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urn:lsid:ibm.com:blogs:entries-59f8a2ad-450c-4b6d-a1ff-25d9523d2af9 The Performance Perspectives Blog - Tags - predictive_analytics A blog about business analytics, business intelligence and performance management using IBM Cognos and IBM SPSS software. 10 2013-08-01T13:16:03-04:00 IBM Connections - Blogs urn:lsid:ibm.com:blogs:entry-ebd95021-26d2-4231-b89e-bfd79a4a6528 Meet Jing Shyr, SPSS Chief Statistician and IBM Distinguished Engineer Delaney Turner firstname.lastname@example.com 270002T14M active Comment Entries application/atom+xml;type=entry Likes 2010-08-05T10:32:29-04:00 2010-08-05T10:35:09-04:00 If you're wondering why predictive analytics is surging in popularity right now, my colleague Tim Powers over at SPSS (an IBM company) posted a great video that explains why. It was done in conjunction with the SPSS presence at the 2010 Joint Statistical Meetings in Vancouver and features SPSS Chief Statistician and IBM Distinguished Engineer Dr. Jing Shyr. Definitely worth a look.

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 If you want to see what predictive analytics can do for your own organization, why not attend this year's Business Analytics Forum @Information On Demand? Early bird registration ends August 31. If you're wondering why predictive analytics is surging in popularity right now, my colleague Tim Powers over at SPSS (an IBM company) posted a great video that explains why. It was done in conjunction with the SPSS presence at the 2010 Joint Statistical... 0 0 1979 urn:lsid:ibm.com:blogs:entries-59f8a2ad-450c-4b6d-a1ff-25d9523d2af9 The Performance Perspectives Blog 2013-08-01T13:16:03-04:00 urn:lsid:ibm.com:blogs:entry-6594670a-02f2-428c-ae56-7b671f7ac585 For telcos, social network analytics key to retaining customers Delaney Turner email@example.com 270002T14M active Comment Entries application/atom+xml;type=entry Likes 2010-06-08T10:10:32-04:00 2010-06-08T14:08:04-04:00 In this week's feature article, we look at how for telcos, social networks can act as a new source of insights into customer behavior and sentiment, and how they can use business analytics to leverage these insights into lower customer churn rates.

Maintaining subscriber relationships and increasing average revenue per user (ARPU) rates are major challenges facing carriers and cable operators, and gaining greater insight into social network analytics is key to creating longer-lasting customer relationships.

Predictive analytics and business intelligence (BI) allow telecommunications service providers (telcos) to align their processes around a common view of their most influential customers. Executive-level real-time dashboards, a proven data collection system, state-of-the-art parallel and online algorithms and end-to-end parallel processing can provide telcos with the real-time customer insights needed to minimize churn, improve operations and reduce costs.

Benefits in every department

Marketing, customer service, product management, operations and finance departments can analyze a wide range of historical and real-time customer information via planning and reporting tools that make meaningful information visually relevant. By leveraging IBM Cognos BI software and IBM SPSS predictive analytics software, service providers can more quickly:

Identify new revenue opportunities

Improve supply chain efficiency

Conduct capacity planning

Retain customers

Manage costs

Increase customer loyalty

Minimize fraud

Execute campaigns that drive revenue and market share growth

Identifying influential subscribers

The Predictive Churn module within the IBM Real-Time Customer Insight Suite (RTCIS) leverages advanced social analytics to allow service providers to identify their most influential customers—and those of their competitors—and gain a competitive advantage by swiftly obtaining answers to the following questions:

Which valued customers are most likely to churn?

What is the overall impact of their defections?

How can we most effectively mitigate churn?

Service providers can leverage BI, performance management and predictive analytics to identify likely churn candidates days or even weeks before they are likely to leave — so that high-value subscribers can be retained and nurtured.

Addressing social networks

Service providers typically think of their subscribers as individuals. However, they are also members of social networks consisting of friends, family members, colleagues and people who share common interests and shared mobility and behavioral patterns. A high proportion of their telephone calls will typically be within these interconnected groups.

Social network groups typically have a leader, recognizable by calling patterns and the degree to which they are connected to other group members — and these leaders are often highly influential. A leader of a social network who switches telecommunications carriers is likely to trigger similar defection within the group — and may even take the whole group with them. And all groups inevitably link to other groups, giving the potential for waves of defection to ripple throughout the subscriber base.

These patterns of influencers and the effects of their actions have redefined the way service providers calculate the relative value of customers. Social network analysis allows service providers to identify groups and leaders from call detail records (CDRs) so they can detect churn candidates in real time — even before the CDRs are deposited into the data warehouse.

Retaining high-value subscribers

In today's highly volatile and competitive market, subscribers can switch telecommunications service providers and cable providers with greater ease and speed than ever before. Keeping high-value subscribers loyal is central to business success and growth.

Predictive analytics has proven its worth for many as a technique for identifying likely churn candidates and targeting retention efforts. This approach leverages a wide range of customer data, but has traditionally lacked the ability to utilize real-time information to provide access to immediate indicators of potential subscriber churn.

When predictive analytics is combined with business intelligence and social network analysis, telcos and cable operators gain the ability to better prioritize their retention efforts toward influential subscribers. The risk level assigned is linked to the risk of losing the whole group of subscribers influenced by the identified leaders of a social network.

Identifying these groups and their leaders—and recognizing in real-time when they are an immediate churn risk—complements and adds value to traditional predictive approaches and enables service providers to take timely action to retain the subscribers who are truly most valuable — in terms of the revenue they influence. This insight — combined with the right offer at the right time — can lead to exponential gains in the effectiveness of churn management strategies.

Turning insights into action

Identifying churn candidates means nothing — unless you can take effective action to retain them. RTCIS includes a recommendation engine that suggests the most appropriate treatment given the individual's past activities correlated to the behavior of similar subscribers. It also provides retention teams and marketers with insights into customer propensities and product preferences, and an understanding of how particular offers or marketing campaigns are received and how effective they are for particular customer profiles. This allows telcos to combine the best human expertise with powerful predictive models to ensure the offers made have the best chance of ensuring retention.

Learn more

IBM Cognos solutions for telecommunications

Download our White Paper: Combine real-time predictive social network analytics with advanced churn models to retain customers

All photos courtesy of Wikimedia Commons In this week's feature article, we look at how for telcos, social networks can act as a new source of insights into customer behavior and sentiment, and how they can use business analytics to leverage these insights into lower customer churn rates. Maintaining... 0 0 3337 urn:lsid:ibm.com:blogs:entries-59f8a2ad-450c-4b6d-a1ff-25d9523d2af9 The Performance Perspectives Blog 2013-08-01T13:16:03-04:00 urn:lsid:ibm.com:blogs:entry-eba55641-9023-416f-b4c1-a6b3bd9a1f85 Business Analytics at IOD EMEA: Final thoughts and future directions Delaney Turner email@example.com 270002T14M active Comment Entries application/atom+xml;type=entry Likes 2010-05-21T08:50:35-04:00 2010-05-31T15:56:56-04:00 With a Roman Legion's worth of bagged lunches making their way through the revolving doors of the Marriott Park Rome, it's a good time to reflect on the first-ever Business Analytics Program at IOD EMEA. I'll be posting more data, findings and maybe a word cloud or two after a few days off with the Nikon, but for now here's a summary of what I've seen and thought about:

Everything is moving, in every direction, everywhere, all the time. Your task? Make sense of it, understand it, predict the outcomes, decide and act. In real time, with confidence. No human can fully grasp the complexity, the volumes or the velocity of the world's growing data field. But business analytics can. If you're in telco they can tell you which customers are about to leave. If you're in HR, they can tell you which employees are about to leave. If you're in insurance or banking, they can tell you when someone's trying to rip you off. They can drive better, faster, dare I say Smarter decisions for everyone in your organization, at every level, every day. Gartner calls it "Pattern-based Strategy." I say it's simply the new way of doing business.

Smarter Planet is real, here, and now. I've seen the evidence and it's pretty great stuff. In client sessions, partner sessions and our flawless keynote presentations I've seen innovative organizations taking advantage of our instrumented, interconnected and intelligent world to prevent crime, eliminate waste, cut costs, minimize risk and improve outcomes in matters big and small. Smarter Healthcare connects to Smarter Water. Smarter Water connects to Smarter Grids. Everything connects and synchronizes to build a Smarter City. "It's not just marketing," my SPSS colleague Erick Brethenoux remarked. "It's a brilliant organizing principle."

Some things in Europe will forever baffle me. I'm no stranger to this continent. I've traveled here quite a bit. I can order beer in six languages. I know the difference between Gothic and Romanesque. I've studied and worked in France and have a good understanding of Italian hand gestures. Yet for the life of me I'll never understand how the shower faucets work (turn the knobs and hope for the best), how the light switches work (why "down" for "on"?) or how the phone numbers work. (Do I need to add a "0" before the city code? I hear a quick beeping sound. Is that right?).

 You can do amazing things with business analytics software. And you can do them all in real time. Like what? Like refining your understanding of key customer loyalty. Like testing and rethinking your assumptions about profitability, your marketing effectiveness, or your exposure to fraud and risk. You can optimize decisions and outcomes across every core process. You can paint miles of white space between you and the other players in your space. If you're interested you can start right here.

