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HelloSign's online signing fits into every corner of a company's landscape, whether that be in an HR department, on a Sales team, or with a contracted legal team. No company demonstrates this better than WorkRamp, an enterprise training platform.
WorkRamp uses HelloSign to complete several types of business-critical agreement flows, saving precious resources across the entire company.
We spoke with Ted Blosser, WorkRamp's Head of Sales and Customer Success, to get the scoop.
More details below!


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text: The Jets, the Donald, Woody and England Submitted by sbn on Sun, 06/25/2017 - 22:00 New York Jets owner Woody Johnson will be nominated by President Donald Trump to serve as U.S. ambassador to the United Kingdom, the White House announced Thursday night. If Johnson is nominated and approved by the Senate, his younger brother, Christopher Johnson, 58, will assume the role of chairman and CEO of the Jets, the team announced. Christopher Johnson, a minority owner who lives in New York, would oversee the day-to-day operations of the team. Read more about The Jets, the Donald, Woody and England


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Honesty, trustworthiness, transparency and communication are key qualities an advisor-less would want in a future advisor.
Almost one-quarter of all American investors operate without the use of a financial advisor. Some do so because they don't want to pay the fees (or don't think their portfolio warrants an advisor) while others do so because they believe they can do a better job at investing than a professional.
However, even without using an advisor, these investors know what qualities they would want in an advisor if they decided to change their investing procedures.
Spectrem's new study Lost Without an Advisor: How to Attract Advisor-Less Investors details the thinking of investors who do not currently use advisors. The study notes that only between 7 and 14 percent of those investors consider it likely that they will ever use an advisor.
First, let's look at the opinions of investors who think they can do a better job investing than an advisor. Ninety-three percent of those investors say they want their advisor to be honest and trustworthy, and 90 percent want an advisor to provide transparency and keep the investor informed as to what they are doing.
Almost 90 percent would look at the investment record of an advisor, and 89 percent would examine the fees or commissions charged by the advisor. Three-quarters of investors who think they could outperform a financial advisor would want an advisor who offers products from a variety of different companies, and 71 percent would want their advisor to provide services via a website or online.
As might be expected, investors who think they could do a better job than a professional are more opinionated about what makes a good advisor than those investors who simply don't use an advisor due to cost.
Among the investors who don't want to spend money on an advisor, 87 percent would want an advisor who is honest and trustworthy and also would wan tan advisor who provides transparency and keeps the investor apprised of what is going on with the investments. Eighty-four percent would want to know the investment record of the advisor, and 73 percent would want an advisor who offers a variety of investment products from different companies.
Kent McDill is a staff writer for Millionaire Corner. McDill spent 30 years as a sports writer, working for United Press International and the Daily Herald of Arlington Heights, Ill. From 1988-1999, he covered the Chicago Bulls for the Daily Herald, traveling with them every day through the nine-month season. He also covered the Bulls for UPI from 1985-88, and currently covers the team for www.nba.com. He has written two books on the Bulls, including the new title "100 Things Bulls Fans Should Know And Do Before They Die', published by Triumph Books. In August 2013, his new book "100 Things Bears Fans Should Know And Do Before They Die" gets published.
In 2008, he resigned from the Herald and became a freelance writer. The Herald hired him to write business features and speeches for the Daily Herald Business Conferences and Awards presentations.
McDill also writes a monthly parenting column for the Herald's Suburban Parent magazine.
McDill is the father of four children, and an active fan of soccer, Jimmy Buffett and all things Disney.
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Comfort Inn Clare Central AU698
100% Smoke Free Hotel
325 Main North Road, Clare, SA, AU, 5453
This 3.5 star Clare accommodation is conveniently located in the centre of Clare, nestled in the heart of the Clare Valley wine region and right next door to the... More Info
This 3.5 star Clare accommodation is conveniently located in the centre of Clare, nestled in the heart of the Clare Valley wine region and right next door to the popular Knappstein Winery. Nearby Inchiquin Lake is the perfect place to enjoy the great outdoors with picnic and barbeque facilities, playground and walking trails. The Comfort Inn Clare Central is within walking distance from Clare's main streets, shopping, supermarkets and a variety of restaurants.
Relax in classic colonial style Clare accommodation
This Clare accommodation offers a range of suites, all at ground level and tastefully decorated with a range of standard rooms, spa rooms and family rooms. Our family spa rooms have a queen bed and fold out double sofa in the main room and two single beds in a separate room. These rooms have all the standard features and are ideal for families of four or more. Our spacious standard rooms contain a queen bed and large couch. Our two-person corner spa rooms are spacious with a queen bed, table and chairs, mini bar, free Wi-Fi and Austar cable TV. Our spacious twin rooms contain a queen bed and one single bed.
Enjoy our Clare accommodation dining and facilities
Our modern à la carte restaurant is open four nights a week, serving some of the region's finest cuisine. Breakfast is served daily either in the restaurant overlooking the sparkling saltwater pool or delivered to your room. After a busy day of meetings, sightseeing or wine tastings, enjoy a refreshing swim in the outdoor saltwater pool or just relax in the garden under the shade of the tree at this colonial style Clare accommodation.
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Category Archives: Crime Fiction Alphabet
A GRAVEYARD FOR LUNATICS (1990) by Ray Bradbury
Hollywood, 1954 and the unnamed protagonist of Ray Bradbury's Death is a Lonely Business (which I reviewed here) is back. When we saw him last he was a struggling pulp writer living in Venice (California) – since then has moved … Continue reading
THE ZEBRA-STRIPED HEARSE (1962) by Ross Macdonald
This review is my final contribution to Kerrie's 2012 Alphabet of Crime community meme for her Mysteries in Paradise blog, which this week reaches the letter Z. It's been an amazing ride for six months and I am pleased as … Continue reading
THE YELLOW DOG (1931) by Georges Simenon
This is one the first Maigret novels. Georges Simenon chronicled some 100 of his cases over a period of 40 years but initially churned them out in a blaze of activity – indeed this was the first of seven Maigret … Continue reading
THE BEAST OF THE CAMARGUE by Xavier-Marie Bonnot
Dr Xavier-Marie Bonnot, author of the Commandant de Palma series, is the focus of this week's Alphabet of Crime entry, which is reaching its always fairly head-scratching conclusion now that most of the 'easier' letters, shall we say, have been … Continue reading
THE WENCH IS DEAD (1955) by Fredric Brown
This unconventional mystery by cult author Fredric Brown has unfortunately become a little bit scarce, its absentee status probably not helped by the fact that the title, taken from Christopher Marlowe, has been used for several other novels too. The … Continue reading
VERONICA'S ROOM (1973) by Ira Levin
Even if you have not seen his plays performed on the stage or read his novels, you are probably familiar with some of the movies adapted from the work of Ira Levin (1929-2007). I thought I knew his output pretty … Continue reading
UNFINISHED PORTRAIT (1934) by Agatha Christie
When I started Fedora I promised myself that I would try to avoid Agatha Christie as much as possible, not because I don't enjoy her work but simply out of a spirit of self-preservation. She is already so well represented … Continue reading


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posted by Jennifer .
Tito Sanchez receives a weekly salary of $400. he also receives a 6% commission on the total dollar amount of all sales he makes. What must his total sales be in a week if he is to make a total of $790?
if sales = x, then salary s is given by
s = 400 + .06x
If s=790, then
790 = 400 + .06x
390 = .06x
x = 6500
Petsmart has sale offering 10% off of all pet supplies. If Amanda Miller spent 15.72$ on pet supplies before tax, what was the price of the pet supplies she purchased before discount?


