across the board. Metallica also put out 5 more studio albums. Most of Lady Gaga's generation of fans are millennials who are used to digital downloads.
And even still, as you can see, the gap between their latest album sales isn't huge. And that's with Gaga's album not receiving a good reception. The argument is not huge enough to trump the other arguments.
Were Metallica bigger than Lady Gaga in their primes? Absolutely. By quite a margin. But currently? Probably not.
That's a textbook example of moving goalposts. You challenge a claim, somebody else asks you for evidence, and you demand that a completely new claim that you make should be disproved instead. Wonderful.
@Perun: Eh..? No. Read my post again. Perhaps 'judge them by their fruits' is more to your distinguished taste.
Even if Lady Gaga was more popular than Metallica -- which I doubt she is --, it wouldn't make her a 'bigger artist'. Otherwise, you, Perun and Flash, might have been able to answer my counterquestion. Popularity ≠ artistry.
Lady Gaga as 'Metallica's new lead singer' won't result in more than a bit of very temporary commercial value. It isn't ever going to be more than an ad hoc fun thing anyway (and why not?), so there's no point in getting all worked up about it.
To discuss this (even remotely), it would be handy to know what people take into account when measuring greatness (or size).
I find album sales and audience figures (concert attendance) important.
Artistic integrity is also a factor I find very important, but this is (more) difficult to express in numbers.
I have no idea what you're talking about.
Can someone direct me to the Metallica thread?
We're not exactly talking about two non-Metallica artists.
The conversation is about which musical artist is commercially bigger. Nothing else. You're moving the goalposts by trying to incorporate artistic validity into it. Got it?
Because they fit your agenda, right? Digital album sales, physical single sales, digital single sales, online streaming, none of that matters, because they favor Gaga in a big way.
Are you suggesting Lady Gaga does not have artistic integrity? If so, that's a conversation ender right there because that's absolutely proposterous.
We're talking about Metallica and Lady Gaga after Lars Ulrich said they'd like to incorporate Gaga into Metallica as a 5th member. Very non-Metallica related, I know.
Before this comparison started, I already found albums more important than singles. Albums focus on bigger works, on wider range of music.
You can't use a greater number of albums against the size of an artist. It's part of it.
We're individuals having and forming opinions on this discussed matter. There is no rule to measure an artist's size. That's why we contribute individually.
So cut the agenda crap man. Cut the insinuations. It doesn't make the discussion better. I really don't know what moves you do change the tone. Maybe it's convenient for you but I wish you would see it's completely unnecessary. And very unpleasant too.
I apologize for my accusational tone.
Would you at least agree that Metallica isn't "way" bigger than Gaga and they're at the very least comparable?
Thanks. Taking everything into account, probably yes.
I think from a musical/artistic perspective history won't view either particularly favourably; but Gaga still has the advantage (over Metallica) of years to develop & keep producing music. I'm not personally making claims to her musical greatness (right now), but I don't see anything to indicate she won't keep developing as an artist. Metallica on the other hand haven't done anything interesting in decades.
That ("way" bigger) was indeed nonsense Foro. As others have said; in their day, maybe. The gap isn't (or at least doesn't feel) that big though.
Beginning of discussion: Lady Gaga > Metallica
"End" of discussion: Lady Gaga < Metallica
The discussion was about who is a 'bigger artist', so it might be allowed to note that commercial success isn't what makes an artist big @The Flash. IMO. If my reply was too spartanic, I apologize as well. Still, no need for 'thought so'.
It's the artist's *work* @Perun, ok? Again, IMO. Feel free to disagree.
Again, no need for personal attacks. After all, we all love Metallica.
The problem seriously was that your contributions were so vague and nondescript that it was not clear what you were trying to tell us or where you were coming from. Your point that a "big artist" is not by defined commercial success was not clearly made in the beginning, but instead taken as something obvious. It may be obvious from an artistic point of view, but this point of view was not advanced. Instead, two definitions of the word "big" were thrown against each other with no clarification, and this way, a misunderstanding occurred with the outcome we observed. Sometimes it's helpful to use precise language when trying to get a point across.
Is it a bad thing that the outcome of a discussion is the polar opposite of the premise it started with?
Separate names with a comma.


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June 21, 2006
In Quebec, full-time day care costs just $7 a day -- Canadian dollars, at that -- thanks to a government program. Starting in 1997, the Quebec Family Policy subsidized day care for 4-year-olds at government-approved centers around the province. By 2000, the program had expanded to cover any child not old enough for kindergarten, all the way down to infants, says the New York Times.
Almost a decade after the family policy started, however, there was still a big mystery about it. Nobody had done the work to find out how it had affected children. The province was spending $1.4 billion a year on a grand social experiment, yet no one had bothered to look at the results until economists Michael Baker and Kevin Milligan and Jonathan Gruber took up the challenge. They found:
- Young children in Quebec are more anxious and aggressive than they were a decade ago, even though children elsewhere in Canada did not show big changes.
- The effects weren't that great for parents either; more of them reported being depressed, and they were less satisfied with their marriages -- which also didn't happen in other provinces.
The big lesson from Quebec is that parents really do need more support, but they need the kind of support that allows them to choose what is best for their family, says the Times.
Source: David Leonhardt, "The Price of Day Care Can Be High," New York Times, June 14, 2006.
