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This note provides details on how UK military service personnel statistics are measured and discusses current and historic strength levels. The Army, Naval and RAF Services are examined, as well as the reserve elements of these services. Statistics on the diversity of the military, inflow and outflow rates, and surplus/deficits of strength against targets are discussed.
Download the full report
- UK Defence Personnel Statistics (PDF, 3 MB)
Supporting documents
- CBP7930---Appendix (Excel Spreadsheet, 23 KB)
There are three main ways to measure the number of military personnel (also known as strength): the total full-time UK Armed Forces, total full-time trained UK Armed Forces, or the total full-time UK Regular Forces.
The total full-time UK Armed Forces is the most comprehensive of the three measures. It comprises trained and untrained members of the UK Regular Forces, Gurkhas and full-time reserve service personnel (FTRS).
The total full-time trained UK Armed Forces is perhaps the most important measure as this is what the 2015 Strategic Defence and Security Review (2015 SDSR) personnel targets are based on.
The 2015 SDSR targets
The 2015 SDSR indicated that the required number of full-time trained UK Armed Forces personnel by 2020 would be 144,200.
The 2015 SDSR also re-affirmed the Government's commitment to increase the size of the trained strength of the reserve forces (known as Future Reserves 2020) to 35,060 personnel.
UK Armed Forces
The total strength of the full-time UK Armed Forces (trained and untrained) at 1 July 2019 was just over 152,000. Most personnel were within the Army (56%) with the remainder being equally split between the Royal Navy/Royal Marines and the RAF.
Across all services there were 29,600 Officers (19%) and 122,700 personnel with other ranks (81%). The distribution of Officers to other ranks varied across each service: around a quarter of all RAF personnel were an Officer (24%) compared to less than a fifth (17%) in the Army.
As at 1 July 2019 all branches of the UK Armed Forces were below the 2015 SDSR target for 2020. The full-time trained strength of the UK Armed Forces was 134,456 which is a shortfall of 10,744 (7%). The Army had the largest proportional shortfall (9%) and the Royal Navy/Royal Marines the smallest (4%).
Future Reserves 2020
The Future Reserves 2020 (FR2020) refers to the programme begun under the Coalition Government (2010-15) to expand the size of the trained element of the Armed Forces Reserves, increase the circumstances in which they might be deployed, and better integrate the reserves with the regulars.
This policy was driven by the findings of an independent commission into the Reserves in 2011 and encapsulated in a 2013 White Paper 'Reserves in Future Force 2020: valuable and valued' (Cm 8655). The Defence Reform Act 2014 removed limitations on how the Reserves could be used and changed the name of the Territorial Army to Army Reserve.
The Ministry of Defence provided revised trained strength targets for the Reserves in November 2016 (HCWS248), revising those announced in December 2013.
The original December 2013 target was based on the number of trained personnel (those who have passed Phase 1 and Phase 2 training). Following the change in definition of the trained strength for the UK Regular Army and Army Reserve in 2016, the measurement/target for the Army Reserve is based on those who have passed Phase 1 only. The Maritime and RAF Reserves targets were unchanged.
The November 2016 statement set the trained strength targets for 31 March 2019 at 35,060 personnel: 30,100 personnel for the Army Reserve, 3,100 personnel for the Maritime Reserve, and 1,860 personnel for the RAF Reserve.
The RAF Reserve is the only element of the FR2020 to have achieved its targeted strength. The Maritime Reserve is close to achieving its target – by 1 July 2019 it was shy of its 3,100 target by 270 personnel. The Army Reserve is currently missing its target by 3,100 personnel; this is despite the change in the trained strength measurement/target which occurred in October 2016. Overall, the trained strength of personnel within the FR2020 programme at 1 July 2019 was 32,500 – this is a deficit of 2,560 against the target.
Download the full report
- UK Defence Personnel Statistics (PDF, 3 MB)
Supporting documents
- CBP7930---Appendix (Excel Spreadsheet, 23 KB)


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Items where Author is "Thompson, M"
|Up a level
Journal article
THOMPSON, M., DAVIS, J. and COMPTON, R.G., 2006. Theory of cyclic voltammetry in tubular electrodes under no flow conditions. Journal of Electroanalytical Chemistry, 587 (1), pp. 56-59. ISSN 0022-0728
ELLIS, J.S., MCHALE, G., HAYWARD, G.L. and THOMPSON, M., 2003. Contact angle-based predictive model for slip at the solid-liquid interface of a transverse-shear mode acoustic wave device. Journal of Applied Physics, 94 (9), pp. 6201-6207. ISSN 0021-8979
LAWRENCE, N.S., THOMPSON, M., DAVIS, J., JIANG, L., JONES, T.G.J. and COMPTON, R.G., 2002. Carbon epoxy electrodes: unambiguous identification of authentic triple-phase (insulator/solution/electrode) processes. Chemical Communications (10), pp. 1028-1029. ISSN 1359-7345
THOMPSON, M., LAWRENCE, N.S., DAVIS, J., JIANG, L., JONES, T.G.J. and COMPTON, R.G., 2002. A reagentless renewable N,N '-diphenyl-p-phenylenediamine loaded sensor for hydrogen sulfide. Sensors and Actuators B-Chemical, 87 (1), pp. 33-40. ISSN 0925-4005
LAWRENCE, N.S., THOMPSON, M., DAVIS, J., JIANG, L., JONES, T.G.J. and COMPTON, R.G., 2001. Determination of sulfide and sulfite through the electrochemically initiated derivatisation of a redox indicator. Mikrochimica Acta, 137 (12), pp. 105-110. ISSN 0026-3672
Patent/Published patent application
THOMPSON, M., MCHALE, G. and NEWTON, M.I., 2003. Acoustic biosensor. Canada CA2451413 [published November, 2003].
Research report for external body
THOMPSON, M., HASTINGS, P. and GRIFFITHS, M.D., 2009. A qualitative study into machine gamblers. Birmingham: Gambling Commission.
THOMPSON, M., 2010. Payment for ecosystem services in the East Midlands. Other. Nottingham: East Midlands Development Agency.

