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Predictive Coding
Axcelerate eDiscovery Results
Read the White PaperEfficient and Effective Review
Read the Case StudyPredictive Coding in Action
Watch the VideoWhat is Predictive Coding?
Predictive Coding is a court-endorsed process that combines people, technology and workflow to find key documents quickly, irrespective of keyword. Due to its massive accuracy and efficiency gains, Predictive Coding is revolutionizing how Early Case Assessment (ECA), analysis and document review are done. Predictive Coding has three components:
Case experts use Predictive Analytics to find key documents quickly and irrespective of keywords
Keyword-agnostic machine learning finds other relevant documents
Proven workflow with integrated sampling delivers results to a statistical certainty
Recommind developed Predictive Coding in partnership with some of the world's leading enterprises and law firms. Recommind customers have been using Predictive Coding for the past 5 years.
What does Predictive Coding require?
Predictive Coding requires ALL of the following:
- Input from a case expert
- Keyword-agnostic analytics to find key documents and create seed sets
- Proven workflow to deliver statistically certain results
- Iterative machine-learning to "find like this" based on meaning not keywords
- Integrated sampling for certainty and unparalleled defensibility
What does Predictive Coding not do?
Predictive Coding does not replace human review. It optimizes it. The solution takes all the documents related to an issue, ranks and tags them so that a human reviewer can look over the documents to confirm relevance. The beauty of this technology is that attorneys can use human decisions to teach the computer, making the relevancy suggestions more accurate over time.
What is Technology Assisted Review?
Technology Assisted Review (TAR), also known as Computer Assisted Review, is not Predictive Coding. Technology assisted review includes aspects of the non-linear review process such as culling, clustering and de-duplication, but TAR does not meet the requirements for comprehensive Predictive Coding as outlined above.
Many technologies assist in making incremental reductions in eDiscovery costs, but only fully integrated Predictive Coding is able to completely transform the economics of eDiscovery.
Patented Predictive Coding Technology
The proprietary technology and deep knowledge behind Recommind's Axcelerate eDiscovery differentiates it from late comers in the market. The Predictive Coding patent and additional patents pending give Recommind, its customers and its partners exclusive rights to use, host and sell systems and processes for iterative, computer-assisted document review.
Traditional eDiscovery software relies on linear review, a tedious, expensive and error-prone process in which teams of contract attorneys review hundreds of thousands of documents one at a time. With a small amount of information from a knowledgeable attorney, Predictive Coding uses machine learning to categorize and prioritize any document set faster, more accurately and more defensibly than contract attorneys, no matter how much data is involved.
By giving human reviewers computerized assistance, Predictive Coding saves 60 to 90 percent on review costs – savings that can easily reach millions of dollars per case or across several small cases.
In addition, only Recommind has the patented CORE® technology that automatically understands the latent concepts within an entire document collection. Predictive Coding's use of this sophisticated technology provides a much more thorough and accurate review, providing the highest degree of accelerated cost and time savings in the market.
To learn more about Recommind's CORE technology, read the whitepaper Finding Information: Intelligent Retrieval and Categorization.
How Predictive Coding Works
Axcelerate's patented Predictive Coding process is based on Recommind's unique probabilistic latent semantic analysis ("PLSA") technology and includes a defensible workflow to conduct automated review and coding. Predictive Coding makes a computer-generated judgment - with explicit confidence score - about the relevance, responsiveness, and/or privileged nature of each document. This capability allows outside counsel and their clients to dramatically expedite the actual review process while concurrently improving accuracy and lowering the risk of missing key documents.
Predictive Coding: The Next Phase of Electronic Discovery Process Automation
Produced by the Enterprise Strategy Group (ESG), this white paper addresses the necessity of predictive coding in the context of broader trends in legal sector automation and outlines considerations for comparing and evaluating different approaches in the market.
Read the Predictive Coding white paper here
Predictive Coding Explained
Authored by Recommind's Chief Technology Officer, Dr. Jan Puzicha, this white paper focuses on the technology and workflow behind this groundbreaking document review process, pioneered and patented by Recommind.
Read the Predictive Coding white paper here
WilmerHale Dramatically Upgrades Review Capabilities, Ensures Quality Control with Axcelerate Review & Analysis
After careful consideration and thorough product trials, WilmerHale selected Recommind as its technology partner to develop an innovative approach to eDiscovery. In this case study, learn how Wilmer uses advanced analytics and non-linear review to provide its clients with better, quicker matter insight and more predictable document review costs.
Read the WilmerHale Predictive Coding case study here
Axcelerate Review & Analysis Reduces Time and Expense for Fulbright & Jaworski
Learn how Fulbright & Jaworski was able to increase first pass review quality and reduce the length and expense of review by leveraging Axcelerate eDiscovery's Predictive Coding.
Read the First Pass Review case study here
Eimer Stahl Gains Faster, More Consistent Document Review with Recommind
In this case study, read how Eimer Stahl, a boutique law firm specializing in complex commercial litigation, used Axcelerate Review & Analysis with Predictive Coding to reduce resources and overall cost of its document review.
Read the Eimer Stahl Predictive Coding case study here
The Defensibility of Non-Human Document Review
In this BNA article, WilmerHale attorneys Robert W. Trenchard and Steven Berrent explain how combining advanced search with statistical testing results in a process that can satisfy the Federal Rules' requirements for a ''reasonable'' review.
Read the eDiscovery Defensibility article here
How Fulbright & Jaworski Transformed Its Document Review
In this Legal Tech Newsletter® case study, read how Fulbright's strategic deployment of Axcelerate eDiscovery, and particularly its Predictive Coding technology, revolutionized the firm's document review process.
Read the Predictive Coding case study here
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The post Ask the Magic 8-Ball; "Is Predictive Defensible Disposal Possible?" appeared first on Recommind.
April 15. Unless you are a tax lawyer this day likely is not one of your better days. Even if you are a tax lawyer, you know that today will be the longest day of the year (next to the last day of the firm's fiscal year as you await that check the client promised […]
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April 1 has come and gone, and the legal profession remains eager with anticipation to see what the overall impact will be from the recently enacted Civil Justice Reforms in England and Wales. The reforms, often referred to as the Jackson Reforms based on the January 2010 report of Lord Justice Jackson which served as […]
The post Lords of the Files appeared first on Recommind.
It's that time of year. Law offices across the country have been slightly understaffed the past few weeks, but for most of us Spring Break 2013 is now a memory. Beautiful blue skies, nice weather, and free flowing libations at a scenic resort in southern California; yep, San Diego this time of year is the […]
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Predictive Coding Training Program
The goal of the program is to provide a clear understanding of what Predictive Coding is, how it works, how it is employed and how attorneys and litigation support staff can get started using it. The program offers deliveries proficiency training for three levels: Predictive Coding Reviewers, Predictive Coding Strategists and Predictive Coding Sys Admins.
In light of the ground-breaking opinion in DaSilva Moore v. Publicis approving the use of Predictive Coding, Recommind is offering a three-tiered educational campaign on Predictive Coding for Reviewers, Strategists, and Sys Admins.
The goal of the program is to provide a clear understanding of what Predictive Coding is, how it works, how it is employed and how attorneys and litigation support staff can get started using it.
