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I am having trouble with the monopoly collection. when I start the game it starts fine but when it gets to the menu where you pick your game and click start it goes back to the wii menu. any help would be appreciated.
I had the EXACT same problem .... Go into the Game options and pick the .dol file to be loaded .. instead of main.dol
choose the streets.dol or the other one depending which game u want to play .... then when you click on PLAY
the game will bypass the main screen and start into the game you picked here..
Last edited by jeepsterwj; 03-02-2012 at 12:51 PM.


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EDMONTON - Some would consider it spinning their tires.
The Edmonton Oilers are calling it a fresh start.
Four years to the day Steve Tambellini fired Craig MacTavish, the former Oilers head coach is replacing the team's current general manager.
On Monday, the Oilers announced they had fired Tambellini, to be replaced by MacTavish, who had been brought back by the club this off-season to be an assistant to president of hockey operations, Kevin Lowe.

subset: commoncrawl


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New Verse Da Ink Songs, Mixtapes & Videos
Question? ft. Verse - Facts of Life [Stream & Download]
Having spent his last few Booth features (Wonder Where You Are, Where I Belong) searching for certainty, San Antonio emcee Question?'s finally ready to give us some answers. New single The Facts of Life finds the... Read More
Question? ft. Verse Da Ink - Where I Belong [Stream & Download]
Finding your place in life is always a matter of intense inner struggle, regardless of how obvious the answers may seem to those around you. Thus, while you and I know full well that Question? belongs in front of a mic,... Read More
Verse Da Ink - Lonely [Premiere] [Stream]
It's going to be hard to top Beyonce's classic Irreplaceable, but thanks to Texas/New York artist Verse da Ink (not to be confused with Verse or Verse Simmonds) music's long tradition of "pack your bags and get... Read More
Question? ft. Spark & Verse Da Ink - Talkin Down [Stream]
If you're lucky enough to be in Austin, Texas for this month's SXSW festivities, you'd be crazy not to attend Question's showcase this evening (at local venue La Zona Rose), where he'll be... Read More


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By Kevin Murphy
KANSAS CITY, Mo (Reuters) - A British fugitive already in custody in Missouri wanted in a $1.6 million robbery of an armored van in 1993 was also charged on Tuesday with document fraud and identify theft.
A federal grand jury indicted Edward "Fast Eddie" Maher in Springfield, Missouri, accusing him of using a fraudulent Social Security Card issued in Missouri in 2010 and holding a state driver's license in the name of his brother, Michael Maher, who lives in England.
Edward Maher was arrested in Ozark, Missouri, on February 8 and indicted for possessing four guns. He now faces the three federal charges and possible extradition to England on the 1993 theft charge and is in federal custody.
According to an affidavit filed in court, Maher told the FBI he fled to the U.S. in 1998 and posed as his brother because he was wanted for a crime in England.
Authorities allege Maher stole $1.6 million in cash and coins from an armored van in Felixstowe, England.
Maher, 56, became known as "Fast Eddie" after his disappearance. He came to the attention of police in Missouri when his daughter-in-law, Jessica King, turned him in, according to her lawyer, Brandon Potter.
King is seeking $158,000 in reward money, Potter said.
(Reporting by Kevin Murphy; Editing by Greg McCune)


text: hello xda , i bought the new note3 , so im used to htc not samsung . first i rooted thanks to chainfire, still on stock recovey . then i installed titanium backuo backed up everything and deleted some system apps , i want to restore it but i cant dont know why. now ill do a factory reset will that restore my system apps? 2nd should i use twrp or cwm to flash X-build ? thank you


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ACParadise Network: American Cosplay Paradise American Cosplay Experience American Cosplay Snapshots
Series > G > Ghost Rider
Cosplay Videos
The following videos from our Convention Coverage have been linked to this series. You can narrow the list by clicking on a specific Convention to your right.
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#05 Ghost Rider (Youth)
Series: Ghost Rider
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Apr. 9, 2014
BrownfieldAgNews reports:
Ag Secretary Tom Vilsack says no closings of Farm Service Agency (FSA) offices are planned for this year. But he says some realignment of the system will likely take place starting in 2015.
"We need to modernize our system and there are a couple of reasons for that," Vilsack says. "Number one, we have 20 percent fewer workers than we did several years ago. The budget that I'm working with at USDA is now one billion dollars less than it was when I became secretary in terms of the operating budget, so with a 20 percent reduction in workforce, you obviously have to realign where folks work and what they do."
As of today, 30 Farm Service Agency offices nationwide do not have an employee assigned to work there and over a hundred other F-S-A offices have just one full-time employee.
"So what we are suggesting is, over time, fewer offices but better offices," Vilsack says. "We're doing right now a work study to try to determine exactly where the work is being done, to make sure that we have adequate people doing the work that needs to be done, and then in 2015 we will probably suggest a realignment of some of the offices and a strengthening of those offices with additional investments."
The realignment could create a three-tiered system, with central offices where supervisors are stationed, branch offices with more employees and satellite offices were farmers could set up appointments for face-to-face meetings with Farm Service Agency staff. And Vilsack says with future upgrades to the agency's computer systems, farmers may be able to access their records electronically.
"If they have access to broadband, they'll be able to access their records from home," Vilsack says. "That will change the relationship they have with FSA offices."
There are more than 23-hundred Farm Service Agency offices around the country and those offices serve as the primary distribution point for all federal farm programs.
Vilsack made his comments on Iowa Public Television's "Iowa Press" program.


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About Medford
Medford NJ, is South Jersey community living at its best. Conveniently located to the major commuter routes, shopping malls while still keeping that hometown community feel with parks, festivals, organized activities, and excellent schools. Burlington County is a wonderful place to live. Whether you are looking for rentals, condos, townhouses, single family homes for sale, farms, or even commercial properties for sale, you have come to the right place. I can help simplify your search. Call me on my cell at 856-304-5406 to discuss your "wish list".
If you know the specific development you have in mind, you can begin a simpler search by clicking on any of the following links
Medford NJ Homes for SaleChange this Search Criteria
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All rights reserved. US Reg. Copyright TX-5-910-991, TX-5-910-992, TX-5-910-993, and TX-5-910-994.
Each RE/MAX® Office is Independently Owned and Operated. Equal Housing Opportunity.