subset: commoncrawl


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For Immediate Release
Chicago, IL – October 17, 2019 – Zacks Director of Research Sheraz Mian says, "We knew all along that earnings growth would be challenged in Q3, as it had been in the first half of the year, and that's what these results show."
Solid Start to Q3 Earnings Season
Note: The following is an excerpt from this week's Earnings Trends report. You can access the full report that contains detailed historical actual and estimates for the current and following periods, please click here>>>
Here are the key points:
- The big banks have given us a solid start to the Q3 earnings season, with strength in consumer-facing businesses helping offset an otherwise tough interest rate environment.
- Total earnings for the 43 S&P 500 companies that have reported results already are down -3.8% on +3.7% higher revenues, with 83.7% beating EPS estimates and 60.5% beating revenue estimates.
- For the Finance sector, we now have Q3 results from 36.8% of the sector's total market cap in the S&P 500 index. Total earnings for these Finance companies are down -2.4% on +2.9% higher revenues, with 85.7% beating EPS estimates and 64.3% beating revenue estimates. This is a notably bigger proportion of positive EPS surprises than we have seen from this group at this stage in recent periods.
- For Q3 as a whole, combining the results that have come out with estimates for the still-to-come companies, total earnings are expected to be down -4.1% on +4.3% higher revenues.
- Q3 earnings growth is expected to be negative for 10 of the 16 Zacks sectors, with double-digit declines for the Energy (-27.8%), Basic Materials (-23.6%), Technology (-11.2%), and Aerospace (-11.1) sectors. Excluding the Technology sector, total Q3 earnings would be down -1.9%.
- Sectors with positive earnings growth in Q3 include Business Services (+7.0%), Transportation (+6.4%), Utilities (+3.9%), Finance (+5.1%) and Construction (+0.9%). Q3 earnings for the index would be down -6.5% on an ex-Finance basis.
- For the small-cap S&P 600 index, total Q3 earnings are expected to be down – 18.9% from the same period last year on +3.1% higher revenues. This would follow declines of -12.6% and -18.3% in 2019 Q2 and Q1, respectively.
- Worries about the duration of the current economic cycle are not reflected in consensus earnings estimates for next year and beyond, with this year's growth challenge primarily a function of tough comparisons to last year's tax-cut driven record earnings.
- Total 2019 earnings for the S&P 500 index are expected to be down -0.7% on +2.4% higher revenues, which would follow the +23.1% earnings growth on +9.2% higher revenues in 2018. Growth is expected to resume in 2020, with earnings growth of +9.5% on +5.4% higher revenues.
- The implied 'EPS' for the index, calculated using current 2019 P/E of 18.6X and index close, as of October 15th, is $161.07. Using the same methodology, the index 'EPS' works out to $176.31 for 2020 (P/E of 17X). The multiples for 2019 and 2020 have been calculated using the index's total market cap and aggregate bottom-up earnings for each year.
Q3 Earnings Season Scorecard (as of October 16th, 2019)
We now have Q3 results from 43 S&P 500 members that combined account for 14% of the index's total market capitalization. Total earnings for these 43 index members are down -3.8% from the same period last year on +3.7% higher revenues, with 83.7% beating EPS estimates and 60.5% beating revenue estimates.
The earnings growth for these 43 index members (-3.8%) is weaker than what we saw from this same Finance-heavy sample of results in the preceding period (+1.7%), but revenue growth is exactly the same that we saw in the preceding period.
We knew all along that earnings growth would be challenged in Q3, as it had been in the first half of the year, and that's what these results show. That said, a relatively bigger proportion of companies are beating EPS estimates at this stage of the reporting cycle.
For the Finance sector, we now have Q3 results from 36.8% of the sector's total market cap in the S&P 500 index. Total earnings for these Finance sector companies are down -2.4% from the same period last year on +2.9% higher revenues, with 85.7% beating EPS estimates and 64.3% beating revenue estimates.
The reason why we referred to these Finance sector results as solid is because of the high proportion of these companies that are beating EPS and revenue estimates.
The strength and diversity in the JPMorgan JPM report showed why this company has emerged as the group's leader. The company reported impressive numbers at both the consumer and investment banking sides of its business, with trading revenues up in double-digits on market share gains on the fixed income side.
The trading business showed decent gains at Bank of America BAC and even Goldman Sachs which has been struggling with this business lately. Goldman had a lot less momentum in its core investment banking business, in contrast to JPMorgan, Citi and Bank of America. Consumer facing businesses stood out at Citi, JPMorgan and Bank of America, with all three showing strong credit card receipts.
On the negative side, net interest margin was down sequentially while loan portfolios were essentially flat.
Overall Expectations for Q3 & Beyond
Earnings growth was essentially flat in the first two quarters of the year, but is expected to be down -4.1% in the current period and in modestly positive territory in the last quarter of the year.
My sense is that actual Q3 growth will most likely be in the vicinity of what we saw in the first half of the year and Q4 earnings growth will most likely turn negative by the time we are closing the books on the Q3 reporting cycle.
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For my workout today I ran eight miles…
It took forever! And I struggled today, I even jumped off a couple of times at the end because I just didn't have the energy to get through. Right now I want to lose 5 lbs., and so I am paying a little bit more attention to my calorie intake. I love comparing how many calories I eat to how many miles I would have to run to burn it off. So today I burned almost 900 calories which is equivalent to a lunch size portion of Olive Garden's chicken alfredo.
Sometimes I hate looking up how many calories my favorite dishes have, but it is such an eye opener to what I am putting in my body.
A food journal is an awesome way to help lose weight. It holds you accountable for everything you eat and it can be a great tool in any weight loss program. When I know how long and how hard I have to work out to maintain or lose weight it makes me think twice before I stuff my face with delicious food!


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We have installed openemm 6.2 which has been worked well so far.But now new mailing is not working properly. the link always loading while clicking new mailing tab.
WE got following error in log file
"[24.12.2012 11:36:29] 12043 FATAL/except: CAUGHT EXCEPTION:
Traceback (most recent call last):
File "/home/openemm/bin/scripts/recovery.py", line 308, in ?
main ()
File "/home/openemm/bin/scripts/recovery.py", line 289, in main
agn.lock ()
File "/home/openemm/bin/scripts/agn.py", line 940, in lock
raise error (report)
error: Try locking using file "/home/openemm/var/lock/recovery.lock"
File exists, try to read it
Locked by process 27300, look if it is still running
Process is still running
please help to us...
Mailing overview always Loading Problem in Openemm6.2
Use this forum to report bugs and to check for bugfixes and new releases of OpenEMM
Moderator: moderator
- Posts: 28
- Joined: Tue Sep 04, 2012 2:18 pm


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My big fat zombie goldfish. [3], Fins of fury /
by O'Hara, Mo [author.]; Jagucki, Marek [illustrator.].Material type: BookSeries: O'Hara, Mo. My big fat zombie goldfish: 3.Publisher: New York : Feiwel and Friends, 2015.Edition: First U.S edition.Description: 214 pages : illustrations ; 22 cm.ISBN: 9781250029218; 125002921X.Title notes: $12.99 (separated from KIT) 7-2016 (db)Other title: Fins of fury.Subject(s): Goldfish -- Juvenile fiction | Zombies -- Juvenile fiction | Brothers -- Juvenile fiction | Camping -- Juvenile fiction | Paranormal fiction | Chapter books | Fiction | Juvenile works
|Item type
|Home library
|Shelving location
|Call number
|Date due
|Altadena Main Library
|Children's Collection
|Children's Fiction
Enhanced descriptions from Syndetics:

When Tom zapped Frankie the goldfish back to life with a battery, he certainly didn't expect him to become a BIG FAT ZOMBIE GOLDFISH with incredible hypnotic powers. But it turns out that a zombie goldfish is a great pet to have on your side when your big brother is an evil scientist whose plans need to be thwarted.

 There's something fishy going on in the woods, as Tom and his best friend Pradeep take Frankie on a camping adventure. Could the Beast of Burdock Woods be real?

 Then, something weird is going on with Mark. He's actually being . . . nice! Meanwhile, paranormal pets (including a teleporting tortoise, a mostly invisible poodle, a levitating budgie, and a vampire kitten) are missing all over town. Can Tom and Pradeep find out what's going on before Frankie disappears?

$12.99 (separated from KIT) 7-2016 (db)
"Originally published in the UK by Macmillan Children's Books, a division of Macmillan Publishers Limited."
"Includes two dangerously hypnotic zombie stories!"--Cover.
Frankie goes wild -- Revenge of the paranormal pets.
Tom and Pradeep go on a camping trip and question Tom's older brother's involvement when paranormal pets go missing. Tom must protect his big fat zombie goldfish Frankie before he ends up among the missing.
[Ages 7-10].


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Recently I was reminded why I love the game of baseball like no other.
Last week marked the voluntary retirement of a 34-year old pitcher who worked his innings out of the bullpen as a middle relief pitcher. Not an especially glamorous role for a pitcher – particularly one who most considered a first ballot entry into the Baseball Hall of Fame only a few short years ago.
The name of Kerry Wood might or might not mean anything to you. But if you witnessed his final outing – fittingly a strike out of a right-handed batter for the cross town rival Chicago White Sox – you couldn't help be moved by witnessing the deep bond between players and fans as he left the field of play for the final time.
You see baseball, for all its oddities and rituals, treats its players like no one other sport – and it is a mutual feeling between players and fans.
Statistics will tell you Kerry Wood accumulated a mediocre won and loss record of 86 – 75. His lifetime earned run average finished with a respectable 3.67 while pitching for the Chicago Cubs, Cleveland Indians and a short stint with the New York Yankees.
Kerry Wood, knowing his career was coming to a close, turned down larger payday offers elsewhere in order to return to his roots in Chicago and finish where he'd started.
In baseball, this is called a 'hometown discount' – foregoing more money to finish where you wish to play out your time.
But what the raw statistics won't tell you is why Kerry Wood is so loved by not only by the fans behind the ivy-covered walls of Wrigley Field, but baseball fans around the world.
Kerry Wood, quite simply, was the greatest pitcher on the planet for a much too brief time in history.
With an arm like whip, his fastball repeatedly nudged 100 miles per hour as it blurred past batters. His pitches, so laced with hop and fury, he once struck out 20 batters in a nine-inning game. He also became the fastest pitcher to reach 1,000 strikeouts.
Off the field, he was a gentleman and worked tirelessly for charities raising millions in his beloved Chicago.
But then, like others, injuries rudely interrupted what many thought could be the best pitcher in a generation – or longer.
Repeated injuries led to invasive surgeries and prolonged absences from the mound. His fastball, still clocking over 95 miles per hour the day he retired, found itself too often crossing the plate without the hop and movement needed to keep batters guessing.
As happens in baseball, sometimes a change of scenery is prescribed to jump-start a career. Kerry Wood soon found himself on the road playing with teams looking for a hired gun. But eventually, time and the physical limitations began to eat at the once great pitcher.
They say elephants will march for hundreds of miles to finish life in a place they consider home. Baseball, in yet another oddity, sees this regularly.
On a sunny May afternoon Kerry Wood calmly announced to the Cub fans that his next outing would be his last.
There was no outcry, no finger-pointing. Everyone understood. Even elephants instinctively know when it is time to move on.
With his final pitch from the mound at Wrigley Field, Kerry Wood earned strikeout number 1,582.
With an odd sense in the air, everyone watched at the manager stepped up from the dugout and onto the field.
Teammates slowly walked to the mound as the manager asked for the ball. Kerry Wood, as he'd done for most of his life, obeyed and handed over the ball. As he stepped off the field the fans – a mixture of both Cubs and White Sox fans – stood in unison to emotionally applaud a man of the likes they knew they might never see again in their lifetime.
But the salute was not limited to the stands as player for the cross-town rivals also stepped forward to applaud as Kerry Woods made his final step across the white chalk line.
And then, as if to remind us all about what is important in life, Kerry Wood's young son burst up onto the field and ran into the emotional embrace of his father's arms.
One day the retirement of Kerry Wood will be nothing but a footnote in baseball history. But for those of us who understand what we witnessed on the day of his retirement, we will always remember why we love this game like no other.
– 30 –