Predictive Coding Reviewers:
Training: Gain the knowledge and skills to maximize efficient and productive use of Axcelerate Review process including:
- Predictive Coding workflow
- Optimal use of all Axcelerate tools in the workbench: Filters, review choices, document view options, redaction
- Best practices for templates, searches, advanced searches
Predictive Coding Strategists:
Seminar: "Predictive Coding: The New Economics of Document Review"
Attend a seminar to hear from an experienced professional on Predictive Coding and how it is changing document review in the legal industry. These seminars are open to: Corporate counsel, assistant general counsel, litigation counsel, law firm litigation partners, senior associates, eDiscovery team members, and paralegals.
Strategist Training: Gain the knowledge and skills to oversee the whole review or investigation process including:
- Knowledge and skills to manage all steps and phases of the PC workflow
- Knowledge of best practices including:
- Advanced workflow
- What/how to effectively use sampling
- Management of adding data
Seminars are open to Senior Attorneys.
Strategist Training is open to Recommind Customers and Partners only.
Predictive Coding Sys Admins:
Sys Amin Training: Gain the knowledge and skills to configure, maintain and enhance the technical environment for Predictive Coding workflow, manage and perform ingestion of data stores, productions, log analysis, server architecture best practices, configuration files and connectors.
Sys Admin Training open to Recommind Customers and Partners only.
Traditional linear review is a manual, expensive, time-consuming and error-prone process, requiring teams of legal professionals to review hundreds of thousands or millions of documents one page at a time to determine relevance to the case.
On the other hand, Predictive Coding utilizes iterative machine learning to produce a computer-generated judgment with an explicit confidence score about the relevance of each document. This capability allows counsel and their clients to dramatically expedite the actual document review process by prioritizing each document while concurrently improving accuracy and lowering the risk of missing key documents.
The savings calculator below first calculates the projected cost of review using a traditional linear review strategy. Then a projected cost is calculated using Recommind's Predictive Coding application. Enter in the approximate number of GB of data for your case, adjust the approximate number of documents per GB if needed and hit "Calculate" to see your estimated savings:
The end result with Predictive Coding is human reviewers actually read a much smaller percentage of the corpus. In most cases you will see a 75% to 95% cost and time savings when relying on Predictive Coding for document review over that of traditional linear review.
To learn more about how Predictive Coding works, download the whitepaper or watch the webinar.


text: Rasheed's sharknosed beautyAtlanta, Georgia, native Rasheed Nowell came out to California to visit some friends and left with a sickness for baggers. With Rasheed already owning one of the nicest Deluxe Softails in the Dirty South and thinking that baggers were for old folks, it only took that one trip to LA to change his outlook on the Harley-Davidson FL series of bikes. After getting home, he put the Deluxe on the chopping block and decided to buy himself a nice 40th birthday present in the form of a 2007 Road Glide. A few days of keeping his bike purchase a secret passed. He finally had to spill the beans and fess up to his wife about what he had done. Surprisingly, she took it very well, he told us. With the cat out of the bag, it was on to phase two. Owning a box-stock bike is just not Rasheed's scene, so he started making a wish list of what upgrades he wanted on his bike. A few weeks later on the actual day of his birthday, his wife duped him into going to have a quiet birthday dinner that actually turned out to be a huge surprise party in his honor. All his friends and family were there with most of the parts he had written on his wish list as well as a pile of gift cards from his favorite Harley dealership. He was floored that so many people would take interest in his hobby. Even the Arlen Ness wheels were a gift from a special someone. The day after his party, Rasheed showed up at Great South H-D with a truckload of parts from FBI, Klock Werks, Arlen Ness and Bad Dad, to name a few. Not to be upstaged with just another pretty bike, Tweet the parts manager at Great South also made sure the bike would have plenty of power in the form of a Screamin' Eagle 110 upgrade and some S&S gear-driven cams. One thing to note: Rasheed did not even ride the bike one time before it was taken down all the way to the frame. He wanted it the way he had it drawn up in his mind's eye and would take nothing less. During the five months it took to build the bike, Rasheed stayed tight-lipped about it, but the only thing he let slip was the color. So after the 20th one of his friends asked, "Where's the Orange Crush at?" the name stuck sight unseen. When the bike was finally finished and ready to ride, the first time the Orange Crush ever hit the road it picked up both Best H-D and Best in Class at the World of Wheels Show. After Rasheed spoke with his longtime friend Ronnie Cooley and told him how much people were digging his ride, Ronnie told him that he had to get the bike down to Daytona for some fun in the sun, and that is where we caught up with him for this shoot. At first sight of the bike at the Rat's Hole show, we knew Rasheed had an eye for color and chrome. Early the next morning, it was in front of our cameras on the beach just for the simple fact that we wanted to show the rest of y'all how a truck driver from Georgia does it. Big ups to Rasheed for stealing a bit of the LA style and bringing it home to the ATL. 1 | 2 | » | View Full Article By Jeff G. Holt Enjoyed this Post? Subscribe to our RSS Feed, or use your favorite social media to recommend us to friends and colleagues!

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All-Terrain Art
An auto shop has become one of Rockland's most popular galleries.
Photograph © Nobilior/Dreamstime.com
The wine was flowing and the hors d'oeuvres were plentiful at the opening reception for the "Nine by Nine" art exhibition in Rockland. Stell Shevis, one of the featured artists, sat smiling as gallery-goers milled about the room. Hanging on the wall behind her were nine, nine-by-nine-inch paintings, each tagged at ninety-nine dollars. Eight similar groupings graced adjacent walls, as did a gray metal slot rack filled with work orders and adorned with dangling keys. To Shevis' left, Car and Driver magazines covered an end table. Kitty-corner from her perch, a fat automobile tire crowned a display stand. No industrial-chic venue, this art gallery; it really is an auto garage.
Or, more accurately, it is the waiting room for one. Housed in a corrugated metal box of a building just a couple blocks west of Rockland's artsy downtown, Eastern Tire has been hosting exhibits by the Nine Lively Ladies for eight years. It began when Lively Lady and Eastern Tire customer Nancy Fitzgerald took note of owners Alvin Chase, Sr., and Alvin Chase, Jr.'s art collections in the reception area. Fitzgerald asked if there was room for the Lively Ladies' works. The Garage Gallery was born.
The Nine Lively Ladies trace their roots to a mixed group of midcoast artists who painted together once a week. "In summer, we painted en plein air. In winter, we hired nude models and painted indoors," Stell Shevis recalls. "After we stopped the nude models, the men dropped out."
These days the Lively Ladies forgo outdoor painting for Shevis' Camden studio. "We've gotten older," explains Stell, who at ninety-seven ("and a half!") is the matriarch, not just of the Lively Ladies, but also of the local art scene. She and her late husband, William "Shev" Shevis, co-founded Haystack Mountain School of Crafts and Maine Coast Artists Association (now the Center for Maine Contemporary Art), and they illustrated dozens of Down East covers, including the August 1954 inaugural issue.