You can lead your industry and your peer group with help from IBM Global Business Services. Examples: The IBM Global CIO Study. The IBM Global CFO Study. And just this week, The IBM Global CEO Study. Each one is based on the largest survey of technology, finance and business executives in the world. Each one provides extensive insights into the challenges and opportunities businesses face today with additional insights into specific industries. Each paints a compelling vision for overcoming those challenges and seizing those opportunities that you can act on right now. And each one available free of charge.

I did not bring nearly enough black clothes. Though I think I should get at least some credit for the cufflinks and pointy-toed shoes.

 If you're not predicting, you're not performing. There's not a single aspect of your business that can't be made better with predictive analytics. And with the release of IBM SPSS Decision Management 6, there's not a user in your business who won't find it astoundingly easy to use.

Unstructured data: Think beyond the rows and columns: If the only data you look at comes from neat and tidy sources, you're ignoring 80 percent of the data at your disposal. That means missing out on what your customers really think of you, what your competitors might do next, and where you should really be directing your efforts and resources. Two places to start are IBM SPSS Modeler Professional and IBM Cognos Content Analytics.

 Technology and society are both on the verge of incredible transformations. IBM Fellow Dr. Bernard Myerson - possibly the funniest physicist I've ever encountered - demonstrated how the greatest leaps forward for people and the tools they use are completely maxed out. He also explained how IBM partnered with its traditional rivals in "radical collaboration" to push back on the limits of science. "We're on the verge of some of the most significant changes in our history," he said. But for these changes to work for the good, they need to move in lockstep.

 Don't be afraid of "The Ketchup Effect." A lot of things look like failures in the middle. But as host Magnus Lindkvist reminds us, the longer you keep hitting that bottle, the sooner you'll get what you're looking for. The formula for change is simple: Courage X Persistence. Don't be afraid to push your ideas. Don't be afraid to get out there and dance.

Phew.

Ok, that sums it up for now. There will be more to come, but right now I'm off to explore the Eternal City.

Post-script!

The fine event IOD EMEA Event team have posted the closing video over on their YouTube channel. Enjoy..

<object height="340" width="560"><param name="movie" value="http://www.youtube.com/v/v2393hAKuAk&hl=en_US&fs=1&rel=0&color1=0x3a3a3a&color2=0x999999" /><param name="allowFullScreen" value="true" /><param name="allowscriptaccess" value="always" /><embed allowfullscreen="true" allowscriptaccess="always" height="340" src="http://www.youtube.com/v/v2393hAKuAk&hl=en_US&fs=1&rel=0&color1=0x3a3a3a&color2=0x999999" type="application/x-shockwave-flash" width="560" /></object> With a Roman Legion's worth of bagged lunches making their way through the revolving doors of the Marriott Park Rome, it's a good time to reflect on the first-ever Business Analytics Program at IOD EMEA. I'll be posting more data, findings and maybe a word... 1 0 2014 urn:lsid:ibm.com:blogs:entries-59f8a2ad-450c-4b6d-a1ff-25d9523d2af9 The Performance Perspectives Blog 2013-08-01T13:16:03-04:00 urn:lsid:ibm.com:blogs:entry-a031fa95-35b6-439d-9cb9-546aeb1b3b55 SPSS Directions Day 2: Five Predictions about Predictive Analytics Delaney Turner email@example.com 270002T14M active Comment Entries application/atom+xml;type=entry Likes 2010-05-18T18:09:15-04:00 2010-05-18T18:47:11-04:00 SPSS wrapped up its Directions EMEA conference today and what a spectacular event it's been. Given what I've seen and heard over the past two days I've come up with five predictions about SPSS and predictive analytics that I'm prepared to stand by, even once I've come down from this steak-with-pears-and-gorgonzola-sauce-induced high:

Companies will get very serious about predictive analytics very quickly: Retailers, hospitals, police departments and manufacturers will soon discover what insurance companies, banks and telcos have known for years: Spotting and solving problems before they happen is a great way to cut costs, optimize decisions, increase customer loyalty and simply perform at a consistently higher level. Over the past two days I've seen a parade of innovative examples of this happening right now. To my mind there isn't a business process or decision that can't be optimized for better performance though predictive analytics.

Companies will get very serious about unstructured data very soon: This was a real eye-opener for me. Yes, I can see how a retailer or telco might want to watch for customers venting spleen about lousy service or shoddy quality all over the blogosphere. But when one of Europe's largest banks scans the blogs to feed its risk management models, that's another avenue entirely. There wasn't a keynote, client or product marketer session that didn't make at least a passing reference to the importance of getting your arms around what customers are saying and making profitable sense of it.

The Ferrari that is SPSS will find that second gear. And the third, and the fourth, and the fifth: With the business-friendly capabilities and expanded industry expertise baked into SPSS Decision Management 6, SPSS will provide even more value to its core user constituency and its emerging business user base. Soon, they too will need to strap themselves in for a wild, wild ride.

SPSS clients will want to come back to Rome: This applies whether there's a business analytics conference or not. Three days in the Eternal City and so far every bite, every sight has been "wow." I have since struck major to-dos off my bucket list and re-thought my relationship with Mozzarella. This could be the beginning of a beautiful friendship.

 By the end of the week, I will have mastered the light switches at the Marriott. Of course I need to keep my key in the key slot to keep them on. Of course the light to the mini bar is next to the bed.

Tomorrow I change gears somewhat, as the business analytics program at IOD EMEA gets under way. I'll still be here, tweeting, blogging and, if prediction #5 comes true, I won't be doing these recaps in the dark.

Ciao!
 SPSS wrapped up its Directions EMEA conference today and what a spectacular event it's been. Given what I've seen and heard over the past two days I've come up with five predictions about SPSS and predictive analytics that I'm prepared to stand by, even once... 0 0 1595 urn:lsid:ibm.com:blogs:entries-59f8a2ad-450c-4b6d-a1ff-25d9523d2af9 The Performance Perspectives Blog 2013-08-01T13:16:03-04:00 urn:lsid:ibm.com:blogs:entry-0222aba0-f810-485b-a523-c3d773161b2f SPSS Directions Day 1: Top 10 Highlights Delaney Turner email@example.com 270002T14M active Comment Entries application/atom+xml;type=entry Likes 2010-05-17T12:19:17-04:00 2010-05-18T03:33:16-04:00 It's been a fascinating day here on the outskirts of the Eternal City, and I have exactly one hour before the bus departs for our networking event at the Chiostro Del Bramante. So, without further delay, here are 10 high points that I may expand on later...

For SPSS clients, the best is yet to come: Rob Ashe welcomed SPSS clients into the IBM Business Analytics fold with an eloquent and passionate address that drew from his own experiences following the acquisition of Cognos and the increased profile of the software within the IBM software portfolio. "IBM makes acquisitions for growth," he told the audience, likening its string of acquisitions to "a string of pearls" with capabilities that complement each other instead of overlapping. "You are front and center in the IBM vision," said Rob, who also confessed to long-standing desire to enter the predictive analytics space.

IBM offers SPSS unmatched potential to innovate, and it's already happening: In the panel discussion that followed, Rob Ashe outlined the tremendous opportunities now open to SPSS teams and clients alike. "Being part of IBM means having access to resources and research and that equals innovation." SPSS CTO Richard Holada spoke of expanded language support for the SPSS product suite and exciting developments in the labs. "They're all in there working on neat stuff, and they all work for me." Finally, now seven months into the role of CEO of SPSS, Deepak Advani says he feels the company is "a Ferrari in first gear."

Analytics are vital to competing in the "Decade of Smart." In his keynote address, Rob Ashe outlined the four criteria for success: 1 - the ability to access access information, regardless of its source. 2 - The ability to draw insights from that data by asking the question "Why does it matter?" 3 - The ability to adapt your business processes to those insights, and 4 - the ability to connect those changes to strategic outcomes. Rob sees SPSS capabilities being deployed across that entire continuum - from raw statistics to data models to market insights to rewiring business processes. Two examples: for insurance companies reducing fraud; for telecommunications companies to increase yield on customer interactions. Said Deepak, "Our vision is to drive optimized outcomes using predictive analytics."

Decision-making is shifting its focus from automation to optimization: Advani charted the evolution of decision-making platforms to the point where business users can harness the power of predictive analytics to optimize any and every business process. "We are crossing a new threshold in our ability to manage pervasive information, analyze it to gain insight, predict risk and opportunities and drive faster, smarter decisions and actions." SPSS Decision Management 6 will be a key offering in enabling this transformation.

SPSS is bringing the power of predictive analytics from the back room to the point of business impact: Advani cited examples of banks detecting fraud before the fact, and SPSS CTO Richard Holada used an insurance fraud example to show how business users can build a predictive model in three clicks.

There are people in Manchester who support neither United nor City: I could not have predicted this.