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The Promise of Easter Morning
While it was a pretty challenging, snowy drive to the ECMN Retreat Center, I was as excited as I always am for our Meeting of Elected Bodies. Greeting people as they arrived, everybody had a story of traveling travails, yet there was still a good spirit in the air. Then, like being caught in a sudden … More The Promise of Easter Morning


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An exciting, new version of System Mechanic is here, with essential under-the-hood improvements to bring you more speed, stability and security. Click here to learn more! Compatible with Windows® 7 and above.
Both System Mechanic (Standard) and System Mechanic Professional products are available from their respective product download managers below.
System Mechanic (Standard) - sm.iolo.com
System Mechanic Professional - smpro.iolo.com


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// EGOZY on Logo //
When I see this Dress on FLICKR I know I have to get it, it is a collectible item in Second Life. I just love and love the hat especially and I know this outfit will be perfect for Egozy new skin especially designed to match Logo head.
Egozy CindyK is available at the Skin Fair 2016 as exclusive item, I am wearing the fair version here.
Now let see what I am actually wearing …
hair + hat : !gO! Antoinette – hair – Blonde [ We ❤ RP ]
head : LOGO Alex v3.0 Omega
skin applier : Egozy.CindyK (Fair) [ SkinFair 2016 ]
earring : Lazuri Perllina Earrings
necklace : Lazuri Perllina Necklace
gown : !gO! Antoinette corset + skirt – Daylight [ We ❤ RP ]
pose : Sari-Sari – apples03


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Welcome to PME Online. We are a specialist electrical contracting company based in Leeds and we offer total electrical solutions for homes and businesses in the Yorkshire area.
With over 23 years of experience in the electrical industry we provide the highest level of service to all our customers and we are experts in all aspects of domestic, commercial and industrial work.
Here are some of the services we offer..
We offer the following:
|Happy to Accept Learn more


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Leigh Creek Energy Ltd (ASX:LCK) has developed a deal with China Communications Construction Company Ltd (CCCC) to invest in large-scale infrastructure projects beyond in-situ gasification in South Australia.
CCCC committed to providing Leigh Creek with a draft heads of agreement (HoA) allowing the companies to cooperatively develop projects such as ports and railway.
The scope of collaboration between the two parties includes: project consultation; investment in Leigh Creek and its project financing; and construction and operation.
READ: Leigh Creek Energy moves closer to commercial syngas production in South Australia
Leigh Creek executive chairman Justyn Peters said having CCCC on board was not only good news for Leigh Creek, but a huge opportunity for South Australia.
Peters said: "To have such an internationally renowned company in Adelaide is a great opportunity for LCK and the state to showcase the project.
"Active steps have been undertaken since our last announcement to bring this HoA and cooperation agreement with CCCC to fruition.
"It shows how significant world players are as excited as we are in developing this project."
Planning project cooperation
The two parties will also sign a project cooperation agreement to establish the best model to go forward on the Leigh Creek Energy Project, with specific details to be included in a special vehicle project agreement.
CCCC is the world's largest port design and construction company, independently designing and constructing seven of the world's ten largest ports.
It is also the world's largest offshore oil drilling platform design company.
The 63.8% Chinese state-owned enterprise has revenue of more than US$70 billion and more than 118,000 employees.
Other shareholders include multiple affiliates, or funds managed by, Merrill Lynch, BlackRock and JPMorgan Chase.
Gasification technologies
Leigh Creek is making significant progress at the pre-commercial in-situ gasification demonstration facility at its Leigh Creek Energy Project in South Australia, with gas flows continuing for 53 days.
LCK is aiming to produce high-value products such as electricity, methane and fertilisers from the remnant coal resources at Leigh Creek, utilising in situ gasification (ISG) technologies.
LCK's recent progress is bringing the company closer to commencing the process to upgrade a portion of its 2,964 2C resource to proven and probable reserve status.
The company's major objective is to achieve commercial syngas flow and commencement of the resource upgrade process in Q4 2018.


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Scrabble & Words with Friends Word Unscrambler
Definition of Woofter
1 Definition of Woofter
The definition of woofter, the meaning of word Woofter
Is woofter a scrabble word? Yes!
- .- an effeminate or homosexual man.
0 Synonym of Woofter
Woofter is worth 13 points in Words with Friends
There are 7 letters in woofter: E F O O R T W


