text:
The public outdoor street steps are not just community efforts for the convenience of the users alone. It indicates the growing worldwide acceptance of street arts. The various steps are so colourfully decorated with the artists' whims and imaginations, by which that make the neighbourhood a more uplifting place. The first one viz. the fabulous St Francisco's mosaic steps were created by more than 300 local people under the guidance of a couple of artists.
The 16th Street mosaic tiled steps, St Francisco, USA.
Valparaiso, Chile.
Philadelphia Museum of arts, USA.
Valparaiso, Chile.
Seoul, South Korea.
Wuppertal, Germany.
Sicily, Italy.
Rio de Janeiro, Brazil.
Stairs of Peace, Syria.
Beirut, Lebanon.
Musical Theatre, Seoul, South Korea.
Rio de Janeiro, Brazil.
Angers, France.
Istanbul, Turkey.
Morlaix, France.
Beirut, Lebanon.
Many thanks to Ron Lim for sharing.
Alan CY Kok


text:
In order to reduce the need for multiple needle placements in the hands and arms our consultants are able to insert lines into the large neck veins and then 'tunnel' the lines under the skin, either to a line outside the body or into a reservoir that sits just below the skin (a 'port'). Tunnelled lines reduce the risk of infection, and ports reduce the risk still further by being entirely under the skin, but accessible by a small needle which may either draw blood or give drugs. All tunneled lines are inserted under anaesthetic.
Sometimes there can be a build up of fluid in an organ or body cavity. This may need to be drained using a very fine needle. If the fluid can all be removed in one go, then this may be carried out and nothing left behind. This is an aspiration. If there is a possibility that more fluid may accumulate, then a very fine tube may be inserted and left in position. This is a drainage. Once fluid has stopped draining, the tube may then be removed.
Please click here to view our patient leaflet on Biopsies.
Please click here to view the Macmillan leaflet for Inplantable Ports.
Please click here to view the Macmillan leaflet for PICC Lines.
Please click here to view the Macmillan leaflet for Central Lines.

subset: commoncrawl


text:
Carrot Salad Perfect Nutritional Brunch In Winter
Here re Carrot benefits For human Body.
Improves Vision
Carrots Clean Your Teeth
Helps Prevent Cancer
Promotes Healthier Skin
Carrots Can Help To Prevent Heart Disease
Promotes Healthier Skin (From The Outside)
Protects Teeth And Gums
Prevents Cancer
Carrots Can Protect You Against Strokes
Muscular Degeneration
Improves Eyesight
Carrots Detoxify Your Body
Carrot Salad Perfect Nutritional Brunch In Winter
Chili Recipe, Soup Recipe, Chicken Recipe, Beverage Recipe, Appetizers, Salads, Cocktails, Mocktails, Desserts, Breakfast
Post Reply
4 posts • Page 1 of 1
- dua
- Ultimate Contributor
- Posts: 11415
- Joined: May 30, 2010
- Location: Lahore
- Contact:
- admin
- Site Admin
- Posts: 9610
- Joined: Feb 10, 2007
- Contact:
Carrot also contains vitamin E which is good for healthy skin
- Wondering
- Posts: 16
- Joined: Aug 06, 2015
Vitamin E is an important vitamin required for the proper function of many organs in the body. Vitamin E is a vitamin that dissolves in fat. It is found in many foods including vegetable oils, cereals, meat, poultry, eggs, fruits, vegetables, and wheat germ oil. It is also available as a supplement.
Post Reply
4 posts • Page 1 of 1


text:
- Font:
- +
- -
GAINESVILLE, Ga. — The boy who married a woman more than 20 years older than him after fathering her child is now living like a regular teenager and dating a girl his own age, his grandmother said.
His son is 14 months old, and the infant's mother is in jail.
The 16-year-old boy is now a high school junior, plays guitar and talks about joining the Marines, his grandmother, Judith Ann Hayles, told The Atlanta Journal-Constitution.
Hayles said the boy — who is not being identified — is "getting out of the situation he's been in."
Lisa Lynette Clark, now 38, was the mother of one of the boy's high school friends. Their affair became public when Clark and the teen — then 15 — were married in November 2005 by a retired judge who performed the ceremony in his driveway.
State law allowed people younger than 16 to marry if the bride was pregnant. The law was changed last year, and now 16- and 17-year-olds can wed only with the approval of a parent or guardian and a probate judge.
Hall County authorities arrested Clark the day after the wedding and charged her with sexually molesting a minor.
Hayles said she believes Clark seduced and stalked her grandson.
"She's a pedophile, that's what I think," Hayles said.
In March 2006, Clark pleaded guilty as a first offender to statutory rape and spent nine months in jail, where she gave birth. She is now serving a two-year sentence after pleading guilty to helping her teenage husband's flight out of state in February 2006.
Hayles said she and her grandson are going to counseling. But he's behaving more like an average teenager, she said. "He has a girlfriend now and she's his age, thank the Lord," Hayles said.
It was not clear whether the teen was still married to Clark. Hayles and attorneys in the case did not immediately return calls to The Associated Press on Monday.
Their son is being cared for by Clark's former employer.
© 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


text:
ST. LOUIS, MO (KTVI)-- Just like University City, street cars may be coming back to downtown St. Louis.
The Partnership for Downtown St. Louis teamed up with US Bank and Grand Center to look closely at this idea of bringing modern streetcars to downtown St. Louis.
According to the study, which was released to the public at an open house Thursday afternoon, there could be some significant benefit to the city if this plan goes forward, to the tune of $540 million in new development in the first five years alone.
The idea is to connect downtown neighborhoods to jobs, services and other destinations.
The study looked at two possible routes, one west-to-east along Olive Street and Lindell from 6th Street downtown out to the Central West End.
The other runs north/south along 14th Street, connecting St. Louis Avenue to Metro`s Civic Center Station near I-64.
The study says that within 20 years, the street carlines could spur up to $2.1 billion in new development.
The next step in the process is for the East-West Gateway Council to fold the idea into its long-range planning, then there is an environmental impact study that has to be done. But if all goes as planned, the lines could be in operation by 2017.


text:
Back by popular demand, Tchaikovsky's timeless and enchanting classical ballet The Nutcracker returns to the Beck Theatre this Thursday. This heart warming traditional tale tells the story of Clara and her nutcracker doll, which magically transforms into a princely soldier.
The pair embark on an adventure where they battle the Mouse King and join the Sugar Plum Fairy for a wonderful trip into a kingdom made entirely of sweets.
All the essential ingredients of ballet are present in this stunning production by the Vienna Festival Ballet Company, which features glamorous costumes, beautiful sets and energetic performances.
Now in its 28th year, the company has experienced remarkable success and continues to perform enthralling classical ballet productions across the globe.
*Vienna Festival Ballet presents The Nutcracker on Thursday, November 27 at 7pm. Tickets cost from £16.50 to £21 from the Beck's box office on 020 8561 8371 or via the website, www.beckthreatre.org.uk .


text:
We are looking for more Foster carers for children in Tendring
Dates: 11 July 2015
Do you live in Manningtree, Mistley, Bradfield, Tendring or other areas to North Essex close to the Suffolk border and are possibly thinking about becoming a Foster Carer?
If so, why not come along to find out more about fostering children in Essex at our stand at the Tendring Show this summer?
We can answer your questions, explain how the process works and tell you how to take the next step on this exciting journey.
If you can't make this event, there are always plenty of other events we organise, or you can always call on 0800 121 6401, email firstname.lastname@example.com or contact us via this website form Also we have some fantastic FAQs which are very useful to the prospective foster carer.
11th July
Tendring Hundred Show
Lawford House Park
Bromley Road
Nr Maningtree


text:
Shipping Information:
Products are shipped by UPS or USPS in the Continental USA. Pallet size orders will be shipped by common carrier.
Cost of express shipments or shipments outside of the Continental USA are greater. Parcel Post to P.O. Overnight, 2nd day or 3rd day express shipments are available at additional costs. Call Cherchies Customer Service at 1-800-644-1980 for details.
(Shipping charges apply to each shipping address.)
|Continential US Shipping Charges
|$0.00 to $9.99
|$10.00 to $24.99
|$25.00 to $39.99
|$40.00 to $74.99
|Over $75.00
Returns Policy
You may return most new, unopened items within 30 days of delivery for a full refund. We'll also pay the return shipping costs if the return is a result of our error (you received an incorrect or defective item, etc.).
You should expect to receive your refund within four weeks of giving your package to the return shipper, however, in many cases you will receive a refund more quickly. This time period includes the transit time for us to receive your return from the shipper (5 to 10 business days), the time it takes us to process your return once we receive it (3 to 5 business days), and the time it takes your bank to process our refund request (5 to 10 business days).
If you need to return an item, please Contact Us with your order number and details about the product you would like to return. We will respond quickly with instructions for how to return items from your order.


text: Lynn has resided in the Hamptons for the past 20 years and has over 10 years of experience in the world of real estate. Prior to devoting all of her time to real estate, Lynn ran a highly successful business in the pet industry, selling her products to clients all over the world. It is that businees mind set and professionalism that has contributed to her success. She is among the Top 10 Producers of Prudential and is the top selling agent in her office. Lynn also has the distiniction of being a Fine Homes & Waterfront Specialist. She possesses a wealth of experience and knowledge of the complex navigatable waterways that Hamptons living affords. Lynn spares no expense when marketing her properties and has fine tuned her advertising repertoire to facilitate the right buyers for the exceptional properties she is proud to represent. In today's market the internet is the most efficent way to get exposure, Lynn is continually finding new ways to use the internet to her client's advantage. Lynn also utilizes technology as a sharp tool for maintaining continuous communication with her clients and customers. Through wireless access, wherever, whenever, she is always available. Speak to any of her clients past and present, they will tell you Lynn's attention to detail, her strong negotiating skills and most of all, her willingness to go above and beyond her competitors sets her apart from the rest.


