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**This article was originally published on AI Business magazine**
The quest for actionable insights and answers from within vast troves of data is neverending within the modern enterprise. There's good reason for that – it is the end goal of all information work – but the process is anything but optimized. Global analytics firm Forrester revealed as much in a 2017 report, which found that more than 54% of global information workers are interrupted from their work a few times or more per month by time wasted trying to gain access to information, insights, and answers.
It's a problem that goes far beyond the limitations of conventional enterprise search technology – it's a Sisyphean challenge, thanks to the sheer volume of data being created every single second.
"As organizations in data-intensive industries strive to create value, enhance customer experiences, and differentiate themselves from their competition, they are placing demands on their knowledge workers in unprecedented ways," explains Laurent Fanichet, VP of Marketing for Sinequa. "Frequently, the data and knowledge they are looking for is isolated, segmented, and fractured. It's difficult to surface the right information at the right time to see the patterns in the data."
Fanichet has a clear grasp on the key problem Sinequa, an independent software vendor specialising in cognitive search & analytics, is trying to address. In its recent report, Forrester Wave: Cognitive Search and Knowledge Discovery Solutions, (Q2 2017), Forrester defines cognitive search as 'the new generation of enterprise search that employs AI technologies such as natural language processing and machine learning to ingest, understand, organize, and query digital content' – and, in the same report, go on to highlight Sinequa for the applications of their NLP technology in enterprise search.
The kind of cognitive search and analytics platform Sinequa offers, Fanichet explains, refers to an information system that is capable of automatically extracting relevant insights from diverse enterprise datasets for users within a specific work context. "Cognitive search brings the power of AI to enterprise search," he says. "It helps organizations in data-intensive industries to become information driven."
A recent IBM Watson report highlights the applications of cognitive search in the aerospace sector. One company uses these enhanced search capabilities "to improve supply chain visibility and reduce cycle time, saving millions of dollars on critical parts deliveries." Furthermore, the system enables aircraft technicians to search through "reams" of maintenance records and technical documentation. "Now, if a worker needs to know what's causing high hydraulic oil temperatures, the [cognitive solution] identifies historical cases with similar circumstances, finding patterns that point to the root cause of the overheating." The report goes on to note that the solution in question saves the airline manufacturer up to $36 million per year.
Cognitive search and analytics likewise has its applications in the health and pharma sector. AI Business recently spoke to Karenann Terrell, GlaxoSmithKline's first ever Chief Data and Analytics Officer, and former CIO of Walmart. She explained that a big component of what it takes to develop medicine can benefit from next-generation computing and machine learning. "Approximately 1/3 of the total cost of developing a medicine (>$2.5bn) is spent during the time it takes from identifying your target (the process in the body that you want to affect) to testing your molecule in humans for the first time," she explained. "This process can take around five years. [GSK's] goal with artificial intelligence is to reduce this time to just one year in future."
"These are just a few of the many business areas where surfacing the information from within their data can drive better decisions," Fanichet argues. He explains that cognitive search and analytics also have a range of powerful potential applications within customer service, enabling organizations to:
- Provide personalized and highly relevant communication to their customers
- Nurture customer relationships and prevent customer churn
- Improve productivity, reduce operating expenses, and gain operational efficiencies
- Minimize customer service representative turnover and knowledge loss
The Challenges Ahead for Cognitive Search
The potential use cases speak for themselves, but that doesn't mean there aren't challenges ahead for enterprises looking to incorporate cognitive search technology into their work. While working with clients, Fanichet explains, Sinequa helps them to understand that there are a set of common machine learning challenges along the path ahead. Expertise is often the first hurdle, but he maintains that there are many different types of AI implementation challenge. "Assuming that enterprises are able to resolve a dearth of expertise, there are still other challenges – most of which are specific to the type of AI being pursued."
Take supervised machine learning, where the system learns to recognize patterns by observing 'correct' patterns provided by humans. "The greatest challenge is around providing sufficiently labelled training datasets from which the system can learn," Fanichet explains. This is something Matt Buskell highlights in his '10 keys to AI implementation', recommending that following the initial loading of data and knowledge base, the system needs to go through a phase of refinement once the software has launched. "During this phase, things like gain and variance for Machine Learning, or intent training for NLP and maybe model refinement to cognitive reasoning need to be improved. During this phase, it is essential to carefully release the software and measure how well it's performing over a 6-12 week period, at the least."
Fanichet likewise highlights the obstacles unique to unsupervised machine learning, in which the system identifies existing patterns and a human determines their usefulness. "The greatest challenge is balancing the system's need for sufficient data with the proper human guidance and interpretation needed to train the system," Fanichet argues. This is as much an issue of skills and process culture as it is technical expertise, and is reflected in a recent Genpact survey of over 300 senior executives, which argues "AI cannot be implemented piecemeal. It must be part of the organisation's overall business plan, along with aligned resources, structures, and processes." Collaboration is therefore key.
Finally, there's a need to formulate clear goals and outcomes, Fanichet says. "When pursuing reinforcement learning, where the system makes many attempts and learns from the outcome to take better actions, the greatest challenge is providing the system with a defined goal and sufficient practice in a dynamic environment so that the system can effectively learn from trial and error."
Sinequa Brings the Power of AI to Enterprise Search
Fanichet believes Sinequa offer a range of unique intelligent capabilities within the analytics space:
- Robust Indexing Engine: "If cognitive search was all about matching a keyword, a single index would suffice. The best results are obtained when multiple indexes are combined, each providing a different perspective or emphasis, providing a comprehensive overview of the information available. This provides the best possible understanding of the meaning it carries."
- Enterprise Grade: "Sinequa was designed from the start to support the complexities and multiple security layers of today's enterprises. It was also designed to be immersed in diverse enterprise environments and can operate within the context of a specific industry and the language of the specific organization."
- Topically Aware: "Connecting information along topical lines across all repositories surfaces the collective expertise of the organization and makes it transparent. This is especially valuable in large organizations that are geographically distributed. By connecting people with expertise, the overall responsiveness of the organization increases."
- Natural Language Processing: "Sinequa's world-class NLP offers automated language detection; lexical and syntactical analysis; and automatic extraction of dozens of entity types, including concepts and named entities like people, places, companies, etc. It also supports text mining agenda that is integrated into the indexing engine. This enables the extraction of virtually any function, relationship, or complex concept from the content."
- Machine Learning: "Sinequa leverages ML to enhance and improve search results and relevancy. This is done during ingestion but also constantly in the background as humans interact with Sinequa. It has become an essential part of the platform since it can handle complexity beyond what's possible with rules."
- Well Designed User Experience: "Sinequa's front-end serves as an intelligent agent that employees can consult for institutional knowledge that can be readily applied to the task or situation at hand. The experience is well designed in the sense that it is aesthetically pleasing, it is understandable in that it makes use of the user's intuition, it is unobtrusive, and perhaps most importantly, it is contextual to the user's goals."
- Ubiquitous Connectivity: "Sinequa's product comes with over 160 ready-to-use connectors, all of which were developed in-house, thus ensuring consistency, quality control, and high performance."


text:
The Grain Delay mode of DDLY can be used to provide subtle, rhythmic delays, chorusing, or all out granular chaos. DDLY's ability to sync grain playback time to the tempo gives it the unique ability to generate wild textures while still keeping things locked down to the rhythm. Here, DDLY is being used as a sound design tool to "shower" a rhythmic synth part with bright, electrifying harmonics, all synced to the tempo.
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subset: commoncrawl