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A task force has been appointed to deliberate on key issues to achieve sustainable development in the UAE [2], the Ministry of Higher Education and Scientific Research announced on Wednesday.
The team, which will go into action in early June, has begun to draw up a strategy aiming at boosting the ministry's contributions to environmental and societal work as a top priority, along with spreading awareness among youngsters to protect and preserve their environment.
Shaikh Hamdan Bin Mubarak Al Nahyan, Minister of Higher Education and Scientific Research, said the team has embarked on setting out mechanisms and guidelines to engage in environmental and societal initiatives.
"We all want to preserve and protect our environment, yet we are either too busy or too lazy to make a huge difference that will improve our lifestyle and save our planet.
"Therefore, the ministry has planned and conducted several competitions and awareness programmes that will take place in different universities [3]and students will be provided with all the tools and information to participate in the protection of the environment," said Saif Al Mazroui, assistant undersecretary for institutional and support services at the ministry.
"Students will learn how to protect the environment by saving water, reducing and recycling paper, and making sure that lights and air conditioners are used wisely especially during summer," he added.
The ministry is also putting in place a plan for adherence to green implementation [4] criteria accredited by the Council of Ministers Office which will go into force in early June.
The ministry's efforts are in line with the vision of President His Highness Shaikh Khalifa Bin Zayed Al Nahyan [5] on the protection of the environment and achievement of sustainable development [6]in the UAE.
[1] http://www.syndigate.info
[2] http://www.albawaba.com/business/environment-hybrid-uae-493518
[3] http://www.albawaba.com/business/pr/masdar-oil-gas-conference-488913
[4] http://greenercities.org/sustainable-cities-in-the-middle-east/
[5] http://en.wikipedia.org/wiki/Khalifa_bin_Zayed_Al_Nahyan
[6] http://www.albawaba.com/business/dubai-envionment-electicity-493191
[7] http://www.gulfnews.com


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Great Natural Exterior Paint
We've been experimenting with exterior wood paint with some great results.
The research is based on the traditional Scandinavian red paint, which is a base of linseed oil with various things added. One description:
Centuries ago, European farmers sealed the wood on their barns with an oil, often linseed oil, which was a sort of tawny-colored oil made from flax seeds. They painted their barns with this linseed-oil mixture, often adding milk and lime. The combination produced a long-lasting paint that dried and hardened quickly. Today, linseed oil is still used to seal wood.
Historically, "barn red" is not the bright, fire-engine red that we often see today, but more of a burnt-orange red. As to how the oil mixture became traditionally red, there are two predominant theories:
Sometimes wealthy farmers added blood from a recent slaughter to the oil mixture. As the paint dried, it turned from a bright red to a darker, burnt red.
Some farmers added ferrous oxide, otherwise known as rust, to the oil mixture. Rust was plentiful on farms and is a poison to many fungi, including mold and moss, which were known to grown on barns. These fungi would trap moisture in the wood, increasing decay. So it made a lot of sense to add rust to the paint, which would also give it a red tinge.
Both blood (often ox blood but not always) and ferrous oxide are used around the world in traditional paint because they both have good properties for long lasting, anti fungal paint.
We decided to go the Ferrous Oxide route since we didn't have any ox blood in the fridge. But we did have red coloring from MilkPaint.com which is a mix of casein (whey) and natural earthen pigment (sort of ferrous oxide).
We mixed the milk paint coloring with boiled linseed oil and citrus solvent. The citrus solvent was to dilute the oil so that it seeped deeper into the wood.
If you want to get the real deal boiled linseed oil you can get it from SolventFreePaint.com. It is so natural you can practically drink the stuff (don't). But you pay a pretty penny for it. We just went with the boiled linseed oil from the local hardware store. Yes it is loaded with emulsifiers and other nasty stuff but we just pretend it is natural.
The results are pretty astounding. Below you can see the Brooklyn Show House green roof. We built a bulkhead and pergola (for solar PV and water heating) out of old salvaged wood. We painted it with the boiled linseed oil mix. It works really, really well.
Below is what it looked like before painting it. It looks fine. The natural look is beautiful too. But the beauty of the linseed oil paint is the synthesis of beauty as function. It is not simple decoration. It will extend the wood from maybe 10-15 years to maybe 50-60 years. That is pretty phenomenal.


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Altrincham Modern chic
- We only had this sisal flooring for a month, so far so good. Looks good and it's easy to clean dry dirty, not sure with wet ones. Happy with my purchase, looks really modern. But it's not a comfortable feeling on your feet, quite ruff but as expected.
Published on: 08 August 2016
Country Estate Sand Carpet


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eBay is offering you the opportunity to Curate a Collection for a Cause, and a chance to WIN! eBay will donate $1 to March of Dimes (up to $25,000) for each newly created Collection. PLUS, one lucky eBay user will win a $5,000 eBay shopping spree.
Keep reading for more information about how to create an eBay collection and how to enter to win!
I have been using eBay since Aug 18, 2001.
For 13 years I have used eBay to buy and sell great things. It has really changed the way we shop, helped us earn some extra cash when we needed it and helped us find unique gifts for hard-to-buy-for friends and family.
And over the years eBay has gotten even better!
Did you know that eBay now allows you to create collections to curate your favorite items?
Well they do and it is AWESOME! Collections allow you to make a wish list of your favorite items, share gift ideas with friends and family or just organize great eBay discoveries and stuff for sale.
About eBay collections
Collections are groups of eBay items hand-selected by eBay members, mixed and matched around a theme, concept or passion. By creating intriguing and inspiring collections of products, you can attract eager buyers who are able to purchase items right from the collections you create. Your collections can also be exposed to new buyers via sharing from other members and the potential to appear on the new eBay Today page, seen by millions of visitors daily. Items you've listed may even be featured in collections others have created!
How to curate items into collections
This is the easy part. When you come across an item you want to curate, look for the "add to collection" button in the price area. If there is a star next to it, you click and a pop-up will come up allowing you to create a new collection or add the item to an existing collection.
You can also leave a description about the item so you remember why you saved it. If there is a green check mark next to "add to collection" then you already have the item in a collection. You can still click and add it to other collections though in case it fits into more than one category.
#ImBornTo Love Ladybugs eBay Collection
This is the first of 2 collections I created. This one was inspired by my daughter's love of all things ladybugs.
#ImBornTo find Made in the USA kitchen items
Enter to win $5,000 with the "Curate for a Cause" sweepstakes
Together with March of Dimes, we celebrate the potential in all. We believe everyone is born to be something great.
What are you born to be? Create a collection using #ImBornTo for a chance to WIN a $5,000 eBay shopping spree. Sweepstakes ends March 31, 2014.
For each collection you create, eBay will donate $1 to March of Dimes (up to $25,000 total).
It's so easy to enter, simply create a collection on eBay that answers the following question:
#ImBornTo _________________ and add at least 6 items to the collection.
You may build as many collections as you would like for an additional entry into the sweepstakes and eBay will donate $1 to the March of Dimes for EACH collection you create!
Head on over and create your collection now and make sure to leave a comment below with a link to it so I can check it out and follow it!Note: this post is part of my participation in a campaign with eBay.
Join our newsletter!
Subscribe to get updates and great stuff via email including subscriber-only goodies like free printables and giveaways.