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Introduction to the Physics of Cohesive Sediment Dynamics in the Marine Environment
J.C. Winterwerp , W.G.M. van Kesteren
Editura: Elsevier Science Ltd
Presents an introduction to the physical processes of cohesive sediment in the marine environment. This book focuses on highly dynamic systems, such as estuaries and coastal seas. Processes on the continental shelf are also discussed and attention is given to the effects of chemistry, biology and gas.
- Limba : Engleza
- Cuprins : 1. Introduction. 2. Boundary layer flow. 3. The nature of cohesive sediment. 4. Flocculation processes. 5. Settling and sedimentation. 6. Sediment-fluid interaction. 7. Self-weight consolidation. 8. Mechanical behaviour. 9. Erosion and entrainment. 10. Biological effects. 11. Gas in cohesive sediment. Appendix A: Nomenclature. Appendix B: Definitions and useful relations. Appendix C: Measuring techniques. Appendix D: Tensor analysis. Appendix E: The 1DV Point Model.
- Data Publicarii : 18 Aug 2004
- Format : Hardback
- Numar pagini : 576
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'Banks aren't markets. The market is amoral. The market doesn't care who you are. You're a trade'
China. The crash. The recovery. John Micklethwait gets the view from the very top on Park Avenue
What is the future of finance? Will Silicon Valley challenge Wall Street? Can China build global banks? There are few better places to contemplate such questions than Jamie Dimon's office, high in JPMorgan Chase's HQ in New York above Park Avenue. It's now more than three decades since Dimon, the son and grandson of stockbrokers, teamed with Sandy Weill at American Express.
Together they helped transform the financial industry - first at Travelers and then with Citigroup. Ousted by his mentor, Dimon became chief executive officer of Bank One, which he later sold to JPMorgan.
In Dimon's 10 years as CEO, JPMorgan Chase has delivered a higher total return than every major American bank except Wells Fargo. Dimon has also endured setbacks, such as the huge trading losses run up by the "London Whale" and more than $36bn in settlements and fines since the financial crisis.
Over Dimon's career, financiers soared to become glamorous masters of the universe only to crash to earth in the credit crunch. Regulators who once set banks free to merge with brokerages and expand around the world are now keener to shackle them. A bank as sweeping as JPMorgan would be tougher to build today. Here Dimon reflects on his career, names his biggest mistakes, and looks to the future.
John Micklethwait: Your career has seen a host of companies trying to challenge the status quo in finance; some have succeeded, others fail. The new threat is Silicon Valley. All kinds of fintech startups are coming for Wall Street. Where do you feel most vulnerable?
Jamie Dimon: The best way to look at any business is from the standpoint of the clients. So there are these certain basic things that aren't going to change. Companies are going to have needs for equity, debt, advice, FX, and derivatives. Individuals are going to have needs for loans, mortgages, something that looks like a deposit account, and the ability to send money to people. Those things aren't going to change.
JM: Won't technology change some of them?
JD: My father and grandfather were stockbrokers, and they would actually take stock certificates from a vault, give it to a runner, and send it to another vault. Then somebody said, "Let's digitise it and have one vault." Now the DTCC clears and settles almost everything, and the cost of doing a trade is a tenth of what it was before. We use technology to make it cheaper, better, and faster for the client. And then if you have the most flow, you can win. Now, having said that, Silicon Valley wants to take on this business. They think they see an opening.
JM: Is there a meaningful one?
JD: Let's look at lending, where they're using big data for the credit side. And it's just credit data enhanced, by the way, which we do, too. It's nothing mystical. But they're very good at reducing the pain points. They can underwrite it quicker using - I'm just going to call it big data, for lack of a better term: "Why does it take two weeks? Why can't you do it in 15 minutes?"
For example, they might lend to one of our customers who's got a $200,000 JPMorgan Chase loan, and this person wants to get another $20,000 for a new truck or a piece of equipment. And what does he do? He goes with them, because he gets it in 15 minutes. If he goes back to the bank, he may have to go through this whole big long process for that $20,000.
Can we do something like that? Of course we can. I've asked our people, "Why don't we just put a revolver on top of our basic loan?" Make it easier for the client. If you ask me, the biggest risk will be in the payment systems. I think the banks are pretty good at using digital technology to make it easier for customers. We have 23 million customers who bank on their phones now. It will be a challenge for anyone to be better, faster, cheaper than us. But some people think branchless banks can compete, and that can prove true in some cases.
JM: Isn't part of the reason it's harder for you is because you're regulated in a way they're not?
JD: Not for the loan example I mentioned. It might be harder for us to charge a higher interest rate, like they do, so it might not be as profitable for us. But we can either compete or partner, like we've announced with On Deck, which does some of the stuff we just spoke about.
JM: But these new players are going to keep coming at you. When you look forward to what a bank actually looks like in 10 years, is it still that list of things you gave me earlier?
JD: For the most part I think those things will still be taking place in the banking system, although some will maybe move on. I'm hoping not the main payment systems and deposit businesses, but it's possible someone comes up with something great.
JM: What challenges do you see for fintech?
JD: One of the issues with some of these lenders is going to be, where will their provider of credit be when there's a crisis? That's why some of these smarter services, to support their operations, are courting more permanent capital. They want a source of longer-term funding that can survive a crisis.
JM: So you're not worried the regulators have given these new startups too much leeway?
JD: No. Look, if they become big and significant, they're going to be regulated, too, eventually. The government isn't going to say, "We're going to regulate banks, but we'll leave these other companies alone." I think the regulators want to make sure that they have some form of regulation on anything systemic. We like our hand. But, you know, honestly, who owns the future? Just because you have a good hand today doesn't mean it's good tomorrow. And some of the things we're doing may become very disadvantageous at some point.