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Our goal behind our platform frekvencii.mk is to share, collaborate and craft the future of art and culture, but in order to explore the hidden paths that are yet to be discovered ahead of us we need to take roads and connections deeply behind, in the history of music itself, in the genres and albums that for many are only something that exists for no reason and meaning, other than being simply called "old music" that has outdated production and ways of thinking… But I strongly disagree, it's in those hidden gems that the future started shaping and rediscovering them will be a blessing for those who appreciate the mixes and influences that are to be heard here.
As Likvidator my upcoming release is more influenced on the techno side, but I will always be an illbient artist first. And that is very hard to explain to people, the very meaning of illbient itself, because it holds a broader understanding and it always lurked in the underground – making it a thing that when mentioned, people get all kind of ideas but never had a strong standing on it.
Illbient is not a genre on its own, it is more of a term explaining the influences and themes behind the production and mindset of the creator itself and that can be characterized when overviewing it technically by hearing the sampling techniques from hip-hop and blending them with wide ambient soundscapes, followed by dissonant and off-kilter effects that come from the dub culture. There are really no rules in illbient, if it is – it will sound like it. Many artists create illbient music, and they don't even know that it can be classified with this term.
The connections very much expanded from when the term originated (the combination of the hip-hop slang ill for meaning bad as in good, and ambient mixed with it), with artists from all kinds of backgrounds joining and creating music with this kind of style. Darkness doesn't have to be a part of it, but naturally in most cases it is.
1. The Bug – Seduction and Betrayal
Tapping The Conversation
WordSound 1997
Tapping the Conversation as an album was my first introduction to The Bug and the meaning of illbient. For me this is one of the hardest hitting instrumental hip-hop albums of all ages, it's so tense that you really can't play it to anyone – it totally shines at home with good sound when given the appropriate attention to it.
Of course, with knowing this gem comes great responsibility, it's an album that you play when you feel a specific way, but you'll find soon that it's the case with most of the illbient style.
The album itself is influenced by Francis Ford Coppola's film The Conversation (1974), and its not that you must watch the film to experience The Bug's auditory vision of it, but if you have or plan to watch it – you'll understand that this is the perfect soundtrack for it. The tension behind the track Seduction & Betrayal for me was a great way to start this mixtape to introduce everyone and give a taste of what's coming next.
2. DJ Spooky – Nihilismus Dub
Songs Of A Dead Dreamer
Asphodel 1996
DJ Spooky is considered as one of the founders of the illbient style. The album itself gives you a wide psychedelic influenced world that I believe set the standards for the dissonant and off-kilter part for this style. Nihilismus Dub is a wide and spacious soundscape followed by a repeating saxophone with various stereo travelling and a breakbeat hidden somewhere in the background behind the bassline. In other words, this is an amazing and trippy song, only hidden behind an album that is one of the greatest illbient releases of all times.
3. Scorn – Weakener
Logghi Barogghi
Earache 1996
Weakener is a track that hits you in the face with its direct and brutal breaks. Founded by Napalm Death members Mick Harris and Nic Bullen, it was Harris that further developed the sound and name of Scorn. With the Logghi Barogghi album, released for the infamous british hardcore music label Earache. Even though the inner story of the band is a bit controversial, this album stands strong in the dark hip-hop segment of this style even today. It's repetitive rhythms with a very prefined distortion gives it a third place in this mixtape.
4. Qaballah Steppers – Trust in Dub
Dub In Fusion
WordSound 1995
Qaballah Steppers with a specific track that always stayed in my mind. Heavy dub with muslim influenced samples themed about trust. Being vulnerable, trusting yourself, something about fear as well? A nice and honest one from one of illbients heavy oriental dubbers.
5. Scotty Hard – Smoke Damage
Crooklyn Dub Outernational Vol. 4
WordSound 2004
When researching illbient is it inevitable to come across WordSound's Crooklyn Dub compilations. In the fourth volume, this track starts with this funky vibe that reminds me of Lalo Schifrin's soundtrack for Dirty Harry. Not sonically, but it just sends me to the same world. A hip-hop influenced instrumental with spacious effects happening all around while the bass and breaks are constant and going strong.
6. Teargass & Plateglass – L'hôpital de Martyrs
Black Triage
Waxploitation 2007
I remember hearing this one for the first time. The breaks entering are so hardcore that I'd imagine if you put anything in front of them – they would destroy without a problem or skipping a beat. The aggressive breakbeat with this uncontrollable acidic synth is something that gives me the chills, and it succeeds to do that deeply into my stomach. A crazy one, intense and just proper illbient.
7. Spectre – Mayday / Nightstalker
The Illness
WordSound 1995
From one of the godfathers of illbient and head of the infamous WordSound illbient label, this is the first track from his first LP "The Illness". This one for me is this strong and phat bass, with an military-style break that destroys the enemies in front. Also very heavy on the rhythm, it totally deserves the place here as one of the best hip-hop variations of the illbient style I've heard.
8. The Curse Of The Golden Vampire
– Anti-Matter
The Curse Of The Golden Vampire
Digital Hardcore Recordings (DHR) 1998
The Curse is basically Techno Animal (The Bug & JK Flesh) including Alec Empire. The gritty distortions that are key of most Techno Animal's records are hearable here with few more stylistic signatures of Alec as well. Anti-Matter on the other hand is a track that enters with a loop that lures you into this dark world of breaks, audio effects and just hysteria that follows further. Basslines, massiveness, grittiness. Must-hear.
9. Likvidator – Intro/Grozomor
Likvidator (EP)
frekvencii.mk 2016
The intro from my very own debut EP released back in 2016, heavily influenced industrial basis and unapologetic sounds that bash into your ears, followed by a sweet, yet kind of nostalgic pads in the background, a very emotional, angry – yet calm peace that with it's machinery-like breaks evolves into this death of the machine.
10. JK Flesh – Nothing Is Free
Nothing Is Free
Downwards 2016
JK's entry with Nothing Is Free is anything but apologetic, a short introduction only shares a glimpse of what comes next – and what comes next is something that most banger tracks made for that (banging) purpose can't achieve. The same distinct prefined distortion found in the The Curse Of The Golden Vampire and most of the albums with Techno Animal is present all-around with dark scapes in the background that give this track a total killer vibe – in a good sense.
11. Badawi – Suspicions Dub
Bedouin Sound Clash
Reachout International Records 1996
On the half of the mixtape we bring Badawi into the picture. A producer with distinctive oriental style with amazing percussions, this illbient track in particular grooves for 4 and a half minutes into this eastern world of his making. Light vocals that are barely hearable appear throughout the playtime, making Suspicions Dub a mark in the more calm and hypnotizing side of illbient.
12. Shackleton – The Rope Tightens
(Badawi Remix)
Soundboy's Gravestone Gets Desecrated by Vandals
Skull Disco 2008
Badawi's remix of The Rope Tightens is an very interesting realization, and a connection I couldn't believe when I found it out. The depths of Shackleton can rarely be touched with a remix, but Badawi succeeds to flow and create his own world with a 12 minute hypnotizing remake of a legendary deep dubstep song. Around half the playtime, if already felt properly, you will feel the magical skills of the arrangement and entries of new scapes that just add to this world and make it even more realistic and haunting than before. The same intelligent patience in arrangement behind Shackleton's original tune is followed in Badawi's remix, it may even have a more interesting and calm approach than the original itself, while retaining the same space and idea behind the track. Proper tune.
13. Muslimgauze – Mullah Said
Mullah Said
Staalplaat 1998
Muslimgauze has a very broad discography, but I believe the infamous Mullah Said is a proper introduction to the illbient thematics because of the very wide ambient sounds in the background alongside the beautiful percussions he achieves to gives us on top of everything. The song progresses very calmly and it's surely more on the ambient side with local eastern vocals and sound effects appearing briefly as it comes to an end after twelve minutes of deep travelling in the East.
14. Muslimgauze – Under the Burka
Tandoori Dog
Staalplaat 1998
Tandoori Dog is a different story than Mullah Said, and I believe both albums should be included into a proper illbient introduction. This one has a strong rhythm point with the famous Muslimgauze eastern percussions flowing calmly throughout the track, with slight distorted bass and calming oriental melodies following. Reaching the end, Muslimgauze shows a glimpse of his more distorted side with a very confident bass distortion that helps end this beautiful and unique track.
15. Raime – If Anywhere Was Here He Would Know Where We Are
If Anywhere Was Here He Would Know Where We Are
Blackest Ever Black 2010
Raime along with Shackleton are my heroes in the deep dub segment. But it can not be ignored that in his early releases the illbient style presence is huge, and in this track in particular it's very evident that the intelligence of calm progression has a strong connection with many aspects of the style. The dark vibe he creates and carries throughout, again followed by Eastern oriental percussions, is something every listener should allow to hypnotize them fully.
16. DJ Vadim – Call Me
U.S.S.R. Repertoire (The Theory Of Verticality)
Ninja Tune 1996
Getting back to something in the realms of normality, in the sense of a strong and direct hip-hop break followed with an ambience that is not dark at all, but sweet and mellow with some Vadim scratches and chims from time to time. The very basic hip-hop essence with a sense of illbient style on top, this one is in the mixtape specially for the listener to take a few breaths and calm down a bit.
17. Christoph De Babalon – Opium
If You're Into It, I'm Out Of It
Digital Hardcore Recordings 1997
I've chosen the first of this spectacular dark album that shaped my understanding of what is darkness. Christoph de Babalon gives us a very haunting scape that I can put on hands with Lustmord's Stalker, making the samples that travel through the sound image he created something eerie and unforgettable – something he achieves throughout the whole album, although the breaks and crazy sample cuts take over in most of the other tracks. A breakcore dark-ambient masterpiece.
18. Biosphere – Cloudwalker II
Origo Sound 1991
Haunting and peaceful. Melody of something unsure yet reaching its point without anything able to stop it. This is Cloudwalker II, a very melodic and important track to define the other side of ambient illbient.
19. DREAD – Pyro (Version)
In Dub
Ant-Zen 2017
DREAD is the alter-ego of Lustmord, premiering with the In Dub album in 2017. Lustmord and dub have been connected since a while back, and this dark ambient magician gives us a very wide and psychedelic, calm and deep experience with the track and whole album in general.
20. Techno Animal – Needle Park
Virgin 1995
Techno Animal is the result of producers The Bug and JK Flesh mashing their styles together in this beautiful, distorted and haunting result. Needle Park is a track featuring legend Jon Hassell on trumpet and Dave Cochrane on bass guitar, where they transform the emotions of something that the title of the track itself can give you a note for, into music surrounded by a world of darkness.