text:
Imagine utilizing your own subconscious talents as you enter the incredible field of hypnotism.
Whether your goal is to start a new career, or satisfy the curious itch of learning the secrets of the mind, Jason Linett's LIVE hypnosis training events have successfully launched hundreds of new practitioners worldwide.
Jason's courses are unique as they teach the WHY and HOW of hypnosis. Too many training fall short as they only supply you with a book of "scripts," presenting the idea that the words are magic.
As you train with Jason, you will learn his "Work Smart Hypnosis" systems of success, how to transcend technique to work directly to your client's needs, and complete strategies for a range of issues such as weight loss, eliminating stress or fears, eliminating unwanted behaviors like smoking or drinking, and performance enhancement.
Watch this video to learn more about your next training opportunity:


text:
Fashion Trend Report: Blush
This romantic color is a new designer favorite.
One aspect of spring and summer that we love is that everything just seems softer—it's as though the world takes on a soft-focus glow. It could be the long, lazy days or the desire to wear all things light and lovely, but whatever the cause, we're embracing our softer sides. Just a peek at the Spring/Summer collections reveals that designers were doing the same as they embraced blush for the warmer months.
Designers including Justin Thornton and Thea Bregazzi for Preen, Miuccia Prada for Miu Miu, Olivier Rousteing for Balmain and Tory Burch sent blush looks down their runways. While the color does impart a certain inescapable ladylike essence, designers played with cut and fit to give their blush garments a dose of something extra. At Preen it was minimalist elegance, at Miu Miu and Balmain there were plays on texture with fringe and lace, while Tory Burch imparted glamorous shine.
Celebrities have also become partial to this romantic hue. We've seen it on everyone from movie star Cate Blanchett to small-screen actors such as Zosia Mamet and model Suki Waterhouse.
Get your hands on some gorgeous blush pieces before the warm weather runs its course. We love these pieces from Lulu's, Bloomingdale's, Zappos and Nordstrom.
Billabong Wanderin Breeze Blush Muscle Tee, $24, at Lulu's; Bobbi Brown Grace Cat Eye Sunglasses, $149, at Bloomingdale's; Michael Kors Collection MK5896 Parker Watch, $250, at Zappos; Aidan Mattox Lace Sheath Dress, $198, at nordstrom.com


text:
News & Media
Assura Property of the Week: Bewdley Medical Centre
Assura's property of the week is Bewdley Medical Centre located in Bewdley, Worcestershire.
This brand new state of the art primary care premises has vacant units to let. Bewdley Medical Centre is located in the heart of the small riverside town; offering more than just medical facilities, with a public library already on site and plans for a cafe, Bewdley Medical Centre really is a community hub.
The vacant space is split between two units on separate floors. The first unit is located on the first floor. It offers 217 sqm of space to let and has self-contained access from the ground floor. The second unit located on the second floor is accessible from the main stair case and offers 87 sqm of space to let. All of the available accommodation is currently in shell condition and would be suited to a healthcare use.
If you would like more information on the space available at Bewdley Medical Centre or at any other one of our primary care premises, please call us on 01925 420660 or email us at firstname.lastname@example.com


text:
Our Covid hours are from 7am-1pm weekdays & 7am-2pm weekends/ Holidays!! 🍳 We have limited indoor seating & takeout available. For indoor seating join the waitlist on Yelp (link below) before you head over. This is not a reservation so please only add yourself if you will be coming within the given quote time. For takeout orders we are only accepting orders online (link is in the banner above/Online ordering shuts down around 20 minutes before closing). We are not accepting takeout orders through the phone. A $1.50 charge will be added to any order over $15 to help with the increased costs of State mandated PPE & CDC recommended sanitization measures. This allows us to keep a safe atmosphere for both our customers and staff. Thank you for understanding and supporting our family business during this difficult time 💜
French Toast, Pancakes, & Waffles - Menu
Can be added to any French toast, pancake or waffle.
Strawberries, blueberries, bananas, whipped cream & powdered sugar.


text:
The dark and dreary doldrums
Oh, the winter doldrums. Rain. Wind. Clouds. Mud. Gloom. Cranky baby.
Do babies realize when the world is colorless and drab? Does it affect them like it does adults?
There's a cranky baby living at my house this week. I think her stomach is bothering her. Or maybe she's teething. Aren't all new parents supposed to blame all their baby's maladies on teething? Whatever it is, she ain't happy about it. And she's definitely not going to sleep through it. All day long it's been, "Mama hold me. No, lay me on my play mat. No, I changed my mind, I want to swing. NO, I said feed me! Do NOT walk away from me, Mama!" Of course, it's not easy to interpret all these commands when they all come in some form of "AAAAaaaaaaaaa."
On days like these I remember a blog post I read on (in)courage back when Amelia was only a few weeks old. I bookmarked it then because I knew I would need it one day. There was a specific quote that stuck out to me. From Brother Lawrence, a 17th century monk that I had never heard of. But I love this quote of his anyway. And since he has never heard of me either, we're even.
"We ought not to be weary of doing little things for the love of God, who regards not the greatness of the work, but the love with which it is performed."
I think I'm going to print this out today and tape it to my forehead. Or better yet, Amelia's. I'll be sure to see it all day long that way.


text:
And I still blame my parents in toto for re-making of me what I never actively pursued, at least up to my 30th year, give or take:
Just a plain old run-of-the-mill Roman Catholic who:
- is rigid in holding fast to all that was taught by Our Lord.
- a believer in Christs' Love for all and equally as fearful of His Judgments.
- a believer of the 10 Commandments - AS WRITTEN, WITH NO SUBSETS - and the requisite knowledge that failure to live within them can lead to (despite what some Catholic priests say to the contrary) Hell.
- a supporter of the SSPX and the now-numerous other Traditionalist Orders, i.e. ICK, FSSP, Benedictines of Mary, etc.
- the very-rare ability (which I had mistakenly supposed every Roman Catholic to have) to see through the man-centered, New World Order orientation of the Modern Church. A Church that now openly embraces many non-Catholic schemas: ecumenism, sodomy, fornication and anarchy (relative to mass immigration and open borders), to name a few of the many.
But mostly, I have the (apparently innate) ability to see the wolves in sheeps clothing, up to and including Pope Francis as he (seemingly) struggles with teaching the One True Faith to the World. Regardless, I believe he is the Pope and pray for him at each Rosary (although some of his actions can lead anyone to conclude that Francis himself doesn't believe in toto the Catholic Faith).
So why this post? Why my bully-pulpit rants?
Because of my disbelief in how fellow Catholics within the Modern church cannot see these same wolves feasting upon the Body (and Souls of my fellow Catholics) of the earthly Church of Our Lord Jesus Christ, whilst simultaneously neutering its very core.
- Why didn't the New York Faithful vent their displeasure over the Diocese/Vatican approved MET gala by withholding funds from the Sunday Collections, say...for one year?
- Why haven't the Catholic Bishops of the world stood enmasse before the Face of the Catholic Church on Earth and read him the riot act? And no, IMHO, he is not deserving of anything less than the riot act because he has done more worse to various Catholic Faithful the past 5 years.
- Why haven't the Cardinals who elected Jorge Mario Bergoglio done the same as what the Bishops ought to have already done? Are they, too, protecting their gilded and most exalted positions, perhaps? A man cannot serve two masters, ya'll...
- Why have ordinary Catholic pewsitters seemingly abrogated their own knowledge of the Bible, Christ's teachings, past Papal documents and Objective Truth? Why follow unquestioningly most everything that comes from Rome - and especially Pope Francis - as straight-from-Mount-Sinai-commandments, when such pronouncements are objectively proven to be otherwise, vis-a-vis adding subsets to the 6th and 9th Commandments to make fornication and adultery morally licit.
Some may mistakenly think this post a "I-am-sooo-much-holier-and-smarter-than-thou" pontificating or as RadTrad right-wing Catholicism. Such is not my intention. What is my intention is trying to understand mindsets that allow an unquestioningly blind obedience to what has heretofore always been verboten. How can a mere mortal - Pope or not - change what God Himself has stated is immoral and illicit? God can never be wrong about anything...(duh!) If a man can be born a homosexual (so says The Francis) by God's Providence, then Sodom and Gomorrah was a lie.
If Sodom and Gomorrah was a lie, then so was the Old Testament. And if the Old Testament was a lie, then God is a lie (as atheists believe). And if God is a lie, then so is Our Lord Jesus Christ, the Blessed Virgin Mary and St. Joseph. They were just a family of Jews that happened to be very meek and very holy, that also had an unspeakable horror inflicted upon their son. (So much for Roman justice, eh??)
And so...where does all the above eventually lead? Isn't it right where we are at this moment in time? Alone and adrift in a sea of Who am I's? Am I saved? Am I Sedevacantist? Am I Opus Dei-ist? Am I Radical Traditionalist? Am I Alphabet Soup-ist?
Where did all the Roman Catholics go? How did we all start self-identifying as something other than what we are and believing our particular flavor is right? More importantly, how did we all get the notion that the Vatican - populated as it is with various
I am really, really tired...does anyone have a new Catholicism flavor I can try that doesn't make me so tired but still gets me to Heaven? And more importantly, does not get God so mad at me that the pearly gate gets locked before I even get to knock?
But then, again, just how hard is it to simply be a Roman Catholic, live (or try to, as our fallen nature permits) as Our Lord intended and His Church (and not the Vatican II/Francis version) asks?
Copyright 2018 David Heath - All Rights Reserved


text:
Here at Freedom our team of people make the difference. With our experience and knowledge we create an effective solution for you. We select only the best products to ensure reliability, security and peace of mind. When we visit you for your site survey, we will guide you through the process and make sure you have a system that performs.
After the system design has been agreed, Freedom will arrange the installation. Our qualified engineers will carry out the installation and commissioning (testing) of your chosen system.
When commissioning is complete, your system will become live. The camera images are fed through into our software and the moment any threatening activity is detected, the live feed from your cameras will be monitored by one of our control room operators.
Control room operators have extensive training in dealing with every situation. They are trained in anti-kidnap protocols and in the prevention of terrorist activities. Once they are in charge of a situation on your site, they will continue to monitor until the police are onsite and the intruders have been arrested or the area cleared, checked and checked again. The following day an incident report is sent to you and acts as a record of activity on that site.
Freedom systems ensure that every camera is polled constantly. Constantly checking that images are being fed into the detection software to ensure cameras are in working orderand if a camera is not producing images, it is investigated and, if necessary, replaced.
This process ensures minimum down-time and your site is fully protected in the soonest time possible should there be a technical issue.