Most complicated negotiations are actually predictable: In his surprising keynote address, celebrated author and consultant Dr. Bruce Bueno De Mesquita explained that you can predict the outcome of almost any situation by examining the interplay of four simple questions: Who has a stake in the decision? What do they say they want? How focused are they on the issue? How much influence to they have? A proponent of game theory who's built a model that delivers 90% accuracy in everything from litigation to foreign policy, Dr. De Mesquita also says his model works equally well across cultures and geographies. Check out a light version of his "Predictioneer's Game" here.

The first mistake people make in negotiations is to assume the decision-maker is the person to pay attention to: Presidents and CEOs have advisors who have advisors of their own, Dr. De Mesquita explained. "These are the people who really shape policy," he said. "You ignore them at your peril."

You should never be a "long-shaker": In the first of his soft skills tips, Directions host Mark Jeffries reminded the audience to keep their handshakes short and sweet - two seconds, max. You can see Jeffries' tips for business card etiquette here.

The food here is so good I may have to switch my World Cup allegiances: Seeing as I already support France, this is a truly big deal.

More to come tomorrow...stay tuned!
 It's been a fascinating day here on the outskirts of the Eternal City, and I have exactly one hour before the bus departs for our networking event at the Chiostro Del Bramante. So, without further delay, here are 10 high points that I may expand on later...... 0 0 1418 urn:lsid:ibm.com:blogs:entries-59f8a2ad-450c-4b6d-a1ff-25d9523d2af9 The Performance Perspectives Blog 2013-08-01T13:16:03-04:00 urn:lsid:ibm.com:blogs:entry-b4d7f7e0-8e60-461e-9699-62800beb4e1a Defining business intelligence in 140 characters Delaney Turner firstname.lastname@example.com 270002T14M active Comment Entries application/atom+xml;type=entry Likes 2010-05-14T10:31:07-04:00 2010-05-14T12:27:46-04:00 The debate over what business intelligence "is" and what business intelligence is "not" is alive and well.

How do I know? Because more than 65 tweeters (including Seth Grimes, Neil Raden and our own Don Campbell) turned out for Forrester's Tweet Jam yesterday to debate that very (and very vexing) question.

Forrester Analysts Boris Evelson and James Kobielus led the discussion. Questions on their minds included:

How should we differentiate BI and analytics?

What's the difference between business intelligence and other forms of "intelligence" like competitive intelligence, market intelligence?

Is convergence of structured and unstructured information hype or reality?

Is BI looking only through the rear-view mirror, or should historical and predictive BI be one and the same?

How will social media impact traditional BI?

The discussion left behind a Twitter archive of 400 posts, which I promptly uploaded to Many Eyes to create this word cloud. The bigger the word, the more often it appeared:

Not surprisingly, "BI" was the most popular term, with "decision," "intelligence" and "structured" well-represented as well. But it was also good to see some new terms in there that haven't been part of the conversation until recently - for example, "analytics," "predictive," "social" and "unstructured."

Now, you could argue that the results look like that because the entire discussion happened on Twitter to begin with, so naturally you'd attract participants with a bent towards the new and the now. I'd agree, but I also wouldn't discount the findings because of that. Organizations of all shapes and sizes are indeed exploring the opportunities provided them in analyzing unstructured data. Just this week, for example, SPSS launched new data mining and text analytics software to analyze social networks and blogs to monitor changes in consumer, constituent and employee attitudes. Further, predictive capabilities are a core component of the IBM plan for growth as outlined by this week by CEO Sam Palmisano and are a recurring motif in our current lineup of Smarter Planet ads.

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As I've mentioned before, these developments are why I'm pretty excited about where this industry is going. I'm also pretty excited about where I'm going next week, as I'll be attending both SPSS Directions and IOD EMEA in Rome to hear Rob Ashe present his vision for where he plans on leading us. I'll be blogging about it all, so I hope you'll follow along.

P.S. The data's still up there on Many Eyes. Feel free to access it, create your own visualizations and draw your own conclusions. I'd love to continue this conversation.
 The debate over what business intelligence "is" and what business intelligence is "not" is alive and well. How do I know? Because more than 65 tweeters (including Seth Grimes , Neil Raden and our own Don Campbell ) turned out for... 1 0 2081 urn:lsid:ibm.com:blogs:entries-59f8a2ad-450c-4b6d-a1ff-25d9523d2af9 The Performance Perspectives Blog 2013-08-01T13:16:03-04:00 urn:lsid:ibm.com:blogs:entry-b897cbb1-a540-4032-b847-79a63f116d4e Rob Ashe to co-present keynote address at SPSS Directions EU Conference Delaney Turner firstname.lastname@example.com 270002T14M active Comment Entries application/atom+xml;type=entry Likes 2010-04-27T13:20:02-04:00 2010-04-28T09:49:13-04:00
How's this for an understatement:

Rob Ashe is a very busy man.

Case in point: Not only will the GM of IBM Business Analytics be at the helm of two keynote presentations to open IOD EMEA (on the same day, no less), he's also co-presenting the opening keynote address of the SPSS Directions European Conference earlier in the week. For this presentation he'll be joined by Deepak Advani, IBM VP of Predictive Analytics and Santina Franchi, IBM VP of Information Management & Business Analytics for Southwest Europe. I'll be attending this conference as well, and updating the blog and Twitter streams with insights and observations. Here's the keynote abstract for SPSS Directions:

Discover New Worlds: Taking Predictive Analytics to a New Level
Join Rob Ashe and Deepak Advani to hear about the newest advances in predictive analytics, and the importance of this capability in the IBM portfolio. Discover how leading organizations are using analytics to solve problems, increase revenue, improve productivity, and cut costs. You'll also get a firsthand look at the latest breakthrough capabilities in decision management and its critical role in predictive analytics.

Santina Franchi will join Deepak and Rob to talk about IBM's commitment to the continued innovation of SPSS solutions. You'll hear about the critical role of SPSS in IBM's most important initiatives, including Smarter Planet, Information Agenda and Business Analytics Optimization services. And how the IBM ecosystem benefits you with better use of information for smarter business outcomes. We invite you to be part of this compelling leadership conversation where we'll explore trends and best practices, provide a glimpse into what the future holds, and address audience questions.

 Three weeks and a bit before I board the plane. This is going to be fun.
 How's this for an understatement: Rob Ashe is a very busy man. Case in point: Not only will the GM of IBM Business Analytics be at the helm of two keynote presentations to open IOD EMEA (on the same day, no less), he's also co-presenting the opening... 0 0 1725 urn:lsid:ibm.com:blogs:entries-59f8a2ad-450c-4b6d-a1ff-25d9523d2af9 The Performance Perspectives Blog 2013-08-01T13:16:03-04:00 urn:lsid:ibm.com:blogs:entry-e0cb1f77-66ab-4bbd-a784-f5824b7f3d07 What's in your basket? Predictive analytics for retail Delaney Turner firstname.lastname@example.com 270002T14M active Comment Entries application/atom+xml;type=entry Likes 2010-04-26T09:57:45-04:00 2010-04-26T11:03:07-04:00 This is the first in a four-part series exploring the performance challenges in retail as stores and chains of all sizes begin their recovery from the turmoil of the past year. In today's installment, we look at the ways predictive analytics can help retailers better anticipate what their customers expect from their shopping experience, thus enabling them to better serve the people coming through their doors.

In retail, knowing what your customer will want is a big plus. Cat owners want to buy cat food, not dog biscuits. And parents with grown children don't look for discounts on diapers, but they may want to pick up wine or a prepared meal for dinner.

In other words, if you can figure out what a shopper wants to buy and have it available or lead them to it, that's a good shopping experience. And a good shopping experience for customers means a more profitable experience for retail chains. So a cat owner can come into your store and find the right cat food – and maybe buy some pet toys too.

What's in your shopping basket?

That's the payoff when predictive analytics meets "market basket" insight. To start, retailers amass vast stores of data from their transaction and point-of-sale systems. There is a lot of good information in the data: about customer behavior, what sells and what doesn't, and other kinds of buying patterns. The problem is finding it. It's nearly impossible to mine this data manually.

But the task can be done using business analytics software. Analytics helps you parse and make sense of all that data. Predictive analytics goes a step further. It doesn't just find information, it uses algorithms to turn past transactions into future insight.

How predictive analytics works

A solution such as IBM SPSS Market Basket Analysis helps you build predictive models to improve the shopping experience. Here's how it works: The simplest kind of market basket analysis is to take transaction data and use algorithms to detect combinations of products that tend to be bought together (such as skin care and hair care).

From here, you can stack these products together or use a promotional display offering a discount if people buy both.

This is undifferentiated analysis. Where it gets interesting is when you combine this kind of analytics with other customer data – such as demographics (age, zip code), behavior and attitudes (satisfaction scores), based on things like loyalty programs.

Then you can use predictive models to determine which combination of products or offers works best for which group of customers. A simple example: association rules might tell you that younger career women tend to buy wine and chocolate. Or middle-income men who buy beer and pizza are also more likely to buy items like potato chips.

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Responding to the "smarter consumer"

Predicting consumer behavior

The value: you ensure your product offers and promotions match shopper preferences and behavior. By linking purchases to shoppers, you can take this even further: tailoring offers to specific customers and driving more personalized campaigns.

That's predictive analytics in a nutshell. It's a powerful tool that can change the game for retailers. So they move from a reactive approach to a more predictive, proactive model – and have the right products in the store at the right time.