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West Indies star batsman Chris Gayle. File photo/ Reuters
• Chris Gayle won the defamation case in October last year
• Gayle appeals the size of his payout, seeking an increase, court dismisses his appeal
An Australian media group on Tuesday lost an appeal against an Aus$300,000 (US$211,000) defamation payout to West Indies cricket star Chris Gayle after claiming he exposed his genitals to a masseuse.
Gayle was accused by former media group Fairfax, which at the time was publisher of "The Sydney Morning Herald" and "The Age," of exposing his p**** and indecently propositioning the woman in a dressing room during the 2015 World Cup in Sydney.
Gayle vigorously denied the allegations, claiming the journalists behind the series of stories published in the newspapers in 2016 were out to "destroy him."
He won the defamation case in October last year after jurors found Fairfax was motivated by malice and had failed to establish a defence of truth.
The publisher appealed the case arguing it did not receive a fair trial and the judge should have discharged the jury after Gayle's barrister attacked the credibility of the massage therapist.
Gayle also appealed the size of his payout, seeking an increase.
A New South Wales court dismissed both appeals.
Gayle caused a stir in Australia in 2016 prior to the Fairfax stories being published when he attempted to flirt with a presenter on live TV, asking her out for a drink and telling her: "Don't blush, baby."
After winning his court case last year, he tried to spark a bidding war for a tell-all interview, promising that "when I break this down to y'all it will be like a movie."
"Biding (sic) starts at US$300K for this interview! So much to say & I will!" he tweeted to his then 3.75 million followers.
Fairfax newspapers are now owned by commercial broadcaster Nine Entertainment, which purchased the media company last year.
Agence France-Presse
St John's: West Indies have turned to experience with the recall on Tuesday of veteran duo Sunil Narine and Kieron Pollard for the first two T20s against India next month. Explosive hitter Pollard was left out of the West Indies team for the recent 50-over World Cup and played his last T20 in India last November.
Australian cricket chief Kevin Roberts insisted the return of Steve Smith and David Warner will not disrupt the resurgent team as a report on Friday revealed senior players threatened a boycott
Reigning champions Australia made one change after a surprise 10-run defeat by South Africa at Old Trafford, with the recently called-up Peter Handscomb replacing injured batsman Usman Khawaja.
Chennai Super Kings (CSK) will look to bounce back against a rampant Delhi Capitals in their third Indian Premier League match on Friday after going down against Rajasthan Royals (RR) by 16 runs.
Road cycling's world championships start this week with Tour de France champion Tadej Pogacar eyeing the crown days after crossing the finishing line on the Champs-Elysees.
Frank Lampard said Kai Havertz is just getting started after opening his Chelsea account with a hat-trick in a 6-0 thrashing of Barnsley, while Arsenal also booked their place in the League Cup


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Dreamed 2012/3/17 by Wayan
For months I've been taking seven drugs and herbs for lifelong fevers probably caused by Lyme disease plus babesiosis ("Nantucket fever"); my list may be useful for anyone with chronic fatigue or recurrent fevers--Lyme or not.
My treatment's been working--for the first time in decades, I can control my symptoms. I worried I was missing dosages or skimping--I don't measure them carefully, just dump spoonfuls in--but today I noticed I'm running out of the bulk herbs right on schedule! I ordered 225 days ago, and I bought a pound each (c. 450) grams--so I really HAVE been taking an average of 2 grams daily just by eyeballing them. Impressive.
Insomnia at bedtime, so I read N.K. Jemison's Kingdom of Gods...
I'm on the board of a political campaign or civic organization, but I feel out of my depth among these movers & shakers in their power suits. One director, a middle-aged white guy, keeps teasing a bright nerdy woman who's the board's expert on the web and social media. She goes by the webname 2010, pronounced "Two-oh-one-oh". But he keeps saying "Twenty-ten" to annoy her. When she objects, he says "It's the same number however you say it, you pompous twit."
At last I get insulting, say "No it's not. Twenty-ten is either a date or very sharp eyesight; two-oh-one-oh is binary for ten [sic]. Your math-ignorance is embarrassing us all. It's like calling our Japanese boardmember Chinese, and defending your mistake by saying 'So what? You speak the same language after all.'"
I wake still convinced 2010 is binary for 10! Only as I write the number down does the dream-trance break: 2010 can't be binary, not with a 2 in it (and even if the notation allowed 2s, ten would be 210 not 2010). Instantly, I know "Two-oh-one-oh" was base three--trinary! Work it out: 2x27 + 0x9 + 1x3 + 0x1 = 57.
My age. Oops. She's ME.
World Dream Bank homepage - Art gallery - New stuff - Introductory sampler, best dreams, best art - On dreamwork - Books
Indexes: Subject - Author - Date - Names - Places - Art media/styles
Titles: A - B - C - D - E - F - G - H - IJ - KL - M - NO - PQ - R - Sa-Sh - Si-Sz - T - UV - WXYZ
Email: email@example.com - Catalog of art, books, CDs - Behind the Curtain: FAQs, bio, site map - Kindred sites


text:
This weekend was kind of a big deal...
That boy...
started riding his 2 wheeler!
It is a right of passage, I feel.
Remember the first time your child took his first steps?
That is what it felt like.
I left to go to Zumba and when I came home this is what I saw. I am sure some of you are thinking, "he is almost 8, he should be riding a 2 wheeler." (If you are, shut up!)
That is partly true, but the thing is...Rob and I don't have bikes and we don't have sidewalks.
So it is just one of those things we don't really do.
Saturday, he decided it was time. He hopped on and figured it out!
I am so proud of him!
(Now I am hoping Rob and I do get bikes!)


text:
Malena Morling - Non-Fiction
Central New York Books
Ocean Avenue
by Malena Morling. (New Issues Press, 1999). Part of the series
The New Issues Press Poetry
. As of July 2002, the author is listed as a visiting professor at Syracuse University ISBN: 0932826709 (hardcover, 75 pages)
Try Amazon.com
; ISBN: 0932826687 (paperback, 75 pages, New Issues Press, 1999)
Try Amazon.com
Non-fiction by Malena Morling.


text:
Spending time working on the canvas tag has given me a much greater insight as the how XUL layout actually works. I think I know enough that I can fix layout-related bugs in XUL. Actually, I did fix one, bug 214956. I'm also now familiar with parts of gfx (the graphics code), and from earlier tasks, the RDF code. One day I should sit down and update the RDF parser so that it is not only less buggy but to support some of the newer features in the latest working draft.
With regards to the canvas stuff, it is coming along very nicely. It supports all kinds of things. I'll provide a list of what it supports once I've polished it a bit more.


text:
Platoon 2 Backpack Summer Series Schoolbag Daypack Pattern F Bag
Regular price $21.99 Sale price
This collection of packpacks features Platoon 2.
Take this unique backpack and stand out.
Also with high quality and original design, this could make a perfect gift for kids and adults.
Backpack Properties
Size : height 15.7 x width 11.8 x thick 6.3 in
Weight: 450g
Material: Terylene
Capacity: For iPad and Laptop
Details: Two-way Zipper,Side Pocket,Interior Slot Pocket,Adjustable Shoulder Strap, Tough Handle
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Be the first to ask a question about this.