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Sent from my Nexus 4 using xda app-developers app
I just can't seem to get such great battery life. I'm almost 13 hours on battery with only 1 hour and 18 minutes of screen time and my battery is down to 68%. For some reason Android OS is using 40% (the screen is using 40% as well). I'm in the same boat as you in terms of wi-fi always being on, but I'm on M-Kernel and a custom ROM rather than stock. I really should give the stock kernel a go and see how that manages.
Other things can have a negative impact on battery life, I do have tons of apps, but I always manage which ones are running. Also clean installing a ROM is always safer and will probably give you some better battery life due to everything being clean. Many apps do have instances of running in background so it is helpful to check every now and than.
Also disabling GPS will give you some extra time per charge. I always disable it. And I keep WiFi location enabled.
Sent from my Nexus 7 using xda app-developers app
Well, after a little trial and error I've finally got this thing pinned down. I'm already at about 8 hours of screen on time (device on about 17 hours) and still have 24%. At this rate I should be able to get 10 hours of screen time no problem. Unfortunately I had to reboot at one point and it stopped logging screen on time so I can't really back it up with pictures
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Former Lubbock Police Chief Thomas J. Nichols will sign copies of his espionage novel "Voices in the Fog" from 4 p.m. to 8 p.m. Oct. 4 at Hastings, 8209 Slide Road.
Signings also will be held from 11:30 a.m. to 1:30 p.m. Oct. 25 at Barnes & Noble Booksellers, 6707 Slide Road, and from 4 p.m. to 7 p.m. at Hastings, 5005 50th St.
There is no charge for autographs.
Call 794-6936 at Hastings on Slide Road, 798-8990 at Barnes & Noble, or 794-6936 at Hastings on 50th Street for details.
© 2017. All Rights Reserved. | Contact Us


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A video poem posted on YouTube by 22-year-old Jefferson Bethke from Seattle has been viewed more than 19 million times. The video titled "Why I Hate Religion, But Love Jesus" has high production value with multiple angles, concise editing and beautiful architecture in the background. Bethke takes aim at organized religion, criticizing what he sees as its lack of charity, openness and connection with real people and real problems. The video has resulted in thousands of response videos. It's clearly a hotly contested topic.
Pastor Diane Greble from St. John's Lutheran Church in Fowlerville, Michigan watched the video and provided this candid response, "I'm glad this young man loves Jesus! I hope that he will not stop by comparing Jesus to religion, but to compare faith to religion."
Greble continues, "Ultimately, Jesus calls us to live out our faith through love. [Bethke] says he's not judging, but yes, he is. We all are far too good at judging other's actions and motivations.
Pointing to a Christian lesson Greble describes how Jesus warned against judging others, "Jesus said this clearly when speaking of pointing at the speck in another's eye while ignoring the plank in our own eye."
Addressing the statement about the church and its members Greble added, "What I know about the church is that it is full of broken people who want to know that God will heal and forgive them and help them become 'well' so they can love throughout the world without fear of God. And the church is full of people who love well, and do great and amazing acts of love, whether small or large.
I hope [Bethke] will grow in love and faith and hope and gentleness and perseverance and trust and acts of compassion. Sharp words and harsh critique rarely attract people. These other expressions always attract people.
What do you think about the video? Leave a comment!
Has the Internet made a positive or negative impact on how faith is expressed?


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WASHINGTON-Of all the charges being leveled at the World Bank and International Monetary Fund, perhaps the most curious is the notion that these organizations believe too strongly in the gospel of global capitalism. In reality, they don't believe strongly enough.
But luckily for the world's poorest countries, that may be about to change. The World Bank has proposed dropping all tariffs and quotas on exports from some of the world's most poverty-stricken nations in Africa, Asia and Latin America.
Given the fact these countries remain mired in massive amounts of foreign debt, and that their only hope of repaying this debt lies in gaining greater access to world markets, the proposal makes good economic sense. It is precisely the argument made by the Clinton administration: Free trade creates wealth and lifts poor countries out of poverty.
Which makes the administration's opposition to the World Bank's proposal all the more puzzling. The White House argues that only the World Trade Organization has the jurisdiction to approve such a policy and that WTO rules forbid giving any country or groups of countries preferential treatment.
But the administration has yet to pursue the proposal in a way that would satisfy such objections. This is unfortunate, because it would correct America's schizophrenic foreign policy, which traps poor nations in a vicious cycle of lend-forgive, lend-forgive.
The United States gives aid to the developing countries in the hope that it will promote economic development and allow the countries to repay their debts. Then Washington effectively shuts the same countries out of American markets through quotas and tariffs.
Once U.S. officials realize the loans won't be repaid, they forgive the debt. Then they give more aid, and the cycle starts anew.
Developed nations such as the United States must shoulder some of the blame for perpetuating this cycle. Foreign assistance adds to the economic burden many developing countries face by increasing their overall debt.
According to the World Bank, country-to-country assistance to the 40 Heavily Indebted Poor Countries accounted for an average of 42 percent of their total debt in 1997.
Yet the United States persists in imposing tariffs and quotas that cripple their efforts to create market-led growth. The burden of the U.S. quota system on textiles and apparels, for example, falls disproportionately on poor countries.
More than 35 countries with a per-capita gross domestic product of less than $10,000 faced some form of U.S. quota last year on their apparel and textile products. Yet of the countries with per-capita gross domestic products of over $25,000, only two faced such quotas.
Why the discrepancy? Because poor countries tend to export many goods that are subject to high tariffs. These nations rely on textiles and apparels, which are labor-intensive and do not require sophisticated machinery or large amounts of capital to turn a profit.
High trade barriers also present a challenge for food-producing countries. For example, the people of Zimbabwe, with a per capita GDP of $610 in 1997, depend on agricultural exports, which amount to 40 percent of their country's total exports.
The notion that food imported from Zimbabwe might pose a threat to U.S. producers is laughable. Food from Zimbabwe-corn, wheat, peanuts- accounts for a mere 0.07 percent of total U.S. food imports.
Yet Zimbabwean food products face an average U.S. tariff rate of 9.88 percent, almost five times the U.S. average on all products from all countries.
Lower tariffs are certainly preferable to President Robert Mugabe's latest solution to Zimbabwe's economic woes, which is seizure of white- owned farms without compensation.
The best way to help poor countries is by promoting international free trade. Yet the lend-forgive merry-go-round continues. President Clinton recently announced the United States would give Bangladesh $97 million in food aid, $30 million for a clean energy program and $8.6 million to eliminate child labor. Meanwhile, the country faces an average U.S. tariff rate of 13.6 percent.
There is no sound economic or moral argument for maintaining high tariffs against a nation as desperately poor as Bangladesh, whose per- capita GDP in 1997 was only $262.
This is not to argue against debt forgiveness. The congressionally appointed committee on IMF-World Bank reform, on which I recently served, recommended precisely that, saying international financial institutions should write off multilateral debt entirely.
But the United States should go further, reversing its contradictory policy of high tariffs, foreign aid and debt relief. Only then can poor nations foster the economic growth they require and break the debt cycle.
Edwin Feulner is president of The Heritage Foundation (www.heritage.org), a Washington-based public policy research institute.
Distributed by nationally by Bridge News.