And, most important, each customer is more likely to find what he or she is looking for.

Learn more

Predictive analytics software for retail from SPSS

IBM Cognos solutions for retail

Download our White Paper, "Performance Management in Retail"

BI Radio explores current trends in retail

Follow Smarter Retail stories on the Smarter Planet Tumblr blog

 This is the first in a four-part series exploring the performance challenges in retail as stores and chains of all sizes begin their recovery from the turmoil of the past year. In today's installment, we look at the ways predictive analytics can help retailers... 1 0 3517 urn:lsid:ibm.com:blogs:entries-59f8a2ad-450c-4b6d-a1ff-25d9523d2af9 The Performance Perspectives Blog 2013-08-01T13:16:03-04:00 urn:lsid:ibm.com:blogs:entry-e02aff1f-82d5-46e4-bb65-368d57f715a6 The Performance Perspectives Blog: Findings from the IBM Global Chief Financial Officer Study Delaney Turner firstname.lastname@example.com 270002T14M active Comment Entries application/atom+xml;type=entry Likes 2010-03-02T11:27:59-05:00 2010-03-12T15:40:57-05:00
If you're in the Office of Finance you'll want to know that IBM today announced the findings of its Global Chief Financial Officer Study.

It's the largest study of its kind, conducted by IBM Global Business Services' Financial Management practice and the IBM Institute for Business Value (IBV). Findings are drawn from interviews with over 1,900 Chief Financial Officers (CFOs) and senior finance executives from 81 countries and 35 industries worldwide.

Among the findings:

60% of CFOs say they will need to make major changes in order to respond to the new economic climate.

Over 70% of CFOs believe they have an advisory or decision-making role at the Enterprise level.

CFOs ranked "providing inputs into enterprise strategy" as the number one priority. Yet, only half view their finance organizations as being effective in this area.

For CFO's, enterprise risk management and information integration have doubled in importance, over the last 5 years.

Our Innovation Center for Performance Management also had a hand in shaping the survey and finance executives using IBM Cognos performance management solutions were well-represented among the respondents. Their input helped yield the following insights:

Recent economic uncertainty has elevated the role and influence of the CFO

Volatility and uncertainty have drawn CFOs into more frequent boardroom conversations about forecasts, profitability, risk management and strategic decisions related to supply chains, pricing and production.

While the importance of core Finance responsibilities has not diminished in any way, CFOs' focus on company-wide concerns has increased sharply.

Since 2005, the importance of being involved in formulating enterprise strategy, integrating information and managing enterprise risk has increased sharply.

A majority of Finance organizations are experiencing a widening execution gap between their own level of effectiveness and the importance of certain enterprise-wide activities.

Among Finance's effectiveness gaps, the largest is in the area of driving integration of information.

One group of Finance organizations – called Value Integrators – has a particular combination of capabilities enabling them to stand out from its peers.

Value Integrators excel at both finance efficiency and business insight – key dimensions of Finance strongly associated with outstanding performance

Value Integrators are far more effective at finance execution than their peers.

Driving integration of information is a major outlier for Value Integrators, and likely one of the main reasons why they are so effective in other areas such as risk management and end-to-end business optimization.

From every angle, business is demanding greater breadth, depth and speed of insight – and, now more than ever, these demands fall on Finance.

Finance's persuasiveness as strategic advisor hinges on having superior business insight capabilities that are trusted, delivered timely, understandable and drive a compelling story to support business decisions.

Since 2003, CFOs have continually stated their aspirations to shift more focus to analysis and decision support. But, so far, they have been largely unable to do so.

Today Finance still spends over half its time on transaction processing.

I've already downloaded my copy of ths study and will be sharing insights from it as they pertain to
predictive analytics and performance management the next few weeks. I'm hoping you'lll do the same. Check out the resources below to stay engaged in the conversation.

Resources

Get your copy of the IBM Global Chief Financial Officer Study

Follow what others are saying on Twitter

Join the conversation about smarter leadership on Tumblr

Watch the Video on the IBMIBV YouTube channel

Read the press release

Discover IBM Cognos solutions for the Office of Finance

 If you're in the Office of Finance you'll want to know that IBM today announced the findings of its Global Chief Financial Officer Study . It's the largest study of its kind, conducted by IBM Global Business Services' Financial Management practice and the... 0 0 1545 urn:lsid:ibm.com:blogs:entries-59f8a2ad-450c-4b6d-a1ff-25d9523d2af9 The Performance Perspectives Blog 2013-08-01T13:16:03-04:00 urn:lsid:ibm.com:blogs:entry-f450e756-ff3e-4b21-a555-521eee9c4c83 The Performance Perspectives Blog: Where predictive analytics won't help Delaney Turner firstname.lastname@example.com 270002T14M active Comment Entries application/atom+xml;type=entry Likes 2010-02-12T13:16:16-05:00 2010-03-10T09:15:32-05:00 Predictive Analytics help decision makers answer perhaps the most pressing question in business: What's going to happen?

One question they can't answer, though, is this: Who will light the Olympic Cauldron to open the 2010 Winter Olympics in Vancouver?

When the Olympic Torch arrives in BC Place in Vancouver mere hours from now, it will have passed through the hands of 12,000 torch bearers (including my colleague Elaine), traveled more than 45,000 kilometres through more than 1,000 communities in 106 days.

Impressive though these data points are, they're not much help in finding the answer. Instead, we have to content ourselves with the rumors and speculation.

So, will it be:

Wayne Gretzky? Possibly. He's Canada's biggest ambassador for Canada's national sport. He's also the near-universal choice of people following @NBCOlympics.

Nancy Greene-Raine? Possibly. She won gold and silver at age 24 in the 1968 games in France, thus becoming the first Canadian woman to win more than one medal at a winter games. Plus, she's from British Columbia.

Rick Hansen? Another good choice. He's a paraplegic athlete who has won numerous wheelchair marathons and wheeled through parts of four continents to raise money for research into spinal cord injuries.

Shirley and Sharon Firth? Shirley Firth was a member of the Gwich'in First Nation, and with her twin sister Sharon became one of the first aboriginals to represent Canada at the Olympic Games.

Betty Fox? This would be my choice. Betty is the mother of national hero Terry Fox, who lost a leg to cancer at age 18, then attempted a cross-country Marathon of Hope in 1980. He cut short the run after hobbling 3,150 miles with an artificial leg, and died of lung cancer in 1981 at age 22 — inspiring annual Terry Fox runs which have raised $500 million for cancer research. If my Twitter search on "olympic cauldron" is to be believed, Fox himself will appear in a hologram.

It's been fun to watch people take turns in this now global guessing game. It's the unpredictable nature of sports that makes them so compelling. And as Canada plays host to the world over the next 17 days, I'm hoping for a few surprises.

In business, though, we can't afford to guess. Instead we need to predict and to prepare. It's how we survive our volatile times. When the Olympic flame has gone out and the fans have gone home, will you be ready for what's to come?

Tell me more about predictive analytics from SPSS, an IBM company

 <object height="315" width="500"><param name="movie" value="http://www.youtube.com/v/vrCA0HK-yO0&hl=en_US&fs=1&rel=0&border=1" /><param name="allowFullScreen" value="true" /><param name="allowscriptaccess" value="always" /><embed allowfullscreen="true" allowscriptaccess="always" height="315" src="http://www.youtube.com/v/vrCA0HK-yO0&hl=en_US&fs=1&rel=0&border=1" type="application/x-shockwave-flash" width="500" /></object> Predictive Analytics help decision makers answer perhaps the most pressing question in business: What's going to happen? One question they can't answer, though, is this: Who will light the Olympic Cauldron to open the 2010 Winter Olympics in Vancouver? When... 0 0 1134 urn:lsid:ibm.com:blogs:entries-59f8a2ad-450c-4b6d-a1ff-25d9523d2af9 The Performance Perspectives Blog 2013-08-01T13:16:03-04:00