JM: At Davos I moderated a panel where Blackstone's Steve Schwarzman effectively said, "My policy for making money is to get everywhere that a regulated bank can't." I know you're generous, but surely that irritates you.
JD: We make money, too, so I'm not that upset. I expect them to do that; that's what they do. Banks don't want certain asset classes, and that's created opportunities for private equity, hedge funds, Silicon Valley. In this case I think he was referring to some of the European banks shedding assets, and the big buyers are probably not going to be big American banks. Someone like Blackstone may have a very good chance to buy those assets, leverage them, borrow up a little bit, and do something good there.
JM: Are there parts of finance, though, that you think are better done by non-banks?
JD: You've seen certain credit type products that are going to be in non-banks, like sophisticated CLO [collateralised loan obligation] tranches and stuff where the capital charge is so high a bank simply will not own it. Someone will buy it, hedge it, trade it. But it won't typically be a bank.
JM: You mentioned Europe. Why have the banks there generally come back from the financial crisis less strongly than American ones, especially seeing the crisis started in America?
JD: I haven't studied it deeply, but the American banks started the crisis with far more capital and what I would call "good liquidity". The riskiest funding is unsecured wholesale funding. It's the most fickle. Not repo, which the government focused on, too. Unsecured. JPMorgan Chase had almost none of that -virtually zero. Some of these other banks were at 30pc. We also had far more capital, partly because our models demanded it. We think that for some institutions, for exactly the same book, they were holding half as much capital. I also think the US regulators were much tougher quicker.
JM: How much of it was the banks' fault?
JD: I don't want to put all the blame on them. Remember, in those countries, their positions were often sanctioned by their regulators and governments. That's how it ran, and it ran quite successfully for a long time. And so it was a bigger rule change for them than it was for us.
I also think you have to be very careful. I mean, the heritage of our company is very strong, and building some of these businesses into leading players is extremely tough. You and I can both build a trading business, and it looks like you're doing OK, and it looks like I'm doing OK. But, really, I am, and you aren't. It comes down to the quality of clients, quality of systems, quality of risk controls.
If you're making all your money simply betting on interest rates, that's not a business. Flow is a business. On the outside, they look the same for a while. But when you dig into them, no, they weren't exactly the same.
JM: And for the Europeans, was the euro crisis a big distraction?
JD: Yes, that probably made it a little bit worse. And, remember, part of the concept of the Eurozone was to establish a common market. The banks were going to bank across all their countries like we bank across states. But that concept got killed for a whole bunch of reasons that I won't get into. That was a good concept, by the way. It may yet return, because there are huge economies of scale in banking. That's another thing people don't quite get.
JM: This is your 60th birthday. You've been in the industry for more than three decades now. Your grandfather and father were both stockbrokers ... Back then, being a stockbroker wasn't a mundane career, but it wasn't an amazingly glamorous one either. That all changed on your watch. Financiers rose to become "masters of the universe." Now they are often vilified, albeit very well compensated. Can you explain that story? What changed?
JD: Finance went from being a small business, effectively, to being a big business. In part, that's the growth of the world's wealth. That's called savings. As countries get wealthier - all of them, together - you're going to have financial assets. That is a good thing. You could argue the assets were traded too much, or that they're too highly valued, or too leveraged. But in general, as countries get wealthier, there's going to be more savings, which means you're going to have intermediation. So part of it is just the huge growth in wealth, and part of it was globalisation - these companies, these clients getting much bigger and much more global.
JM: And how has regulation changed?
JD: From my point of view, the American financial system - including banks and investment banks - is far safer because of capital and liquidity requirements. Despite all the turbulence so far this year, I don't think anyone's questioning our system. And that, obviously, is a good thing.
JM: How have the regulators themselves changed in your career?
JD: I think one could argue that there's more political input into the regulatory side, and on the regulatory side there seem to be fewer people with financial and banking experience - there are more lawyers, academics, economists, maybe politicians, now.
JM: And that's to the detriment of the system?
JD: I'm not going to say that, because then I'll get in trouble. Look, in any system, you want highly ethical people who really understand issues to form policies and make tough decisions. You need all the right people in the room. But there's a general view in Washington now by many politicians that if you ever were on this side, you're conflicted for being on that side.
JM: Were you surprised by the technocrats in China who seem to know about markets, and then suddenly they were pulled apart?
JD: A little bit, yes. First of all, in 20 or 30 years, China will probably house about 30pc of the world's largest companies. They'll probably be a fully developed nation. The road there just is not going to be that easy. You're going from a macromanaged, top-down economy to a market-managed, micromanaged type of economy, with all the potential corruption issues, SOE [state-owned enterprise] reform, and market reform that come with it. And I think what you've seen them do recently in the markets is what most of us learn doesn't ultimately work. But I think everyone has to figure that on their own.
JM: I suppose one problem in China was the political intervention, and the other was that the technocrats weren't quite as good as we thought. Was there any element that was because the technocrats weren't ex-bankers -that they tended to be, as you said, economists?
