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1. Apologies for absence
Jeff Griffiths, Walter Middleton
2. Minutes of meeting of 27th September 2002 accepted as correct.
3. Matters arising not otherwise on the agenda
3.1 (minute 3.2) Chair reported that he had met chairs of CPAM and COPS. While all are concerned to present a united front and support the CMS, closer direct liaison is currently inappropriate given the differing natures of HoDoMS, CPAM and COPS.
3.2 (minute 3.3) Chair reported 13 responses to letter about Further Maths and Medical Schools, 7 directly favourable but all responding in some detail.
3.3 (minute 4.1) Chair wrote to two FRS and President.
3.4 (minute 4.2) Degree grade inflation: THES Nov 15th confirmed UUK pushing against degree classification.
3.5 (minute 4.3) Chair forwarded publisher's circular to Mathsheads-Adverts inviting responses on principle. Nil reaction.
3.6 (minute 7) Response from EPSRC Maths Programme Director refusing to extend penalty-free period but giving reassurance about special case pleas.
3.7 (minute 10b) HESA data: wholly negative response from HESA Chief Executive over interim data collection. Chair will consult LMS.
3.8 (minute 3.4) HoDoMS website: Host is still required. hodoms.ac.uk cannot be hosted on the Coventry server. Jim Howie to investigate LMS server, and David Youdan that of IMA.
4. Correspondence
4.1 Chair has offered moral support to several more Departments facing cuts/closure.
4.2 Mathematical Association: Chair provided address list for Mathematical Association to circulate HoDs about recruitment packs for graduands.
4.3 Joint funding bodies review of RAE - HoDoMS submitted its terse 2 point response.
4.4 Engineering Council registration standards: HoDoMS submitted a list of three issues concerning maths/stats in engineering for the review to consider.
4.5 AMET: Chair wrote requesting information on whether PGCE students tend to be locally based, and whether big maths departments undershoot in proportion of output who enter teaching. Reply awaited. 4.6 Science Media Centre: nominated as possible maths/stats contacts Peter Giblin, Ken Houston, Charles Goldie.
4.7 Received TTA plans for using experienced but non-mathematical people, to teach mathematics. Currently 1 year unfunded mathematics training then 1 year teacher training (funded). TTA is proposing 6 months funded mathematical preparation (Jan 03 pilot, Jan 04 start). Committee felt the proper thing was to fund year 1 too. Chair to write to suggest Mathematics departments make a contribution here.
5. Chair's Communications not otherwise on the agenda
5.1 Science Council Mathematics Colloquium (22 October). Chair attended. Varied views, but coherent report emerged.
5.2 Millenium Maths Project organised (at the behest of Sir Peter Williams, Chair Engineering and Technology Board) an information day on school-university interface maths issues. Chair attended and presented, and subsequently wrote to Secretary of State. Asked what department is doing to fulfil government promises in response to Roberts review. Suggested ACME recommendation in its CPD report for centres of excellence for maths teachers needs to be joined up with parallel science centres funded by Wellcome. Response awaited.
5.3 Communication from Prof N H Bingham concerning bureaucratic interference with EPSRC prioritising panels; suggested more a learned society matter, perhaps of interest for CMS.
6. Arrangements for 2003 Annual Conference 10/11 April 2003
8. Reports from committee members with particular responsibilities not covered above
9. Subscription situation for 2001/2 (ME)
(b) National Scene
Neil Challis
Commitments for programme so far:
Thursday 10th April before 4: 1. Prof Adrian Smith
Friday 11th April: 2. Sir Howard Newby
Either day:
3. Careers: Clifford Cocks, Chief Mathematician, GCHQ. Possibly Mark Robson (Bank of England). CMS Careers Initiative
4. LTSN session
5. The crisis in research publishing
6. Graduate Teaching Programme and secondary maths teaching
An evening session can be reserved for other topics
Practicalities: 50 overnight plus 10 day places booked at the conference centre (near RNC Greenwich). 24 hour stay (lunch to
(Mentioned only where there is something to report)
Chair attended last meeting when main interest was ACME CPD report proposing centres of excellence and funded opportunities for teachers to develop subject knowledge. Secretary of State response awaited. Discussion of new chair of JMC and mechanism for nomination - Bernard Silverman FRS was mentioned as possible nominee, with approval.
HoDoMS retains no more than on-off watching brief status
CMS Careers Initiative: supported and encouraged.
International Mathematics Review. CMS is supporting this and EPSRC will do it. Some discussion of mechanism and steering committee constitution.
Meeting with QCA Nov 15th, main relevant topic AS/A Level consultation outcomes. New syllabus 2004, first output 2006. Which model is a matter for awarding bodies. Core material now spread over four modules out of 6. Graphic calculators allowed in 5 modules out of 6 and no calculator in 6th. Only titles Maths and Further Maths (Statistics is outside this process). Strong support from community for changes. November sitting will continue (little used). Improved results reported as those who have experienced the National Curriculum come through. The issue of Further Maths remains - if even the elite cannot insist on it, then how can it survive?
For the algebra/geometry review, CMS will seek a CMS rep., to cover both pre- and post-16. A comparison of IB and A Level is planned.
No replacement Chief Executive yet.
Good report for Cliff Allen - paper journal and website resources. SKH is finishing as rep on advisory committee and John Blake is to seek a replacement. Noted the discussions on combining ILT/LTSN/HESA into one common (stronger) organisation, but concerns about subject networks, and balance of generic and subject based people on any new council.
Will happen again this year.
Alastair Rose taking over basic technology programme Jan 2003, but will continue as head of mathematics programme until replacement appointed. Chair to write and wish him well. A panel has met to discuss peer review of doctoral training accounts. No written outcome yet. Funding opportunities continue to include connectivity and interdisciplinary projects. A priority is the Life Sciences interface programme; range of other supported areas includes call for Doctoral Training Centres (Jan 15), exploitation of genomics study groups, quantum computation, computer engineering, financial mathematics.
Concern from CMS reported about DTAs being subsumed into KTAs (knowledge training accounts): possibly bureaucratic, unclear whether parallel or subsumed, predicated on large departments therefore disadvantaging mathematics. Must monitor.
Noted that CMS meeting notes (13/12/02) say following consultation EPSRC will introduce collaborative training and knowledge transfer, although some concern expressed about making sure the funds reach the right place.
Membership grades are splitting: CMath (professional mathematician, full details of mathematical background needed, not only an approved course - although programme approval will continue and is being redesigned); and Member (broader backgrounds including teaching maths). Responses have been received to the service teaching questionnaire, and will be analysed by Glyn James.
Grades of membership are also being reviewed here, with current consultation.
Paper noted from Brian Stewart (Ed Committee) discussing closure of mathematics departments. Discussed Ambassador scheme (aligned with careers initiative) with young ambassadors funded by Simon Singh.
Accounts circulated. 46 institutions have paid (usual level) with another 15-20 expected up to conference.
(a) Smith Committee
Deadline for consultation comments 14th March. Subgroup (CMG, DL, PG, NVC) to swap initial thoughts by 26 January with view to first draft. Questions concerning timescale (tight), place of HE (end user or under consideration?), possible commonality with other bodies (partial?).
Noted waiting for DfES to respond to Roberts review.
Noted waiting for impact of ACME CPD report.
Noted continuing threats to some departments - the next HoDoMS "Threats to Departments"
questionnaire is about to be distributed.
Noted new HEFCE funding model - but only in long term.
Date of next meeting (new committee) at Conference Friday 11th April 2003 2 p.m. University of Greenwich
Conference April 10/11, starting with lunch at 12.30 on 10th April.
(Clash with BAMC/BMC noted)
Hon Sec HoDoMS
8. Reports from committee members with particular responsibilities not covered above
9. Subscription situation for 2001/2 (ME)
(b) National Scene
Neil Challis