"Nine by Nine," a recurring theme, is the most popular of the Lively Ladies' Garage Gallery three yearly shows. Works stay on display for several months, transforming routine oil changes into cultural outings. "We took some healthy ribbing for it at first," Alvin Chase, Jr., says, "but the way we look at it, if you're forced to sit and wait, you don't want to look at a tire on the wall." — Virginia M. Wright


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Sport: 100m, 4x100m relays
Gender: Male
Birth date: June 28, 1987
Birth place: Toronto
Residence: Markham
Olympic experience: None
Twitter account: @justynwarner
MARKHAM -- Justyn Warner is on the fast track to London.
The Markham sprinter will represent Canada in the 100 metres and the 4x100m relays at the Summer Olympics.
He won the 100m at the Canadian trials in Calgary, beating not only the competition, but also bettering the Olympic standard of under 10.18 seconds. Warner finished in a blistering 10.15.
"Once I realized I hit the standard I couldn't believe it. I was kind of overwhelmed that I was actually going to be going to London to represent my country," he said.
Warner was a three-time All-American while attending Texas Christian University.


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Published August 16, 2012, 04:38 PM
On Faith: Learning to trust God
A friend and fellow pastor told me about their Senior Recognition Sunday, held this past June for the graduating seniors from their church. My friend had focused his service in terms of preaching and prayers around this event, and it worked perfectly, except for one thing-- no graduating seniors showed up! In the swirl of events, and for a variety of reasons, none of them were able to attend and no one was aware of it. Which can only mean-- it's time for plan B!By: Susan Berge, pastor, Knife River Lutheran Church, Lake County News Chronicle


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NY man asleep in drive-through faces DWI charge
Posted at: 02/18/2013 6:33 AM
By: Associated Press | WHEC.com
A western New York man faces a drunken driving charge after he passed out behind the wheel in a restaurant drive-through lane.
Chautauqua County Sheriff's deputies were called to a Tim Horton's restaurant in the western New York town of Hanover at 3:45 a.m. Saturday. They found 24-year-old Eladio Merced of Dunkirk asleep in his running vehicle in the drive-through.
Merced was arraigned on a charge of driving while intoxicated and sent to Chautauqua County Jail to await a future appearance in Hanover Town Court.
Have a story you want our news team to investigate? Call us at 585-232-1010, click here to send us an e-mail or leave us a Facebook post or tweet.
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November 27, 2013
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FDA MedWatch Spacelabs Healthcare Inc Spacelabs Anesthesia Workstations
November 26, 2013
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"Version 5010 only allows the reporting of minutes for anesthesia time, ensuring consistency and clarity across transactions. Version 4010/4010A lacks consistency in allowing for the reporting of anesthesia time, in either units or minutes. This inconsistency creates confusion among providers and plans, and frequently requires electronic or manual conversions of units to minutes or vice versa, depending on a health plan's requirement, and is especially complicated when conducting COB transactions with varying requirements among secondary or tertiary payers."
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The Innocents Within"Also living in the rectory, as much loved by the pastor as his own children, is a German Jewish girl whose parents disappeared in the first weeks of the war. The pastor and his wife took her in as a child. Now eighteen, she has grown into a beauty."--BOOK JACKET. "Into this mix, badly wounded, crashes an American fighter pilot who is scarcely older. He is brought to the rectory."--BOOK JACKET. "Centered on a real village and real people who defied the Nazis, The Innocents Within is about courage and love, religion and danger. Most of all it is a study of innocence against a background of the most monstrous evil ever known."--BOOK JACKET. |
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Review: The Innocents Within: A Novel
User Review - Grace - GoodreadsThis is a historical fiction book based on real events that happened during WWII in France. I was completely blown away by it's presence in a Reader's Digest book, so I enjoyed it while it lasted. I ... Read full review
Review: The Innocents Within: A Novel
User Review - Theresa Hollis - GoodreadsThis story was based on real life experience of the Pastor in the story and makes for a great read, without giving anything away it makes you realise just how brave these people were to deify Hitlers regime, I enjoyed this book and would recommend it. Read full review
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Full text of 48 of Sir Arthur Conan Doyle's classic stories.
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A variety of books and other documents collected in the subject areas of English literature, American literature, and Western philosophy. (University of Berkeley)
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Classic, lost, and full hypertexts of American literature (University of Virginia).
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American poetry prior to 1920 (University of Michigan Humanities Text Initiative and the University of Michigan Press).
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Thousands of entries sorted by author's name. Covers different time periods, languages, and subjects.
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Books by T.S. Eliot, Robert Frost, Theodore Roosevelt and more than 40+ authors.
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Features out-of-print volumes of poetry by various authors (Supported by the Connecticut College Department of English and the Connecticut College Libraries).
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From Milton to Byron, many eighteenth-century works publicly available. Arranged by authors.
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Mainly literature eBooks, includes some science and children's books.
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The Internet Public Library's collection contains over 2,400 critical and biographical websites about authors and their works.
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Middle Engish texts, including Chaucer (Georgetown University).
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Features 16 authors of the Harlem Renaissance (Northern Kentucky University).
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With 5,450+ works (includes full books) and over 635 poets this site provides a bit of everything; from the familiar to the obscure, medieval ballads to American Indian chants. Author, title, and subject indexes.
Reading Room
Select from hundreds of drama, fiction, non-fiction, poetry, and romance works. (University of Maryland)
Science Fiction and Fantasy Books Online
Complete works, in both genres, of books, short stories, poems, and plays.
Victorian Women Writers Project
Contains many related links on women, individual authors, other projects, etc. (Indiana University)


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While the United States' 100 highest-grossing firms rebounded from a disastrous 2009 by posting healthy gains in 2010, the Second Hundred firms saw less robust gains. So why aren't they worried? Read the complete report, including all charts and features.
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The Am Law 200 2011
The American Lawyer
June 1, 2011


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The nearly decade-long ascent in the price of gold has been accompanied by an unprecedented display of passions regarding this unique yellow metal. All conceivable aspects of gold's trading patterns, as well as its current and future functions in the economic and monetary system of the world, have been scrutinized and hotly contested. The global financial crises in recent years have furthered the extremism manifested in such discussions.
Sadly, much of what has been debated has only served to confuse the investing public and divert its attention from the metal's underlying fundamentals. The mantra of the recent period has been uniquely a price and performance-oriented one. As a result, we find ourselves in an arena where bold assertions of $5,000 and $10,000 gold being "just around the corner" are routinely made. There is perhaps one number that might actually be worth pondering, and that is that all of the world's above-ground gold stockpile amounts to only 0.6% of global wealth, which is not exactly a cure-all for what ails the planet's economies today — not by a long shot.
Many neophyte gold buyers embrace the view that the liquidity injections the financial system has witnessed since late 2007 will inevitably engender ultra-high inflation levels down the road. However, the answer to how much or how little inflation we actually will experience will be revealed in the approach that global central bankers employ as various economies recover. Their exit strategies will be the key to effectively countervailing potential inflationary pressures by the drainage of this excess of liquidity from the world's economies.
In fact, many of the abstract questions being posed at the moment are focused on whether the world might fall into further deflation or a possible depression, or whether it veers off in the opposite direction and has to contend with a hyper-inflationary spiral. Few imagine that central bankers might be able to steer a middle course and successfully avoid either extreme outcome. Similar theoretical questions revolve around gold at this point, as well. Is this just the beginning of a sustained mega-rally in this market or the last gasp of a very old and tired gold bull market?