text:
SIPPs: Are SIPP cash investors treated as second class savers?
Posted on October 22nd, 2013 | Categories - Pensions, Retirement, SIPPs
Despite interest rates remaining stubbornly low, many SIPP investors still like to hold significant amounts of cash on deposit.
We are regularly asked why rates on SIPP deposit accounts are lower than for personal savers. We thought we'd look into this in more detail and ask "are SIPP cash investors second class savers, or is this a myth?"
Mandated SIPP bank accounts
The first problem SIPP investors have to solve is how to get the best possible interest rate from any short term cash they hold.
Need advice on your SIPP?
Contact our team of SIPP specialists today:
0115 933 8433
All SIPPs have a current account. The provider of this account is nearly always mandated by the SIPP provider and often pays little or no interest at all. This is of course partly due to the prevailing climate of low interest rates, but also because many SIPP providers keep part of the interest, which would have otherwise been paid to the account, for themselves.
We've said before we are against this practice and would like to see much more transparency, as we don't believe that most SIPP investors know their SIPP provider is using their cash as a 'secret' income source.
For SIPPs which will allow other deposit accounts to be opened there is of course a relatively straightforward solution; go open a different instant access account! But watch the additional fees which might be charged and of course this isn't an option for SIPPs which won't allow additional deposit accounts to be taken out.
Fixed rates
That deals with short term cash holdings, but what about investors who decide to hold cash in fixed rate bonds? Do personal accounts really pay a better rate?
Our research shows the differential between table toping best buy accounts grows wider for longer term fixed rates. For example, over one and two years, there is no difference between the best personal and SIPP deposit account. But over five years the best personal account pays 0.36% more than the best SIPP deposit account.
Furthermore, the recent introduction into the personal savings market of seven year fixed rate bonds from the likes of the Skipton Building Society and First Save hasn't been mirrored in the SIPP market. Although this isn't too much of a loss, the merits of a seven year fixed rate in the current climate are highly debatable anyway.
Term Best personal savings rate Best SIPP deposit account rate
1 year fixed rate 2.00% Birmingham Midshires 2.00% Bank of Baroda
2 year fixed rate 2.30% Punjab National Bank 2.30% Punjab National Bank
3 year fixed rate 2.60% Aldermore 2.55% Punjab National Bank
4 year fixed rate 2.76% Vanquis Bank 2.60% Punjab National Bank
5 year fixed rate 3.11% Secure Trust Bank 2.75% Punjab National Bank
7 year fixed rate 3.50% Skipton Building Society None
Limited choice
Whilst personal savers have a wide range of banks and building societies offering savings accounts, SIPP deposit account investors have a relatively limited choice.
Whilst the differential between the top paying personal and SIPP deposit accounts might be relatively small, the gap widens when we consider the average rates paid by the top five accounts. This proves the lack of depth in the SIPP deposit account market.
We looked at the average interest rate on the top five personal and SIPP deposit accounts and found the rates on personal accounts are higher for every type of fixed rate, with the gap widening significantly for longer terms.
Term Average of top five personal accounts Average of top five SIPP accounts Difference
1 year fixed rate 1.98% 1.88% 0.10%
2 year fixed rate 2.29% 2.17% 0.12%
3 year fixed rate 2.56% 2.40% 0.16%
4 year fixed rate 2.66% 2.31% 0.35%
5 year fixed rate 3.06% 2.54% 0.52%
So why do SIPP savers get lower interest rates?
Whilst the differential is small on short term fixed rates of up to three years, the gap widens significantly over four and five years; very popular durations for many SIPP investors who often want certainty of returns.
There are a number of reasons why the differential exists:
- Simple supply and demand; fewer banks and building societies taking deposits from SIPPs means less competition and lower rates
- Some banks and building societies believe the tax exempt nature of a SIPP means they can get away with paying lower rates
- Banks and building societies see SIPP money as 'sticky', once it's in a pension it can't move out, with the obvious exception of buying an Annuity. Furthermore, institutions believe that a cautious investor will always be so and therefore tend to use deposit accounts rather than looking at alternatives
So, are SIPP deposit investors treated as second class savers?
For instant access and fixed rates of up to three years the answer is probably not, but for longer term fixed rates, then we have to say probably yes.
Whatever term you choose, it is true to say that there is less choice of deposit accounts which can opened within a SIPP, compared with those available for personal savers.
We at Investment Sense keep in close contact with deposit institutions, and support the principle that there should be no difference in the treatment offered to depositors, whether personal or through a SIPP.
We will continue to campaign for a wider choice for SIPP cash investors, as well as trying to persuade the wider SIPP industry to be more transparent when it comes to the interest they retain from the mandated SIPP account.
Do you have a SIPP? Are you using deposit accounts?
Our team of Independent Financial Advisers are experienced in advising SIPP investor's and are here to help you.
If you would like advice on your options call one of our IFAs today on 0115 933 8433, alternatively enquire online or email firstname.lastname@example.com


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London - Manchester United manager Louis van Gaal was frustrated to see two points slip away after his side's 1-1 draw with Chelsea at Stamford Bridge on Sunday.
The Red Devils took the lead just past the hour mark thanks to a superb strike from Jesse Lingard, but a late assault from the Blues saw Diego Costa bag an equaliser in the first minute of added time.
"I think we played a superb game until the last quarter," van Gaal said. "It is deep frustration for me because we were the better team. Again, we did not win and we had the chances but we did not win.
"We did not keep the ball and we did not play the attack in the way I think we have to do. We were unlucky that we got the goal against us, it was unbelievable. We did not reward ourselves.
"It is because of Chelsea pushing with long balls and more aggression, but nevertheless you have to keep the ball and we have to be composed when we defend. We have to make sure we are not kicking the ball away without any meaning.
"The defensive organisation, you have to be composed. When you can control the ball, you have to control the ball and then you can play it out, not just kicking the ball away and then the next attack of Chelsea is there."
The stalemate was a missed opportunity to gain two more points on neighbours Manchester City, who are now just six points above them in the fourth and final Champions League place, while wins for the top three saw them extend their lead.
"When your aim is to be third, second or first then you need to win because the gap is already big and the gap is now bigger than before and that is not good," the Dutch coach added.


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From my early childhood through my adult life, I have spent many hours outside working in the yard with plants, hiking and camping in national forests, and exploring foreign cities. I observed there is much beauty and detail within the physical world we pass by every day and never notice. The incredible patterns, lines, shapes, and textures defining our environment have become a primary basis for my Biomimicry series, drawing attention to parallels between natural and man-made objects. Items found on the beach such as seashells, upon closer inspection, have similar lines and structures to staircases. Conical shells follow the vortex curve of spiral steps, while clam and scallop shells mimic the repetitive pattern and curves of a grand staircase.
Incorporating field notes and photographs together with imagination, layering, and unusual combinations, my work highlights less obvious relationships into a seamless composition to force a visual comparison. Each piece tells a story using various perspectives from microscopic to the panoramic. Manipulating visual information from my life experiences and study in nature is the starting point. Each layer of an image becomes more abstract focusing on line, shape, and texture to make a cohesive visual contrast.
Through intaglio printing, monoprinting, and book art, I create a window into the similarities often overlooked. The process of drawing and tracing the images over and over allows my eye to focus on the connections between the natural and man-made objects. Through the progression of re-drawing I simplify and compare attributes such as leaves and boats, both of which have bilateral symmetry and strong rib structures. In the sequence of printing layers of colors the man-made and natural objects begin to converge illuminating the comparison.


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Course Title: Implement goal directed care planning
Part B: Course Detail
Teaching Period: Term1 2014
Course Code: HWSS5716C
Course Title: Implement goal directed care planning
School: 365T Global, Urban & Social Studies
Campus: City Campus
Program: C0045 - Vocational Graduate Certificate in Community Services Practice(Client assessment & case management)
Course Contact : Bronwyn Tanti
Course Contact Phone: +61 3 9925 9079
Course Contact Email:firstname.lastname@example.com
Name and Contact Details of All Other Relevant Staff
Nominal Hours: 75
Regardless of the mode of delivery, represent a guide to the relative teaching time and student effort required to successfully achieve a particular competency/module. This may include not only scheduled classes or workplace visits but also the amount of effort required to undertake, evaluate and complete all assessment requirements, including any non-classroom activities.
Pre-requisites and Co-requisites
None required.
Course Description
This course describes the knowledge and skills required to plan care for clients through provision of services and resources aimed at maximising and enhancing their independence and quality of life. This course may apply to work in a range of community sector contexts where high level care planning skills and knowledge are required.
National Codes, Titles, Elements and Performance Criteria
National Element Code & Title:
CHCCM702B Implement goal directed care planning
1.Undertake care planning to address identified client needs and goals
Performance Criteria:
1.1Work with client to identify realistic and relevant goals as a basis for care planning
2.Implement care plan in conjunction with relevant others
Performance Criteria:
2.1Seek and obtain person's consent before undertaking any referrals
3.Monitor implementation of client care plan
Performance Criteria:
3.1Regularly monitor planned services, support and resources against client-identified goals to ensure effective implementation of their care plan
4.Undertake review of care plan
Performance Criteria:
4.1Respond appropriately to informal monitoring of health and well being of the person and/or their carer by volunteers, carers or family
5.Respond appropriately to diversity
Performance Criteria:
5.1Ensure care planning for CALD and Aboriginal and Torres Strait Islander clients is culturally sensitive
6.Respond appropriately to people with different levels of need including those with complex needs
Performance Criteria:
6.1Facilitate access to assessment for people with different levels of need including those in complex circumstances and identified as having high levels of need
7.Evaluate client outcomes
Performance Criteria:
7.1Undertake periodic evaluation of care planning based on analysis of outcomes
Learning Outcomes
On successful completion of this course you will have developed and applied the skills and knowledge required to demonstrate competency in the above elements
Details of Learning Activities
You will be involved in learning activities in a day long workshop. Activities will include group discussions, critique of reading material and self-reflection exercises. Reflecting on your own work context is a significant aspect of this course, and you will be given opportunities during the workshop to discuss and think about your practice.
Teaching Schedule
|There are 10 workshops scheduled for this program. Workshop 4 covers this unit.
|Explanatory Notes
|Unit(s) of Competency
|Case management of complex cases, including risk assessment and response
|May 2014
|This workshop explores knowledge and skills required to plan care for clients through provision of services and resources aimed at maximising and enhancing their independence and quality of life. Complex situations to be explored include unemployment, financial distress, homelessness, or drug or alcohol misuse, disability, mental health, child abuse and domestic violence.
CHCCM702B: Implement goal directed care planning (E1, E2, E3, E4, E5, E6 and E7)
Learning Resources
Prescribed Texts
None required
Other Resources
A set of readings will be made available to you prior to each workshop. These readings will be available in Blackboard.
Overview of Assessment
Assessment for this course is based on a written case plan for a client.
Assessment Tasks
This unit has been clustered (grouped) for assessment. For this unit CHCCM702B – Implement goal directed care planning you will be required to complete the relevant sections of one assessment task as described below:
Case Plan Task: for this course you will be required to write a case plan for a client. Your case plan will outline goals, objectives, activities to achieve goals, timelines and responsibilities, and others involved. You will need to describe and critique how you undertook the initial and ongoing client assessments, from the first stage of determining eligibility, priority and need for services as part of a case management process or as part of an assessment service.
Further details of how assessment tasks are mapped to individual units of competency are available from the Program Coordinator.
Assessment Matrix
The assessment matrix demonstrates alignment of assessment tasks with the relevant Unit of Competency. These are available from the Program Coordinator. This program in delivered in accordance with competency-based assessment, grades include:
CA: Competency Achieved
NYC: Not Yet Competent
DNS: Did Not Submit for assessment
Other Information
Assessment Tasks Submission Cover Sheet
You must complete a submission cover sheet for every piece of submitted work, including online submissions. This signed sheet acknowledges that you are aware of the plagiarism implications.
It is strongly advised that you attend all workshops in order to engage in the required learning activities, ensuring the maximum opportunity to gain the competency.
You will receive verbal and written feedback by teacher on your work. This feedback also includes suggestions on how you can proceed to the next stage of developing your competency. Information regarding student feedback can be found at: http://www.rmit.edu.au/browse;ID=9pp3ic9obks7
Student Progress
Monitoring academic progress is an important enabling and proactive strategy to assist you to achieve your learning potential. The student progress policy can be found at:
Special consideration Policy (Late Submission)
All assessment tasks are required to be completed to a satisfactory level. If you are unable to complete any piece of assessment by the due date, you will need to apply for an extension. Information regarding application for special consideration can be found at: http://www.rmit.edu.au/browse;ID=g43abm17hc9w
Academic Integrity and Plagiarism
RMIT University has a strict policy on plagiarism and academic integrity. For more information on this policy go to Academic Integrity Web site: http://www.rmit.edu.au/browse;ID=kw02ylsd8z3n
Course Overview: Access Course Overview