text:
How (& why ) to follow up on an Internship application
Are you often left wondering that despite doing everything right (starting from extensive research on the company to writing a concise and relevant CV and cover letter), why does your internship application still not elicit a response from the employer? Could it be because you are not doing the next right thing – follow up!
Of the 140 internship applications that Internshala received last month for a web development internship, only 3 students followed up with me on the status of their applications. I was left wondering if the rest of the candidates were not serious enough about this internship or they just did not know the advantages of a well-executed follow up.
With year entering into March, I am sure many of the students must have intensified their internship hunt and may be busy writing to new companies/professors every day. But in this mad rush of applications, do not let go of your previous applications – at least not that easily. You anyway have done 80-90% of the hard work, why leave last 10% to chance?
Why to follow up
1. Let's accept that recruiters are human beings – they, just like any of us, may be busy with other tasks, may not have checked their emails, may have missed it first time, may not be well, may be travelling or something else – the point is other than "your CV not matching with the requirements", there could be N reasons why you have not heard back from the employer and hence don't just assume and write back.
2. A follow up indicates a serious interest in the internship and makes you stand out from 100s of other similar profile candidates who have NOT followed up. It gives the recruiter comfort that your first email was not part of a "mass emailing" attempt. We all have done mass emailing at some point or other – how many times did we follow up? There lies your answer.
3. It is an opportunity for you to start another conversation with the employer, maybe you found some more info about the project since your first email, maybe you upgraded your skills, or received a relevant award or certificate that you would like recruiters to know – a follow up is an excellent chance to build on the conversation.
How to follow up
Now that you know there are pretty good reasons for follow up, comes the tricky part – how to follow up? Here are my thoughts –
1. Allow 2-3 days working days gap between 2 successive communications – too often than that may irritate the recruiter and too much gap may mean that the employer has forgotten all about your first email. Balance the two.
2. Do not write a fresh email for follow up. Use the first email as the trail and top it up with a brief of request again (see example below) – make it easier for the recruiter to establish a reference to an earlier email.
3. Please, please and please – do not use SMS language or make grammatical/spelling mistakes in a professional communication. It is still looked down upon.
4. If a couple of follow up emails also go unanswered then you may consider reaching out through other channels such as phone, Facebook, LinkedIn etc. (do refer to earlier emails) – if that also does not yield a response, I think it's best to let the internship go.
Admittedly, follow-ups are no guarantee of you getting the internship. It only ensures that you tried your best and left nothing to chance. There would still be people who would not respond and the best way to deal with that is to accept it as part of the process and move on to better opportunities.
Hope this helps. Have something to say, ask, critique or know of an internship opportunity that you would like others to know – post it right away! If you like what you read here, do share with another friend.
If you haven't already, register on Internshala and apply to some cool internships to kick-start your career.


text:
Money damages fall into two categories: compensatory damages and punitive damages. Compensatory damages are awarded to compensate an injured party for his or her injury. Punitive damages are awarded to punish a wrong doer. In some jurisdictions only compensatory damages may be recovered. In order to warrant the recovery of damages, the defendant should commit a wrongful act which should result in damage to the plaintiff. A wrongful act without damage does not constitute a cause of action.
Compensatory damages are classified as either general or special. General damages are those that necessarily result from the injury which forms the basis of the complaint. Special damage must be specially pleaded. Although special damages need not be the necessary and usual result of the wrong, they must be a proximate result thereof.
Punitive Damages are those designed to punish a wrongdoer and to deter the wrongdoer from engaging in similar conduct in the future. The Supreme Court of the United States in a number of decisions has limited the award of punitive damages through the due process of law clauses of the Fifth and Fourteenth Amendments to the United States Constitution. Punitive damages are awarded in cases under tort law. Although punitive damages are not awarded to compensate an injured party for his or her loss, in some states punitive damages are recoverable as compensation to the plaintiff not as punishment of the defendant.
Nominal Damages are awarded to the non breaching party when only a "technical" injury occurred resulting in no actual damages. The amount awarded is ordinarily a small amount, such as a dollar, which varies according to the circumstances of each case.


text:
Aluminum Oxide Spheres
- Item #: AOWSphere
*For orders of Aluminum Oxide Spheres please call 215-444-9315, there may be additional processing time (approximately 7-14 days) for your order
Aluminum Oxide (Al2O3) Spheres
Panadyne offers custom Aluminum Oxide spheres. The aluminum Oxide spheres have excellent mechanical properties and are often used as grinding media in a variety of mills. The spheres have high compressive strength and scuff-resistance. Spheres are offered in a 92% & 99% purity to serve both grinding and packing applications. Please contact us for more information.
Typical Properties: High Hardness, High Compression Strength, Abrasive Wear-Resistance, Resistance to Thermal Shock, High Melting Point
Typical Applications: Grinding, Filtration, Milling, Packing


text:
Palestine Daily Herald. (Palestine, Tex), Vol. 10, No. 102, Ed. 1 Monday, December 11, 1911
Description: Daily newspaper from Palestine, Texas that includes local, state, and national news along with extensive advertising.
Date: December 11, 1911
Creator: Hamilton, W. M. & Hamilton, H. V.
Item Type: Refine your search to only Newspaper
Partner: Palestine Public Library


text:
Owns and champions the project management, layout, content and design of presentations and training on Liquid Galaxy. Works directly with our Field Research, Sales Management, Location Intelligence and Marketing colleagues to complete presentations and tours for the local office. Engages as part of a growing national group of Liquid Galaxy experts where collaboration and sharing of best practices are expected. Liquid Galaxy is an immersive visualization tool that allows for 3D geospatial flight in a large-format viewing environment. It combines Google Earth imagery, video/graphics overlays, 3D renderings and pre-programmed flight paths to create a dynamic presentation experience. E SSENTIAL DUTIES AND RESPONSIBILITIES
Produces graphic design artwork using the CBRE brand to support presentation efforts in Liquid Galaxy
Partners with the marketing design team to create customized, client-branded graphics for use in business development presentations in Liquid Galaxy
Partners with research and sales professionals to obtain and understand appropriate content, visualize, and manage content updates as necessary
Google Earth mapping skills to create presentations and tours
Works with other digital and web-based CBRE programs as appropriate
Demonstrates Liquid Gala xy to internal and external clients
Helps troubleshoot technical issues as needed
Other duties may be assigned SUPERVISORY RESPONSIBILITIES
No formal supervisory responsibilities. May provide informal assistance such as technical guidance and/or training to coworkers. May coordinate and assign tasks to coworkers within a work unit and/or project. Presents new ideas to members of the team.
QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION and EXPERIENCE Bachelor of Fine Arts degree preferred with a minimum of two years related experience and/or training.
Bachelor's degree with a minimum of 3 years of related experience preferred. Experience in commercial real estate a plus.
CERTIFICATES and/or LICENSES None. COMMUNICATION SKILLS Excellent written and verbal communication skills. Strong organizational and analytical skills. Ability to provide efficient, timely, reliable and courteous service to internal clients. Ability to effectively present information to clients at various levels. Strong organizational and analytical skills preferred.
FINANCIAL KNOWLEDGE Requires ability to do project budgets and cost estimates. REASONING ABILITY Ability to comprehend, analyze and interpret research data and documents. Ability to solve problems involving several options in situations. Requires basic analytical and quantitative skills.
Ability to apply critical thinking and problem-solving skills to different situations preferred.
OTHER SKILLS and ABILITIES Must have a solid grasp of fundamental concepts of print and web publishing and graphic design principles. Intermediate skills with web design. Strong skills in Adobe Photoshop, Illustrator and InDesign. Familiarity with Adobe Dreamweaver. Strong skills in Microsoft PowerPoint and Word. Familiarity with MS Excel. Basic project management, editing and writing skills required.
Intermediate skills in Adobe Creative Cloud preferred.
Familiarity with HTML, SharePoint and/or other CMS platforms preferred.
Familiarity with Microsoft Office suite preferred.
Experience with Google Earth, KML files, GIS skills and content management systems highly preferred.
Comfort working directly with internal clients preferred.
Self-starter with a service-oriented, can-do attitude preferred.
Ability to self-manage and a desire for ownership preferred.
SCOPE OF RESPONSIBILITY Decisions made with thorough understanding of procedures, company policies, and business practices to achieve general results and deadlines. Responsible for setting work unit and/or project deadlines. Errors in judgment may cause short-term impact to department.


text:
The last time Treasury and the banks got together the country was on the brink of a financial collapse. Who would live (Bank of America) and who would die (Lehman Brothers) was determined at these unprecedented public/private meetings. Well, it's déjà vu all over again—the U.S. is on the verge of another financial nervous breakdown as hopes to raise the debt ceiling and avoid default are fading like a tie-dyed print that's been in the sun too long.
Executives from the nation's largest banks will have an opportunity Friday to ask Treasury Department officials face to face about what will happen if Congress fails to raise its borrowing limit before next week's deadline. The Treasury late Thursday invited 20 of the largest banks to a meeting to discuss an upcoming quarterly auction of government debt. The discussions will take place at noon at the New York Federal Reserve.
Officials representing the bond-trading divisions of banks including JPMorgan, Citigroup, Goldman Sachs and Barclays Capital have been invited to the discussions. Officials said they wanted to meet with all of the big banks involved in the Treasury bond market in light of the concerns confronting the market at the moment with the impasse over approving an increase in the government's $14.3 trillion borrowing limit.
The government issues large amounts of securities every three months in a process called a "quarterly refunding." The next refunding is scheduled to take place the week of Aug. 15 and is expected to feature the sale of different types of securities on Tuesday, Wednesday and Thursday of that week. However, the size of those auctions and their timing have all been put into doubt by the congressional impasse over the debt ceiling.
Officials have warned of serious consequences if the Treasury failed to make payments on its debt, triggering a default that could send shockwaves through financial markets around the world. However, so far the Treasury bond market has continued to function normally, indicating that investors expect Congress to pass an increase in the debt limit before a default occurs.
Financial analysts have said that Treasury would be expected to use any existing cash on hand to make interest payments to prevent a default for as long as possible. Some private economists have suggested that the government's cash reserves could be enough to prevent a default for perhaps two weeks beyond the Aug. 2 deadline.
Treasury officials refused to provide specifics on what they planned to tell the major financial institutions on Friday but they indicated that the discussions would allow officials to hear concerns voiced by the biggest participants in the bond market.