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subset: commoncrawl


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- Home
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My name is Jake Millward. I'm a big Steps fan and I recently represented Mencap at a glitzy awards ceremony. I am a 33-year-old man and I have a mild learning disability, as well as cerebral palsy. Mencap has supported me for four years – I have 18 hours of support a week.
I part-own my house in Norton, near Doncaster, in partnership with an organisation called Advance Housing. Mencap supports me in my home with minor repairs and gardening tasks, such as mowing the lawn and general upkeep.
Mencap also supports me in the community with social activities. I am very independent and have lots of interests, including tenpin bowling and being involved with a walking group, a history group and an IT group.
I also volunteer with the Countryside Rangers on Tuesday and Wednesday mornings. Through this, I have recently helped to create a memorial garden in my local park.
This April, I went to the Steps reunion concert at the Sheffield Motorpoint Arena, which I really enjoyed. I've always been a big Steps fan, so I was very excited when I heard about the reunion tour and ordered two tickets straight away. Jenna, a support worker, came with me. The performance was brilliant – they were better than ever.
I also really enjoy going to the cinema with my friends. My favourite films are action adventures. I have just been to see Avengers Assemble with my friend, David.
Getting involved
My confidence has grown since I have received support from Mencap and because of my volunteering work. This has helped me to use public transport more easily and to feel more confident when I go to places like the bank.
I have a really good relationship with my two support workers and my local Mencap manager – they encourage me to get involved in lots of activities. I have been on the interview panel for new Mencap support workers and have been asked to attend a Mencap open day to talk to people about the support I receive.
The past year has been really positive for me. Before Christmas, I entered Mencap's New Year, New Me competition – I wrote about my hopes and dreams for 2012. I felt great when I was told that I was the regional winner of the competition.
Black tie event
One of the highlights of the past year was being invited to attend the Independent Specialist Care Awards in London, in January. Mencap sponsored the awards, so I was invited to represent the charity.
I travelled down to London with my support worker and a person from Barnsley called Kylie, who also gets support from Mencap. We were dressed to impress in our best black tie. The whole experience was brilliant, from the rail journey, to the hotel and the night itself. Most of all, the people were lovely.
I have always wanted my own dog, so Mencap supported me to apply to the Guide Dog Association for a retired guide dog – I wanted to give a dog a new lease of life. My application was successful and earlier this year I adopted a seven-year-old labrador called Quaker. He has really settled in to his new home and I love taking him for long walks – he's helping to keep me fit.
Hi Emily,
How's u? Thank you for the support see u soon keep smiling ! Love Jake
Hi Jake,
I've just read your Be Me article and wanted to say i really enjoyed learning about your life in Norton. I think its fantastic that you have adopted a retired guide dog and I hope he brings you the joy and love you deserve.
Both you and Kylie looked great at the Independent specialist care awards! Im glad that Mencap have helped to give you and many others more confidence and a new outlook on life.
Keep enjoying yourself and smiling that lovely smile of yours.
Best wishes


text:
How exactly does the built-in OneDrive service sync the local drive with the remote drive?
How does the service know whether the server drive or the local drive has priority?
For example: What happens if a file on my local drive is missing? How does the service distinguish if I deleted the file intentionally (and then it deletes the file on the server), or if it is just missing (and then it should be restored on the local drive) ?


text:
Mary Creagh
Latest 5 articles
Cycling is on the up, but under Labour it would rise still furtherThe Guardian, Mon 25 November 2013
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In pursuing the badger cull, the government is being anti-scienceThe Guardian, Mon 26 August 2013
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Horsemeat scandal highlights gaps in regulation of our food industryThe Guardian, Fri 18 January 2013
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Badger cull is a shot in the dark for the governmentThe Guardian, Tue 18 September 2012
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No decision on carbon reporting? Tories fail every environment testThe Guardian, Wed 28 March 2012
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Mary Creagh's published articles – last 12 months*
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What are column inches?
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Perfect Mixing
Found a similar product cheaper elsewhere?We promise to beat any price by 5% - Try our Price beater
What is the Shaker Bottle Mini?
The Shaker Bottle Mini is an ideal substitute for an electric Shaker and provides a smooth shake when mixing your supplements.
Benefits of the Shaker Bottle Mini
The MP Max Shaker Bottle is a convenient size and is ideal for carrying around in your gym bag at all times. It also has an easy to clean design and is sealable to avoid any dripping.
Who is the Shaker Bottle Mini Suitable for?
The MP Max Shaker Bottle is ideal for anyone looking for a convenient sized Shaker bottle to mix their supplements.
*This statement has not been approved by the FDA
Pour desired amount of milk, water or juice using the ml scale etched into the side of the bottle. Add powder then shake. Approximately 5-6 shakes usually makes perfect, clump free drinks.
Please note: Our Shakers and shakers are not designed to transport liquids, their intended use is to mix powders and liquids in to a smooth consistency immediately before consumption.
Where reviews refer to foods or cosmetic products, results may vary from person to person. Customer reviews are independent and do not represent the views of The Hut Group.
(122 reviews)
Write a review to be in with a chance of winning a £100 voucher
Mixing your protien just got easier, easier than breathing, it's so easy to mix with this bottle that you would hire it as a dj at your wedding instead of Pete tong I mean dam this bottle could mix cerment it's so intense, more intense than game of thrones season 3 ending. But yeah over all it does it's job well, and I would recommend it. Goes Well With:Brimstone
Was this helpful?
I bought 8 of these as I have to leave a few at work depending what shift I'm on. I'm down to 3 lids left now. 5 have cracked and split on the lid thread. Waste of money. Left with 5 useless plastic cups now. Not buying anymore.
Was this helpful?
I've got 3 MP shakers, 2 standard and 1 mini. I've got 9 months heavy use from them and none of the lid cracking that others have complained about. Maybe I got lucky? Mixing is good with the blender ball but I don't think it's a revelation as such. I personally think the grille you get in Mixmaster flasks is more effective than the ball. Plus the ball gets stuck in thicker shakes so it doesn't work for Total Breakfast. In the most part though it does it's job, especially when you are using water. This mini shaker is perfect for 300ml shakes like Whey, Total Protein and Hurricane XS. Just put your powder in and fill to the top and it's perfect. I use it with Hurricane as my post workout. Much easier having the small cup in my bag. Tip: The ball rattles about in the cup once you finish your shake. Really annoying when it's in a backpack. To stop this: Fill your shaker up with water before you put it back in your bag :).Goes Well With:Smaller shakes (300ml and less)
Had a couple of these and every lid has cracked where the inside screw thread screws onto the actual shaker cup, bought one buschsteiner shaker and had no problems with that version and it's about the same price as this one.Goes Well With:Post workout shakes
Never tried any other protein shake bottle but this one works really well. Although if you put the protein powder in first it does get stuck to the bottom, but not a massive problem if you put the liquid in first then the powder second.
3 weeks of constant use, several times a day so far and it's doing the job quite well! Easy to wash and wide enough to put the scoops of protein without spilling half of it on the kitchen surface, I'm happy with it.Goes Well With:BCAA and post workout protein (25g scoop) as just the right size
Fab bottle! Shakes your protein up fast and leave nothing unmixed Goes Well With:Diet whey protien
It's a great little shaker, easy to carry around and easy to fit in any bag size! The shaker ball is great to break up the protein and give the drink a great smooth texture. I would recommend this shaker to any one looking for a new effective reliable shaker! #FuelYourAmbition
I've been using the mini shaker bottle for a couple of weeks now. I find that it comes in handy when I am on the go or in a hurry as it is only lite and only small. The only problem I've come across is a small leak from the lid while shaking it to blend to the protein. Other than that it's a very useful product. Goes Well With:I use it with the Impact Whey Protein - Chocolate Brownie, but also add some instant oats, which works well.
Very useful, easy to use, perfect size
Good for mixing and eliminates any lumps. Although feels like a thin cheap plastic. Starting to see plenty of marks after a few washes. If this is just cosmetic then no problem, but looks like the screw top lid may not seal tightly as the plastic deforms
Does what it supposed to do, happy with it.Goes Well With:Any powder that needs mixing.
Great size, easy to carry in gym bag. The ball inside helps to break up the protein powder but though I shook it very thoroughly, the powder didn't fully mix and it tasted grainy. This could be the powder instead of the shaker so I can't be sure.
For me it was the perfect size bottle, I have used the bigger one in the past but for me this size is perfect
I love it. It's small enought to fit in every bag. Great product!Goes Well With:Protein mixture and Creatine Monohydrate.
Thank you for the excellent service. Good quality product.
So much better than the large versions - nice and compact. Good value.Goes Well With:Protein shakes
Great product, use for mixing pre workout - prefer bigger bottle for protein shakes.
Bought this bottle the other day, works perfectly mixes well and its nice and compact. Goes Well With:Liquid
Excellent product, mixes protien very well and is a perfect size.
Perfect size and shape to carry around and mixes just right. Looks nice too. Better size if using just for a quick hit or meal replacement
Really good shaker to mix bcaa's with, it is also convenient for use as a small water bottle carry it in my bag so I am never dehydrated. It's about 3/5th the size of the normal shakerGoes Well With:Water and milk
great size for a shaker, the mixing ball does a decent job and it seems to be leak free.
Perfect for pre workout just the right size
This shaker is perfect. Fits into my gym bag. Quick to shake and mixes great. Great size aswell. Goes Well With:Protein powder
This is perfect size shaker for meal replacement and protein shakes. Handy enough to travel with too 👍🏻
Great bottle & a perfect size for our pre- & post-workout drinks. Mixes well, washes easily & easy to drink from.
This bottle mixes my Whey Protein with ease, very impressed and a cracking price!!!
Best one on the market by far
Great product. Does what it's supposed to very well
good size item,does what is required.
Recently Purchased this and it's amazing an easy way to store all my powders and easy to carry around with .
Great little bottle, 400ml liquid, can hold more, but max of 400ml then powder, with enough room to shake and mix contents. Easy to shake with mix ball. Easy to clean after use.
Useful shaker, excellent one Goes Well With:All the shakes
Great shaker everything is awesome . Just one wash in the dish washer and it came out cracked . Anyone else have this problem?
Fantastic. Perfect size to make a decent shake without the bulk of some mixers. Mixed very well and very easy to clean. Would definitely recommend. Goes Well With:Mixes any protein powder well
The small shaker is a lot more practical in comparison to the larger shaker, it fits a lot easier in your bag/fridge where ever. It is also a much better size when regarding how much protein you actually use/drink in one day. Goes Well With:protein?
Marvellous piece of kit. Does what it's supposed to do and just the right size for my requirements.
Great little shaker. Much improvement on the old shakers that have the sieve top. The wire ball helps mix the shakes really well and this little version is perfect for flinging in the gym bag
I have a handful of these mini shakers for work and home etc. The size is ideal for the amount of liquid I like to take with my protein powders. I haven't had any of the breaking issues reported by some of the other reviewers but as I have 4 of these shakers none of them are really being beat to death. Generally speaking also I usually wash them by hand and not in a dishwasher. The size is great for me. The lid top is strong and secure. The included metal ball is actually surprisingly effective at creating a lump free and thick shake, much better than I can achieve with a mesh layer shaker. The size is also handy for transportation.
This shaker is the perfect size. The metal ball ensures that you never have any lumps in the shakes and it's really easy to clean 10/10
This is a great little blender bottle- it's a good portable size to carry around in your gym bag. It doesn't leak and the mixer ball ensures that the protein drinks that I have consumed have been perfectly blended after a vigorous shake. The bottle is durable and is easy to clean as well. Great value for money and perfect for its purpose. Goes Well With:Protein powder drinks.
Great little thing. Washes easily, mixes well and you wouldn't need a bigger size unless you were making mega shakes.
Great little product. Works as would be expected and quick and easy to mix powders and make smooth.
The mini bottle is the perfect size for me. I mix 1 scoop with 200ml of almond milk so a bottle any bigger is just a waste of space. Took it to the gym with me this morning and fit in my gym bag nicely.
Best blender I have found, perfect size and the ball gives the shake a nice smooth consistency. Will buy again when theme comes.
Bought this a month ago and it's by far better quality from others that I 've used before! It mixes everything just perfect even without using the wire blending ball and it's small enough to fit everywhere.
I wasn't sure if buying the little bottle was a good idea, I had no real reason for choosing it apart from thinking it would fit in my bag a bit easier. Good news, it does fit in my bag better than the large one would do and considered i only use it for 350ml shakes this size is perfect for my needs. It mixes stuff as well as any bottle I've used before and feels a bit tougher than the tall bottle, i guess cause it's shorter it's a bit stronger. No regrets on choosing the smaller option, it's also a pretty good size to grip in your hand and shake like you're a dulux paint mixer.
Great mixer bottle, eradicates all lumps in no time, less faffy than a blender , so impressed ordered another for my partner Goes Well With:a wiggle
Brilliant just mix with water and shake quick &easy love it with my protien