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Police find 'no evidence' that Plebgate officers lied
Scotland Yard's investigation into the Plebgate row has found no conclusive evidence that Downing Street police officers lied about being insulted by a Tory Cabinet minister.
The affair, which led to Andrew Mitchell's resignation as Chief Whip after it was leaked to the press, was reignited yesterday when the Metropolitan Police sent the results of a three-month investigation to the Crown Prosecution Service. It is understood that there is no evidence that any of the officers on duty in Downing Street made up claims that Mr Mitchell had called them "f***ing plebs" when he was asked to take his bicycle out via a side entrance last September.
It is also understood that there is no proof of a conspiracy by the officers to end Mr…


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Connected life: The impact of the Connected Life over the next five years
Mobile technology is redefining our lives and making it increasingly connected. From health and education to transportation and smarter cities, the proliferation of mobile communication and a connected life is now well established and here to stay.
Connected Life The impact of the Connected Life over the next five years
About the report
Shashank Tripathi India Leader – Strategy and Research +91 98196 78900 email@example.com David Wijeratne Associate Director – Strategy and Research +91 9818966775 email@example.com Mayank Sankar Nayak Consultant – Telecom +91 9867464488 firstname.lastname@example.com
Mohammad Chowdhury India Leader – Telecom +91 9167665544 firstname.lastname@example.com. com Madhu Varshitt YS Principal Consultant – Strategy and Research +91 9769721412 firstname.lastname@example.com Ruchika Agrawal Consultant – Strategy and Research +91 9167667550 firstname.lastname@example.com
This report was commissioned by the GSMA and put together with inputs from the Connected Living programme.
Executive summary
Mobile technology is redefining our lives and making it increasingly connected. From health and education to transportation and smarter cities, the proliferation of mobile communication and a connected life is now well-established and here to stay. In this report, we have attempted to give a snapshot of trends that are redefining our lives through mobile technology. The instances cited here only scratch the surface of the impact that mobile devices will have on society over the next five years. Our findings indicate an exciting future for both developed and developing markets. For instance, in developed countries mobile interventions could help cut healthcare costs by USD400 billion in 2017, help retain 1.8 million students in the education system, save one in nine lives lost in road accidents and reduce CO2 emissions by 27 million tonnes annually. Similarly, in developing markets, mobile interventions could help save over a million lives in sub-Saharan Africa, provide education access to 180 million students, save 25 million tonnes of food and encourage over 20 million commuters to start using public transport. The GSMA and a number of stakeholders around the world provided valuable inputs to this report. A number of secondary data sources were consulted to prepare this snapshot. Our aim is to help generate a dialogue on this important topic and its exciting future. Policymakers within the government, civil society, corporations and individuals will no doubt find areas that they would like to explore further. In preparing this report, the immense benefits from Connected Life have inspired us and our team. We hope this report offers a similar glimpse to the reader.
Shashank Tripathi India Leader, Strategy and Research
Mohammad Chowdhury India Leader, Telecom
mEducation Web-based course material should be decomposed into small pages that can be easily read on small mobile screens. When English vocabulary lessons were set up using the email and SMS functions of mobile phones, the students' response was overwhelmingly positive.
Thornton & Houser
mEducation The students of the future will demand the learning support that is appropriate for their situation or context. Nothing more. Nothing less. And they want it at the moment the need arises. Not sooner. Not later. Mobiles will be a key technology to provide that learning support.
Dr Marcus Sprecht Professor at the Open Universiteit Nederland
mHealth I think the mobile platform is incredibly important for the work of NGOs and development in general. It allows us to expand the reach of the programmes we have and create efficiencies within them.
Erica Kochi Unicef's New York-based Innovation Unit
mHealth The aim is to give the patient a tool to more effectively manage their chronic condition, so this will minimise the number of times they visit their GP and the number of times they become quite ill. The direct benefit of this is reduced visits to healthcare practitioners, reduced costs and fewer expensive drugs.
Dr. Victor Higgs MD, Applied Nanodetectors
Smart Cities Smart meters will revolutionise our relationship with energy, bringing people closer to it and helping us think about it in a more intelligent way. This is vital to achieving a 100% renewable future.
Andy Blackett, Head of Metering, Good Energy, UK
mAutomotive We are pleased to see that the implementation of eCall is becoming a reality in Europe. The closure of this eCall tour by a consortium of industry partners is an important step towards the EU's objective to have eCall deployed in all cars in Europe as soon as possible.
Juhani Jääskeläinen European Commission
mAutomotive Connected containers and trucks equipped with M2M devices provide service providers and customers reliable and timely information such as the location, temperature, weight and humidity of shipping vessels to ensure asset integrity. When anything goes wrong, an alert message will be sent, which helps increase regulatory compliance and ensure the quality of the items, especially for perishable goods.
Deutsche Telekom
Smart Cities Just as we predicted that Google would want to colonise every part of African life, the company has now launched a prepaid debit card, which is near field communications-(NFC) enabled, used for purchase of bus fares in Nairobi.
1. The impact of the Connected Life
Over just a few decades, mobile communication has become one of the largest and most significant platforms, with six billion connections and transforming the way we communicate and access information, entertainment and the internet. Now, a new wave of connectivity is on the horizon where everyone and everything around us that might benefit from a wireless connection will, in fact, have one. We are about to see connected cars, buildings, medical monitors, TVs, game consoles and a whole range of connected consumer electronics and household appliances. Many of these will be connected wirelessly and intelligently, communicating and interacting with each other, thereby creating the connected life. Mobile networks play a pivotal role in the development of the connected life, providing a scalable, standardised global platform to support the growing demand for intelligent, secure connectivity. New connected wireless devices are set to surpass the number of mobile handsets over the coming decade and create significant new business opportunities for mobile operators, vendors and industry partners. Machina Research estimates that by 2017, there will be over 10 billion cellular connections. Ericsson estimates that by 2017, 85% of world's population will have 3G coverage, and that global data traffic will grow twelvefold by the end of 2018.* This future demand will only be satisfied by the continued roll-out of standardised mobile networks including the global GSM LTE mobile broadband standard. Without continued investment and growth in mobile networks and the deployment of multiple connected devices, the socioeconomic benefits of the connected life will not be fulfilled. "Beyond connectivity, mobile operators will play a crucial role in working together with a range of industry partners in health, automotive, education, smart cities and a range of vertical industries to accelerate the launch of valuable connected services," says Ana Tavares Lattibeaudiere, Head of Connected Living, GSMA. Mobile operators have the opportunity to generate value beyond basic connectivity through managed connectivity, stewardship services and platform innovation.
*Source: Ericsson Mobility Report, November 2012
6 Strategy&
GSMA Connected Living programme
2. mHealth: Saving lives and money