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Home > Duracell > Hand Torches
The Duracell CMP-5 LED torch is part of the Compact series and measures only 104.5 mm in length, offering a maximum output of 60 lumens from 14 super clear LEDs.
Powered by three AAA alkaline batteries, the CMP-5 has a run-time of up to 9 hours and can shine up to 24 metres. The light is turned on and off with the clicky button on the tail of the torch.
The aluminium body protects the inner components of the torch and is also water resistant. The main body is rubber coated for a non-slip grip.
Supplied with a lanyard for easy transport.
Technical Details
Operating Modes: On / OffLuminous Flux: Up to 60 lumensLamp: 14 x white LEDsBatteries Required: 3 x AAA alkaline (included)Beam Range: Up to 24 mRun Time: Up to 9 hoursOverall Length: 104.5 mmWeight: 100 gramsBody Colour: Black with gold tail capBody Material: Aluminium with a rubberised gripSwitch Type: Tail cap clicky switchEnvironmental: Water resistantWarranty: 1 yearRegulatory Compliance: CE / RoHS
Packaging and Contents
Supplied in retail packaging and includes:Duracell CMP-5 LED torch x 1Duracell AAA alkaline battery x 3Lanyard x 1
Duracell Plus AAA batteries are multi-purpose alkaline batteries with up to 50% more power*, ideal for reliably powering everyday devices that require a kick of additional power.
Organise and store your AAA batteries in this Storacell hard plastic caddy. These holders were originally designed for pilots, but they are also great for camping, boating, travel or at home. [More details]
Love this torch, fantastic value.
Receive a great FREE GIFT from Torch Direct
To qualify simply spend over £50 with us, on any one order, minus any delivery fees.You will then receive an Xtar LED Key Ring Torch completely FREE!
We have been a Duracell stockist since 2008
Duracell is the world's leading manufacturer of high performance alkaline batteries, speciality cells and rechargeable batteries. Since its foundation in the early 1940s, the company has become an iconic personal power brand, trusted for compact and longer-lasting batteries. And at the heart of it all has been the Duracell Bunny. We have always stocked the Duracell batteries due to their reliability and we always recommend you use Duracell batteries to power your torches.
Please complete the form below if you have a trade enquiry
The Duracell WKL-1 work light can be used as a hand-held torch with the spotlight LED or to light up more area it can be used as a work light with eight SMD LEDs offering a maximum output of 235 lumens.
Coast Extreme Performance AAA alkaline batteries are designed to maximise the performance of all types of hand held and head lamp devices. They deliver top-rated power to outperform the competition and are perfect for use in the workplace, at home or on the go.
The Coast G9 LED inspection torch has a great combination of bright light, compact size and low cost. With a beam distance of 38 metres, the G9 provides a uniform beam with a crisp edge.
The Coleman BatteryGuard 75L is a compact and lightweight torch, with a maximum output of 75 lumens. The torch is operated with the two stage slide switch on the neck of the torch.
These AAA 900 mAh rechargeable batteries are made from nickel metal hydride (NiMH) that guarantee consistent performance even after continued recharges.
The Duracell CMP-8C LED torch is part of the Compact Pro series and offers a maximum output of 300 lumens from a 5 W high intensity LED. Powered by three AAA alkaline batteries, the CMP-8C has a run-time of up to 2 hours, 30 minutes on the high setting and can shine up to 143 metres range.
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We accept all major credit and debit cards securely
9.00am - 5.00pm, Monday to Friday
We accept all major credit and debit cards


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Don't let someone dim your light simply because it's shining in their eyes.
How to escape the prison of your own mind? Eckhart Tolle
Can you remember who you were before the world told you who you should be? Charles Bukowski
You have to leave the city of your comfort and go into the wilderness of your intuition. What you will discover will be wonderful. What you will discover is yourself. Alan Alda.
The biggest concern for any organization should be when passionate people become quiet. Tim McClure
What I hear I forget, what I see I remember, what I do I understand- Confusius
If a flower doesn't bloom, you fix the environment in which it grows, not the flower itself. Alexander den Heijer
Give me six hours to chop down a tree and I will spend the first four hours sharpening the ax. Abraham Lincoln
The secret to having it all is believing you already do. Unknown
If what you were looking for was where you've been looking, chances are you would've already found it by now. Cheri Huber
Insanity: doing the same thing over and over again and expecting different results. Albert Einstein
Integrity is doing the right thing even when no one is watching. C.S. Lewis
The cemetery is the richest place on earth, because here you will find all the hopes and dreams that have never been fulfilled, the books that have never been written, the songs that have never been sung, the inventions that have never been shared, the remedies that were never found just because someone was too scared to go the first step. Les Brown.


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Junior Brittani Park participates in graphic design, drawing classes, plans to pursue a career in graphic design
During high school, students get the opportunity to choose activities and classes that interest them. For some students, they may choose to fill their schedule by taking woodworking classes, while others may prefer to take music classes.
Junior Brittani Park has chosen to use some of her electives to pursue her interest in art.
"I can't remember a time when I didn't love art or making things and being creative," Park said.
Park has taken art exploration, graphic design and drawing.
"I loved taking both graphic design and drawing," Park said. "I can't choose which class is my favorite."
While Park enjoyed taking both graphic design and drawing, she doesn't have a favorite project. Park enjoys making the projects but is a perfectionist and can always find flaws in her artwork after it is completed.
"Honestly, I usually don't personally love anything that I do," Park said. "I enjoy creating but after they're done I find mistakes and things I could've done better. Nothing I've done is ever perfect."
Even though minor flaws can be annoying, they haven't stopped Park from doing what she loves.
"Being creative and expressing myself through things that are beautiful is important to me," Park said.
Park hopes to incorporate her passion for art into her future career.
"I want to pursue graphic design," Park said. "Finding a practical career that will support you while still doing art that you love is hard but I think graphic design is a really good medium."
Alicia Feyerherm is a senior, and this is her fourth year in Newspaper. She is very honored and excited to be in the role of Editor-in-Chief this year....
Brittani Park is a senior this year and this is her first year in Newspaper. Brittani's favorite things are people, music, art and the color yellow. She...


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Three explorers wander through a post-apocalyptic desert to find a way to save the people in their village. A dark, twisted tower has been pushed up from the depths of the Earth… but does it hold the answers they seek? Astalon: Tears Of The Earth is LABSworks' love letter to the games of the 80s, but what may seem like a simple action platformer has several surprises under the hood! Use the unique skills and personalities of three different characters to explore an evil tower. Defeat terrible monsters, find powerful items, and solve puzzles, reaching new heights in the tower with every attempt. Strengthen your party and change the rules by embracing death… and discover the countless secrets of the world of Astalon!
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"For me, there is no such thing as a negative experience. "
-Dr. A.P.J ABDUL KALAM
Every talent must be appreciated. On this vision, Fine arts club of Tamilnadu College of Engineering was started. This is the platform where new talents come up and to showcase them. It's not about winning or losing but it's about courage to show our self to others and get appreciated. Every human needs motivation to do anything. Here it's easy to motivate others and get motivated by others. Here we get suggestions and advices and contacts from experienced persons also. This club helps to shape our talent and uniqueness also make our path in right way.
To encourage the talented students and also to entertain the whole campus with extra-curricular activities such as music, dance and so on.