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is the cost of the repair extremely high? I know it is time consuming to remove the motor and rebuild it since the motor doesn't have any compression in it. how long should it take for the repair for the V-8 5.7 liter engine?
by IRB13007 in Birmingham, AL on January 15, 2011


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Join spankwire.com today for FREE, and gain added functionality
that members enjoy.
Passwords are case sensitive.
Two smoking twins fuck/suck each other and some lucky bastard.
Most beautiful in life is to have sex with your own family members.
Whats the names of twins? They are fucking hot. Id do them right now.
i hate when the dude makes noise..just fuck and shut up..
lol at 17;49 he all "hulk smash!"
can i cum in too?........... i want in!!!!!!!!!!!!
They dont look like twins. But if you want to beleive their twins just pretend their non identical thats what i do.
Does anyone else think that these two are not twins? They dont look alike at all, so I see no proof of them being twins
his comments are just stupid, and i dont get the chokin on his dick shit, buuuuuut i still want the vid lmao
that link works whiteman, but i wana be able to keep the .wmv on my computer. and when i try the link up top at spiked humour, it just does that disclaimer window, and everytime i hit accept it just refreshes the disclaimer page...
Try that, it downloads the original .wmv file (179.8MB)
the media player mode doesnt work for me. and the spikedhumor change never worked for me either. the disclaimer doesnt come out ... any idea y?
These chicks are hot who are they ?
I cant view this. its Pink. my computer cant play WIndows media player for some reason. any help??
How do you think that they're twins? They look nothing alike... Also, he calls them girlfriends, and asks if they are still lesbians. haha Good video though! ;o) That dude was hilarious!
That guy's noices are hilarious. Just a little over the top.
yeah more please
excellent vid! post more! 5/5
upload more stuff 5/5
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by REERA YOO | @reeraboo
Hyundai recently launched a clever marketing campaign entitled, "A Message to Space," which helped a 13-year-old girl from Houston write a special hand-written message to her astronaut father aboard the International Space Station.
Using Nevada's Delamar Dry Lake as a blank canvas, Hyundai dispatched 11 Genesis sedans to carve the message "Steph [hearts] you" into the ground by using their tire tracks to create giant lettering that's big enough to be read from space.
Hyundai notes that the size of the message is larger than one and a half Central Parks. Measuring 5.55 sq kms, the message is so big that the Guinness World Records officially recognized it as "the largest tire track image" in the world.
After capturing a photo of his daughter's message from the space station, the astronaut thanked his daughter in a video call.
Scott Noh, the head of Overseas Marketing Group, said in a press release, "The campaign highlights our philosophy of caring for customers through emotional interaction and becoming a brand beyond simply a means of transportation."
Hyundai did not disclose which astronaut was the recipient of the message, but you have to admit, it's a pretty cool trick.


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Charlie Morton's Gain Is Matt Hague's Loss
Price, Karen, Tribune-Review/Pittsburgh Tribune-Review
SAN FRANCISCO -- The move was expected. The player moved was not.
The Pirates reinstated pitcher Charlie Morton from the disabled list Saturday in time to make his first start of the season last night against the San Francisco Giants.
In doing so, the Pirates had to make room on their 25-man roster. The team opted to send bench player Matt Hague to Triple-A Indianapolis rather than reserve infielders Josh Harrison or Yamaico Navarro, despite Hague having shown so much offensively in spring training.
General manager Neal Huntington said it could have been any of the three, but it was Hague.
"It was a tough choice because we had a lot of options to keep guys on the club for various reasons," Huntington said. "As we looked at the next stretch of starting pitchers, the next stretch of what was going to give (manager Clint Hurdle) the best versatility to win that night's game, the defensive versatility and flexibility of Harrison and Navarro on the bench will allow Clint to make maneuvers that he needs to during the game."
Huntington noted the number of right-handers the Pirates will face in the next few series and said he does not consider this a long-term move for Hague. Hurdle also said that roster spot could be one that changes frequently based on need.
"Yamaico and Josh just have a little bit more experience (playing the bench role) than Matt, more in-game flexibility," Hurdle said. …


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Droolworthy Gingerbread House by riokaWatch
©2007-2016 rioka
........D: <---- Me when I saw this at the New York Botanical Garden around November 2006. I'm drooling, btw. And you'd be inhuman if you're not drooling too or at least amazed by how fantastic this is. There was only a glass pane seperating me from this masterpiece... and now that I think about it, maybe I should've just broken the glass and taken a bite.
Image was cropped from the original picture size. No brightening or contrasting was applied.
Image was cropped from the original picture size. No brightening or contrasting was applied.
WOW it the only word to describe this
Thank you for sharing this....some of us don't have access to big city places that have wonderful masterpieces like this.
No problem! I think it would've been a crime if I didn't share something as nice looking as this. Maybe I'll go again this winter and see if they have more gingerbread houses on display... :9
Whoever made the ginger bread house did a really good job on it. I thought it was just a regular model house until you said it was a ginger bread house.


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Online and Telephone Banking
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You can access your account online, on your smartphone or by phone. Our lines are open 24 hours a day, 7 days a week (except for 25 December when lines are closed)*. So you can always:
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Threaded View
14 Nov 2012 10:47 AM #1
Unanswered: textareafield-how do I get this control to stretch to fit as well as have a minHeight
I've created a panel contained in the 'east' zone of a border layout viewport which contains vertically stacked input fields with the bottom field being a textareafield.
What I want, is the textareafield to resize with the viewport but maintain a minimim vertical height.
I have set the overflowY on the form to 'auto' to display a vertical scroll bar if the viewport is smaller than the form.
The problem is by the time the vertical scrollbar is displayed the textareafield has already been reduced in height to 0 pixels so you can't read or edit it's contents.
Is there any way to fix this?