HIV/AIDS, tuberculosis, malaria and pregnancy-related conditions account for 3 million deaths in Africa every year In sub-Saharan Africa, over 1.2 million newborns and 265,000 mothers die every year. One in nine children die before the age of five and over 90% of the world's estimated 1.2 million malaria deaths occur here. Tuberculosis (TB) accounts for over 230,000 fatalities and close to twothirds of the world's HIV-infected are in this region. In South Africa, one in five adults is HIV-positive and in 2010, about 280,000 South Africans died of HIV/AIDS. In fact, it is estimated that over 40% of all deaths among South Africans are HIV/AIDS deaths and that over the next five years, 14 million more lives will be lost, due to these diseases. The vast number of lives lost every year has driven the UN to declare that curbing these conditions would represent three of the eight Millennium Development Goals set in 2000. The increased adoption of mHealth solutions could help save lives across the entire healthcare delivery chain Many of these deadly conditions are relatively simple to treat, prevent or contain. SMS reminders to check for stock levels at the health centres have shown promising results in reducing stockouts of key combination therapy medications for malaria, TB and HIV. For HIV patients, simple weekly text reminders have consistently shown higher adherence among the patients. TB is a largely curable disease but requires six months of diligent adherence to the medication regime. mHealth could help control TB mortalities by ensuring treatment compliance through simple SMS reminders. Delivering mobile-assisted awareness to pregnant mothers and traditional birth attendants could reduce perinatal and maternal mortality by 30%. Pilot programmes that track mobile-usage patterns have been very successful in predicting disease outbreaks and in increasing malaria reporting adherence from 22% to 93%. Healthcare workers' adherence to treatment guidelines and reporting procedures is another important area where mHealth is focusing on behavioural changes. To ensure successful mHealth interventions, mobile penetration needs to increase so that both the patients and the mHealth enablers are always connected.
mHealth could save over 1 million lives in sub-Saharan Africa over the next five years. Simple mobile interventions for treatment compliance, medical stock availability and healthcare worker adherence could potentially have a significant impact on saving lives in subSaharan Africa.
Simple mobile interventions have shown tremendous potential in saving lives • Mobile Alliance for Maternal Action (MAMA) ensures that health workers and pregnant workers share health information through free SMS and calls for information on antenatal care, delivery services and childcare. • SIMpill, a medication management system that detects noncompliance of medication regimes, uses SMS reminders. Results showed 94% compliance for a TB trial and 92% cure rate. • TxtAlert in South Africa supports HIV patients and their healthcare workers on antiretroviral therapy (ART) compliance. The success has been resounding with missed appointment rates declining from 27% to 4%. • Since 2011, HP in collaboration with Positive Innovation for the Next Generation (PING), the Clinton Health Access Initiative (CHAI), and mobile network provider MASCOM have successfully rolled out a mobile-enabled programme that reduced government response times to malaria outbreaks from four weeks to three minutes.
Where in Africa will the lives be saved over the next five years?
* numbers represent potential life savings
OECD countries spend close to 6 trillion USD in healthcare costs every year On an average, OECD countries spend over USD3,200 per capita on healthcare, which amounts to 9.6% of the combined OECD GDP. Healthcare spending has consistently outpaced GDP growth rate in most of these nations and is expected to place considerable pressure on public expenditure as the government contributes in excess of 70% of total healthcare spend. Over 400,000 German senior citizens cannot afford retirement homes and one in every 12 appointments are missed in the US. A 2012 survey conducted by ComRes for the British Red Cross shows that personal care services for elderly Britons have been cut or frozen by two-thirds of local councils since their last local elections. The growing incidence of chronic lifestyle-related diseases is adding to this burden with the need for complex, ongoing and expensive treatment. Standard & Poor's has already issued a warning in 2012, stating that the rising cost of healthcare is likely to damage the creditworthiness of advanced G20 countries within the next decade.
mHealth could help cut healthcare costs in OECD countries by over USD400 billion in 2017. Providing healthcare services by consulting, monitoring, and providing access to patient records remotely through mobile technology will help curtail rising healthcare costs significantly.
mHealth solutions could improve patient quality of life and reduce treatment costs mHealth programmes are currently one of the most cost-effective ways of providing remote living assistance to ageing and chronically ill patients. mHealth programmes provide faster response times, integrated record access and considerable ease of use to patients. Remote consultation and support is expected to address the growing chronic disease management issue by reducing the need for hospitalisation. Proactive mobile-based care for patients with sudden health incidents can reduce the number of primary and emergency visits by 10%. Mobile technology can also be used for home monitoring, thereby reducing the need for face-to-face consultations. This will not only help generate elderly care savings of up to 25%, but will also improve patient quality of life. Healthcare providers can benefit via mobile access to electronic health records, which can reduce the administrative burden of hospitals by 20 to 30%. Simple SMS reminders for scheduling appointments can help address the problem of missed appointments. In order to achieve cost savings of this magnitude, it is critical that healthcare institutions in OECD countries not only adopt but also scale up the usage of mHealth services.
mHealth interventions are already being deployed in pilots and have shown significant cost savings • Integrated care has been piloted in Valencia, Spain to deliver routine healthcare. Initial findings suggest 24% differential in per capita patient cost management. • The Connected Cardiac Care programme is a home telemonitoring programme for heart patients and has resulted in a 48% reduction in rehospitalisation over the five-year period. • Findings from the Eddy VNA study indicate that home telehealth interventions drop hospitalisation by 55% and reduce emergency visits by 29%. • mHealth-related trials in Nordic countries have shown 50 to 60% reduction in hospital nights and rehospitalisation.
Projected costs Potential reduction in costs
3. mEducation: Equipping people for a better future
Of the 610 million students enrolled in primary education, only 10% are expected to ever enroll in secondary education Literacy levels in most developing countries remain extremely low with 98% of the world's illiterate or semiliterate population residing in these regions. Of the 1 billion students expected to enroll in primary education over the next five years, over 220 million students are expected to drop out during the primary stage and an additional 290 million primary graduates are expected to drop out before entering the secondary education system. Each year, only about 10 million students enter the secondary system against the nearly 100 million who enroll in primary. mEducation is being used to increase affordable access to education for students in developing markets Access to education remains a critical problem for reasons ranging from insufficient school coverage and low household incomes to limitations in the quality of locally available material and teachers. The widespread penetration of mobile networks offers a powerful platform to improve access to relevant content. mEducation solutions already allow thousands of students in China, Bangladesh, South Korea and Indonesia to access course content through SMS and audio lessons. An mLearning student saves 86.7% of the cost spent by students taking the same training in a traditional classroom. Much of this is due to the elimination of the cost and inconvenience of travelling to attend courses. Inexpensive personal learning devices like the USD35 tablet launched in India are further improving access to mEducation.
In developing regions, mEducation could provide 180 million children the opportunity to stay in school over the next five years. mEducation could provide access to educational resources, tools and materials anytime and anywhere by leveraging mobile devices to provide access to education.
One hundred and eighty million potential dropouts would have access to education via mlearning and up to 20 million could be retained in the system The projected increase in mobile data penetration could provide education access to almost 180 million dropouts over the next five years as most mobile service providers now offer mEducation services. We estimate that with increasing penetration and awareness, around 6–8% of these students could be retained in the education system and encouraged to join secondary education. This amounts to almost 9 million primary and 12 million secondary enrolments over the next five years in these regions.
Impact of mEducation every year
610 million students are enrolled across primary education
Only 470 million students remain 140 million dropout
77% 23% 15% 85%
8 million can be retained in the system at this point
67 million graduate from last grade of primary every year
Only 10 million students are enrolling in 1st grade of secondary 57 million dropout before enrolling in secondary
4 million can be retained in the system at this point