A closer look at the current state of the gold market's fundamentals might be helpful in getting one back on the proverbial track and cutting through all the noise being made by alarmist hard money newsletters and book-talking, newly minted market gurus. This market, at this time, exhibits some serious flaws and imbalances that ought not to be ignored by would-be buyers all too eager to over allocate in the asset at the urging of their favorite newsletter writers.
According to the latest statistics published by the World Gold Council, mine supplies of gold experienced a 7% year-on-year gain in 2009, rising to 2,572 tons (see "Demanding cash for gold"). In 2008, we thought that the more than $40 billion in exploration expenditures that the mining community undertook since 2002 in the wake of rising gold prices would result in such an outcome. Last year's mine supply additions came at a time when analysts within and outside the industry were seeing "peak gold" conditions. As it turned out, these could be some distant peaks they were seeing.
Cash for gold
Gold scrap supplies showed a hefty 27% rise last year, one that was clearly engendered by record-high gold prices. Consider that 1,674 tons of recycled gold flowed into the market during 2009, an all-time high and a 68% jump above 2007's inflows. Turkey and India led the parade of secondary supplies of gold, but new records for scrap intake also were noted in Europe and North America as high gold prices and the need for cash drew old bullion hoards out of people's hands.
Also noteworthy is that producer de-hedging, a major contributor to the rise in gold prices over recent years, has slowed immensely, falling by 90% in the first half of 2009, to the point where it only represented 31 tonnes over the course of the first half of the year. Currently only 236 tonnes of gold are left in the global hedge book.
World gold jewelry fabrication fell by a remarkable 19.8% in 2009, to a 21-year low of 1,759 tons. Jewelry fabrication normally comprises nearly 70% of the market. The culprits for the sharp decline were once again the very high price of gold and the economic crisis spilling over into the luxury buyer segment (see "Too valuable to wear"). Industrial fabrication demand for gold fell by 26% in the first half of 2009 as weak global economic conditions drove electronics demand down accordingly. U.S. and Japanese electronics-oriented gold demand fell by 39% and 32%, respectively.
The first half of 2009 also marked a significant episode in the history of Indian gold bar hoarding, as it fell by 75% and turned to dishoarding for the first time since 1980. The main driver of this phenomenon has been the perception of limited upside potential in the price of gold bullion. The gold industry could traditionally count on India to absorb anywhere from 600 to 900 tons of the yellow metal annually. Bar and coin retail investment also experienced a hefty global decline of 32% in 2009 relative to 2008.
To sum up, total gold supply for 2009 was up by 11% at 3,890 tonnes, while total demand was down by 11% at 3,386 tonnes. This leaves us with a 504 ton surplus, which can be inferred as having been absorbed by the category of "investment." Most of the off take from investment can be attributed to ETF demand — a niche that, for example, consumed 465 tonnes in the first quarter of 2009 during what appeared to be the most intense phase of the global financial crisis.
The bright spot in the 2009 total supply/demand equation was that global net central bank sales amounted to only 44 tonnes in 2009 (compared with 236 tonnes in 2008) and were the lowest sales level in 12 years. In fact, a handful of central banks actually bought gold last year. The most heavily publicized such purchase was the one made by the Reserve Bank of India (RBI).
However, the buying of the IMF's gold by the RBI simply reflects the fact that India's gold reserves, at 4% of total reserves, had fallen in comparison to the past (gold had made up 8.2% of total reserves at the beginning of 2000 and nearly 20% of them back in 1985) due to the rapid accumulation of dollar reserves and compared with other countries in the top-20 global economic powers list.
The picture we describe above leaves us with a gold market that has become highly addicted to and dependent almost entirely upon continued inflows into gold-oriented ETFs and various speculative hedge funds. Yet, the very same and much-vaunted gold-backed ETFs could come to play a critical role in determining the gold price in coming years, especially if holders of these vehicles sell, unleashing a large amount of physical metal onto a market in which demand is relatively weak.
One of the most prominent and blunt warnings came from Paul Walker, CEO of precious metal consultancy GFMS, back in April 2009 when he noted that investment in gold "may dry up over the next five years following a long period of strong interest from global investors."
Recently, a new warning came from David Davis, a precious metals analyst at Credit Suisse Standard Securities, pointing directly at the potential for increased divestment from gold ETFs. "We believe that a major problem is looming on the horizon should investment demand remain muted and/or should investment demand start falling away over the next three to five months," Davis noted.
The gold market we currently are witnessing is one that does not satisfy a single one of the traditional criteria that would define a classic bull market. Yet, the metal is labeled as being in a historic one. Specifically, the current gold market is not enjoying the foundation of a demand position that far outstrips supply, it is not offering shelter from a fast-declining stock market, it is not reacting to significant and manifest inflation, and the price of gold is increasing relative to only specific currencies, not every one of them. Yet, there are hundreds of articles being written about why the gold rally will continue without pause.
According to last fall's CFTC data, released just prior to gold achieving its $1,220 peak, there were roughly nine long gold positions for each short one. A mountain-sized pile of futures and options contracts, some 800 tons large, was present in the market by late November.
Still, subtle yet telling signs are emerging that the end-game in gold's epic rise from $252 to $1,226 may be in sight, and that average annual prices might return to more balanced levels, ones that do take the fundamentals into account. For example, the world's largest marketer of pure gold coins, the Austrian Mint, in October announced plans to slash its coin output by 32% this year.
The Mint took that decision while forecasting that "the end of the global financial crisis will diminish investor demand for gold." The Mint's decision appears prescient, in retrospect. It recently confirmed that coin sales have fallen 80% this year as gold buyers began to regain confidence in the global economy.
Vienna-based Marketing Director Kerry Tattersall recently said, "We're getting back to business as usual rather than the hectic, panic demand we've seen over the last couple of years. There's no more upward surge in gold price to titillate buyers, and a lot of people feel more relaxed about the economic crisis."
With all that in mind, while the year-to-date average price of gold has been just north of the $1,100 level, we do not see that as sustainable in the long term. We expect gold to average around $990 in 2010. Then, we see that average declining to $900 for 2011, and to $850 in 2012, which we see as the price current fundamentals would support as there is about a 30% risk premium in the price of gold. None of these projections imply that gold will not continue, or should not continue, to have an important role in investment portfolios.
To the contrary, maintaining a core 6% to 10% insurance position in the precious metal would be wise. This holding should be considered as "life-insurance," not a trading position. Gold may or may not be an effective hedge against inflation, deflation, currencies, or equities, but the one thing that certainly can be said with confidence is that it serves as an excellent hedge against uncertainty. Supplies of that in our world are certainly not lacking.
Silver lining
The silver market offers a similar picture to gold as it too is a market in surplus, heavily dependent on investment off take, while also experiencing a primary fabrication demand decline. At this time, non-traditional forms of silver demand are set to surpass its historic dependence on photography. Fortis Bank Nederland estimates last year's total silver supply to show a final tally of 35.5 thousand tonnes versus an aggregate demand of 29 thousand tonnes.