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Customer Reviews
This is my second time ordering this and I have been impressed both times, lots of great quality items! Also a wide variety of items.
DEFINETLY worth the money !! I love the mystery bags .
I have gotten three of this and I have never been disappointed, I also have gotten at least one of each of the other types of surprise bags,I've just been amazing by the quality on items available in this, it just keeps getting better. Love it
I got decent stuff different blades and a few gadgets. I didn't get anything spectacular but I would buy it again.
I've tried this $100 dollar bag for $56 about 4 or 5 time now and have always been more than satisfied. usually plenty of knives and a few survival things that may or may not have value for me. (can always give them to someone else). This last time is the first time I felt I didn't get the $100 worth. I'm sure it was worth the $56 but some of the things seemed like toys and would not be reliable in a real world situation. That said, the main Items - Survival Knife, Rope, Gun Sling - things like that were of good quality. Not as many knives this time as I usually see in the bags but I'll wait a few months for the inventory to change and give it another try. I would usually rate it 4 or 5 stars this last one 3 1/2 stars.
Bought this for the 56.99 it rates not expecting much just a bag of goodies for random christmas presents. I got it looked through it, checked budk prices on each one, totaled 185 dollars of things. Definatly worth the money.
This is the second "bag" I bought from BUCK, and this one is about as useless as they come. I figured it would have at least one pocket knife in this one, as the one I bought last year had 2 or so, but I did not expect what was shipped. I was sent all knives, and the majority being pocket knives (a total of 9 pocket knives!!), one buck knife, one Damascus type, and another hunting knife. What is this? This is horrible. The lack of variety is staggering, and this is the LAST time I will ever waste my money on this garbage.
I order a couple of these each year to fill in my Christmas shopping list. I always get nice items for gift giving and a couple of things for myself! You can't go wrong with some of the items I've received in the past. A big help for a guy with a small budget! Thanks!
I miss the old days of good "surprise" bags from BUDK. Adding the value up I barely reached what I paid for the bag. Its supposed to be worth $100 but in reality its just shy of the $50 paid. Thats if you want the junk pocket watch and lighter. I know this review will never be seen. All my reviews are blocked because I'm honest in them. I do show what I buy on YouTube...not that that matters. I had high hopes for the Timber Rattler but it is one of their Chinese sets. The Pakistan knives from Timber Rattler are way better quality and style. You need to wait about a year on these before ordering another, otherwise you get the same duplicate items. Trust me. I've fallen victim before. Rated 3 star in hopes the review will actually be seen. But in reality its a 1 1/2 at best.
I have ordered three of these so far. The first on and the second one I was very pleased. I made the mistake of ordering two months in a row, and they were exactly the same bag, every item was duplicated. So if you buy and plan to buy again, give budk time to get rid of the bags they already made, otherwise you will get duplicate items. But an awesome deal. I am happy, I will just be returning the in opened bag.
This mystery bag is epic! I've always loved mystery bags but this one is hands down the best one I've ever got the things I got in it was AK-47 bullet ice tray, timber wolf knife set, timber wolf handcrafted quality knives (it has 3 blades), timber rattler it's a Bowie knife with a smaller knife, legendary kriegar quality blades ( it's a pocket knife with a black handle and a blue blade), Marines desert warrior blade assist folding knife, shadow warrior (a blue knife with a samurai on the handle) and a kissing crane knife ( a beautiful gold, blue, turquoise, yellow, black and silver handle knife) my favorites are the Marines desert warrior blade assist folding knife, shadow warrior, and the kissing crane knife. I give it 5 stars, if I could give it 100 stars I would, my family loved the knives too they asked me if they could borrow $50 to get one.
This is my 2nd bag and I will be back for more. I only wish there was a way you could let me know when you change the bags so it's not a guessing game.
Just received my mystery bag and it was sweet. Advertised value was there with a couple items that hit the cool factor and a pocket knife that is just plain beautiful. I am very satisfied well worth the wait. Thank you.
Got a nice Damascus kissing crane, a backpacking sleeping bag, a military knife, military flashlight, military watch, wallet and jungle knives set. Was able to give a few items as Christmas gifts and keep a few for ourselves. Very fun to get in the mail. Will definitely buy again.
Cant complain for the money you spend. It had a pretty good variety.
So I just received my second mystery bag from bud k and I must say that I am very pleased all of the items were very nice and I will use them all. No duplicates of anything at all so I am very pleased! If I could I would do 7 stars.
Okay so I ordered in May got it June 1st today i had two Kissing crane knives one Iwo Jima, one Be my Valentines that's cool I suppose as I have no other Kissing Crane knives, a Timber Wolf folder, a Shadow warrior folder also, a blue type bowie pretty decent enough no markings for brand,a SHTF survival bowie sawback knife which is pretty cool, so all in all 6 knives which is cool as hell, a carabiner biungee cord which is like oh ok, survival kit by Trailblazer pretty cool little thing, 4 40 waterproof matches by Trailblazer, a Tactical pen which is always cool, a Trailblazer 3 in 1 auto tool which has Glass breaker, belt cutter, and hand crank flashlight. All in all decent enough pretty cool, I wanted a solar shower but it is cool every single knife already has a sharp blade and I am sure when I sharpen them even better will happen, my nine year old daughter destroyed the box with the SHTF knife LoL! Will of course make another purchase in the future. Only thing that suck is with standard shipping takes forever two weeks from GA to Ca but other then that and that's Fedex issues due to storms etc. Next time I will just pay for shipping.
I just got my $100 mystery bag and am pleased with what I got. the only pice I could not use was the aluminum mess kit. I already have several steel mess kits so I will find a scout who needs one no problem. I also got a candle lantern and a solar shower I had been wanting one for a while now. as well as three knives one being a kissing Crain knife for my collection. thanks for the great bag. I will be buying another one in a few months so I don't get any duplicates.
My bag had 5 knives, survival kit, lantern, pocket saw, John Wayne $00.50 coins that were worth $50 together. Great bag
I usually buy this box once a year and have been happy. This time though I only received 3 blades. Two of them being flip blades. The rest was survival gear. In the past it was mostly blades, which this magazine is. I figured to buy another hoping for more blades. I guess I bought them to close together (a week apart) because I got exactly the same stuff in the second box. I am disappointed but it's a mystery box right.

subset: commoncrawl


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The company Umarex USA was created in 2006 as subsidiary of famous German Umarex (Umarex Sportwaffen GmbH & Co. KG) established back in 1972. The Umarex USA has quickly become one of the premier providers of airguns to North America marketing sport shooting products for brands such as the RWS, Walther, Beretta, and Colt among other high quality airgun brands. They import and distribute world class products from Germany, China and other countries. Just like many airgun companies, some of their airguns are high quality, others they have built in PRC,then sold at low prices to make a profit.
If you are looking for an entry-level airsoft handgun Umarex XBG is a perfect introductary weapon for recreational shooters and shooting practice. With a smoothbore barrel length of 4.25 inches (108 mm) and a total length of 6.75 inches (172 mm), the Umarex XBG externally resembles to compact polymer-framed "wonder nines" such as Walther PPQ M2 and Springfield Armory XD (M) 3.8" Compact firearms. At this point, we should note that gun is very realistic looking from a distance, but with weight of only 0.7 pound (400 gram) still has a light & plastic feeling.
The Umarex XBG, multi-shot air pistol is chambered in .177 caliber (4.5 mm) and powered by CO2 gas. This compact and lightweight pistol is an affordable and a great starter air-soft BB gun. The Umarex XBG .177 Caliber Air Pistol is straightforward and easy to handle, and with fixed front and rear sights it has amazing accuracy at even a 40 feet distance. Though the only real metal part of pistol is 19-shot drop-free magazine the other metal internals are protected by a decent plastic material that "feels" good in the hand adding some good weight to the handgun. The XBG pistol has an integrated Picatinny rail under the barrel and non-blowback system for high energy yield.
The gun is powered by a single 12 gram CO2 capsule housed in the grip and the compartment is easy to access. The CO2 chamber is very user-friendly, with a cover that flips up and stays hinged in place while you're replacing the CO2 cartridge. Though one can fire about 140-160 shots before the trajectory starts to dip, the best results are under the 100 shots with single CO2 cylinder. The average shooter can shoot 19 rounds mag in about 22 seconds before he has to reload.
This nice well-made gun uses metal magazine of 19-shot steel BBs capacity and smart drop-free feature for quick reloading, but some shooters recommend to fill only with 16-17 BBs due to reliability. Unlike original firearms there are no ambidextrous controls, as the magazine release is on the left side only, near the trigger guard. A manual safety is located in a similar manner to the S&W model M&P – right side on the body of the pistol above the trigger guard and has a solid feel. Since the pistol fires only from double action, or DAO, the trigger pull is relatively long and heavy, (as can be expected) but not overly hard, it's about 8 pound.
With a muzzle velocity at 410 feet per second (120 m/s) and muzzle energy of < 7.5 Joule, this gun is perfect for plinking and mild target shooting. Despite the maximum shooting distance is about 325 yards this isn't a hunting weapon for sure, but since the handgun marksmanship is a perishable skill Umarex XBG is an excellent for gun training. The lack of a rifled barrel and the use of BBs means that pistol won`t achieve ultra-accuracy but with an inexpensive ammunition this great pistol makes it much more affordable when trying to maintain firearm proficiency needed for combat shooting. On the other hand, as introduction handgun, this .177 caliber air pistol provides a realistic feel and is great for learning how to properly hold and handle a firearm.
Of course the airguns with this price tag aren't without imperfection and a common problem with lower priced CO2 powered guns are misfires, firing multiple BBs at the same time, and sometimes a BB will fall out the muzzle end while shooting. The defective seal is another problem but it is less common flaw, and since the seal itself is not repairable, the only repair is for them is to replace the gun if it is covered under warranty.
Overall, the value of this air pistol is amazing and it performs better than some of the more "pricey" models while the reliability is at par with any other BB gun.


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2019 is off to a great start for Summer of Biz, with amazing turnout at all our events and a whole new crop of committed students ready to take on internships this summer. But to offer internships, we don't just need students – we also need employers! So now it's time to start getting our 2019 employers on board.
Along with our sister programme Summer of Tech, we're hosting our 2019 Employer Launch Event on May 7. This event is a chance to meet and chat with other employers (both those new to the Summer of Biz programme and those more experienced in hiring our interns), meet the Summer of Biz and Summer of Tech teams, and hear about how we can help you hire the perfect intern for your business in 2019.
The benefits of taking on an intern are endless. They help with succession planning, making sure you have skilled and experienced people to grow into your senior roles, they free up your existing senior staff to focus on the tasks that make you money, and they allow you to "try before you buy", testing out potential employees before committing to new graduate hires. These are just some of the benefits of an intern – read more about the benefits here.
Summer of Biz helps you find the right intern for your business through assisting with recruitment for interns in HR and Marketing (running recruitment events and offering recruitment tools), offering professional development to students to prepare them for their internships, and supporting students and employers throughout the programme (and beyond).
If you'd like to learn more about how a Summer of Biz intern can help your business, register for our launch event. You can also email us on firstname.lastname@example.com to find out more about the programme.