JD: They have very smart, experienced people. I don't want to paint them all with the same brush. There was a little bit of a feeling that the stock market, which went from something like $4 trillion in valuation to $10 trillion, that the Chinese wanted that. In the summer months, something like 120 million retail accounts were opened. People thought they were going to make a lot of money. And then at one point, it got too hot, and the government wanted to knock it down. Trying to get it up and then knock it down, both were a mistake. And part of the reason, some people think, is that they wanted to equitise some of their companies. A healthy stock market helps equitise companies and reduce the country's debt burden.
JM: Where will China's banks be in, say, 20 years?
JD: My guess is the big Chinese banks will be in 100 countries by then. They will have very sophisticated operations, and they may very well have bought banks around the world in countries that allow it. I mean, I don't think the American government would allow them to buy JPMorgan. But they will be able to buy a sizable big bank in the US at some point. Whether they do or not, or if it's allowed or not, I don't know.
JM: Would you accept that the idea of a universal bank, despite your success, has on the whole, in the West, fallen out of fashion?
JD: Not with the customers, which is where you need to start. Look at it from the standpoint of the client. Our global corporate investment bank competes with Goldman Sachs, Citibank, and a bunch of others that are in those businesses. We may have slightly different products or services, but so what? That's always been true in American business. Our investment bank looks like it does because its customers like our expansive network and want to do equity, debt, M&A, custody, move money, deposit money, etc.
JM: What do you ask people before they come to work for you?
JD: I always tell people, "There's a book on everyone." I get some of that book before I do anything. If I want to deeply understand someone's reputation, I'll talk to their friends, their former bosses, their peers, and I'll learn a lot about them. I want them to be trusted. I want them to be respected. I want them to give a s---. Then there are the intangibles: physical and emotional stamina, the ability to confront issues. I can ask all I want about those things, but I also have to see a lot of it.
JM: What's the best way to make an impression?
JD: I want you to say to me right from the start, "We are here to serve customers. We're not here for me to make a lot of money. We're not here to bet on interest rates or credit spreads. We are here to serve our customers really well over a long period of time, and that's how you build a successful business." And so I want to see that, too, you know? And if you're going to be a leader, you know what I ask myself? Would I want to work for you in this job? Would I let my children work for you? Would I give you this job if I wasn't there to provide oversight? If you went to run another company, would I, as an investor, invest in that company?
JM: So how do you balance that with the "London Whale" trading disaster, where you'd left people to get on with it, and it came back and hit you?
JD: Look, every institution will make mistakes. I acknowledge we make mistakes, and they can hurt my reputation and our company's. But you also must be willing to let go a little bit, trust others, and not always be so stringent, provided you have robust controls. If I ran the whole place like it was my way or the highway, we would not be as good a company. I'm going to have mistakes-they'll be made on my watch and will embarrass me. But I'll also make sure the company learns from them so it can become a better company. I do think I could have spotted it, though. That's why I'm so mad at myself. I could have, the heads of our risk groups could have, several people could have.
JM: What's your biggest mistake?
JD: I've made so many. The toughest are people mistakes, when you put the wrong person in a job. Sometimes you're too slow to move them out. Or not getting the right people involved to solve a problem, or doing something out of anger; you learn, just don't do that.
JM: Why does an overall reputation matter that much, if individual customers know you and trust you?
JD: That's a very good question, but remember, we have 200,000-plus employees who are on the front lines and see firsthand the populist anger, deserved and not. Regulators, litigators, Department of Justice, governments-they all see us every day. They show the charts of all the settlements; JPMorgan is always up there. That's a negative message for our company, our clients, our reputation. But I understand your point, too. For a lot of clients, it didn't affect their view of us.
JM: You're saying your image, it's changed. That's a huge thing.
JD: Well, look, if you were the American public, you saw a catastrophe. In general, you would say, "The biggest institutions of America -Washington, broadly, and Wall Street, broadly -they're to blame." And, broadly, they're right.
That does not mean everyone did something wrong. Not every company went bankrupt. Not every bank needed TARP [Troubled Asset Relief Program]. So I'm very proud that JPMorgan, throughout that time period, was completely steadfast. Remember that banks aren't markets. The market is amoral. The market doesn't care who you are. You're a trade to the market. The market will sell you if they think you're riskier. Banks didn't do that.
JM: Banks are more moral than markets?
JD: Yes, because a bank is a relationship. I can't desert you and expect to have a strong relationship afterward. If I told someone, "I know you've been buying milk from me and you need milk to survive. But the price is no longer $2 a gallon. It's going to be $40 a gallon. I'm going to bankrupt you." What do you guys think of me? You would hate us. I mean, obviously some of these banks did bad stuff. Yet even in the depths of the crisis, banks didn't materially change the prices for clients.
Banks also have to say no to customers. We can't always give clients what they want; it may not be in the client's best interest. When you walk into a store and you want to buy something, you give them cash and they sell it to you. But very often, you walk into our "store" and you want something - a credit card, maybe, or a loan - and very often the answer is "No," even if you're a large corporation. And so we have this relationship with our clients where sometimes, because we want to help them, we have to say no.
JM: I suppose there's an image of finance, and then there's an image of capitalism - the general idea that capitalism is there to help, that it's an integral part of society.
JD: I think the free-enterprise system has been great for society. That doesn't mean it's completely perfect. And also, when people say capitalism, I'm not really sure what they mean. I've been regulated my whole life. We have progressive taxes. It's not a free-market free-for-all. I completely understand that society has a perfectly legitimate right to put in structures and regulations and rules that make it fairer, better, cleaner.
JM: So let's bring it back to you. Has your view of what finance does changed over time? Have you been forced to actually think harder about what exactly the role of finance in society is?