This leaves the silver market with a residual 6.5 thousand tonnes to be presumably siphoned off by inferred investment. Silver-oriented ETF demand amounted to 3.1 thousand tons in 2009, while coin demand totaled 1.9 thousand tons. Meanwhile, mine supply of silver is estimated to have risen to nearly 22 thousand tons last year. The problem areas, as with gold, are found in silver's off take from primary demand sectors such as photography, electrical and electronics, as well as catalysts and brazing alloys.
That said, we expect silver to once again outperform gold in 2010 as it will show a wider trading range, more volatility and therefore more speculative opportunities. While the $15.50 to $17.50 range is the more likely one through the middle of 2010, we cannot rule out a range as wide as $13.50 to $19.50 for silver. Kitco computed last year's average silver price at $14.67 per ounce, with lows near $10.51 in January and a high at $19.18 in December.
Precious demand
Heavy demand from newly created platinum and palladium ETF vehicles helped push the noble metals' prices to new heights recently, reaching pinnacles not seen since the 2008 bull run. While total supply and total demand appear fairly balanced for both metals, showing a surplus of 300,00 ounces for platinum and about 150,000 ounces for palladium, strong ETF-related inflows are expected to do what automakers (at least those in the West) have been unable to do as the global economies slowly recover.
Car sales in China and India continue to surge at rates that make other regions look all the more anemic. Production problems in South Africa are also expected to underpin precious metal prices as power supplied to the region's mines continues to be unreliable. Sporadic black-outs are expected through 2013 as only a few producers attempt to build their own, on-site power generating plants.
We expect platinum prices to trade broadly within the $1,300 to $1,700 range, while palladium might oscillate within the broad $375 to $525 price channel. Volatility will not be absent from this niche either, as the ebb and flow of ETF balances and automaker activity will provide plenty of speculative fuel to the market. We expect positive price performance from rhodium as well, as it makes its way back towards the mid $4,000s.
Jon Nadler is a senior analyst for Kitco Metals Inc. You can see his analysis at
www.kitco.com and www.kitco.cn . E-mail him at email@example.com


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Was Tupac really killed off in 1996? Rihanna doesn't seem to think so with the current photo of her hugging the singer.Rihanna, who is due to play at the Barclaycard Wireless Festival on the 8th July 2012 at Hyde Pak in London showed off her latest photos of her with the hologram of the singer which was shown at Coachella music festival this year.
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Quotes On Creativity
September 13, 2012 on 1:04 pm | In Creative, Creativity, My Creative Team | 1 Comment
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Tips for saving money
The following is a rundown of money-saving tips and ideas collected during the first "Living Well With Less" financial education series.
The following is a rundown of money-saving tips and ideas collected during the first "Living Well With Less" financial education series.
Fuel assistance through the Wisconsin Home Energy Assistance Program is available Oct. 1 through May 15. Call 715-395-1651 or look it up on the Douglas County website, http://www.douglascountywi.org/, under the Health and Human Services Department. Applying for energy assistance is the first step to getting weatherization assistance, which is available through Ashland County Housing Authority, 1-800-274-8311.
Ruby's Pantry provides shares of food for $15 each on the second Monday of the month at Zion Lutheran Church, 2022 E. Second St. and the third Thursday of the month at Christ Lutheran Church, 320 N. 28th St. The doors open at 4:30 p.m. with distribution beginning at 5 p.m. There are also distribution dates and times in Duluth and Cloquet. More information is available on the Ruby's Pantry-Superior, WI Facebook page or online at http://www.rubyspantry.org/.
Lake Superior SHARE, a food buying club, offers low-cost food packages each month that can be picked up at distribution sites including Solon Springs, Superior, Duluth and Iron River. More information is available by calling 218-727-2088, at the website www.sharefoodclub.org or on the LakeSuperiorSHARE Facebook page.
Sharing One's Surplus provides shares of food for $25 each on the second Saturday of each month at First Covenant Church, 5161 S. County Road P in Poplar. Doors open at 8 a.m. with distribution beginning at 10 a.m. For more information call 715-364-2738.
Extreme couponing online videos: http://www.passionforsavings.com/
Money and time saving tips and articles: http://moneysavingmom.com/
Printable coupon database and weekly $5 or less, how to shop for free: http://thekrazycouponlady.com/
Store sales database: http://www.couponmom.com/
Freebies and coupons: http://www.freeflys.com/
The website foodonthetable.com/ mixes store coupons with recipes to provide grocery lists people can print out or email to themselves. The only local coupons featured on the site are for Cub Foods, but the recipes and grocery lists are available no matter what store you shop at.
Where to find coupons:
Newspapers: Northland Shopper, Friday Superior Telegram, Sunday Duluth News Tribune or ask a family member or friend to save you inserts, check local coffee shops, library, gas stations for leftover inserts.
In store binkies and tear offs
Online printable coupons: www.coupons.com/
Write to your favorite companies
Sign up for freebies (usually come through coupons)
Store coupon policies
Learn each store's coupon policies and rewards programs first.
For example: Cub Foods accepts expired coupons up to 30 days, CVS takes Extra Care Bucks and Extra Care Card, Target will match manufacturer and store coupon on same item, Walgreens has new Balance Rewards card program, Walmart offers price match and accepts competitor's coupons off items.
Northwest Wisconsin Community Services Agency in Superior provides tax preparation for low-income individuals as well as rental assistance. Contact NWCSA by calling 715-392-5127, stopping by 1118 Tower Ave., or via the website at www.northwest-csa.org/
Dial 211 for a list of essential community services in the area. The site includes information on resources that provide for basic human needs like food, clothing and sheter, work support, support for older Americans with disabilities, children, youth and family support and more.
RX Relief Cards are available online through rxreliefcard.com or at Catholic Community Services, 1416 Cumming Ave., 715-394-6617.
Information on student loan debt is available online at http://loanconsolidation.ed.gov/help/whatsnew.html. An eHow article gives tips on how to pay off student loans early at http://www.ehow.com/how_6666427_pay-off-student-loans-early.html and CNNMoney offers a calculator to determine how much you will pay for your loan at different monthly payment amounts: http://cgi.money.cnn.com/tools/studentloan/studentloan.html.
Other tips for saving/making money
Add a roommate
Ride the bus
Barter or trade services, such as "You babysit for me, I'll babysit for you."
Sell old clothing/household items through Craigslist, Ebay or rummage sales
Get items second-hand at Goodwill, Salvation Army, Earth Exchange and other thrift shops or rummage sales
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For the first time the general public are able to view Erró's graphic art spanning half a century. The exhibition is the result of three years' work researching and collating the artist's entire collection of graphic pieces, undertaken by Danielle Kvaran, the exhibition curator. These works of art reveal a variety of techniques, including stamp-prints, lino and wood cuttings, etchings, lithographs and silk-prints. It is in the latter that Erró has focused more on digital printing. Most of Erró's graphic art is based on his older works, such as his paintings, collages and drawings.
Erró has collaborated extensively in workshops with a variety of different graphic artists, as well as with printers and publishers of his works in France, Italy, Sweden and elsewhere in Europe.