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Since beating Arsenal at the Emirates in May 2016, Barcelona, surprising as it may sound, have been winless in away European knockout ties. Tuesday evening at the Groupama Stadium made it six away CL KO games (losses against PSG, Atleti, Roma and Juve; draws against Chelsea and OL) without victory for the Catalan giants as they failed to find the back of the net against Olympique Lyonnais.
Ernesto Valverde pushed Sergi Roberto into midfield and gave Nelson Semedo a start at the Groupama Stadium. Barca had 25 shots, but could not find a way past Anthony Lopes.
Luis Suarez's goal drought away from home continued- the Uruguayan has now gone over 1500 minutes without an away European, and his poor performance is reflected in these player ratings from Mundo Deportivo. He was also the lowest ranked Barca player in the French media, getting just a four from L'Equipe. Suarez's last away goal in Europe came in September 2015 against Roma.
Like L'Equipe, MD also thought Barca's best player on the evening was Marc-Andre Ter Stegen.
Fans will still expect the Catalans to progress at home in three weeks' time. Barca have won three of the last four European KO ties which they drew in the first leg, and should be expected to complete the job against Bruno Genesio's men at the Nou Camp.


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Connecting your business online can bring a lot of benefits. You can reach audiences who were not interested in your business at first, visitors can come in easily when they see your details on your website, and of course, they may even visit you because of positive reviews.
However, for a batch of positive reviews, you may get a negative review. One negative review may be overshadowed by a handful of positive reviews but, negative reviews can pile up if you don't keep track of them. You will need tools to monitor all reviews, good or bad.
Why Should You Care About Your Online Reputation?
As a business owner, your company is connected to the internet in some form. You might even find feedback on your business that doesn't shine a good light on you. Users can simply type in your business' name and they will probably find some form of review.
People put in the effort to write reviews about you only in the light of 2 experiences: either they absolutely loved you, or they absolutely hate you. Whether a review is good or bad will depend on the customer. How do you clean up your business' reputation online? And do you maximize the power of the internet to convert detractors to supporters?
A study by BrightLocal shows how many online reviews can influence a customer to visit a store.
- 95% of Consumers aged 18-34 read reviews about local businesses
- A typical consumer would read 10 online reviews on average before they feel like they can trust a local business
- Reviews older than three months are considered irrelevant by 85% of consumers.
Imagine that! Customers read 10 reviews before they can trust a business. What if the majority of those reviews were negative? Here are a few tools that can help you fix your online reputation.
Tools to Monitor Your Reputation
1. Google Alerts (Free)
Google Alerts is a simple, easy to use tool that can help you keep track of where your business is being mentioned. Simply enter a topic you wanted to be alerted about and, you'll receive notifications any time your chosen topic is mentioned online. For example, I want to keep track of the word Nike.
You enter the term Nike on the search bar and click on the Create Alert button and, you will receive a notification on the topic. Every time you're a business is mentioned in an article, you'll receive an alert from Google. The topic can be positive or, in the worst-case scenario, you may receive a positive review.
Using Google Alerts, you can keep track of where your business is mentioned. You will be able to thank a customer for a positive experience and clarify details with customers who had a negative experience.
2. Talkwalker Free Social Search & Talkwalker Alerts (Free)
Similar to Google Alerts, Talkwalker serves a similar function and helps you track different social trends mentioning your business from hashtags to online reviews. What makes Talkwalker different is that the tool gives you a deep dive on reviews regarding your business. Google Alerts simply alerts when your business is mentioned.
Talkwalker Free Social and Talkwalker Alerts are freemiums with advanced features available to paid subscribers.
3. SentiOne (Paid)
Sentione acts like a social media tracker that you can use to discover what has been said about your business online. You can monitor Brands, Social Media Profiles and, Other topics all on the front page.
The tool can be overwhelming so, you have the option to filter results between negative or positive mentions. Having the option to filter your mentions helps you clean up any negative posts you may have.
All these tools come at a price though. You can start out with a 14 Day Free Trial and proceed with a paid plan that starts at $299 per month.
4. Reputology (Paid)
Reputology is a paid tool that helps you keep track of reviews instantly on different platforms such as Google My Business, Facebook, Hootsuite and more. All you need is Reputology to see the different reviews of your business on multiple websites and respond to them in one place.
This tool is very helpful for businesses with more than one location because you no longer need to scour different review sites to respond to complaints.
The tool mostly caters to businesses in the hospitality, dining, health, fitness and, real estate industries. Pricing for Reputology starts at $29-$49/month/location for businesses with only one location and $10-$49/month/location for businesses with multiple locations and more.
The best feature of the tool is that it allows you to manage your reputation all in one place versus having to log in to different listings to reply to your audience in each platform.
5. Review Push (Paid)
Similar to Reputology, Review Push also helps businesses with multiple locations monitor their reviews on social media and popular review websites such as Yelp and Foursquare. What makes Review Push unique is the fact that you can respond to reviews immediately from the inbox.
Recommended: How Small Business Owners Can Get More Positive Reviews Online
The tool also helps you keep track of ratings in one place. Say you have multiple branches of your business. The example below shows the different ratings for each store. You can see what you can improve on for each branch and determine what to do next.
However, like Reputology, the data comes with a price. You can get a 21-Day Free Trial or a Price Quote that you have to inquire directly from the website.
6. Reputation Ranger
While previous tools serve a multitude of industries, Reputation Ranger focuses on a specific niche catering to restaurants and bars, hotels and travel, automotive sales and services and, plumbers and home contractors.
Other tools monitor more than one social media site while Reputation Ranger focuses only on Facebook and industry-related sites for making reports and alerts for business owners. The tool mostly serves small businesses while tools such as Reputology cater to large-scale businesses like gyms and restaurants.
Like the previous two tools, it allows you to respond to feedback right within the platform so no need to login to your different listing accounts.
There is no information available regarding pricing on their website.
7.Meltwater (Paid)
For the bigger businesses looking to fix their online reputation, Meltwater caters to large-scale companies such as the Changi Airport in Singapore and Fred Perry clothing. Other tools only track company reputation from social media and review websites.
Meltwater tracks entire media sources because the tool began as a service that looks for press clippings about clients. The tool isn't just used to fix online reputation, Meltwater is a total Public Relations service.
Because Meltwater is catered to large companies, there is no direct pricing available. You will have to contact the company for a demonstration and price details.
If you've put your business online, it is inescapable that both customer (people that pay you) and users (people that interact with you but haven't necessarily paid you yet) will eventually leave their opinions about your business or your brand.
The internet has made the voice of the customer stronger than ever. If you're brand genuinely adds value to your customers and offers value first to your users, then receiving and responding to comments will as a general rule benefit your business.
But if you're online and you're not ready to interact with your customers in the digital space, you may need to question your digital readiness.
The internet has made 2 things true: 1. The customer's voice has gotten stronger, and 2. only the brands that are ready to accept and adapt to this will thrive in the new digital economy.
Dan Smink is the founder of C1 Partners , a Denver SEO company that helps small to medium enterprises with their digital marketing strategy. Dan comes from a background of 20 years in business leadership and has a track record of helping businesses achieve million dollar revenue values. He is an active community leader and a contributor to the Forbes.com's Agency Council spreading the word on how digital strategies can make a positive impact on today's businesses.


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Despite the fact that this DVD has a terrible cover, I was bound to hire it because it featured the one and only LEELEE! – an actress who has never failed to impress me but has yet to make the big time.
Her pairing with Albert Brooks in My First Mister is fantastic. These two work wonderfully together. You can tell Brooks is an old hand at acting, and whilst Sobieski's character starts out being an aggravating snob, she too shines in this very gooey yet rewarding film.
There is an amazing supporting cast here also. Carol Kane, John Goodman and Desmond Harrington appear in small roles that help give this film a stable base upon which to manoeuvre. Harrington is obviously breaking the mould by appearing in a film that isn't a thriller (Ghost Ship, The Hole), so bully for him.
I'm not sure why this film has such a bad title, and I'm amazed that any studio execs thought that it would sell the film. They apparently didn't have much faith in this film performing well in Australia, as it bypassed the cinemas and slid onto shelves quietly (and in no great number) quite a long time after it was made. My First Mister is a good solid piece of drama, however, and definitely succeeded in tugging at my heart strings.Rating:


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Swiss cheese and a little diced ham give this casserole extra flavor. Serve this casserole with sliced fresh tomatoes or a tossed salad for a fabulous family meal. Leftover croissant crumbs or toasted breadcrumbs would also make a great topping for this dish.
- 8 ounces pasta
- 3 tablespoons butter
- 3/4 cup onion (chopped)
- 3/4 cup celery (chopped)
- 1 cup ham (cooked, diced)
- 3 tablespoons flour
- 2 1/2 cups milk
- 1/2 teaspoon dried marjoram (or thyme)
- 1 teaspoon salt
- 1/8 teaspoon ground black pepper
- 2 cups Swiss cheese (shredded)
- 2 cups turkey meat (cooked, diced)
- Topping:
- 1 cup soft breadcrumbs
- 1 tablespoon butter
- Optional: 1 cup frozen peas
- Optional: 1 cup carrots
Steps to Make It
Gather the ingredients and preheat oven to 350 F.
Grease a 2-quart baking dish.
Cook pasta (you can use mini fusilli or farfalle, macaroni, or other shapes) in boiling salted water following package directions. Drain, rinse and set aside.
Heat butter in a large skillet and saute the onion and celery over medium-low heat until softened.
Add ham and stir in flour until well combined.
Gradually stir in the milk until thickened. Add marjoram, salt, and pepper. Stir in the cheese, turkey, and peas and carrots, if using.
Add the cooked pasta and blend thoroughly. Spoon the pasta mixture into the prepared baking dish.
Combine breadcrumbs with 1 tablespoon melted butter; sprinkle over the top of the casserole.
Bake for 25 to 30 minutes, until bubbly and the topping is browned.
Serve and enjoy!
Recipe Tags:


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Construction:Neck Through
Body Wood: Basswood
Neck:3 Piece Maple with Quatersawn Center
Tuners:Sperzel Tuners
Factory Strings:D'Addario 10-46
Bridge:Official Floyd Rose
Neck Pickup:EMG 707TW
Bridge Pickup:EMG 81-7
Controls:1 volume, 1 tone and 1 three-way toggle switch
Hardware Color:Black
Color: MASSACRE FADE
Scale/Length 25.5″
a: Width at Nut 48mm
b: Width Last Fret 68mm
c: Thickness 1st Fret 19mm
d: Thickenss 12th Fret 21mm
Radius 16"
Fully hand crafted in our Canadian shop, top quality craftmanship using premiuim woods and the best tools. Attention to detail and the utmost of care.
Winner of the prestigious Guitar World Platinum Award for Quality and design.
Free shipping anywhere in Canada and the continental USA.