text:
A popular selection of our artisanal french-style chocolates in a classy white tin box. Each ganache is made with lots of love, dark chocolate, a minimum of 66% cocoa, natural ingredients and free of gluten.
Our flavors: Black Currant, Caramel Cookie, Chocolate Blond & Baileys, Chocosina Apple Surprise, Citron, Citron Vert, Coffee Crunch, Passion Fruit, Ginger, Grand Crus (85%), Fresh Mint, Flower's Honey, Maple Caramel, Old Fashioned Praline, Orange Almond Paste, Pistachio Paste, Raspberry, Raspberry Maple, Szechuan Pepper, Rum Raisin, Salted Caramel, Whisky.
Every box is assorted including all flavors. For specific flavors only, please include the number of each desired flavor in MY FAVOURITES.


text:
qatsi's Dewey Decimal Section:
809 History, description & criticism
qatsi = 71099 = 710+99 = 809
800 Literature
Literature, criticism, analysis of classic writing and mythology.
What it says about you:
You're a global, worldly person who wants to make a big impact with your actions. You have a lot to tell people and you're good at making unique observations about everyday experiences. You can notice and remember details that other people think aren't important.
Find your Dewey Decimal Section at Spacefem.com


text:
We appreciate your continued support of The Stanwich School! If you'd like to pay by e-check or make simple monthly payments, please contact Elizabeth McIntyre, Director of Advancement at email@example.com or (203) 542-0030. Monthly payments are a great way to maximize your support and they're quick and easy to process!
To make a pledge, click HERE. Pledges must be fulfilled by June 30th.
Information provided will be used to process your donation and update our mailing list for future correspondence from The Stanwich School. The Stanwich School does not sell, trade or exchange donor information.


text:
An Insider's Assessment of Medical Journals and Peer Review
The author, Thomas Stossel, is American Cancer Society Professor at Harvard Medical School and co-director of the division of hematology at Brigham and Women's Hospital. This is an excerpt of his column in the December 30 Wall Street Journal (requires subscription). It confirms the "passes the smell test (maybe)" perception that "peer review" deserves discussed at this previous post ("What Does 'Peer Review' Mean?"), and notes that the term does not deserve the high ground it currently holds:
The (media) message in all this is clear: Medical academics are saints — devoted selflessly to patient care — and corporate people are sinners, morally blinded by greed. But having worked in academic medicine for over 35 years and consulted for companies, this Manichean duality is inconsistent with my experience and a woeful distortion of reality. In a Sept. 8 article in the New England Journal of Medicine, I reported that no systematic evidence exists that corporate sponsorship of academic research contributes to misconduct, bias, public mistrust or poor research quality.
….. But unbeknownst to the media, the journals at the top got there because of herd behavior by researchers, not because they are better than lower-tier journals at vetting research quality. Here's why: Researchers submit their best work to the top journals, which can therefore afford to maintain their prestige by rejecting, not publishing, many high quality papers. That's brand creation — not science. Most of their editorial effort goes into deciding which submitted papers are sufficiently newsworthy. Anonymous peer review by jealous competitors has its merits, but it has a tendency to select for fashionable if relatively unoriginal and inoffensive papers. Top medical journals compete for papers describing large clinical trials reporting small effects of treatments for diseases affecting many people, although these reports often do not substantively advance scientific knowledge, and many subsequently are invalidated.
And no description of medical research in a medical journal comes close to the detail level or intense scrutiny imposed by the FDA on companies' documentation of drug or device development before approval. Space constraints for readability and cost-savings preclude journals from publishing detailed information on the order of what companies file with the FDA, and unpaid journal peer reviewers, not to mention practicing doctors, would never read it anyway. The recent Korean cloning fiasco, in which the leading science journals published blatantly fraudulent papers, wasn't the first such incident to afflict prestige journals, and it could never happen under conditions of FDA review. Indeed, doctors should take all studies published in "prominent medical journals" with "skeptical caution."
The lower stringency of journals compared to the FDA is a good thing, because academic biomedical research would come to a screeching halt if subjected to anything even approximating FDA examination. Scientific knowledge advances reasonably efficiently, and new technologies emerge, despite the looseness of journals. And researchers' craving for prestige goads them to greater efforts.
If reporters understood that journals are magazines, not Holy Scripture, we might not be witnessing ever more onerous regulations inhibiting interactions between academic and industry science. Prestigious biomedical journals are good for our health — provided they stick to their core business of facilitating imperfect communication between researchers. Leave drug and device monitoring to the FDA — and theology to theologians.


text:
Browsing: Ink cartridges
Regal Packaging Ltd
Proudly NZ owned and operated – since 1997. Regal supply the most economic – maintenance free – THERMAL INKJET coding printers and cartridges on the market. We offer an exclusive range of porous and non porous inks to cater to most applications. Our polymer thermal inkjet inks are unique as they contain polymer resins – meaning they are hard to rub and scratch off plastic, glass and most metals. We are the exclusive NZ agents for Digital Ink Technologies.
Leanne Reid
1st Floor, 19D Triton Drive
Auckland 0632
New Zealand
Codemark Limited is an Industry leader and Domino Printing Sciences distributor of Ink jet Coding, Laser Marking & Engraving, Thermal Transfer Printing, Thermal Ink jet, and Label Print & Apply Solutions.
Contact us for all your date coding, batch numbering, barcoding, ingredients printing, product identification, serialisation, anti-counterfeit, label print and apply and adhesive blank label requirements.
With branches in Auckland, Wellington and Christchurch we cover New Zealand and South Pacific Islands with 24/7/365 technical support, Codemark has the technology and the expertise to provide reliable, cost effective coding and marking solutions.
Typical industries we service include Food, Egg, Fisheries, Dairy, Beverage, Water, Pharmaceutical, Cosmetics, Chemical, Extrusion, Cabling, Manufacturing, Timber, Glass, Canning, Metal, etc.
Gordon Thompson
Tamsin Coburn
Martin Kietzmann
31 Monowai Road, RD1
Auckland 0994
PO Box 33422
Auckland 0740
New Zealand
New Zealand
021 615 844
Christchurch 8042
New Zealand
New Zealand
Wellington 5012
New Zealand


text:
Zacks Investment Research downgraded Companhia de Saneamento Basico do Estado de São Paulo, or SABESP ( SBS ) to a Zacks Rank #5 (Strong Sell) on December 28.
Why the Downgrade?
Post the release of third quarter 2012 results; estimates for this water supply company witnessed a sharp fall in estimates. For 2012, the Zacks Consensus Estimate decreased 6.3% to $7.87 per ADR over the last 60 days while that for 2013, went down 9.8% to $8.35 per ADR.
On November 14, 2012, SABESP reported its financial results for the third-quarter 2012. Earnings per ADR of $1.59 in the quarter missed the Zacks Consensus Estimate of $2.13 per ADR. Negative earnings surprise in the last two quarters has more than offset positive surprise in the third quarter, resulting in trailing three quarters average negative earnings surprise of 0.8%.
Headwinds emanating from escalating cost of sales and services (roughly 59% of total revenue) largely impacted margins in the quarter. Gross margin came in at 41.3%. Operating expenses, including selling, administrative and other expenses in the quarter jumped 5 percentage points in the quarter to 16.8% of total revenue.
Besides these, risks arising from political interference, mounting debt levels and foreign exchange losses cannot be ignored since these problems pose serious threat to future growth.
Other Stocks to Consider
Not all utility-water supply stocks are performing as poorly as SABESP. The following water supply stocks with favorable Zacks Rank are performing well and are worth considering.
1) American States Water Company ( AWR ) carries a Zacks #1 Rank (Strong Buy)
2) American Water Works Company, Inc. ( AWK ) holds a Zacks #2 Rank (Buy)
AMER WATER WORK (AWK): Free Stock Analysis Report
AMER STATES WTR (AWR): Free Stock Analysis Report
SABESP -ADR (SBS): Free Stock Analysis Report
To read this article on Zacks.com click here.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.


text:
Article by Sorosh Tavakoli
It is extremely hard to get an idea of what a person will be like at work through classic interviews alone. The best way I know around this problem is by making reference calls. Done well, they are gold mine.
I'm not trying to capture everything involved in checking references, but here are some things to consider:
- Always try to find some "backdoor references." Don't just rely on the applicant's provided references.
- Anyone taking a reference call will usually have a desire to be helpful to the applicant. Your job is to get through that initial kindness and go deeper.
- Don't focus on validating your own assumptions. Instead, ask open-ended questions and listen. Be quiet and let the reference speak.
- One good way to get the reference to open up is to frame the conversation as "help me best manage my future recruit." It'll be easier to get information about weaknesses and how to manage them if you do this.
The 8 Questions You Should Always Ask When Checking References
Here's the reference-checking script I've used for the past seven years:
- What was your relation to the applicant and for how long?
- What were the applicant's major accomplishments?
- Key strengths? If I hire her, what are the things this person should totally be doing, the areas where she kills it?
- Weaknesses or areas for improvement? What things should I not have her do? Where will I get the least out of her?
- (Explain the role you are hiring for, then ask) Do you think she would be a good fit for this role? Why?
- Do you have any advice for us if we hire this person? How do I best manage her? What motivates her?
- Would you hire this person again? (It is important to listen to the reference's tone here.)
- Compared to all the people you've worked with, how would you grade this person on a scale of 1-10?
Master the art of checking references and remember it's one of the best ways to spend your time. Bad hires are probably the most expensive mistakes we make – and many of us make these mistakes often.
A version of this article originally appeared on 42Hire.com.
Sorosh Tavakoli is the founder of Videoplaza and entrepreneur in residence at Founders Pledge.