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Interview with a Savings Expert: Kelly WhalenInterview with an Expert
Since 2009, Kelly Whalen has been the owner and editor in chief of The Centsible Life, her blog on family, finances, and "fulfilling your dreams" all while on a budget. Before Centsible Life, Kelly was Co-President of her community's online forum. She also collaborates with Splash Creative Media in addition to running her own site.
As a proud stay-at-home mom of almost two decades, Kelly is well-equipped to talk about family matters and making money without leaving the house. We had the great pleasure of getting the chance to ask Kelly to share her story – take a look.
Great to have you with us today. You mentioned that what inspired you to start The Centsible Life were your family's experiences battling debt. Could you talk to us about how you think your family found itself in debt, when you realized you needed to take action, and what your first steps were for recovery?
Thanks for inviting me! It's great to chat.
I started the Centsible Life when it became clear to me that I needed to learn to manage our money better. It goes back all the way to the beginning of our relationship though. We made a choice early on in our marriage to have me stay at home with our young kids. Living on one income was challenging, but we always found a way to make things work.
We always did fine, we had debt, but we'd pay it off, we had savings, but then we'd use them. We managed ok day-to-day, but we weren't really doing well. When we moved into a new home about six years ago, things quickly got out of control. We had some minor debt, but it quickly became an issue as our new home was more expensive, needed repairs, and was more costly to maintain.
About a year after we bought our house I knew we were heading in the wrong direction, and started to take steps to manage our money better and get our debt under control. I started reading everything I could, participating in personal finance forums, and changing our financial lives step by step.
The first steps were to assess all of our accounts and get a handle on where we were starting. Then I thoroughly examined every expense we had. It was a slow process to change the direction of our finances, but we started to make headway in the opposite direction and watched our debt shrink. It was a great feeling, but we have had to continually work hard to keep going in the right direction when other expenses, repairs, and emergencies arose.
You're a mother of four. You managed to find part-time work doing odd jobs and launch the site, even when you were raising your kids full time. How did you manage your schedule so that you didn't go crazy, to put it bluntly?
The key is my husband. He is amazingly supportive and encouraged me to start my blog, and took on childcare duties whenever I needed to work. I was able to find good paying jobs that were on the weekends (childcare at a church nursery for instance) so they were easy to fit into our family life.
When I started my site, I worked whenever I could. I worked around his and the kids' schedules, sometimes late at night, answering emails in the carpool line, or working while on a break from my job.
My family actually keeps me from going crazy. Spending time with them is always a way to remind me why I'm working hard. And when I needed a break, my husband had this amazing sixth sense for it and would send me off to have some alone or girlfriend time so I could recharge.
Children are expensive! A recent CNN report calculated the average cost to raise a child in America from birth to age 18 to be about a quarter of a million dollars. As a mother who's frugally-minded, how did you go about cutting costs when it came to your kids?
Where to start? There are so many ways to keep costs down when it comes to kids. Buying gently used items, NOT buying all the things we supposedly 'need,' and finding frugal ways to keep kids busy and entertained.
Another big part chunk of those expenses comes from childcare and education. You can save hundreds of thousands of dollars by alternating schedules with your spouse, having one person work from home, or finding alternative childcare arrangements for your children. Where you live also plays a huge part in education costs and in general your cost of living, so consider where you 'settle down' carefully.
You make the argument that working a stay-at-home job can actually save you more than working a commuter job. For those of our readers interested in finding home employment, could you talk to us about the logistics of such a job, how to make that decision to stay at home, and also how to budget and stick to a personal schedule?
Making the transition may seem challenging, but in many careers it is possible. Even for jobs where you need to be in the office frequently, you can often work from home one or more days a week. To make the transition you'll need to prove your case to your manager or supervisor, and be sure to remain diligent about getting tasks done from home.
If you're looking for a new job or career from home, I always recommend looking at what skills and interests you have. For instance, you may have worked in sales, but if you have amazing sewing skills you could start a small alteration business or make custom pieces from home.
The logistics can be challenging, but it helps to have even a small space that's dedicated to your work, and being organized can be a great way to stay on top of work without getting overwhelmed. You can read more on my site as part of the Work at Home series I shared.
One of your Best Times to Buy rules of thumb for saving money is to plan a shopping schedule a year in advance. I can't even plan what I'm going to have for breakfast tomorrow. When you go about making projections into your future spending, what are three or four things you consider for purchases down the road?
It is overwhelming with how much we juggle to think that far ahead. The key for me has been blocking off about an hour or so each week where I pay bills, update financial accounts, and track upcoming purchases and plan savings for larger purchases.
It helps to have categories such as home repairs, renovations, appliances, clothing, vacations, and of course things like school supplies, and holiday or birthday shopping. Breaking down all the things you'll need into smaller chunks and more manageable dollar amounts can be a huge help.
It seems like you and your husband are on the same page when it comes to financial planning. Is that right? Spousal cooperation is no doubt a prerequisite to a stable, debt-free household. How do you two discuss financial matters, and, if ever, when you disagree about something, how do you resolve the issue?
For the most part, we are on the same page. Since I tend to be organized, I manage the day-to-day and bill paying, and check in with him each week. We also have a rule about checking in with each other about purchases that go beyond our monthly 'allowance.'
We definitely disagree, but in the end we can always come to a mutual compromise that works for both of us. It takes some back and forth, and sometimes we need to we take a 'cooling off' period until we can set aside the emotional component to discuss it pragmatically.
A whole section of your site is dedicated to Tips & Tricks to save money. What are three of your foxiest tricks that might not be that obvious, but sure are effective?
1. Keep membership cards and coupons in your purse or car. If you don't have a physical coupon, take a few seconds to Google coupons and the store or restaurant's name before you even set foot inside. This can save you hundreds of dollars!
2. Evaluate your spending and bills every 2-3 months. Your spending isn't always in line with what you value. For instance, you may be saving up for a once in a lifetime trip, and seeing $150 go to your cable company each month isn't in line with that goal. It helps to evaluate these numbers on a year-long basis, so that $50/month you save adds up to $600 for the year!
3. Have a one in, one out rule. Clutter can cause chaos, take up time and money, and cause stress. It's easy to curb the clutter by getting rid of things as you bring new items into your home. Additionally, this allows you to donate items which can add up to a hefty tax deduction.
When you're planning Do-It-Yourself (DIY) jobs around the house, how do you know what's something you can accomplish, and when you need to call in a professional? Where's that line? Is it financial or physical, or both?
Spend time researching your projects before you jump in should give you an idea pretty quickly if it is within your scope or not, since you'll be able to find advice and information from all kinds of websites and blogs.
As long as you're physically able, most projects can be DIYed. They may take longer, but the savings are often worth it. Of course, running the numbers will pretty easily tell you how expensive the tools and materials needed would be, and if you are considering hiring someone for a job, you'll want to get multiple quotes.
I always recommend calling in a professional (or family member or friend) who is trained for projects that could lead to large repair bills if a mistake is made. For instance, you may not feel comfortable doing any electrical wiring in the walls, even if you feel confident enough to hang a new lighting fixture.
In most cases, you'll know when not to DIY when the bill is something you're willing to pay for the sake of not doing the work!
In our home, we've hired out for major tree work, plumbing work that we couldn't accomplish ourselves, and carpeting. All of the projects were beyond our physical capabilities or knowledge, and while hiring a professional can be pricey, we felt it was money well spent. By saving in other areas (like by DIYing the majority of our family room gut remodel), the costs don't blow our budget.
You've got a Life List – a list of things you want to accomplish. How's it coming? How did you come up with it? Do you think you'll be able to do it? Do you try and fit everything into your budget, or are you willing to splurge a little?
I was inspired to start my Life List by seeing similar lists on other websites and blogs. It's a constantly evolving list! I won't ever truly be 'done' with it, and I'm always adding to it when a new idea strikes me. I'm definitely willing to splurge when it comes to life experiences. By saving in other areas, I can really enjoy those experiences to their fullest.
Thanks for taking to time to speak with us today, Kelly. We really appreciate it. Is there anything you'd like to tell our readers before we let you go?
Thanks for having me! I always like to remind my readers that living centsibly is less about being frugal or cheap in every area of life. Living a centsible life is making smart choices so you can spend on the things that truly matter to you.
Like this interview? Check out the rest of our Interview with a Savings Expert series. Have a question for an expert or someone you want to see interviewed? Tweet your suggestions with #SavingsExperts to @CouponPal!


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A brilliantly colored, tiny, and active species of dense woodlands where it feeds at upper levels, primarily on mistletoe berries and sometimes joins mixed flocks. Easy to miss despite bright colors and flitting movements. Its blue crown, bright underparts (geographically varying from yellow green to orange), small size, and tiny bill eliminate other species. Its calls include a lively "beep" given singly or in series, a rapid "whip-ip," a rough "djip," and a plaintive "wheee." Song is a rapid jumble of tinkling, squeaky, and whistled notes.
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- everycontractorAsked on December 30, 2014 at 02:03 PM
I am using email@example.com and am only getting a all the information from the form in the text. Can you tell me how to send a text message so that the information from whole form comes through. The emails are perfect.
- seanmccthyAnswered on December 30, 2014 at 02:32 PM
Hey everycontractor,
I need a bit more information to ensure that I clearly understand what you are saying. Base on my analysis, you are trying to get alerts via text to your phone once a user submits the form on your website. Is it a case that once the form is submitted you are only getting "text" related contents such as name but numeric values (such as phone number) are excluded?
I will await your response. Hope to hear from you soon.
Best Regards,
- seanmccthyAnswered on December 30, 2014 at 02:45 PM
Hey everycontractor,
OK. Thanks for that quick feedback. You said that all the information is being sent to your email just fine. Normally when a field is excluded from a notification alert, further adjustments where made after the notification alert was configured. Did you try deleting the alert and creating a new one to see if the issue would have been resolved?
NB: I am not able to import the form for my analysis. Please provide the direct link for the form and ensure that you allow cloning by making changes in your account settings. Please reference the screen shot below on how to do so - ensure the check box is unchecked.
- everycontractorAnswered on December 30, 2014 at 03:07 PM
Here is the url for the form in question. http://certifiedmoldconsulting.com/contact-us.html
- BenAnswered on December 30, 2014 at 03:24 PM
Since you are looking to send the email as a text or sms over Verizon's vtext.com domain, you should be aware that there are few limitations on what you can do.
1. "The length of the email should be kept to fewer than 140 characters"
You can see a reference to this here: http://www.verizonwireless.com/news/article/2013/06/computer-to-phone-text-messaging.html
(Preferred Environmental Solutions)
Full Name: David Elliot
- Just the above holds 78 characters - 81 since we should count the line break characters as well.
2. Taking a look at the emails all of them are set to be sent as HTML instead of plain text, which means that a lot of other characters are sent and included, they are probably just taking the extra space while not allowing more text to be sent.
What you should do is switch the email template that is used to be sent to Verizon to be sent as a plain text.
Do note that this would still only allow you to pass only as much as:
Question Answer
Full Name: David Elliot
E-mail: email@example.com
Phone Number: 222 222 2222
Best Time To Call:
What I would suggest is to either:
1. create several templates where each would send one part of the email with up to 140 characters per it so that you are sent multiple texts on one submission, but with all the required data or
2. include only the most important data which would take up to 140 characters in length.
Do let us know if you have any further questions and we would be happy to assist.
Best Regards,
- everycontractorAnswered on December 30, 2014 at 03:24 PM
I got a text message but there were no contents
- BenAnswered on December 30, 2014 at 03:26 PM
Please take a look at my response above, seems that we have made a reply in the same time :)
Best Regards,
- seanmccthyAnswered on December 30, 2014 at 03:28 PM
Hey everycontractor,
I second what Ben said in relation to this issue. Text character limitations could be the issue here. Good catch Ben.
- everycontractorAnswered on December 30, 2014 at 03:43 PM
Thank you Gentlemen.
- BenAnswered on December 30, 2014 at 03:59 PM
Thanks @seanmccthy :)
@everycontractor You are welcome and do let us know if you need any further assistance or have any further questions and enjoy the holidays :)
Best Regards,
- abhishek tiwariAnswered on January 14, 2016 at 09:09 AM
Hi i'm builing a send email function in PHP. I just cant send email to text in vtext.com number. Can you please tell what is the correct mail format i need to use. Others for all domain(google, yahoo) my email are delivering fine.
- BenAnswered on January 14, 2016 at 10:45 AM
Hi Abhishek, please do note that this forum is about JotForm Online Form Builder. If you wish to create an email class or function that would help you to send email in your PHP script, I would suggest checking out php.net and possibly asking a question on some forum or StackOverflow.
For example a quick search there offered quite a few very good solutions: http://stackoverflow.com/questions/5335273/how-to-send-an-email-using-php
If you happen to have any questions about JotForm Form Builder, please do let us know by opening your own thread: http://www.jotform.com/contact/
Otherwise, it would be best to ask on a different website / forum that is related to the same.