text: Midnight Sale 2012 In 2012, Midnight Sale re-presents a different concept. In previous years, Midnight Sale held simultaneously in different cities. But entering the 6th year, Midnight Sale turned into a series of road shows held once a week in five different cities, namely Bandung (June 1), Jakarta (June 8), Yogyakarta (June 15), Surabaya (June 22) and Makassar (June 30), with the main program is Double Discount (+10%) and Live Music punctuated with live performances by 12 musicians / bands from across different genres. Bandung was appointed to be the first city opening the Midnight Sale Road Show 2012 on Friday night (1/06). More than hundreds of customers in attendance from 6 pm has become evident that the Midnight Sale is eagerly awaited. The queues started from the store gate to more than 100 meters along the road of Sultan Agung, Bandung which is usually quiet at night. On the mini stage, a marathon line up featuring bands like Sparkle Afternoon, Affen and Strangers. On the sidelines of the band's performance, the audience were entertained by MC URBAN (Wanda, Elmy & Rony) and Niniet Kaluna who was successfuly entertain the attendance. In the middle of Midnight Sale Road Show #1 event, the drawing "Type Scoot in Point & Mio Fino" program is conducted, with prizes of 1 (one) unit Yamaha motor bike. The sweepstakes is powered by Yamaha for consumers (especially Bandung) who have shopped during the period April-May 2012. The winner is Sigit Santoso, which is determined by taking random of all purchase transactions who were entered into a special box. The prize handover is conducted in symbolic ways, with the form of plaques by the Yamaha to the Ouval Research. Heavy rains in Jakarta on Friday night (8/06) welcomed the execution of the Midnight Sale Road Show #2. But this did not deter the consumer remains in line under the "impromptu tent" to shop in Exhibition Room # 5 JL. Tebet Utara Dalam No.26 Jakarta. Not only that, the audience who waiting for the band's performance "Dear Nancy" and "Payung Teduh" remain faithful while accompanied by "MC Gilang" and "Bobby Jambul" that provide a variety of challenges to the "fun games" participants. The challenge is horrendous enough to untie the rope on the couple up to the challenge to create the longest string of attributes that worn by the participants. The result was one of the "fun games" participants who just staying put on pants only. A surprise occurred at 23:30 that eventually force "Payung Teduh" to hold a performance in the backstage because the rain never let up. But it turned out to be a blessing for the fans of "Payung Teduh", where they could see their favorite band closer and intimate while accompanied by light refreshments. It probably will not happen if the "Payung Teduh" appeared on stage. Unlike Jakarta, the weather in the city of Yogyakarta on the show "Midnight Sale Road Show # 3" on Friday night (15/06) is very bright. For "Exhibition Room # 6" Yogyakarta, the implementation of "Midnight Sale" is the first time since moving to the store location of Jalan Cendrawasih No.8 Yogyakarta, in August last year. Although the first time, consumers enthusiastically on "Midnight Sale Road Show # 3" seems won't to be outdone by the two previous town. They queue up in an orderly queue and regularly follow the path that has been provided. The event was opened by "MC Alit" with the first performance by "Mbah Sujud", the stage name of "Sujud Sutrisno" which is more commonly known as "Sujud Kendang". The name is quite familiar among Yogyakarta artists as "PPRT" or "Household Tax Withholding" rather than singers, because usually "Mbah Sujud" will come to one house to another to sing and hope the kindness and sincerity of the occupants of the house. Next, turn to "Polska Seeking Aureetthe And The Carnival" (AATPSC) that enliven the arena stage. Band from "Sewon", "Bantul", "Yogyakarta" brought the songs with cheerfully genre they call "Gypsy Polka Folk Pop". The highlight was closed with a performance by the "Goose & Wolf" (A & S). Their impressive action for 45 minutes, managed to suck up to the lip of the stage audience, and invite mass singalong at the venue. Their action is successfully closing stage performances "Midnight Sale Road Show # 3" on that night. The next event "Midnight Sale Road Show # 4" held in Surabaya on Friday night (22/06), which is located in the "Exhibition Room # 4" JL. Bengawan No. 6 Surabaya. The enthusiasm shown also by "arek-arek Suroboyo", although they are queuing up "a bit late" 30 minutes of pre-determined schedule. But different cities have also cultural differences in the night time, though they remained until the end of the queue in an orderly and organized. In the parking area there is a stage was enlivened by the appearance of a local band called Never Ending Story Surabaya and ZORV with an acoustic set. Also, there's a lot of gift given away by MC Iqbal that helped warm the atmosphere of the night in Surabaya. Came at the end of a series of road shows "MIDNIGHT SALE 2012" which took place Saturday night (30/06) in the city of Makassar. Starting at 8 pm hosted by MC Fauzan, consumers began to enter the area of ??the store to shop. Regions of the Boulevard street Makassar that usualy quiet at night seems to look different from the focus of the crowd that goes in the Exhibition Room #3 JL. Boulevard, Ruby 1#2 Panakukkang Makassar. The music enthusiast treated by Debluesfresh performance. It's a Band from Makassar which heats the venue with rhythmic blues songs. Pure Saturday continued with a performance that started the set with the song "The Horse Man" from the album "Grey" which was released in May. After nearly 16 songs they bring success to shake with the encore performance "Labyrinth" the climax to the audience in attendance at the last live music performances as well as close the series "road show MIDNIGHT SALE 2012".


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Dr. Alvin Dubin DO
- Otolaryngology Cherry Hill, NJ
Patient Reviews
Reviews reflect patients' level of satisfaction with the care they received from this provider. Dr. Alvin Dubin does not yet have any reviews.
Dr. Alvin Dubin, DO is a Doctor primarily located in Cherry Hill, NJ, with other offices in Blackwood, NJ and Stratford, NJ. Their specialties include Otolaryngology. Dr. Dubin is affiliated with Kennedy Health Systems, Kennedy Memorial Hospital-Umc-Cherry Hill and Kennedy Memorial Hospital -Umc - Stratford. They speak English.
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Dr. Alvin Dubin has the following 1 specialty.
An otolaryngologist is more commonly referred to as an ENT, someone that can treat medical issues you may be having with you ears, nose, or throat. This is a physician who is specially trained to diagnose and treat conditions of the ear, nose, sinuses, larynx (voice box), mouth, throat, head, and neck. These doctors treat patients through both medical and surgical means. For instance, an otolaryngologist may treat an obstruction of the nasal passage, caused by malformation of the nose, through rhinoplasty.
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24395Re: First World Harmony Run 2010 in Puerto Rico!
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- Feb 25, 2010Dear Suchana,
The botanical garden is quite lovely and the feeling around the statue is very, very peaceful. I had the opportunity to return to the statue 2 days after the ceremony dedication and saw the statue again - by then installed on a platform just constructed the prior day.
It is nothing less than extraordinary to consider how unique and special each and every statue is that I have visited. My sentiments change as I ponder each one and tend to feel that the one I have just experienced recently is the best. :-)
Meditating at the Puerto Rico statue with only a few others present and the garden itself actually closed to the public offered a true inner thrill. I can only hope that many people eventually share the opportunity to visit a statue of Sri Chinmoy somewhere in the world if they have not already done so. I can honestly declare that I saw the eyes of the statue move, it was so alive with Sri Chinmoy's consciousness.
I must confess, however, if I must say it aloud - I left my heart in Mazatlan. The statue of Sri Chinmoy holding the Peace Torch and the warm-hearted, friendly and inspiring members of the Mazatlan Sri Chinmoy Centre still resonate inside me with a current of sweet memories. One of Guru's songs about Mazatlan mentions angels and I cannot recall any other song composed about a geographic location that has angels in its meaning. Does this provide a clue to its special appeal??
Then again, the meditation facing the statue in Puerto Rico left me feeling that I was standing right inside Guru's heart. It was so, so powerful.
So I guess the moral of the story is that the world is richly blessed to receive these expressions of the legacy of Sri Chinmoy's lifetime of service to the world around him, made tangible in the form of a life-size statue.
- << Previous post in topic Next post in topic >>


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If you have come to the end of needing to be perfect, if you are tired of holding yourself back, if you want to throw your hands in the air like you just don't care, and free yourself – this meditation is for you.
Disclaimer: Practicing this meditation will not make you a better person. It will not help you to solve problems you haven't been able to solve. However, it can help you to let go of needing to hold it all together, solve other's problems for them, or worry about the little things.
Before we get started, find yourself a comfortable chair to sit in, one that allows you to have your feet comfortably flat on the floor. Give yourself space, ie: turn off the TV, radio, cellphone, put the cat out, etc. Have a quiet space for yourself.