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The Duskfall part ways with singer Magnus Klavborn.
"Magnus Klavborn has parted with the band due to the difficulties in sustaining a satisfying creative process and synchronizing all the details around band activities. It is to hard to maintain a good production rate with such a large physical distance between the members. There's no bad blood in this decision and the vocal duties will be handled by Jonatan Storm from now on.
Here is a teaser of what to expect from the upcoming release.
The preproduction is going excellent and we can't wait to record the next album and hit the stage and meet you guys".


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Gibbous ♒ Aquarius
Moon phase on 30 September 2036 Tuesday is Waxing Gibbous, 10 days young Moon is in Aquarius.Share this page: twitter facebook linkedin
Waxing Gibbous is the lunar phase on . Seen from Earth, illuminated fraction of the Moon surface is 79% and growing larger. The 10 days young Moon is in ♒ Aquarius.
Wednesday Wed
Thursday Thu
Friday Fri
Saturday Sat
Sunday Sun
Monday Mon
Tuesday Tue
Previous main lunar phase is the First Quarter before 3 days on 27 September 2036 at 06:12.
Moon rises in the afternoon and sets after midnight to early morning. It is visible to the southeast in early evening and it is up for most of the night.
Moon is passing about ∠13° of ♒ Aquarius tropical zodiac sector.
Lunar disc appears visually 8.1% narrower than solar disc. Moon and Sun apparent angular diameters are ∠1768" and ∠1917".
Next Full Moon is the Hunter Moon of October 2036 after 4 days on 5 October 2036 at 10:15.
There is low ocean tide on this date. Sun and Moon gravitational forces are not aligned, but meet at big angle, so their combined tidal force is weak.
The Moon is 10 days young. Earth's natural satellite is moving from the first to the middle part of current synodic month. This is lunation 454 of Meeus index or 1407 from Brown series.
Length of current 454 lunation is 29 days, 9 hours and 58 minutes. It is 2 hours and 26 minutes shorter than next lunation 455 length.
Length of current synodic month is 2 hours and 46 minutes shorter than the mean length of synodic month, but it is still 3 hours and 23 minutes longer, compared to 21st century shortest.
This New Moon true anomaly is ∠25.8°. At beginning of next synodic month true anomaly will be ∠46.7°. The length of upcoming synodic months will keep increasing since the true anomaly gets closer to the value of New Moon at point of apogee (∠180°).
Moon is reaching point of apogee on this date at 13:16, this is 12 days after last perigee on 18 September 2036 at 12:38 in ♍ Virgo. Lunar orbit is starting to get closer, while the Moon is moving inward the Earth for 16 days ahead, until it will get to the point of next perigee on 16 October 2036 at 12:04 in ♍ Virgo.
This apogee Moon is 404 995 km (251 652 mi) away from Earth. It is 413 km farther than the mean apogee distance, but it is still 1 714 km closer than the farthest apogee of 21st century.
Moon is in descending node in ♒ Aquarius at 17:36 on this date, it crosses the ecliptic from North to South. Moon will follow the southern part of its orbit for the next 14 days to meet ascending node on 14 October 2036 at 12:21 in ♌ Leo.
13 days after beginning of current draconic month in ♌ Leo, the Moon is moving from the middle to the last part of it.
2 days after previous South standstill on 27 September 2036 at 16:26 in ♑ Capricorn, when Moon has reached southern declination of ∠-20.031°. Next 11 days the lunar orbit moves northward to face North declination of ∠20.162° in the next northern standstill on 12 October 2036 at 00:39 in ♋ Cancer.
After 4 days on 5 October 2036 at 10:15 in ♈ Aries, the Moon will be in Full Moon geocentric opposition with the Sun and this alignment forms next Sun-Earth-Moon syzygy.


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Retail Banking Market by Services (Transactional Accounts, Savings Account, Debit Cards, ATM Cards, Credit Cards, Mortgage, Home Loan, and Car Loan) and Type of Banks (Community Development Bank, Private Banks, Public Banks, and NBFC): Global Opportunity Analysis and Industry Forecast, 2019–2026
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Pandemic disrupted the entire world and affected many industries.
Get detailed COVID-19 impact analysis on the Retail Banking MarketRequest Now !
Retail Banking Market Outlook-2026
Retail banking is banking service model in which individual customer use local branches of lager commercial banks. The services offered include saving and current accounts, personal loan, mortgages, debit and credit cards, and certification of deposits. In the retail banking, the focus is on the individual consumer rather than corporates and SMEs.
Retail banking provides financial services for individuals and families. First objective of retail banking is to offer consumer credit to purchase homes, cars, and others. In addition, it provides various products to customers such as checking account, current account, ATM cards, credit cards, saving and certificates deposits. The anti-money laundering processes compiles all the banks consider utterly check all the documents that they accept while providing retail banking services. Customer retention is paramount important for the profitability of the retail banking which in turn improved the customer service across the industry. Rise in massive loan losses, tightening regulation, and sluggish value creation (because of the low deposit margin) are the factors that restrain the market growth.
The retail banking market is segmented based on the services and banks. Based on the services, the market is divided into transactional account, saving account, debit cards, ATM cards, credit cards, mortgages, home loan, and car loan. Based on the banks, it is divided into community development bank, private bank, public banks, and NBFCs. Region wise, the market has been analyzed across North America, Asia-Pacific, and LAMEA.
The market is very competitive in nature, the major players are focusing in creating customer awareness toward the advantages of the retail banking products. Use of emerging technologies such as AI, machine learning and biometric gain an "Information edge" and put that data to work in relevant, personalized customer services and experiences. The major banks in retail banking include Commonwealth Bank, Community CPS Australia, Egg Banking, Emigrant Saving Bank, Emirates NBD, and others.
- This report provides a detailed quantitative analysis of the current retail banking market growth and forecast estimations from 2018 to 2026, which assists to identify the prevailing retail banking market opportunities.
- An in-depth retail banking market analysis includes analysis of various regions and is anticipated to provide a detailed understanding of the current trends to enable stakeholders formulate region-specific plans.
- A comprehensive analysis of the factors that drive and restrain the growth of the global retail banking market is provided.
- Region-wise and country-wise retail banking market share is comprehensively analyzed in this report.
- The projections in this report are made by analyzing the current retail banking market size and future market potential from 2018 to 2026 in terms of value.
- An extensive analysis of various regions provides insights that are expected to allow companies to strategically plan their business moves.
- The key market players within the retail banking market are profiled in this report and their strategies are analyzed thoroughly, which helps in understanding competitive outlook of global retail banking market.
Key Market Segment:
By Services
- Transactional Account
- Saving Account
- Debit Cards
- ATM Cards
- Credit Cards
- Mortgages
- Home Loan
By Bank Type
- Community Development Bank
- Private Banking
- Public Banking
- NBFCs
By Region
- North America
- Canada
- Mexico
- Europe
- Germany
- France
- Italy
- Rest of Europe
- Asia-Pacific
- Australia
- Japan
- India
- China
- Rest of Asia-Pacific
- Brazil
- Saudi Arabia
- South Africa
- Rest of LAMEA
We offer our clients exhaustive research and analysis based on wide variety of factual inputs, which largely include interviews with industry participants, reliable statistics and regional intelligence. Our in-house industry experts play instrumental role in designing analytic tools and models, tailored to the requirements of particular industry segment. These analytical tools and models sanitize the data & statistics and enhance the accuracy of our recommendations and advice. With AMR's calibrated research process and 360` degree data-evaluation methodology, our clients are assured of receiving:
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I hate you Candy Crush Saga! But I love you so much! Argh! While I applaud the one person's idea to enforce 30-minute game play, I despise the person who suggested bothering Facebook friends or paying 99 cents in order to advance to the next level or challenge. Game requests on Facebook never really bothered me too much as much as other people I know. "Join me in Farmland!" "Serve your favorite dish in Café World." The more friends you lure into the game, the better the rewards and benefits you receive.
I already caved and announced to my Facebook world that I was playing Candy Crush Saga. Now, I can't even remember what benefits I received. Hmmmmmmm. I already hate myself for asking some of my Facebook friends (who also are playing the game, by the way) to help me advance to the next level. My shame is so great that I'm really really really tempted to fork over the 99 cents to advance without balloons and a parade. The best idea would be to quit the game altogether, but unfortunately, I'm not strong enough to do that.
I mean, seriously, what's a girl to do? Ask friends for help to play a highly addictive game? Pony up the 99 cents to advance? If I'm willing to spend 99 cents now, would I be more willing to spend more money further in the game? The game more than 200 challenges! And the competitor in me needs – NEEDS – to complete all the challenges with three stars (the highest rating). I love the game, but I hate the obstacles. May I just please play the game without asking for help or paying money? Pretty pretty please with sugar on top?
Categories: Jennifer Elliott


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We've been doing most of our walking lately in The Grand Forest and wanted a change of pace but still close to home. Fortunately, the Bloedel Reserve's appointments are easy to come by in the winter on late notice so off to the Reserve went we.
First order of business accomplished, my daughter's discovery of the perfect walking stick for each of us, we embarked.
The willow isn't dripping in green as it does in the summer, but the orange reflecting in the water still draws the eye.
The branches of the old tree growing next to the mansion produced some cool lines against the overcast skies (by day's end we had glorious blue!).
We don't see too many birches but I fondly recall peeling the bark off the one in my yard as a child. This small grove behind the house stands out for both the bark and the sense of space it offers after emerging from the native woods.
The path to the Japanese Garden invites even in winter.
When I spotted these berries I was excited for the small burst of color for which I'd been waiting. The rhodys are budding but the wait for their spring color continues.