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SMOK was founded in 2010 in China - Shenzhen, producing devices that everyone from electronic cigarette users to seventeen people, from professional users to fellow users, love to use. With 80 million customers around the world with its successful e-cigarette models, SMOK has quickly become one of the most popular electronic cigarette brands in the world of e-cigarettes. The SMOK company is also called "Smoktech" in some sources on the internet.
Today the company produces only electronic cigarettes. SMOK, which has signed e-cigarette models such as SMOK Alien, Al85 SMOK Q-Box, SMOK Gx 2/4, Shenzhen IVPS Technology Co. A company affiliated to Limited. SMOK, popular among many people in the short term, is especially known for mod electronic cigarette bodies. If you are looking for e-cigarettes with high steam capacity, you can opt for mod shells.
SMOK is also very ambitious in fixed watt grade electronic cigarette models, also known as vape - pen. The SMOK Stick Series produced by the firm is ideal for users looking for e-cigarettes at entry level. The range includes models like SMOK Stick Prince, SMOK Stick M17, SMOK Stick X8. If you are looking for a strong e-cigarette on steam density, you can choose different models like SMOK Alien 220W, SMOK G - Priv.
SMOK is also an ambitious company in the production of atomizers. SMOK TFV8; SMOK, which is a smaller version of SMOK TFV8 Baby, SMOK TFV12 and SMOK TFV12 Baby, is also known as the company that produces the most stable and stable TC Mode electronic cigarettes of the market.


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Why we need Medicare Advantage Plans in 2019?
As we know the medical field is becoming wider. They are using advanced tools for which we have to pay more cash for better treatment. These tools are increasing the treatment costs as well as the Medicare advantage costs.
The dangerous diseases can cause a great harm to our health if we don't get a right treatment at the right time. But with the increasing costs, the Medicare advantages are becoming difficult to purchase for the middle-class man.
Paying large Medicare advantage bills is a task of huge difficulty for the common man. The gap between Medicare costs will prevent you from taking good medical treatment. When you are suffering from any medical related health issue than having a Medicare Advantage Plan is must for you.
It is a basic need of every man who has less income and is unable to pay large hospital costs. The persons with disabilities and the men/women of age 65 are eligible to get a Medicare Advantage Insurance. We need Medicare in this age because the body is not enough strong as like in young age.
The diseases start coming because our antibodies are weak at this age. The medical help and hospital care are must for even a small health problem. Paying small bills is easy but when the hospital costs are going out of your pocket coverage, then the Medicare Advantage Plan will help you to cover this cost gap.
The main motive to adopt a Medicare Advantage Plan is to maintain your financial status with the help of an insurance policy. They can help you pay all deductibles, co-pay costs, and the advantage bills. The original Medicare Advantage doesn't cover all the Medicare services of their clients. The plan adopted from a special Medicare Advantage Insurance company will help you to improve your financial status for having any costly medical treatment easily.
So this is the reason why we need a Medicare Advantage Plan. These plans are quite helpful in our critical financial situations. Our insurance funds saved with small costs can help us in any medical circumstance. "Save money for your health care because health is more important than wealth but wealth is necessary to save our health". A bad health can occur any time, be prepared for the future payables in advance so that you have no need to borrow the funds at high interest from any lender.


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List price: $35.00Copyright year: 2006Publisher: MIT PressPublication date: 8/11/2006Binding: PaperbackPages: 296Size: 5.75" wide x 8.50" long x 0.50" tall Weight: 0.946Language: English
Daniel J. Fiorino has experience in federal regulation and innovation programs. He is coeditor of Environmental Governance Reconsidered: Challenges, Choices, and Opportunities (MIT Press, 2004) and teaches environmental and public policy at American University and Johns Hopkins University.
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Annual reports are a crucial document for both commercial companies and not-for-profit organisations. They are a public statement of key achievements over the past year, and are used to show clients and stakeholders how the business is performing. For this reason it's vital that annual reports are professional, compelling and memorable.
Read on for our five top tips on creating professional annual reports for maximum impact:
1: Professional binding
Having your annual reports professionally bound will instantly make the finish much more impressive. Your clients and stakeholders will be far more likely to share the annual report if it looks professional. You can either invest in a new or second-hand binding machine such as these, or find an external company to bind your reports for you. Considering all the work that goes into writing an annual report, it's vital to get the finish right, and having reports bound makes a tremendous difference.
2: Attention to detail
It goes without saying that your annual report needs to be thoroughly checked for any spelling or grammatical errors; the document should also be checked to ensure that all statistics and details are correct and up to date. There is nothing more unprofessional than poor grammar or spelling mistakes. If you have limited internal resource then it's well worth having your annual report externally proof read.
3: Create a strong visual impact
Annual reports can often be so full of statistical information and facts that they appear very dry and dull. Break your facts and figures up with images, quotes and graphs to keep the reader interested. The front cover of your annual report is particularly important, and there are plenty of design companies who can help to ensure that your report makes a strong visual impact. If you are outsourcing any of the design work, it's important that you make your brand guidelines very clear so that the annual report reflects the look and values of your organisation.
4: Compelling copy
An annual report tells a story; it is a summary of your organisation's key achievements, challenges and plans for the future. When writing your annual report, make sure that every section includes a personal quote or story to keep the reader involved and engaged. Avoid jargon and technical detail, and keep statistics to a minimum.
5: Invest in professional photography
Finally, hiring a company profile photographer will make a world of difference when creating a professional look for your annual report. Images are far more powerful than words and statistics, and professional photographs are instantly impressive. Consider the content of your report and include photographs which reflect the values, personality and aspirations of your company. By using a professional photographer you can brief them about exactly what you expect from your images. Including company profile photographs in your report is a perfect way to break up the more formal aspects of accounting, statistics and graphs, and will emphasise the personal and inspirational side of your business.
Your annual report is an important marketing and engagement tool, and so it's well worth investing time and money into getting it right. With professional photos, compelling copy and binding you can be sure that your annual report will stand out from the crowd.


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Thursday, April 22, 2010
Port Sorell
I am off to Port Sorell this afternoon for a long weekend with the Basketmakers of Tasmania. My bags are very nearly packed, I have my swap piece finished and placed inside a paperbag. I believe I have gathered all the supplies I will need for the workshop I am teaching on alternative paints for mixed media. I have checked the blogs I read and answered emails so now I can move into the last minute stuff. I will be sans computer till I get back on Monday. So I will hopefully post some pictures next week. That reminds where is the camera?
Posted by Trace Willans at 4:09 PM
Labels: port Sorell, workshop
1 comment:
- Red (aka Puddleduck!) said...
Hi Te!
Hope your workshop went well!
I adore your little button faced girl.....
Sandi xo
- April 26, 2010 at 3:00 PM
Subscribe to: Post Comments (Atom)


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Samsung to Join List of Vendors Offering Windows Mixed Reality Headsets
Microsoft will soon have its Mixed Reality headsets unleashed to the market. With the release date getting closer, it appears like there are more big names onboard than the ones that were initially revealed.
According to a new leak, Samsung too is planning to introduce Mixed Reality headset powered by Windows. A potential image of the device was also leaked which shows the new gear powered by headsets from AKG, similar to the ones offered by Oculus Rift.
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We know that surfing makes you hungry and we provide fresh meals prepared on order from the Joe Fish Restaurant, all really tasty and healthy meals to meet your appetite. Vegetarian & Vegan options are also available along with any other special dietary requests you may have when visiting us. (Meals included: Breakfast, Lunch & Dinner – Bottled Water supplied)
Please ask us about our full range of wetsuits and surfboard sizes that are available.
The best locally used SPF 50+ water resistant sunscreen is also provided FREE OF CHARGE! SPECIAL @ R3999.99 PER PERSON
About Our Surf Camp
All of our programs have an emphasis on safety and fun, but we also take the next step and teach our students to view the ocean with a surfer's eye so they can safely and confidently ride waves on their own. Our professional surf instructors have taught hundreds of students and can assess and address bad techniques so students can improve and move forward on their surfing journey.
All of our surf lessons, surf classes, and surf camps include the use of quality surfboards, wetsuits and gear and we are well stocked in all sizes.