JD: I've always wanted to help build a better society and build a better company, and I always wanted a healthy, vibrant company, a healthy, vibrant society. We take care of our people, we provide them with opportunity. But I've always believed business is here to serve your clients, your shareholders, your communities. If we do this well, everyone benefits. We have to do a good job for all of them.
John Micklethwait is the editor-in-chief of Bloomberg.
• 1956: James "Jamie" Dimon is born in New York. His father and his grandfather, a Greek immigrant, were both stockbrokers.
• 1982: Harvard MBA in hand, Dimon spurns Goldman Sachs and Lehman Brothers for American Express, where he joins Sandy Weill, whom he had courted with an essay.
• 1991: Weill, now Primerica chairman and chief executive officer, makes Dimon president.
• 1993: Travelers and Primerica merge; Weill is again CEO/Chairman and Dimon president at Travelers.
• 1998: Travelers merges with Citicorp to create Citigroup, the world's largest financial conglomerate. Weeks after their biggest achievement, Weill fires Dimon, ending their 15-year relationship.
• 2000: Following a year in the wilderness (and a job offer from Amazon.com), Dimon joins the ailing Bank One in Chicago as CEO.
• 2004: JPMorgan Chase acquires Bank One, creating a rival to Weill's Citigroup. Dimon returns to New York and is made CEO the next year.
• 2008: JPMorgan weathers the financial crisis better than any US bank, and Dimon snaps up Bear Stearns and Washington Mutual.
• 2011: JPMorgan becomes the biggest US lender when Bank of America dumps assets.
• 2012: Dimon initially dismisses questions over the so-called London Whale as a "tempest in a teapot"; the trading loss eventually totals $6.2bn. The next year's regulatory probes cost JPMorgan more than $23bn in settlements.
• 2015: JPMorgan posts a record $24.4bn in profit. Dimon's compensation: $27m.
Indo Business


text: Steeda Stepped Spacer for Upper Control Arm for 2005-2010 Mustang.This 2-piece spacer eliminates noise sometimes attributed to the installation of an aftermarket upper control arm.At the attaching point for the upper 3rd link to the chassis mount Ford uses a 14mm bolt, but the opening in the mount is 16mm. with the OE hydra mount, this is not a problem. But when aftermarket link is installed, you may have noise. The stepped spacer fills the gap & eliminates all noise from the upper.Related Parts:-Steeda G-Trac Suspension Kit, Stage 1, #5552114; Stage 2, #5552224; Stage 3, #5552350


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Anantnag Police is continuing its drive against Poppy cultivation by destroying Poppy cultivation in village Liver, Batpora, and Saller. Anantnag Police in presence of Executive Magistrate launched a drive against contraband cultivation and destroyed the poppy spread on 20 kanals of land in village Liver,Batpora and Saller area of Srigufwara, Anantnag. On the direction of SSP Anantnag Shri Zubair Ahmed Khan, a Police party headed by Incharge SHO Srigufwara under the supervision of SDPO Bijbehara conducted a drive against the contraband cultivation of Poppy. The drive was highly appreciated by general public of the area and thanked Anantnag Police for continuing its drive against drug cultivation menace.
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Breath of Fire III
Change names
Go to the fairy village and make a casino with three fairies, then go talk to the third fairy in the room and she will allow you to change the names of any of your party members or fairies.
Contributed By: Fragnarok.
Continue after The End.
If you wait until the credits are done completely you will see a picture that reads ''Fin''. Wait at that screen and keep pressing Start. The screen will fade away. You will be asked to save. You can now continue after beating the final boss.
Contributed By: Tion2.
Control Kaiser form, full power
To control the kaiser form with out sacrificing power by using the failure gene, simply use these three genes: "Infinity", "Radiance", "Trance". It does not matter which order you choose, as long as it is those 3 genes.
Contributed By: ryo_strife313.
Control the Kaiser
To be able to control the Kaiser, add the Failure gene to the Infinity gene when transforming into a dragon.
Contributed By: Chocobo_loco_90.
Know Something We Don't?
You can submit new cheats for this game and help our users gain an edge.
Have We Been Fooled?
You can submit a problem report for any non-working or fake code in the lists above.


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Results 1 to 5 of 5
May 16th, 2004, 09:27 PM #1
- Join Date
- January 18th, 2005
- Posts
- 276
You might have seen my recent post regarding a problem I'm having with getting credit for sales through Intrepid. Perhaps others (CJ, SAS, Performics, etc) as well.
Anyway the problem it seems is that all my page urls are upper-lower case - using the names or titles in the feeds I get. Pages created: i.e. Sword_X.htm vs sword_x.htm.
As it turns out my server is case sensitive and my sales won't track because the referring URL is not all lower-case.
If I was to redo my entire 600 mg of files (yikes) - how can I get all the category, subscategory and names in the feed to lower case before creating the pages. I looked in Excel and can't find it. Does WEBMERGE do that? I never knew it was an issue until last night.
WS_FTP will force lowercase to the server but it doesn't change the link inside the page content - hence nothing I have will work unless I redo everything.
Does this make sense?
May 16th, 2004, 11:30 PM #2
- Join Date
- January 18th, 2005
- Posts
- 532
NoteTab will convert teXt CaSe but I'm not sure what the max file size is...
May 17th, 2004, 03:46 PM #3
If you use Excel to tweak your feeds, try using the formula =LOWER().Scott
If you can't dazzle them with brilliance, then baffle them with bulls#!t
Don't tell me that you'll do it... SHOW ME.