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Re: Need info about a Purple Heart from WWII
In reply to:
Re: Need info about a Purple Heart from WWII
Denise Simmons 4/10/07
Several points I would like to place on the table.Denise Simmons did not provide a reference identifying circumstances which do not qualify the Purple Heart.
According to AR 600-45, dated 22 September 1943, and 3 May 1944, severe frostbite warrants the Purple Heart.
Applying guidelines after the fact (in this case a wound occurred during WWII) is a violation of the U.S. Constitution.Simply put, applying a circumstance from a guideline or law, after the act is not permissible.


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Industrial Alliance Celebrates the First Anniversary of its Listing on the Toronto Stock Exchange
The Company Makes a Positive Assessment of the Growth of its Shares
Quebec City,
News Release
February 10, 2001 marks the first anniversary of Industrial-Alliance Life Insurance Company´s (Industrial Alliance) official listing on the Toronto Stock Exchange. This listing marked the end of the demutualization process, which Industrial Alliance initiated at the beginning of 1999. The Company has made a positive assessment of its first year as a capital stock company and the progress of its shares.
"The 158% increase in the value of our shares in 2000 represents the second best market performance among the newly listed companies on the Toronto Stock Exchange," pointed out Yvon Charest, President and Chief Executive Officer of Industrial Alliance, with great satisfaction. "This growth shows how pleased the financial markets were with our performance and our development strategy. Investors have recognized the Company´s high and consistent profitability, the strong growth of its operations, the diversity of its profit and growth sources, its multiple distribution strategy, its strong regional brand names and the Canada-wide diversity of its operations."
Industrial Alliance´s shares began trading on a when-issued basis on February 3, 2000. The initial selling price was $15.75 per share. Under the demutualization process, some 700,000 policyowners shared the benefits of conversion – almost $600 million – in the form of cash or shares, according to their choice. On February 10, 2000, the official signal was given to open trading on the Company´s shares at the Toronto Stock Exchange.
Several events have marked the development of Industrial Alliance´s shares in the last year.
- The Company´s shares, which have risen almost continuously since their issue, took three major leaps during the year 2000: in mid-August, when the Company´s second quarter financial results were published, in mid-September, when the inclusion of the shares on the TSE 300 index was announced, and in mid-December, when the Company disclosed its embedded value, a first for a Canadian life insurance company.
- On September 20, Industrial Alliance´s shares were included on the TSE 300, TSE 200 and S&P/Canadian MidCap indices.
- Industrial Alliance paid a first dividend following the publication of its third quarter results. The $0.15 dividend per share was 26.2% of the net earnings per share for the last twelve months on a pro forma basis.
- When the markets closed on December 29, 2000, Industrial Alliance's share was trading at $40.65.
- Today, Industrial Alliance´s market capitalization is $1.4 billion and the Company has some 110,000 shareholders. The company is among the 100 largest companies on the TSE 300.
"My satisfaction with our conversion into a capital stock company does not simply come from the fact that we successfully completed this important operation for Industrial Alliance´s future," asserted Yvon Charest. "It also comes from the fact that the Company was able to complete this conversion while maintaining and reaching the financial performance and solidity objectives it set for the year 2000."
The Industrial Alliance Group is among the most solid financial institutions in the country, where it exercises leadership in the fields of insurance and financial services. The Group has operations across Canada through the parent company, Industrial Alliance (Sillery), and its subsidiaries, including IA Pacific Life (Vancouver) and National Life of Canada (Toronto). The seventh largest life insurance company in Canada, the Group has close to $14 billion in assets and managed funds. The parent company´s Internet address is: www.inalco.com.
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Tomorrow (Tuesday, February 13) Industrial Alliance will publish its financial results for the fourth quarter of 2000 and for the year 2000.
For information:
André Ménard
Director, Public Relations
Tel. (418) 684-5000, extension 5286


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Magnesium or chloride, sold under the brand name Acid concentrate 2185, is not used to treat high blood pressure. One drug that may unwittingly put a person assessed at risk comparison of abuse or addiction is magnesium as chloride, a drug under the brand and name Acid concentrate d12316.
The voting district court granted takedas request for benefit a temporary restraining order, preventing hikma from selling Acid concentrate 2185 and from launching a generic potassium chloride addition product. The adverse reactions listed below reflect both clinical experience either with Polyethylene glycol 3350, sodium chloride, sodium bicarbonate concentration and potassium chloride with lemon flavor, and constantly consider other conditions adverse reactions that are known from clinical trials and the postmarketing safety surveillance with oral potassium chloride.
The study was funded by novartis pharmaceuticals corp. which makes potassium chloride. In reporting positive results from a rotary phase iii study adaptation of oravescent metyrapone, novartis pharmaceuticals corp. said it faced is on track to submit a new fertility drug application to the fda next following quarter.
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'Get It Together, Congress,' Bernanke Says
This morning's news from Federal Reserve Chairman Ben Bernanke contained pretty much, well, no news at all: Congressional gridlock is the biggest obstacle to economic growth.
He opened his remarks to our nation's legislative branch this morning with the line: "The economic recovery has continued at a moderate pace in recent quarters despite the strong headwinds created by federal fiscal policy," and continued by outlining all the ways fiscal policy squabbles could continue to curtail job creation and hamper recovery.
Continued Congressional bickering over the debt ceiling and philosophical fiscal differences would be too much for the already-tepid growth rates to bear: Bernanke reminded his audience that unemployment rates remain too high, while inflation has slowed to the lowest pace on record. He warned us against celebrating seeming falls in unemployment, which probably just mean fewer people working or looking for work.
"More generally, with the recovery still proceeding at only a moderate pace, the economy remains vulnerable to unanticipated shocks, including the possibility that global economic growth may be slower than currently anticipated," Bernanke said.
His speech once again made the case for recent Fed attempts to stimulate growth, including holding interest rates "at or near 0 percen" and expanding its holdings of Treasury bonds. In other words: Bernanke showed up to the hearing sober.
His less-than-optimistic remarks resonated with a stock market that fell flat later in the morning.


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This chapter finds Abraham sitting at the door of his tent at Camp Mamre. Since we last saw him in chapter 15, a lot has changed for Abraham and Sarah.
They had new names, given by God to better suit their roles as father and mother "of a multitude of nations" (Genesis 17:4). They had a new symbol for their covenant with God: circumcision would be a physical reminder that they belonged to God (Genesis 17:10). And they had a new member of the family: Ishmael would be a physical reminder of the consequences of doing things man's way instead of God's way (Genesis 16:11-12).
So there is old Abraham, sitting at the door of his tent, waiting. He was waiting for God to fulfill the promise of making him a great nation. Wile he was waiting, the Lord appeared to him. It is interesting that when Abraham saw Him, he saw three men (v.2), possibly a reference to the Triune nature of God as Father, Son, and Holy Spirit. Abraham treated them with great respect and hospitality, washing their feet and serving them a big meal.
One of the most humorous scenes in Genesis is when Sarah accidentally-on-purpose heard the conversation in which the Lord promised that she would have a child within a year. Sarah cracked up! What a hilarious thought — an old lady having a baby! Fat chance!
But "is anything too hard for the Lord?" (v.14) No! Sarah would have her baby, and as proof of God's sense of humor, He had already decided (Genesis 17:19) that the child's name would be Isaac, which means "laughter"!
I think if Abraham had been about 75 and Sarah had been about 65 when they became parents, people would have said, "That's kind of unusual, but it's probably happened before. It's possible." Maybe if Abraham had been 80 and Sarah had been 70 and they had a child, people would have said, "That's REALLY strange! But probably not impossible." But when Abraham was a dried-up 100 year-old and Sarah was a post-menopausal woman of 90, everyone must have said, "Did you hear about old Sarah? She ought to be a great, great grandmother and now she's a momma! And Abraham, he's older than dirt! That HAS to be from God!"
In contrast to this good news, the balance of this chapter deals with the very serious news of the impending destruction of Sodom and Gomorrah. Abraham's bold intercession is an example of how we may approach God in prayer. God's final answer was that He would spare the city if there were ten believers there.
I'll talk more about this in my sermon Sunday morning, but suffice it to say that God went through with the destruction. The "very grave sin" (v.20) of Sodom and Gomorrah would be severely punished after all.