In relation to the 80th Birthday of Icelandic artist Erró, Reykjavik Art Museum will host a series of events this coming fall semester. Events include workshops, lectures and talks that will offer a further insight to the work of Erró and his general practice.
Sunday 2. September, 3 p.m. Hafnarhús Graphic workshop for Young People (13+). Held in collaboration with the Icelandic Printmakers' Association.
Sunday 9. September, 3 p.m. Hafnarhús Lecture by art historian, Æsa Sigurjónsdóttir.
Days 27-28. October Íslensk Grafík Weekend Graphic Workshop at the Icelandic Printmakers' Association. Further information will be announced soon.
Sunday 11. November, 3 p.m. Hafnarhús Gallery talk with art historian Guðni Tómasson.
Days 21-22 November Íslensk Grafík Evening Graphic Workshop at the Icelandic Printmakers' Association. Further information will be announced soon.
Graphic workshop for Young People (13+) Sunday 2. September, 3 - 5 p.m. Reykjavik Art Museum - Hafnarhús & The Icelandic Printmakers' Association
Held in relation to the exhibition Erró Grafíkworks 1949-2009 Reykjavik Art Museum and the The Icelandic Printmakers' Association will host a guided tour and workshop Sunday 2. September at 3 p.m. The event is specifically aimed at young people at the age of 13 years and older.
First there will be a guided tour through the exhibition where the works of artist Erró will be introduced. Afterwards we will head to The Icelandic Printmakers' Association workshop, which is located on the harbour side of the Hafnarhús, Tryggvagata 17, where artist Anna Snædís Sigmarsdóttir will teach us some graphic techniques.
The event takes place in Icelandic. Free for young people under 18 years old.
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How Google+ can work for your business
So everyday I talk about Google+ and how it's great, the next big social networking site, taking over the world...
The responses I get from people? "FAIL."
Ok, sure I hear them, and I'll even let it slide that for regular end users who have tried or heard about Google+ will believe that it's another failed product. Facebook was able to create a community by bringing in end users such as yourself by first originating a small niche through college students. Eventually it evolved by establishing a network of friends, family, business people to connect with each other, this is how a typical social networking site usually works you could say. Now, Google+ the way I see it, the hype will work backwards....what do I mean by that? Because Google is dubbed the king of search engines, businesses will be the ones who will create the network for the end users. This is such a great opportunity for businesses to jump on the bandwagon and create a Google+ Page. I don't mean a profile, I'm referring to an actual page (much like Facebook's fan page). The first advantage and probably the biggest right now is that Google+ can be found on search results. I personally experimented a few pages myself and the results are there. I don't want to bore too much about this article explaining in specific details so I'll just list out why it will help.
- Integrated into Google Search
- Can and will optimize additionally with other existing Google products (local places, reviews, etc)
- Android being #1 will continue to establish strong Google related products as the users grow (Hangouts, G+, GTalk, GVoice, Chrome w/Apps, Local Places, etc)
- Google's Search Plus will probably have a strong impact towards G+ Page
- With +1 buttons, contents/posts you create on your page can ultimately boost your value of the Google Page (based on that if your posts gets those +1's)


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A capsule look at Cumberland County teams.
Coach: John Callahan
2012 record: 3-9-1
Key players: Lexi O'liveira, D, Sr.; Casey Fallin, M, Sr.; Madi Timothy, F, Jr.; Christina Everett, M, Jr.; Amanda Nessen, GK, Jr.
Coach: Marvin Andrade
2012 record: 1-13-1
Key players: Tori Saunders, M, Sr.; Jasmin Alsaied, M, Sr.; Tatiana Pless, D, Jr.; Katty Espinoza, D, Jr.; Victoria Wilson, M, Jr.;
Coach: Natthaphon Bunphithak
2012 record: 19-7-1
Key players: Nancy Kirk, F, Sr.; Rayleen Orello, M, Sr.; Tatum Brookes, F, Fr.; Tess Brookes, F, Fr.; Mackenzie Hill, M, Jr.
Coach: Isaac Rancour
2012 record: 12-8-2
Key players: Ashley May, GK, Sr.; Shawna McIntosh, M, Soph.; Amanda Byrd, F, Jr.; Ashley Moore, D, Soph.; Tiffany McIntosh, M, Jr.
Coach: Stephan Stanley
2012 record: 5-11
Key players: Alyssa McCray, F, Sr.; Jasmine Gutierrez, GK/D, Sr.; Dominique Weatherspoon, D, Jr.; Whitney Serauskis, D, Jr.; Emily Thompson, M, Jr.
Coach: Bryan Pagan
2012 record: 12-12-1
Key players: Angel Rivera, M, Soph.; Starr Rivera, D, Soph.; Lexi Penaloza, D, Sr.; Cynthia Vazquez, GK, Soph.; Gina Celata, F, Jr.
Coach: Karl Molnar
2012 record: 16-5-2
Key players: Karly Gustafson, GK, Sr.; Kayla Mundell, M, Sr.; Taylor Petroski, M, Sr.; Amber Arnold, M, Sr.; Kirstie King, M, Soph.
Coach: Rex Carpenter
2012 record: 12-9-1
Key players: Katie Caylor, M, Jr.; Ashley Piers, M, Sr.; Leah Puckett, D, Sr.
Coach: Melody Simpson
2012 record: 3-12
Key players: Abby Gorwill, D/M, Sr.; Solimar Carrasquillo, M/D/GK, Sr.; Yasmine Piggott, F, Soph.; Anna Castro, D, Sr.; Selena Willmann, F, Soph.
Not fielding a team
Coach: Andrew McCarthy
2012 record: 9-6-3
Key players: Haley Bigler, F, Jr.; Jesse Keener, D, Soph.; Mary Kate Morgan, D, Jr.; Kelly Post, F, Fr.; Rebecca Gainey, M, Jr.
Coach: Freddy Arce
2012 record: 15-7
Key players: Scarlett Lister, D; Madison Breyak, F; Christine Byrd, GK; Sarah Ahl, D; Laura Barnes, M
Coach: Scott Canadey
2012 record: This is the program's inaugural season.
Key players: Diamond Whitted, M/F, Fr.; Priscilla Figueroa, M/D, Soph.; Cody Martin, M/D, Fr.; Madison Pittman, M/F, 8th; Reniah Carroll, M/F, 8th
Coach: Steve Johnson
2012 record: 3-9
Key players: Nicole Emerson, M, Sr.; Kristee Emmons, M, Sr.; Taylor Reim, D, Fr.; Taylor Chatellier, F, Soph.; Madeleine Domenech, F, Soph.
Coach: Marcelo Saenz
2012 record: 9-10-2
Key players: Hannah Morrison, M, Sr.; Bridget Dyer, F, Sr.; Kayla Mathias, F, Jr.; Emily Carroll, M, Jr.; Karsen Solano, F, Fr.