text:
MobiKwik, India's largest digital financial services company, successfully concluded the second season of MobiKwikathon, called MobiKwikathon 2.0. The 24- hour hackathon, aimed to further encourage innovation within the company, received an overwhelming response from the MobiKwik employees, with participation from over 100 employees. There were 3 key themes at MobiKwikathon 2.0- UPI (United Payments Interface), Big data and Productivity. A total of 35 teams of 3 members each participated in the hackathon that witnessed marathon 24 hour of brainstorming. The teams were evaluated by a panel of esteemed judges, which included Mr. Aloke Bajpai, Co-Founder and CEO, ixigo and Ms. Riddhi Mittal, Co-Founder, Finomena.
MobiKwik is India's leading digital financial services platform, a mobile wallet major and a leading payment gateway. MobiKwik app is a leading mobile payment platform with a network of over 3 million direct merchants and 107 million plus users. Founded in 2009 by Bipin Preet Singh and Upasana Taku, the company has raised four rounds of funding from Sequoia Capital, American Express, Tree Line Asia, MediaTek, GMO Payment Gateway, Cisco Investments Net1 and Bajaj Finance. The company has offices in New Delhi, Mumbai, Bangalore, Pune and Kolkata. It aspires to be the largest source of digital transactions in India and has a vision of enabling a billion Indians with one tap access to digital payments, loans, insurance and investments, by 2022.
Team 'Churn Slayers' were announced the winner of MobiKwikathon 2.0 for their idea based on the theme 'big data'. The team built a 'User Churn Prediction Model' using machine learning and big data. Team 'Van' secured the second position for their idea on the theme 'Big Data' that helps the user to do better financial management including expense tracking, payment of bills and setting up a budget on a monthly basis. The team '3 Musketeers' finished third for their idea based on big data and productivity that aimed at showcasing the nearby merchants to a MobiKwik user, at the click of a button. The winning teams together won a cash prize of INR 3 lakhs.
MobiKwikathon 2.0 was organised to challenge talented techies to 'think out of the box' and raise the bar on innovative ideas and develop newer solutions that add value to business. The idea was also to motivate employees and encourage their participation in such innovative tasks.
Echoing the need for more such activities, Ms. Upasana Taku, Co-Founder and Director, MobiKwik said:
"MobiKwikathon 2.0 was a grand success. It turned out to be a rewarding and challenging forum for some of the best and brightest minds in the organisation to showcase their talent and prove their mettle. We, at MobiKwik constantly strive to engage our employees and motivate them to realize their true potential. Innovation is key to the success of any brand and we will continue to organize such activities so as to breed a culture of innovation within the organization."
The 24-hour Hackathon was a mix of learning, brainstorming and team bonding. MobiKwikathon 2.0 challenged participants to create solutions and pathway to any live problems that the business could be encountering.
MobiKwik believes in the 'power of partnerships' and has forged a string of smart partnerships with leading blue-chip brands such as BSNL, Bajaj Finserv Ltd and IndusInd Bank in the year 2017. In August 2017, BSNL went digital by launching a bespoke mobile wallet developed and issued by MobiKwik. Bajaj Finserv-MobiKwik have partnered to launch India's first credit wallet, an EMI wallet through which customers can avail credits and loans. MobiKwik has also developed India's first auto-load wallet for IndusInd Bank's 10 million plus customers. The company has also signed a pact with IDFC bank for the launch of virtual cards.


text:
Faculty of Applied Health & Community Studies
Educational Support – Fast Track Intensive
Help students with special needs achieve academic and social success.
Learning Outcomes
- Provide educational support in compliance with pertinent education-related legislation, standards, regulations and policies, health and safety legislation and regulations, as well as organizational policies, practices and procedures.
- Develop and implement strategies to promote and support positive school climates that contribute to a safe, caring and secure educational setting.
- Collaborate with members of the Individual Education Plan (IEP) team by assisting in the development and revision of the IEPs of learners with exceptionalities.
- Implement components of educational support programs of instruction under the direction and support of the IEP team and/or relevant members of the school community.
- Lead by example to promote empathetic, positive, and pro-social behaviour in all learners to facilitate the development of social competence in learners with exceptionalities in accordance with their IEPs.
- Promote the development of independence in, and provide assistance to, learners with exceptionalities in their performance of routine activities of daily living (ADLs) and instrumental activities of daily living (IADLs) in accordance with their IEPs.
- Develop and implement strategies to support learners with exceptionalities in the appropriate use of assistive technologies and daily living aids in accordance with their IEPs.
- Monitor, document and report on the behaviour, performance and progress of learners with exceptionalities in accordance with their IEPs.
- Prepare and present a plan for engaging in ongoing personal and professional development to promote competence in the educational support field.


text:
Ep 1 – Studio 60 on the Sunset Strip
On this episode, Kei & Clyde discuss what they love about watching the premiere episode and why Studio 60 on the Sunset Strip is a great pilot to discuss on their first show. They also discuss some of the other shows they're watching and what's coming up that they are excited to see. Get the pilot episode here
Podcast: Play in new window | Download


text:
You Said and We are Doing
UCC is entering a period of significant change, the new Academic Strategy aims to build connections to provide curricular coherence and to enhance the student experienceFind Out More
Student Survey.ie is a powerful tool for supporting enhancement of the experience of students and staff in higher education
The feedback that you provide is integral in order to improve the quality of services that UCC provides on your student journey.Find Out More
1. You said detailed feedback, including exam feedback, helps you make progress academically.
As part of the Connected Curriculum, assessment practices will be aligned with learning outcomesFind Out More
2. High quality academic support and online resources are important to you, particularly when making study choices
Together with our very well received tutorial sessions run across all disciplines, a new Virtual Learning Environment (VLE) will be implemented in the coming months, just in time for the next Academic Year.Find Out More
3. You said that you would like us to offer more online learning opportunities.
UCC is committed to ensure flexibility in the delivery of our programmes, to strengthen the provision of online programmes and enhance access to lifelong learning and greater CPD opportunities.Find Out More
4. More focus on 'personal development' and 'employability' and the ways in which a UCC degree allows you to apply what you have learnt in a real world context.
UCC is committed to supporting the development of graduate attributes which are considered important and seen as vital to employers as you embark on your career.Find Out More
5. You would like UCC to provide an even friendlier and sociable environment community of students and staff.
A place where learning is social; the Student hub building will provide "rich opportunities for formal and informal learning creating a 21st century university experience and engaging students and staff in a unique educational and student experience" Coupled with our investment in a new digital hub, our students will be able to access and engage with our services anytime, anywhere.Find Out More
6. You've told us that support and access to wellbeing training throughout your time at university really matters.
This year we have increased the range of mental health services available and developed initiatives to increase resilience and reduce feelings of isolation. The Student first responder and bystander intervention programmes have been successfully rolled out to the local community. This adds to the wide range of support services there for you when you need themFind Out More
What does the Student Voice mean to you?
All of the presentations are available to view at https://studentsurvey.ie/good-ideas-institutions @universitycolle...@uccstudentsurveys
University commitment
Hearing from students through university-wide surveys (particularly Student Survey.ie) about their learning experience is incredibly informative and gives the University valuable data on good practices, as well as practices that may need further development. This information can then be used to inform and prioritise decisions and policies to enhance the student learning experience.


text:
Hansekuranz Kontor is a company from Münster, Germany.
We have made it our responsibility to develop insurance solutions for special risks, such as kidnapping and extortion, piracy, crisis situations and other risks around these subject areas.
As an underwriting agent, we work with different partners to offer our customers individual solutions according to their needs.
We do not mind to be perceived as insurance nerds! With dedication and attention to detail we devote ourselves to your problems.
Our full concentration is dedicated to your insurance solutions and security concepts. We place special emphasis on service-oriented partners and a first class claims handling. In the best case, it starts with prevention before the damage occurs – this is our strength. With expert partners at our side as crisis managers and loss adjusters we consistently offer this strength to your advantage.
Our flexible team of 10 employees fulfills your requirements and provides you with individual solutions.


text:
On the Cutting Edge
The newly formed PRAVANA Artistic Council will focus on new products and ideas, as well as cutting-edge color and style trends.
Chardai Fisher
PRAVANA has tapped into its "Created by Stylists, for Stylists" philosophy to form the PRAVANA Artistic Council.
Comprised of five of the company's topnotch educators and a new "Guest Celebrity Stylist," this savvy group will meet 2 to 3 times per year at PRAVANA's headquarters to discuss new product ideas, creative photo shoot options for upcoming launches and cutting-edge color, cut and style trends for the brand.
A line-up of styling and color stars are part of the council, which includes
- Joseph Bogart, International Artistic Team/Trainer;
- Alan Papaleo, International Artistic Team/Trainer;
- Vadre Grigsby, Director of Hair Color/International Artistic Team;
- James Gartner, Artistic Team;
- Chardai Fisher, Artistic Educator;
- Daniel Moon, PRAVANA Guest Celebrity Artist.
|Joseph Bogart
|Vadre Grigsby
|Alan Papaleo
|James Gartner
|Danny Moon


text:
Alex boss says defence had an off day
Steve Davis says his defence were quick to hold their hands up after conceding five goals against a clinical MK Dons side on Saturday. The Alex came up against one of the outstanding sides in League One but that didn't excuse what Davis described as 'poor defending from us.'
Individual errors proved costly as Karl Robinson's side scored five goals to briefly go top of League One. Davis was quick to praise the lethal finishing of the visitors but he was disappointed with the manner of the goals we ended up conceding.
The Alex boss told the club's official web-site: "We have had days like Saturday in this league when we have been on the receiving end of a high score. MK Dons did that to us earlier in the season and Brentford scored five a couple of times against us before they were promoted.
"We have been in good form at home and our record against the MK Dons at home has been decent over the last few years, so the score line was unexpected. We have had some tight games against them at Gresty Road in the past but we were not at it and none of our players payed to there usual standard. When that happens it becomes very difficult.
"That goes to show the quality of the league and the fact that if you make mistakes or are not at it then you are going to get punished by quality players.
"We got punished by the MK Dons after making some basic errors. We defended poorly at times and the back lads were quick to hold their hands up. They know they can be better than that.
He added: "The previous week at Port Vale they won us the match in the last 20 minutes and have been doing well of late, so it was just a bad day all round. They were all disappointed but we have to quickly move on and make sure we are all better for the trip to Colchester this weekend. They are determined to put it right."