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Introducing Goodviews
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Something You Should Know
Mike Carruthers / OmniCast Media / Westwood One Podcast Network
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Sometimes all it takes is one little fact or one little piece of wisdom to change your life forever. That's the purpose and the hope of "Something You Should Know." In each episode, host Mike Carruthers interviews top experts in their field to bring you fascinating information and advice to help you save time and money, advance in your career, become wealthy, improve your relationships and help you simply get more out of life. In addition, Mike uncovers and shares short, engaging pieces of "intel" you can use to make your life better - today. Right now.
in Education
© Omnicast Media, LLC 2016
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How Spaces and Places Affect Your Behavior & Why Johnny Can't Build or Fix Anything
Published June 24, 2019
46 min
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Is it okay to talk with people on a speakerphone with their permission? What about bringing a gift to a party when the invitation says: No Gifts? This episode begins with a discussion on some common etiquette mistakes you may be making – and how to correct them. http://www.goodhousekeeping.com/family/etiquette/etiquette-mistakes The space and environment you are in right know can affect your thinking, your behavior and your communication in ways you likely don't even realize. Lily Bernheimer is a researcher, writer, and consultant in environmental psychology and founding director of Space Works Consulting. She is also author of the book The Shaping of Us: How Everyday Spaces Structure our Lives, Behaviour, and Well-Being (https://amzn.to/2WXBd0X) and joins me to offer an interesting glimpse into how things like the table you sit at, the position of the chairs and the human desire for nature all affect how you think and perform in the space you are in. Summer vacation photos will turn out dramatically better if you listen to some simple, expert photography advice I discuss in this episode. There are several good tips here including the need to move closer and closer to your subject. https://digital-photography-school.com/10-photography-hacks-will-dramatically-improve-photos/ We now have an entire generation of mechanically illiterate kids according to Temple Grandin. She is a professor of animal science at Colorado State University and she was also the subject of the Emmy and Golden Globe winning biographical film. She is one of the first individuals on the autism spectrum to publicly share insights from her personal experience of autism and she is the subject and author of several books including one called Calling All Minds: How To Think and Create Like an Inventor (https://amzn.to/2N5wFWS). She joins me to discuss how so many kids today are not exposed to tools and the mechanical world of things and how this has resulted in a generation of people who can't build or fix anything. This has significant ramifications in our world including a lack of talented people in very lucrative trades like plumbing, electrical and auto repair. And that's just the beginning of the problem. This Week's Sponsors -Paint Your Life. To learn more and get a 30% discount text SYSK to 48-48-48 -Stroke of Genius Podcast. Subscribe to Stroke of Genius on Apple Podcasts, at www.ipoef.org, or your favorite podcast platform. American River Nutrition. Get your free copy of Dr. Barrie Tan's book The Truth about Vitamin E at www.BarrieTan.com/something -Capital One. What's in your wallet? www.CapitalOne.com
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Year: 2016
Category: Special edition sets, Mother's Day
Influences: There are very few things that can't be improved by a pop-up, so I dare you not to find this gift set for Mother's Day unappealing. Underneath a magnetic flap lies a laminated, laser-cut 3D plateau of gears (referencing the factory-themed relaunch campaign), flowers and leaves, with shadows, silhouettes and light, while below that is the usual Classique goodies. A complex gift set that reportedly required 25 stages of hand assembly.
Size: 50ml EDT, 75ml body lotion
Would you like to contribute pictures – either better than the ones I have or to fill in the gaps? Or perhaps you see information that is missing?
Please leave me a comment and I'll reply as soon as possible.
The JPG Collector


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I have lived in Del Mar since 1998, and have had the opportunity to learn a great deal about our coastal community. The City is facing a number of important decisions—ranging from the need to revitalize our commercial corridor to how best to manage the challenge of short term rentals.
As a former healthcare executive, I have the management, analytical, and organizational skills required to make the best decisions for Del Mar. I also listen to different perspectives, and have a collaborative approach to problem solving. These strengths will be critical in building consensus as a member of the City Council.
As a member of the Planning Commission, I'm familiar with the City's land use ordinances and permitting process, knowledge which will be extremely helpful for a new city council member.


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View Ford Escape Models in Jacksboro, TX
The Ford Escape has been known for years as an SUV that delivers a graceful, yet spacious ride that offers the convenience features to keep you entertained while offering the safety features that give you peace of mind. Inside, you'll sit comfortable with the premium seating surfaces that give you the feeling of riding in luxury without that hefty price tag that tends to come along with those other brands. Ford knows that being able to afford a great vehicle is important and we want the best for our customers which is why we stock the Ford Escape models that you need for your busy lifestyle.
The elegance of the Escape is something you can't get away from, because while it's a refined look and feel, this is one SUV that delivers on its promises of luxury without raising the price. The Escape gives drivers the best of both worlds - an SUV that doesn't compromise performance for extra space, which is why so many of our Jacksboro, Graham, TX, Bridgeport, TX, Bowie, TX, and Henrietta, TX, customers love it so much.
Be prepared to turn heads while driving the Escape, because from the outside it's as stylish and exciting as it is on the inside, which you'll have to get used to. The latest features and comforts are offered in the Escape and when you sit inside the spacious cabin you will see for yourself how this model can satisfy even the toughest customers in your family. We recommend you browse this inventory of Escape models to see which trim gives your life the best possible support that you need in this busy world. When you've located the right Escape model, be sure to visit us for a test drive and discuss your opportunities for a new Ford lease or loan within your budget.


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Please sign up so we can get you onboard, it will take a short while for your account to be approved.
When approved, you will get your own unique referral link and coupon code. From your account dashboard you will be able to see live analytics, track your commissions and see how much you are earning!
We will assign an account manager who will contact you to help set everything up and who you can contact regarding any questions you might have.
Welcome to the 2Game Team!


text: This Makes Me So Happy!September 11, 2012|In Testimonial|By Amanda ThorsonI got this in the mail last week, it made my day! Amanda ThorsonMy name is Amanda Thorson and I am a full-time photographer in Canberra, Australia. I shoot weddings, families, babies and butts. Please get in touch if you'd like me to photograph you. Related Posts VictoriaThere is nothing quite like the intimacy between a mother and child, how their…by Amanda Thorson Baby EdithMaking a baby isn't always easy, sometimes it's devastating and then while…by Amanda Thorson MemMem has the hardest breastfeeding journey I've ever heard...a year on and she's…by Amanda Thorson


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Here you get to our Quick Support.
Value-enhancing IT security
Secure your business success
In recent years, ifm services has specialised in the areas of Industry 4.0 and IT security in order to be a sustainable partner for its medium-sized customers. One thing is certain, an Industry 4.0 strategy only has completely positive effects on a company's success, as long as your data is protected. Why? Future strategies such as digitisation, the Internet of Things and Industry 4.0 and their technical innovations are leading to data being collected on an unprecedented scale and assigned value. The ten most successful and valuable companies in the world have one thing in common: their business models are based on the use of data. Their business capital is predominantly derived from the value they generate from the data they collect.
Among other things, the value of corporate data is based on the fact that companies can use targeted information to optimise their value chain, better determine the demand for their products and develop an advantage in the market to ensure their economic survival. Data is therefore now considered part of a company's capital.
However, this data can also generate greed and lead to an increased risk of becoming a target for cyberattacks. Therefore, an Industry 4.0 or IoT strategy can only be successfully implemented in the long term if data analysts and IT security experts work together. It is often difficult for companies to successfully take on this important task just with their own human resources.
With our extensive experience, we help to create and implement a preventive IT security strategy and contingency plans. Secure your business success and protect your value. We are happy to advise you!