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Music and passion may always be in fashion at the Copacabana, but it does take its toll.
Barry Manilow, 68, is undergoing surgery for bursitis in his hips and to repair torn leg muscles. He plans to spend the next six weeks recovering.
"That's what you get when you jump around to 'Copacabana' for 30 years!" he says. "Wish me luck!"
The showman just performed his 1,000th Las Vegas concert in a seven-year run at the Las Vegas Hilton and The Paris Resort.
He is scheduled to return to the stage Feb. 2 at The Chicago Theater.
By Mike Fleeman


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Welcome to the new B.I.R.D. Forum. Please be sure to read the "New Member / New Registered ? Please Read" thread in the Coffee Shop. This contains some important information. I hope you enjoy the new site ................ Jaws ( John )Dismiss Notice
Rider Skills Help
Like Tech help but pointers that may help you hone your riding skills
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text: Black colour is very demanding for kid's chic and modish look and it also gives them a cool and pretty personality. This glorious black sport legging has been designed by your favorite brand Primark for you all older girls. You will really look fashionable because its lively black colour with attractive words '' LOS ANGELES'' has made it more attactive for kids.


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Saudi integrator lands vendor award
Al-Falak Electronics Equipment and Supplies gets outstanding regional business partner award from Alcatel-Lucent
Saudi infrastructure solutions outfit Al-Falak Electronics Equipment and Supplies has received an endorsement from networking vendor Alcatel-Lucent for its efforts in developing the market.
The company picked up the 'Outstanding Regional Business Partner' of the year award for making a strong contribution to Alcatel-Lucent's business in the Middle East during the past twelve months.
Al-Falak, which has premium business partner status in the firm's channel programme, doubled its sales of Alcatel-Lucent equipment last year, according to the vendor.
Hesham El Nahhas, regional director for Alcatel-Lucent Enterprise Solutions, says Al-Falak has played a major role in the development of its IP networking business in the region and scored a number of key customer victories with corporate clients such as PetroRabigh and Khurais.
"Al-Falak's consistency and professionalism have certainly been huge factors in helping Alcatel-Lucent consolidate its presence in the region and deliver its promise of becoming a trusted local partner with a global reach," commented El Nahhas.
The accolade comes at a crucial point in Al-Falak's development following its recent acquisition of Saudi distribution house MSO.
"This award reinforces Al-Falak's commitment to help our business partners optimise their performance in key markets through our extensive regional network," said Ahmed Ali Ashadawi, president and CEO at Al-Falak.
"It will also further consolidate our position as a leading system integrator in the region," he added.
Al-Falak remains one of the most established integrators in the Gulf market. Its tie-up with MSO is designed to give it additional scale as it looks to fend off market competition. The Khobar-based outfit also recently admitted it is in the final stages of talks to take over a server maintenance and software company.


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George Orwell
|George Orwell
Orwell's press caird portrait, 1943
|Eric Arthur Blair
25 Juin 1903
Motihari, Bengal Presidency, Breetish Indie
|21 Januar 1950 (aged 46)
Varsity College Hospital, Lunnon, Ingland, UK
|Restin place
|Sutton Courtenay, Oxfordshire, Ingland
|Pen name
|George Orwell
|Novelist, poleetical writer an jurnalist
|Alma mater
|Eton College
|Dystopia, roman à clef, satire
|Anti-fascism an anti-Stalinist left, democratic socialism, leeterary creeticism, news, polemic
|Years active
|Eileen O'Shaughnessy (1935–45, her daith)
Sonia Brownell (1949–50, his daith)
Eric Arthur Blair (25 Juin 1903 – 21 Januar 1950),[1] that uised the pen name George Orwell, wis a Breetish novelist, essayist, jurnalist an creetic, that's wark is chairacterised bi lucid prose, awaurness o social injuistice, opposeetion tae totalitarianism, an ootspoken support o democratic socialism.[2][3][4]
As a writer, Orwell produced leeterar creeticism an poetry, feection an polemical jurnalism; an is best kent for the allegorical novella Ainimal Ferm (1945) an the dystopian novelle Nineteen Aichty-Fower (1949). His non-feection warks, includin The Road tae Wigan Pier (1937), documentin his experience o wirkin-cless life in the north o Ingland, an Homage to Catalonia (1938), an accoont o his experiences sodgerin or the Republican faction o the Spaingie Ceevil War (1936–1939), are as creetically respectit as his essays on politics an leeteratur, leid an cultur. In 2008, The Times ranked George Orwell seicont amang "The 50 greatest Breetish writers syne 1945".[5]
Orwell's wark remeens influential in popular cultur an in political cultur, an the adjective "Orwellian" – descrivin totalitarian an authoritarian social practices – is pairt o the modren leid, lik mony o his neologisms, such as "Big Brither", "Thocht Police", an "Hate week", "Room 101", the "memory hale", an "Newspeak", "dooblethink" an "proles", "unperson" an "thochtcrime".[6][7]
References[eedit | eedit soorce]
- ↑ "George Orwell". UCL Orwell Archives. Retrieved 7 November 2008.
- ↑ "Why I Write" in The Collected Essays, Journalism and Letters of George Orwell Volume 1: An Age Like This 1945–1950 p. 23. (Penguin)
- ↑ Orwell, George (1968) [1958]. Bott, George (ed.). Selected Writings. London: Heinemann. p. 103. ISBN 978-0435136758.
Every line of serious work that I have written since 1936 has been written, directly or indirectly, against totalitarianism and for democratic socialism, as I understand it. [italics in original]
- ↑ Gale, Steven H. (1996). Encyclopedia of British Humorists: Geoffrey Chaucer to John Cleese, Volume 1. Taylor & Francis. p. 823.
- ↑ "The 50 greatest British writers since 1945". The Times. 5 January 2008. Retrieved 7 January 2014.
- ↑ Robert McCrum, The Observer, 10 May 2009
- ↑ "Home : Oxford English Dictionary". www.oed.com. Retrieved 2 September 2017.
- George Orwell
- 1903 births
- 1950 daiths
- 20t-century Inglis novelists
- 20t-century Inglis poets
- Admeenistrators in Breetish Burma
- Breetish colonial polis officers
- Breetish investigative jurnalists
- Breetish fowk o colonial Indie
- Breetish fowk o the Spainyie Ceevil War
- Breetish shuiting survivors
- Breetish war correspondents
- Buirials in Oxfordshire
- Creetics o releegions
- Daiths frae tuberculosis
- Democratic socialists
- Inglis activists
- Inglis Anglicans
- Inglis anti-fascists
- Inglis beuksellers
- Inglis democracy activists
- Inglis essayists
- Inglis male jurnalists
- Inglis memoirists
- Inglis fowk o French strynd
- Inglis reporters an correspondents
- Inglis satirists
- Inglis sceptics
- Inglis socialists
- French-leid writers
- Historians o fascism
- Infectious disease daiths in Ingland
- Constructit leid creators
- Modrenist writers
- Fowk eddicatit at Eton College
- Fowk eddicatit at Wellington College, Berkshire
- Fowk frae Bihar
- Prometheus Awaird winners
- Pseudonymous writers
- Male essayists


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Patient data is often sought by healthcare organisations to improve the services and care that citizens receive, but Wrightington Wigan and Leigh NHS Foundation Trust (WWL) has taken a step back and looked at its operations to see if there are ways it can better use the information it already has to make efficiency savings and improve its quality of care.
Mark Singleton, the organisation's head of business intelligence and acting associate director of IM&T, explains that WWL is often referred to as a data-driven organisation – and this goes back to some of the groundwork it put in place back in 2012. It was then that WWL put together a voluntary 'Quality Champions' programme for all staff – from finance managers to cleaners to management. The programme was aimed at empowering staff to make service improvements, including modules on how to use information to monitor changes for the short-term and long-term and ensure they are successful.
After six years, the organisation has had 365 employees go through the programme and it has helped to initiate 200 projects that are aimed at improving the organisation's operations. These include reducing cancellations for pre-operations, safe discharging and human factors and incident reporting.
One of the main takeaways from the initiative is that more data was needed on how improvements could be made and how this could be monitored.
Success and failure when using Qlik
Coinciding with the programme, the NHS offered trusts help with service line reporting – to show which areas were making a profit and which areas were making a loss.
"It was based on [software provider] Qlik's QlikView product, but the first few projects using this – including the service line reporting – weren't particularly successful," Singleton explains.
It wasn't until a few years later that the trust finally managed to use QlikView effectively; it developed a finance app using QlikView which was aimed at reducing the need for an accountant to produce an A3 paper for each budget holder and explain to them what their budget looked like.
"We have hundreds of different budget holders so it was a bit of an impossible task. It was taking up all their time and they weren't able to look at anything strategic," says Singleton.
With the QlikView app, budget holders can log in to see their monthly budgets, and can drill down to invoices, staffing costs and income.
"It was a very visual way for non-finance people to engage with data and it was the first project that really changed the organisation's perception of information," Singleton explains.
This led to other departments wanting to use QlikView for clinical information, and ultimately led to the organisation having nearly 30 Qlik applications that support the way it operates in different ways.
"One of the targets in the NHS is when you go to the GP and they may refer you for a hip replacement. If you are referred to one of our hospitals, we have 18 weeks from referral to ensure the patient is treated. So we built an app to monitor our performance on that national target," he says.
Prior to the app, WWL was struggling to meet the national target with a backlog of patients; now, according to Singleton, it is the "seventh or eighth best in the country around referral to treatment target".
Meanwhile, the A&E department has a real-time forecasting app to predict how many people are going to be coming throughout the day; this helps the A&E to be as prepared as it can.
But while Singleton says that QlikView has helped the organisation to check how its performing against national targets, he says it is more of a static dashboard with limited interaction. This is why the organisation also recently purchased Qlik's QlikSense product to complement QlikView.
"QlikSense would enable apps that have gathered data for the last few years to then ask questions such as 'how many ambulances do we have arriving from care homes between 11pm and 7am, and how many come from Wigan and from outside of Wigan?'. This can help us to decide whether there is an opportunity of putting telehealth in our care homes," he says.
QlikSense also provides the opportunity for employees to see data on their devices – enabling them to walk around wards or be available in the A&E department.
Another use case of Qlik's software is a ward application which will appear on a large touch screen in WWL's A&E department, executive offices and surgical theatres. This will replace the paper charts that nurses had to print off with specific information about the department.
"We've developed a Qlik app to provide just that; it will free up time for nurses so they don't have to maintain and print off paper charts, but it's also pulling in information from a range of our systems including HR, clinical, incident and risks and infections. This will harmonise all of the information and bring it into one place, making it far more conclusive," he says.
The next step for the organisation is to introduce cloud computing as part of its IT environment. Currently, WWL has in-house infrastructure but it is working on a project to use Microsoft Azure to help set up a single version of the truth, enabling different providers in the health system to share data more effectively. The organisation wants to continue to be referenced as a data-driven NHS trust – and this seems like the logical next step.