Close your eyes, and allow your attention to be on yourself. Breathe, and notice your breath, notice your body, notice how you feel. Get back in touch with what is going on inside of you, now in this moment. Do this without judging any of what you notice. You are already perfect, just as you are. No need for improvement.
Visualize, imagine, create a connection from your lower body at the base of your spine, to the earth, and allow this connection to go all the way to the very center of the earth. This is a grounding cord. You can visualize your grounding cord to be anything you like: a tree trunk, a vine, waterfall, beam of colorful light – what ever feels good to your body. Make sure it's firmly connected to your lower body.
Now give yourself a deep breath, and allow the grounding to be real for you and for your body. Allow it to help you to feel safe and connected to the earth. Ask your body how it likes this grounding cord, and adjust it if your body requests that you do, so that your body likes it too. This is healing for your body. Your body takes on all of that energy you handle, and this will help your body to let it go.
Now breathe again, and notice that you can release any energy you want to let go of, and you can use the grounding cord to help you to release it to the earth. In other words, you can get it out of you. When you release energy to the earth, it can no longer do any harm. The earth neutralizes it. So now you have a tool that allows you to let go of anything you are DONE with. It's completely up to you what you hold onto, and what you let go of.
Ready? Let's begin!
Notice any energy that's been sitting inside of you demanding that you solve it. You may have been in failure because you couldn't solve it. Or perhaps you've been making nice, trying to keep it together for others. Maybe the energy is a fear that things might fall apart and then you'd be responsible because you didn't hold it together.
Begin to release the energy that demands you use your energy to hold it together, to make it nice, to stop messes from happening. If you've been wanting to make a mess, to create big changes in your own life, release the energy that wants to hold you back from destroying the old ways of doing things. Just let it go down the grounding cord back to the earth.
Keep releasing and notice how it feels to get this old stuck resistance energy out of you. Let go of the demand that you be perfect. Allow yourself to be exactly who you already are by releasing energy that says that isn't good enough.
Keep releasing, and notice how you feel, what you are experiencing, and what your body has to say about this. Notice there is no effort, that you can do this just because you want to.
Finish the meditation by filling back in with your own energy. Create a gold sun above your head, and allow it to be the source of your own unique energy. Shine the gold sun down into yourself, and allow your own energy to come right back to you, and to fill you up again. Replenish yourself with the energy that is truly and beautifully, all yours. Notice how you feel, and how your body feels.
Relax and enjoy yourself, just as you are.
©Kris Cahill 2007-2012 All Rights Reserved


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Dr. Yogesh Malhotra: RESEARCH: Beyond 'Prediction' to 'Anticipation of Risk': Research Impact among Nobel Laureates: Princeton University Presentations: Digital Ventures:
[Digital Transformation Pioneer] [Computational Quant Analytics] [CyberSecurity Risk Engineering] [AI, Algorithms & Machine Learning] [FinTech: 'Rethinking Finance']
2015 & 2016 Princeton Quant Trading Conference Presentations: Computational Quant & Crypto Machine Learning Algorithms,
2008: AACSB International Impact of Research Report: Named among Black-Scholes, Harry Markowitz & Bill Sharpe
Projects Goldman Sachs JP Morgan Wall Street Hedge Funds Princeton Presentations Model Risk Arbitrage Cyber Finance Cyber Risk Insurance Ventures
Bayesian vs. VaR Markov Chain Monte Carlo Models Mobile Trust Models Pen Testing Frameworks Bitcoin Cryptanalytics NFS Cryptanalytics Algorithms
Research Impact Future of Finance Beyond VaR Model Risk Management SR11-7 OCC2011-12 Future of Risk Cyber Risk SSRN Google Scholar Publications
Dr. Yogesh Malhotra: AACSB Reports Real Impact of Research among Finance Nobel Laureates:
Dr. Yogesh Malhotra among other 'Vision Korea' National Campaign Keynote Speakers in Vision Korea National Campaign (2000): Dr.Charles Lucier of Booz Allen Hamilton, Dr.David Snowden of IBM, Dr.Robert H. Buckman of Buckman Labs, Dr.Hubert Saint-Onge of Canadian Imperial Bank of Commerce, Professor Dr.Ikujiro Nonaka of Hitotsubashi University
"If you spend some time at [digital risk management research lab] founded by Dr. Malhotra you will be blessed by some of the world's most astute thinking on the nature of knowledge and its value."
- U.S. Army Knowledge Symposium, Theme: "Knowledge Dominance: Transforming the Army...from Tooth to Tail", Department of Defense, United States Army.
Model Risk Management program that anticipated needs of OCC and Wall Street CROs to 'anticipate risk' over a decade before they all said 'we must anticipate risk': with research advancing execution of SR11-7 and OCC 2011-12 Model Risk Management Guidance of OCC and US Federal Reserve System such as 'anticipation of risks' by 'effective challenge of models'.
Dr. Yogesh Malhotra's research is recognized among 'exemplars' of 'considerable impact on actual practice' such as Black-Scholes, Harry Markowitz, and William Sharpe in the AACSB International Impact of Research Report. The AACSB International Impact of Research Report noted the real world impact of his fundamental and applied scholarly Model Risk Management research among exemplars such as The pricing of options and corporate liabilities by Black-Scholes and Merton, Portfolio selection by Harry Markowitz, and, Capital market prices by Bill Sharpe. High-profile scientific impact studies have ranked the impact of his research among Top-50 Business Economics researchers such as computer scientist Herbert Simon and economist Joseph Schumpeter. His research and practices are ranked and profiled in scientific impact studies, global business press, and industry surveys among Finance & Information Science Nobel laureates and distinguished professors from institutions such as Harvard University.
Career in Global Banking & Finance and Global Risk Management Practices
His Computational Quantitative Risk Management focus over the last decade has been on advancing top Wall Street investment banking leadership risk management strategies to reflect recent trends in Finance particularly as they relate to Model Risk Management concerns. His recent experience is in leading quantitative finance and quantitative risk modeling projects for top Wall Street investment banks such as JP Morgan Private Bank with $1 trillion AUM. Prior to that he founded award-winning influential financial and risk analytics ventures with clients and patrons such as top Wall Street and IT firms such as Goldman Sachs, Google, IBM, Intel, and, Microsoft; top consulting firms such as Accenture, E&Y, McKinsey, and, PwC; and top business schools such as Harvard, MIT, Princeton, Stanford, and, Wharton while Associate Professor & Assistant Professor of Quantitative Methods in research academia and Executive Education faculty at Carnegie Mellon & Kellogg. Before research academia, he was a global banking modeling & implementation projects leader with big banks such as Bank of America across USA and Hong Kong and led development of global financial systems used by worldwide banks and financial firms. research advancing execution of SR11-7 and OCC 2011-12 Model Risk Management Guidance of OCC and US Federal Reserve System such as 'anticipation of risks' by 'effective challenge of models'.
Career in Quantitative Modeling & Risk Modeling Research Academia
In May-June 2009, on conclusion of his responsibilities for the academic year faculty contract at the Syracuse University, he left research academia to return to and immerse himself in full-time Banking and Finance practice and post-doctoral research focused on next generation Cyber Risk and Quantitative Finance Computational Quantitative Analytics Models that would pioneer foundational research guiding Cyber Finance and Cyber Risk Insurance Modeling practices used by worldwide organizations. His post-doctoral research started with a 5,000 hour analysis of risk management model failures underlying the Global Financial Crisis over its first year leading him subsequently to shape the future of Quantitative Finance and Risk Modeling practices of top Wall Street Banks with $1 Trillion AUM such as JP Morgan in midtown Manhattan.
The 5,000 hour analysis of risk management model failures underlying the Global Financial Crisis would result in fulfillment of the New York State's AICPA CPA (Education) requirement while yielding an AACSB-accredited MS Accountancy, the first of four post-doctoral graduate Computational Quantitative Analytics degrees in post-Crisis Finance (MS Accountancy (Asset Pricing, Capital Markets, Risk Management), MS Quantitative Finance, MS Computer Science (AI & Modeling, Algorithms, Machine Learning), MS Network & Computer Security (Cybersecurity & Information Assurance) and Certified Ethical Hacker professional certification), to be accumulated in course of real-world focused post-doctoral research squarely advancing post-Crisis Finance-Risk Management-Cybersecurity practices.