text:
The sad thing about picking up girls is that there's plenty of false information out there.
I'm sick of it.
This information just blindly gets repeated without many of us ever doing anything to stop. I'm here to stop it. I'm here to set you free with a shocking truth on attracting women.
There's a shocking truth about picking up girls that you need to know. What is this?
Uniforms do not win games.
Too many dudes spend their paychecks on trying to buy the most expensive clothing. Screw that. You don't need to blow your wad on your wardrobe.
You can spend your money on:
- Trips.
- Nights out.
- Fun stuff.
You don't need to spend your hard earned money on some ridiculously over-priced shirt. Life's way too short for that (oh and I also run a personal finance site).
What if you don't believe me?
All you need to do is look around you. We all have a buddy that spends all of his money to buy ridiculously expensive clothes. You know, the $200 shoes, $300 shades, $100 dress shirt, and the whole works.
Does this friend get more girls than you or does he just spend more money on clothes? That's what I thought.
What's the point of this article?
You need to stop spending all of your damn money on clothes thinking that it will help you learn how to attract women. This doesn't work. You need to look good. You don't need to spend a boat load of money to look good. It's very easy for a man to look good without expensive clothing. Trust me.
We have it made as guys. We can get ready in two minutes and don't need much to look our best.
Me and my friends go out of our way now to see who can spend the least amount on clothing.
We found a store that sells funny shirts for $7 and we see who can grab the funniest one. My friend bought this shirt, Almost Single, and let me tell you that this shirt generated more interested over the years than any $7o shirt ever could. This seven dollar shirt generated more conversation, interest, and buzz than I can even emphasize in an article.
Some of my personal fave funny shirts include:
- You're not my type.
- Mr. Right Now.
- I would like to apologize in advance for my behavior tonight.
The list goes on. The point is that creativity is much cooler than buying expensive clothes.
Why is this secret on picking up girls kept under wraps?
Because marketers understand that sex sells.
Actually, we all know that sex sells. This is why cologne commercials and clothing ads always show some dude with a 6-pack and some gorgeous chick. We then assume that's how it works.
You know the classic formula:
Expensive cologne + even more expensive wardrobe + insane physique= instant hot chicks.
My friend, that formula is flawed. I know dudes that have no cologne, shitty clothes, and fat guts that get more girls than any of us ever could imagine.
The shocking reality is that you have to stop making excuses. It's okay if you don't have the best clothes or the most expensive budget. Nobody checks the label of your pants at a bar.
I hope that this information changes the way you view the world of attracting women. Get out there and own the night!
I hope that this truth sets you free. Is there another shocking truth about picking up girls that you want to share?


text:
Friday is jobs day in the United States, a top-three event on the economic calendar whether you are in Milwaukee, Moncton, or here in Mumbai. Headlines will focus on the unemployment rate and the change in non-farm payrolls because those numbers usually contain the most information. Usually. This month and for the foreseeable future, the more important story will be buried beneath the headlines.
Continue reading (paywall) ...
Comments are closed.


text:
Detroit Mayor Mike Duggan played kingmaker Tuesday, introducing Democratic gubernatorial nominee Gretchen Whitmer at her victory party some seven months after trying to woo another candidate in the race.
Duggan staked his political capital on getting strongly and publicly behind Whitmer and several other Democrats, particularly opponents of lawmakers who helped defeat the mayor's proposed overhaul of auto insurance.
The scorecard is mostly positive for Duggan, with caveats:
- Whitmer won the primary in a rout statewide, but lost the city of Detroit to millionaire and fellow Democrat Shri Thanedar.
- Detroit City Council President Brenda Jones, a Duggan ally, lost narrowly the 13th Congressional District to former state lawmaker Rashida Tlaib in the primary race.
- Former Duggan aide Fayrouz Saad lost big in the 11th Congressional District to Haley Stevens.
- Duggan-endorsed candidates in the state House and Senate won seven races and lost four (although some were still close Wednesday, and results remain unofficial).
"There were some ups and downs, but overall it was a victory for him. In the big names and big races, Duggan's slate won," said Al Williams, a political consultant and former membership director of the state Democratic Party.
"You can say he went 7 and 4, but he won the races he really targeted. It was a big night for him."
Republican pollster Steve Mitchell agreed, noting the mixed won-loss record doesn't reflect the strength of Duggan's influence.
"We don't know what the margins would've been had the Duggan machine not gotten involved in the governor's race or some of these other campaigns," Mitchell said.
"It's easy to look at the marquee races and say the mayor had problems. Just looking at it from my perspective, I think he had a good" result.
Playing hardball in the legislature
In state races, Duggan played hardball against lawmakers who helped defeat auto insurance reform in 2017, backing opponents of state Rep. Fred Durhal II of Detroit, who lost to Marshall Bullock, a former neighborhood manager for Duggan; and former Rep. Brian Banks, who lost a bid for Senate against Duggan-backed Adam Hollier.
Duggan-backed state legislature candidates also benefited from billboards throughout southeast Michigan bemoaning high car insurance and saying, "We Need Adam Hollier in Lansing," "We Need Marshall Bullock in Lansing" and the like.
The nonprofit behind the ads, Detroiters for Change, is not disclosing where it gets its money, and the state Bureau of Elections is investigating whether the nonprofit broke campaign finance laws by advocating for specific candidates, the Metro Times reported last week.
The nonprofit also paid for negative ads targeting Durhal and Banks, said Williams, an aide to Durhal.
Duggan had some big misses as well: His former campaign manager Rico Razo lost in a state House race to Isaac Robinson.
"The question is, does the mayor have any coat tails? He got some energetic people elected, (but) if he had coat tails he would've delivered Detroit for Whitmer and he couldn't," said Steve Hood, a political consultant and Detroit media personality.
At the top of the ticket, Duggan once was so concerned about Whitmer's electability that he led an effort with union leaders to recruit another candidate, such as U.S. Sen. Gary Peters, into the race, as Bridge Magazine first reported.
But Duggan endorsed Whitmer in February, and has since led her on several neighborhood tours and a get-out-the-vote party last weekend.
The fact that Whitmer – who lives in East Lansing – had her victory party in Detroit, with Duggan on stage, is testament to his clout, Williams said.
Mitchell said Whitmer faced significant disadvantages in Detroit because she is white and viewed as an establishment candidate. Even so, she only lost by a few thousand votes.
Duggan also wasn't able to help Jones win in a crowded field to succeed U.S. Rep. John Conyers Jr.
Carl Ramsey, who lost to Tlaib in a state House race in 2008, said it shows Duggan's influence is no match for big money. Tlaib raised significantly more money than the other five candidates in the race.
"Machine politics is completely dead in the city of Detroit," said Ramsey, 48.
"(Jones) had the mayor, labor unions, and most of the ministers' support and she couldn't pull it off. That opens the door for any candidate that can out-fundraise their opponent."
The race has no Republican candidates, so Tlaib is slated to become the first Muslim woman elected to Congress. A significant portion of her fundraising came from national donors excited by that prospect, Mitchell said.
Other African American candidates in the race also siphoned votes from Jones, Mitchell said.
"The fact is (Duggan) chose to get involved in tough races to see if he could make a difference. I suspect he made a difference," Mitchell said. "He just couldn't pull them over the finish line."


text:
ASX-listed Hosting and telecommunications firm Macquarie Telecom has reported a 42.1 percent drop in net profit after tax for the full year to June 30, 2013.
The company - which posted an annual profit of $11.3 million - has been forced to re-invest in its core IT infrastructure and products to compete with the aggressive pricing of public cloud computing rivals, the largest of which set up shop in Australia little over twelve months ago.
Macquarie Telecom chairman Robert Kaye told an investor's meeting on Friday that the alarming results were caused by a $51.5 million investment in Macquarie Telecom's data centre and cloud computing capabilities. This included expanding the firm's Intellicentre 2 data centre and completing Intellicentre 4.
"[We] continued to invest in developing our cloud computing offerings as we believe the emergence of cloud computing, which is a natural extension of managed hosting, will increase the trend of selective outsourcing of internal information technology and provide new market opportunities for Macquarie Telecom," said David Tudehope, chief executive at Macquarie Telecom.
Total revenue fell 5.8 percent to $206.2 million, which the company attributed to price reductions and cost increases. Telco revenue fell 9.1 percent as competitive pressure brought about declines in voice revenue. Mobile revenue impacted by issues with the Vodafone network.
But revenue in Macquarie's hosting division increased 3.3 percent to $60.5 million.
IBRS analyst Guy Cranswick said the results were unexpected.
"That is not just 8-15 percent - which would be understood, given trading conditions - but a very large fall which no [company] would want," he said.
The company also attributed its results to delays in revenue from the federal government and other large corporate customers that it anticipated would move into Intellicentre 2.
Tudehope said Macquarie Telecom's federal government lead agency gateway program and Intellicentre 2 will deliver long-term profit.
"From the financials, it looks as if Macquarie Telecom was adversely affected [by] long lead times to realise revenues – and that figure was down 13.5 per cent. That shows exposure to one sector - the government this year was not as predictable to deal with, for various reasons," Cranswick said.
Macquarie Telecom said it expects strong growth in the second half of the 2014 financial year and an increase in capital expenditure from $30 million to around $36 million.
This includes an expected investment of $7 million in expanding the company's hosting capacity in Sydney and Canberra.