Just because everyone else is drinking it is no reason for me to drink the KOOL-AID.
May 18th, 2004, 12:09 AM #4
- Join Date
- January 18th, 2005
- Posts
- 92
Hi John,
Is this really correct? i mean i dont see any problem (or at least none that i know of) with pages using either UPPER case, lower case or a combination of the both.
On some sites i use the product name of the datafeed as page name and run it on webmerge. I am getting sales and dont experience any prblem with it so far.
Is this problem applicable with other networks or just intrepid?
Anyone else having the same problem?
May 18th, 2004, 06:59 AM #5
- Join Date
- January 18th, 2005
- Posts
- 276
Hi TNT;
Ok, after freak'n out for the last few days, and asking around, it seems that only the Kawabunga? (KB)software used by Intrepid is having trouble with my site. I checked and found others have no similar problem (e.g. SAS, LS).
I am expecting to hear of the fix to the issue with KB soon.(Tonight/Tommorow?)
So, what I've learned is, there is no problem with varying Text Cases - A big relieve, hell this is all confusing enough as it is.
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X-rays are an important part of the dental care plan. They are mostly used for diagnostics as also for preventive measures to aid the diagnosis of oral issues. X-rays are a type of radiation which are absorbed by the denser tissue and pass through soft tissues. Since bones and teeth are dense tissues, they absorb these rays and form an image. Dental x-rays serve various purposes such as glancing at tooth roots, searching for cavities, and checking the status of a developing tooth.
The global dental digital x-ray market is anticipated to register a high growth rate during the forecast period due to technological advancements in analogue x-rays. Furthermore, the surge in dental disorders as well as in the geriatric population, easy usage of the equipment, quicker results, rising demand for cosmetic dentistry, and the growing usage of dental implants, orthodontics, and prosthetics are the factors expected to drive the global dental digital x-ray market through 2025. On the other hand, the high cost of the equipment and lack of reimbursement could limit the development of the global dental digital x-ray market during the forecast period.
The global dental digital x-ray market can be segmented by type into the following divisions: intraoral x-rays, extra oral x-rays, and others. On the basis of application, the global market can be divided into the cosmetics, medical, and forensics segments. The medical segment is likely to dominate the global dental digital X-ray market over the forecast period due to its extensive usage in dental diagnostics and treatment. The cosmetics segment is anticipated to expand at a robust rate by 2025 due to the popularity of cosmetic dentistry.
Based on modality, the global market is split into the following categories: portable x-ray systems and stationary x-ray systems. Portable x-ray systems are projected to occupy a major share in the global market during the forecast period due to factors such as easy usage of the equipment and high technological advancements. Based on end-user, the global dental digital x-ray market is classified into the following groups: dental clinics & hospitals, academic & research institutes, and forensic laboratories.
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Geographically, the global dental digital x-ray market is distributed over North America, Latin America, Europe, Asia Pacific, and Middle East & Africa. North America holds a major share in the global market in terms of value and volume due to technological advancements, the shift from analogue to digital systems, and the rising incidence of dental disorders among children and young adults in the region. Asia Pacific is estimated to register rapid growth in the global market due to the increasing health care expenditure in developing economies such as India & China, the densely populated countries, rising geriatric population, and growing incidence of in dental disorders due to prevalence of unhealthy lifestyles in the region.
Due to rising competition in the market, companies adopt various policies including strategic alliances, forward & backward integration, new product development, and mergers & acquisitions in order to sustain in the global dental digital x-ray market. Key players operating in the global market include DEXIS LLC., Carestream Health, SUNI, LED Dental, THE YOSHIDA DENTAL MFG. CO. LTD, Dentsply Sirona, SOREDEX, PLANMECA OY, CEFLA S.C, and AIR TECHNIQUES.
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Already a paid subscriber but not registered for online access yet? For instructions on how to get premium web access, click here.
'Designer Showhouse' with raised basement in Mandeville tops weekly sales
A look at the highest- and lowest-priced home sales in the New Orleans area and the agents who closed the deals.


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James E. Enstrom, Ph.D., M.P.H.
Summary Biography
In 1965 Dr. Enstrom graduated co-valedictorian of his class at Harvey Mudd College in Claremont, CA, where he obtained a B.S. in physics. In 1970 Dr. Enstrom obtained his Ph.D. in elementary particle physics at Stanford University from Nobel Laureate Melvin Schwartz. During 1971-1973 he worked as a physicist at the Lawrence Berkeley Laboratory in research group of Nobel Laureate Luis Alvarez. He then came to the UCLA School of Public Health as a postdoctoral fellow in cancer epidemiology and received an M.P.H. and postdoctoral certificate in 1976 from renown public health epidemiologist Dr. Lester Breslow.
He then joined the UCLA School of Public Health faculty as a Research Professor / Researcher and he held that position for 36 years until June 2012. He currently retains a similar affiliation with UCLA, although he is now drawing retirement. He has been a Fellow of the American College of Epidemiology since 1981, he has been listed in Who's Who in America since 1990, and he has been President of the Scientific Integrity Institute since 2005.
During his long career, he has explored many important epidemiological issues, particularly focusing on California. A major theme of his research has been identifying lifestyle factors which reduce mortality from cancer and heart disease and increase longevity. An example is his long-term study of religiously active California Mormons. Their healthy lifestyle, which includes avoidance of tobacco and alcohol and emphasis on education and marriage, results in an increase in longevity of about 10 years.