In February 2008, AACSB International Impact of Research Report recognized Yogesh Malhotra's research on advancing the risk modeling and risk management paradigm for large-scale complex systems among "exemplars" of "considerable impact on actual practice" such as Nobel laureates Black-Scholes, Harry Markowitz, and, William Sharpe.
"There are many examples illustrating that advances in basic research have had a substantial impact on practice. Exemplars of this phenomenon can be seen in finance through academic publications on the theories of portfolio selection (Markowitz, 1952), irrelevance of capital structure (Modigliani and Miller, 1958), capital asset pricing (Sharpe, 1964), efficient markets (Fama, 1965 and 1970), option pricing (Black and Scholes, 1973), and agency theory (Jensen and Meckling, 1976). All are well-known for their substantial impact on both theory and practice. In information systems, the research of Malhotra (Malhotra, 2004) has helped companies to understand why knowledge management systems fail..." - AACSB International Impact of Research Report, 2008.
In February 2008, he was promoted by the Syracuse University's Martin J. Whitman School of Management Promotion & Tenure Committee from Assistant Professor of Quantitative Methods (IT, Operations Research & Statistics) to Associate Professor in the Accounting Department and recommended for tenure by the Promotion & Tenure Committee comprised of senior faculty members from across the Martin J. Whitman School of Management.
In 2008, he was invited to join the Emerald Management First (UK) International Advisory Board among others such as the Balanced Scorecard and Activity Based Costing pioneer Dr. Robert S. Kaplan, Baker Foundation Professor, Harvard Business School, and Business Reengineering Pioneer Jim Champy.
In 2007, Business Standard, India profiled his insights and research among "world's leading management thinkers" on E-Business and Digital Strategies including Ivy League business school deans and senior professors at institutions such as Dartmouth, Harvard, Wharton, and Yale whose contributions have significantly advanced real world business practices.
In 2006, his biographical reference was nominated and published for the first time in the Marquis Who's Who in Science & Engineering® for contributions to high-impact fundamental empirical statistical and quantitative modeling field study research guided by his pragmatic and applied focus as global Finance-IT-Risk Management Practitioner.
In 2005, he received the invitation from the Queen's University in Canada to apply for their Fulbright-Queen University's Visiting Research Chair in the Management of Knowledge-Based Enterprises. On that occasion, the Syracuse University Chancellor & President Dr. Nancy Cantor wrote a letter to him observing that:
"Receiving an invitation to compete for this prestigious position is very impressive and reflects the high quality of your scholarly work. I have also very much enjoyed reading about your many engagements in the larger global community. You have certainly embraced the spirit of serving the public good and illustrate how a university, as a source and generator of knowledge, can impact other countries and institutions. I congratulate on your hard work as both a scholar and a citizen of the world."
- Syracuse University Chancellor & President, 2005
In 2005, his applied thought leadership was profiled among world's leading knowledge management pioneers such as Tom Davenport, the scholar-practitioner-management consultant most renowned as the pioneer of global Business Process Reengineering and Knowledge Management global practices, by Emerald Publishing, UK, world's top management publishers.
In 2004, he was ranked among world's pioneering contributors to knowledge management such as 'the man who invented Management' Peter Drucker and Nobel laureate Herbert Simon based on a study by an IBM scientist published in a research monograph of the American Society for Information Science & Technology. *
In 2004, he was invited to serve on the Knowledge Management Magazine (UK) International Advisory Board among others such as the Knowledge and Innovation Management expert Dorothy A. Leonard, William J. Abernathy Professor of Business Administration, Harvard Business School.
In 2003, he was ranked among world's most influential experts on knowledge management such as economist Joseph Schumpeter and information scientist Herbert Simon in the University of Minnesota MIS Research Center scientific impact study. **
In 2003, he delivered the invited expert paper and keynote on the Measurement of Knowledge Assets at the United Nations World Headquarters at the invitation of United Nations Department of Economic and Social Affairs. Of four global experts, two on the expert panel are from U.S. university research academia, the other member from university research academia being a distinguished economist and endowed chair professor at the Northwestern University. The IT Economist Paul A. Strassmann, acting CIO at NASA characterized Yogesh Malhotra's expert paper written at the invitation of the UN for presentation at this seminal event as "a critical and definitive examination of KM measurement."
In 2002, his biographical reference was nominated and published for the first time in the Marquis Who's Who in America® for applied contributions to advancing global Finance-IT-Risk Management practices.
In 2002, CNET Networks awarded the Corporate Computing Award for his article 'Why Knowledge Management Systems Fail' with its focus on risk management of systemic failures for being the most influential article.
In 2001, his biographical reference was nominated and published for the first time in the Marquis Who's Who in Finance & Industry® for applied contributions to advancing global Finance-IT-Risk Management practices.
In 2001, at the invitation of the Intel Corporation, he wrote the expert paper on the Next Generation e-Business Architectures.
In 2000, he was ranked among world's three most influential scholar-practitioners on Knowledge Management across all disciplines in the worldwide ISWorld survey published by the Drexel University, the top two ranked professors being Tom Davenport and Ikujiro Nonaka. *** He had just completed about two years out of the PhD program where he became interested in Knowledge Management as a doctoral research fellow and PhD candidate.
In 1999, his biographical reference was nominated and published for the first time in the Marquis Who's Who in the World® for applied contributions to advancing global Finance-IT-Risk Management practices.
In 1998, while in final year of his Ph.D., he was invited among Herbert Simon and Ikujiro Nonaka by the administrator of Malcolm Baldrige National Quality Program Awards, American Society for Quality, as contributor to Knowledge Management journal special issue of the Journal for Quality and Participation. He was also invited by a representative of Harvard Business School Publishing to head the flagship digital corporate executive business publication to be launched as counterpart of Harvard Business Review journal as its top editor with office in New York City or Boston.
In 1997, his Finance-IT-Risk Management technology venture was exclusively selected for the Computerworld Annual Forecast Best Site Award. The same technology venture was subsequently reviewed by Information Week as a "benchmark for practice".
In 1996, the digital Risk Management research Web site developed as a hobby while a PhD student and submitted as a last minute entry was selected in the world's top three search engines ranked right between the top two Web search engines of that time, Lycos and Alta Vista in the Best Research Site category of the Industry.Net Online Achievement Awards.
Around 1994: Just with the advent of the first WWW browser, Finance-IT-Risk Management Practitioner Yogesh Malhotra's digital social enterprise about rethinking the Future of Finance-IT-Risk Management Practices took shape on the WWW. For its cutting-edge view of global Finance-IT-Risk Management Practices and their projected 'future' evolution in the business world, this ad hoc digital enterprise started getting reviewed in almost every top-tier Finance-IT-Risk Management trade publication. Its leading-edge content was 'borrowed' with due credit by leading-edge global institutions such as the Harvard Business School MBA program for advancing global management practices. To teach Harvard MBAs, professors at Harvard were using the cutting-edge applied knowledge of Finance-IT-Risk Management practices generated by the global Finance & Banking software engineer and management consultant turned PhD student who had just joined the PhD program one year ago.
* Reference: Ponzi, Leonard J. (IBM), Knowledge Management: Birth of a Discipline. In Michael E.D. Koenig & T. Kanti Srikantaiah (Eds.), Knowledge Management Lessons Learned: What Works and What Doesn't, (American Society for Information Science and Technology Monograph Series), 9-26, 2004.
** Reference: Subramani, M. and Nerur, S.P., 'Examining the Intellectual Structure of Knowledge Management, 1990-2002: An Author Co-citation Analysis.' University of Minnesota Management Information Systems Research Center Study. MISRC Working Paper #03-23, 2003.
*** Reference: Overmyer, Scott P., Survey about the most influential scholars-practitioners in Knowledge Management, ISWorld, 2000.
Recent Research Presentations and Research Reports
Princeton University Presentations on the Future of Finance: 'Rethinking Finance' for Era of Global Networked Digital Finance.