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The law governing the prepayment and early repayment of mortgage-backed home and freelance loans has recently changed . As a result of the March change, early repayment became more expensive and redemption cheaper.
Individual banks were free to transpose the change in legislation with respect to credit agreements concluded in the past , that is, they could decide whether or not to charge their customers. The pricing of banks has varied, so it is worthwhile to go into detail.
The double free early repayment has been canceled
Important modification, in the case of housing loans in the mortgage secured by the possibility of mandated banks twice-free prepayment eliminated. According to Bankmonitor's Surveys, banks have largely set new rates for prepayments and early repayments of between 1% and 2%.
Prepayment from own resources became more expensive
It is good to know that from the end of March this year, redemption of loans became cheaper. This can be important to many who are involved in repaying their loans: with this debt management solution, you can swap your loans for one more favorable loan.
But even if you have no problems with repayment and your household budget, it is worth checking and "swapping" our loans from time to time, as 15-20 percent of home mortgage lenders in the United States do annually, for example. In Hungary this ratio is minimal, but the positive change may increase the number of clients who have the opportunity.
Very cheap but expensive internationally
The average APR on Hungarian home loans has been falling for more than 3 years, according to the MNB in July 2015, at 5.75 per cent for home loans to households, reports Market and Profit .
This level is already below the typical cost of FX-based loans before the crisis , so you can get a home loan at a very affordable price.
In European comparison, however, the average cost of Hungarian home loans is still very high, according to the ECB, out of the 28 EU Member States only Bulgaria has a higher rate.


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Greetings NJ –
Actually for the purists in the crowd, Sir Winston Churchill said, "If your going to go through hell, keep going." My paraphrase is simpler.
It can definitely seem like you're going through hell if you are trying to move forward with rebuilding or building and being battered by the changing regulations.
Lately I've felt that if FEMA could change and update regulations on an hourly basis, they would. It would be great if building inpectors could at the Jersey shore seemed like they wanted to actually help the process, as opposed to impeding it as much as possible. It is my opinion that if the current state of miasmic anarchy continues it will take us about 10 years to finish rebuilding NJ, which is definitely not a happy thought. We have to change that, one house at a time.
Enough for today's rant – I am just speaking the words many of you are thinking, in an attempt to encourage you not to let all the negative noise discourage you from moving forward.
Another quote comes from Winston Churchill, who in the dark days of WWII in 1941, gave the shortest commencement speech in history to the graduating class of the Harrow School, his alma mater. (feeling British today, Vince?)
"Never give in. Never give in. Never, never, never, never — in nothing, great or small, large or petty — never give in, except to convictions of honor and good sense."
Good words to live by at any time, and important to remember now.
Something else to remember – Everyone's situation is different. Unless you are prepared to immerse yourself in minutiae and delve deeply into all aspects of the new regulations and code changes, avoid assuming that every new factoid out there applies to your home. It doesn't. Don't drink the Kool-Aid. The world is not ending, although it has definitely changed for many people.
So don't give up on that dream of getting your home and the Jersey shore back the way they were – it is a worthwhile one.
So everyone is different. When you're eating an elephant, you have to take it one bite at a time. Focus on your situation and don't worry about the big picture. There are plenty of Big Brains out there screwing things up without you worrying about it. That's the only way to remain sane through this process.
Flood zone A is different of Flood zone V. Slab homes are different from homes on crawls and basements. Single story homes are different from 2 story homes. Some people have room on their lots to move their homes and some don't. Old homes are not the same as newer homes. Some people want to stay and some people want to go.
Everyone's different.
Some new positive developments: We're having success with house moves on tight lots where we can actually cantilever the house over the bulkead 5′-10′. That opens up many newer homes that are worth moving to that possibility, where before that wasn't an option.
Another simple but happy thought – if you are on a slab foundation now, the floor of your new home, whether you move your house or rebuild new, will be warmer. If the house is moved, a new floor system is built, where before you were walking on a cold concrete slab.
Another thought to help you define your direction, which I have mentioned before and will undoubtedly repeat. By my calculations, i believe that less than 5% of the homeowners displaced or damaged by Sandy will wind up using helical pilings to rebuild their foundations. You are probably in the other 95%. Helical pilings are simply too expensive of a foundation system for most applications. If your house was worth less than $250,000 prior to the storm, there is no way to make the numbers work. So for the majority of us, we will wind up either moving our homes and installing new pilings, or demolishing the home, installing new pilings and rebuilding a new home.
Another positive item – insurance money is starting to (slowly) flow. That is a good thing.
Giving myself the hook…I've run too long again.
Keep the comments and thoughts coming. You can post directly to the blog if you wish.
Stay well. Enjoy life every day. Give someone you love a hug and kiss.


text:
BRAKE ABS ACTUATOR PUMP ASSEMBLY. LEXUS HS250h 10-12 ACTUATOR AND PUMP ASSEMBLY. TOYOTA PRIUS 12-15 ACTUATOR AND PUMP ASSEMBLY; PRIUS (VIN DU, 7TH AND 8TH DIGIT).
TOYOTA PRIUS 12-15 ACTUATOR AND PUMP ASSEMBLY; PRIUS PLUG-IN (VIN DP, 7TH AND 8TH DIGIT). Please use the part number, pictures and description provided to make sure this part fits your vehicle. We do not guarantee color matching unless we match the color code that you provide to our vehicle.Thank You for your interest in our listing. The item "2012-2015 TOYOTA PRIUS LEXUS HS250h ANTI-LOCK BRAKE ABS ACTUATOR PUMP ASSEMBLY" is in sale since Tuesday, May 22, 2018.
This item is in the category "eBay Motors\Parts & Accessories\Car & Truck Parts\Brakes & Brake Parts\ABS System Parts". The seller is "goldenlinesales" and is located in Austin, Texas.This item can be shipped to United States, all countries in Europe, Canada.


text:
Photo by Len Redkoles/NHLI via Getty Images
With the Flyers 3-1 loss to the New York Islanders Thursday night, the club has slipped from playoff contention and finds themselves in all too familiar position. Seven games are left on the schedule in the month of February and four of them are against teams firmly cemented into playoff spots. In light of this, I think it's important to remember where the Flyers are as an organization in tough times like this.
The Flyers are a playoff bubble team. They may make the playoffs this season, although it's just as likely that they miss. The club has been in this position for the last couple of seasons as Ron Hextall stresses patience and stocks the cupboard with prospects. There is no easy fix for the Flyers. This can't be stressed enough. Once Ron Hextall assumed the GM seat, he planned to prioritize internal player development above all else. He's done that so far and has turned the Flyers' farm system into something that has churned out some talent.
None of this, however, is a magic elixir that will cure all of the Flyers current aliments. Even with budding young talents like Konecny, Provorov, and Gostisbehere in the lineup this season, Philadelphia remains woefully inconsistent. It's a start to the team's roster makeover, but that will take time. Player development is never a steady, upward ascension to superstardom in the NHL. Young players experience peaks and valleys and will undoubtedly make mistakes. These mistakes often get magnified when said young players are asked to fulfill top six and top four minutes respectively. We've seen this mostly with Shayne Gostisbehere's play this season, but that's no reason to sour on the young defensemen.
Where the Flyers current issues stem from, is lack of talent. I don't believe it's a lack of leadership or effort. In fact, I think Claude Giroux is a fine leader. I think the team skates hard and comes to play most nights. Ultimately, the team lacks talent and struggle to score at even strength, which is essential to winning consistently. To many fans, this falls squarely on the shoulders of Giroux and Voracek, but that's unfair. It's a team wide issue. Wayne Simmonds, who routinely gets a pass from the fanbase, is not anymore of an asset 5v5 than the other two players. Brayden Schenn has regressed back to his inconsistent ways and Sean Couturier has spent large chunks of the season injured.
The Flyers need more from their top players, but the depth beyond them is virtually nonexistent. That help is coming in the form of young players in the system though, but nothing will fix their even strength woes overnight. It's only through what Ron Hextall has preached, that patience and internal development will win out over time, will things for the Flyers improve. Until then, the 2016-2017 is not over yet and the club should be concentrated on finding some offense and making the playoffs.