mEducation has had significant success despite being a very new innovation in the market Multiple pilot programmes and studies have been conducted across the developing markets to assess the impact of mEducation on access to education and student performance improvement: • An mLearning service called MoMath, which was introduced in 2009, has delivered a 14% improvement in math grades in South Africa. • Nokia has over 20 million subscribers and 1.5 million active users for its Mobiledu product in China. • Project ABC in Niger has shown substantial gains in numeracy exam scores along with higher impact learning. • The WorldReader project in Ghana has provided students across multiple grades with textbooks through mobiles. • BYOT e-learning in Nigeria has seen a 30% improvement in students' academic performance with 7% reduction in dropout rates.
Over 30 million students are expected to drop out of school over the next five years Developed countries are currently facing a considerable number of educational challenges. One in four Europeans under the age of 15 attains only the lowest level of proficiency in reading. Across most developed countries, 20% of students do not attain an upper secondary degree and nearly 50% of the school dropouts are between Grade 3 to Grade 6. This results in a substantial employment disadvantage for these dropouts as they often lack the most basic job skills. For example, in the US, despite the economic crisis in 2011, there were over 1 million unfilled job vacancies due to the lack of skilled labour. Large-scale roll-outs of mobile learning through mEducation initiatives are already taking place in developed countries There is a lot of work being done towards improving student engagement and customising education for each learner to improve retention. mEducation simplifies access to content and experts, and also overcomes the traditional constraints of time and location. Of the major mobile application (app), eBook and audiobook stores, at least 15–17% of titles are mobile learning apps and there are now major digitisation efforts taking place in the UK and US school systems. Korea and Denmark are moving to provide mobile education access to all students by 2015, and Turkey is committed to rolling out over 15 million tablets by 2016. Over 1.8 million students (8% of dropouts) could be retained across Grades 1 to 10 over the next five years Over 25 million potential dropouts will have access to mEducation thanks to the growing adoption of mobile data services in developed markets. Considering this ubiquitous access and the success of a number of mobile learning programmes, we anticipate that around 7–8% of these dropouts could be otherwise retained in the system and encouraged to graduate from secondary education. This would amount to around 1.8 million more skilled and 'job-ready' secondary graduates in developed nations over the next five years.
mEducation could help retain 1.8 million students in the education system across developed nations by 2017. mEducation will enable educators to personalise education solutions for individual learners to improve student engagement.
mEducation has various effective performance improvement and engagement tools Multiple studies have been conducted across the developed market to assess the impact of mEducation on student performance and retention: • Apple's 'Special Education' section in the iTunes App Store aims to reach out to over 5 million schoolchildren with cognitive or physical impairments in the US alone. • Pearson has partnered with various colleges across the US to provide access to courses and learning materials. • At-risk secondary students in the US state of Tennessee have succeeded in raising the graduation rate by 8%, through mEducation plans. • MoLeNet in the UK, suggest that national in-year retention rates will improve by 8% using mEducation. • Project K-Nect in the US has increased student proficiency rates by 30% by mLearning.
4. mAutomotive: Making the roads safer and the world a little less hungry
Developing nations waste over 1.1 billion tonnes of food every year In the developing world, over 18 million deaths occur every year due to malnourishment-related conditions. The primary reason for this food scarcity is not the lack of production in these regions, but the wastage of food. Over 40% of the nearly 2.7 billion tonnes of food produced in the developing world is wasted every year. Most of this wastage is the result of poor infrastructure and food management. Transport and storage-related wastage alone contributes to over 240 million tonnes in these regions. This is the equivalent of the amount of food that can feed nearly 400 million people every year. mAutomotive services are already making an impact in improving fleet performance in developing markets In markets such as Asia and Africa, fleet telematics is currently being employed in a variety of applications to improve fleet management and goods' tracking, especially in the food transport and cold transport supply chain. The development of fleet telematics is dependent on the growth of the breadth and depth of global mobile networks, as well as the implementation of complementary in-vehicle connected solutions. Current mainstream applications include the following: • Route and travel time optimisation. • Idling and stoppage time reduction. • Checking and managing storage temperature. • Monitoring vehicle attachments or vehicle doors. • Observing driver behaviour and performance.
Fleet telematics could prevent food wastage during transport and hence feed a population the size of Kenya every year by 2017. Fleet telematics is the combination of mobile technology and informatics that enables monitoring and management of logistics' services.
mAutomotive solutions could prevent enough wastage to feed over 40 million people a year We estimate that as the potential benefits of fleet telematics gain traction among the fleet operators and owners, coupled with basic awareness programmes, food wastage during transport and storage can be reduced by 10–15%, the equivalent of 25 million tonnes a year. This much food is sufficient to feed over 40 million people, a 2,000-calorie diet, every year. A truck using vehicle telematics is expected to save the equivalent of one tonne of food a month through increased efficiencies and performance improvements that can be felt across the board.
Food losses across the value chain
• • •
Retail and Distribution
Handling and storage*
Processing and packaging
* 25 million tonnes of food could be saved every year which can feed: the entire population of Kenya two-thirds of the UK all of Canada
The key to the impact of fleet telematics lies in wide-ranging performance benefits Acknowledging the benefits of fleet telematics, a wide range of companies from across the world offer fleet telematics and related services to logistics' operators and owners. The developing markets' demand is now being actively serviced through low-price telematics' solutions costing under USD800 per vehicle. This service is proving to be very attractive to major food cooperatives in India, which are now requesting that fleet operators provide them with telematics-enabled tracking. Some well-documented performance-related improvements are as listed below: • Journey time reduction by 10–15%. • Maintenance cost reduction by 10–15%. • Fuel cost reduction by 10–15%. • Average reduction in billing cycles by 1–2 weeks. • Reduction in idling and stoppage time by 40–80%.
Over 85,000 people die every year from road accidents across OECD regions Deaths from road accidents feature as one of the top causes for fatalities in OECD countries. Road accident-related deaths are primarily caused due to cardiac failure, respiratory failure or massive bleeding conditions. Half of these victims die within the first hour. In the moments following a major accident, every minute becomes critical to saving the victims' life and therefore the sooner that medically trained help arrives, the higher the chances are for survival. This becomes particularly important in the case of cardiac failures where every minute of delay reduces the chances of survival by around 10%. mAutomotive services could reduce emergency response time by 50% in rural areas and 40% in urban centres While emergency call services cannot reduce the number of road accidents, they help to dramatically reduce the time required to get trained help to an accident scene. Once activated after an accident, these applications establish a voice and/or data connection directly with the nearest emergency service provider and provide details of the accident, such as the time and location via the use of GPS or triangulation, based on the nearest mobile towers. Most OECD-based studies indicate that emergency response times could be reduced by 40–50% through emergency call services as they eliminate the need for the victim or passers-by to actually make the call. Over 35,000 lives could be saved over the next five years through emergency call services With the EU mandating such services, current adoption patterns in other OECD regions and the growing industry awareness around the potential benefits of this simple intervention, cars with these embedded services will make up a significant portion of new car sales. Most major studies to date support the position that an estimated 10% of accident-related fatalities could be reduced through e-call services every year. This compelling evidence has prompted the European Commission to consider legislation that would make it mandatory for all new cars to be fitted with the emergency calling system by 2015. Even in North America, a similar service is now available from General Motors via their OnStar services.