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Kenny Rogers
Kenny Rogers
Original Artists Discovery Vaults
Original Release Date: January 29, 2013
Track Listing
1. The Greatest
2. Buy Me a Rose
3. She Rides Wild Horses
4. Slow Dance More
5. I Will Remember You
6. There You Go Again
7. All That You Could Be
8. He Will, She Knows
9. Homeland
10. Until Forever's Gone
Alison Krauss: Vocals
S�amus Egan: Composer
Suzy Bogguss: Vocals (Background)
Billy Dean: Vocals, Vocals (Background)
Collin Raye: Vocals
Sarah McLachlan: Composer
Steve Gibson: Guitar
Gene Johnson: Vocals
Eddie Bayers: Drums
Bruce Bouton: Guitar (Steel)
Bob Corbin: Composer
J.T. Corenflos: Guitar (Electric)
John Cowan: Vocals (Background)
Dan Dugmore: Pedal Steel, Guitar (Steel), Lap Steel Guitar
Tom Flora: Vocals (Background)
Shannon Forrest: Drums
Steve Glassmeyer: Mandolin
Warren Hartman: Synthesizer
Ted Hewitt: Composer
Yvonne Hodges: Vocals (Background)
David Hungate: Guitar (Bass)
Kenny Rogers: Vocals, Producer
Wayne Killius: Percussion
Jennifer Kimball: Composer
Viktor Krauss: Guitar (Bass)
Paul Leim: Percussion, Drums
Brent Maher: Producer, Engineer, Mixing
Jim Mazza: Executive Producer
Terry McBride: Composer
Jim McKell: Producer, Engineer, Mastering, Mixing
The Nashville String Machine: Strings
Bobby Ogdin: Piano, Keyboards, Hammond B3
Russ Pahl: Guitar (Steel)
Tammy Pierce: Vocals (Background)
Denny Purcell: Mastering
Mike Reid: Composer
Marty Roe: Vocals
Bobby Taylor: Oboe
Biff Watson: Guitar (Acoustic)
Jim Weatherly: Composer
Bergen White: Conductor, String Arrangements
Dana Williams: Vocals
Jonathan Yudkin: Fiddle, Mandolin, Violin
Jeff Carson: Composer
Michael Spriggs: Guitar (Acoustic)
Tommy Lee James: Composer
Jack Sundrud: Composer, Vocals (Background)
Spencer Campbell: Bass, Guitar (Bass)
Pat Bergeson: Guitar (Acoustic), Guitar (Electric)
Frank Green: Mastering
Steve Mandile: Guitar, Guitar (Electric)
Pat Bunch: Composer
Don Schlitz: Composer
Mark Selby: Guitar (Acoustic), Guitar (Rhythm)
Doug Johnson: Composer
Dave Merenda: Composer
Frank Rogers: Composer
Jim Funk: Composer
Richard Bailey: Banjo
Erik Hickenlooper: Composer
Keith Miles: Composer
Michael Black: Vocals (Background)
Dennis Wilson: Vocals (Background)
Stewart Duncan: Mandolin
Rory Bourke: Composer
Carl Gordetzky: Concert Master
Glen Worff: Guitar (Bass)
Chip Davis: Vocals (Background)
Steve Leslie: Composer
Tammy Frye: Vocals (Background)


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October 25, 2010Health Tip: How Caffeine May Affect Kids (HealthDay News) -- Caffeine is much more than a wake-me-up among coffee drinkers. The chemical stimulant also is found in everything from popular sodas to over-the-counter pain relievers and cold remedies. Health Tip: Help Prevent Gymnastics Injuries (HealthDay News) -- Gymnastics can lead to injury without some preparation. In 2007, more than 69,000 kids under age 14 were treated for gymnastics-related medical problems, the American Academy of Orthopaedic Surgeons says. Bitter Taste Receptors Found in Lungs May Aid Asthma Patients SUNDAY, Oct. 24 (HealthDay News) -- Bitter taste receptors are located in the lungs as well as on the tongue, a finding that might lead to improved treatments for asthma and other obstructive lung diseases, according to researchers at the University of Maryland School of Medicine in Baltimore. NFL Players With Concussions Sidelined Longer: Study SUNDAY, Oct. 24 (HealthDay News) -- Concussions in professional football have been a hot topic of late: Just last week, the National Football League announced it would begin suspending players for illegal and dangerous hits that often result in head injuries. Arteries of Obese Kids Aging Prematurely: Study MONDAY, Oct. 25 (HealthDay News) -- The arteries of obese children have a degree of stiffness normally seen in adults with heart disease, according to a new study. Mammogram Visit a Good Time to Arrange Colonoscopy: Study MONDAY, Oct. 25 (HealthDay News) -- Colorectal cancer screening among poor minority women could be increased by offering to arrange for the procedure during a mammography visit, a new study suggests. Teens, Parents Often Lie About Illicit Drug Use MONDAY, Oct. 25 (HealthDay News) -- Don't expect teens -- or their parents -- to be honest about their drug use, a new study shows. Marathons Affect Heart, but Runners Bounce Back MONDAY, Oct. 25 (HealthDay News) -- Running a marathon can damage your heart, with more than half of the segments in the heart's main pumping chamber typically functioning a little under par during the race, a new study shows. Most Babies Start Sleeping Through Night at 2 to 4 Months MONDAY, Oct. 25 (HealthDay News) -- New research may offer some relief to sleep-starved parents: Most infants will start sleeping through the night between 2 and 4 months of age. Weight May Affect a Woman's Fertility MONDAY, Oct. 25 (HealthDay News) -- A woman's weight influences her fertility, two new studies suggest. Heavy Smoking Linked to Alzheimer's in Study MONDAY, Oct. 25 (HealthDay News) -- Heavy smoking in middle age seems to increase the risk for developing Alzheimer's disease or another dementia, a large new study suggests. PSA Test Reduces Risk of Spread if Prostate Cancer Strikes MONDAY, Oct. 25 (HealthDay News) -- Having a prostate-specific antigen (PSA) test to screen for prostate cancer reduces the risk that if cancer develops it will spread to other parts of the body, new research indicates. Radiation Before Surgery May Prevent Return of Rectal Cancer MONDAY, Oct. 25 (HealthDay News) -- Patients who receive radiation before surgery for rectal cancer are about 50 percent less likely to experience a return of their cancer, a new Dutch study has found. Clinical Trials Update: Oct. 25, 2010 (HealthDay News) -- Here are the latest clinical trials, courtesy of ClinicalConnection.com: How You Handle Lack of Sleep May Be in Your Genes MONDAY, Oct. 25 (HealthDay News) -- Why is it that two people can be equally sleep-deprived, and yet the next day one person ends up feeling more tired and listless than the other? Aspirin May Help Patients Beat Prostate Cancer MONDAY, Oct. 25 (HealthDay News) -- One of the world's most ubiquitous and pedestrian drugs -- aspirin -- may cut the risk of dying for men who have prostate cancer that has not yet spread beyond the gland, a new study suggests. GI Endoscopy Complication Rates Higher Than Suspected: Study MONDAY, Oct. 25 (HealthDay News) -- Complications following gastrointestinal endoscopies -- procedures performed to detect ulcers, cancer and other conditions -- may be higher than previously estimated. |
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German discount supermarket giant has stormed into the tablet market and delivered a warning to more expensive brands.
The future in health and fitness has arrived and it could spell the end for personal trainers and gym instructors.
China has launched its first moon rover mission, the latest step in an ambitious space program.


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Citizen Today special edition: building a better
working worldOur teams are focused on solving the world's most complex problems, helping governments build more inclusive economies and deliver more effective and accessible public services.