He has also examined the influence of environmental factors on mortality. In December 2005 he published a major paper on fine particulate matter and mortality in California. Since then he has conclusively documented that fine particulate matter does not cause premature death in California (http://www.scientificintegrityinstitute.org/ASAS092812.pdf) . Since August 1, 2013 he has been assisting the US House Science Committee with its subpoena of the secret science data that EPA has used to improperly justify its fine particulate and ozone National Ambient Air Quality Standards (NAAQS) and related regulations in California and the United States.
In February 2015 he settled his three-year Federal whistleblower retaliation lawsuit against UCLA and his wrongful termination was reversed and he retains rights as a retired UCLA faculty member. The settlement is described by FIRE (http://www.scientificintegrityinstitute.org/FIRE030615.pdf ) and by Lois Henry (http://www.scientificintegrityinstitute.org/HenryP031115.pdf). (http://thefire.org/article/15587.html).


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Online Class
Crochet: Basics & Beyond
with Kim Werker
Need to use up that extra yarn just laying around? This is the perfect way to use it! These follower pillow where very easy to make. All you need to know is basic crochet and you can whip these up in a couple of hours. You can even adjust the rows to make them bigger or smaller. I've made them large enough to use as floor pillows! HAPPY CROCHETING!! BASIC SKILLS NECESSARY Must know basic crochet stitches SIZING / FINISHED MEASUREMENTS 13" SUGGESTED YARN 4 ounces of Worsted weight PREFERRED BRAND/YARN Red Heart/any 4ply yarn COLORWAY Assorted


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Is there evidence of pessimism and doubt in subjective distributions? Implications for the equity premium puzzle
No abstract is available for this item.
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Volume (Year): 30 (2006)
Issue (Month): 6 (June)
Pages: 1027-1043
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References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Giordani, Paolo & Soderlind, Paul, 2003.
"Inflation forecast uncertainty,"
European Economic Review,
Elsevier, vol. 47(6), pages 1037-1059, December.
- Giordani, Paolo & Soderlind, Paul, 2000. "Inflation Forecast Uncertainty," SSE/EFI Working Paper Series in Economics and Finance 384, Stockholm School of Economics, revised 06 Nov 2001.
- Söderlind, Paul, 2000. "Inflation Forecast Uncertainty," CEPR Discussion Papers 2499, C.E.P.R. Discussion Papers.
- Shlomo Benartzi & Richard H. Thaler, 1995. "Myopic Loss Aversion and the Equity Premium Puzzle," The Quarterly Journal of Economics, Oxford University Press, vol. 110(1), pages 73-92.
- Shlomo Benartzi & Richard H. Thaler, 1993. "Myopic Loss Aversion and the Equity Premium Puzzle," NBER Working Papers 4369, National Bureau of Economic Research, Inc.
- Aaron Tornell, 2000. "Robust-H-infinity Forecasting and Asset Pricing Anomalies," NBER Working Papers 7753, National Bureau of Economic Research, Inc.
- Detemple Jerome & Murthy Shashidhar, 1994. "Intertemporal Asset Pricing with Heterogeneous Beliefs," Journal of Economic Theory, Elsevier, vol. 62(2), pages 294-320, April.
- Christoffersen, Peter F, 1998. "Evaluating Interval Forecasts," International Economic Review, Department of Economics, University of Pennsylvania and Osaka University Institute of Social and Economic Research Association, vol. 39(4), pages 841-862, November.
- Matthew Rabin, 1998. "Psychology and Economics," Journal of Economic Literature, American Economic Association, vol. 36(1), pages 11-46, March.
- Matthew Rabin., 1997. "Psychology and Economics," Economics Working Papers 97-251, University of California at Berkeley.
- Rabin, Matthew, 1997. "Psychology and Economics," Department of Economics, Working Paper Series qt8jd5z5j2, Department of Economics, Institute for Business and Economic Research, UC Berkeley.
- David Hirshleifer, 2001. "Investor Psychology and Asset Pricing," Journal of Finance, American Finance Association, vol. 56(4), pages 1533-1597, 08.
- Hirshleifer, David, 2001. "Investor Psychology and Asset Pricing," MPRA Paper 5300, University Library of Munich, Germany.
- Abel, Andrew B., 2002. "An exploration of the effects of pessimism and doubt on asset returns," Journal of Economic Dynamics and Control, Elsevier, vol. 26(7-8), pages 1075-1092, July.
- Andrew B. Abel, 2001. "An exploration of the effects of pessimism and doubt on asset returns," Working Papers 01-1, Federal Reserve Bank of Philadelphia.
- Andrew B. Abel, 2001. "An Exploration of the Effects of Pessimism and Doubt on Asset Returns," NBER Working Papers 8132, National Bureau of Economic Research, Inc.
- Varian, Hal R, 1985. " Divergence of Opinion in Complete Markets: A Note," Journal of Finance, American Finance Association, vol. 40(1), pages 309-317, March.
- Lucas, Robert E, Jr, 1978. "Asset Prices in an Exchange Economy," Econometrica, Econometric Society, vol. 46(6), pages 1429-1445, November.
- Andrew B. Abel, "undated". "Asset Prices Under Heterogenous Beliefs: Implications for the Equity Premium," Rodney L. White Center for Financial Research Working Papers 09-89, Wharton School Rodney L. White Center for Financial Research.