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All Student Health Center services are provided by appointment. All future and same-day appointments can be scheduled by calling 512.245.2161 to speak with an appointment clerk. Appointments can be made up to two weeks in advance. Please specify whether your location is San Marcos or Round Rock.
NOTE: If you need to cancel or change your appointment, you must call 512.245.2161 at least two hours (24 hours for psychiatry) prior to your scheduled appointment time.
Be prepared to determine the best time for your appointment.
Currently enrolled students attending classes at the San Marcos or Round Rock campus pay a Medical Service Fee (MSF) each semester that gives them access to Student Health Center services. Students who take correspondence courses are also eligible for care at the Student Health Center.
Students enrolled in the previous semester can receive care during the periods between academic semesters. See chart below.
Students not currently enrolled may use the Student Health Center for one long semester after their last semester enrolled at Texas State.
|Last Semester Enrolled
|Eligible for services, currently Enrolled
|Eligible for services, "Grace" Semester
|Summer 2016
|June 1, 2016 - Aug. 26, 2016
|Aug. 29, 2016 - Jan. 13, 2017
|Fall 2016
|Aug. 22, 2016 - Jan. 13, 2017
|Jan. 16, 2017 - June 2, 2017
|Spring 2016
|Jan 13, 2016 - June 3, 2016
|June 6, 2016 - Aug 26, 2016
Faculty and Staff
Texas State-sponsored camps, programs and workshop participants
Spouses, children and friends of Texas State students are not eligible for services at the Student Health Center.
What to Expect During Your Visit
When you visit the Student Health Center for your appointment, you will check in at one of the four computers in front of the reception desk.
Student Health Center Lobby
Once a nurse calls your name, you will be escorted to an exam room.
Exam Room
On-site Laboratory
State of the art on-site Digital Radiology
Pharmacy and Cashier
After your medical visit you will be directed to the lobby.
Free Patient Parking
Once you leave the Student Health Center, you will need your validated parking ticket to exit the patient parking lot.


text:
The theme "Freedom coming, freedom for all", kicks off a slew of activities celebrating Black History Month at the North Carolina Museum of History in Raleigh.
One of the key topics is this story is Ruth and the Green Book.
According to Earl Ijames, that book was an important resource for folks who were part of the Freedom Riders.
Ijames says, "The Green Book was a travel guide for anyone, black, white, Indian, who wanted to travel in the segregated south places they could encounter segregation."
Freedom Riders were a group of activists who traveled in small groups throughout the south, challenging segregation at every level.
For visitors at the North Carolina Museum of History, there's a documentary depicting that work, as well as an exhibit with an actual copy of the 13th Amendment.
Commemorating the 150th anniversary of the Emancipation Proclamation, to the passage of the 13th Amendment after the fall of Fort Fisher. It's all here in North Carolina.
Ijames says, "We want people to understand that Black History Month is more than history for everyone, Black History Month is a learning opportunity."
An opportunity that continues throughout February.


text:
02 October 2013
Photo: Sergio LlameraDavid Nalbandian (ARG)
Argentina's faithful Davis Cup servant David Nalbandian has decided to retire from professional tennis, citing a shoulder injury for his inability to carry on competing at the highest level.
Nalbandian ends his career as the second most successful Argentine Davis Cup player ever with a total win-loss record of 39-11 behind only Guillermo Vilas (57-24).
He helped his beloved country to reach three Davis Cup finals - in 2006, 2008 and 2011 - and said in a press conference in Buenos Aires on Tuesday that his biggest regret was not winning the coveted team tennis trophy, adding that seeing pictures of him playing Davis Cup brought tears to his eyes.
With the talismanic Nalbandian on the team, Argentina never lost a World Group first round tie and his 11-year career on the team will be remembered fondly by fans and pundits alike.
The 31-year-old Argentine called it a "difficult day," but added that he was "super grateful" to his sport. He said his shoulder did not "respond well" to treatment, concluding, "I cannot compete."
Away from Davis Cup, Nalbandian was widely regarded as one of the best players of his generation but he never managed to win a Grand Slam title. He reached the semifinals or better at all four majors, finishing runner-up at 2002 Wimbledon, he hit a career-high ranking of No. 3 in 2006 and spent five consecutive years in the Top 10.
Nalbandian will play an exhibition match against 13-time major champion Rafael Nadal on 23 November in Buenos Aires.
View a gallery of Nalbandian's Davis Cup career
David NALBANDIAN (ARG)
Take our quiz to see which Davis Cup by BNP Paribas champion
Have you ever dreamed of being Yannick Noah? Well, now's your
The Tualatin Hills Tennis Center in Portland, Oregon will play
Serbia will play its Davis Cup by BNP Paribas quarterfinal with
Czech Republic will host its Davis Cup by BNP Paribas
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Rated 5 out of 5 by 1 reviewer.
Rated 5 out of 5 by Celtic1 Favorite scented soap thus far I LOVE the spicy scent of this soap! I am not a "fruity" type when it comes to scented products, so am always looking for a good veggie spicy-scented soap. This bar is so large, I cut it into four bars, so the cost is reasonable for me. PLEASE keep this in stock, World Market. Seems like every time I find one I love, you don't have it anymore. Hope this one is in stock for a good long while! October 2, 2013
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Independent oil & gas producer Linn Energy (Nasdaq: LINE ) struck impressive operating revenues this past quarter despite some messy losses from hedging. But its future plays could mean a real gusher for investors.
Drilling into the numbers
Oil and gas revenues for the quarter rang in at $444 million, a 54% increase over the same quarter last year. These lofty production numbers were severely hampered by the $411 million loss it took on derivatives it had in place to hedge against oil prices. Net income for the quarter landed at $430 million, a $2.18 loss per share. The management team gave no indication during its conference call that they were too concerned about the hedging losses during the quarter. These one-time losses will not adversely affect the bottom line of the company going forward.
During the earnings conference call on Oct. 25, Linn Energy's CEO Mark Ellis commented on the $990 million acquisition of the Green River Basin natural gas properties from BP America (NYSE: BP ) . This was Linn's fifth major acquisition in 2012, bringing the total spent on new properties to $3.1 billion. This could be the start, though, as they believe that $20 billion to $30 billion of properties will be on the market in the next 18 months.
What a Fool believes
The recent shopping spree by Linn hints that the company perceives a more lucrative natural gas market in the future. It appears, though, that Linn is looking to take advantage of several other gas companies who want to divest. Those major acquisitions over the past year and the seven acquisitions from 2011 add a considerable amount of debt to the balance sheet. If natural gas prices pick up, though, Linn could be riding these new proven reserves all the way to the bank.
What should really intrigue investors is Linn's monster dividend. Current shares receive a 7.1% distribution yield (it's not a dividend because Linn is an LLC). The only major oil & gas company that even comes close to this level is French giant Total SA (NYSE: TOT ) , yet Total's dividend is still less than Linn's by 2 percentage points.
Avg. 5-Year Growth Estimate
Dividend Yield
Payout Ratio
Linn Energy
ExxonMobil (NYSE: XOM )
Chespeake Energy (NYSE: CHK )
Total SA
The payout ratio for Linn does look scary at first glance, but keep in mind that the company does not participate in exploration. Rather, they acquire known or proven reserves and milk the well for everything it has. This certainly lowers risk, but it does saddle them with a high debt burden from so many acquisitions. Increased revenue from the new fields should tamper debt levels. I would keep a sharp eye on its debt levels, but Linn has positioned itself well, and that strong dividend makes Linn look like a buy. I will be placing an outperform rating on the company on CAPS to keep me honest.
There are many different ways to play the energy sector, and our analysts have uncovered an under-the-radar company that's dominating its industry. This company is a leading provider of equipment and components used in drilling and production operations, and poised to profit in a big way from it. To get the name and detailed analysis of this company that will prosper for years to come, check out our special free report: "The Only Energy Stock You'll Ever Need." Don't miss out on this limited-time offer and your opportunity to discover this under-the-radar company before the market does. Click here to access your report -- it's totally free.


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Use the tools below to refine your search by only displaying reviews with a certain number of star ratings or to only show reviews from a certain time period. Eg click on '1 star' to just display the reviews we have which received a 1 star rating click or 'Within the last month' to display just reviews posted over the last month.
Written on: 10/04/2000 by Geoff Beasley. (1 review written)
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Oklahoma City Alumni Chapter
Join us for our spring meeting on April 16 from 4:00-6:00 p.m. at Pioneer Pies, 2201 SW 74th St., Oklahoma City, OK 73159. Our special guest speaker will be the Alumni Association President, Brian Thompson '82! We look forward to seeing you there!
Northwest Arkansas Alumni Chapter
We hope to see you at our spring meeting on Saturday, April 16, at 12:00 p.m. where we will hear from Dr. Marci Linson, Director of Admissions, and Mrs. Natalie Rasnick, Director of Development at College of the Ozarks! Join us at Christ's Church, 525 W. 15th Street, Fayetteville, AR 72701. Our event is potluck style, so please bring your favorite finger foods. See you there!
Point Lookout/Tri-Lakes Alumni Chapter
Save the date for our annual fish fry and white elephant auction on Saturday, May 14, at 4:00 p.m. in the Good Center at College of the Ozarks!