2016 Princeton Quant Trading Conference Invited Research Presentation: Beyond Stochastic Models to Non-Deterministic Methods.
2015 Princeton Quant Trading Conference Invited Research Presentation: Beyond Risk Modeling to Knightian Uncertainty Management.
Beyond 'Bayesian vs. VaR' Dilemma to Empirical Model Risk Management: How to Manage Risk (After Risk Management Has Failed).
Markov Chain Monte Carlo Models, Gibbs Sampling, & Metropolis Algorithm for High-Dimensionality Complex Stochastic Problems.
Risk, Uncertainty, and Profit for the Cyber Era: 'Knight Reconsidered': Model Risk Management of Cyber Risk Insurance Models.
Cybersecurity & Cyber-Finance Risk Management: Strategies, Tactics, Operations, &, Intelligence: ERM to Model Risk Management.
Number Field Sieve Cryptanalysis Algorithms for Most Efficient Prime Factorization on Composites: Beyond Shannon's Maxim.
Bitcoin Protocol & Bitcoin Block Chain: Model of 'Cryptographic Proof' Based Global Crypto-Currency & Electronic Payments System.
2015-2016 40 SSRN Top-10 Research Rankings for Computational Quantitative & Risk Analytics Algorithms Machine Learning Research.
2008 AACSB International Impact of Research Report: Named among Black-Scholes, Markowitz, Sharpe, Modigliani & Miller
Top Wall Street Investment Banks Quantitative Finance Projects & FinTech Ventures
• Princeton: Future of Finance: 'Rethinking Finance' for Era of Global Networked Digital Finance
• 2016 Princeton Quant Trading Conference: Invited Research Presentation: Model Risk Arbitrage
• 2015 Princeton Quant Trading Conference: Invited Research Presentations: Future of Finance
• Quantitative Finance Risk Analytics Modeling Wall Street Investment Banks & VC Projects
• Model Risk Management: Risk Management Analytics from 'Prediction' to 'Anticipation of Risk'
• Quantitative Finance Risk Analytics, Econometric Analytics, Numerical Programming Models
• Quantitative Finance Model Risk Management for Systemic-Tail Risks in Cyber Risk Insurance
• JP Morgan Portfolio Optimization, VaR & Stress Testing: 17-Asset Class Portfolio
• JP Morgan Portfolio Liquidity Risk Modeling Framework for $500-600Bn Portfolio
• Bayesian VaR Beyond Value-At-Risk (VaR) Model Risks Exposed by Global Financial Crisis
• Goldman Sachs Alumnus Asset Manager Large-Scale Data High Freq Econometric Models
• Quantitative Finance, Risk Modeling, Econometric Modeling, Numerical Programming
• Technologies of Computational Quantitative Finance & Risk Analytics and Risk Management
• Algorithms & Computational Finance: C++, SAS, Java, Machine Learning, Signal Processing
• Cybersecurity, Financial Protocols & Networks Protocols Analysis, and, Penetration Testing
• Quantitative Finance, Quantitative Risk Analytics & Risk Management Projects Impact
• Digital Social Enterprise Ventures Creating Trillion $ Practices for Hundreds of Millions
Named among FinTech Finance & IT Nobel laureates for Real World Impact of Research
• FinTech Innovations: Model Risk Arbitrage, Open Systems Finance, Cyber Finance, Cyber Insurance
• AACSB International Reports Impact of Research among Black-Scholes, Markowitz, Sharpe
• Research Impact Recognized among Finance & Information Technology Nobel laureates
• 40 SSRN Top-10 Rankings: Computational Quant Analytics: Algorithms, Methods & Models
• FinTech Innovations: Model Risk Arbitrage, Cyber Finance, Cyber Risk Insurance Modeling
• Computational Quantitative Finance Modeling & Risk Management Research Publications
• Model Risk Management of Cyber Risk Insurance Models & Quantitative Finance Analytics
• Thesis on Ongoing Convergence of Financial Risk Management & Cyber Risk Management
• U.S. Federal Reserve & Office of the Comptroller of the Currency Model Risk Guidance
• Bayesian VaR Beyond Value-At-Risk (VaR) Model Risks Exposed by Global Financial Crisis
• Markov Chain Monte Carlo Models & Algorithms to Enable Bayesian Inference Modeling
• OCC Notes Cybersecurity Risk & Cyber Attacks as Key Contributor to Banks' Financial Risk
• Future of Bitcoin & Statistical Probabilistic Quantitative Methods: Global Financial Regulation
• Models Validation Expert Panels: IT, Operations Research, Economics, Computer Science
Global, National, & Enterprise CxO Level FinTech-Cyber-Risk Analytics Ventures
• CxO Think Tank that pioneered 'Digital' Management of Risk, Uncertainty, & Complexity
• CxO Consulting: Global, National & Corporate Risk Management Practices Leadership
• CxO Guidance: Cyber Defense & Finance-IT-Risk Management: Uncertainty & Risk
• CxO Keynotes: Conference Board, Silicon Valley, UN, World Economy: Uncertainty & Risk
• The Future of Finance Project Leading Quantitative Finance Practices at Elite Conferences
• The Griffiss Cyberspace Cybersecurity Venture Spans Wall Street and Hi-Tech Research
• UN Quantitative Economics Expert Paper & Keynote on Global Economists Expert Panel
• National Science Foundation Cybersecurity & Cybercomputing National Expert Panels
• Digital Social Enterprise Innovation Ventures Pioneering the Future of Risk and Quant
• Global Footprint of Worldwide World-Leading CxO Risk Management Ventures & Practices
2015-2017: 40 SSRN Top-10 Research Rankings: Top-10% SSRN Authors:
Computational Quant Analytics; AI & Decision Modeling; Algorithms & Machine Learning:
SSRN Top-10 Research Ranking Categories:
• Capital Markets,
• Cognition in Mathematics, Science, & Technology,
• Computational Biology,
• Computational Techniques,
• Corporate Governance: Disclosure, Internal Control, & Risk-Management,
• Cyberlaw,
• Decision-Making under Risk & Uncertainty,
• Econometric & Statistical Methods,
• Econometric Modeling,
• Econometrics,
• Hedging & Derivatives,
• Information Systems & Economics,
• Mathematical Methods & Programming,
• Microeconomics,
• Operations Research,
• Risk Management,
• Risk Management Controls,
• Risk Modeling,
• Stochastic Models,
• Systemic Risk,
• Uncertainty & Risk Modeling,
• VaR Value-at-Risk.
Other Categories:
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• Economics of Networks,
• Innovation Law & Policy,
• Mutual Funds, Hedge Funds, & Investment Industry,
• Sociology of Innovation


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22 April 2017
Variety of food to choose from . Including international dishes . Staff are always on their toes . They are happy and the chef makes great food . Fish and chips are perfect every time !!
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Unformatted text preview: eases opportunity for citizen
involvement in democratic processes," will better satisfy citizen preferences by catering to
tastes at a state level, provides citizens with the option of moving to a state with public
policies perceived to be more congenial, enables states to experiment with innovative public
policies, preserves a government structure that inhibits a potentially tyrannical concentration
of power in the central government, insures the continuance of discrete political and social
communities, and ensures clear political accountability for government actors in each of the central
and state governments. Federalism is not, of course, an unqualified boon.
[____] Federalism is important to preserve liberty and prevent the concentration of power
(January, pp. 433-4)
I have a different perspective. Federalism is not a dysfunctional anachronism, a nostalgic symbol of
a pre-industrial America. Rather, when properly viewed and applied, it is crucial to preservation of
individual liberty and a valuable device to preserve a healthy balance of power among
governmental institutions. The institutional benefits of federalism are not simply preservation
of state autonomy as a counter to federal power but also operate less directly to preserve the
scheme of separated powers within the federal government.