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Help! I've been contacted and accused of spam.
No problem... we are here to help. Not often, but we will send emails to explain that our organization is being accused of sending spam, on your behalf. Our priorities are to fix the spam, report results AND guarantee your service(s) go uninterrupted.
We typically recommend two courses of actions for you, and they are:
- hire an admin or IT buddy to help secure and fix the problem
- swiftly remove the domain that is sending emails (and getting complaints)
Once we get what we need, we'll take the next steps to remove and whitelist your domain and IPs.
All we ask, is that you explain how the spam abuse problem has been terminated or fixed.
Please, if there is anything we can do to assist, just let us know.
Just in case, you are curious to what the penalties could be, they may include:
- Termination of service(s) with or without partial refund
- Null routed IP and / or domain. Basically, you'll be eliminated
- An (automated) email, summarizing... "Hey buddy, please fix or say goodbye"
Looking for some helpful links that'll save you some time?


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Welcome to Whitefish at the Lakes Independent Plus, Assisted Living & Memory Care
Whitefish at the Lakes Senior Living offers the peaceful elements and convenience of home with the comfortable luxury of lake style living. Experience state of the art amenities, individualized services, experienced staff, and our Inspire Wellness program featuring activities to keep life fun! There are beautiful indoor and outdoor areas to socialize with family and friends, or cozy spaces to relax on your own.
Our Lifestyle Options
Our residents enjoy many options from Assisted Living to Independent Plus to Memory Support.
Find out what sets our team members apart as they offer only the best specialized care and support to our residents.
Floor Plans & Pricing
There are a number of different floorplans from which to choose. You can find the best one that suits your lifestyle.
Here you will find many resources to ensure that you live your best life and increase your standard of living.
A variety of wellness-focused activities and programs
Start your carefree lifestyle today.
Have a Question? Contact Us Today!
Whitefish at the Lakes Senior Living | 35625 Ostlund Avenue, Crosslake, MN 56442 | 218.210.0770 | Privacy Policy


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4 Tips to Sell a Home Fast
Being able to sell a home fast is one sign of a home that's well designed and well thought from the beginning. It means that it answers to a certain demographic and is able to capture a need in the market. But there is more to selling a home than just simply filling out an ad or placing a for sale sign upfront. Here are some techniques to flip that property in less than a month:
1. Fix your communication materials.
When letting people know that you are selling a home, make sure you are putting the best foot forward of the house by ensuring you are only using the best collaterals available. For example, having the high-resolution pictures of the space is par for the course and you can tap an upcoming photographer who may be needing a portfolio and would like to give his or services for free or for a minimum fee. No matter what happens, do not wing your visual representation. These pictures are items that you can use in several applications from posters, to flyers, to social media posts and whatever amount you have decided to invest in it will pay off in the end.
2. Show how the home can be.
Overly staged homes most likely do not get sold too as this inhibits the potential buyer from seeing what it could be. So instead of relying heavily on staging, take advantage of technology to help you stage the home in such a way that you can provide a view as to the kind of designs they can do with the space. Using 3D rendering services is one quick way to make this happen. Showing the home's potential helps the buyer decide on a visual level what he or she can do with the space and this plays a big role in speeding up their decision-making.
3. Tap into your network.
Instead of casting a wide net, focus on the people you know. Those will most likely refer you to the right people and help provide you with the right network to speak with to get this done immediately. Maybe a friend of a friend is moving in the neighborhood and needs a home fast? This level of networking helps you reach the right people at the right time instead of second guessing and asking randomly. You can also reach out to a select number of home resellers or brokers who may have some personal clients who need to transfer to a home in a few weeks.
4. Do not live in the home anymore
One best way also to sell the home fast is by no longer living in it. This communicates to the buyers that they can transfer in a matter of days if need be and there is really no waiting time as to when they can enjoy the new home.
5. Sell to investors.
If your home is in a bad condition and you don't have resources to renovate it, it is best to sell to companies who actually buy homes in whatever condition they are in. These are investors who buy homes with the intention of developing them and selling them later on for profit.


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Grange Road Ground update
A CURUFC/University Review Group was set up in January 2017 and short-term funding has been secured as a result of these discussions through a £90k one off grant to help the Club. In addition, the discussions had covered possible University assistance towards maintaining Grange Road, though nothing definitive on this has yet been agreed.
In terms of a possible development of the ground, the following three scenarios have been discussed:
1. Modest refurbishment of Grange Road
2. Relocation (at the request of the University)
3. Major redevelopment of Grange Road to include:
i. refurbishment of the Club House & the development of 2 or 4 new changing rooms
ii. replace floodlights
iii. new top quality artificial surface
The University has been most enthusiastic about option 3) to focus on Grange Road being a major University Sports location for field sports; one which could be used 40hrs a week. Discussions about this option have been progressing positively over the last year especially during the Michaelmas term of 2017 and in December 2017 the University gave its strategic backing to this project through its registration as a University capital project, which was an important and positive step forwards for the Club. However, this does not guarantee any University funding and the next step is to discuss with the University and other clubs, how finance can be secured for this project, which is likely to be a lengthy process and not necessarily guaranteed. Graham Virgo, Pro VC Education, is very much pro sport and in October he will become Senior Pro VC for the University. The project has been mentioned to local business and Club sponsors who are interested in these evolving steps.
These discussions are complex as they will involve the Ground Trust that owns the ground and Jesus College which possesses a covenant to the land) as well as the fact the land falls within the green belt, is designated as protected open space and is in a conversation area (along with the training pitch). Security over the use of the training pitch is an important part of the project.
The logical next steps are important for the Club to follow through on and would involve:
a) Talking through the evolving proposals with Jesus College
b) Meeting with the planners
c) Continuing to engage with/update the key decision makers
d) Continuing to develop closer links with the University
Discussions have been positive to date, however, challenging and protracted discussions are likely to lie ahead, and the project is not one within the Club's sole control. The Club's RL 150 Campaign plays a crucial part of contributing and influencing the outcome of these discussions. The University is more likely to financially support this strategic project if the Club is working hard to help itself with fundraising both through its alumni base and through local sponsorship.


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Swiss government to look into FIFA's Burma spendings
29.03.2011By Play the Game
Since the MFF is not the private property of Mr. Zaw Zaw, SECO had previously stated that FIFA could donate to the football federation without violating sanctions, but due to a FIFA rule stating that FIFA "shall effect payment directly to the contractual parties concerned in compliance with the contracts", the governing body has run into problems.
One of the Burmese recipients of FIFA funds for the construction of training facilities has turned out to be Max Myanmar Construction Co. Ltd., a company owned by Mr. Zaw Zaw and as such the donation is breaking Swiss sanctions.
According to the Burmese independent media organisation Democratic Voice of Burma (DVB), Swiss official Thomas Graff from SECO said that "SECO is in contact with FIFA to seek clarification of the allegations that appeared in the media. FIFA will make available to us all information we need."
He furthermore added that "SECO will not make a public announcement or comment on the results of the information sharing by FIFA".
DVB writes that FIFA refused to comment directly on the accusations, and only responded that it "has contacted SECO and explained the details of the project in Myanmar [Burma]. FIFA will provide all the necessary documents to the SECO."