Citizen Today special edition: building a better
working worldG20 Entrepreneurship Barometer: the power of three
Citizen Today: delivering a digital future
Worldwide Index of Women as Public Sector Leaders
Moving Europe forward: innovating for a prosperous future
Citizen Today special edition: reshaping our world
Citizen Today: a time to work together
Making aid work better
Serving the International Development Community
Doing more with less
"Government is focused on accelerated public sector reform. They need to improve the lives of citizens, boost investor confidence and become the catalyst for sustainable success stories in Africa. We are aligned to assisting government to be at the forefront of this reform" - Yunus Naidoo, Public Sector Leader - Advisory
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Policy-makers are operating in a rapidly-changing world. Shifting demographics, urbanization and climate change are just a few of the long-term and systemic trends reshaping 21st century government.
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Our Government & Public Sector practice aims to be the preferred partner in driving transformational change for governments around the world. In countries large and small, developed and emerging, we understand the issues and can provide you solutions that will have lasting impact.
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Save money with an SCO concert subscription and get a free concert, £5 CD voucher and many other benefits.
North Street, St Andrews, KY16 9AJ
Queen's Hall box office, tel 0131 668 2019.
All major credit cards, except American Express, accepted. Postage charge of 60p where applicable.
Tickets also available from the University of St Andrews Music Centre, Younger Hall, North Street, St Andrews KY16 9AJ. Opening hours: 10am to 5pm Monday to Friday. Credit and debit cards not accepted.
Tickets are also available at the Younger Hall from half an hour before each concert (cash sales only), but you can avoid the queues by booking in advance.
The Younger Hall is the leading venue in St Andrews for classical concerts. The Music Centre presents lunchtime concerts every Wednesday during term-time, by local and visiting professional musicians as well as some of the most talented students at the university. It also presents, in partnership with the SCO, a series of early evening concerts which often feature musicians from the SCO.
Every Friday lunchtime the University Music Society hosts a lunchtime recital. They provide university students with the opportunity to perform in a friendly, informal environment, both as a soloist and as a member of a chamber group. Admission is free, and tea and coffee are available.
In addition, there is a busy programme of evening concerts. These are given by a variety of different organisations including professional soloists and ensembles such as the Scottish Chamber Orchestra and the Fitzwilliam String Quartet, the various groups run by the Music Centre, the University Music Society and other musical groups from the local community.
Ticket discounts
Senior citizens – £2 off standard prices.
Under 26s, students, and unemployed people – £5 per ticket (stalls only).
Under 16s - Free if accompanied by a paying adult. Maximum of 2 free children's tickets per adult ticket. Additional children £5 each.
People with a disability – 50% off standard ticket prices for people with a disability and a carer.
Group discounts – Groups of 6 or more save 20% off standard ticket prices.
School groups – Teachers and/or accompanying adults go free when bringing a school or school-age group. For more information, contact SCO Connect on 0131 478 8353 or firstname.lastname@example.com
Main door wheelchair access (ramp) to stalls in auditorium.
2 toilets suitable for wheelchair users.
Audio induction loop in auditorium.
Guide dogs and hearing dogs are welcome.
Please notify the box office when booking.


text: Inducted 2011 Brothers James and John Ritty a working version of a mechanical cash register for use at James' saloon in Dayton, Ohio. In 1878, while on a steamboat trip in Europe, James Ritty became intrigued by a mechanism that counted the revolutions of the ship's propeller. He wondered if something like this could be made to record cash transactions at the saloon. By using a machine to record each sale, he determined it would be possible for both the employer and the customer to check and audit each transaction. Invention Impact Upon his arrival back home in Dayton, Ritty and his brother John, a skilled mechanic, began working on a design for such a device. They worked on several versions, and their third prototype was a success. It operated by pressing a key that represented a specific amount of money. There was no cash drawer yet with their design. Continuing to improve their innovation, the Ritty brothers opened a small factory in Dayton to manufacture cash registers. Eventually, they sold the cash register business to others who renamed the company the National Cash Register Company, later known as NCR. Inventor Bio John Ritty, inventor and skilled mechanic was born in Dayton, Ohio. |


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Celebrity Twitter Pics Of The Week! The Good, The Bad & The Outrageous
With bare bottoms, adorable dogs and kids these are the good, bad and outrageous celebrity Twitter pictures of the week!… READ ON
With bare bottoms, adorable dogs and kids these are the good, bad and outrageous celebrity Twitter pictures of the week!… READ ON
Taylor's baking, Paris is preening and RiRi's working the pole in our Twitter pics of the week.… READ ON
It had all the makings of a country song: Nashville co-stars Hayden Panetierre and Jay Hernandez reportedly had a hot off-screen relationship on the set of their show this spring,… READ ON
The Kardashians celebrate Christmas, LeAnn shows off her vocabulary, and Rihanna adds to her slew of sexy selfies, in our weekly Twitter gallery.… READ ON
From Mini-Me to Tootsie to Hollywood's Top Gun, some of the silver screen's shiniest stars tend to be a tad more diminutive than you might have expected — check them… READ ON
From the wacky outfits at the 2013 MTV VMAs to the lovely gowns at the Venice Film Festival and everything in between these are the best, worst and wackiest dressed… READ ON
Many a pretty lady in Hollywood has gone under the knife to improve her bust size, and we've got a comprehensive look at the best and worst breast enhancements, right… READ ON
Admit it. You want to know what they REALLY weigh. Now, we've got the answers about your favorite stars…… READ ON
Not every star got it right on the fashion front this week.
From the glitz and glamour of the hottest events to the city streets, Hollywood stars were dressed to… READ ON
Why do some child stars end up in rehab, while others prosper in Hollywood?
Hayden Panettiere, who has been acting since she was a baby, has managed to avoid… READ ON
From the glitz and glamour of the hottest events to the city streets, Tinseltown's hottest celebrities were dressed to rock and shock in the best, worst and wackiest fashions –… READ ON
Do you think opposites attract? Well these couples were more than just opposites, they were downright odd together! Check it out…… READ ON
See who was dressed to rock and shock on the blue carpet of the 2013 Billboard Music Awards in RadarOnline.com's special fashion feature!… READ ON
Wonder whose photo is inside of Hayden Panettiere's locket?
The Nashville star, who recently got engaged to boxer Wladimir Klitschko, was featured in the May 2013 issue of Glamour… READ ON
Like does not attract like when it comes to these Hollywood stars!
From big screen bombshells and sexy singers to celebrated athletes and gangster rappers, our famous friends have… READ ON
Did Hayden Panettiere have a little help from a surgeon to achieve her new busty look?
The 23-year-old Nashville star wasn't shy about showing off her smokin' hot bikini body… READ ON
Did Hayden Panettiere go under the knife?
The Nashville star wasn't shy about showing off her smokin' hot bikini body over the weekend in Miami, nearly spilling out of… READ ON


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Lohan's latest case
Lindsay Lohan's attorney predicts there will be no case against the actress in connection with an alleged fight at a Manhattan nightclub. Attorney Mark Jay Heller spoke after signing paperwork at the courthouse Monday. (Jan. 7)
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