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At ComEd, the health and safety of our customers, employees, and contractors are our top priorities. As part of this commitment, we're closely monitoring developments related to the coronavirus (COVID-19) pandemic and taking appropriate precautions.
To help families and communities recover from economic challenges created by the COVID-19 pandemic, ComEd is offering a comprehensive customer support package. Learn more here.
Adverse weather conditions, such as strong winds and storms, can injure trees and tree limbs. In turn, broken or split tree limbs or uprooted trees can damage overhead electric lines and cause power outages.
If you see a broken tree limb lying on a power line or likely to fall on a power line, do not touch it. Please report it by calling 1-800-EDISON-1 (1-800-334-7661). Always try to avoid tree limbs near power lines and do not make contact with the tree. If possible, also notify neighbors to stay clear.
If you are able to safely observe the situation, please provide the following information when you call ComEd:
Our first priority in response to any storm is to restore electric service to customers as quickly and as safely as possible, and to keep electrical facilities safe. To achieve these goals, ComEd clearance crews have specific duties which differ from customer obligations.
ComEd Responsibility: Cutting, trimming or removing trees or branches from our equipment in an effort to restore service and ensure future reliability.
Customer Responsibility: The disposal of branches, logs or other debris associated with trees damaged by storms, ice, winds or other natural causes.
Please note, ComEd cannot assist customers with the disposal of tree debris, as it would impede our crews' ability to respond in a timely manner to other power outage situations and it could also create safety concerns. If you need assistance with tree debris removal, visit TCIA.org to find local tree service companies that are accredited by the Tree Care Industry Association. There may be a cost associated with this service.
Learn more about our smart storm recovery process.
Watch the video.


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- Akeela Ali was seen performing the act on husband Fahad Bilal on July 23
- CCTV showed their children, three and five, next to them during incident
- Both pleaded guilty to outraging public decency at a hearing yesterday
- Banned from capital for eight weeks at Hammersmith Magistrates' Court
Akeela Ali and her husband Fahad Bilal (pictured) have been banned from London after she performed a sex act on him on the sofa of Westfield, west London
A pregnant woman and her husband have been banned from London after she performed a sex act on him on the sofa of a busy shopping centre.
Akeela Ali was filmed performing the act on her husband Fahad Bilal in front of her two children at Westfield shopping centre, west London, on July 23.
Both pleaded guilty to outraging public decency at Hammersmith Magistrates' Court yesterday and were banned from the capital for eight weeks.
CCTV footage shows the couple, who had travelled from Newport, Wales, at the shopping centre with their children, aged three and five.
Arlene De Silva, prosecuting, said they were sitting on a sofa on the first floor around 8pm when they engaged in the sex act.
She added: 'This went on for around 10 minutes.
They were interrupted several times by the children.'
Ali, 25, was interviewed by police on October 22 and claimed her hormones were everywhere because she was pregnant.
Ms De Silva said: 'She said they started kissing as their kids were running around playing. She said: "It just happened".
'When their children interrupted she felt what they were doing was wrong but they carried on.
'She was aware that one of the children was sitting beside Mr Bilal for a portion of the event. She said she regretted the incident and was ashamed.'
Bilal, 26, was interview separately, where he claimed the incident was a 'human mistake'.
Ms De Silva added: 'It was not that busy at the time but he knew it was a public area.
'They thought about stopping when the children interrupted but continued.'
The couple, who represented themselves, were sentenced separately.
Ali told the judge: 'I'm just quite ashamed of what I did, I'm not happy with what happened. At the time I didn't realise what I was doing, I was pregnant.
'We were sitting together, we were tired and it just happened.'
We were sitting together, we were tired and it just happened
Akeela Ali, banned from London for eight weeks after admitting outraging public decency
Bilal added: 'It was a big mistake and it was shameful.'
District Judge Elizabeth Roscoe, sentencing, told Ali: 'You understand the seriousness of this is because you are in public, your children are there, other children are there.
'Fortunately I have been told no one in particular has seen it, but you are the adult and you should know better.'
She added to Bilal: 'I'm going to exclude you from coming within the M25 for eight weeks, except for the 11 and 12 of November, to attend your immigration hearing.
'If you breach that you will be arrested and brought back to court.'
The unemployed couple must also pay a £60 victim surcharge and a £180 court charge at a rate of £10 a fortnight.


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Strathmore was started in 1961 as an A-Level College by a group of professionals, who were inspired and encouraged by Saint José Maria Escrivá, founder of Opus Dei. In 1966 the School of Accountancy opened to train accountants for Kenya, Uganda and Tanzania and in 1991 the university introduced Information Technology Courses. Over the years Strathmore University with a student population of over 5000, has become one of the most respected private universities in the region.
Strathmore Business School captures these themes in one business concept: Developing Great Business Leaders. This is in perfect harmony with the founding principle of Strathmore University: that of leading society to greater development through service to all people without discrimination.
Safaricom provides a comprehensive range of services under one roof. This includes mobile and fixed voice and data services on a variety of platforms. With annual revenues in excess of Kshs 140 billion, it is Kenya's widest 3G network with a growing fibre optic cable footprint and its most expansive WIMAX presence.
Safaricom pioneered commercial mobile money transfer globally through M-PESA, the most successful such service anywhere in the world. Launched in March 2007 as a money transfer service, it now has over 19 million customers and over 80,000 Agent outlets countrywide.
When the clock strikes midnight at the end of 2014, scientists at the UN Population Division expects that the population of eastern Africa will hit 395 million, and a decade later, it will hit 511 million people.
At least that is what they estimated in their 2013 Revision. Eastern Africa is taken to represent the Comesa region starting far north in Eritrea and Ethiopia (excluding Egypt), westward towards Malawi, Rwanda and Burundi, but excluding the Congos and as far south as Mozambique and Reunion.
What does all these data tell us? That at 395 million people, Kenya is sitting at the epicenter of the world's third largest consumer market, behind China and India, and far ahead of Indonesia, Brazil, Pakistan, and Nigeria. Even if we were to stick to the population of the East African community, we would rank as the ninth largest consumer market in the world.
Behind all the data, is a great story of the transformation of a region in Africa that has not only lived through some of the bloodiest civil conflicts, the worst of famines and tropical diseases to ever afflict mankind, but also one sitting on the cusp on an economic takeoff.
It is a complex story that involves many moving parts ranging from the shifting contours of the regional political and economic geography, Great Powers politics, to East Africa becoming the latest play in the global natural resources and commodities markets, to the emergence of a Silicon Savanna and a clash of civilizations.
The aim of the Safaricom Business Journalism Fellowship Program is help you connect all the dots and put you on a path that will allow you to do in-depth, ambitious coverage of critical issues related to the global economy and business.
As Eastern Africa starts to take its place in the world, we at Strathmore Business School realize that the need for quality journalism is more valuable than ever. That is why we have partnered with Safaricom to create a mid—career program that will allow both the entry level business journalist and the experienced generalist to explore a broad business subjects over a period of one year and put you on a path to prosperity.
This fellowship program, unlike many mid-career training programs is unique in several ways. First, its reputations stems from its regard for excellence in journalism, and that is why the most promising candidates with a proven track record will be picked for scholarships. Second, it combines the best and latest in academic research and faculty at Strathmore Business Schools and partner schools. Third, it incorporates writing workshops spread over the year and taught by leading practicing business journalists, and finally, it will feature a guest speaker program that will allow the students to interact with leading newsmakers on the important topics of the day. Finally, this is an academically rigorous program that will expect candidates to complete a minimum of 30 credit hours to earn a "Certificate in Business Journalism".
Most important, the graduates of the Safaricom Business Journalism Fellowship Program will be part of the Strathmore's growing alumnus that will allow you to forge lifelong professional relationships and friendships with your classmates.
Dr. George Njenga
Dean and Deputy Vice Chancellor, Research
Strathmore Business School,
Strathmore University
Safaricom is proud to be closely associated with Kenya's first business journalism fellowship program at Strathmore Business School.
As Kenya, and East Africa's most successful company by many measures (turnover, profit, customer base, market capitalization), Safaricom is also arguably the most closely scrutinized company.
Its business and social performance is of great interest to its large local customer and shareholder base, the government, and international portfolio investors, while the phenomenal success of M-PESA in Kenya attracts the interest of the technology and development community worldwide. Safaricom, therefore has a major interest in the quality of journalism in Kenya, and financial reporting in particular.
In an age when many news organizations no longer have the resources to tackle complex, time-consuming stories, the Safaricom Business Journalism Fellowship Program will enable journalists to develop the analytical skills needed not only to connect the dots across a wide range of complicated topics, but also to produce impactful journalism that will set them apart.
Safaricom decided to partner with the Strathmore Business School for this important project due to the fact that it has become a significant guiding force in our business community.
Through this program we hope to prepare journalists to perform a vital and challenging function in free societies: finding out the truth out of complicated situations, usually under a time constraint, and communicating it in a clear engaging fashion to the public.
Bob Collymore
CEO, Safaricom Limited