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Recent developments in oil prices
Published as part of the ECB Economic Bulletin, Issue 1/2019.
Against the background of large swings in oil prices in recent months, this box assesses the key drivers of oil market developments. While demand has been relatively stable, supply factors have been the main driving force behind recent oil price volatility.
The past few months have seen a marked turnaround in oil prices accompanied by a strong increase in implied price volatility. After rising since the summer of 2017 and peaking at USD 86 per barrel in early October 2018, the Brent crude oil price has undergone a marked correction, falling by around 40% by the end of 2018 (see Chart A). A similar correction occurred four years ago. Oil prices dropped sharply in 2014 after a period in which Brent crude had traded at around USD 110 per barrel for several years. And in January 2016 prices fell to below USD 30 per barrel. These periods of oil price collapse tend to be accompanied by a high degree of uncertainty. Based on United States Oil Fund options, the Oil Volatility Index (OVX) captures expectations regarding oil price volatility in the near future. In November, uncertainty in oil markets reached levels last seen during the sharp drop in oil prices at the turn of the year 2014/15 and at the beginning of 2016.
Chart A
Oil price
(left-hand scale: USD per barrel; right-hand scale: index)
Sources: Bloomberg and Haver Analytics.
Notes: The Chicago Board Options Exchange (CBOE) Crude Oil ETF Volatility Index (OVX) measures the market's expectation of 30‑day volatility of crude oil prices by applying the VIX methodology to United States Oil Fund options spanning a wide range of strike prices. The latest observation is for 21 January 2019.
Shifts in sources of oil supply have been an important driver of oil prices following the advent of US shale oil. Since 2011 US shale oil production capacity has expanded greatly, allowing the United States to compete with two of the world's largest oil producers, Russia and Saudi Arabia, in terms of daily extraction volumes.[1] Advances in extraction technology and investments in pipeline systems and rail capacity have allowed US producers to expand production, making the United States an important factor in global oil supply. Its share in aggregate supply increased significantly between 2011 and the summer of 2014 (see Chart B). In late 2014 members of the Organization of the Petroleum Exporting Countries (OPEC) appeared to change their strategy, abandoning production quotas in an attempt to regain market share and, according to some market analysts, crowd out US supply by driving oil prices below levels at which US shale oil producers could be profitable.[2] OPEC's actions led only to a short-lived curtailing of shale oil production. In late 2016 it had to reconsider its approach as global demand worries led to further declines in oil prices. In addition, OPEC's strategy had put strains on the public finances of its members and fiscal sustainability indicators deteriorated sharply between 2014 and 2016 for most OPEC countries.[3] Once oil prices started to increase again in 2017, US producers quickly regained market shares.[4]
Chart B
Market shares of oil producers
Sources: International Energy Agency and ECB staff calculations.
Note: The latest observation is for December 2018.
The most recent swings in oil prices towards the end of 2018 were also driven by significant shifts in the market's assessment of oil supply prospects. Despite increasing US production, oil prices rose during the first three quarters of 2018 as market participants focused on falling production in Venezuela and the prospect of lower Iranian exports after the US withdrawal from the 2015 Iran nuclear agreement. In May 2018 the United States announced that it would reimpose sanctions on Iranian oil exports, starting from November 2018. By October 2018 Iranian oil exports had already decreased by about 0.35 million barrels per day.[5] At the same time, the market had been concerned about whether OPEC would react by increasing production to compensate for the loss of Iranian production in global markets. Starting in early October, however, there was a marked correction in prices. Saudi Arabia and Russia provided reassurances that they would indeed increase production if needed after the implementation of the sanctions. Further downward pressure came from the US Government's decision to grant six-month waivers for imports of oil to key customers of Iran. Together with major non-OPEC producers, OPEC agreed on production cuts in early December 2018. However, the proposed cuts were at the lower end of what markets considered necessary to have a lasting impact on prices, while there were also doubts about the extent to which members would comply with the production cuts.[6] Consequently, the decline in oil prices did not halt until the beginning of 2019 after initial indicators for December pointed to a significant drop in OPEC production.
Growth in aggregate demand for oil has been more stable over recent years, but is expected to decline in 2019. Over the past decade, energy consumption in non-OECD countries, particularly in China, has been the main driver of global oil demand (see Chart C). However, rising demand in emerging and developing economies was balanced by slowing demand in OECD countries. More recently, with economic expansion having slowed somewhat in emerging and developing economies, there has been a degree of convergence in oil demand growth in OECD and non-OECD countries. With global economic activity expected to moderate somewhat during 2019, forecasts for oil demand growth have been revised downwards by the International Energy Agency in recent months. This has put additional pressure on prices, particularly in the second half of December, amid a broad-based correction in global financial markets.
Chart C
Oil demand
(annual percentage changes, quarterly data)
Sources: International Energy Agency and ECB staff calculations.
Note: The latest observation is for the fourth quarter of 2018.
Although diminished, the role of OPEC and the other major producers that cooperate with OPEC remains an important factor in oil price dynamics. Large conventional "swing producers" like Saudi Arabia still play an important role. For example, it is still only OPEC countries that have sufficient spare capacity to increase production in response to sudden peaks in demand.[7] Nonetheless, OPEC's strategy of lowering oil prices in 2014 and 2015 did not succeed in permanently crowding out US shale oil production, suggesting that, over longer horizons, OPEC's ability to stabilise prices around desired levels has diminished. While conventional extraction methods are usually less costly than shale oil production, most traditional oil-exporting countries need higher oil prices to balance their public-sector budgets.[8] However, the shale revolution has helped to limit upward pressures on oil prices, as US production tends to increase once prices rise above break-even levels. According to an energy survey conducted by the Federal Reserve Bank of Dallas, operating existing wells can be profitable in a price range of USD 25‑35 per barrel. For the exploitation of new wells, however, producers need prices to be somewhat higher (see Chart D).
Overall, the shale revolution has change the structure of the oil market. OPEC strategies now need to take into account the endogenous reaction of shale oil producers. Competition from shale oil may reduce the power of traditional oil producers to drive up prices beyond a given level over long horizons. At the same time, the process of OPEC adapting its strategies to the new source of competition has introduced some volatility in oil prices in recent years, including during the second half of 2018.
Chart D
Break-even oil price for US producers
(USD per barrel)
Source: Dallas Fed Energy Survey.
Notes: Average prices necessary to cover operating expenses for new and existing wells across regions. The reference price is the West Texas Intermediate (WTI) oil price, which trades on average 10% below the Brent crude oil price. The data are based on a survey conducted in the period 14‑22 March 2018.


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Top Searches: laser cutting machineCNC laser cutting machinelaser cutterdual head laser cutterco2 laser cutter
Dual head CO2 laser cutter has double table, blade table and honey comb table, which is mainly used for home shop and home business, now the best CO2 laser cutter for sale at an affordable price.
1. Taiwan HIWIN square linear guide rail installed on X Y axis, make sure the works stably and precisely.
2. The professional manufacturers adopts square tube framework in China, with more than 40% higher fuselage strength than iron sheet structure. This design prevents the machine from quivering, resonance and distortion during long term work.
3. New-style high-efficiency RECI laser tube is adopted. Laser beam is more stable than the traditional type. Usage age is more than 10000 hours.
4. Red dot position system is added in standard configuration, contributing to simple and precise working position.
5. Advanced LCD Screen+ USB port+ Offline Control,with professional motion control chip, has the function of consecutively high-speed curve cutting and the shortest path selection, which largely improves your working efficiency.
6. USB offline control system makes the operation more convenient and faster.
7. Automatic up-down table can be chosen for thick materials and high objects.
Applicable Industries: Applied to acrylic, cloth, leather, toys, computer embroidery cutting, mould, crafts, bamboo and wood, advertising and building decoration, packaging and printing, paper products industries.
Applicable Materials: Available for engraving and cutting acrylic, color plates, ABS board, rubber, plastic, cloth toys, leather, wool, crystal, glass, ceramic tile, jade, bamboo products, wood products.
Working area
Laser power
80W RECI Brand (150W,130W,100Wfor option)
Laser type
CO2 sealed laser tube,water-cooled
Driving system
3 phases leadshine brand stepper motor
Fulong brand Belt transmission
Guide way
Taiwan Hiwin Square guide rails
Control system
Ruida control system RD6442
Lens and mirrors
3pcs mirrors and 1pcs lens from Singapore
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Blade table or Honeycomb table for option
Water chiller
Engraving speed
0-7500mm/min (According to the materials)
Cutting speed
0-4000mm/min (According to the materials)
Power supply
Graphic format supported
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CorelDraw, PhotoShop, AutoCAD,TAJIMA
Up-down worktable
Auto focus
Red pointer
Optional parts
Rotary device
CCD camera
International Shipping Around the World
All the CNC laser machines can be shipped worldwide by sea, by air or by international express logistics via DHL, FEDEX, UPS. You are welcome to get a free quotation by filling up the form with name, email, detailed address, product and requirements, we will shortly contact you with the full information including the most suitable delivery method (fast, secure, discreet) and freight.
I received my laser machine packaged well in a wood case. Once we had everything setup and tested it out I am super happy with my purchase! Thanks for STYLECNC's sales staff contacted me to confirm if I need help, but this laser cutter is very easy to operate, I can do it myself.


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Coscelia 20/40/80Pcs Gel Polish Set 10ml Gel Soak off Nail Tools Kit
SKU: ABFCSF200015EL Coscelia
Brand Name: COSCELIA
Item Type: Nail Gel Polish Soak off Gel
Volume: 10ml
Ingredient: Resin
Certificate: SGS/ MSDS
Cured: LED or UV Lamp
Lasting Period: 2+ weeks
Soak off: Remove with Acetone
Features: Non-toxic, Multi Color, Healthy, Eco-friendly, Easy to Use and Remove
Occasions: Party, Daily Life, Wedding, Professional Salon, etc.
Package Include: 20/40/80 x 10ml Color Gel
Keep the product out of reach of babies and children to avoid accidental eating;
If allergies or adverse reactions occur, discontinue use immediately.
Please keep it in a cool dry place , avoid direct sunlight.