text:
A large number of prominent enterprises with strong brands currently represent the majority in the global electrical submersible pumps (ESPs) market. This provides the market with a highly competitive vendor landscape. According to Transparency Market Research (TMR), the top four companies operating in the market, comprising Schlumberger Limited, Borets Company, LLC, Baker Hughes Incorporated, and GE Oil & Gas, held over 86% of the global ESP market in 2013.
In order to gain a competitive advantage, a majority of these companies are looking to acquire smaller enterprises and regional players. Besides mergers and acquisitions, TMR also finds these companies to invest in technological innovations and product differentiation to gain a stronghold in the market. Spurred by the aforementioned factors the level of competition prevailing in the market will shift from medium to high during the forecast period from 2014 to 2022.
Increasing Emphasis on Unconventional Resources to Boost ESP Deployment
Globally, the demand for oil has been rising at a positive rate. In order to pace up with the increasing demand, oil industries are currently engaged in exploring newer reserves and drilling deeper into the existing ones. Depleting oil reserves have also compelled producers to use novel technologies that will enable them drill deeper into oil wells. This has led to the higher adoption of the steam assisted gravity drainage (SAGD) method, which is subsequently fuelling the installation of ESPs. These machines have proven highly beneficial in overall SAGD process.
Maturing oil wells, depleting oil reserves, and declining oil reservoirs are the primary factors encouraging the adoption of electrical submersible pumps across the oil and gas industry. "Rising explorations and production (E&P) across non-conventional resources in North America will considerably fuel demand for ESPs," said a lead TMR analyst. "The growth in hydrocarbon recovery from these unconventional resources and the increasing E&P activities in the shale gas sector will also fuel demand for the equipment," he added.
The market is also expected to gain from the increasing investment in brown field and green field projects by the major companies engaged in E&P.
Persistent Decline in Oil Prices to Negatively Impact Market's Growth
The persistent decline in oil prices witnessed over the last few years has resulted in a cutback of offshore explorations. Such unfavorable trends are limiting the scope for ESP market's expansion. Furthermore, electrical submersible pumps have limited scope for deployment in shale gas fields. This also has an adverse impact on the market's overall growth trajectory. According to TMR, more than 750,000 shale gas wells use sucker rod pumps, while the remaining deploy down-hole pumping methods, thus creating meager or no demand for ESPs.
Increasing Oil Sands Production to Fuel ESP Installations in Forthcoming Years
Nevertheless, the increasing production of oil sands around the world will boost sales prospects for ESP producers. Numerous oil sand projects are scheduled to commence across the Middle East and Africa. The demand for ESPs is therefore expected to increase in the forthcoming years thus creating lucrative prospects for ESP manufacturers.
By application, the installation of ESPs is expected to increase in the onshore segment. This segment held around 76.16% of the global market in 2013. Regionally Europe emerged as the largest consumer of ESPs in 2013 accounting for a share of 59.77%.
According to TMR, the global ESP market stood at US$10.65 bn in 2013. Rising at a CAGR of 5.29% between 2014 and 2022, the market is expected to reach US$16.75 bn by the end of 2022.
This review is based on a report published by TMR, titled "Electrical Submersible Pumps (ESPs) Market - Global Industry Analysis, Size, Share, Growth Trends, and Forecast 2014 - 2022."
Key Takeaways:
- Decline in oil prices to limit ESP market's scope for expansion
- Onshore segment accounted for 73.10% of ESP installations around the world in 2013
- Holding over 59.77% of the global market, Europe emerged as largest consumer of ESPs in 2013
The report segments the global ESP market as:
ESPs Market: By Application
- Onshore
- Offshore
ESPs Market: By Region
- North America
- Canada
- Rest of North America
- Asia Pacific
- China
- Indonesia
- Rest of Asia Pacific
- Europe
- Russia
- Norway
- Kazakhstan
- Rest of Europe
- Middle East & Africa
- Saudi Arabia
- United Arab Emirates
- Nigeria
- Rest of Middle East & Africa
- South & Central America
- Venezuela
- Brazil
- Rest of South & Central America
Browse : Our new press releases https://www.transparencymarketresearch.com/pressrelease/electrical-submersible-pumps-industry.htm
About Us
Transparency Market Research (TMR) is a global market intelligence company providing business information reports and services. The company's exclusive blend of quantitative forecasting and trend analysis provides forward-looking insight for thousands of decision makers. TMR's experienced team of analysts, researchers, and consultants use proprietary data sources and various tools and techniques to gather and analyze information.
TMR's data repository is continuously updated and revised by a team of research experts so that it always reflects the latest trends and information. With extensive research and analysis capabilities, Transparency Market Research employs rigorous primary and secondary research techniques to develop distinctive data sets and research material for business reports.
US Office Contact
90 State Street, Suite 700
Albany, NY 12207
Tel: +1-518-618-1030
USA - Canada Toll Free: 866-552-3453
Email: firstname.lastname@example.com
Website: https://www.transparencymarketresearch.com
7 of 10 large enterprizes view our ToC to take the right decision.View Report ToC


text:
- Home
- Explore
- Events
- Food
- News
- Happenings
- More
|Advanced Search
Dining out is something that many locals love to do, and thankfully Locust Valley is packed with plenty of great eateries from quick and casual to upscale fine dining – perfect for grabbing a bite on the go, or planning a romantic night on the town. No matter what your palate craves, Locust Valley's got you covered with a wide variety of cuisine types, and options to suit every budget and occasion – whether you've got the kids in tow, or you're looking to enjoy a meal with that special someone. Whether you're in the mood to grab a few sushi rolls, or you are craving a slice of New York pizza, Locust Valley's diverse restaurants offer everything from a sit down meal to a quick bite. Head over to LongIsand.com's Restaurant Section for all of the best local dining island-wide!
|Restaurants in Locust Valley, New York
Barney's Restaurant in Locust Valley truly offers a diverse menu with platters and dishes from around the globe. Sample Israeli couscous, seafood prepared in both the mediterranean and local ...
The Basil Leaf Cafe in Locust Valley offers among the best of italian cuisine on Long Island at great prices.
The Brass Rail in Locust Valley is the place to bring the family or a romantic date and enjoy traditional American cuisine.
Buckram Stables Cafe serves up-scale pub-type food in a casual dining atmosphere.
The LVI Bistro in Locus Valley serves both traditional and modern american cuisines in a casual dining atmosphere.
The Tavern on the Plaza in Locust Valley is a popular place to have a few drinks, enjoy pub fare and watch your favorite game with your friends.


text:
Tenet has established strong relationships and successfully delivered projects for many clients including:-
As a design consultancy business, Tenet has always focused on developing the next generation of engineers entering our industry and addressing the widening skills gap caused by an aging demographic of engineers approaching retirement age. The importance that the business placed in this issue resulted in the company establishing our own internal apprenticeship scheme more...
Building relationships with our customers is a core value for our business. Nothing helps more then being able to put a face to a name. You can learn a bit more about the management team here.
Tenet is a specialist CE&I and Mechanical engineering design consultancy, providing niche design and technical services to a variety of industry sectors. You can find out more about our capabilities here.


text:
(This post contains affiliate links. Thanks for helping to support this blog.)
It's time once again for Steph and Jana's monthly Show Us Your Books linkup. I love being able to share what I read during the past month as well as get lots of new reading recommendations. Most of my September 2017 reads are suspense/thrillers, which is my favorite genre to read. Even though I didn't get as many books as I would have liked read this month, the ones that I did read were pretty good.
3 Stars
The Lying Game by Ruth Ware – Four girls meet at a boarding school and play "the Lying Game," earning points for telling lies. Fast forward to adults, and the women are summoned back to Salten when one of them texts the others, "I need you." The girls were expelled their last year of school after being involved in an incident which now has them worried that it will be discovered. It was really annoying being dragged along for so long with "the incident" being referred to, but not knowing what it was. I found the ending to be pretty anti-climatic. I've enjoyed Ware's other books but wasn't a big fan of this one.
4 Stars
The Breakdown by B.A. Paris – On her way home from a night out, Cass takes a shortcut and drives through the woods. She sees a car pulled over on the side of the road but doesn't stop due to the pouring rain from a storm. Only later she discovers that the woman in the car was killed. Now she fills guilty for not stopping and starts forgetting things. Then she starts receiving silent phone calls and thinks the killer is after her. Although this had a slow start it turned into a suspenseful read.
A Man Called Ove by Frederik Backman – After reading Beartown a couple of months ago I had to read another Frederik Backman book. Ove is an eccentric old man who is used to his solitary life. A young family moves in next door, turning his world upside down. Backman is an excellent storyteller and I really liked Ove and other characters. I really liked this book but I loved Beartown more.
The Marriage Pact by Michelle Richmond – The goal of the Pact is to keep couples happy and married. While it sounds good in the beginning, Alice and Jake don't realize what they have gotten themselves into when they sign up. When the two decide that this isn't for them, they learn too late that the Pact is for life. This was a great psychological suspense read.
The Other Girl by Erica Spindler – Officer Miranda Rader is called to investigate the brutal murder of an esteemed college professor. A newspaper clipping detailing a horrible night from her teenage years is found at the scene. Then a retired cop who took her statement that night many years ago is found murdered. Miranda is unsure of who she can trust but knows that she has to prove her innocence. This is the first book I've ready by Spindler, but I enjoyed this one enough to read more.
5 Stars
Harry Potter and the Deathly Hallows by J.K. Rowling – I finally read the last book in the Harry Potter series! We started listening to this on CD and then my son and I finished reading it together. This book had me angry at times and crying at others. I thought Rowling wrapped up the series nicely. Now, we have to see the movies and then plan a trip to Universal Studios to visit the Wizarding World of Harry Potter.


text:
- Nothing for You!
- Workforce Development News – October 19, 2020
- Workforce Development News – October 12, 2020
- Workforce Development News – October 5, 2020
- Workforce Development News – Sept. 28, 2020
- Lean and the Joy of Work
- Workforce Development News – Sept. 21, 2020
- Workforce Development News – Sept. 14, 2020
- Focus is Everything
- Workforce Development News – Sept. 8, 2020
Apply Now for No-Cost Industrial Maintenance Technician Training, Classes Start July 24
Industrial maintenance technicians repair and maintain commercial or industrial machinery in buildings and in a plant or factory setting.
St. Louis Community College is offering Industrial Maintenance Technician (IMT) training beginning this summer. This new accelerated training program covers Basic Mechanical Systems, Basic Hydraulic Systems, Basic Pneumatic Systems, and Electrical Systems. The program prepares participants for entry-level jobs in the industrial maintenance industry. Graduates of the IMT program will be able to maintain, calibrate and troubleshoot equipment most commonly used in high-tech manufacturing facilities while adhering to safety, health and environmental rules and regulations. Students will be ready to earn nationally recognized National Institute for Metalworking Skills (NIMS) credentials for Industrial Maintenance Technicians.
Classes meet Monday through Friday, 8:00 a.m. to 2:30 p.m., for 7 weeks and is delivered in a blended-learning format, where skills-focused interactive e-learning is combined with instructor-led and hands-on training. Additional open computer lab time will be available 2:30 p.m. to 4:30 p.m. each class day. All courses in this program are taught at the Center for Workforce Innovation at St. Louis Community College's Florissant Valley campus.
The costs of instruction and materials for this program are entirely grant funded. There are no costs to students that qualify.
This training program is made available through the MoSTEMWINs grant program. Apply now for classes starting July 2017.
- Find out more.
- Sign up for a free information session by calling 314-984-7777. Information sessions are currently held every Thursday, 1 to 3 p.m., at the Center for Workforce Innovation at St. Louis Community College's Florissant Valley campus, 3344 Pershall Rd., Ferguson, MO 63135.
- Complete the online application form.
You must be logged in to post a comment Login