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Load Serving Entity 201
Load Serving Entity 201, a one day course, familiarizes Load Serving Entities (LSEs) with the wholesale costs of serving load in the ERCOT nodal market. The objective of this course is to define these costs, introduce several tools available for managing these costs, and then practice using the tools in various scenarios.
The course begins with a review of the overall nodal market structure, including the roles of various Market Participants and the often complex relationships between them.
Next, the course explores the factors influencing locational marginal prices (LMPs) and the resulting Settlement Point Prices. This section builds upon knowledge gleaned from the Nodal 101 prerequisite course and pushes deeper into the nature of price separation between Settlement Points when ERCOT experiences transmission congestion.
The next section introduces the wholesale market costs of serving load, including costs for Energy, Capacity, Congestion and Ancillary Services. The course explores how the various costs are realized and then introduces the following tools available in the Nodal Market design to hedge or manage these costs:
- Bilateral Trades -- Includes energy trades, capacity trades, and ancillary services trades
- Day-Ahead Market -- Includes Bids to buy Energy and PTP Obligations
- Congestion Revenue Rights (CRRs) -- Examines the basic types of CRRs and how CRRs are acquired.
The remainder of the course is scenario-based and focuses on using these tools to hedge the wholesale market costs of serving load. This portion includes both instructor-facilitated scenarios and team-based exercises to explore various combinations of these tools.
Prerequisites: ERCOT Nodal 101
Note: Attendees are required to take the above prerequisite course. The Load Serving Entity 201 course will be taught assuming that the student possesses a thorough understanding of the information covered in the prerequisite courses listed above prior to attending.
Class time is as follows:
8:00 a.m. - 5 p.m.
This course is designed to provide key market information for all LSEs including REPs, load aggregators, cooperatives, and municipalities. Personnel from REPs, load aggregators, and utility departments including executives, directors, managers, schedulers, coordinators, traders, planning engineers, operations engineers, EMS - AGC engineers, engineering technicians, IT support staff, accountants, and others will gain valuable insight into the business functions of operating a LSE in the Texas nodal market.
Course Schedule
|Start Date
|Wed Jun 08
|1 day
|GDF Suez
|Instructor Led
|Sign up
|Wed Sep 21
|1 day
|Georgetown Public Library
|Instructor Led
|Sign up
Prerequisites: ERCOT Nodal 101
Note: Attendees are required to take the above prerequisite course. The Load Serving Entity 201 course will be taught assuming that the student possesses a thorough understanding of the information covered in the prerequisite courses listed above prior to attending.
Class time is as follows:
8:00 a.m. - 5 p.m.
Please check back frequently for updated course schedules.
Download Texas Nodal Program training class materials and presentations in PDF format. As new classes are offered, key materials will be posted here.
Course materials for instructor-led courses will be provided in hardcopy on the day of the class.
Load Serving Entities 201
(Feb 07, 2013 – pdf – 16.4 MB)


text:
Pokemon Trading Card Game Cheats for Gameboy ColorHome / Gameboy Color /
This page contains Cheats for Pokemon Trading Card Game organized by sections for Gameboy Color. This game has "Card Battle" as genre, made by Hudson, released on Apr 10, 2000. If you can't find a hint or secret in our list, then please check this page periodically for the latest updates.
- Developer: Hudson
- Publisher: Nintendo
- Genre: Card Battle
- Release: Apr 10, 2000
- ESRB: Everyone
Press Up just before the opponent's coin is displayed when battling an opponent. If done correctly, it will land on tails most of the time...From: wow916
Press A when the Pikachu coin is spinning right on Pikachu's face. Note: This requires precise timing...From: callster07
Press A + B + Start + Select during game play to reset the game...From: silvia
In Dr. Masons Lab, both Sam and Aaron will give you a pack full of energy when you defeat them/ Sam only plays with two prizes, making him faster to defeat. To get ten free energy cards, go to Sam at Dr. Mason's Laboratory. Challenge him to a normal duel. If you get the first move do the following: 1. Place Goldeen on the arena 2. Place Staryu on t..From: sabz12
Defeat the Grand Masters and get the Legendary Cards to unlock the Duel Machine in Dr. Mason's Lab...From: babynicky
To look at all of your prizes in your duel, defeat the defending Pokemon and look at one of your prizes. Then, either reset the game or shut it off. Select "Continue Duel" and defeat the same Pokemon again and look at other prizes. Repeat this until you see all of your prizes...From: Reptar
There is a Mew card with a purple background that looks just like the non lvl 2 version. It can be only acquired through Card Pop, and is extremely rare and powerful...From: joshmotus
Defeat Sara in the Water Club to get to Colosseum Booster Packs. They each have a Gyarados...From: gilmarvb
Select the Charmander and Friends deck at the start of the game...From: Jules
If your opponent sends out Kangashkahn as their first Pokemon, you can easily win by attacking Kangashkahn until it has a few HP remaining. Your opponent will most likely have one energy card attached to Kangashkahn, and will use the attack Fetch. If you do not attack Kangashkahn and knock it out, your opponent will keep drawing cards until they ha..From: marissarenee
When you have a lot of cards and not a lot of medals, make a deck of Pokemon cards that is strong against the medal you want. For example, if you want the Fire Medal make a deck of Water Pokemon. Note: This trick does not work well for the Psychic Medal, because Psychic is weak against Psychic...From: avrock987
Save the game before reading the email from Professor Mason. Whenever you get a type of card you do not want, reload the game. The cards will be different when the game is resumed...From: PangaIsNotChanga
After getting your own deck, go to Sam and offer to play a real duel. You will use the same practice deck and the flow of the game will be the same as during the tutorial. If you win, you will get booster pack full of energy...From: Tigess33
Press B if you do not want to wait for the cards to be done shuffling...From: Ostemad
Go to each club lounge until you find Imakuni. Then battle him to get four booster packs for each victory. However, he may instead give you his Imakuni card. Repeat this until you have most of the cards needed to build a healthy deck...From: littleman10
In the Fighting Club, talk to a man on a chair. He will ask you for a Omastar. Give this card and play farther in the game. Then, go back. He will now ask you for a Rapidash, and later for a Weezing. If you do this he will give you a promotional Pikachu level 16 card...From: Reika666
Once you have collected many energies, go to the Fire Club. There will be a person standing by the bookshelf. He will ask you to give all of your extra energy cards that you do not have in your decks. He will then tell you to go two spaces left of the bookshelf (at the picture). Press A to get a promotional Slowpoke card, which can use Amnesia and ..From: vernon
There is a person named Erik in the Science Club, When ever you defeat him, he will give you Evolution Booster Packs. In them is at least two of the following Pokemon: Charmander, Charmeleon, Charizard Squirtle, Wartortle, Blastoise Bulbasaur, Ivysaur, and Venusaur...From: jameskukuru
First, create a deck that includes four Gastlys, three Haunters, two Gengars, a variety of Colorless cards (at least fifteen), four Pokemon Breeders, and a good amount of Psychic Energy cards. Then, face off against Murray. This fight will be much easier due to the fact that most colorless cards have a resistance to Psychic, and Gastly, Haunter, an..From: RYAN
After you get two medals, go to the Challenge Dome. You will fight three people, including Ronald for a rare Mewtwo card. If you return and compete in different matches, you can receive rarer cards, like a Level 8 Mew...From: NarutoLover28
When you have a bad outcome or use a wrong attack in a battle, just turn the system off. This will save the battle, which you can return to and repeat your turn. This is useful when you do not want to lose a Pokemon. Simply allow your opponent to attack, then turn off the Game Boy...From: bearsfan29
After defeating the four Grand Masters, go back and fight them again to win more cards...From: ViceCity
After you receive your first two medals, save your game. Right after the second medal battle, you will face Ronald or your rival. This way, if you lose, you can restart the card fight. Ronald will also fight you after you win your fourth or fifth medal...From: transformerskid
Send out Staryu. Place Goldeen on the bench. Put Water Energy on Staryu. End your turn with Slap. Put Water Energy on Goldeen. Evolve Goldeen into Seaking. Use Slap. Replace Staryu with Seaking. Give Seaking Water Energy and attack. Sam put Raticate. Attack with Waterfall, two times...From: escoto
After you defeat the four Grand Masters, you will battle Ronald. He got to the cards one step ahead of you. Ronald's deck already has the four legendary cards, and thus is difficult to beat. Use Hitmonlee's (Lv. 30) Stretch Kick and knock out Ronald's benched Pokemons one by one. This is best done when he has his Kangaskhan on the arena, because he..From: macc
When you defeat a Grand Master and are prompted to prepare your deck, answer "Yes". You will be able to save the game. If you lose. just turn off the game and restart at the Grand Master again rather than starting from the beginning or losing the legendary cards. Note: This also is useful during the Challenge Cup...From: darkgirl556
In order to fight Mitch of the Fighting Club, you must first defeat his three students. They are all training at different clubs. Jessica is in the Lightning Club, in the room on the left. Chris is in the Rock Club in the same room. The last student, Michael, is in the Grass Club just as you walk in. He will be next to the plant. After you defeat t..From: lorianderson200
Video Walkthroughs
If you know cheats, secrets, hints, glitches or other level guides for this game that can help others leveling up, then please Submit your Cheats and share your insights and experience with other gamers.
Stuck in this game? Set a specific, clearly defined question and let other gamers answer your question or view answers to previously asked questions. If you think you are an expert then please try to help others with their questions.
I've already beaten the people in the club room and the one in the club lobby but where is the last one?...
Posted on: 07-21-2015
I have 210 cards and ken still won't duel me. HOW MANY CARDS DO I NEED?...
Posted on: 08-26-2014
Just started to play this game as I plod through games I used to love as a youth. I found an excellent translated version so I've been playing it in English. I've beat the GR Kind already, and I've be...
Posted on: 08-12-2014
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