Strategy& 19
1 in 9 lives lost in road accidents could be saved by mobile-enabled incar emergency call services. In-car emergency call services could broadcast life-saving information such as the location of the accident to the nearest emergencyservice provider.
87,000 road fatalities occur every year in the OECD region and around 50% of the victims die in the first hour 50% of the victims having heart failure could be saved 2 minutes 25% of all fatalities 5 minutes 10 minutes 15 minutes 25% of all fatalities 50% of the victims having heart failure could be saved Survival rate of 85-90% for respiratory failure Survival rate of 50% for respiratory failure Survival rate of 95+% for massive bleeding
30 minutes 1 hour
Survival rate of 50% for massive bleeding Only 10-15% of victims could be saved
30% of all fatalities
1 - 24 hour
20% of all fatalities
1 - 3 weeks
Typical response time in urban centres Typical response time in rural centres
The key to the impact of fleet telematics lies in wide-ranging performance benefits Multiple studies sponsored by governments as well as large corporations confirm the advantages of emergency call services in developed markets: • According to the eSafety, and eMerge studies and TRACE studies there could be 5–12.5% reduction of fatalities due to road accidents through the use of such services. • The STORM study shows that the emergency calling service could reduce response times from 21.2 minutes to 11.7 minutes in rural areas and from 13 minutes to 8 minutes in urban centres.
20 Strategy&
5. Smart Cities: Tomorrow's cities today
Typical commute times in the largest developing market cities are in excess of 90 minutes a day The 15 largest emerging market cities are home to over 250 million people. In these cities, over 160 million spend an average of 90 minutes a day commuting to work and back. In 2011, IBM published the results of its annual global 'commuter pain' survey, which indicated that traffic is one of the largest challenges being faced by these cities. Of the 21 cities surveyed, the bottom eight were all from the developing world. An overwhelming majority of respondents (in excess of 60%) stated that traffic negatively impacted their stress levels, physical health and productivity. The total time that is typically spent commuting in these cities adds up to more than three years in one's lifetime. Mobile-based commute interventions could increase adoption of public transport Commute interventions using mobile technologies have the potential to improve the quality of public transport in these cities. Dynamic scheduling of buses based on commuter movement and density could drastically reduce the movement of empty buses clogging up traffic during peak hours. Mobile payments could eliminate queuewaiting times, and provision of real-time updates and schedules could encourage more commuters to use public transport. NFC technology could eliminate the need for special equipment to accept payments from a wide range of options, such as phones or even smart cards.
Smart commute interventions could give back commuters a whole week's worth of time every year. Smart commute interventions such as mobilebased payments, live and dynamic transit scheduling, and commute-time updates would encourage a large number of people to use public transport.
Mobile interventions could encourage over 20 million people to adopt public transport over the next five years Consensus studies indicate that in heavily congested areas, a 1% reduction in vehicles on the road typically reduces commute times by 2–3%. A well-networked transit infrastructure involving the ability to track commuters, provide them with up-to-date information to plan their commutes and eliminate friction generated through transaction delays could encourage 25–30% of commuters to opt for public transit. We estimate that such a large movement towards public transit could reduce commute times by as much as 30–35%. While mobile penetration in these cities has typically reached near saturation, the key to success lies in a concerted effort by the various stakeholders with local authorities being the primary enabler.
What is the value of the time saved commuting? Every year Over a lifetime
180 hours
Over a hundred football games A month's worth of work
Master any skill of your choice Three years of college
Mobile technologies are expected to play an increasingly important role in public transport adoption and traffic management • A 2012 study by MIT, Central South University in China, the University of California at Berkeley and the Austrian Institute of Technology, using data from drivers' cell phones, states that the strategic elimination of only 1% of drivers from select neighbourhoods during rush hour would reduce travel times within a city by as much as 18%. • In January 2013, China pledged to boost urban transport and is encouraging mobile payment systems to increase ridership in all its major cities. • Indian Railways has launched a ticket-booking app for mobile phones and has authorised the use of SMS as the ticket itself. There are several test projects to roll similar technology out for metro and bus services. • Google has recently entered the Kenyan market with its NFC-enabled 'beba' travel card which could be swiped against smartphones.
22 Strategy&
It would take the equivalent of 16 billion trees to offset the amount of carbon emissions from the top 50 OECD cities Cities are centres of commerce, trade and industry around the world, resulting in large population clusters. In fact, over 80% of the population of the major OECD countries reside in urban centres and while cities may be considered the 'lands of opportunity', they are also the most taxing on the environment. Cities contribute over 80% of direct and indirect carbon emissions, with households alone contributing around 25%. Today, the 50 largest cities in the OECD region emit over 735 million tonnes of CO2 every year. Domestic smart meters have the potential to reduce the carbon footprint of households Both people and the environment could benefit from smart meter technology. Unlike more conventional home energy monitors, smart meters gather data for remote reporting of energy, water or gas usage. They primarily differ from traditional meters in their ability to enable two-way communications between a meter and its service provider. Furthermore, the additional benefits of 'remote cut-off' and 'start-up' that could prevent idle-time energy wastage, especially during cold months and 'time of use' pricing, makes smart meters a good investment for people who do not consume much power during peak hours. In developed markets, over 100 million smart meters will be installed over the next five years Smart metering in the developed world is really beginning to take off. In the Australian state of Victoria, smart meters are being rolled out to over 2.6 million electricity customers and in Canada, 7 million households already use smart meters. A similar increase can be seen in the US, where smart meter adoption has gone from 6% to over 30% in only three years, to a total of 27 million smart meters and an estimated additional 38 million will be installed by 2015. In Europe, the UK plans to have smart meters in all homes by 2020 and a further 11 more European countries aim to be 100% smart meter-compliant by 2019. It is anticipated that by 2017, the adoption of smart meters in the top 50 OECD cities will help reduce household energy consumption by 3.5% or the equivalent of 27 million tonnes of CO2.
In major cities across the developed world, smart metering could reduce carbon emissions offset by over 1.2 billion trees. Smart meters record the consumption of electricity in regular intervals and use mobile networks to transmit that information at least daily for monitoring and billing purposes.
Smart meters can relieve stress on the grid and reduce consumer electricity bills considerably Smart meters are now considered to be very useful utilities for reducing energy consumption. Various studies have been conducted and they support the need for smart meters: • The 2008 GridWise trial in the US concluded that smart meters could reduce utility bills by 5–15%. • The Galvin Electricity Initiative, which has been monitoring smart meter-related cost savings across the US, indicates that dynamic pricing in some instances could be around 27–30% cheaper than retail pricing of energy. • A pilot programme in the US state of Oklahoma was recently funded by the American Recovery and Reinvestment Act and a 15-year, USD14.2 million energy savings performance contract.