[____] Decentralized government maximizes individual freedom
Dalton Cross, Law Professor, Texas, 2000
(HARVARD JOURNAL OF LAW & PUBLIC POLICY, Fall, p. 165)
Government can be made more responsive to the popular will by keeping the policy-making unit
closer to the people. As a matter of simple arithmetic, the smaller the policy-making unit, the
fewer the number of people who will be discontented by any policy choice. Individual freedom
means leaving policy choices with the individual; if a choice must be removed from the
individual by government, individual freedom is served to the extent that it is removed no
farther than necessary. 16 | P a g e Federalism DA BDL
Impact – Liberty [___] Every violation of liberty must be rejected at all costs
Sylvester Petro, Professor of Law at Wake Forest 1974
(University of Toledo Law Review Spring, pg. np)
However, one may still insist, echoing Ernest Hemingway—"I believe in only one thing: liberty". And it is always well to
bear in mind David Hume's observation: "It is seldom that liberty of any kind is lost all at once." Thus, it is unacceptable to say that the invasion of one aspect of freedom is of no import
because there have been invasions of so many other aspects. That road leads to chaos,
tyranny, despotism and the end of all human aspiration. Ask Solzhenistyn. Ask Milovan Djilas. In
sum, if one believes in freedom as a supreme value and the proper ordering principle for any society aiming to
maximize spiritual and material welfare, then every invasion of freedom must be emphatically
identified and resisted with undying spirit. [___] And liberty outweighs the affirmative's impacts - makes all evil's possible
Daniel Callahan, Fellow at the Institute of Society and Ethics, 1973
(The Tyranny of Survival, Pages 91-93)
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2012 Ljubljana Marshes hot air balloon crash
|Accident summary
|23 August 2012CEST (05:54 UTC)[1], 7:54 am
|Under investigation
|Ljubljana Marshes in the Municipality of Ig, between Lavrica, Črna Vas and Ig, 7 km south of Ljubljana, Slovenia
45°59′20″N 14°31′37″E / 45.988754°N 14.526944°ECoordinates: 45°59′20″N 14°31′37″E / 45.988754°N 14.526944°E
|Injuries (non-fatal)
|Aircraft type
|Hot air balloon
The 2012 Ljubljana hot air balloon crash occurred on the Ljubljana Marshes in central Slovenia on 23 August 2012, killing six people.
A hot air balloon carrying 32 passengers, mostly tourists, crashed and caught fire during a thunderstorm on the Ljubljana Marshes, in the Municipality of Ig, between Lavrica, Črna Vas and Ig, next to Ig Street (Ižanska cesta), two hundred meters from the turn for Matena, seven kilometres south of Ljubljana.[4] A sudden weather change caused the pilot to try to land immediately. However, the emergency landing was thwarted by wind shear[5] and the balloon hit nearby trees. Fire followed.[6]
Four people on board were immediately killed during the accident and 28 others were injured. The four dead at the scene were charred beyond recognition. All four were from Ljubljana: a couple, their 11-year-old daughter, and a 56-year-old woman.[6] Ten people had to be resuscitated. All of the survivors, aged from about 10 to about 60 years, received medical care.[5] Two of the injured people were British and another two were Italian citizens.[7] Two of the injured later died: a woman who died two weeks after the accident in Ljubljana,[8] and a 59-year-old man from Ljubljana who died a few days after in Maribor.[2]
Specifics of the balloon[edit]
The basket of the balloon was 5.20 meters (17.1 feet) long and 1.70 metres (5 feet 7 inches) wide.[9] It had four compartments.[9] Its inertia was 19 tonnes (19 long tons; 21 short tons). The balloon was manufactured by the Lindstrand Balloons company. It was the largest balloon in the country and the largest serially manufactured balloon in the world.[10]
On the same day at 7:00 pm, a mass for the dead and injured was held in St. Michael's Church on the Marshes in Črna Vas by Anton Jamnik, the auxiliary Bishop of Ljubljana. It was attended by about 400 people.
Slovene Civil Aviation Agency reported on 27 August 2012 that commercial hot air balloon flights were banned temporarily. The duration of the ban was not given, but the balloon crash was cited as the reason for the ban.[6] Throughout the next year, all involved parties coordinated proposals for stricter rules, which were accepted, and new licenses were granted again starting in August 2013. In the meantime, several operators closed because they were prevented from selling flights, while the remaining ones faced severely reduced sales even after the ban was lifted.[11]
In their report, official accident investigators accused the pilot of using an improper landing procedure, as well as ignoring the bad weather warning and the flight rules. In a preliminary hearing, the pilot denied all these statements, pleading not guilty to the charge of causing general danger. The court trial is now pending.[12]
See also[edit]
- ^ "Množična nesreča zaradi strmoglavljenja balona (23.8.2012)" [Mass Disaster due to a Balloon Crash (23 August 2012)] (in Slovenian). Administration for Civil Protection and Disaster Relief, Ministry of Defence, Republic of Slovenia.
- ^ a b "Balonarska nesreča na Barju zahtevala še šesto žrtev" [The Ljubljana Marshes Balloon Accident Claims Its Sixth Victim]. MMC RTV Slovenija. 10 September 2012.
- ^ "Hot air balloon crash kills four in Slovenia". BBC News. 23 August 2012. Retrieved 23 August 2012.
- ^ a b "Hot air balloon crashes in Slovenia killing at least 4, injuring 28 others". The Washington Post. 23 August 2012. Retrieved 23 August 2012.
- ^ a b "Nesreča balona: Tragedijo naj bi povzročilo striženje vetra pri tleh, pilot brez veljavnega dovoljenja" [The Balloon Crash: The Tragedy Was Presumably Caused by Wind Shear near the Ground, the Pilot Did not Have a Valid License] (in Slovenian). Dnevnik.si. 23 August 2012.
- ^ a b c "Slovenia bans hot air balloon flights after fatal crash". Asiaone News. Ljubljana. Agence France-Presse. 27 August 2012. Retrieved 27 August 2012.
- ^ "Four dead, 28 hurt in Slovenia hot air balloon crash". Ljubljana: Channel NewsAsia. 23 August 2012. Retrieved 23 August 2012.
- ^ "Še ena žrtev podlegla poškodbam 14 dni po nesreči balona" (in Slovenian). Delo. 6 September 2012. Retrieved 6 September 2012.
- ^ a b Zerdin, Ali (23 August 2012). "The attraction and risks of hot air balloons". AJC. Ljubljana. Associated Press. Retrieved 26 August 2012.
- ^ "Pilot drugega balona: Preverjali smo vreme, ni bilo videti neviht ali drastičnih vetrov" [The Pilot of the Second Balloon: We Were Checking out the Weather, There Were no Storms or Drastic Winds] (in Slovenian). 24ur.com. 23 August 2012.
- ^ Teran Košir, Alenka (2015-07-07). "Životarjenje slovenskih balonarjev" [Lingering of Slovene hot air balloon operators]. SiOL.net (in Slovenian). Retrieved 2016-02-23.
- ^ "Pilot balona ne priznava krivde za nesrečo na Ljubljanskem barju" [The balloon pilot denies responsibility for the accident on Ljubljana Marhses]. RTV Slovenija. 2015-11-23. Retrieved 2016-02-16.


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Blog Posts in Category: Patient-Centered Outcomes Research Institute
February 4, 2014
Doesn't it seem like we are always hearing about how we can lower health care costs? Do you ever wonder if there are any good things that are being done by medical organizations to help us in the battle of rising health costs? Well here is something that I recently learned about; comparative effectiveness research. Comparative Effectiveness Research (CER) is research conducted on topics like comparing effectiveness of treatments, prevention, management and treatment of preventable disease, as... Read More
Recent Posts
A Little Insight Before Starting College! If you are a new to the Wildcat family, welcome! You may... Read more
Why the Cost of Prescription Medicine is Skyrocketing You may have noticed when you pick up your... Read more
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Cheese Strata
By tigergrl78
A wonderful breakfast or brunch meal with cheese and eggs.
- 7 Slices white bread with crusts removed
- 6 Eggs
- 8 Ounces cheddar cheese
- 3/4 Cup milk
- 1/8 Tsp dry mustard
- 1 Stick butter optional
- Salt and pepper optional
Servings 6
Level of difficulty Average
Preparation time 15mins
Cooking time 50mins
Cost Average budget
Step 1
In baking dish, tear bread into small pieces and add cheese. Mix together and cover pan.