text:
Baxter Real Estate are delighted to present to the market no 2 Belarmine Vale, a beautiful 2 bed duplex apartment.
Presented in excellent condition, accommodation is split over two levels with the living space on the top floor and remaining accommodation underneath. Bright and airy even on the dullest of days with thanks to the large feature corner window and a balcony with a southerly orientation, this property will appeal to numerous buyers.
Accommodation briefly comprises entrance with carpeted stairs to main accommodation featuring two bedrooms each with built in wardrobes (master ensuite) and family bathroom, store room hotpress, and family room with stairs to mezzanine level which houses the fully fitted kitchen and family lounge with access to south facing balcony which overlooks the mountains.
Located within a short stroll of Stepaside Village, Belarmine has its own wealth of amenities such as a children's playground, Creche, Food Market, medical centre and a number of schools such as Taobh Na Coille Gael Scoil, St Mary's National School and Rosemount Secondary School. Located within easy reach of Dundrum Town Centre and
Marley Park, the LUAS at Glencairn is a 15 minutes walk away and a frequent Dublin bus route into the estate services the N11 and the City Centre. Viewing comes highly recommended.
Bright very spacious 2 bed 2 bath apartment
Low management fee approx €680 per annum
South facing large balcony
Feature corner window in family room
Close to a wealth of amenities inc neighbourhood shops
pharmacy, dentist, doctors, community centre, cafe
Dundrum, Sandyford and Stepaside villages only mins drive.
Choice of excellent schools nearby inc gaelscoils and educate together primary and secondary schools
There is an excellent bus service, with the 47 route terminus within Belarmine.
Ample communal parking
Only c.15 min walk from Glencairn luas
Entrance - 8.84m x 0.04m
Entrance with carpeted staircase leading to main accommodation
Landing - 2.24m x 5.48m
Carpeted landing with doors leading to bedrooms, bathroom, hotpress and two storerooms
Bedroom 1 - 2.25m x 2.29m
Bright room with built in wardrobes
Bedroom 2 - 3.18m x 3.66m
Bright and spacious double room with built in wardrobes and shower room ensuite
Ensuite - m x m
With tiled floor and partly mosaic tiled walls with wall mounted mirror cabinet and shaving light.
Bathroom - 3.39m x 1.87m
Complete with tiled floor and partly tiled mosaic walls. The heated towel rail, wall mounted mirrored cabinet and shaving light further compliment this room.
Family room - 3.95m x 5.58m
An exceptionally bright room with feature corner window and stair to mezzanine level this is the ideal room to unwind with a good book and fine red. The door to the balcony gives this room an extra area to unwind.
Kitchen / Lounge on Mezzanine - 5.49m x 6.39m
A bright spacious area with fully fitted kitchen area complete with gas hob, Bosch oven and integrated Bosch dishwasher. The solid timber flooring and double doors to south facing balcony allows for extra space when entertaining.
Balcony - 3.79m x 5.52m
South facing walled balcony accessed via mezzanine level the perfect place to relax in the evenings.


text:
Menu & Search
Kings Heath Park is situated in Kings Heath, Birmingham.
The park was originally called Victoria Park is centred on a house, built in 1832. In 1880 the house was bought by John Cartland, a wealthy industrialist. From 1909-1911 the house was used as a school. In 1911 Kings Heath and the park was incorporated into the city of Birmingham.
The park holds Ranger led events and activities for schools.
Facilities include a tea room, bowling green, plant nursery and two playgrounds.


text:
The networks of big companies and startups have never been so interconnected. How are they evolving and how will they work together in the future? Muriel Monteiro, Partner at BearingPoint, outlines some key factors of this new-built economy.
Is working with startups a fashion phenomenon or is it going to last?The digital revolution is transforming industries one after another, whether it be media, music, video games, distribution, agriculture... The banking sector is obviously targeted and has no other choice but to react when facing innovative startups that tackle all or at part of its value chain. From Weelo to Younited Credit via Transferwise or Anaxago, GAFA and Fin Tech are disrupting the banking world. Traditional institutions are often compared to plodding elephants overtaken by responsive 'greyhound' startups. But if you believe that banks will let themselves be reduced to mere administrators of 'core banking systems', think again as you under-assess their specific strengths, from their client base and multi-channel sales distribution network to their immediate investment capacity to deploy assets and generate disruption themselves. The Fintech tsunami is therefore not a threat but rather an opportunity for banks to cooperate in order to expand their client relationship and transform themselves.
"A diversity of experience and skills fosters creativity and disruptive services."
What should be expected from this partnership?Very often corporate giants aim to become less complex, more agile and to take on new ideas. What is at stake is enhancing digital client relationships, and developing a steady and iterative stream of innovation. A recent study shows that the top 100 biggest companies in the Forbes ranking are twice as involved with startups (64%) as the bottom 100 in the ranking (32%). Banks have fallen behind as only 64% work with startups vs. 94% firms from the pharmaceutical sector and 85% from the telecom industry1. Gains from such partnerships are a known fact... but solely if big companies can manage to work with startups in the long term, bearing in mind that they are so different in every way.
What is the best way for big firms to work with startups?We observe several types of partnerships with startups. We have registered five or six, from skills-based support to buyout and ventures, including awards or hackathons and the launch of private incubators. 25% of the biggest international firms have set up acceleration or incubation programmes. BNP Paribas got off to an early start with the launch of L'Atelier then the WAI (We Are Innovation) and Innovation departments. Barclays teamed up with Techstars, Credit Agricole launched their 'Innovation Village' network worldwide. There is no such thing as 'one size fits all': the action plan must be tailor-made to each opportunity according to various criteria such as expected gains from the partnership, available resources to be devoted and required skillsets from all parties.
For bankers, one of the key factors of success is to have the broadest view and not limit it to Fin Tech and InsurTech. Who would have thought that Shazam's algorithm would make it possible to detect Alzheimer's disease by listening to patients, or detect a bus breakdown by listening to its engine? A diversity of experience and skills fosters creativity and disruptive services.
What are the pitfalls for these partnerships?Two worlds with radically different cultures makes it very difficult for them to work together successfully. On the one hand, startups may not find the value proposition offered by big groups attractive enough. Long decision-making processes and slow action often discourage them as they need short-term cash and wish to maintain their integrity, agility and innovation capability.
On the other hand, big groups see startups as not sustainable enough, fearing they will disappear before project development is finalised. As for hackathons or intrapreneurship, their economic impact takes time to materialise. The 'Return On Investment' assessment should take into account the 'Risk Of Ignoring' and missing out on a critical turn for companies.
"Businesses aim to transform themselves into aggregators (rather than being aggregated themselves)."
What is the future for these partnerships with startups?Those involved are still looking for the best answers. Buying out a startup can rapidly kill it. But limiting oneself to mere idea contests will fail to generate services that can be rapidly industrialized within the robust but 'muddle' information systems owned by big firms' . In this era of collaborative economy and service platforms, many CEOs expect that these platforms will be the 'must-have' link between businesses. We oversee a solution in the acquisition of a base or platform to host an ecosystem of partners, distribute multi-partner offers, manage their invoicing and commission all parties involved. Banks benefit from a huge client base and trust, they can investigate offering a suite of services (aggregation and beyond core banking) to assist retail and corporate clients.
BearingPoint has been investing for the last five years in a solution enabling companies to aggregate digital services in a fast and customised way, whether internally or externally – such as a travel offer providing car-sharing via a partner, as well as luggage delivery and train tickets.
Philipps Healthcare also established partnerships (with Salesforce, Alibaba Alicloud) to speed up the launch of a platform (the Healthsuite solution) which facilitates data transfers between patients and hospitals and enables external developers (startups but also others) to create new services for their own markets. One can also mention the technological multi-services payment platform launched by Carrefour and BNP Paribas designed to include startups.
Businesses aim to transform themselves into 'aggregators' (rather than being aggregated themselves), monetizing these services and providing sophisticated marketing, thereby avoiding disintermediation.
Any advice for the big groups already on board and working extensively with startups?The key is to speed up their internal transformation as they will only be able to absorb external innovation after they have proven capable of adjusting their internal culture and working methods. Such processes take much longer and are much more complex than opening out to the outside world. Placing Open Innovation at the heart of their strategy allows for considerable internal transformation leverage. It enables the development of intrapreneurship, collaborative and digital work methods, shorter decision-making processes and more transversal management with coach- or mentor-managers.
We currently have clients who are rethinking their corporate strategy by setting up executive workshops over a '4 hours/4-days/4-weeks' format. This method inspired from hackathon methods enables teams to rapidly identify and test new strategic pillars for the firm directly in the field. Other firms like Danone or GE support their staff to develop and incubate innovative ideas within 'spin-offs' by joining an incubator for a few months.
"The right to fail must win its spurs again."Another thing that teams can learn from startups is the art of 'pivoting', as groping around in the dark and failing is part of the process of finding the winning model. For instance Criteo applies the Machine Learning method to advertising to practice offsite retargeting. It first started with a B2C offer then switched to a B2B-in-the-Cloud offer and eventually found its winning model through the Cost-per-click method before being listed on the NASDAQ. The right to fail must win its spurs again. Engie is a good example as each year it organises a contest that rewards 'the best failed idea'.
The stakes are therefore more about cultural transformation than about setting up partnerships with startups, as banking survival depends on it. A few years ago in France, the smartest people wanted to become investment bankers but now they dream of joining the Cargo or the Halle Freyssinet to launch the next Unicorn... Only by leveraging their strengths, betting on human resources and applying startup best practices will the big firms be able to retain their talents and attract the GenZ reaching the market.
1 "#500 Corporations: How do the World's Biggest Companies Deal with the Startup Revolution", INSEAD report February 2016