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From the company that brought you Dolly Parton's 9to5 Musical, Summer Holiday, Priscilla, Queen of the Desert, the award winning musical, Grease, The Lyric Club are back and proud to present the hilariously funny USHERS: The Front of House Musical.
Following a working shift in the lives of the stagiest people in the theatre – the front of house staff, portraying the hilarious, ridiculous and frequently moving stories of ice-cream and programme sellers who dare to dream…
A preview performance of a new jukebox musical is due to take place, a three-year workplace romance is on the rocks, an untrained newbie is working her first shift and the amorous manager is under pressure to cut costs. What could possibly go wrong?
Ushers will run at Webster's Theatre from Thursday 7th November – Saturday 9th November at 7.30pm and a 2.30pm matinee on Saturday 9th.
USHERS: The Front of House Musical
Music by Yiannis Koutsakos
Lyrics by James Oban & Yiannis Koutsakos
Books & Additional Lyrics by James Rottger
This is an amateur production presented by special arrangement with KOUBAN
Production Team
Director – Roy McGregor
Musical Director – Alistair Peter
Choreographer – Elaine Watt
Ben – Brendan Casey
Gary – Cole Stewart
Lucy – Rachael Adam
Rosie – Rachael Hepburn
Stephen – Ross McKune
Robin – Colin McGowan


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Standardized tests with reading comprehension components like to throw in inference questions. Their purpose is to see if you can understand how the author feels about a certain topic or if you can draw conclusions from information that is not presented directly in the text but which is implied.
When you're reading to answer inference questions, it's important that you understand the main ideas of the passage. Don't focus too much on the details. Then understand how the main ideas are connected. Look at the way the paragraphs are organized. Determine what the author's purpose is in writing the text. What are they trying to convince you of?
When you read an inference question, try to put it into your own words. This will help you to understand the question better. They may use phrases like "could be interpreted to say" or "hints/suggests that."
Read the text for words like "except" or "however" that indicate perhaps how the author feels about the topic or that indicate a contrast or comparison of ideas. You probably won't find the answer to the question in one place, so look around the text to find the answer to the question. You need context to be sure you answer the question correctly.
Ignore answers that are obviously wrong. This will help you in identifying the correct answer if you get stuck between two at the end. You may find answers that say the opposite of what is said in the text or perhaps a few pieces of the answer are right but not all of them. Answers that are likely to be wrong are ones that contain exclusive words, such as "always" or "none."
Make sure that the answer you select is not one that is only a "possible" answer. There is only one right answer, so you don't want an answer that just seems like it might be the right answer. You need to find the one that IS.
Inference questions don't have to be that tricky to answer. It takes reading the text for main ideas, understanding connections, and being able to identify information that is not directly stated from context from different parts of the text.


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A baptism is a milestone unlike any other; it signifies a moment of redemption and grace in one's religious journey, whether it happens as an infant or an adult. This experience is one of the most important aspects of being a Christian, and it should be celebrated for being such a wonderful occasion.
To help share life's joy, we have several meaningful, personalized ways to celebrate a baptism. Commemorate this rite of passage with an elegant custom glass print featuring baptismal photos, or perhaps a framed photo print to hang on your walls. If you've been named a godparent for a child's baptism, consider a personalized card with a hopeful message for their faith to read as they get older. At the core of all Shutterfly gifts is thoughtfulness. Don't let this momentous occasion pass without remembering and recollecting it.
If you have gathered more than just a few photos from the christening, a baptism photo book might be the perfect way to capture this sacrament. For adults, your baptism marks a conscious choice – a moment that will stay with you forever. For children, christening is something that happens before it can be remembered, but it's an important milestone that sets your religious path for many years.
Baptism gifts can be a wonderful way to stay interconnected with your faith, traditions, and family. They can help keep important tenets alive, and it strengthens the bonds between you, your family community, and your loved ones. We are committed to creating timeless, high-quality items that represent you. Create your baptism gift today.


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Passing your psychometric tests first time is not easy. After all, unless you're the kind of character who practices tests for fun, the chances are they'll represent a whole new experience for you. Make things a little easier for yourself by reading these 7 top tips to help you pass first time.
1) Question practice is key
Research has shown that question practice is the most effective way to improve your psychometric test performance. It's essential that you have access to high quality questions so make sure that choose a practice website which offers questions which have been developed with chartered occupational psychologists. All our tests have been developed with ex SHL and KENEXA chartered occupational psychologists.
2) Get used to working under exam conditions
Psychometric tests are stressful primarily because you are required to complete them under extreme time pressure. If you practice under timed exam conditions and stick to timings i.e. don't spend too long on any individual question then you should find your real assessment less stressful and this should boost your performance.
3) Focus on your weak areas
We all like doing what we're good at but you can boost the effectiveness of your revision time by focusing on the tests and questions you find the hardest.
Invest time reviewing questions you get wrong after each test.
All our members have access to their own personal dashboard where they can review the questions they got wrong and identify their weakest areas. This has been shown to boost the efficiency of revision time.
4) Research is essential
It's tempting to dive straight into your test when it first appears in your inbox but take time to thoroughly prepare for your psychometric test. Preparation is not just question practice; make sure you read all the instructions carefully. Do some research about the company you are applying to, if you're applying to a big graduate recruiter visit our top employer profiles page.
5) Ensure your Internet browser is updated
Test publishers are constantly updating and amending their assessments. This includes questions and technology. Make sure your browser is up to date prior to starting your assessment. Google Chrome or IE are good browsers to choose.
6) Don't cheat
It might seem tempting to get a friend to help you if you've been asked to sit a psychometric test remotely. Many employers retest candidates during an assessment centre. The pattern of your responses from the two tests will then be compared to identify cheats.
7) Plan your revision time
Planning and being fully prepared is key to passing your psychometric test. Ensure you set aside time for question practice – it's best way to improve your scores and pass first time.
Become a member of PracticeAptitudeTests.com and get access to your own personal test dashboard with your full test history as well as access to hundreds of quality practice questions.


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We'll be having our April Monthly Meeting Thursday, 7pm to about 8:30pm, held at Westminster Presbyterian Church.
If you have anything to share and report, please let our reporter know. You can use this contact form if needed.
Before the meeting, please check out the post on the Brazos Food Bank signup. Follow the doodle link and add yourself if you want to volunteer. We'll need this information for the meeting.
Lately, our meetings have had light attendance. I'm asking that club members please make time for monthly meetings, particularly this one as we will be nominating and electing club officers. (Officer inductions will take place at the May meeting.) If you need officer handbooks, you can check out the post Monthly Meeting 3/22 that has links to that information.
At this meeting, we will be voting on an important bylaws amendment. Also, we'll talk about end of year items and recordbooks. Thanks and see you there!


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"A barking dog doesn't bite."
"Before marrying look at what you are doing."
"One who raises a child spins gold."
Artist Marc Shanker brings these wise Ladino proverbs back to life — along with a splash of whimsy — in "Traces of Sepharad," a series of etchings on exhibit at the Osher Marin JCC in San Rafael.
"My mother's side of the family was Sephardic," said Shanker, 70, who grew up in Brooklyn, New York, surrounded by extended family. Every Sunday, the whole mishpocha — his grandparents, aunts and uncles — got together for food and lively conversation.
"Everyone spoke Ladino," Shanker said in an interview from his home in New York City, and "they would always use these pithy proverbs."
Ladino, also known as Judeo-Spanish, is the language passed down through the generations by Jews of Spanish origin.
Shanker's grandfather, who barely spoke English, loved to spout Ladino proverbial truisms. "Pops spit out proverbs," Shanker told an audience of 40 at a Jan. 26 reception at the JCC in San Rafael. "They were truth. Discussion ended, case closed."
Shanker's etchings, which also appear in his book "Traces of Sepharad," are "my way of showing gratitude for all the suffering that allowed me to be here today," he said, referring to the Spanish Inquisition. Shanker's maternal grandparents emigrated from Salonika (then under rule of the Ottoman Turks) to the United States in 1917.
His book includes 45 etchings, along with essays by Shanker, Spanish novelist Antonio Muñoz Molina and T.A. Perry, a Sephardic and biblical scholar.
While Shanker is serious about honoring the oral tradition of the Judeo-Spanish culture that once infused his family, his artwork also reflects his sense of humor.
A self-taught artist, he describes his style this way: "Sort of primitive. Naive. Childlike." And he describes a proverb as "a short sentence drawn from long experience."
For much of his professional life, Shanker worked for the hospital workers union. He began his career teaching blind people how to travel, and then moved up the union ranks to become comptroller, health policy director and head of its benefit fund.
I had no idea what an artist was. I had never even been to MoMA. — Marc Shanker
He only got into art after college, when he "fell in love with an artist," accompanied her to museums and spent time in her studio. Before that, he said, "I had no idea what an artist was. I had never even been to MoMA," New York's Museum of Modern Art.
Shanker pursued art as a hobby for the next 15 to 20 years, making paintings, collages and drawings. Yet "I was doing all this work, but I didn't know where I was going or why. I had no compass," he said.
Then he did some drawings of proverbs he'd heard growing up, and got positive feedback from an arts and literary magazine. "I thought, maybe this could be a book."
Shanker, who knew nothing about bookmaking at the time, began collecting Ladino proverbs from around the world.
"I immersed myself in Spanish culture," he said, studying 11th-century art and music, attending lectures and reading a lot.
It took him 3½ years to do the etchings — an intensive process involving copper plates, chemical washes and a hand-cranked press. "If you make a mistake," Shanker said, "it could take weeks, sometimes, to correct it."
Shanker's work also will be shown at the Addison-Penzak JCC in Los Gatos from May 5 to June 20. His etchings have been exhibited at various venues, from the Center for Jewish History in New York, to as far away as the Netherlands.
"I really think that art should be a bridge between people, if possible," Shanker said.


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Israeli DTH company Yes has been accused of charging customers for VOD transactions without their customers consent.
A new class action says that Yes and an unnamed fellow pay-TV operator have been overcharging subscribers by signing them up to 'automatically renewable time limited transactions' without their consent.
The move is said to be contrary to local consumer protection laws.
The signatories are seeking to be refunded the money they have been overcharged, which could present Yes with a bill of tens of million shekels.
Yes said it was evaluating the claim and could not say whether the signatories had a chance of success.