Step 2
In bowl beat eggs, milk and dry mustard thoroughly. Pour over bread and cheese. Add salt and pepper if desired.
Step 3
It is an optional step to melt butter and drizzle over mixture in pan. Tastes just as good without the butter and is less fat. Totally up to you.
Step 4
Cover and refrigerate over night or at least 6 hours.
Step 5
Bake at 350 degrees for 45-50 minutes until top is golden.
Longer the refrigeration the better the flavors come together.
You'll also love
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- Potatoes Eggs and Cheese 4.2/5 (116 Votes)
Chef Tips and Tricks
We are definitely making these Easy Cheesy Mini Pizzas for our next party!
- Pizza Dough (homemade or store bought)
- Shredded cheese
- Pizza sauce
- Cured ham, shredded
- 4 eggs
- Cherry tomatoes
- Fresh basil
- Roll out the dough
- Use a small bowl to cut the dough into rounds
- Add shredded cheese
- Place in oven on an oven tray afr 10 min at 355°F
- Put each dough round into a ramekin
- Add 1 tbsp pizza sauce, a handful of shredded cured ham
- Break an egg into each pizza
- Top with sliced cherry tomatoes and a basil leaf
- Place in oven for another 15 mins at 355°F
- Garnish with parsley and a pinch of pepper
- Serve and enjoy!


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Internet shutdown lifted in Cameroon
Internet access restored in anglophone Cameroon after three months, following a widely-criticised government shutdown
Africa's digital workers challenged by 'Gig Economy'
Oxford Professor Mark Graham spells out the opportunities and challenges for African workers in the new digital world
It's great to share: As TNM launches data sharing service
Malawi's integrated mobile network and ICT service provider TNM has announced the launch of data sharing, an innovative service that allows customers to share their data with friends and family
Telekom Networks Malawi (TNM) 23 Mar 2017
The transformational power of cloud in Africa
In March 2016, IBM opened its first Cloud Data Centre in South Africa, providing cloud services to enterprise clients
Brett Parker 25 Oct 2016
Exciting future for continent that accesses the power of Internet of Things
With smartphone usage on the up and IT literacy expanding, bringing Internet of Things (IoT) level connectivity is a natural progression for this tech-hungry continent
Brett Parker 16 Aug 2016
Africa's digital potential discussed at International Telecommunications Week
MainOne recently hosted an Africa Panel Session at the recently concluded International Telecoms Week held in Chicago from 8 to 11 May 2016. The session was attended by a mix of African wholesale carriers
How to remain relevant for the African traveller
As smartphone penetration across the continent increases, African travellers are increasingly looking for agents offering online and mobile services
Mobile technology key to closing Africa's digital divide
The Internet has undeniably become the lifeblood of our society
Brendan McAravey 2 Mar 2016
Disrupting the tech industry
Why the East African Startup Ecosystem is increasingly attracting financial investment from top VCs. High-tech entrepreneurship and an avalanche of start-ups
Eran Feinstein 12 Oct 2015
Orange launches its largest Developer Challenge and SMS API
Coinciding with the release of its SMS APIs in Cameroon, Congo, Guinea, Niger and Senegal, Orange is launching its largest international developer challenge to date - across 13 countries - aiming to spur and nurture the creation of unique and local services for Africa and the Middle East from the growing entrepreneurial base developing in these countries.
XLink enables companies to increase their footprint in Africa
Card acceptance/compliance continues to grow exponentially in African countries and with the mounting need for secure and reliable communications
Sales surge at AfricaOnline Namibia
AfricaOnline Namibia has announced a significant uptake within the SME sector, with a 60% increase in sales over the past year
The mobile revolution in Africa
The influx of mobile phone has enhanced ease of access across the world - no more so than in Africa
Emirates launches app for Apple Watch
When the Apple Watch becomes available on 24 April, Emirates' customers from around the globe will be able to enjoy the smart features and sleek interface of the Emirates app for Apple Watch


text:
Do you have a new baby, are you pregnant with #5, do you have a child graduating from high school or turning 16 or 21, is it your 10th wedding anniversary, are you turning 40? These are just a few of the reasons and seasons that deserve to be remembered.
We can do a full studio session or follow your tribe around at your favorite location. When you first make an inquiry we will talk via email or phone about what you hope to receive and achieve with your session.
Full sessions begin at $650, and because we don't just want these pictures to sit on your hard drive, every full session with Eden & Laurel includes both professional prints and fully edited digital files. Your session includes:
*1 hour of shooting time (including newborn props when applicable).
*In-person reveal of at least 10 professionally printed images, beautifully packaged in our keepsake box.
*Access to my professional photography lab for all additional a la carte print purchases.
*High resolution digital files of every fully edited image.
At Eden & Laurel our days are filled with a desire to capture the beautiful moments we are given and turn them into memories that can be passed on from generation to generation.
Please don't forget to check out our online shop (COMING SOON) full of prints and other everyday items that are intended to encourage you and your loved ones each day, in all the little moments.
Thanks for stopping by,
~Rebecca Harrington
Eden & Laurel
Cash, Check and Credit Card are all accepted.
Please email me at: email@example.com for my complete Art Price List.
All images found on this site are copyright of Rebecca Harrington and Eden & Laurel. They may not be used or shared for any reason, commercial or non-commercial without written consent from Rebecca Harrington.


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House Sitting in Bay, Springfield, MA
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Published on: November 27, 2010
Prof Jan Ejhed is the Director of the Lighting Laboratory of the Royal Institute of Technology – KTH, in Stockholm, Sweden. He is currently also Director of Division 3 at CIE, Professor at the School of Design – Linnaeus University and runs his own office.
This interview was originally conceived for a book titled INDEX, which was released last month and focus on his thoughts and journey as founder of the Lighting Laboratory. INDEX was edited on the occasion of the 10th anniversary of the Lab and included this interview as an interesting and relaxed way of sharing the history, stories, ideas and the philosophy behind this educational project started by Jan and Agneta Ejhed 10 years ago.
I believe we should start from the beginning. How would you describe the very first and most crucial motivation for the decision to work with lighting education?
I would say it all started with a certain feeling of frustration, based on my own professional experience. The importance of quality lighting for a good life versus the existing calculation methods – named planning methods – which generated very poor environments. I felt a necessity to turn lighting from a technical approach to a man centered philosophy.
At the same time, I had a conviction that if I myself had succeeded to learn something about lighting, it should be possible to establish and education based on both intuitive and rational facts, to be related with the real professional practice.
Gradually, I was also more and more disturbed by the fact that in all the lectures I was giving I had to start from the very beginning to be able to arrive to the basics. That was because I was lecturing about light within architectural or design education, which meant students with no previous knowledge and who would probably not go on studying that specific topic. After so many experiences like that, I was longing to have students with whom I would be able to take the discussion on another level. Students with whom I would be able to share questions arising from my own Doctoral studies during the lectures. To educate on another level, than the basic, both for me and for the topic.
By the time I was asking myself 'why do we educate thousands of engineers, hundreds of architects, dozens of pottery designers every year in Sweden and no lighting designers?', I decided it was time to establish a lighting education myself.
Can you tell about the most remarkable facts along the journey of converting an idea into the Lighting Laboratory? (Negative and positive happenings)
In the very first years we were placed in KTH, even if we had managed to have the Laboratory here, we were still not allowed to offer a formal education. So, among other activities, we created a series of seminars for professionals.
Among the people involved were lighting designers, of course, but not only. We tried and succeeded to engage a wide range of professionals relevant and influential to the discussions around lighting, such as authorities, planners, engineers and so on, including some of the most active professionals at that time. This group of people met once each second week for 10 times – and it was mandatory to join all seminars-, with invited leaders and a specific topic for the entire series. The first topic was Light and Safety / Security, the second, Daylight and the third should have been Light and Health, but it actually wasn't carried out.
It is possible to say that was our first experience at the Lighting Laboratory in KTH and it was a very successful one, in terms of satisfaction of the participants and the level of the discussions. Having a group of active professionals, enthusiastic about this opportunity to discuss was inspiring and my feeling is I would like to do something similar again! We were not arriving to consensus during our discussions, but the level was high, as it was based on previous professional experience and ignited by the school environment, which provided a freedom people can't usually find in professional situations.