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CASE Principles of Agricultural Science - Animal (ASA) Institute
June 21 to July 1, 2020
Stephen F. Austin State University in Nacogdoches, Texas
Cost: $2,800
(fee includes training, curriculum, housing, and most meals)
You are responsible for your own transportation to Nacogdoches and meals over the weekend.
Payment Details:
Checks or Purchase Orders can be made to: Stephen F. Austin State University - Department of Agriculture
Attn: Candis Carraway
PO Box 13,000
Nacogdoches, TX 75962
Email firstname.lastname@example.com to request a W9
Tentative Schedule:
Orientation starts June 21 at 3:00 p.m.
Class will last from 8:00 a.m. to 5:00 p.m. June 22-30 (except for Saturday and Sunday - you will not have class those two days). Class will be finished by noon on the last day, July 1.
For More Information:
Contact Dr. Candis Carraway at (936) 433-2419 or email@example.com
Air Transportation:
The closest major airport is George Bush Intercontinental Airport in Houston. This airport is about 2 hours from campus.
There is a smaller airport closer. East Texas Regional Airport in Longview is about 1 hour away.
Another option would be Shreveport Regional Airport in Shreveport, LA. It is about 1 hour and 45 minutes away.
You may also want to check Love Field Airport in Dallas which is about 3 hours away or DFW International Airport which is also about 3 hours away. Sometimes you can get cheaper prices at one of these two airports than flying into Bush. There is another airport in Houston - Hobby which should take about 2 and half hours but you have to drive across Houston and deal with that traffic.
We will try to help coordinate travel from the airports. When you book your flights please send us your itenerary. We will try to let people know if there is someone else flying in around the same time so perhaps they could share a rental car or perhaps an in state participant could pick them up. If we have a large number flying into Bush or East Texas Regional about the same time we could arrange a shuttle.
About the area
Nacogdoches is a 300-year-old city known as "The Oldest Town in Texas." It's located in the heart of Deep East Texas almost equidistant between Dallas/Fort Worth, Houston and Shreveport, Louisiana. Nestled between three national forests and only a short drive from two of the largest lakes in Texas, Nacogdoches is home to Stephen F. Austin State University and has a population of 33,000. Also designated the Garden Capital of Texas, Nacogdoches is recognized for its natural beauty, creeks and trails.


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Sept. 3 (UPI) -- Detroit Tigers rookie Victor Reyes had four hits -- including his first career home run -- in an 11-7 win against the New York Yankees on Sunday in New York.
Niko Goodrum gave the Tigers their initial lead, plating JaCoby Jones on a first inning single. But the Yankees stormed back in the bottom of the opening inning. Aaron Hicks hit his 24th home run of the season to tie the game. Gary Sanchez gave the Yankees a 2-1 lead with an RBI single in the same frame.
Reyes plated Ronny Rodriguez with a double in the top of the second inning to tie the score at 2-2. Reyes returned to the plate in the top of the fourth inning, scoring Rodriguez with another RBI double to give the Tigers a 3-2 edge.
Jones doubled to score Rodriguez and Dawel Lugo later in the inning. Nick Castellanos hit a two-run homer to give the Tigers a 7-2 advantage entering the bottom of the fourth inning.
Yankees first baseman Luke Voit homered in the bottom of the frame, but Reyes answered back in the top of the sixth inning. The Tigers rookie took Yankees arm Sonny Gray yard with a solo swat to right field. Reyes' first career homer traveled 390 feet and had an exit velocity of 102-mph, according to Statcast.
The Yankees answered back in the bottom of the eighth inning, getting RBI singles from Miguel Andujar and Neil Walker, but could not close the gap.
Rodriguez plated Castellanos and Mikie Mahtook in the top of the final inning to increase the Tigers' lead to six runs. Gleyber Torres scored Hicks and Andujar on a single in the bottom of the ninth inning for the Yankees' final runs in the loss.
Reyes was 4-for-5 with three RBIs, two runs scored and a strikeout out of the nine spot in the order for the Tigers. Rodriguez went 3-for-5 with two RBIs and two runs scored in the win.
The Yankees start a three-game series against the Oakland Athletics at 4:05 p.m. on Monday in Oakland. The Tigers have a three-game series against the Chicago White Sox, starting at 2:10 p.m. on Monday at Guaranteed Rate Field in Chicago


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6 Reasons Why Moringa Is Being Praised as a Superfood
- A Rich Nutritional Profile
Moringa leaves are loaded with vitamins, minerals, essential amino acids, and more. One hundred grams of dry moringa leaf contains:
- 9 times the protein of yogurt
- 10 times the vitamin A of carrots
- 15 times the potassium of bananas
- 17 times the calcium of milk
- 12 times the vitamin C of oranges
- 25 times the iron of spinach
- Antioxidants Galore
Moringa leaves are rich in antioxidants, including vitamin C, beta-carotene, quercetin, and chlorogenic acid. The latter, chlorogenic acid, has been shown to slow cells' absorption of sugar and animal studies have found it to lower blood sugar levels. As noted in the Asian Pacific Journal of Cancer Prevention:
"The leaves of the Moringa oleifera tree have been reported to demonstrate antioxidant activity due to its high amount of polyphenols.
Moringa oleifera extracts of both mature and tender leaves exhibit strong antioxidant activity against free radicals, prevent oxidative damage to major biomolecules, and give significant protection against oxidative damage."
Further, in a study of women taking 1.5 teaspoons of moringa leaf powder daily for three months, blood levels of antioxidants increased significantly.
- Lower Blood Sugar Levels
Moringa appears to have anti-diabetic effects, likely due to beneficial plant compounds contained in the leaves, including isothiocyanates. One study found women who took seven grams of moringa leaf powder daily for three months reduced their fasting blood sugar levels by 13.5 percent.
Separate research revealed that adding 50 grams of moringa leaves to a meal reduced the rise in blood sugar by 21 percent among diabetic patients.
- Reduce Inflammation
The isothiocyanates, flavonoids, and phenolic acids in moringa leaves, pods, and seeds also have anti-inflammatory properties. According to the Epoch Times
"The tree's strong anti-inflammatory action is traditionally used to treat stomach ulcers. Moringa oil (sometimes called Ben oil) has been shown to protect the liver from chronic inflammation. The oil is unique in that, unlike most vegetable oils, moringa resists rancidity.
This quality makes it a good preservative for foods that can spoil quickly. This sweet oil is used for both frying or in a salad dressing. It is also used topically to treat antifungal problems, arthritis, and is an excellent skin moisturizer."
- Maintain Healthy Cholesterol Levels
Moringa also has cholesterol-lowering properties, and one animal study found its effects were comparable to those of the cholesterol-lowering drug simvastatin. As noted in the Journal of Ethnopharmacology
"Moringa oleifera is used in Thai traditional medicine as cardiotonic. Recent studies demonstrated its hypocholesterolemic effect.
… In hypercholesterol-fed rabbits, at 12 weeks of treatment, it significantly (P<0.05) lowered the cholesterol levels and reduced the atherosclerotic plaque formation to about 50 and 86%, respectively. These effects were at degrees comparable to those of simvastatin.
… The results indicate that this plant possesses antioxidant, hypolipidaemic, and antiatherosclerotic activities, and has therapeutic potential for the prevention of cardiovascular diseases."
- Protect Against Arsenic Toxicity
The leaves and seeds of moringa may protect against some of the effects of arsenic toxicity, which is especially important in light of news that common staple foods, such as rice, may be contaminated. Contamination of ground water by arsenic has also become a cause of global public health concern, and one study revealed
"Co-administration of M. oleifera [moringa] seed powder (250 and 500 mg/kg, orally) with arsenic significantly increased the activities of SOD [superoxide dismutase], catalase, and GPx with elevation in reduced GSH level in tissues (liver, kidney, and brain).
These changes were accompanied by approximately 57%, 64%, and 17% decrease in blood ROS [reactive oxygen species], liver metallothionein (MT), and lipid peroxidation respectively in animal co-administered with M. oleifera and arsenic.
Another interesting observation has been the reduced uptake of arsenic in soft tissues (55% in blood, 65% in liver, 54% in kidneys, and 34% in brain) following administration of M. oleifera seed powder (particularly at the dose of 500 mg/kg).
It can thus be concluded from the present study that concomitant administration of M. oleifera seed powder with arsenic could significantly protect animals from oxidative stress and in reducing tissue arsenic concentration. Administration of M. oleifera seed powder thus could also be beneficial during chelation therapy…"