- Andrew B. Abel, "undated". "Asset Prices Under Heterogenous Beliefs: Implications for the Equity Premium," Rodney L. White Center for Financial Research Working Papers 9-89, Wharton School Rodney L. White Center for Financial Research.
- Louis K. C. Chan & Jason Karceski & Josef Lakonishok, 2003. "The Level and Persistence of Growth Rates," Journal of Finance, American Finance Association, vol. 58(2), pages 643-684, 04.
- Rubinstein, Mark, 1974. "An aggregation theorem for securities markets," Journal of Financial Economics, Elsevier, vol. 1(3), pages 225-244, September.
- Nicholas Barberis & Ming Huang & Tano Santos, 2001. "Prospect Theory and Asset Prices," The Quarterly Journal of Economics, Oxford University Press, vol. 116(1), pages 1-53.
- Richard H. Thaler, 2000. "From Homo Economicus to Homo Sapiens," Journal of Economic Perspectives, American Economic Association, vol. 14(1), pages 133-141, Winter. Full references (including those not matched with items on IDEAS)
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Picture: Pregnant Kristin Cavallari seen wearing her engagement ring while walking her dog. West Hollywood, California - 15.03.12
Kristin Cavallari, the former Laguna Beach star, says she is loving life while pregnant with her first child. 25-year-old Kristin is engaged to Chicago Bears star Jay Cutler and tells Glamoholic magazine that everything is going to plan, despite not envisioning herself being pregnant at such a young age.
Cavallari says so far the pregnancy has been plain sailing, saying, "I am actually enjoying it which may sound crazy to some women, but I've had a really easy pregnancy.The first couple of months I was tired, but I didn't have any morning sickness. Which, I'll take being tired any day over throwing up". It was just last year when Cavallari was living the single life having called off her initial engagement from Cutler, but the pair talked things through and reunited. The television star and model explained, "It's so crazy to look at your life and see how far you've come.I always wanted kids, but I always thought I would have kids later on in life, maybe when I turn 30."
Surprisingly, Cavallari can't wait to add to the family, saying, "We're talking about the possibility of having another kid right away and then getting married so we can have two kids close in age". Though the couple know the sex of their baby, they are remaining tight lipped on the subject, but Kristin did reveal she would soon be leaving Los Angeles to live in Chicago.


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dialysis? That may want me enough to have this as part of a friendship, or even relationship with me? Is it more brave to play the martyr and avoid this avenue, even though it means I have to stay at a unit. Which is a more hectic, invasive etc. process that will wear me out more quickly. And means I have to stay on more pills.
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Back in the early days of technology we used to use floppy disks as our data storage devices but as the technology evolved idea of USB flash drives, customs drives, card USB , pen drive , USB stick , flash drive came into being.
These are User friendly devices which can easily store much more time data than floppy disks and are easy to carry from places to places due to its size. Choosing your USB is as simple as choosing anything. But just to ease out your choices this article will clear up most of your doubts. As USB drives now a days comes in every denominations and user and pocket friendly choices therefore one can choose them according to their need Various memory capacities available in USB drives ranges from 4 GB to 1 TB. Hence anyone can go for the pen drive they wish for according to his requirements.
They have easy connectivity to almost every device now days therefore providing much more easier flow of data from one device to another.
In a typical well-conducted review of a number of high-performance USB 3.0 drives, a drive that could read large files at 68 MB/s and write at 46 MB/s, could only manage 14 MB/s and 0.3 MB/s with many small files. When combining streaming reads and writes the speed of another drive, that could read at 92 MB/s and write at 70 MB/s, was 8 MB/s. These differences differ radically from one drive to another; some drives could write small files at over 10% of the speed for large ones.
Various types of USB drives are explained below so that you may re consider your choices before buying any of them.Best USB DRIVE OR PEN DRIVE is one which meets all your storage requirements, offers you high file transfer speed and is easy to carry.
USB flash drives or pen drives or USB sticks are basically Format enabled storage devices that uses flash memory with integrated USB interface. It does not require any kind of rebooting before starting up. Frequent saleable USB drive Generally lasts upto 256Gb . And they weigh less than 30 grams. They come in various sizes as well as shapes. Now we can customise our usb drive as we wish to in various sizes , designs, labels, colors and many more. These types of devices are typically called as custom drives because they are customized according to the needs of the customer. One of the leading online portal for custom drives is www.pendriveshub.com .
Next comes Card USB ,Or USB FlashCard , these are flash memory cards typically used as a storage devices for mobile phones.
There is a wide range of existing memory card formats such as SD, xD, and Compact Flash. The USB FlashCard uses a Type A plug which keeps the total thickness of the card maximum to 4.5 mm. Because of its small size and USB compatibility,it can be either used in digital camera or even in a personal computer without the need of card reader.
And in order to make your choices much easier you just need to visit one platform i.e http://www.pendriveshub.com where you can find "n" number of USB drives without taking local market visit.


text: West Ham's Slaven Bilic says he's not worried about keeping his job after a run of three defeats in a row. Slaven Bilic would welcome another man-of-the-match performance from the post if it meant West Ham beat Hull again. Mischievous Hammers fans voted the woodwork the star of the show after it denied Hull three times in their side's narrow 1-0 win at the London Stadium in December. West Ham stole the three points that day through Mark Noble's penalty, and Bilic is desperate for another victory after three straight defeats led to more speculation about his future as Hammers […] Read More →