Initial shortlisting of region-specific interventions and their key areas of impact This research report aims to capture the socioeconomic impact of a connected life for developed and developing markets. As part of our research, we looked at the four services of the 'Connected Living' programme: mHealth, mEducation, mAutomotive and Smart Cities. We shortlisted a series of potential region-specific interventions based on the following filters: • Address key burning needs that affect us on a large scale. • Have a measurable impact by 2017. • Have some degree of adoption in the existing market. Based on our filtering criteria, we arrived at four interventions for developed markets and four more interventions for developing markets. Capturing data and developing impact models We created a master pool of data to capture the relevant data points by country (or the region wherever applicable) from standard global knowledge sources (e.g. WHO, UN and the World Bank). We then identified a series of case studies, research outcomes and pilot programmes that have been able to arrive at quantifiable conclusions on the impact of each intervention. Based on the impact, evidence was organised to provide regional impact data sets and country clusters with similar impact levels, based on current conditions and mobile penetration levels. These clusters and the impact of these interventions were consolidated to arrive at the first set of conclusions. These conclusions were then tested by altering the various impact metrics to arrive at optimistic and pessimistic scenarios. Another series of tests conducted involved the introduction of error variables to determine the sensitivity of these models. Arriving at projections The models have been designed, such that the impact of each intervention is estimated on existing projections of impact areas. For instance, in the case of our mHealth – developed markets analysis, we used the OECD Health Indicator report as the basis for analysing our impact on projected spends. Based on this impact, we have arrived at our conclusion for each of the eight topics of research.
mHealth OECD Report: Health at a Glance 2011, OECD Indicators (2011) BCG Telenor: The Socio Economic Impact of Mobile Health (Apr 2012) GSMA-McKinsey: mHealth: A new vision for healthcare Connected Cardio Care Robert E Litan: Vital signs via broadband: Remote health monitoring transmits savings, enhances lives (2008) IRD: mHealth to Improve TB Care (May 2012) GlaxoSmithKline: Mobile for Malaria The Cochrane Collaboration: Mobile phone text messaging for promoting adherence to antiretroviral therapy in patients with HIV infection (2012) Actevis Consulting Group: Scaling up Mobile health (Dec 2011) mAutomotive SMART Study: Impact assessment on the introduction of the eCall service in all new type-approved vehicles in Europe, including liability/legal issues (2008) eIMPACT: Socio-economic impact assessment of stand-alone and co-operative intelligent vehicle safety systems (IVSS) in Europe (2008) SEISS Study: Exploratory study on the potential socio-economic impact of the introduction of intelligent safety systems in road vehicles Food and Agriculture Organization of the United Nations (UNFAO) (2006-2011) UNFAO: Global food losses and food waste (2011) World Bank: Missing food: The Case of Postharvest Grain Losses in Sub-Saharan Africa (2011). Vodafone: Connected Agriculture (2011) Souther Agricultural Growth Corridor of Tanzania (SAGCOT). Packaging and Films Association – Frequently Asked Questions
mEducation UNESCO education indicators: (2006-12) Ambient Insight: The Worldwide Market for Mobile Learning Products and Services: 2010-2015 Forecast and Analysis McKinsey and GSMA: Transforming learning through mEducation (2010) IBM: Smarter Education – Building the foundations of economic success (2012) GSMA: Mobile education landscape report (2011) GSMA: mLearning: A platform for educational opportunities at the base of the pyramid (2010) UNESCO and Nokia: Turning on mobile learning > Illustrative initiatives and policy implications (2012) Smart Cities Pike Research: Smart meters in Europe (2012) Directive 2009/72/EC of the European Parliament and of the Council concerning common rules for the internal market in electricity (2009 ) IMS Research: The world market for smart meters (2010) Department of Energy and Climate Change: Smarter grids: The opportunity (2009) IBM Report: A vision for smarter cities (2009) CNET: "GridWise trial finds 'smart grids' cut electricity bills" (2008) Seimens Green City Indes (2012) New Cities Foundation: Connected commuting (2012) United Nations Statistics Division: Demographic and Social Statistics Schechtner, González, Wang, Bayen and Hunter, "Congestion can be alleviated throughout a metropolitan area by altering the trips of drivers in specific neighborhood" (Scientific Reports December, 2012)
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I now owe about $7k in various debts, not including my $19k car loan, and student debt. I make about $21k a year before taxes. Median income for my state (PA) is $k/year. I cannot keep up with even minimum payments. Is bankruptcy a good option for me?
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We can't (and shouldn't) advise on that beyond letting you know that student loan debt (which might be the biggest chunk in your case) is not dischargable in bankruptcy. Look in the phone book and consult with a bankruptcy attorney. The initial consultation is free and the attorney will provide advice that might help you to avoid bankruptcy and to get the debts taken care of. And, please, never try to do a bankruptcy without an attorney's advice.
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The Cuddles and Curves Lingerie website is provided to you on an 'as is' basis. Although we do our best to keep our website current and updated regularly, the website may contain errors, faults and inaccuracies. We make no representations or warranties of any kind, express or implied as to the operation of this site or the information, content, materials or products included on this site, except as otherwise provided under applicable laws.
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Releases for the week of June 23rd include THE QUEST by Nelson DeMille, a sweeping adventure that takes readers from the war-torn jungles of Ethiopia to the magical city of Rome; James Lee Burke's LIGHT OF THE WORLD, a harrowing novel that examines the nature of evil and pits Dave Robicheaux against the most diabolical villain he has ever faced; THE SIGNATURE OF ALL THINGS, Elizabeth Gilbert's return to fiction, which spans much of the 18th and 19th centuries and follows the fortunes of the extraordinary Whittaker family; and THE GIRL YOU LEFT BEHIND by Jojo Moyes, a spellbinding story of two women united in their fight for what they love most.
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June's roundup of History titles includes THE EXPLORERS, Martin Dugard's riveting account of one of history's greatest adventures --- the Burton and Speke expedition of 1856 --- and a study of the seven character traits all great explorers share; A. J. Baime's THE ARSENAL OF DEMOCRACY, a dramatic, intimate narrative of how Ford Motor Company went from making automobiles to producing the airplanes that would mean the difference between winning and losing World War II; JET SET by Vanity Fair contributor William Stadiem, the first-ever book about the glamorous decade when Americans took to the skies in massive numbers as never before, with the rich and famous elbowing their way to the front of the line; and WHAT SO PROUDLY WE HAILED by Marc Leepson, the first full-length biography of Francis Scott Key in more than 75 years, which is being published to coincide with the 200th anniversary of "The Star Spangled Banner."
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Curious about what books will be released in the months ahead so you can pre-order or reserve them? Then click on the months below.
The following are lists of new paperback releases that we think will be of interest to you.
Bookreporter.com Bets On
November's Books on Screen roundup includes the feature films Mudbound, Wonder and Murder on the Orient Express; the sixth and final season of "Longmire," along with the season two finales of "Queen Sugar" and "The Shannara Chronicles"; and the DVD releases of The Glass Castle, Atomic Blonde and Tulip Fever.
Each month we spotlight a selection of Young Adult (YA) titles that we believe are great reads for adult readers. Explore our picks here!
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Real estate tycoon Malik Riaz has refused to appear before the inquiry commission in the Arsalan Iftikhar case, headed by former police official Dr Shoaib Suddle, his lawyer Zahid Bukhari said Monday.
Express News reported that Riaz will file a review petition in the Supreme Court on the constitution of the commission.
According to his counsel, Zahid Bukhari, Riaz will not be appearing before the commission for its hearings.
The commission, constituted on the Supreme Court's orders, has obtained the complete record of the case from the court and the National Accountability Bureau.
Evidence will be collected from those are party in the case.
The media will be allowed to monitor the commission's proceedings.
Once the court releases its directives, Dr Suddle will have to complete his investigation within 30 days. He will be granted the powers of a magistrate and will be able to call assistance from lawyers and deploy state machinery as needed.
The commission will launch an inquiry against Riaz, Dr Arsalan and Riaz's son-in-law Salman Ahmed.
The commission will also probe SP Faisal Bashir and his subordinate officer's link with Riaz along with their professional misconduct.