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By Lisa Benjamin and Adelle Thomas
THE region is still in recovery mode from Hurricanes Irma and Maria. The 2017 hurricane season is not over yet, but already it has been declared one of the top 10 most active Atlantic hurricane seasons on record.
Financial estimates of the damage caused by these extreme events are preliminary, but extend into the billions of dollars. Millions of residents in the region took refuge in shelters during the storm, and to date thousands of people are still displaced. Many residents, particularly in Barbuda and Dominica, may be displaced for some time as their homes are no longer habitable. In Puerto Rico, vast numbers of residents are still without power, and may be for some time. Across the region, many people have lost everything, and may not be able to afford to rebuild.
Many residents of affected countries such as Puerto Rico, Dutch St Martin, and the British Virgin Islands are either citizens of, or protectorates of, larger more developed countries, and therefore have access to funds and expertise to rebuild their countries. However, other countries such as Cuba, Dominica and Antigua and Barbuda, have no such patrons, and are at the mercy of donations and the generosity of their neighbours. To this end, the Bahamas has accepted a number of Dominicans into the country, particularly students, seeking refuge.
The ferocity and intensity of these hurricanes are linked to the drivers of climate change and the region is highly likely to experience increased intensity of hurricanes in the future. As global temperatures continue to increase and impacts escalate, there will necessarily be further migration and displacement of residents. The Intergovernmental Panel on Climate Change (IPCC) projects that by 2100 there will be significant changes due to climate change, including more intense hurricanes, greater damage from flooding and more serious implications for human health and livelihoods. The Caribbean is on the front lines of these changes and is expected to experience these impacts in advance of other regions.
Climate-induced displacement refers to populations which have been forced to move. Climate-induced migration refers to people driven by special circumstances to move on a voluntary basis. In the instance of climate change, it is often difficult to clearly distinguish between these two circumstances. In both circumstances, affected people would not be classed as "refugees" under international law, as in most cases there is no element of persecution involved. As a result, at the moment there is no international legal framework governing climate-induced displacement.
A recently published peer-reviewed paper found that few Caribbean and Pacific island states currently have policies in place governing climate-induced migration and displacement. Given the increasing impacts of climate change, migration is likely to be a strategy used by these states to adapt, but current efforts are largely temporary and ad hoc. Ad hoc approaches to migration and displacement are likely to result in increased vulnerability of residents. Comprehensive data and policies are needed to ensure planned relocations and increased resilience to climate change. As a result, the development of comprehensive national policies on migration and displacement is becoming a policy priority in the region.
For more information on climate-induced migration and displacement, see 'Policies and mechanisms to address climate-induced migration and displacement in Pacific and Caribbean small island developing states' by Adelle Thomas and Lisa Benjamin (2017) International Journal of Climate Change Strategies and Management available at: http://www.emeraldinsight.com/doi/full/10.1108/IJCCSM-03-2017-0055. For more information on climate change see The Climate Change Initiative's website at www.climatechangebahamas.org. The Climate Change Initiative is collaborating with Bahamas350.org's climate action week from October 23-27 2017, see https://www.facebook.com/bah350/.
• Lisa Benjamin and Adelle Thomas are assistant professors at The University of The Bahamas, and co-founders of the Climate Change Initiative (www.climatechangebahamas.org).
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Vietnam co-chairs ASEAN-Japan Ministerial Meeting
Deputy Prime Minister and Foreign Minister Pham Binh Minh and Japanese Foreign Minister Taro Kono co-chaired the ASEAN-Japan Ministerial Meeting in Bangkok on August 1.
Participants at the event (Photo: VNA)
Bangkok (VNA) – Deputy Prime Minister and Foreign Minister Pham Binh Minh and Japanese Foreign Minister Taro Kono co-chaired the ASEAN-Japan Ministerial Meeting in Bangkok on August 1, within the framework of the ongoing 52nd ASEAN Foreign Ministers' Meeting (AMM-52) and related meetings.
As a representative of the coordinating country of the ASEAN-Japan relations in the 2018-2021 period, Minh recognised the growth of ties between the two sides over the past 45 years with stronger mutual trust and understanding.
He welcomed the progress in the strategic partnership and comprehensive cooperation between the ASEAN and Japan over the years in key pillars, including the adoption of a joint statement released at the 21st ASEAN-Japan Summit commemorating the 45th founding anniversary of partnership, which reaffirmed their strong commitments to promoting their comprehensive and cooperative partnership.
Participating ministers spoke highly of the support and effective cooperation that Japan has given to the ASEAN, and lauded the coordination role of Vietnam.
Minh and other ASEAN ministers proposed a number of cooperation orientations between the association and Japan in the future, including strengthening collaboration and connection at ASEAN-chaired forums, contributing to dialogue promoting and trust building, upholding international law as well as building and respecting common code of conducts, and effectively coping with challenges facing peace, security and stability in the region.
The two sides will enhance their economic-trade-investment affiliation, soon concluding the Regional Comprehensive Economic Partnership (RCEP), while expanding cooperation in connectivity, innovation and Industry 4.0 adaptation.
They will strengthen cultural exchange and people-to-people connection as well as cooperation areas benefiting the people such as climate change adaptation, care for the elderly, and sustainable environmental development.
Japanese FM Taro Kono affirmed that ASEAN is one of the focuses in Japan's external policies, highlighting the country's commitment to promoting the practical, effective and comprehensive partnership with the ASEAN.
Japan lauded the ASEAN's approval of the ASEAN Outlook on the Indo-Pacific, he said, expressing his hope that the bloc will promote cooperation in line with the ASEAN principles and Japan's Indo-Pacific Strategy over areas of mutual interest such as maritime, sustainable development, infrastructure expansion and connection, smart city, and climate change response.
Regarding regional and global issues, the two sides recognised progress in negotiations for a Code of Conduct (COC) in the East Sea, while sharing deep concern over the complicated developments at sea, especially the militarization and unilateral activities complicating the situation and eroding trust, negatively affecting peace, stability and security in the region.
Both sides affirmed the significance of maintaining peace, stability, maritime and aviation safety, security and freedom in regional seas, including the East Sea, and stressed that any dispute must be solved by peaceful measures in line with international law, including the UN Convention on the Law of the Sea 1982 (UNCLOS 1982).
They underscored the need to fully implement the Declaration on the Conduct of Parties in the East Sea (DOC) and encourage efforts to build the effective COC.
Minh lauded the constructive and positive voice of Japan over the matters related to peace, security and stability in the region, expressing his hope that Japan will continue supporting the stance of ASEAN on the East Sea, contributing to building a sea of peace, stability, cooperation and development.-VNA


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Guanacaste has an array of locations that offer the "combo tours". These combo or mega-combos are simply resorts that offer you a day pass to do a number of activities such as:
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- horseback
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- lunch
The majority of these site are located along the skirts of Rincon de la Vieja Volcano. Some of the most popular locations are:
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- Borinquen
- Buena Vista
- Vandara
Many tour companies offer services to these locations, but with most of these companies you're stuck traveling in a large tour bus with about 30 to 60 people that are going with you. This means you end up having to wait on the platforms, horseback ride and everything else because of your group size. With LAR you can go privately and your driver is usually on the go getting you to each activity before large groups.
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Benefits of Picking Uber Over Traditional Techniques of Traveling
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Based on supply, Uber furthermore offers many different ranges of support. The service's lowest-cost choice, UberX, operates in daily cars just like the Civic. Uber Black is usually the company's first services, costing any bit far more but working in high end town autos with specialized drivers. Uber SUV will be precisely exactly what it seems like, billing a expensive for some sort of larger motor vehicle. Uber LUX is typically the top-of-the-line choice, operating inside posh flights like Porsche along with BMW passenger sedans.
Uber needs that it is operators have a qualifications and DMV check. They will also should have their own own automobile and that must end up being insured. Due to the fact of all these minimal specifications, the support attracts a eclectic variety of individuals. Additionally, the actual company possesses developed a great taxi service that will has already been tested within multiple metropolitan areas, and can easily be applied by cabs (dependent in local regulations). However given that UberX provides rates in which are almost 30 percent reduce than taxis, on regular, you may imagine this particular isn't the fixture youre likely for you to find up coming to typically the typical pickup truck's cab meter. Just click here for a coupon code for uber.
Throughout 50 international locations and metropolitan areas, the particular company's attain is shocking and it is effect is usually unifying. In the event that you realize how for you to hail a great Uber throughout Kentucky, an individual can easily also physique it out and about in Taiwan. Nonetheless, in typically the US., where rules vary through city, state, and express, the services hasn't recently been allowed almost everywhere.
Uber prides itself a lot more as some sort of platform and also less since an boss, so this is really the question intended for the drivers-and essentially, it is an matter of need. In any 24-hour-per-day town like Las Vegas, there is always an individual looking regarding a journey. But inside smaller Top bergs just like Cherokee, North Carolina., the software is very likely a lifeless zone throughout the midsection of the particular night. Click the link for a promotion for uber app.