As for negative events, of course we had many. But, to be honest, I don't remember. Maybe I am too much of an optimistic! I can surely mention the lack of money, always.
There is no question that you are a pioneer and you have opened up doors to many people, through sharing your knowledge and encouraging the development of new knowledge along these years.
But, being in the frontline of something also has a downside…
Absolutely. When you step outside the streamline, you firstly must fight hard to be taken seriously and, secondly, to prove there is relevance in what you claim for.
In this sense, the international contacts were always very inspiring for me, as they gave me a much wider and more open arena for discussions and development of ideas.
And, in practice, I am aware a have made a lot of practical mistakes…
In the very beginning, it was a course for Swedish students. Now we have applicants from more than 25 nationalities and the profile of the classes has been all about cultural mix. How do you see the importance of having international groups of students for the education in itself?
The first course started in Swedish, but already ended in English after one semester, as we had four German exchange students. After that episode, there was no question we should run the courses in English, creating and international mix of students.
This international mix is a very important factor for a high quality education, with the extra bonus of an informal flow of knowledge between the students. This flow is not controlled by us, but we surely aim to stimulate it by creating circumstances and an overall positive atmosphere for exchanges.
Among us, teachers here, we often joke about the possibility of developing this educational project in a much simpler and less ambitious way, as it would save us a lot of time and energy! Jokes apart, we go on with the ambition to improve the course from year to year, as we all believe in it. When you think about the quality of this education, is it possible to mention some key elements and how they evolved along this 10 years?
I see that the most important is to take in consideration that learning is a process; an individual process. So, what we do is to create a climate for learning. The teachers' role is to give an overview, explain contexts, formulate the goals, structure the mass of knowledge and provoke students into their learning.
The method for engaging the students depends on the character of the content, such as lectures, seminar, tutoring, workshops, laboratory experiments, full-scale tests, study visits and trips, etc. But, in short words, it is always a combinations between intuitive and logic training; theory and practice.
For the practical activities, it is necessary to stimulate explorative attitudes and provide frames and rules.
It is very clear we can't – and shouldn't – give it all, but instead guide them in their own process of searching and, hopefully, finding!
I can say the basic ideas are more or less the same since the beginning until now, but nowadays the material is much more structured, both for teaching and evaluation purposes. We do have a methodology and for the future, I see we need to develop a lighting design theory or plural theories.
How would you summarize in few and simple words the philosophy of the education at the Lighting Lab?
Making it really short and simple: a humanistic approach – or man centered philosophy; with an explorative and testing approach – or doubt and question the rules; an innovative and logic strategy – or a combination of theory and practice; where the teachers pose questions and demand the students to find their own answers.
Apart from the realistic and clear ideas you have for the near future of the Lighting Laboratory, what are your hopes and wishes for this project in a much longer term?
It is clear for me that there is a need for the development of a "lighting design theory" or plural theories to have lighting design as centre. As I believe in this need, the Lighting Laboratory is to be a place for the development of such theories and research around it.
In short terms, Lighting Design includes both daylight and artificial light and is interdisciplinary. Its knowledge is based on the connections between light, human and the physical environment. Light affects our biological functions, emotional reactions and rules visual performance. In parallel, there is its relation with architecture and the design of built environments, with all that brings with it. Finally, for relevant lighting solutions, there is a clear need for wide technical knowledge, like in photometry, electricity, electronics, energy and environmental issues, and so on.
In my understanding parts of those elements are more developed, parts less. I believe it is important to arrive to a new balance and in this balance treat some issues in a deeper level. Personally I am more interested in the first part of these ideas – the light-human-space equation – and in that area I am interested in new ideas which dare to cross borders pushing the field further, pointing new directions, with innovative methodologies.
To sum up, my dream for the Lighting Laboratory is that it will be recognized as an 'open' place, a node, a centre pursuing education and research. The character of the centre should be openness, as it shall be an arena for discussion in the frontline of competence. A place for carrying out projects and, at the same time, take part on public discussion, being a clear voice of the lighting design professional speech. For sure, our specialty of having an international basis for our job will make a difference, as it does nowadays.
Thank you, Jan!
Check here INDEX release video
Posted by: Diana Joels


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Unformatted text preview: y become saturated (reach 100% RH). As it
continues to rise, condensation occurs and clouds form. The air continues to rise
and cool, but it now cools at a different rate, called the wet adiabatic lapse rate,
at 6°C per 1000 meters (actually it varies, but 6°C is a reasonable average and
we will use that value). The air is still rising and cooling as with the dry rate, but
now condensation is happening and latent heat is being converted to sensible
heat, partially offsetting the decrease. We'll get back to these lapse rates shortly. Atmospheric Moisture:4 Clouds
We have been talking about condensation in the air and this forms clouds. What
has to happen is that relative humidity has to reach 100%, but that alone is not
enough. Water has to condense on something, so tiny particles have to be
present and the water condenses on these. These condensation nuclei are
dust, soot and salts floating around in the air. If no nuclei are present, the air can
become supersaturated, actually having more than 100% relative humidity. The
idea behind cloud seeding is that if you add condensation nuclei to
supersaturated air, then water drops will form and more rain will fall. It's not clear
how successful this is in practice, but cloud seeding is being done here in West
Texas and elsewhere.
Clouds can be made of water drops or ice particles. Water drops can remain
liquid in clouds well below 0°C, but after about –12°C, they turn to ice. The
reason for this is that ice cannot form without ice nuclei, and these only form in
the atmosphere at –12°C and colder. Ice nuclei are tiny six-sided objects that a...
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Tony's Windows & Glass
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for 30 years the best
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After three months of having my house torn up, I needed to hire another contractor to finish the job.


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Cowboy and the Thief
Angel Manning is a spitfire of a woman determined to retrieve the ancient Irish Torque her Father sold. This Torque has been passed down through the Manning family women over many lifetimes, and it should have come to her next. The legend is that the owner and their family will be blessed with love in their heart and soul as long as the Torque remains in their possession. Who ever that person finds to complete them, theirs will be a happy marriage that is blessed. And her Father sold it to Jack Riley without Angel's permission. Angel takes matters into her own hands and follows Jack back to his house in America to retrieve what is rightfully hers. She wants her happy ever after, and she'll steal the Torque back to get it.
Jack knows Angel is determined to retrieve the Torque. They fought over it before he returned home from Ireland. He's smitten with Angel and intends to have the woman. The Torque doesn't hold anything else for him, just the woman, so Jack lays in wait for Angel to steal into his house. In the end he will do what he has to in order to have her. Jack waits and Angel makes her move, sneaking into his house not realizing that he's behind her the whole way. He intends to teach her a lesson and then claim the ultimate prize. They are evenly matched in their stubbornness and wills. Who will come out the winner in the end? Maybe they both will?
Cowboy and the Thief
was originally part of an anthology from Ellora's Cave entitled
A Wish, A Kiss, A Dream
released in 2005. It's an extremely fiery story which picks you up and carries you all the way to the end. It has flair, and the desire between Jack and Angel is so intense it will set your blood on fire. This couple are intensely erotic every time they come together, even their clashes are sexy. I found myself anxious to read each page and see what the two of them would get up to all in the name of the Torque. Really, though, it was about them discovering that the love of their lives was within reach if they would only stop being so darn stubborn and realize that the Torque did what it was suppose to do. It brought the two lovers together. Oh, they weren't lovers to begin with, but that had more to do with Angel being a stubborn, tenacious woman.
Cowboy and the Thief
is an electrifying story. I felt like I was actually watching each thing they did to each other. There's nothing more sexy than Jack capturing Angel and bending her to his will, but despite that it would not break her will. Jack and Angel are two combustible people who are absolutely perfect for each other and this story was a fantastic read. Don't miss out on an exciting, erotic romance that will have you wishing you were in their shoes. Lora Leigh has a habit of producing impressive erotic love stories and this one is right up there as one of her best in my opinion
Judy King
Lora Leigh
Category: Modern/Contemporary
Ellora's Cave P
Released: November 2009
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